Home > Security State Bank of Marine > Performance and Condition Ratios
Security State Bank of Marine, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 2,430 |
| Cost of funding earning assets | 0.5823% | 4,096 |
| Net interest margin | 4.2411% | 888 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.1568% | 3,236 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.0445% | 442 |
| Return on assets (ROA) | 2.0445% | 425 |
| Pretax return on assets | 2.2595% | 457 |
| Return on Equity (ROE) | 20.4100% | 577 |
| Retained earnings to average equity (ytd only) | 11.6014% | 684 |
| Net charge-offs to loans | 0.0385% | 1,539 |
| Credit loss provision to net charge-offs | 294.6429% | 968 |
| Earnings coverage of net charge-offs (x) | 83.4286% | 999 |
| Efficiency ratio | 47.5881% | 4,109 |
| Assets per employee ($millions) | 9.1622% | 934 |
| Cash dividends to net income (ytd only)* | 43.1485% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,614 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.0400% | 1,111 |
| Net loans and leases to deposits | 85.4448% | 1,659 |
| Net loans and leases to core deposits | 90.5362% | 2,011 |
| Total domestic deposits to total assets | 89.0000% | 1,062 |
| Equity capital to assets | 10.5860% | 1,686 |
| Core capital (leverage) ratio | 11.0642% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6787% | 1,353 |
| Memoranda: | ||
| Average total assets | $196,677,200 | 3,006 |
| Average earning assets | $190,632,400 | 2,942 |
| Average equity | $19,704,600 | 2,880 |
| Average total loans | $145,342,400 | 2,710 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 2,364 |
| Cost of funding earning assets | 0.4830% | 4,159 |
| Net interest margin | 4.2714% | 835 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.0819% | 3,394 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.2102% | 370 |
| Return on assets (ROA) | 2.2102% | 363 |
| Pretax return on assets | 2.4544% | 400 |
| Return on Equity (ROE) | 22.3900% | 533 |
| Retained earnings to average equity (ytd only) | 10.3990% | 1,300 |
| Net charge-offs to loans | 0.0009% | 2,601 |
| Credit loss provision to net charge-offs | 7,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 3,668.0000% | 25 |
| Efficiency ratio | 45.4167% | 4,165 |
| Assets per employee ($millions) | 8.6613% | 1,054 |
| Cash dividends to net income (ytd only)* | 53.5494% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,704 |
| Loan loss allowance to noncurrent loans | 7,495.6522% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,737 |
| Noncurrent loans to loans | 0.0151% | 3,683 |
| Net loans and leases to total assets | 75.3700% | 1,191 |
| Net loans and leases to deposits | 84.2681% | 1,719 |
| Net loans and leases to core deposits | 89.0609% | 1,992 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 10.0578% | 1,800 |
| Core capital (leverage) ratio | 10.7192% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2559% | 1,490 |
| Memoranda: | ||
| Average total assets | $195,454,500 | 3,025 |
| Average earning assets | $189,349,500 | 2,953 |
| Average equity | $19,296,250 | 2,910 |
| Average total loans | $142,918,000 | 2,739 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 2,297 |
| Cost of funding earning assets | 0.3658% | 4,217 |
| Net interest margin | 4.2886% | 821 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.0391% | 3,498 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.3017% | 308 |
| Return on assets (ROA) | 2.3017% | 300 |
| Pretax return on assets | 2.5427% | 335 |
| Return on Equity (ROE) | 23.4600% | 461 |
| Retained earnings to average equity (ytd only) | 8.3991% | 1,850 |
| Net charge-offs to loans | -0.0143% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.2063% | 4,245 |
| Assets per employee ($millions) | 8.3721% | 1,150 |
| Cash dividends to net income (ytd only)* | 64.2058% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 2,582 |
| Loan loss allowance to noncurrent loans | 14,125.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,797 |
| Noncurrent loans to loans | 0.0083% | 3,736 |
| Net loans and leases to total assets | 74.2000% | 1,265 |
| Net loans and leases to deposits | 82.8314% | 1,771 |
| Net loans and leases to core deposits | 87.2416% | 1,988 |
| Total domestic deposits to total assets | 89.5800% | 1,061 |
| Equity capital to assets | 10.0696% | 1,813 |
| Core capital (leverage) ratio | 10.7317% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0390% | 1,567 |
| Memoranda: | ||
| Average total assets | $194,203,000 | 3,039 |
| Average earning assets | $188,080,667 | 2,973 |
| Average equity | $19,049,667 | 2,944 |
| Average total loans | $139,936,667 | 2,771 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 2,168 |
| Cost of funding earning assets | 0.2480% | 4,298 |
| Net interest margin | 4.3117% | 787 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.9382% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5187% | 235 |
| Return on assets (ROA) | 2.5187% | 234 |
| Pretax return on assets | 2.7443% | 271 |
| Return on Equity (ROE) | 26.0200% | 363 |
| Retained earnings to average equity (ytd only) | 8.9621% | 1,962 |
| Net charge-offs to loans | -0.0145% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.3929% | 4,408 |
| Assets per employee ($millions) | 8.8540% | 994 |
| Cash dividends to net income (ytd only)* | 65.5537% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,591 |
| Loan loss allowance to noncurrent loans | 13,833.3333% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,824 |
| Noncurrent loans to loans | 0.0086% | 3,769 |
| Net loans and leases to total assets | 70.5700% | 1,566 |
| Net loans and leases to deposits | 78.5232% | 1,927 |
| Net loans and leases to core deposits | 81.5665% | 2,143 |
| Total domestic deposits to total assets | 89.8800% | 1,200 |
| Equity capital to assets | 9.8666% | 1,890 |
| Core capital (leverage) ratio | 10.3792% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0164% | 1,622 |
| Memoranda: | ||
| Average total assets | $195,025,000 | 3,069 |
| Average earning assets | $188,697,000 | 3,006 |
| Average equity | $18,879,500 | 2,989 |
| Average total loans | $137,617,500 | 2,820 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 2,367 |
| Cost of funding earning assets | 0.1268% | 4,246 |
| Net interest margin | 3.6367% | 1,534 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.2419% | 2,918 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6143% | 668 |
| Return on assets (ROA) | 1.6143% | 640 |
| Pretax return on assets | 1.7562% | 810 |
| Return on Equity (ROE) | 18.0800% | 693 |
| Retained earnings to average equity (ytd only) | 11.7322% | 730 |
| Net charge-offs to loans | -0.0064% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.3808% | 3,642 |
| Assets per employee ($millions) | 8.8755% | 957 |
| Cash dividends to net income (ytd only)* | 35.0932% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,315 |
| Loan loss allowance to noncurrent loans | 11,821.4286% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,837 |
| Noncurrent loans to loans | 0.0103% | 3,770 |
| Net loans and leases to total assets | 68.8600% | 1,748 |
| Net loans and leases to deposits | 76.1115% | 2,087 |
| Net loans and leases to core deposits | 78.8134% | 2,213 |
| Total domestic deposits to total assets | 90.4700% | 1,166 |
| Equity capital to assets | 9.4950% | 2,017 |
| Core capital (leverage) ratio | 9.8985% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6443% | 1,749 |
| Memoranda: | ||
| Average total assets | $199,469,800 | 3,048 |
| Average earning assets | $193,253,400 | 2,986 |
| Average equity | $17,814,200 | 3,140 |
| Average total loans | $125,872,600 | 2,868 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 2,337 |
| Cost of funding earning assets | 0.1201% | 4,125 |
| Net interest margin | 3.4827% | 1,714 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.1703% | 3,006 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6224% | 624 |
| Return on assets (ROA) | 1.6224% | 606 |
| Pretax return on assets | 1.7727% | 776 |
| Return on Equity (ROE) | 18.4500% | 583 |
| Retained earnings to average equity (ytd only) | 9.9056% | 1,372 |
| Net charge-offs to loans | -0.0032% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.8571% | 3,741 |
| Assets per employee ($millions) | 8.9310% | 918 |
| Cash dividends to net income (ytd only)* | 46.3115% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,682 |
| Loan loss allowance to noncurrent loans | 394.4724% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,310 |
| Noncurrent loans to loans | 0.2972% | 2,176 |
| Net loans and leases to total assets | 64.4200% | 2,048 |
| Net loans and leases to deposits | 70.7290% | 2,307 |
| Net loans and leases to core deposits | 72.8885% | 2,427 |
| Total domestic deposits to total assets | 91.0800% | 1,212 |
| Equity capital to assets | 8.5432% | 2,513 |
| Core capital (leverage) ratio | 9.3707% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3264% | 1,927 |
| Memoranda: | ||
| Average total assets | $200,522,000 | 3,066 |
| Average earning assets | $194,324,500 | 2,994 |
| Average equity | $17,632,750 | 3,185 |
| Average total loans | $123,314,250 | 2,896 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 2,650 |
| Cost of funding earning assets | 0.1203% | 3,960 |
| Net interest margin | 3.2071% | 2,163 |
| Noninterest income to average assets | 0.6737% | 1,448 |
| Noninterest expense to average assets | 2.1368% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5355% | 645 |
| Return on assets (ROA) | 1.5355% | 626 |
| Pretax return on assets | 1.6471% | 855 |
| Return on Equity (ROE) | 17.2927% | 535 |
| Retained earnings to average equity (ytd only) | 7.8932% | 1,661 |
| Net charge-offs to loans | 0.0033% | 1,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 819.0000% | 167 |
| Efficiency ratio | 56.4709% | 3,729 |
| Assets per employee ($millions) | 8.4365% | 1,095 |
| Cash dividends to net income (ytd only)* | 54.3549% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,655 |
| Loan loss allowance to noncurrent loans | 402.3438% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,393 |
| Noncurrent loans to loans | 0.2999% | 2,265 |
| Net loans and leases to total assets | 62.4818% | 2,068 |
| Net loans and leases to deposits | 68.6249% | 2,330 |
| Net loans and leases to core deposits | 69.9132% | 2,495 |
| Total domestic deposits to total assets | 91.0483% | 1,210 |
| Equity capital to assets | 8.6914% | 2,619 |
| Core capital (leverage) ratio | 9.3287% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9823% | 1,709 |
| Memoranda: | ||
| Average total assets | $198,891,333 | 3,104 |
| Average earning assets | $192,885,667 | 3,040 |
| Average equity | $17,660,667 | 3,266 |
| Average total loans | $119,786,000 | 2,948 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0374% | 3,145 |
| Cost of funding earning assets | 0.1273% | 3,808 |
| Net interest margin | 2.9101% | 2,802 |
| Noninterest income to average assets | 0.9335% | 791 |
| Noninterest expense to average assets | 2.2506% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5140% | 611 |
| Return on assets (ROA) | 1.5140% | 601 |
| Pretax return on assets | 1.5140% | 989 |
| Return on Equity (ROE) | 16.8664% | 437 |
| Retained earnings to average equity (ytd only) | 8.1167% | 1,543 |
| Net charge-offs to loans | 0.0208% | 1,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 124.3333% | 602 |
| Efficiency ratio | 59.7844% | 3,504 |
| Assets per employee ($millions) | 7.9185% | 1,422 |
| Cash dividends to net income (ytd only)* | 51.8767% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,169 |
| Loan loss allowance to noncurrent loans | 401.3021% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 2,474 |
| Noncurrent loans to loans | 0.3336% | 2,292 |
| Net loans and leases to total assets | 57.3736% | 2,368 |
| Net loans and leases to deposits | 63.0800% | 2,615 |
| Net loans and leases to core deposits | 64.4462% | 2,760 |
| Total domestic deposits to total assets | 90.9538% | 1,058 |
| Equity capital to assets | 8.8967% | 2,803 |
| Core capital (leverage) ratio | 9.2842% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4479% | 1,158 |
| Memoranda: | ||
| Average total assets | $197,099,500 | 3,125 |
| Average earning assets | $191,743,500 | 3,064 |
| Average equity | $17,692,000 | 3,349 |
| Average total loans | $115,651,500 | 2,989 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 3,008 |
| Cost of funding earning assets | 0.1738% | 3,731 |
| Net interest margin | 3.1951% | 2,608 |
| Noninterest income to average assets | 0.6713% | 1,867 |
| Noninterest expense to average assets | 2.2053% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3903% | 1,311 |
| Return on assets (ROA) | 1.3903% | 1,366 |
| Pretax return on assets | 1.5665% | 1,517 |
| Return on Equity (ROE) | 15.0068% | 947 |
| Retained earnings to average equity (ytd only) | 8.6154% | 1,311 |
| Net charge-offs to loans | -0.0550% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4675% | 3,368 |
| Assets per employee ($millions) | 7.5476% | 1,590 |
| Cash dividends to net income (ytd only)* | 42.5897% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,230 |
| Loan loss allowance to noncurrent loans | 402.8646% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,581 |
| Noncurrent loans to loans | 0.3305% | 2,403 |
| Net loans and leases to total assets | 58.4176% | 2,330 |
| Net loans and leases to deposits | 64.2999% | 2,664 |
| Net loans and leases to core deposits | 65.4231% | 2,870 |
| Total domestic deposits to total assets | 90.8519% | 553 |
| Equity capital to assets | 9.0564% | 3,559 |
| Core capital (leverage) ratio | 9.2651% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0226% | 1,039 |
| Memoranda: | ||
| Average total assets | $184,419,200 | 3,173 |
| Average earning assets | $178,964,000 | 3,102 |
| Average equity | $17,085,600 | 3,458 |
| Average total loans | $110,915,200 | 3,065 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 3,086 |
| Cost of funding earning assets | 0.1842% | 3,768 |
| Net interest margin | 3.2222% | 2,667 |
| Noninterest income to average assets | 0.6576% | 1,985 |
| Noninterest expense to average assets | 2.1521% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6267% | 967 |
| Return on assets (ROA) | 1.6267% | 1,014 |
| Pretax return on assets | 1.6282% | 1,613 |
| Return on Equity (ROE) | 17.4526% | 696 |
| Retained earnings to average equity (ytd only) | 7.1497% | 2,356 |
| Net charge-offs to loans | -0.0134% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9291% | 3,425 |
| Assets per employee ($millions) | 8.2318% | 1,164 |
| Cash dividends to net income (ytd only)* | 59.0334% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,552 |
| Loan loss allowance to noncurrent loans | 463.4675% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,984 |
| Noncurrent loans to loans | 0.2778% | 2,805 |
| Net loans and leases to total assets | 60.6118% | 2,183 |
| Net loans and leases to deposits | 67.2316% | 2,521 |
| Net loans and leases to core deposits | 68.4577% | 2,734 |
| Total domestic deposits to total assets | 90.1538% | 705 |
| Equity capital to assets | 9.1380% | 3,714 |
| Core capital (leverage) ratio | 9.3533% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9176% | 1,146 |
| Memoranda: | ||
| Average total assets | $181,464,750 | 3,231 |
| Average earning assets | $175,860,000 | 3,159 |
| Average equity | $16,914,000 | 3,515 |
| Average total loans | $109,598,000 | 3,122 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 3,084 |
| Cost of funding earning assets | 0.1987% | 3,764 |
| Net interest margin | 3.2306% | 2,664 |
| Noninterest income to average assets | 0.7716% | 1,610 |
| Noninterest expense to average assets | 2.1505% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7457% | 805 |
| Return on assets (ROA) | 1.7457% | 853 |
| Pretax return on assets | 1.7479% | 1,361 |
| Return on Equity (ROE) | 18.5999% | 585 |
| Retained earnings to average equity (ytd only) | 7.0420% | 2,416 |
| Net charge-offs to loans | -0.0112% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1635% | 3,648 |
| Assets per employee ($millions) | 7.5424% | 1,453 |
| Cash dividends to net income (ytd only)* | 62.1397% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,191 |
| Loan loss allowance to noncurrent loans | 461.9195% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 3,072 |
| Noncurrent loans to loans | 0.2921% | 2,880 |
| Net loans and leases to total assets | 60.2640% | 2,397 |
| Net loans and leases to deposits | 66.8476% | 2,742 |
| Net loans and leases to core deposits | 68.1217% | 2,951 |
| Total domestic deposits to total assets | 90.1512% | 701 |
| Equity capital to assets | 9.3886% | 3,429 |
| Core capital (leverage) ratio | 9.3344% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5553% | 1,022 |
| Memoranda: | ||
| Average total assets | $178,842,667 | 3,259 |
| Average earning assets | $173,093,667 | 3,191 |
| Average equity | $16,785,000 | 3,532 |
| Average total loans | $107,379,333 | 3,159 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 3,335 |
| Cost of funding earning assets | 0.2114% | 3,813 |
| Net interest margin | 3.1407% | 2,871 |
| Noninterest income to average assets | 1.0914% | 994 |
| Noninterest expense to average assets | 2.0185% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1130% | 479 |
| Return on assets (ROA) | 2.1130% | 523 |
| Pretax return on assets | 2.1153% | 788 |
| Return on Equity (ROE) | 22.5180% | 361 |
| Retained earnings to average equity (ytd only) | 11.8225% | 1,196 |
| Net charge-offs to loans | -0.0076% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8296% | 4,275 |
| Assets per employee ($millions) | 7.5708% | 1,412 |
| Cash dividends to net income (ytd only)* | 47.4973% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,898 |
| Loan loss allowance to noncurrent loans | 483.1169% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 3,319 |
| Noncurrent loans to loans | 0.2925% | 3,053 |
| Net loans and leases to total assets | 57.1377% | 2,892 |
| Net loans and leases to deposits | 63.1942% | 3,201 |
| Net loans and leases to core deposits | 64.7075% | 3,347 |
| Total domestic deposits to total assets | 90.4160% | 614 |
| Equity capital to assets | 9.3116% | 3,376 |
| Core capital (leverage) ratio | 9.6385% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3495% | 872 |
| Memoranda: | ||
| Average total assets | $177,755,500 | 3,260 |
| Average earning assets | $172,192,500 | 3,191 |
| Average equity | $16,680,000 | 3,541 |
| Average total loans | $105,779,000 | 3,192 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 2,868 |
| Cost of funding earning assets | 0.3436% | 3,905 |
| Net interest margin | 3.6103% | 2,109 |
| Noninterest income to average assets | 0.6496% | 2,028 |
| Noninterest expense to average assets | 2.3569% | 3,251 |
| Loan and lease loss provision to assets | 0.0788% | 3,395 |
| Net operating income to assets | 1.7047% | 492 |
| Return on assets (ROA) | 1.7047% | 532 |
| Pretax return on assets | 1.7060% | 846 |
| Return on Equity (ROE) | 17.1256% | 397 |
| Retained earnings to average equity (ytd only) | 2.6864% | 3,515 |
| Net charge-offs to loans | -0.0009% | 3,936 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9057% | 3,873 |
| Assets per employee ($millions) | 7.5571% | 1,245 |
| Cash dividends to net income (ytd only)* | 84.3137% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,976 |
| Loan loss allowance to noncurrent loans | 480.9061% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 3,390 |
| Noncurrent loans to loans | 0.2908% | 3,156 |
| Net loans and leases to total assets | 60.2751% | 2,824 |
| Net loans and leases to deposits | 66.6917% | 3,209 |
| Net loans and leases to core deposits | 68.4705% | 3,377 |
| Total domestic deposits to total assets | 90.3787% | 425 |
| Equity capital to assets | 9.4590% | 3,652 |
| Core capital (leverage) ratio | 9.5340% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1893% | 876 |
| Memoranda: | ||
| Average total assets | $158,559,000 | 3,305 |
| Average earning assets | $153,368,000 | 3,233 |
| Average equity | $15,783,400 | 3,579 |
| Average total loans | $106,568,800 | 3,146 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 2,593 |
| Cost of funding earning assets | 0.3745% | 3,935 |
| Net interest margin | 3.7545% | 1,748 |
| Noninterest income to average assets | 0.6160% | 2,115 |
| Noninterest expense to average assets | 2.3419% | 3,309 |
| Loan and lease loss provision to assets | 0.1079% | 2,972 |
| Net operating income to assets | 1.7939% | 453 |
| Return on assets (ROA) | 1.7939% | 511 |
| Pretax return on assets | 1.7947% | 784 |
| Return on Equity (ROE) | 17.7728% | 381 |
| Retained earnings to average equity (ytd only) | -1.6817% | 4,679 |
| Net charge-offs to loans | -0.0013% | 3,833 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1766% | 4,017 |
| Assets per employee ($millions) | 7.4210% | 1,262 |
| Cash dividends to net income (ytd only)* | 109.4621% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.1567% | 2,988 |
| Net loans and leases to deposits | 68.9933% | 3,395 |
| Net loans and leases to core deposits | 71.0280% | 3,553 |
| Total domestic deposits to total assets | 90.0910% | 394 |
| Equity capital to assets | 9.2722% | 3,883 |
| Core capital (leverage) ratio | 9.5005% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3528% | 997 |
| Memoranda: | ||
| Average total assets | $154,745,500 | 3,320 |
| Average earning assets | $149,542,250 | 3,248 |
| Average equity | $15,619,000 | 3,594 |
| Average total loans | $106,648,000 | 3,144 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,341 |
| Cost of funding earning assets | 0.4018% | 4,026 |
| Net interest margin | 3.9475% | 1,451 |
| Noninterest income to average assets | 0.6357% | 1,993 |
| Noninterest expense to average assets | 2.3971% | 3,268 |
| Loan and lease loss provision to assets | 0.1673% | 2,333 |
| Net operating income to assets | 1.8831% | 414 |
| Return on assets (ROA) | 1.8831% | 459 |
| Pretax return on assets | 1.8845% | 688 |
| Return on Equity (ROE) | 18.0965% | 355 |
| Retained earnings to average equity (ytd only) | -7.8585% | 4,876 |
| Net charge-offs to loans | -0.0019% | 3,808 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8809% | 4,193 |
| Assets per employee ($millions) | 6.9067% | 1,497 |
| Cash dividends to net income (ytd only)* | 143.4257% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,612 |
| Loan loss allowance to noncurrent loans | 7,076.1905% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,506 |
| Noncurrent loans to loans | 0.0197% | 4,418 |
| Net loans and leases to total assets | 66.2571% | 2,591 |
| Net loans and leases to deposits | 73.8403% | 3,091 |
| Net loans and leases to core deposits | 76.3365% | 3,258 |
| Total domestic deposits to total assets | 89.7302% | 481 |
| Equity capital to assets | 9.7039% | 3,472 |
| Core capital (leverage) ratio | 9.9250% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8157% | 1,082 |
| Memoranda: | ||
| Average total assets | $149,433,000 | 3,367 |
| Average earning assets | $144,346,000 | 3,290 |
| Average equity | $15,550,000 | 3,600 |
| Average total loans | $106,338,333 | 3,145 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,143 |
| Cost of funding earning assets | 0.4204% | 4,277 |
| Net interest margin | 4.1330% | 1,070 |
| Noninterest income to average assets | 0.7352% | 1,516 |
| Noninterest expense to average assets | 2.4018% | 3,537 |
| Loan and lease loss provision to assets | 0.3455% | 887 |
| Net operating income to assets | 1.9790% | 282 |
| Return on assets (ROA) | 1.9790% | 309 |
| Pretax return on assets | 1.9817% | 467 |
| Return on Equity (ROE) | 18.3384% | 245 |
| Retained earnings to average equity (ytd only) | -20.7972% | 4,974 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7890% | 4,621 |
| Assets per employee ($millions) | 6.2767% | 1,477 |
| Cash dividends to net income (ytd only)* | 213.4078% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,724 |
| Loan loss allowance to noncurrent loans | 7,071.4286% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,569 |
| Noncurrent loans to loans | 0.0197% | 4,494 |
| Net loans and leases to total assets | 72.7666% | 1,809 |
| Net loans and leases to deposits | 81.5482% | 2,516 |
| Net loans and leases to core deposits | 84.4947% | 2,808 |
| Total domestic deposits to total assets | 89.2313% | 575 |
| Equity capital to assets | 10.5401% | 3,282 |
| Core capital (leverage) ratio | 10.6163% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3920% | 2,534 |
| Memoranda: | ||
| Average total assets | $144,722,500 | 3,403 |
| Average earning assets | $139,851,000 | 3,312 |
| Average equity | $15,617,500 | 3,600 |
| Average total loans | $106,138,500 | 3,140 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 2,398 |
| Cost of funding earning assets | 0.3895% | 4,476 |
| Net interest margin | 4.2876% | 1,117 |
| Noninterest income to average assets | 0.6402% | 2,044 |
| Noninterest expense to average assets | 2.6618% | 2,989 |
| Loan and lease loss provision to assets | 0.0070% | 3,867 |
| Net operating income to assets | 2.1151% | 265 |
| Return on assets (ROA) | 2.1151% | 278 |
| Pretax return on assets | 2.1165% | 460 |
| Return on Equity (ROE) | 19.9926% | 213 |
| Retained earnings to average equity (ytd only) | 7.1322% | 1,339 |
| Net charge-offs to loans | 0.0407% | 2,573 |
| Credit loss provision to net charge-offs | 23.8095% | 3,305 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 863 |
| Efficiency ratio | 55.6252% | 4,249 |
| Assets per employee ($millions) | 6.3079% | 1,410 |
| Cash dividends to net income (ytd only)* | 64.3258% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 1,991 |
| Loan loss allowance to noncurrent loans | 2,029.8507% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,405 |
| Noncurrent loans to loans | 0.0634% | 4,286 |
| Net loans and leases to total assets | 71.9483% | 2,099 |
| Net loans and leases to deposits | 80.9454% | 2,667 |
| Net loans and leases to core deposits | 84.5550% | 2,905 |
| Total domestic deposits to total assets | 88.8849% | 714 |
| Equity capital to assets | 11.0413% | 2,952 |
| Core capital (leverage) ratio | 11.0937% | 2,415 |
| Tier 1 risk-based capital ratio | 17.4978% | 1,892 |
| Total risk-based capital ratio | 18.7503% | 1,847 |
| Memoranda: | ||
| Average total assets | $143,399,600 | 3,389 |
| Average earning assets | $138,633,000 | 3,299 |
| Average equity | $15,170,600 | 3,624 |
| Average total loans | $103,073,600 | 3,185 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,399 |
| Cost of funding earning assets | 0.3824% | 4,555 |
| Net interest margin | 4.3244% | 1,119 |
| Noninterest income to average assets | 0.7022% | 1,773 |
| Noninterest expense to average assets | 2.6082% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2679% | 240 |
| Return on assets (ROA) | 2.2679% | 253 |
| Pretax return on assets | 2.2697% | 396 |
| Return on Equity (ROE) | 21.6772% | 177 |
| Retained earnings to average equity (ytd only) | 4.2873% | 3,251 |
| Net charge-offs to loans | -0.0234% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4697% | 4,446 |
| Assets per employee ($millions) | 6.2995% | 1,390 |
| Cash dividends to net income (ytd only)* | 80.2220% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,816 |
| Loan loss allowance to noncurrent loans | 291.3223% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,200 |
| Noncurrent loans to loans | 0.4584% | 2,931 |
| Net loans and leases to total assets | 71.8997% | 2,193 |
| Net loans and leases to deposits | 80.9125% | 2,809 |
| Net loans and leases to core deposits | 84.3719% | 3,063 |
| Total domestic deposits to total assets | 88.8611% | 667 |
| Equity capital to assets | 10.6427% | 3,425 |
| Core capital (leverage) ratio | 10.7491% | 2,893 |
| Tier 1 risk-based capital ratio | 16.5671% | 2,241 |
| Total risk-based capital ratio | 17.8198% | 2,166 |
| Memoranda: | ||
| Average total assets | $142,979,000 | 3,429 |
| Average earning assets | $138,065,500 | 3,342 |
| Average equity | $14,958,500 | 3,677 |
| Average total loans | $102,406,000 | 3,231 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 2,493 |
| Cost of funding earning assets | 0.3696% | 4,620 |
| Net interest margin | 4.2873% | 1,174 |
| Noninterest income to average assets | 0.7559% | 1,497 |
| Noninterest expense to average assets | 2.6471% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2481% | 234 |
| Return on assets (ROA) | 2.2481% | 244 |
| Pretax return on assets | 2.2481% | 395 |
| Return on Equity (ROE) | 21.6148% | 177 |
| Retained earnings to average equity (ytd only) | -0.4728% | 4,762 |
| Net charge-offs to loans | -0.0158% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0758% | 4,462 |
| Assets per employee ($millions) | 5.8804% | 1,630 |
| Cash dividends to net income (ytd only)* | 102.1875% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 1,724 |
| Loan loss allowance to noncurrent loans | 707.0707% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,063 |
| Noncurrent loans to loans | 0.1941% | 3,856 |
| Net loans and leases to total assets | 71.2712% | 2,330 |
| Net loans and leases to deposits | 80.0084% | 2,954 |
| Net loans and leases to core deposits | 83.5673% | 3,148 |
| Total domestic deposits to total assets | 89.0796% | 634 |
| Equity capital to assets | 10.5626% | 3,464 |
| Core capital (leverage) ratio | 10.6477% | 2,941 |
| Tier 1 risk-based capital ratio | 16.5091% | 2,231 |
| Total risk-based capital ratio | 17.7628% | 2,182 |
| Memoranda: | ||
| Average total assets | $142,342,670 | 3,458 |
| Average earning assets | $137,429,670 | 3,368 |
| Average equity | $14,804,670 | 3,694 |
| Average total loans | $101,346,670 | 3,270 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 2,617 |
| Cost of funding earning assets | 0.3543% | 4,663 |
| Net interest margin | 4.2224% | 1,256 |
| Noninterest income to average assets | 0.6828% | 1,673 |
| Noninterest expense to average assets | 2.5492% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2022% | 271 |
| Return on assets (ROA) | 2.2022% | 282 |
| Pretax return on assets | 2.2022% | 448 |
| Return on Equity (ROE) | 21.3373% | 198 |
| Retained earnings to average equity (ytd only) | -8.7030% | 5,060 |
| Net charge-offs to loans | -0.0119% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6514% | 4,564 |
| Assets per employee ($millions) | 5.9408% | 1,593 |
| Cash dividends to net income (ytd only)* | 140.7878% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,661 |
| Loan loss allowance to noncurrent loans | 553.5714% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 3,932 |
| Noncurrent loans to loans | 0.2538% | 3,651 |
| Net loans and leases to total assets | 68.6602% | 2,666 |
| Net loans and leases to deposits | 76.7226% | 3,193 |
| Net loans and leases to core deposits | 80.2938% | 3,337 |
| Total domestic deposits to total assets | 89.4914% | 644 |
| Equity capital to assets | 10.2420% | 3,582 |
| Core capital (leverage) ratio | 10.2629% | 3,315 |
| Tier 1 risk-based capital ratio | 16.3291% | 2,325 |
| Total risk-based capital ratio | 17.5824% | 2,270 |
| Memoranda: | ||
| Average total assets | $142,949,000 | 3,489 |
| Average earning assets | $137,741,500 | 3,399 |
| Average equity | $14,753,500 | 3,716 |
| Average total loans | $101,027,500 | 3,306 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 2,673 |
| Cost of funding earning assets | 0.2686% | 4,717 |
| Net interest margin | 4.1580% | 1,504 |
| Noninterest income to average assets | 0.6046% | 2,267 |
| Noninterest expense to average assets | 2.5747% | 3,404 |
| Loan and lease loss provision to assets | 0.0421% | 3,348 |
| Net operating income to assets | 2.0045% | 358 |
| Return on assets (ROA) | 2.0045% | 355 |
| Pretax return on assets | 2.0045% | 561 |
| Return on Equity (ROE) | 20.2807% | 237 |
| Retained earnings to average equity (ytd only) | 8.7353% | 959 |
| Net charge-offs to loans | -0.1000% | 5,153 |
| Credit loss provision to net charge-offs | -58.8235% | 4,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7141% | 4,443 |
| Assets per employee ($millions) | 5.9716% | 1,540 |
| Cash dividends to net income (ytd only)* | 56.9279% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,811 |
| Loan loss allowance to noncurrent loans | 548.0315% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 3,920 |
| Noncurrent loans to loans | 0.2472% | 3,700 |
| Net loans and leases to total assets | 70.7324% | 2,455 |
| Net loans and leases to deposits | 79.0229% | 3,050 |
| Net loans and leases to core deposits | 81.7353% | 3,284 |
| Total domestic deposits to total assets | 89.5087% | 658 |
| Equity capital to assets | 10.3992% | 3,287 |
| Core capital (leverage) ratio | 10.4860% | 3,043 |
| Tier 1 risk-based capital ratio | 16.3849% | 2,278 |
| Total risk-based capital ratio | 17.6373% | 2,215 |
| Memoranda: | ||
| Average total assets | $142,578,800 | 3,467 |
| Average earning assets | $137,734,800 | 3,387 |
| Average equity | $14,092,200 | 3,736 |
| Average total loans | $102,021,400 | 3,261 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 2,549 |
| Cost of funding earning assets | 0.2550% | 4,758 |
| Net interest margin | 4.1698% | 1,445 |
| Noninterest income to average assets | 0.6367% | 2,134 |
| Noninterest expense to average assets | 2.4841% | 3,635 |
| Loan and lease loss provision to assets | 0.0281% | 3,445 |
| Net operating income to assets | 2.1499% | 281 |
| Return on assets (ROA) | 2.1499% | 279 |
| Pretax return on assets | 2.1517% | 429 |
| Return on Equity (ROE) | 22.0405% | 164 |
| Retained earnings to average equity (ytd only) | 6.4221% | 2,423 |
| Net charge-offs to loans | -0.1741% | 5,276 |
| Credit loss provision to net charge-offs | -22.5564% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2624% | 4,681 |
| Assets per employee ($millions) | 5.9957% | 1,491 |
| Cash dividends to net income (ytd only)* | 70.8623% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,007 |
| Loan loss allowance to noncurrent loans | 748.9247% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 4,316 |
| Noncurrent loans to loans | 0.1761% | 4,103 |
| Net loans and leases to total assets | 72.4405% | 2,262 |
| Net loans and leases to deposits | 80.9114% | 2,939 |
| Net loans and leases to core deposits | 83.8446% | 3,168 |
| Total domestic deposits to total assets | 89.5306% | 666 |
| Equity capital to assets | 9.9621% | 3,686 |
| Core capital (leverage) ratio | 9.9567% | 3,686 |
| Tier 1 risk-based capital ratio | 15.1843% | 2,798 |
| Total risk-based capital ratio | 16.4369% | 2,723 |
| Memoranda: | ||
| Average total assets | $142,393,750 | 3,508 |
| Average earning assets | $137,524,750 | 3,430 |
| Average equity | $13,889,250 | 3,791 |
| Average total loans | $101,835,500 | 3,296 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,504 |
| Cost of funding earning assets | 0.2423% | 4,787 |
| Net interest margin | 4.1292% | 1,471 |
| Noninterest income to average assets | 0.6709% | 2,000 |
| Noninterest expense to average assets | 2.4652% | 3,733 |
| Loan and lease loss provision to assets | 0.0423% | 3,054 |
| Net operating income to assets | 2.1481% | 275 |
| Return on assets (ROA) | 2.1481% | 270 |
| Pretax return on assets | 2.1509% | 430 |
| Return on Equity (ROE) | 22.1823% | 157 |
| Retained earnings to average equity (ytd only) | 3.0857% | 4,019 |
| Net charge-offs to loans | -0.1531% | 5,278 |
| Credit loss provision to net charge-offs | -38.9610% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9198% | 4,794 |
| Assets per employee ($millions) | 6.3014% | 1,268 |
| Cash dividends to net income (ytd only)* | 86.0892% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 71.1975% | 2,410 |
| Net loans and leases to deposits | 79.0707% | 3,046 |
| Net loans and leases to core deposits | 82.3179% | 3,217 |
| Total domestic deposits to total assets | 90.0429% | 556 |
| Equity capital to assets | 9.5755% | 4,031 |
| Core capital (leverage) ratio | 9.9413% | 3,645 |
| Tier 1 risk-based capital ratio | 14.5048% | 3,114 |
| Total risk-based capital ratio | 15.7564% | 3,030 |
| Memoranda: | ||
| Average total assets | $141,893,000 | 3,545 |
| Average earning assets | $137,025,330 | 3,458 |
| Average equity | $13,740,670 | 3,830 |
| Average total loans | $100,570,000 | 3,330 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,124 |
| Cost of funding earning assets | 0.2324% | 4,819 |
| Net interest margin | 4.1889% | 1,197 |
| Noninterest income to average assets | 0.6497% | 2,031 |
| Noninterest expense to average assets | 2.4221% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2825% | 211 |
| Return on assets (ROA) | 2.2825% | 211 |
| Pretax return on assets | 2.2853% | 329 |
| Return on Equity (ROE) | 23.4348% | 120 |
| Retained earnings to average equity (ytd only) | 0.0878% | 4,793 |
| Net charge-offs to loans | -0.0041% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4528% | 5,000 |
| Assets per employee ($millions) | 6.0653% | 1,459 |
| Cash dividends to net income (ytd only)* | 99.6255% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.0664% | 2,476 |
| Net loans and leases to deposits | 78.2484% | 2,995 |
| Net loans and leases to core deposits | 81.7661% | 3,163 |
| Total domestic deposits to total assets | 89.5435% | 867 |
| Equity capital to assets | 9.7963% | 3,800 |
| Core capital (leverage) ratio | 9.8719% | 3,686 |
| Tier 1 risk-based capital ratio | 15.3803% | 2,704 |
| Total risk-based capital ratio | 16.6311% | 2,645 |
| Memoranda: | ||
| Average total assets | $140,373,500 | 3,599 |
| Average earning assets | $135,977,500 | 3,505 |
| Average equity | $13,672,000 | 3,881 |
| Average total loans | $98,592,500 | 3,384 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 3,111 |
| Cost of funding earning assets | 0.2197% | 4,794 |
| Net interest margin | 3.8639% | 2,209 |
| Noninterest income to average assets | 0.7237% | 1,870 |
| Noninterest expense to average assets | 2.5784% | 3,513 |
| Loan and lease loss provision to assets | 0.0516% | 3,195 |
| Net operating income to assets | 1.8038% | 419 |
| Return on assets (ROA) | 1.8038% | 428 |
| Pretax return on assets | 1.8052% | 783 |
| Return on Equity (ROE) | 18.5146% | 273 |
| Retained earnings to average equity (ytd only) | 5.7475% | 1,685 |
| Net charge-offs to loans | 0.2091% | 1,245 |
| Credit loss provision to net charge-offs | 34.8259% | 3,490 |
| Earnings coverage of net charge-offs (x) | 12.5224% | 2,464 |
| Efficiency ratio | 58.1337% | 4,510 |
| Assets per employee ($millions) | 6.1411% | 1,421 |
| Cash dividends to net income (ytd only)* | 68.9571% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,456 |
| Loan loss allowance to noncurrent loans | 221.2230% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 3,284 |
| Noncurrent loans to loans | 0.5661% | 2,805 |
| Net loans and leases to total assets | 68.6608% | 2,733 |
| Net loans and leases to deposits | 76.1081% | 3,319 |
| Net loans and leases to core deposits | 78.9052% | 3,508 |
| Total domestic deposits to total assets | 90.2149% | 491 |
| Equity capital to assets | 9.6839% | 4,049 |
| Core capital (leverage) ratio | 9.7320% | 3,769 |
| Tier 1 risk-based capital ratio | 15.3387% | 2,689 |
| Total risk-based capital ratio | 16.5897% | 2,626 |
| Memoranda: | ||
| Average total assets | $135,549,200 | 3,671 |
| Average earning assets | $130,204,400 | 3,584 |
| Average equity | $13,205,800 | 3,959 |
| Average total loans | $96,123,600 | 3,414 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 2,971 |
| Cost of funding earning assets | 0.2196% | 4,816 |
| Net interest margin | 3.8860% | 2,084 |
| Noninterest income to average assets | 0.7784% | 1,671 |
| Noninterest expense to average assets | 2.5538% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9514% | 348 |
| Return on assets (ROA) | 1.9514% | 353 |
| Pretax return on assets | 1.9534% | 602 |
| Return on Equity (ROE) | 19.9979% | 224 |
| Retained earnings to average equity (ytd only) | 2.8219% | 4,222 |
| Net charge-offs to loans | -0.0153% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6608% | 4,656 |
| Assets per employee ($millions) | 6.2483% | 1,342 |
| Cash dividends to net income (ytd only)* | 85.8887% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,770 |
| Loan loss allowance to noncurrent loans | 183.4225% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 2,971 |
| Noncurrent loans to loans | 0.7807% | 2,413 |
| Net loans and leases to total assets | 65.7138% | 3,146 |
| Net loans and leases to deposits | 72.7689% | 3,692 |
| Net loans and leases to core deposits | 75.3852% | 3,856 |
| Total domestic deposits to total assets | 90.3048% | 374 |
| Equity capital to assets | 9.1921% | 4,733 |
| Core capital (leverage) ratio | 9.4588% | 4,214 |
| Tier 1 risk-based capital ratio | 14.9364% | 2,948 |
| Total risk-based capital ratio | 16.1890% | 2,867 |
| Memoranda: | ||
| Average total assets | $134,125,250 | 3,724 |
| Average earning assets | $128,699,250 | 3,639 |
| Average equity | $13,087,750 | 4,011 |
| Average total loans | $95,602,000 | 3,447 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,731 |
| Cost of funding earning assets | 0.2226% | 4,782 |
| Net interest margin | 3.9083% | 1,899 |
| Noninterest income to average assets | 0.8264% | 1,481 |
| Noninterest expense to average assets | 2.6182% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9598% | 329 |
| Return on assets (ROA) | 1.9598% | 338 |
| Pretax return on assets | 1.9629% | 572 |
| Return on Equity (ROE) | 19.6674% | 231 |
| Retained earnings to average equity (ytd only) | -1.2417% | 5,259 |
| Net charge-offs to loans | -0.0042% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1524% | 4,686 |
| Assets per employee ($millions) | 5.5723% | 1,805 |
| Cash dividends to net income (ytd only)* | 106.3133% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,928 |
| Loan loss allowance to noncurrent loans | 143.1723% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 2,427 |
| Noncurrent loans to loans | 0.9824% | 1,997 |
| Net loans and leases to total assets | 71.4450% | 2,293 |
| Net loans and leases to deposits | 79.4391% | 2,974 |
| Net loans and leases to core deposits | 82.5417% | 3,208 |
| Total domestic deposits to total assets | 89.9368% | 557 |
| Equity capital to assets | 9.6123% | 4,302 |
| Core capital (leverage) ratio | 9.8941% | 3,662 |
| Tier 1 risk-based capital ratio | 14.5199% | 3,157 |
| Total risk-based capital ratio | 15.7726% | 3,079 |
| Memoranda: | ||
| Average total assets | $130,930,000 | 3,789 |
| Average earning assets | $125,785,000 | 3,707 |
| Average equity | $13,047,000 | 4,030 |
| Average total loans | $95,532,670 | 3,461 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 2,592 |
| Cost of funding earning assets | 0.2212% | 4,793 |
| Net interest margin | 3.8945% | 1,797 |
| Noninterest income to average assets | 0.8801% | 1,307 |
| Noninterest expense to average assets | 2.6002% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0289% | 288 |
| Return on assets (ROA) | 2.0289% | 297 |
| Pretax return on assets | 2.0320% | 473 |
| Return on Equity (ROE) | 19.9954% | 230 |
| Retained earnings to average equity (ytd only) | 12.8738% | 386 |
| Net charge-offs to loans | -0.0042% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1333% | 4,926 |
| Assets per employee ($millions) | 5.4131% | 1,969 |
| Cash dividends to net income (ytd only)* | 35.6164% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 2,019 |
| Loan loss allowance to noncurrent loans | 184.3031% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 2,953 |
| Noncurrent loans to loans | 0.7676% | 2,554 |
| Net loans and leases to total assets | 73.0539% | 1,905 |
| Net loans and leases to deposits | 81.6617% | 2,548 |
| Net loans and leases to core deposits | 84.9600% | 2,817 |
| Total domestic deposits to total assets | 89.4593% | 919 |
| Equity capital to assets | 10.2813% | 3,426 |
| Core capital (leverage) ratio | 10.4396% | 2,970 |
| Tier 1 risk-based capital ratio | 15.6845% | 2,669 |
| Total risk-based capital ratio | 16.9383% | 2,614 |
| Memoranda: | ||
| Average total assets | $129,527,500 | 3,846 |
| Average earning assets | $124,792,500 | 3,757 |
| Average equity | $13,143,000 | 4,037 |
| Average total loans | $94,844,000 | 3,503 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,462 |
| Cost of funding earning assets | 0.2379% | 4,674 |
| Net interest margin | 3.9699% | 1,732 |
| Noninterest income to average assets | 0.6574% | 2,381 |
| Noninterest expense to average assets | 2.7911% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6472% | 614 |
| Return on assets (ROA) | 1.6472% | 639 |
| Pretax return on assets | 1.6497% | 1,135 |
| Return on Equity (ROE) | 16.3073% | 478 |
| Retained earnings to average equity (ytd only) | 5.4624% | 2,035 |
| Net charge-offs to loans | -0.0133% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8520% | 4,129 |
| Assets per employee ($millions) | 5.3808% | 1,970 |
| Cash dividends to net income (ytd only)* | 66.5034% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,849 |
| Loan loss allowance to noncurrent loans | 184.1678% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 3,020 |
| Noncurrent loans to loans | 0.7911% | 2,538 |
| Net loans and leases to total assets | 71.2847% | 2,282 |
| Net loans and leases to deposits | 79.3273% | 2,962 |
| Net loans and leases to core deposits | 81.4909% | 3,252 |
| Total domestic deposits to total assets | 89.8614% | 699 |
| Equity capital to assets | 10.0116% | 3,713 |
| Core capital (leverage) ratio | 10.2559% | 3,165 |
| Tier 1 risk-based capital ratio | 15.1543% | 2,900 |
| Total risk-based capital ratio | 16.4077% | 2,832 |
| Memoranda: | ||
| Average total assets | $123,964,800 | 3,926 |
| Average earning assets | $118,138,200 | 3,866 |
| Average equity | $12,522,000 | 4,167 |
| Average total loans | $90,071,600 | 3,575 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,312 |
| Cost of funding earning assets | 0.2448% | 4,653 |
| Net interest margin | 4.0122% | 1,615 |
| Noninterest income to average assets | 0.6967% | 2,184 |
| Noninterest expense to average assets | 2.7379% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7673% | 522 |
| Return on assets (ROA) | 1.7673% | 549 |
| Pretax return on assets | 1.7716% | 948 |
| Return on Equity (ROE) | 17.4550% | 397 |
| Retained earnings to average equity (ytd only) | 2.8769% | 4,173 |
| Net charge-offs to loans | -0.0134% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7134% | 4,437 |
| Assets per employee ($millions) | 5.2239% | 2,119 |
| Cash dividends to net income (ytd only)* | 83.5176% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,948 |
| Loan loss allowance to noncurrent loans | 149.2308% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 2,744 |
| Noncurrent loans to loans | 0.9760% | 2,289 |
| Net loans and leases to total assets | 73.2861% | 1,983 |
| Net loans and leases to deposits | 81.8794% | 2,751 |
| Net loans and leases to core deposits | 83.7665% | 3,150 |
| Total domestic deposits to total assets | 89.5049% | 672 |
| Equity capital to assets | 10.0245% | 4,107 |
| Core capital (leverage) ratio | 10.2732% | 3,253 |
| Tier 1 risk-based capital ratio | 14.3754% | 3,345 |
| Total risk-based capital ratio | 15.6282% | 3,273 |
| Memoranda: | ||
| Average total assets | $122,671,000 | 3,972 |
| Average earning assets | $116,574,250 | 3,917 |
| Average equity | $12,420,250 | 4,221 |
| Average total loans | $89,235,000 | 3,613 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,485 |
| Cost of funding earning assets | 0.2499% | 4,657 |
| Net interest margin | 3.9589% | 1,776 |
| Noninterest income to average assets | 0.7079% | 2,109 |
| Noninterest expense to average assets | 2.7363% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7393% | 537 |
| Return on assets (ROA) | 1.7393% | 567 |
| Pretax return on assets | 1.7443% | 991 |
| Return on Equity (ROE) | 17.1207% | 429 |
| Retained earnings to average equity (ytd only) | -0.6467% | 5,387 |
| Net charge-offs to loans | -0.0114% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0704% | 4,501 |
| Assets per employee ($millions) | 5.0366% | 2,260 |
| Cash dividends to net income (ytd only)* | 103.7771% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,858 |
| Loan loss allowance to noncurrent loans | 181.2584% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 3,155 |
| Noncurrent loans to loans | 0.8281% | 2,673 |
| Net loans and leases to total assets | 73.5088% | 1,929 |
| Net loans and leases to deposits | 82.1395% | 2,696 |
| Net loans and leases to core deposits | 84.1049% | 3,072 |
| Total domestic deposits to total assets | 89.4927% | 688 |
| Equity capital to assets | 10.1598% | 4,012 |
| Core capital (leverage) ratio | 10.0899% | 3,457 |
| Tier 1 risk-based capital ratio | 14.8432% | 3,142 |
| Total risk-based capital ratio | 16.0976% | 3,082 |
| Memoranda: | ||
| Average total assets | $121,770,330 | 4,016 |
| Average earning assets | $116,042,000 | 3,947 |
| Average equity | $12,371,000 | 4,254 |
| Average total loans | $87,900,330 | 3,651 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,390 |
| Cost of funding earning assets | 0.2662% | 4,540 |
| Net interest margin | 3.9579% | 1,754 |
| Noninterest income to average assets | 0.7200% | 1,939 |
| Noninterest expense to average assets | 2.7132% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6495% | 636 |
| Return on assets (ROA) | 1.6495% | 678 |
| Pretax return on assets | 1.6561% | 1,168 |
| Return on Equity (ROE) | 16.2371% | 512 |
| Retained earnings to average equity (ytd only) | 9.5683% | 962 |
| Net charge-offs to loans | -0.0138% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0974% | 4,431 |
| Assets per employee ($millions) | 5.0208% | 2,319 |
| Cash dividends to net income (ytd only)* | 41.0714% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,824 |
| Loan loss allowance to noncurrent loans | 177.4278% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 3,163 |
| Noncurrent loans to loans | 0.8681% | 2,672 |
| Net loans and leases to total assets | 71.7237% | 2,084 |
| Net loans and leases to deposits | 80.2800% | 2,755 |
| Net loans and leases to core deposits | 82.4654% | 3,092 |
| Total domestic deposits to total assets | 89.3419% | 925 |
| Equity capital to assets | 10.4456% | 3,561 |
| Core capital (leverage) ratio | 10.4288% | 3,042 |
| Tier 1 risk-based capital ratio | 14.5767% | 3,352 |
| Total risk-based capital ratio | 15.8298% | 3,289 |
| Memoranda: | ||
| Average total assets | $122,216,500 | 4,039 |
| Average earning assets | $112,686,500 | 4,026 |
| Average equity | $12,416,000 | 4,259 |
| Average total loans | $86,745,500 | 3,690 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 2,802 |
| Cost of funding earning assets | 0.3297% | 3,915 |
| Net interest margin | 3.8021% | 2,368 |
| Noninterest income to average assets | 0.6800% | 2,292 |
| Noninterest expense to average assets | 2.7226% | 3,508 |
| Loan and lease loss provision to assets | 0.1046% | 2,240 |
| Net operating income to assets | 1.4303% | 987 |
| Return on assets (ROA) | 1.4303% | 1,018 |
| Pretax return on assets | 1.4320% | 1,782 |
| Return on Equity (ROE) | 14.3925% | 788 |
| Retained earnings to average equity (ytd only) | 4.4777% | 2,802 |
| Net charge-offs to loans | -0.0387% | 5,485 |
| Credit loss provision to net charge-offs | -390.6250% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9238% | 4,280 |
| Assets per employee ($millions) | 5.1639% | 2,165 |
| Cash dividends to net income (ytd only)* | 68.8889% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,708 |
| Loan loss allowance to noncurrent loans | 173.3933% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 3,185 |
| Noncurrent loans to loans | 0.9077% | 2,520 |
| Net loans and leases to total assets | 68.0715% | 2,694 |
| Net loans and leases to deposits | 75.5819% | 3,311 |
| Net loans and leases to core deposits | 77.5823% | 3,596 |
| Total domestic deposits to total assets | 90.0632% | 608 |
| Equity capital to assets | 9.8803% | 4,100 |
| Core capital (leverage) ratio | 10.0486% | 3,443 |
| Tier 1 risk-based capital ratio | 15.4421% | 2,959 |
| Total risk-based capital ratio | 16.6982% | 2,898 |
| Memoranda: | ||
| Average total assets | $119,554,000 | 4,074 |
| Average earning assets | $112,543,600 | 4,025 |
| Average equity | $11,881,200 | 4,329 |
| Average total loans | $82,609,200 | 3,757 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,651 |
| Cost of funding earning assets | 0.3471% | 3,785 |
| Net interest margin | 3.8323% | 2,260 |
| Noninterest income to average assets | 0.6719% | 2,378 |
| Noninterest expense to average assets | 2.6630% | 3,680 |
| Loan and lease loss provision to assets | 0.0281% | 3,680 |
| Net operating income to assets | 1.5825% | 805 |
| Return on assets (ROA) | 1.5825% | 840 |
| Pretax return on assets | 1.5848% | 1,427 |
| Return on Equity (ROE) | 15.8997% | 602 |
| Retained earnings to average equity (ytd only) | 2.5783% | 4,586 |
| Net charge-offs to loans | -0.0473% | 5,529 |
| Credit loss provision to net charge-offs | -86.2069% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2795% | 4,526 |
| Assets per employee ($millions) | 5.7815% | 1,525 |
| Cash dividends to net income (ytd only)* | 83.7839% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 2,081 |
| Loan loss allowance to noncurrent loans | 150.8475% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 3,085 |
| Noncurrent loans to loans | 1.0061% | 2,462 |
| Net loans and leases to total assets | 66.5972% | 2,921 |
| Net loans and leases to deposits | 74.2755% | 3,517 |
| Net loans and leases to core deposits | 76.3061% | 3,768 |
| Total domestic deposits to total assets | 89.6625% | 706 |
| Equity capital to assets | 9.8656% | 4,319 |
| Core capital (leverage) ratio | 10.0782% | 3,528 |
| Tier 1 risk-based capital ratio | 14.9852% | 3,302 |
| Total risk-based capital ratio | 16.2401% | 3,240 |
| Memoranda: | ||
| Average total assets | $118,459,250 | 4,136 |
| Average earning assets | $111,400,750 | 4,096 |
| Average equity | $11,790,250 | 4,393 |
| Average total loans | $81,833,500 | 3,810 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 2,215 |
| Cost of funding earning assets | 0.3674% | 3,629 |
| Net interest margin | 3.9188% | 1,913 |
| Noninterest income to average assets | 0.6946% | 2,235 |
| Noninterest expense to average assets | 2.6474% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6957% | 632 |
| Return on assets (ROA) | 1.6957% | 660 |
| Pretax return on assets | 1.6974% | 1,089 |
| Return on Equity (ROE) | 16.9855% | 492 |
| Retained earnings to average equity (ytd only) | 0.3070% | 5,414 |
| Net charge-offs to loans | -0.0685% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9326% | 4,839 |
| Assets per employee ($millions) | 5.4676% | 1,768 |
| Cash dividends to net income (ytd only)* | 98.1928% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 2,167 |
| Loan loss allowance to noncurrent loans | 144.8931% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 3,030 |
| Noncurrent loans to loans | 1.0553% | 2,535 |
| Net loans and leases to total assets | 68.4297% | 2,583 |
| Net loans and leases to deposits | 76.5076% | 3,208 |
| Net loans and leases to core deposits | 78.7285% | 3,508 |
| Total domestic deposits to total assets | 89.4417% | 927 |
| Equity capital to assets | 10.2142% | 3,793 |
| Core capital (leverage) ratio | 10.1643% | 3,383 |
| Tier 1 risk-based capital ratio | 15.1569% | 3,274 |
| Total risk-based capital ratio | 16.4107% | 3,205 |
| Memoranda: | ||
| Average total assets | $117,475,000 | 4,199 |
| Average earning assets | $109,422,330 | 4,164 |
| Average equity | $11,727,670 | 4,430 |
| Average total loans | $81,743,670 | 3,831 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 2,845 |
| Cost of funding earning assets | 0.3681% | 3,668 |
| Net interest margin | 3.7278% | 2,521 |
| Noninterest income to average assets | 0.7340% | 1,997 |
| Noninterest expense to average assets | 2.5286% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7171% | 569 |
| Return on assets (ROA) | 1.7171% | 598 |
| Pretax return on assets | 1.7171% | 1,015 |
| Return on Equity (ROE) | 17.3950% | 440 |
| Retained earnings to average equity (ytd only) | -2.2852% | 5,718 |
| Net charge-offs to loans | -0.0629% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5559% | 5,150 |
| Assets per employee ($millions) | 5.5785% | 1,731 |
| Cash dividends to net income (ytd only)* | 113.1373% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 2,606 |
| Loan loss allowance to noncurrent loans | 123.9712% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 2,878 |
| Noncurrent loans to loans | 1.1798% | 2,416 |
| Net loans and leases to total assets | 69.2978% | 2,238 |
| Net loans and leases to deposits | 77.4465% | 2,886 |
| Net loans and leases to core deposits | 79.6431% | 3,209 |
| Total domestic deposits to total assets | 89.4783% | 1,002 |
| Equity capital to assets | 10.0121% | 4,133 |
| Core capital (leverage) ratio | 9.9828% | 3,623 |
| Tier 1 risk-based capital ratio | 14.8179% | 3,535 |
| Total risk-based capital ratio | 16.0706% | 3,466 |
| Memoranda: | ||
| Average total assets | $118,802,500 | 4,207 |
| Average earning assets | $111,916,000 | 4,144 |
| Average equity | $11,727,500 | 4,466 |
| Average total loans | $82,720,000 | 3,821 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,982 |
| Cost of funding earning assets | 0.4451% | 3,219 |
| Net interest margin | 3.7445% | 2,829 |
| Noninterest income to average assets | 0.6022% | 2,846 |
| Noninterest expense to average assets | 2.7796% | 3,559 |
| Loan and lease loss provision to assets | 0.1748% | 1,482 |
| Net operating income to assets | 1.2290% | 1,501 |
| Return on assets (ROA) | 1.2290% | 1,552 |
| Pretax return on assets | 1.2290% | 2,535 |
| Return on Equity (ROE) | 12.4811% | 1,267 |
| Retained earnings to average equity (ytd only) | 4.7226% | 2,820 |
| Net charge-offs to loans | 0.0064% | 4,797 |
| Credit loss provision to net charge-offs | 4,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 321.2000% | 173 |
| Efficiency ratio | 66.4438% | 4,169 |
| Assets per employee ($millions) | 5.7360% | 1,574 |
| Cash dividends to net income (ytd only)* | 62.1622% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 2,772 |
| Loan loss allowance to noncurrent loans | 441.4815% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 4,938 |
| Noncurrent loans to loans | 0.3251% | 4,673 |
| Net loans and leases to total assets | 67.9595% | 2,558 |
| Net loans and leases to deposits | 75.3586% | 3,271 |
| Net loans and leases to core deposits | 77.4365% | 3,572 |
| Total domestic deposits to total assets | 90.1816% | 658 |
| Equity capital to assets | 9.7346% | 4,427 |
| Core capital (leverage) ratio | 10.0863% | 3,455 |
| Tier 1 risk-based capital ratio | 16.3117% | 2,806 |
| Total risk-based capital ratio | 17.5666% | 2,748 |
| Memoranda: | ||
| Average total assets | $114,404,800 | 4,288 |
| Average earning assets | $109,414,000 | 4,196 |
| Average equity | $11,265,000 | 4,508 |
| Average total loans | $77,932,600 | 3,934 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 3,102 |
| Cost of funding earning assets | 0.4557% | 3,180 |
| Net interest margin | 3.7106% | 2,985 |
| Noninterest income to average assets | 0.6189% | 2,755 |
| Noninterest expense to average assets | 2.7884% | 3,506 |
| Loan and lease loss provision to assets | 0.1713% | 1,436 |
| Net operating income to assets | 1.2271% | 1,588 |
| Return on assets (ROA) | 1.2271% | 1,651 |
| Pretax return on assets | 1.2271% | 2,668 |
| Return on Equity (ROE) | 12.4245% | 1,358 |
| Retained earnings to average equity (ytd only) | 1.9730% | 5,073 |
| Net charge-offs to loans | -0.0678% | 6,025 |
| Credit loss provision to net charge-offs | -371.7949% | 5,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6008% | 4,118 |
| Assets per employee ($millions) | 5.4814% | 1,744 |
| Cash dividends to net income (ytd only)* | 84.1190% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 2,727 |
| Loan loss allowance to noncurrent loans | 3,107.8947% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 5,832 |
| Noncurrent loans to loans | 0.0482% | 5,819 |
| Net loans and leases to total assets | 67.5024% | 2,611 |
| Net loans and leases to deposits | 75.3123% | 3,273 |
| Net loans and leases to core deposits | 77.9147% | 3,547 |
| Total domestic deposits to total assets | 89.6299% | 922 |
| Equity capital to assets | 9.8601% | 4,340 |
| Core capital (leverage) ratio | 9.8134% | 3,922 |
| Tier 1 risk-based capital ratio | 16.5231% | 2,808 |
| Total risk-based capital ratio | 17.7786% | 2,755 |
| Memoranda: | ||
| Average total assets | $112,891,750 | 4,362 |
| Average earning assets | $108,551,500 | 4,255 |
| Average equity | $11,149,750 | 4,564 |
| Average total loans | $76,652,250 | 4,003 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,231 |
| Cost of funding earning assets | 0.4595% | 3,221 |
| Net interest margin | 3.6701% | 3,068 |
| Noninterest income to average assets | 0.5992% | 2,816 |
| Noninterest expense to average assets | 2.7891% | 3,547 |
| Loan and lease loss provision to assets | 0.2407% | 933 |
| Net operating income to assets | 1.1056% | 1,923 |
| Return on assets (ROA) | 1.1056% | 1,990 |
| Pretax return on assets | 1.1163% | 3,030 |
| Return on Equity (ROE) | 11.1883% | 1,675 |
| Retained earnings to average equity (ytd only) | -1.6963% | 5,947 |
| Net charge-offs to loans | -0.0474% | 5,849 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2688% | 4,151 |
| Assets per employee ($millions) | 5.4219% | 1,768 |
| Cash dividends to net income (ytd only)* | 115.1613% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 3,022 |
| Loan loss allowance to noncurrent loans | 2,804.8780% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 5,900 |
| Noncurrent loans to loans | 0.0524% | 5,883 |
| Net loans and leases to total assets | 67.6559% | 2,471 |
| Net loans and leases to deposits | 75.2672% | 3,156 |
| Net loans and leases to core deposits | 77.8835% | 3,454 |
| Total domestic deposits to total assets | 89.8876% | 863 |
| Equity capital to assets | 9.7479% | 4,431 |
| Core capital (leverage) ratio | 9.8661% | 3,789 |
| Tier 1 risk-based capital ratio | 16.6929% | 2,747 |
| Total risk-based capital ratio | 17.9489% | 2,709 |
| Memoranda: | ||
| Average total assets | $112,152,330 | 4,409 |
| Average earning assets | $108,388,000 | 4,281 |
| Average equity | $11,083,000 | 4,590 |
| Average total loans | $75,908,670 | 4,048 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,370 |
| Cost of funding earning assets | 0.4680% | 3,247 |
| Net interest margin | 3.6091% | 3,216 |
| Noninterest income to average assets | 0.6397% | 2,519 |
| Noninterest expense to average assets | 2.7781% | 3,648 |
| Loan and lease loss provision to assets | 0.2444% | 888 |
| Net operating income to assets | 1.0458% | 2,024 |
| Return on assets (ROA) | 1.0458% | 2,095 |
| Pretax return on assets | 1.0818% | 2,992 |
| Return on Equity (ROE) | 10.5102% | 1,861 |
| Retained earnings to average equity (ytd only) | -6.6095% | 6,214 |
| Net charge-offs to loans | -0.1284% | 6,221 |
| Credit loss provision to net charge-offs | -283.3333% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6883% | 4,226 |
| Assets per employee ($millions) | 5.3517% | 1,859 |
| Cash dividends to net income (ytd only)* | 162.8866% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 3,484 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 4,902 |
| Noncurrent loans to loans | 0.1178% | 5,767 |
| Net loans and leases to total assets | 67.0128% | 2,394 |
| Net loans and leases to deposits | 74.4656% | 3,013 |
| Net loans and leases to core deposits | 77.3902% | 3,265 |
| Total domestic deposits to total assets | 89.9916% | 1,081 |
| Equity capital to assets | 9.7646% | 4,148 |
| Core capital (leverage) ratio | 10.0352% | 3,520 |
| Tier 1 risk-based capital ratio | 16.6908% | 2,817 |
| Total risk-based capital ratio | 17.9463% | 2,777 |
| Memoranda: | ||
| Average total assets | $111,298,500 | 4,458 |
| Average earning assets | $106,842,500 | 4,345 |
| Average equity | $11,075,000 | 4,596 |
| Average total loans | $74,771,500 | 4,110 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 3,133 |
| Cost of funding earning assets | 0.5273% | 3,324 |
| Net interest margin | 3.7274% | 2,947 |
| Noninterest income to average assets | 0.6530% | 2,794 |
| Noninterest expense to average assets | 2.7403% | 3,947 |
| Loan and lease loss provision to assets | 0.4282% | 687 |
| Net operating income to assets | 0.4514% | 4,945 |
| Return on assets (ROA) | 0.4514% | 5,074 |
| Pretax return on assets | 1.0784% | 3,040 |
| Return on Equity (ROE) | 4.5596% | 4,861 |
| Retained earnings to average equity (ytd only) | 1.5860% | 5,090 |
| Net charge-offs to loans | 0.8373% | 737 |
| Credit loss provision to net charge-offs | 76.6773% | 3,125 |
| Earnings coverage of net charge-offs (x) | 2.6981% | 4,098 |
| Efficiency ratio | 64.5243% | 4,814 |
| Assets per employee ($millions) | 5.2481% | 1,905 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,832 |
| Loan loss allowance to noncurrent loans | 536.0215% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 4,683 |
| Noncurrent loans to loans | 0.2543% | 5,417 |
| Net loans and leases to total assets | 65.4599% | 2,780 |
| Net loans and leases to deposits | 72.9221% | 3,407 |
| Net loans and leases to core deposits | 75.8684% | 3,620 |
| Total domestic deposits to total assets | 89.7669% | 1,203 |
| Equity capital to assets | 10.1405% | 3,580 |
| Core capital (leverage) ratio | 10.0373% | 3,510 |
| Tier 1 risk-based capital ratio | 17.5353% | 2,397 |
| Total risk-based capital ratio | 18.7890% | 2,377 |
| Memoranda: | ||
| Average total assets | $112,105,400 | 4,456 |
| Average earning assets | $108,090,400 | 4,309 |
| Average equity | $11,097,400 | 4,615 |
| Average total loans | $74,765,200 | 4,102 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,989 |
| Cost of funding earning assets | 0.5436% | 3,337 |
| Net interest margin | 3.7581% | 2,811 |
| Noninterest income to average assets | 0.6834% | 2,718 |
| Noninterest expense to average assets | 2.7287% | 3,907 |
| Loan and lease loss provision to assets | 0.4619% | 610 |
| Net operating income to assets | 0.6466% | 4,143 |
| Return on assets (ROA) | 0.6466% | 4,262 |
| Pretax return on assets | 1.1121% | 3,062 |
| Return on Equity (ROE) | 6.5716% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.5997% | 4,773 |
| Net charge-offs to loans | 0.5942% | 1,052 |
| Credit loss provision to net charge-offs | 116.4179% | 2,025 |
| Earnings coverage of net charge-offs (x) | 3.9671% | 3,570 |
| Efficiency ratio | 63.4187% | 4,900 |
| Assets per employee ($millions) | 5.3544% | 1,789 |
| Cash dividends to net income (ytd only)* | 60.4398% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,895 |
| Loan loss allowance to noncurrent loans | 434.0580% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 4,351 |
| Noncurrent loans to loans | 0.3746% | 5,278 |
| Net loans and leases to total assets | 64.4593% | 2,925 |
| Net loans and leases to deposits | 72.0191% | 3,515 |
| Net loans and leases to core deposits | 75.3603% | 3,692 |
| Total domestic deposits to total assets | 89.5031% | 1,295 |
| Equity capital to assets | 9.9802% | 3,924 |
| Core capital (leverage) ratio | 9.9795% | 3,704 |
| Tier 1 risk-based capital ratio | 17.3800% | 2,547 |
| Total risk-based capital ratio | 18.6367% | 2,518 |
| Memoranda: | ||
| Average total assets | $112,579,000 | 4,496 |
| Average earning assets | $108,420,500 | 4,347 |
| Average equity | $11,077,750 | 4,671 |
| Average total loans | $75,171,250 | 4,114 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,834 |
| Cost of funding earning assets | 0.5555% | 3,359 |
| Net interest margin | 3.7729% | 2,663 |
| Noninterest income to average assets | 0.7228% | 2,534 |
| Noninterest expense to average assets | 2.7205% | 3,959 |
| Loan and lease loss provision to assets | 0.5327% | 500 |
| Net operating income to assets | 0.6428% | 4,097 |
| Return on assets (ROA) | 0.6428% | 4,243 |
| Pretax return on assets | 1.1117% | 3,049 |
| Return on Equity (ROE) | 6.5641% | 3,845 |
| Retained earnings to average equity (ytd only) | 0.5803% | 5,669 |
| Net charge-offs to loans | 0.4625% | 1,429 |
| Credit loss provision to net charge-offs | 171.4286% | 1,375 |
| Earnings coverage of net charge-offs (x) | 5.2914% | 2,920 |
| Efficiency ratio | 62.3271% | 5,123 |
| Assets per employee ($millions) | 5.3316% | 1,761 |
| Cash dividends to net income (ytd only)* | 91.1602% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,873 |
| Loan loss allowance to noncurrent loans | 152.7711% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 3,861 |
| Noncurrent loans to loans | 1.0968% | 3,737 |
| Net loans and leases to total assets | 66.4553% | 2,511 |
| Net loans and leases to deposits | 74.0314% | 3,146 |
| Net loans and leases to core deposits | 76.9261% | 3,437 |
| Total domestic deposits to total assets | 89.7664% | 1,166 |
| Equity capital to assets | 9.8603% | 4,110 |
| Core capital (leverage) ratio | 9.9668% | 3,570 |
| Tier 1 risk-based capital ratio | 16.9287% | 2,739 |
| Total risk-based capital ratio | 18.1867% | 2,709 |
| Memoranda: | ||
| Average total assets | $112,624,330 | 4,517 |
| Average earning assets | $108,723,670 | 4,368 |
| Average equity | $11,029,670 | 4,711 |
| Average total loans | $75,669,000 | 4,114 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,939 |
| Cost of funding earning assets | 0.5726% | 3,356 |
| Net interest margin | 3.7144% | 2,796 |
| Noninterest income to average assets | 0.7649% | 2,277 |
| Noninterest expense to average assets | 2.6028% | 4,398 |
| Loan and lease loss provision to assets | 0.5312% | 504 |
| Net operating income to assets | 0.7153% | 3,620 |
| Return on assets (ROA) | 0.7153% | 3,756 |
| Pretax return on assets | 1.2146% | 2,518 |
| Return on Equity (ROE) | 7.3291% | 3,306 |
| Retained earnings to average equity (ytd only) | -4.6442% | 6,339 |
| Net charge-offs to loans | 0.2009% | 2,215 |
| Credit loss provision to net charge-offs | 394.7368% | 643 |
| Earnings coverage of net charge-offs (x) | 12.9737% | 1,561 |
| Efficiency ratio | 59.8534% | 5,607 |
| Assets per employee ($millions) | 5.3260% | 1,833 |
| Cash dividends to net income (ytd only)* | 163.3663% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 3,268 |
| Loan loss allowance to noncurrent loans | 122.6784% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1337% | 3,675 |
| Noncurrent loans to loans | 1.3296% | 3,571 |
| Net loans and leases to total assets | 67.6701% | 2,079 |
| Net loans and leases to deposits | 75.3502% | 2,726 |
| Net loans and leases to core deposits | 79.0456% | 2,920 |
| Total domestic deposits to total assets | 89.8075% | 1,158 |
| Equity capital to assets | 9.7946% | 4,430 |
| Core capital (leverage) ratio | 9.7805% | 3,685 |
| Tier 1 risk-based capital ratio | 16.5205% | 2,989 |
| Total risk-based capital ratio | 17.7784% | 2,943 |
| Memoranda: | ||
| Average total assets | $112,954,500 | 4,555 |
| Average earning assets | $108,981,000 | 4,397 |
| Average equity | $11,024,500 | 4,763 |
| Average total loans | $75,666,500 | 4,142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 3,504 |
| Cost of funding earning assets | 0.6864% | 3,602 |
| Net interest margin | 3.7885% | 3,277 |
| Noninterest income to average assets | 0.4916% | 3,955 |
| Noninterest expense to average assets | 2.7097% | 4,368 |
| Loan and lease loss provision to assets | 0.4059% | 1,594 |
| Net operating income to assets | 0.6116% | 4,185 |
| Return on assets (ROA) | 0.6116% | 4,445 |
| Pretax return on assets | 1.0103% | 3,518 |
| Return on Equity (ROE) | 6.0982% | 4,118 |
| Retained earnings to average equity (ytd only) | -1.9968% | 6,156 |
| Net charge-offs to loans | 0.6949% | 1,702 |
| Credit loss provision to net charge-offs | 88.0626% | 3,550 |
| Earnings coverage of net charge-offs (x) | 3.0724% | 3,899 |
| Efficiency ratio | 65.6756% | 4,567 |
| Assets per employee ($millions) | 5.4315% | 1,749 |
| Cash dividends to net income (ytd only)* | 132.7434% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,589 |
| Loan loss allowance to noncurrent loans | 277.4272% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 5,039 |
| Noncurrent loans to loans | 0.5538% | 5,143 |
| Net loans and leases to total assets | 64.2177% | 2,869 |
| Net loans and leases to deposits | 71.2224% | 3,537 |
| Net loans and leases to core deposits | 75.4862% | 3,603 |
| Total domestic deposits to total assets | 90.1650% | 868 |
| Equity capital to assets | 9.7263% | 4,560 |
| Core capital (leverage) ratio | 10.0033% | 3,390 |
| Tier 1 risk-based capital ratio | 16.9795% | 2,662 |
| Total risk-based capital ratio | 18.2357% | 2,626 |
| Memoranda: | ||
| Average total assets | $110,862,000 | 4,574 |
| Average earning assets | $106,347,200 | 4,436 |
| Average equity | $11,118,000 | 4,735 |
| Average total loans | $73,537,000 | 4,223 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 3,457 |
| Cost of funding earning assets | 0.7121% | 3,662 |
| Net interest margin | 3.8301% | 3,206 |
| Noninterest income to average assets | 0.6711% | 2,869 |
| Noninterest expense to average assets | 2.7293% | 4,252 |
| Loan and lease loss provision to assets | 0.4361% | 1,447 |
| Net operating income to assets | 0.6832% | 3,988 |
| Return on assets (ROA) | 0.6832% | 4,251 |
| Pretax return on assets | 1.1739% | 3,085 |
| Return on Equity (ROE) | 6.7600% | 3,927 |
| Retained earnings to average equity (ytd only) | -0.4315% | 6,166 |
| Net charge-offs to loans | 0.9310% | 1,163 |
| Credit loss provision to net charge-offs | 70.3125% | 3,893 |
| Earnings coverage of net charge-offs (x) | 2.5957% | 4,002 |
| Efficiency ratio | 62.8978% | 4,995 |
| Assets per employee ($millions) | 5.2613% | 1,869 |
| Cash dividends to net income (ytd only)* | 106.3831% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 4,256 |
| Loan loss allowance to noncurrent loans | 281.2834% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 4,966 |
| Noncurrent loans to loans | 0.5072% | 5,426 |
| Net loans and leases to total assets | 65.7881% | 2,690 |
| Net loans and leases to deposits | 73.7844% | 3,318 |
| Net loans and leases to core deposits | 78.6097% | 3,372 |
| Total domestic deposits to total assets | 89.1626% | 1,331 |
| Equity capital to assets | 10.2147% | 4,184 |
| Core capital (leverage) ratio | 10.2496% | 3,223 |
| Tier 1 risk-based capital ratio | 17.3918% | 2,580 |
| Total risk-based capital ratio | 18.6465% | 2,545 |
| Memoranda: | ||
| Average total assets | $110,062,000 | 4,637 |
| Average earning assets | $105,407,250 | 4,502 |
| Average equity | $11,124,000 | 4,779 |
| Average total loans | $73,323,500 | 4,282 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 3,321 |
| Cost of funding earning assets | 0.7479% | 3,617 |
| Net interest margin | 3.8612% | 3,085 |
| Noninterest income to average assets | 0.6841% | 2,752 |
| Noninterest expense to average assets | 2.7693% | 4,138 |
| Loan and lease loss provision to assets | 0.4913% | 1,295 |
| Net operating income to assets | 0.6459% | 4,133 |
| Return on assets (ROA) | 0.6459% | 4,385 |
| Pretax return on assets | 1.1245% | 3,212 |
| Return on Equity (ROE) | 6.4137% | 4,089 |
| Retained earnings to average equity (ytd only) | -4.4264% | 6,583 |
| Net charge-offs to loans | 0.9647% | 1,150 |
| Credit loss provision to net charge-offs | 76.4873% | 3,417 |
| Earnings coverage of net charge-offs (x) | 2.5156% | 3,754 |
| Efficiency ratio | 63.1535% | 5,059 |
| Assets per employee ($millions) | 5.2055% | 1,921 |
| Cash dividends to net income (ytd only)* | 169.0141% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,919 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 4,753 |
| Noncurrent loans to loans | 0.6405% | 5,231 |
| Net loans and leases to total assets | 66.3843% | 2,598 |
| Net loans and leases to deposits | 74.2536% | 3,249 |
| Net loans and leases to core deposits | 78.7089% | 3,415 |
| Total domestic deposits to total assets | 89.4022% | 1,273 |
| Equity capital to assets | 10.1267% | 4,153 |
| Core capital (leverage) ratio | 10.1122% | 3,254 |
| Tier 1 risk-based capital ratio | 17.0003% | 2,663 |
| Total risk-based capital ratio | 18.2561% | 2,625 |
| Memoranda: | ||
| Average total assets | $109,920,000 | 4,673 |
| Average earning assets | $105,356,330 | 4,522 |
| Average equity | $11,070,000 | 4,794 |
| Average total loans | $73,184,670 | 4,309 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 3,358 |
| Cost of funding earning assets | 0.7855% | 3,584 |
| Net interest margin | 3.8442% | 3,162 |
| Noninterest income to average assets | 0.7585% | 2,355 |
| Noninterest expense to average assets | 2.8125% | 3,982 |
| Loan and lease loss provision to assets | 0.6532% | 832 |
| Net operating income to assets | 0.5625% | 4,535 |
| Return on assets (ROA) | 0.5625% | 4,753 |
| Pretax return on assets | 0.9871% | 3,716 |
| Return on Equity (ROE) | 5.6007% | 4,500 |
| Retained earnings to average equity (ytd only) | -16.0795% | 6,992 |
| Net charge-offs to loans | 1.2943% | 787 |
| Credit loss provision to net charge-offs | 76.2712% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.9153% | 3,373 |
| Efficiency ratio | 63.1622% | 5,077 |
| Assets per employee ($millions) | 5.2463% | 1,931 |
| Cash dividends to net income (ytd only)* | 387.0968% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 3,888 |
| Loan loss allowance to noncurrent loans | 256.8233% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 4,536 |
| Noncurrent loans to loans | 0.6077% | 5,446 |
| Net loans and leases to total assets | 65.7227% | 2,518 |
| Net loans and leases to deposits | 73.1815% | 3,249 |
| Net loans and leases to core deposits | 78.0259% | 3,318 |
| Total domestic deposits to total assets | 89.8078% | 1,184 |
| Equity capital to assets | 9.8373% | 4,322 |
| Core capital (leverage) ratio | 9.8264% | 3,603 |
| Tier 1 risk-based capital ratio | 16.7109% | 2,806 |
| Total risk-based capital ratio | 17.9674% | 2,758 |
| Memoranda: | ||
| Average total assets | $110,222,500 | 4,702 |
| Average earning assets | $105,925,500 | 4,548 |
| Average equity | $11,070,000 | 4,810 |
| Average total loans | $72,932,500 | 4,352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 3,554 |
| Cost of funding earning assets | 0.9785% | 3,519 |
| Net interest margin | 3.8797% | 3,426 |
| Noninterest income to average assets | 0.6344% | 2,983 |
| Noninterest expense to average assets | 2.9261% | 3,861 |
| Loan and lease loss provision to assets | 0.4894% | 2,162 |
| Net operating income to assets | 0.6174% | 3,903 |
| Return on assets (ROA) | 0.6174% | 4,098 |
| Pretax return on assets | 0.9280% | 3,523 |
| Return on Equity (ROE) | 5.9158% | 3,911 |
| Retained earnings to average equity (ytd only) | -0.0361% | 5,848 |
| Net charge-offs to loans | 0.7459% | 2,289 |
| Credit loss provision to net charge-offs | 96.1183% | 3,749 |
| Earnings coverage of net charge-offs (x) | 2.7837% | 3,832 |
| Efficiency ratio | 67.3673% | 4,498 |
| Assets per employee ($millions) | 5.2511% | 1,883 |
| Cash dividends to net income (ytd only)* | 100.6098% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,319 |
| Loan loss allowance to noncurrent loans | 203.0354% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 4,272 |
| Noncurrent loans to loans | 0.8201% | 5,049 |
| Net loans and leases to total assets | 64.4809% | 3,084 |
| Net loans and leases to deposits | 71.9752% | 3,796 |
| Net loans and leases to core deposits | 76.9476% | 3,834 |
| Total domestic deposits to total assets | 89.5877% | 1,212 |
| Equity capital to assets | 10.2491% | 3,853 |
| Core capital (leverage) ratio | 10.3846% | 2,863 |
| Tier 1 risk-based capital ratio | 17.5879% | 2,353 |
| Total risk-based capital ratio | 18.8449% | 2,316 |
| Memoranda: | ||
| Average total assets | $106,249,200 | 4,724 |
| Average earning assets | $101,580,800 | 4,596 |
| Average equity | $11,089,000 | 4,757 |
| Average total loans | $72,528,400 | 4,395 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 3,439 |
| Cost of funding earning assets | 1.0181% | 3,542 |
| Net interest margin | 3.9093% | 3,338 |
| Noninterest income to average assets | 0.7120% | 2,531 |
| Noninterest expense to average assets | 3.0114% | 3,520 |
| Loan and lease loss provision to assets | 0.4307% | 2,321 |
| Net operating income to assets | 0.6170% | 4,018 |
| Return on assets (ROA) | 0.6170% | 4,193 |
| Pretax return on assets | 1.0059% | 3,375 |
| Return on Equity (ROE) | 5.8838% | 4,078 |
| Retained earnings to average equity (ytd only) | -2.0901% | 6,309 |
| Net charge-offs to loans | 0.5933% | 2,481 |
| Credit loss provision to net charge-offs | 105.2632% | 3,157 |
| Earnings coverage of net charge-offs (x) | 3.5108% | 3,413 |
| Efficiency ratio | 67.7015% | 4,376 |
| Assets per employee ($millions) | 5.0538% | 2,122 |
| Cash dividends to net income (ytd only)* | 135.5233% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 3,156 |
| Loan loss allowance to noncurrent loans | 113.0118% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 3,788 |
| Noncurrent loans to loans | 1.5337% | 3,981 |
| Net loans and leases to total assets | 66.3476% | 2,814 |
| Net loans and leases to deposits | 74.7423% | 3,553 |
| Net loans and leases to core deposits | 80.1690% | 3,610 |
| Total domestic deposits to total assets | 88.7684% | 1,568 |
| Equity capital to assets | 10.5004% | 3,704 |
| Core capital (leverage) ratio | 10.4264% | 2,962 |
| Tier 1 risk-based capital ratio | 17.3847% | 2,490 |
| Total risk-based capital ratio | 18.6429% | 2,457 |
| Memoranda: | ||
| Average total assets | $105,243,250 | 4,782 |
| Average earning assets | $100,577,750 | 4,659 |
| Average equity | $11,035,750 | 4,794 |
| Average total loans | $72,583,250 | 4,433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 3,411 |
| Cost of funding earning assets | 1.0372% | 3,685 |
| Net interest margin | 3.9091% | 3,266 |
| Noninterest income to average assets | 0.6861% | 2,625 |
| Noninterest expense to average assets | 3.0034% | 3,627 |
| Loan and lease loss provision to assets | 0.4478% | 2,187 |
| Net operating income to assets | 0.5755% | 4,182 |
| Return on assets (ROA) | 0.5755% | 4,306 |
| Pretax return on assets | 0.9624% | 3,385 |
| Return on Equity (ROE) | 5.4911% | 4,213 |
| Retained earnings to average equity (ytd only) | -6.5093% | 6,688 |
| Net charge-offs to loans | 0.8149% | 1,872 |
| Credit loss provision to net charge-offs | 79.1246% | 3,797 |
| Earnings coverage of net charge-offs (x) | 2.4916% | 3,578 |
| Efficiency ratio | 68.0484% | 4,501 |
| Assets per employee ($millions) | 4.9946% | 2,129 |
| Cash dividends to net income (ytd only)* | 218.5430% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 3,741 |
| Loan loss allowance to noncurrent loans | 726.8750% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 5,579 |
| Noncurrent loans to loans | 0.2184% | 6,468 |
| Net loans and leases to total assets | 68.7302% | 2,472 |
| Net loans and leases to deposits | 77.1434% | 3,272 |
| Net loans and leases to core deposits | 82.4006% | 3,446 |
| Total domestic deposits to total assets | 89.0940% | 1,481 |
| Equity capital to assets | 10.4350% | 3,596 |
| Core capital (leverage) ratio | 10.4069% | 2,825 |
| Tier 1 risk-based capital ratio | 17.1261% | 2,469 |
| Total risk-based capital ratio | 18.3835% | 2,444 |
| Memoranda: | ||
| Average total assets | $104,948,000 | 4,830 |
| Average earning assets | $100,073,330 | 4,706 |
| Average equity | $10,999,670 | 4,803 |
| Average total loans | $72,892,330 | 4,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 3,488 |
| Cost of funding earning assets | 1.0605% | 3,781 |
| Net interest margin | 3.8591% | 3,343 |
| Noninterest income to average assets | 0.6401% | 2,897 |
| Noninterest expense to average assets | 2.9263% | 3,964 |
| Loan and lease loss provision to assets | 0.2858% | 2,862 |
| Net operating income to assets | 0.6859% | 3,576 |
| Return on assets (ROA) | 0.6859% | 3,642 |
| Pretax return on assets | 1.1164% | 2,694 |
| Return on Equity (ROE) | 6.5294% | 3,615 |
| Retained earnings to average equity (ytd only) | -17.4118% | 7,101 |
| Net charge-offs to loans | 0.1375% | 3,689 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 14.7200% | 1,353 |
| Efficiency ratio | 67.6056% | 4,742 |
| Assets per employee ($millions) | 4.9778% | 2,198 |
| Cash dividends to net income (ytd only)* | 366.6667% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 3,151 |
| Loan loss allowance to noncurrent loans | 194.3598% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,716 |
| Noncurrent loans to loans | 0.9034% | 5,241 |
| Net loans and leases to total assets | 68.2426% | 2,499 |
| Net loans and leases to deposits | 76.4710% | 3,341 |
| Net loans and leases to core deposits | 81.4701% | 3,530 |
| Total domestic deposits to total assets | 89.2398% | 1,625 |
| Equity capital to assets | 10.3269% | 3,376 |
| Core capital (leverage) ratio | 10.3863% | 2,718 |
| Tier 1 risk-based capital ratio | 17.2048% | 2,402 |
| Total risk-based capital ratio | 18.4648% | 2,377 |
| Memoranda: | ||
| Average total assets | $104,978,500 | 4,868 |
| Average earning assets | $100,333,500 | 4,732 |
| Average equity | $11,027,000 | 4,795 |
| Average total loans | $72,712,500 | 4,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 2,914 |
| Cost of funding earning assets | 1.2399% | 4,288 |
| Net interest margin | 4.1051% | 2,536 |
| Noninterest income to average assets | 0.7062% | 2,808 |
| Noninterest expense to average assets | 3.0092% | 3,813 |
| Loan and lease loss provision to assets | 0.3842% | 3,811 |
| Net operating income to assets | 0.7378% | 3,059 |
| Return on assets (ROA) | 0.7397% | 3,176 |
| Pretax return on assets | 1.2519% | 2,075 |
| Return on Equity (ROE) | 6.9493% | 3,146 |
| Retained earnings to average equity (ytd only) | 0.8421% | 5,126 |
| Net charge-offs to loans | 0.3790% | 4,146 |
| Credit loss provision to net charge-offs | 139.7849% | 2,709 |
| Earnings coverage of net charge-offs (x) | 5.9427% | 2,489 |
| Efficiency ratio | 64.8207% | 5,197 |
| Assets per employee ($millions) | 5.0202% | 2,135 |
| Cash dividends to net income (ytd only)* | 87.8828% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 3,281 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 6,041 |
| Noncurrent loans to loans | 0.0343% | 7,046 |
| Net loans and leases to total assets | 67.9058% | 3,003 |
| Net loans and leases to deposits | 76.1707% | 3,813 |
| Net loans and leases to core deposits | 80.9592% | 4,067 |
| Total domestic deposits to total assets | 89.1495% | 1,570 |
| Equity capital to assets | 10.6797% | 2,982 |
| Core capital (leverage) ratio | 10.9695% | 2,183 |
| Tier 1 risk-based capital ratio | 17.9917% | 2,003 |
| Total risk-based capital ratio | 19.2501% | 1,960 |
| Memoranda: | ||
| Average total assets | $101,522,200 | 4,937 |
| Average earning assets | $97,342,800 | 4,797 |
| Average equity | $10,806,800 | 4,907 |
| Average total loans | $73,611,600 | 4,542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 2,722 |
| Cost of funding earning assets | 1.2782% | 4,379 |
| Net interest margin | 4.1567% | 2,377 |
| Noninterest income to average assets | 0.7187% | 2,715 |
| Noninterest expense to average assets | 3.0247% | 3,661 |
| Loan and lease loss provision to assets | 0.4177% | 3,398 |
| Net operating income to assets | 0.7321% | 3,276 |
| Return on assets (ROA) | 0.7346% | 3,421 |
| Pretax return on assets | 1.2690% | 2,260 |
| Return on Equity (ROE) | 6.9073% | 3,387 |
| Retained earnings to average equity (ytd only) | -1.3216% | 6,063 |
| Net charge-offs to loans | 0.3775% | 3,792 |
| Credit loss provision to net charge-offs | 150.7177% | 2,582 |
| Earnings coverage of net charge-offs (x) | 6.0718% | 2,608 |
| Efficiency ratio | 64.2535% | 5,200 |
| Assets per employee ($millions) | 4.8862% | 2,346 |
| Cash dividends to net income (ytd only)* | 119.1336% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 3,286 |
| Loan loss allowance to noncurrent loans | 328.8410% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 5,915 |
| Noncurrent loans to loans | 0.5055% | 6,188 |
| Net loans and leases to total assets | 70.3421% | 2,652 |
| Net loans and leases to deposits | 79.2103% | 3,598 |
| Net loans and leases to core deposits | 84.7030% | 3,848 |
| Total domestic deposits to total assets | 88.8042% | 1,506 |
| Equity capital to assets | 10.5341% | 3,480 |
| Core capital (leverage) ratio | 10.6313% | 2,563 |
| Tier 1 risk-based capital ratio | 17.0349% | 2,329 |
| Total risk-based capital ratio | 18.2935% | 2,287 |
| Memoranda: | ||
| Average total assets | $100,546,750 | 5,031 |
| Average earning assets | $96,484,500 | 4,874 |
| Average equity | $10,693,750 | 5,000 |
| Average total loans | $73,811,000 | 4,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 2,447 |
| Cost of funding earning assets | 1.3173% | 4,428 |
| Net interest margin | 4.2008% | 2,155 |
| Noninterest income to average assets | 0.7451% | 2,431 |
| Noninterest expense to average assets | 3.0383% | 3,558 |
| Loan and lease loss provision to assets | 0.4807% | 2,903 |
| Net operating income to assets | 0.7392% | 3,242 |
| Return on assets (ROA) | 0.7430% | 3,371 |
| Pretax return on assets | 1.2558% | 2,239 |
| Return on Equity (ROE) | 6.9637% | 3,316 |
| Retained earnings to average equity (ytd only) | -5.4245% | 6,600 |
| Net charge-offs to loans | 0.4490% | 3,186 |
| Credit loss provision to net charge-offs | 144.5783% | 2,748 |
| Earnings coverage of net charge-offs (x) | 5.2048% | 2,725 |
| Efficiency ratio | 63.7127% | 5,385 |
| Assets per employee ($millions) | 4.6869% | 2,603 |
| Cash dividends to net income (ytd only)* | 177.8976% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,403 |
| Loan loss allowance to noncurrent loans | 322.8261% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 5,914 |
| Noncurrent loans to loans | 0.4987% | 6,253 |
| Net loans and leases to total assets | 73.7676% | 1,962 |
| Net loans and leases to deposits | 83.2015% | 3,034 |
| Net loans and leases to core deposits | 88.4230% | 3,493 |
| Total domestic deposits to total assets | 88.6613% | 1,638 |
| Equity capital to assets | 10.7860% | 3,086 |
| Core capital (leverage) ratio | 10.7471% | 2,434 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,413 |
| Total risk-based capital ratio | 17.9332% | 2,355 |
| Memoranda: | ||
| Average total assets | $99,859,000 | 5,077 |
| Average earning assets | $95,648,000 | 4,939 |
| Average equity | $10,655,330 | 5,012 |
| Average total loans | $73,948,670 | 4,641 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 2,625 |
| Cost of funding earning assets | 1.3472% | 4,518 |
| Net interest margin | 4.1451% | 2,253 |
| Noninterest income to average assets | 0.7636% | 2,216 |
| Noninterest expense to average assets | 2.9391% | 3,912 |
| Loan and lease loss provision to assets | 0.6562% | 1,933 |
| Net operating income to assets | 0.6764% | 3,543 |
| Return on assets (ROA) | 0.6841% | 3,622 |
| Pretax return on assets | 1.1573% | 2,524 |
| Return on Equity (ROE) | 6.4450% | 3,639 |
| Retained earnings to average equity (ytd only) | -18.2857% | 7,317 |
| Net charge-offs to loans | 0.8537% | 1,833 |
| Credit loss provision to net charge-offs | 104.4304% | 3,284 |
| Earnings coverage of net charge-offs (x) | 2.8671% | 3,115 |
| Efficiency ratio | 61.9966% | 5,833 |
| Assets per employee ($millions) | 4.7330% | 2,597 |
| Cash dividends to net income (ytd only)* | 383.7209% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 3,777 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 5,803 |
| Noncurrent loans to loans | 0.5171% | 6,255 |
| Net loans and leases to total assets | 72.8052% | 2,259 |
| Net loans and leases to deposits | 83.1397% | 3,086 |
| Net loans and leases to core deposits | 88.7597% | 3,527 |
| Total domestic deposits to total assets | 87.5697% | 2,322 |
| Equity capital to assets | 10.4896% | 3,253 |
| Core capital (leverage) ratio | 10.3800% | 2,736 |
| Tier 1 risk-based capital ratio | 16.2925% | 2,531 |
| Total risk-based capital ratio | 17.5481% | 2,492 |
| Memoranda: | ||
| Average total assets | $100,576,500 | 5,131 |
| Average earning assets | $96,499,500 | 4,969 |
| Average equity | $10,675,000 | 5,052 |
| Average total loans | $74,026,500 | 4,714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9341% | 2,109 |
| Cost of funding earning assets | 1.7037% | 4,487 |
| Net interest margin | 4.2304% | 1,973 |
| Noninterest income to average assets | 0.7519% | 2,667 |
| Noninterest expense to average assets | 3.0655% | 3,890 |
| Loan and lease loss provision to assets | 0.3700% | 4,568 |
| Net operating income to assets | 0.8265% | 2,426 |
| Return on assets (ROA) | 0.8265% | 2,513 |
| Pretax return on assets | 1.3965% | 1,447 |
| Return on Equity (ROE) | 7.7923% | 2,463 |
| Retained earnings to average equity (ytd only) | 1.4628% | 4,043 |
| Net charge-offs to loans | 0.3994% | 4,225 |
| Credit loss provision to net charge-offs | 122.3684% | 4,324 |
| Earnings coverage of net charge-offs (x) | 5.8421% | 2,488 |
| Efficiency ratio | 63.4417% | 5,884 |
| Assets per employee ($millions) | 4.8457% | 2,417 |
| Cash dividends to net income (ytd only)* | 81.2274% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,760 |
| Loan loss allowance to noncurrent loans | 263.9810% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 6,423 |
| Noncurrent loans to loans | 0.5659% | 6,114 |
| Net loans and leases to total assets | 72.1843% | 2,709 |
| Net loans and leases to deposits | 83.3209% | 3,396 |
| Net loans and leases to core deposits | 106.9651% | 3,219 |
| Total domestic deposits to total assets | 86.6341% | 2,686 |
| Equity capital to assets | 10.7352% | 2,941 |
| Core capital (leverage) ratio | 10.6711% | 2,454 |
| Tier 1 risk-based capital ratio | 16.5570% | 2,292 |
| Total risk-based capital ratio | 17.8125% | 2,238 |
| Memoranda: | ||
| Average total assets | $100,539,000 | 5,077 |
| Average earning assets | $96,964,800 | 4,927 |
| Average equity | $10,664,400 | 5,108 |
| Average total loans | $76,105,800 | 4,649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 2,059 |
| Cost of funding earning assets | 1.7673% | 4,541 |
| Net interest margin | 4.2275% | 1,949 |
| Noninterest income to average assets | 0.7143% | 2,924 |
| Noninterest expense to average assets | 3.0621% | 3,797 |
| Loan and lease loss provision to assets | 0.2421% | 5,023 |
| Net operating income to assets | 0.8633% | 2,561 |
| Return on assets (ROA) | 0.8633% | 2,628 |
| Pretax return on assets | 1.4925% | 1,435 |
| Return on Equity (ROE) | 8.1637% | 2,573 |
| Retained earnings to average equity (ytd only) | -0.3271% | 5,297 |
| Net charge-offs to loans | 0.1133% | 5,548 |
| Credit loss provision to net charge-offs | 280.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 20.0625% | 1,255 |
| Efficiency ratio | 63.8380% | 5,787 |
| Assets per employee ($millions) | 4.8831% | 2,288 |
| Cash dividends to net income (ytd only)* | 104.0067% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 3,375 |
| Loan loss allowance to noncurrent loans | 146.2893% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 5,269 |
| Noncurrent loans to loans | 1.0331% | 5,243 |
| Net loans and leases to total assets | 73.9054% | 2,553 |
| Net loans and leases to deposits | 86.5277% | 3,222 |
| Net loans and leases to core deposits | 111.3663% | 3,084 |
| Total domestic deposits to total assets | 85.4124% | 3,020 |
| Equity capital to assets | 10.4694% | 3,548 |
| Core capital (leverage) ratio | 10.4751% | 2,813 |
| Tier 1 risk-based capital ratio | 15.9677% | 2,640 |
| Total risk-based capital ratio | 17.2230% | 2,571 |
| Memoranda: | ||
| Average total assets | $100,234,000 | 5,119 |
| Average earning assets | $96,792,500 | 4,962 |
| Average equity | $10,599,500 | 5,165 |
| Average total loans | $76,490,250 | 4,672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0414% | 2,012 |
| Cost of funding earning assets | 1.8305% | 4,603 |
| Net interest margin | 4.2108% | 1,952 |
| Noninterest income to average assets | 0.6897% | 3,059 |
| Noninterest expense to average assets | 3.0122% | 4,036 |
| Loan and lease loss provision to assets | 0.1206% | 5,914 |
| Net operating income to assets | 0.9571% | 2,256 |
| Return on assets (ROA) | 0.9571% | 2,355 |
| Pretax return on assets | 1.6227% | 1,162 |
| Return on Equity (ROE) | 9.0203% | 2,353 |
| Retained earnings to average equity (ytd only) | -3.7711% | 6,093 |
| Net charge-offs to loans | 0.0760% | 5,447 |
| Credit loss provision to net charge-offs | 206.8966% | 2,207 |
| Earnings coverage of net charge-offs (x) | 29.8966% | 1,003 |
| Efficiency ratio | 63.3404% | 6,038 |
| Assets per employee ($millions) | 4.8097% | 2,306 |
| Cash dividends to net income (ytd only)* | 141.8067% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,798 |
| Loan loss allowance to noncurrent loans | 117.3203% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 4,892 |
| Noncurrent loans to loans | 1.1824% | 4,854 |
| Net loans and leases to total assets | 75.7980% | 2,228 |
| Net loans and leases to deposits | 89.8791% | 2,850 |
| Net loans and leases to core deposits | 114.8965% | 2,820 |
| Total domestic deposits to total assets | 84.3333% | 3,579 |
| Equity capital to assets | 10.4451% | 3,473 |
| Core capital (leverage) ratio | 10.4754% | 2,830 |
| Tier 1 risk-based capital ratio | 15.6935% | 2,732 |
| Total risk-based capital ratio | 16.9474% | 2,666 |
| Memoranda: | ||
| Average total assets | $99,463,330 | 5,180 |
| Average earning assets | $96,038,000 | 5,005 |
| Average equity | $10,554,000 | 5,199 |
| Average total loans | $76,337,000 | 4,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0553% | 2,125 |
| Cost of funding earning assets | 1.8745% | 4,773 |
| Net interest margin | 4.1809% | 1,972 |
| Noninterest income to average assets | 0.6404% | 3,268 |
| Noninterest expense to average assets | 2.9384% | 4,019 |
| Loan and lease loss provision to assets | 0.0973% | 5,716 |
| Net operating income to assets | 0.9889% | 2,358 |
| Return on assets (ROA) | 0.9889% | 2,493 |
| Pretax return on assets | 1.6455% | 1,300 |
| Return on Equity (ROE) | 9.2459% | 2,625 |
| Retained earnings to average equity (ytd only) | -16.3319% | 7,502 |
| Net charge-offs to loans | 0.1638% | 3,656 |
| Credit loss provision to net charge-offs | 77.4194% | 4,232 |
| Earnings coverage of net charge-offs (x) | 13.8710% | 1,713 |
| Efficiency ratio | 62.7706% | 5,913 |
| Assets per employee ($millions) | 4.7806% | 2,318 |
| Cash dividends to net income (ytd only)* | 276.6393% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 3,787 |
| Loan loss allowance to noncurrent loans | 85.1639% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 3,971 |
| Noncurrent loans to loans | 1.5882% | 3,891 |
| Net loans and leases to total assets | 75.4804% | 2,396 |
| Net loans and leases to deposits | 87.2253% | 3,432 |
| Net loans and leases to core deposits | 111.4515% | 3,265 |
| Total domestic deposits to total assets | 86.5349% | 2,430 |
| Equity capital to assets | 10.2607% | 3,698 |
| Core capital (leverage) ratio | 10.5139% | 2,907 |
| Tier 1 risk-based capital ratio | 15.4740% | 2,865 |
| Total risk-based capital ratio | 16.7307% | 2,796 |
| Memoranda: | ||
| Average total assets | $98,693,000 | 5,217 |
| Average earning assets | $95,387,000 | 5,045 |
| Average equity | $10,556,000 | 5,224 |
| Average total loans | $75,687,500 | 4,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5514% | 2,711 |
| Cost of funding earning assets | 2.3904% | 4,759 |
| Net interest margin | 4.1610% | 2,458 |
| Noninterest income to average assets | 0.6790% | 3,256 |
| Noninterest expense to average assets | 3.0942% | 3,714 |
| Loan and lease loss provision to assets | 0.1072% | 6,005 |
| Net operating income to assets | 0.8692% | 3,134 |
| Return on assets (ROA) | 0.8692% | 2,986 |
| Pretax return on assets | 1.4714% | 1,761 |
| Return on Equity (ROE) | 7.8721% | 3,125 |
| Retained earnings to average equity (ytd only) | 1.4469% | 4,354 |
| Net charge-offs to loans | 0.0725% | 5,728 |
| Credit loss provision to net charge-offs | 188.8889% | 2,620 |
| Earnings coverage of net charge-offs (x) | 27.8148% | 1,231 |
| Efficiency ratio | 66.2168% | 5,083 |
| Assets per employee ($millions) | 4.6187% | 2,449 |
| Cash dividends to net income (ytd only)* | 81.6203% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 3,175 |
| Loan loss allowance to noncurrent loans | 134.4473% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 4,850 |
| Noncurrent loans to loans | 1.0435% | 4,493 |
| Net loans and leases to total assets | 75.7921% | 2,680 |
| Net loans and leases to deposits | 88.2255% | 3,769 |
| Net loans and leases to core deposits | 112.9145% | 3,456 |
| Total domestic deposits to total assets | 85.9072% | 2,445 |
| Equity capital to assets | 11.1462% | 2,929 |
| Core capital (leverage) ratio | 11.1324% | 2,482 |
| Tier 1 risk-based capital ratio | 16.3819% | 2,524 |
| Total risk-based capital ratio | 17.6360% | 2,464 |
| Memoranda: | ||
| Average total assets | $95,145,800 | 5,193 |
| Average earning assets | $91,323,800 | 5,045 |
| Average equity | $10,505,400 | 5,262 |
| Average total loans | $74,444,800 | 4,717 |