Home > Security Bank > Performance and Condition Ratios
Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,259 |
| Cost of funding earning assets | 0.9261% | 3,466 |
| Net interest margin | 2.7908% | 3,683 |
| Noninterest income to average assets | 1.6800% | 327 |
| Noninterest expense to average assets | 3.5091% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5517% | 3,561 |
| Return on assets (ROA) | 0.5986% | 3,436 |
| Pretax return on assets | 0.6910% | 3,461 |
| Return on Equity (ROE) | 7.5800% | 3,136 |
| Retained earnings to average equity (ytd only) | 1.9824% | 3,579 |
| Net charge-offs to loans | -0.0218% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.6343% | 634 |
| Assets per employee ($millions) | 2.6623% | 4,416 |
| Cash dividends to net income (ytd only)* | 73.8552% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 553 |
| Loan loss allowance to noncurrent loans | 283.2930% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 2,269 |
| Noncurrent loans to loans | 0.6303% | 1,251 |
| Net loans and leases to total assets | 29.8400% | 4,296 |
| Net loans and leases to deposits | 34.8750% | 4,289 |
| Net loans and leases to core deposits | 38.5077% | 4,306 |
| Total domestic deposits to total assets | 85.5700% | 2,142 |
| Equity capital to assets | 8.8843% | 2,757 |
| Core capital (leverage) ratio | 10.4367% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5602% | 1,381 |
| Memoranda: | ||
| Average total assets | $226,186,200 | 2,808 |
| Average earning assets | $200,191,200 | 2,867 |
| Average equity | $17,857,400 | 3,024 |
| Average total loans | $64,306,200 | 3,641 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,257 |
| Cost of funding earning assets | 0.8569% | 3,381 |
| Net interest margin | 2.7999% | 3,723 |
| Noninterest income to average assets | 1.6500% | 355 |
| Noninterest expense to average assets | 3.4594% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5798% | 3,598 |
| Return on assets (ROA) | 0.6410% | 3,443 |
| Pretax return on assets | 0.7412% | 3,468 |
| Return on Equity (ROE) | 8.3700% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.5630% | 3,078 |
| Net charge-offs to loans | -0.0521% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.7731% | 626 |
| Assets per employee ($millions) | 2.6628% | 4,436 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 558 |
| Loan loss allowance to noncurrent loans | 270.8716% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,241 |
| Noncurrent loans to loans | 0.6686% | 1,235 |
| Net loans and leases to total assets | 30.0600% | 4,312 |
| Net loans and leases to deposits | 35.1029% | 4,310 |
| Net loans and leases to core deposits | 38.5089% | 4,288 |
| Total domestic deposits to total assets | 85.6300% | 2,303 |
| Equity capital to assets | 7.9785% | 3,070 |
| Core capital (leverage) ratio | 10.4041% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1437% | 1,283 |
| Memoranda: | ||
| Average total assets | $228,820,500 | 2,806 |
| Average earning assets | $202,907,000 | 2,858 |
| Average equity | $17,532,000 | 3,037 |
| Average total loans | $64,000,750 | 3,652 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4925% | 4,354 |
| Cost of funding earning assets | 0.7691% | 3,303 |
| Net interest margin | 2.7234% | 3,940 |
| Noninterest income to average assets | 1.6300% | 298 |
| Noninterest expense to average assets | 3.3748% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5866% | 3,616 |
| Return on assets (ROA) | 0.6895% | 3,366 |
| Pretax return on assets | 0.8006% | 3,396 |
| Return on Equity (ROE) | 9.1100% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.4668% | 3,361 |
| Net charge-offs to loans | -0.0849% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.2104% | 643 |
| Assets per employee ($millions) | 2.7104% | 4,470 |
| Cash dividends to net income (ytd only)* | 61.9579% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 551 |
| Loan loss allowance to noncurrent loans | 260.0000% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 2,180 |
| Noncurrent loans to loans | 0.7096% | 1,052 |
| Net loans and leases to total assets | 27.9800% | 4,360 |
| Net loans and leases to deposits | 31.8720% | 4,374 |
| Net loans and leases to core deposits | 35.1851% | 4,345 |
| Total domestic deposits to total assets | 87.7800% | 1,680 |
| Equity capital to assets | 7.9338% | 3,256 |
| Core capital (leverage) ratio | 9.8613% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8091% | 842 |
| Memoranda: | ||
| Average total assets | $234,086,333 | 2,791 |
| Average earning assets | $208,562,000 | 2,833 |
| Average equity | $17,710,667 | 3,046 |
| Average total loans | $63,596,333 | 3,663 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 4,341 |
| Cost of funding earning assets | 0.7042% | 3,043 |
| Net interest margin | 2.7303% | 4,036 |
| Noninterest income to average assets | 1.6200% | 299 |
| Noninterest expense to average assets | 3.3103% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6340% | 3,625 |
| Return on assets (ROA) | 0.8297% | 3,049 |
| Pretax return on assets | 0.9839% | 3,043 |
| Return on Equity (ROE) | 11.2200% | 2,436 |
| Retained earnings to average equity (ytd only) | 11.2232% | 1,425 |
| Net charge-offs to loans | -0.1705% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.5105% | 739 |
| Assets per employee ($millions) | 2.8622% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 541 |
| Loan loss allowance to noncurrent loans | 244.9275% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 2,110 |
| Noncurrent loans to loans | 0.7735% | 997 |
| Net loans and leases to total assets | 26.1000% | 4,447 |
| Net loans and leases to deposits | 30.1621% | 4,445 |
| Net loans and leases to core deposits | 33.6797% | 4,399 |
| Total domestic deposits to total assets | 86.5400% | 2,429 |
| Equity capital to assets | 7.8109% | 3,377 |
| Core capital (leverage) ratio | 9.3665% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5405% | 901 |
| Memoranda: | ||
| Average total assets | $238,648,500 | 2,803 |
| Average earning assets | $213,014,000 | 2,838 |
| Average equity | $17,642,000 | 3,073 |
| Average total loans | $63,334,500 | 3,708 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0062% | 4,126 |
| Cost of funding earning assets | 0.4402% | 1,788 |
| Net interest margin | 2.5660% | 4,213 |
| Noninterest income to average assets | 1.5600% | 332 |
| Noninterest expense to average assets | 3.1319% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7114% | 3,584 |
| Return on assets (ROA) | 0.6404% | 3,729 |
| Pretax return on assets | 0.6573% | 3,935 |
| Return on Equity (ROE) | 8.1700% | 3,341 |
| Retained earnings to average equity (ytd only) | 3.0387% | 3,708 |
| Net charge-offs to loans | 0.0140% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 201.7778% | 643 |
| Efficiency ratio | 81.0873% | 647 |
| Assets per employee ($millions) | 2.9229% | 4,539 |
| Cash dividends to net income (ytd only)* | 62.8141% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 663 |
| Loan loss allowance to noncurrent loans | 75.0162% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 786 |
| Noncurrent loans to loans | 2.3994% | 198 |
| Net loans and leases to total assets | 26.0000% | 4,477 |
| Net loans and leases to deposits | 30.2671% | 4,470 |
| Net loans and leases to core deposits | 33.7840% | 4,419 |
| Total domestic deposits to total assets | 85.8900% | 2,763 |
| Equity capital to assets | 6.9876% | 3,676 |
| Core capital (leverage) ratio | 8.2054% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7727% | 1,169 |
| Memoranda: | ||
| Average total assets | $248,602,800 | 2,740 |
| Average earning assets | $223,304,600 | 2,786 |
| Average equity | $19,482,200 | 2,998 |
| Average total loans | $64,252,600 | 3,671 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8384% | 4,148 |
| Cost of funding earning assets | 0.3193% | 1,964 |
| Net interest margin | 2.5190% | 4,196 |
| Noninterest income to average assets | 1.5700% | 342 |
| Noninterest expense to average assets | 3.1245% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7005% | 3,569 |
| Return on assets (ROA) | 0.7005% | 3,528 |
| Pretax return on assets | 0.7080% | 3,785 |
| Return on Equity (ROE) | 8.7100% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.3956% | 2,956 |
| Net charge-offs to loans | 0.0083% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 332.0000% | 437 |
| Efficiency ratio | 81.5273% | 678 |
| Assets per employee ($millions) | 3.1756% | 4,542 |
| Cash dividends to net income (ytd only)* | 38.0518% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 679 |
| Loan loss allowance to noncurrent loans | 234.7475% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,305 |
| Noncurrent loans to loans | 0.7841% | 1,027 |
| Net loans and leases to total assets | 24.3900% | 4,537 |
| Net loans and leases to deposits | 27.8363% | 4,535 |
| Net loans and leases to core deposits | 33.7787% | 4,448 |
| Total domestic deposits to total assets | 87.6300% | 2,543 |
| Equity capital to assets | 6.2351% | 3,869 |
| Core capital (leverage) ratio | 8.7726% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8629% | 1,750 |
| Memoranda: | ||
| Average total assets | $250,103,500 | 2,748 |
| Average earning assets | $225,054,500 | 2,792 |
| Average equity | $20,114,750 | 2,983 |
| Average total loans | $64,259,500 | 3,685 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7010% | 4,139 |
| Cost of funding earning assets | 0.2507% | 2,259 |
| Net interest margin | 2.4503% | 4,159 |
| Noninterest income to average assets | 1.5700% | 319 |
| Noninterest expense to average assets | 3.1111% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6729% | 3,404 |
| Return on assets (ROA) | 0.6729% | 3,354 |
| Pretax return on assets | 0.6745% | 3,644 |
| Return on Equity (ROE) | 7.7717% | 3,083 |
| Retained earnings to average equity (ytd only) | 3.1291% | 3,404 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1831% | 786 |
| Assets per employee ($millions) | 3.1739% | 4,603 |
| Cash dividends to net income (ytd only)* | 59.7372% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 715 |
| Loan loss allowance to noncurrent loans | 218.3521% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 2,265 |
| Noncurrent loans to loans | 0.8552% | 996 |
| Net loans and leases to total assets | 24.1311% | 4,593 |
| Net loans and leases to deposits | 29.0369% | 4,573 |
| Net loans and leases to core deposits | 33.5065% | 4,493 |
| Total domestic deposits to total assets | 83.1048% | 3,864 |
| Equity capital to assets | 6.8894% | 3,825 |
| Core capital (leverage) ratio | 8.5743% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8185% | 1,477 |
| Memoranda: | ||
| Average total assets | $248,789,000 | 2,783 |
| Average earning assets | $224,956,000 | 2,825 |
| Average equity | $21,539,667 | 2,940 |
| Average total loans | $64,636,667 | 3,713 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6135% | 4,094 |
| Cost of funding earning assets | 0.2211% | 2,515 |
| Net interest margin | 2.3924% | 4,089 |
| Noninterest income to average assets | 1.5920% | 328 |
| Noninterest expense to average assets | 3.1483% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6628% | 3,184 |
| Return on assets (ROA) | 0.6628% | 3,165 |
| Pretax return on assets | 0.6238% | 3,568 |
| Return on Equity (ROE) | 6.9261% | 3,058 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,910 |
| Net charge-offs to loans | -0.0426% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4625% | 888 |
| Assets per employee ($millions) | 3.2225% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 805 |
| Loan loss allowance to noncurrent loans | 211.3514% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,336 |
| Noncurrent loans to loans | 0.8763% | 1,066 |
| Net loans and leases to total assets | 24.4164% | 4,607 |
| Net loans and leases to deposits | 31.6019% | 4,508 |
| Net loans and leases to core deposits | 33.1416% | 4,503 |
| Total domestic deposits to total assets | 77.2625% | 4,446 |
| Equity capital to assets | 8.3567% | 3,279 |
| Core capital (leverage) ratio | 9.1581% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9622% | 1,269 |
| Memoranda: | ||
| Average total assets | $246,227,000 | 2,805 |
| Average earning assets | $224,377,500 | 2,840 |
| Average equity | $23,563,000 | 2,866 |
| Average total loans | $65,736,000 | 3,703 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 4,019 |
| Cost of funding earning assets | 0.2422% | 3,028 |
| Net interest margin | 2.6773% | 3,916 |
| Noninterest income to average assets | 1.6334% | 423 |
| Noninterest expense to average assets | 3.1770% | 752 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7974% | 3,342 |
| Return on assets (ROA) | 0.9838% | 2,805 |
| Pretax return on assets | 1.0731% | 3,056 |
| Return on Equity (ROE) | 8.8413% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.0802% | 3,599 |
| Net charge-offs to loans | 0.0505% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 59.9118% | 1,172 |
| Efficiency ratio | 78.4922% | 908 |
| Assets per employee ($millions) | 3.0893% | 4,673 |
| Cash dividends to net income (ytd only)* | 65.1607% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 1,021 |
| Loan loss allowance to noncurrent loans | 191.9408% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 2,282 |
| Noncurrent loans to loans | 0.8923% | 1,136 |
| Net loans and leases to total assets | 28.1547% | 4,564 |
| Net loans and leases to deposits | 35.0668% | 4,502 |
| Net loans and leases to core deposits | 36.9092% | 4,497 |
| Total domestic deposits to total assets | 80.2887% | 4,191 |
| Equity capital to assets | 10.8677% | 1,886 |
| Core capital (leverage) ratio | 9.6133% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2055% | 1,215 |
| Memoranda: | ||
| Average total assets | $233,993,400 | 2,826 |
| Average earning assets | $210,993,800 | 2,865 |
| Average equity | $26,037,000 | 2,781 |
| Average total loans | $67,313,800 | 3,705 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 4,058 |
| Cost of funding earning assets | 0.2520% | 3,103 |
| Net interest margin | 2.7185% | 3,935 |
| Noninterest income to average assets | 1.6582% | 459 |
| Noninterest expense to average assets | 3.1922% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8385% | 3,420 |
| Return on assets (ROA) | 0.9996% | 2,974 |
| Pretax return on assets | 1.0917% | 3,210 |
| Return on Equity (ROE) | 8.9302% | 3,126 |
| Retained earnings to average equity (ytd only) | 5.0964% | 3,182 |
| Net charge-offs to loans | -0.0040% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6911% | 900 |
| Assets per employee ($millions) | 3.0237% | 4,751 |
| Cash dividends to net income (ytd only)* | 42.9307% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 762 |
| Loan loss allowance to noncurrent loans | 166.1602% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 2,195 |
| Noncurrent loans to loans | 1.1463% | 978 |
| Net loans and leases to total assets | 26.9611% | 4,681 |
| Net loans and leases to deposits | 33.3572% | 4,640 |
| Net loans and leases to core deposits | 36.1886% | 4,608 |
| Total domestic deposits to total assets | 80.8253% | 4,118 |
| Equity capital to assets | 11.3034% | 1,810 |
| Core capital (leverage) ratio | 9.9128% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9449% | 1,142 |
| Memoranda: | ||
| Average total assets | $233,022,000 | 2,858 |
| Average earning assets | $210,058,250 | 2,900 |
| Average equity | $26,083,250 | 2,812 |
| Average total loans | $67,107,000 | 3,757 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0020% | 4,042 |
| Cost of funding earning assets | 0.2601% | 3,184 |
| Net interest margin | 2.7420% | 3,898 |
| Noninterest income to average assets | 1.6446% | 456 |
| Noninterest expense to average assets | 3.1611% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8677% | 3,311 |
| Return on assets (ROA) | 1.1004% | 2,612 |
| Pretax return on assets | 1.2311% | 2,825 |
| Return on Equity (ROE) | 9.8624% | 2,800 |
| Retained earnings to average equity (ytd only) | 4.1196% | 3,484 |
| Net charge-offs to loans | -0.0058% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5253% | 1,030 |
| Assets per employee ($millions) | 2.9324% | 4,794 |
| Cash dividends to net income (ytd only)* | 58.2298% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 838 |
| Loan loss allowance to noncurrent loans | 173.3429% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 2,336 |
| Noncurrent loans to loans | 1.0577% | 1,158 |
| Net loans and leases to total assets | 27.8048% | 4,706 |
| Net loans and leases to deposits | 36.3103% | 4,625 |
| Net loans and leases to core deposits | 38.4357% | 4,616 |
| Total domestic deposits to total assets | 76.5754% | 4,532 |
| Equity capital to assets | 11.3508% | 1,727 |
| Core capital (leverage) ratio | 9.3445% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2012% | 1,292 |
| Memoranda: | ||
| Average total assets | $234,096,667 | 2,852 |
| Average earning assets | $212,257,000 | 2,889 |
| Average equity | $26,119,333 | 2,802 |
| Average total loans | $68,423,000 | 3,757 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0366% | 4,009 |
| Cost of funding earning assets | 0.2680% | 3,296 |
| Net interest margin | 2.7686% | 3,833 |
| Noninterest income to average assets | 1.6216% | 533 |
| Noninterest expense to average assets | 3.1124% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8927% | 3,142 |
| Return on assets (ROA) | 1.1015% | 2,547 |
| Pretax return on assets | 1.2375% | 2,742 |
| Return on Equity (ROE) | 9.9572% | 2,697 |
| Retained earnings to average equity (ytd only) | 9.9572% | 1,654 |
| Net charge-offs to loans | -0.0057% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6299% | 1,169 |
| Assets per employee ($millions) | 3.1398% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 1,021 |
| Loan loss allowance to noncurrent loans | 305.8524% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,349 |
| Noncurrent loans to loans | 0.5594% | 2,181 |
| Net loans and leases to total assets | 28.5598% | 4,737 |
| Net loans and leases to deposits | 37.4099% | 4,647 |
| Net loans and leases to core deposits | 40.7966% | 4,598 |
| Total domestic deposits to total assets | 76.3429% | 4,563 |
| Equity capital to assets | 10.6050% | 2,170 |
| Core capital (leverage) ratio | 9.8083% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8360% | 1,625 |
| Memoranda: | ||
| Average total assets | $235,316,000 | 2,823 |
| Average earning assets | $211,945,000 | 2,877 |
| Average equity | $26,031,500 | 2,795 |
| Average total loans | $69,827,000 | 3,739 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 4,112 |
| Cost of funding earning assets | 0.5216% | 2,804 |
| Net interest margin | 2.9318% | 4,053 |
| Noninterest income to average assets | 1.3764% | 618 |
| Noninterest expense to average assets | 3.0334% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8992% | 2,704 |
| Return on assets (ROA) | 0.9895% | 2,474 |
| Pretax return on assets | 1.0742% | 2,799 |
| Return on Equity (ROE) | 8.8445% | 2,456 |
| Retained earnings to average equity (ytd only) | 2.8059% | 3,464 |
| Net charge-offs to loans | 0.0029% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1,083.5000% | 105 |
| Efficiency ratio | 75.6572% | 1,272 |
| Assets per employee ($millions) | 2.8255% | 4,851 |
| Cash dividends to net income (ytd only)* | 68.2749% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 978 |
| Loan loss allowance to noncurrent loans | 268.3036% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 3,291 |
| Noncurrent loans to loans | 0.6455% | 2,063 |
| Net loans and leases to total assets | 29.8000% | 4,755 |
| Net loans and leases to deposits | 37.0344% | 4,718 |
| Net loans and leases to core deposits | 42.7342% | 4,637 |
| Total domestic deposits to total assets | 80.4657% | 3,967 |
| Equity capital to assets | 11.5455% | 1,849 |
| Core capital (leverage) ratio | 9.4326% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,024,800 | 2,780 |
| Average earning assets | $199,400,400 | 2,826 |
| Average equity | $24,840,200 | 2,817 |
| Average total loans | $69,971,000 | 3,735 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,062 |
| Cost of funding earning assets | 0.5844% | 2,717 |
| Net interest margin | 2.9975% | 3,982 |
| Noninterest income to average assets | 1.3647% | 594 |
| Noninterest expense to average assets | 3.0707% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9036% | 2,691 |
| Return on assets (ROA) | 0.9737% | 2,570 |
| Pretax return on assets | 1.0615% | 2,874 |
| Return on Equity (ROE) | 8.7762% | 2,486 |
| Retained earnings to average equity (ytd only) | 6.0490% | 2,086 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7087% | 1,229 |
| Assets per employee ($millions) | 2.8697% | 4,868 |
| Cash dividends to net income (ytd only)* | 31.0752% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,053 |
| Loan loss allowance to noncurrent loans | 247.0226% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,355 |
| Noncurrent loans to loans | 0.6543% | 2,153 |
| Net loans and leases to total assets | 32.3019% | 4,784 |
| Net loans and leases to deposits | 45.1160% | 4,631 |
| Net loans and leases to core deposits | 51.3888% | 4,543 |
| Total domestic deposits to total assets | 71.5975% | 4,696 |
| Equity capital to assets | 11.5494% | 1,969 |
| Core capital (leverage) ratio | 9.8181% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6992% | 1,592 |
| Memoranda: | ||
| Average total assets | $220,313,750 | 2,779 |
| Average earning assets | $197,805,500 | 2,827 |
| Average equity | $24,444,250 | 2,837 |
| Average total loans | $70,112,500 | 3,749 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 3,956 |
| Cost of funding earning assets | 0.6538% | 2,673 |
| Net interest margin | 3.1112% | 3,877 |
| Noninterest income to average assets | 1.3365% | 575 |
| Noninterest expense to average assets | 3.0983% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9345% | 2,557 |
| Return on assets (ROA) | 0.9854% | 2,515 |
| Pretax return on assets | 1.0817% | 2,773 |
| Return on Equity (ROE) | 9.0091% | 2,360 |
| Retained earnings to average equity (ytd only) | 4.8188% | 2,562 |
| Net charge-offs to loans | -0.0757% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1278% | 1,353 |
| Assets per employee ($millions) | 2.9869% | 4,859 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 868 |
| Loan loss allowance to noncurrent loans | 245.3094% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,474 |
| Noncurrent loans to loans | 0.6827% | 2,165 |
| Net loans and leases to total assets | 30.1961% | 4,854 |
| Net loans and leases to deposits | 42.6335% | 4,731 |
| Net loans and leases to core deposits | 48.9671% | 4,644 |
| Total domestic deposits to total assets | 70.8271% | 4,760 |
| Equity capital to assets | 10.5429% | 2,713 |
| Core capital (leverage) ratio | 9.3791% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1714% | 1,735 |
| Memoranda: | ||
| Average total assets | $218,183,333 | 2,772 |
| Average earning assets | $195,485,333 | 2,825 |
| Average equity | $23,864,667 | 2,863 |
| Average total loans | $68,672,333 | 3,783 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 4,533 |
| Cost of funding earning assets | 0.7654% | 2,581 |
| Net interest margin | 2.8288% | 4,539 |
| Noninterest income to average assets | 1.3301% | 506 |
| Noninterest expense to average assets | 3.1068% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7153% | 3,225 |
| Return on assets (ROA) | 0.7719% | 3,087 |
| Pretax return on assets | 0.7854% | 3,449 |
| Return on Equity (ROE) | 6.9135% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.9135% | 1,572 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0241% | 1,038 |
| Assets per employee ($millions) | 2.7367% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 734 |
| Loan loss allowance to noncurrent loans | 177.4336% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 3,141 |
| Noncurrent loans to loans | 1.0048% | 1,650 |
| Net loans and leases to total assets | 30.6548% | 4,898 |
| Net loans and leases to deposits | 41.9753% | 4,800 |
| Net loans and leases to core deposits | 48.6379% | 4,707 |
| Total domestic deposits to total assets | 73.0307% | 4,722 |
| Equity capital to assets | 10.8889% | 2,956 |
| Core capital (leverage) ratio | 10.4027% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3394% | 1,803 |
| Memoranda: | ||
| Average total assets | $207,801,000 | 2,811 |
| Average earning assets | $183,964,000 | 2,882 |
| Average equity | $23,201,000 | 2,906 |
| Average total loans | $66,317,500 | 3,835 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 4,472 |
| Cost of funding earning assets | 0.9285% | 2,067 |
| Net interest margin | 2.9513% | 4,575 |
| Noninterest income to average assets | 1.4569% | 440 |
| Noninterest expense to average assets | 3.1527% | 1,635 |
| Loan and lease loss provision to assets | 0.0251% | 3,512 |
| Net operating income to assets | 0.8557% | 3,374 |
| Return on assets (ROA) | 0.9093% | 3,262 |
| Pretax return on assets | 0.9585% | 3,577 |
| Return on Equity (ROE) | 8.1849% | 3,087 |
| Retained earnings to average equity (ytd only) | 1.3943% | 4,246 |
| Net charge-offs to loans | 0.0016% | 3,658 |
| Credit loss provision to net charge-offs | 5,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 1,844.0000% | 38 |
| Efficiency ratio | 77.2710% | 1,233 |
| Assets per employee ($millions) | 2.5241% | 4,993 |
| Cash dividends to net income (ytd only)* | 82.9646% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 604 |
| Loan loss allowance to noncurrent loans | 164.3443% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 2,890 |
| Noncurrent loans to loans | 1.1235% | 1,347 |
| Net loans and leases to total assets | 32.0726% | 4,936 |
| Net loans and leases to deposits | 38.5461% | 4,931 |
| Net loans and leases to core deposits | 46.2754% | 4,831 |
| Total domestic deposits to total assets | 83.2057% | 3,136 |
| Equity capital to assets | 11.4643% | 2,559 |
| Core capital (leverage) ratio | 10.3853% | 3,085 |
| Tier 1 risk-based capital ratio | 17.2531% | 1,979 |
| Total risk-based capital ratio | 18.2679% | 1,987 |
| Memoranda: | ||
| Average total assets | $198,844,600 | 2,850 |
| Average earning assets | $176,737,600 | 2,918 |
| Average equity | $22,089,400 | 2,952 |
| Average total loans | $63,675,000 | 3,915 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 4,552 |
| Cost of funding earning assets | 0.9434% | 2,019 |
| Net interest margin | 2.9498% | 4,696 |
| Noninterest income to average assets | 1.4862% | 408 |
| Noninterest expense to average assets | 3.1610% | 1,551 |
| Loan and lease loss provision to assets | 0.0336% | 3,240 |
| Net operating income to assets | 0.8723% | 3,443 |
| Return on assets (ROA) | 0.9226% | 3,341 |
| Pretax return on assets | 0.9736% | 3,668 |
| Return on Equity (ROE) | 8.3724% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.3724% | 1,257 |
| Net charge-offs to loans | -0.0021% | 4,062 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8140% | 1,237 |
| Assets per employee ($millions) | 2.6002% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 666 |
| Loan loss allowance to noncurrent loans | 163.9456% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 3,002 |
| Noncurrent loans to loans | 1.1022% | 1,442 |
| Net loans and leases to total assets | 32.2857% | 5,015 |
| Net loans and leases to deposits | 40.3704% | 4,985 |
| Net loans and leases to core deposits | 49.7988% | 4,840 |
| Total domestic deposits to total assets | 79.9738% | 3,996 |
| Equity capital to assets | 11.8799% | 2,347 |
| Core capital (leverage) ratio | 10.8097% | 2,828 |
| Tier 1 risk-based capital ratio | 17.2831% | 2,001 |
| Total risk-based capital ratio | 18.2509% | 2,038 |
| Memoranda: | ||
| Average total assets | $198,705,500 | 2,875 |
| Average earning assets | $177,091,000 | 2,942 |
| Average equity | $21,896,750 | 2,993 |
| Average total loans | $63,304,750 | 3,965 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 4,629 |
| Cost of funding earning assets | 0.9365% | 1,977 |
| Net interest margin | 2.9202% | 4,803 |
| Noninterest income to average assets | 1.3794% | 459 |
| Noninterest expense to average assets | 3.1540% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7993% | 3,653 |
| Return on assets (ROA) | 0.8341% | 3,586 |
| Pretax return on assets | 0.8524% | 3,966 |
| Return on Equity (ROE) | 7.7772% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.7772% | 1,482 |
| Net charge-offs to loans | 0.0129% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 388 |
| Efficiency ratio | 79.4283% | 1,022 |
| Assets per employee ($millions) | 2.4217% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 631 |
| Loan loss allowance to noncurrent loans | 156.0380% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,672 |
| Noncurrent loans to loans | 1.1813% | 1,362 |
| Net loans and leases to total assets | 30.8381% | 5,089 |
| Net loans and leases to deposits | 36.9166% | 5,096 |
| Net loans and leases to core deposits | 46.4967% | 4,941 |
| Total domestic deposits to total assets | 83.5345% | 3,038 |
| Equity capital to assets | 11.5370% | 2,579 |
| Core capital (leverage) ratio | 10.6892% | 2,900 |
| Tier 1 risk-based capital ratio | 19.2174% | 1,505 |
| Total risk-based capital ratio | 20.2715% | 1,516 |
| Memoranda: | ||
| Average total assets | $197,336,000 | 2,894 |
| Average earning assets | $175,126,670 | 2,970 |
| Average equity | $21,164,330 | 3,048 |
| Average total loans | $62,178,000 | 4,008 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,762 |
| Cost of funding earning assets | 0.9139% | 1,943 |
| Net interest margin | 2.8471% | 4,939 |
| Noninterest income to average assets | 1.3563% | 463 |
| Noninterest expense to average assets | 3.1192% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7564% | 3,756 |
| Return on assets (ROA) | 0.7564% | 3,802 |
| Pretax return on assets | 0.7646% | 4,135 |
| Return on Equity (ROE) | 7.3331% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.3331% | 1,910 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3141% | 1,031 |
| Assets per employee ($millions) | 2.5624% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 647 |
| Loan loss allowance to noncurrent loans | 129.9550% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 2,491 |
| Noncurrent loans to loans | 1.4230% | 1,139 |
| Net loans and leases to total assets | 30.6448% | 5,141 |
| Net loans and leases to deposits | 36.5154% | 5,140 |
| Net loans and leases to core deposits | 45.3501% | 5,011 |
| Total domestic deposits to total assets | 83.9231% | 3,071 |
| Equity capital to assets | 10.4976% | 3,347 |
| Core capital (leverage) ratio | 10.5319% | 3,014 |
| Tier 1 risk-based capital ratio | 18.5568% | 1,643 |
| Total risk-based capital ratio | 19.6006% | 1,646 |
| Memoranda: | ||
| Average total assets | $196,714,500 | 2,933 |
| Average earning assets | $174,634,000 | 3,006 |
| Average equity | $20,291,500 | 3,131 |
| Average total loans | $62,073,000 | 4,045 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 4,473 |
| Cost of funding earning assets | 0.6475% | 2,411 |
| Net interest margin | 3.1603% | 4,556 |
| Noninterest income to average assets | 1.4654% | 424 |
| Noninterest expense to average assets | 3.1414% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0142% | 2,950 |
| Return on assets (ROA) | 1.0161% | 2,926 |
| Pretax return on assets | 1.1305% | 3,167 |
| Return on Equity (ROE) | 9.8571% | 2,575 |
| Retained earnings to average equity (ytd only) | 2.3249% | 4,226 |
| Net charge-offs to loans | -0.0307% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5726% | 1,694 |
| Assets per employee ($millions) | 2.5138% | 5,205 |
| Cash dividends to net income (ytd only)* | 76.4137% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8690% | 607 |
| Loan loss allowance to noncurrent loans | 127.0925% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,347 |
| Noncurrent loans to loans | 1.4706% | 1,045 |
| Net loans and leases to total assets | 31.3021% | 5,182 |
| Net loans and leases to deposits | 36.4434% | 5,188 |
| Net loans and leases to core deposits | 47.8715% | 4,990 |
| Total domestic deposits to total assets | 85.8926% | 2,289 |
| Equity capital to assets | 10.1268% | 3,549 |
| Core capital (leverage) ratio | 10.2868% | 3,258 |
| Tier 1 risk-based capital ratio | 18.6382% | 1,586 |
| Total risk-based capital ratio | 19.7060% | 1,582 |
| Memoranda: | ||
| Average total assets | $193,191,400 | 2,932 |
| Average earning assets | $171,439,200 | 3,008 |
| Average equity | $19,914,600 | 3,099 |
| Average total loans | $61,795,800 | 4,052 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,470 |
| Cost of funding earning assets | 0.5721% | 2,688 |
| Net interest margin | 3.2134% | 4,486 |
| Noninterest income to average assets | 1.4417% | 455 |
| Noninterest expense to average assets | 3.1244% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0443% | 2,895 |
| Return on assets (ROA) | 1.0468% | 2,891 |
| Pretax return on assets | 1.1745% | 3,098 |
| Return on Equity (ROE) | 10.1101% | 2,568 |
| Retained earnings to average equity (ytd only) | 10.1101% | 884 |
| Net charge-offs to loans | -0.1057% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7258% | 1,774 |
| Assets per employee ($millions) | 2.6251% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 681 |
| Loan loss allowance to noncurrent loans | 121.3115% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,390 |
| Noncurrent loans to loans | 1.5074% | 1,080 |
| Net loans and leases to total assets | 32.7207% | 5,228 |
| Net loans and leases to deposits | 38.4950% | 5,237 |
| Net loans and leases to core deposits | 51.5494% | 4,981 |
| Total domestic deposits to total assets | 84.9999% | 2,605 |
| Equity capital to assets | 10.3048% | 3,328 |
| Core capital (leverage) ratio | 10.9961% | 2,578 |
| Tier 1 risk-based capital ratio | 19.2845% | 1,477 |
| Total risk-based capital ratio | 20.3617% | 1,484 |
| Memoranda: | ||
| Average total assets | $193,098,000 | 2,957 |
| Average earning assets | $171,526,000 | 3,035 |
| Average equity | $19,992,750 | 3,110 |
| Average total loans | $61,808,750 | 4,089 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 4,388 |
| Cost of funding earning assets | 0.5029% | 2,993 |
| Net interest margin | 3.2777% | 4,317 |
| Noninterest income to average assets | 1.4301% | 464 |
| Noninterest expense to average assets | 3.1353% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0717% | 2,702 |
| Return on assets (ROA) | 1.0773% | 2,681 |
| Pretax return on assets | 1.2163% | 2,889 |
| Return on Equity (ROE) | 10.3881% | 2,387 |
| Retained earnings to average equity (ytd only) | 10.3881% | 821 |
| Net charge-offs to loans | -0.1611% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1519% | 1,978 |
| Assets per employee ($millions) | 2.6649% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 656 |
| Loan loss allowance to noncurrent loans | 120.3252% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 2,415 |
| Noncurrent loans to loans | 1.5636% | 1,049 |
| Net loans and leases to total assets | 31.7412% | 5,293 |
| Net loans and leases to deposits | 37.1669% | 5,301 |
| Net loans and leases to core deposits | 47.5434% | 5,113 |
| Total domestic deposits to total assets | 85.4017% | 2,528 |
| Equity capital to assets | 10.3462% | 3,285 |
| Core capital (leverage) ratio | 10.5931% | 2,931 |
| Tier 1 risk-based capital ratio | 19.4749% | 1,438 |
| Total risk-based capital ratio | 20.5879% | 1,428 |
| Memoranda: | ||
| Average total assets | $192,711,000 | 2,979 |
| Average earning assets | $171,399,330 | 3,049 |
| Average equity | $19,984,330 | 3,135 |
| Average total loans | $60,829,330 | 4,144 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6970% | 4,471 |
| Cost of funding earning assets | 0.4372% | 3,312 |
| Net interest margin | 3.2598% | 4,292 |
| Noninterest income to average assets | 1.4849% | 432 |
| Noninterest expense to average assets | 3.1512% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0761% | 2,541 |
| Return on assets (ROA) | 1.0761% | 2,552 |
| Pretax return on assets | 1.2263% | 2,658 |
| Return on Equity (ROE) | 10.3651% | 2,245 |
| Retained earnings to average equity (ytd only) | 8.8987% | 1,495 |
| Net charge-offs to loans | -0.3279% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9867% | 2,197 |
| Assets per employee ($millions) | 2.6787% | 5,342 |
| Cash dividends to net income (ytd only)* | 14.1473% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 553 |
| Loan loss allowance to noncurrent loans | 107.1493% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 2,268 |
| Noncurrent loans to loans | 1.8578% | 886 |
| Net loans and leases to total assets | 29.8121% | 5,369 |
| Net loans and leases to deposits | 36.3326% | 5,354 |
| Net loans and leases to core deposits | 42.8043% | 5,244 |
| Total domestic deposits to total assets | 82.0532% | 3,945 |
| Equity capital to assets | 10.1030% | 3,499 |
| Core capital (leverage) ratio | 10.5538% | 2,889 |
| Tier 1 risk-based capital ratio | 17.6733% | 1,923 |
| Total risk-based capital ratio | 18.7093% | 1,942 |
| Memoranda: | ||
| Average total assets | $191,798,500 | 3,018 |
| Average earning assets | $170,193,000 | 3,091 |
| Average equity | $19,913,000 | 3,167 |
| Average total loans | $59,778,000 | 4,204 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 4,716 |
| Cost of funding earning assets | 0.3849% | 3,385 |
| Net interest margin | 3.1545% | 4,557 |
| Noninterest income to average assets | 1.4646% | 491 |
| Noninterest expense to average assets | 3.0650% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9754% | 2,344 |
| Return on assets (ROA) | 0.9815% | 2,358 |
| Pretax return on assets | 1.1998% | 2,773 |
| Return on Equity (ROE) | 8.8424% | 2,387 |
| Retained earnings to average equity (ytd only) | 1.1324% | 4,576 |
| Net charge-offs to loans | 0.0089% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 445.8000% | 192 |
| Efficiency ratio | 71.9940% | 2,227 |
| Assets per employee ($millions) | 2.5761% | 5,426 |
| Cash dividends to net income (ytd only)* | 87.1935% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 660 |
| Loan loss allowance to noncurrent loans | 88.6027% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,913 |
| Noncurrent loans to loans | 2.1323% | 699 |
| Net loans and leases to total assets | 31.3429% | 5,404 |
| Net loans and leases to deposits | 37.1123% | 5,407 |
| Net loans and leases to core deposits | 44.8074% | 5,270 |
| Total domestic deposits to total assets | 84.4543% | 3,052 |
| Equity capital to assets | 10.6726% | 2,972 |
| Core capital (leverage) ratio | 10.5311% | 2,810 |
| Tier 1 risk-based capital ratio | 19.4510% | 1,423 |
| Total risk-based capital ratio | 20.5685% | 1,423 |
| Memoranda: | ||
| Average total assets | $186,950,600 | 3,052 |
| Average earning assets | $165,510,000 | 3,133 |
| Average equity | $20,752,200 | 3,059 |
| Average total loans | $56,055,200 | 4,288 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5000% | 4,815 |
| Cost of funding earning assets | 0.3712% | 3,452 |
| Net interest margin | 3.1288% | 4,626 |
| Noninterest income to average assets | 1.4520% | 508 |
| Noninterest expense to average assets | 3.0205% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0026% | 2,542 |
| Return on assets (ROA) | 1.0049% | 2,575 |
| Pretax return on assets | 1.2099% | 2,861 |
| Return on Equity (ROE) | 8.9661% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.9661% | 849 |
| Net charge-offs to loans | 0.0049% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 843.9251% | 120 |
| Efficiency ratio | 71.4479% | 2,292 |
| Assets per employee ($millions) | 2.4482% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 557 |
| Loan loss allowance to noncurrent loans | 83.8615% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 2,005 |
| Noncurrent loans to loans | 2.4007% | 655 |
| Net loans and leases to total assets | 29.3807% | 5,513 |
| Net loans and leases to deposits | 36.3468% | 5,489 |
| Net loans and leases to core deposits | 44.0923% | 5,362 |
| Total domestic deposits to total assets | 80.8344% | 4,091 |
| Equity capital to assets | 11.6351% | 2,245 |
| Core capital (leverage) ratio | 11.3813% | 2,117 |
| Tier 1 risk-based capital ratio | 19.8567% | 1,392 |
| Total risk-based capital ratio | 20.9366% | 1,397 |
| Memoranda: | ||
| Average total assets | $186,675,250 | 3,080 |
| Average earning assets | $165,596,000 | 3,158 |
| Average equity | $20,922,750 | 3,069 |
| Average total loans | $55,050,000 | 4,362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4579% | 4,856 |
| Cost of funding earning assets | 0.3459% | 3,622 |
| Net interest margin | 3.1120% | 4,647 |
| Noninterest income to average assets | 1.4275% | 530 |
| Noninterest expense to average assets | 3.0022% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9857% | 2,502 |
| Return on assets (ROA) | 0.9857% | 2,546 |
| Pretax return on assets | 1.1813% | 2,845 |
| Return on Equity (ROE) | 8.9091% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.9091% | 869 |
| Net charge-offs to loans | 0.0330% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 122.1111% | 570 |
| Efficiency ratio | 71.7626% | 2,387 |
| Assets per employee ($millions) | 2.5825% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 629 |
| Loan loss allowance to noncurrent loans | 77.9462% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 1,920 |
| Noncurrent loans to loans | 2.5366% | 584 |
| Net loans and leases to total assets | 29.7427% | 5,549 |
| Net loans and leases to deposits | 36.2764% | 5,534 |
| Net loans and leases to core deposits | 42.7566% | 5,430 |
| Total domestic deposits to total assets | 81.9892% | 3,892 |
| Equity capital to assets | 11.4338% | 2,384 |
| Core capital (leverage) ratio | 11.0649% | 2,345 |
| Tier 1 risk-based capital ratio | 21.0325% | 1,171 |
| Total risk-based capital ratio | 22.1966% | 1,167 |
| Memoranda: | ||
| Average total assets | $186,062,000 | 3,093 |
| Average earning assets | $164,783,670 | 3,180 |
| Average equity | $20,585,670 | 3,096 |
| Average total loans | $54,558,330 | 4,398 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3847% | 4,961 |
| Cost of funding earning assets | 0.3380% | 3,661 |
| Net interest margin | 3.0467% | 4,796 |
| Noninterest income to average assets | 1.3699% | 561 |
| Noninterest expense to average assets | 3.0233% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8938% | 2,795 |
| Return on assets (ROA) | 0.8938% | 2,840 |
| Pretax return on assets | 1.0388% | 3,202 |
| Return on Equity (ROE) | 8.2185% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.2185% | 1,367 |
| Net charge-offs to loans | 0.0301% | 2,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 457 |
| Efficiency ratio | 74.4273% | 2,159 |
| Assets per employee ($millions) | 2.6480% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0850% | 571 |
| Loan loss allowance to noncurrent loans | 76.8087% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 2,063 |
| Noncurrent loans to loans | 2.7146% | 553 |
| Net loans and leases to total assets | 27.5983% | 5,638 |
| Net loans and leases to deposits | 35.6530% | 5,591 |
| Net loans and leases to core deposits | 39.4825% | 5,536 |
| Total domestic deposits to total assets | 77.4079% | 5,054 |
| Equity capital to assets | 10.6010% | 3,066 |
| Core capital (leverage) ratio | 10.8998% | 2,479 |
| Tier 1 risk-based capital ratio | 19.0979% | 1,591 |
| Total risk-based capital ratio | 20.1865% | 1,590 |
| Memoranda: | ||
| Average total assets | $184,833,000 | 3,137 |
| Average earning assets | $163,325,500 | 3,226 |
| Average equity | $20,101,000 | 3,157 |
| Average total loans | $53,236,500 | 4,477 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,632 |
| Cost of funding earning assets | 0.3407% | 3,626 |
| Net interest margin | 3.2126% | 4,410 |
| Noninterest income to average assets | 1.5344% | 512 |
| Noninterest expense to average assets | 3.1716% | 1,860 |
| Loan and lease loss provision to assets | 0.0196% | 3,981 |
| Net operating income to assets | 1.0132% | 2,293 |
| Return on assets (ROA) | 1.0132% | 2,396 |
| Pretax return on assets | 1.1955% | 2,694 |
| Return on Equity (ROE) | 8.5834% | 2,623 |
| Retained earnings to average equity (ytd only) | 1.9516% | 4,426 |
| Net charge-offs to loans | 0.0415% | 3,202 |
| Credit loss provision to net charge-offs | 152.1739% | 1,797 |
| Earnings coverage of net charge-offs (x) | 94.4783% | 630 |
| Efficiency ratio | 72.3008% | 2,546 |
| Assets per employee ($millions) | 2.4495% | 5,680 |
| Cash dividends to net income (ytd only)* | 77.2627% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 474 |
| Loan loss allowance to noncurrent loans | 82.3699% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 2,034 |
| Noncurrent loans to loans | 2.6621% | 573 |
| Net loans and leases to total assets | 28.8318% | 5,662 |
| Net loans and leases to deposits | 35.7789% | 5,642 |
| Net loans and leases to core deposits | 39.8625% | 5,599 |
| Total domestic deposits to total assets | 80.5833% | 4,432 |
| Equity capital to assets | 11.1758% | 2,447 |
| Core capital (leverage) ratio | 10.7634% | 2,574 |
| Tier 1 risk-based capital ratio | 20.7026% | 1,260 |
| Total risk-based capital ratio | 21.9118% | 1,232 |
| Memoranda: | ||
| Average total assets | $178,836,400 | 3,174 |
| Average earning assets | $158,781,600 | 3,259 |
| Average equity | $21,110,400 | 3,056 |
| Average total loans | $55,440,400 | 4,419 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,678 |
| Cost of funding earning assets | 0.3380% | 3,675 |
| Net interest margin | 3.2128% | 4,459 |
| Noninterest income to average assets | 1.5394% | 516 |
| Noninterest expense to average assets | 3.1881% | 1,808 |
| Loan and lease loss provision to assets | 0.0260% | 3,721 |
| Net operating income to assets | 0.9993% | 2,436 |
| Return on assets (ROA) | 0.9993% | 2,574 |
| Pretax return on assets | 1.1784% | 2,925 |
| Return on Equity (ROE) | 8.3562% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.3562% | 1,026 |
| Net charge-offs to loans | 0.0450% | 2,746 |
| Credit loss provision to net charge-offs | 184.2105% | 1,525 |
| Earnings coverage of net charge-offs (x) | 85.3249% | 734 |
| Efficiency ratio | 72.5812% | 2,486 |
| Assets per employee ($millions) | 2.4702% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 730 |
| Loan loss allowance to noncurrent loans | 85.5647% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 2,367 |
| Noncurrent loans to loans | 2.3367% | 784 |
| Net loans and leases to total assets | 30.6759% | 5,702 |
| Net loans and leases to deposits | 37.9513% | 5,680 |
| Net loans and leases to core deposits | 44.9678% | 5,551 |
| Total domestic deposits to total assets | 80.8296% | 4,291 |
| Equity capital to assets | 12.2396% | 1,947 |
| Core capital (leverage) ratio | 11.4274% | 2,094 |
| Tier 1 risk-based capital ratio | 21.4388% | 1,203 |
| Total risk-based capital ratio | 22.6380% | 1,191 |
| Memoranda: | ||
| Average total assets | $179,454,500 | 3,185 |
| Average earning assets | $159,356,750 | 3,266 |
| Average equity | $21,460,500 | 3,049 |
| Average total loans | $56,303,250 | 4,436 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,730 |
| Cost of funding earning assets | 0.3404% | 3,678 |
| Net interest margin | 3.2129% | 4,504 |
| Noninterest income to average assets | 1.4388% | 560 |
| Noninterest expense to average assets | 3.1569% | 1,915 |
| Loan and lease loss provision to assets | 0.0393% | 3,371 |
| Net operating income to assets | 0.9487% | 2,630 |
| Return on assets (ROA) | 0.9487% | 2,772 |
| Pretax return on assets | 1.0900% | 3,238 |
| Return on Equity (ROE) | 7.9976% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.9976% | 1,167 |
| Net charge-offs to loans | 0.1679% | 1,333 |
| Credit loss provision to net charge-offs | 74.4681% | 2,431 |
| Earnings coverage of net charge-offs (x) | 21.4255% | 1,681 |
| Efficiency ratio | 73.6525% | 2,414 |
| Assets per employee ($millions) | 2.4581% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 875 |
| Loan loss allowance to noncurrent loans | 82.6667% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 2,372 |
| Noncurrent loans to loans | 2.3115% | 789 |
| Net loans and leases to total assets | 31.4949% | 5,753 |
| Net loans and leases to deposits | 38.2422% | 5,741 |
| Net loans and leases to core deposits | 45.0824% | 5,591 |
| Total domestic deposits to total assets | 82.3564% | 3,890 |
| Equity capital to assets | 12.0833% | 2,069 |
| Core capital (leverage) ratio | 11.3444% | 2,103 |
| Tier 1 risk-based capital ratio | 19.7762% | 1,507 |
| Total risk-based capital ratio | 20.8824% | 1,497 |
| Memoranda: | ||
| Average total assets | $178,342,000 | 3,206 |
| Average earning assets | $158,051,670 | 3,296 |
| Average equity | $21,156,330 | 3,078 |
| Average total loans | $55,998,670 | 4,471 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 4,718 |
| Cost of funding earning assets | 0.3409% | 3,704 |
| Net interest margin | 3.2270% | 4,487 |
| Noninterest income to average assets | 1.4272% | 551 |
| Noninterest expense to average assets | 3.1580% | 1,934 |
| Loan and lease loss provision to assets | 0.0793% | 2,375 |
| Net operating income to assets | 0.9288% | 2,606 |
| Return on assets (ROA) | 0.9288% | 2,713 |
| Pretax return on assets | 1.0421% | 3,315 |
| Return on Equity (ROE) | 7.9055% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.9055% | 1,498 |
| Net charge-offs to loans | 0.3358% | 664 |
| Credit loss provision to net charge-offs | 76.0870% | 1,862 |
| Earnings coverage of net charge-offs (x) | 10.7609% | 1,906 |
| Efficiency ratio | 73.7957% | 2,516 |
| Assets per employee ($millions) | 2.4853% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 843 |
| Loan loss allowance to noncurrent loans | 84.1748% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 2,358 |
| Noncurrent loans to loans | 2.3521% | 839 |
| Net loans and leases to total assets | 30.9039% | 5,808 |
| Net loans and leases to deposits | 37.6318% | 5,791 |
| Net loans and leases to core deposits | 41.0473% | 5,747 |
| Total domestic deposits to total assets | 82.1219% | 4,187 |
| Equity capital to assets | 11.7908% | 2,165 |
| Core capital (leverage) ratio | 11.2194% | 2,210 |
| Tier 1 risk-based capital ratio | 19.6690% | 1,576 |
| Total risk-based capital ratio | 20.7947% | 1,575 |
| Memoranda: | ||
| Average total assets | $176,565,000 | 3,240 |
| Average earning assets | $156,056,500 | 3,338 |
| Average equity | $20,745,000 | 3,125 |
| Average total loans | $54,796,000 | 4,529 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 4,816 |
| Cost of funding earning assets | 0.3535% | 3,666 |
| Net interest margin | 3.1875% | 4,668 |
| Noninterest income to average assets | 1.5290% | 537 |
| Noninterest expense to average assets | 3.2239% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9931% | 2,403 |
| Return on assets (ROA) | 1.0007% | 2,457 |
| Pretax return on assets | 1.1196% | 2,962 |
| Return on Equity (ROE) | 8.4917% | 2,713 |
| Retained earnings to average equity (ytd only) | 1.1839% | 5,035 |
| Net charge-offs to loans | 0.0956% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 37.2115% | 1,240 |
| Efficiency ratio | 74.3709% | 2,522 |
| Assets per employee ($millions) | 2.4533% | 5,912 |
| Cash dividends to net income (ytd only)* | 86.0585% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 668 |
| Loan loss allowance to noncurrent loans | 55.1050% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6017% | 1,234 |
| Noncurrent loans to loans | 3.8496% | 329 |
| Net loans and leases to total assets | 29.8797% | 5,890 |
| Net loans and leases to deposits | 36.6901% | 5,872 |
| Net loans and leases to core deposits | 39.8432% | 5,826 |
| Total domestic deposits to total assets | 81.4381% | 4,354 |
| Equity capital to assets | 11.7065% | 2,190 |
| Core capital (leverage) ratio | 10.9677% | 2,437 |
| Tier 1 risk-based capital ratio | 21.6067% | 1,204 |
| Total risk-based capital ratio | 22.8562% | 1,185 |
| Memoranda: | ||
| Average total assets | $174,170,000 | 3,245 |
| Average earning assets | $153,315,800 | 3,351 |
| Average equity | $20,526,000 | 3,118 |
| Average total loans | $54,404,200 | 4,544 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 4,864 |
| Cost of funding earning assets | 0.3526% | 3,728 |
| Net interest margin | 3.1981% | 4,675 |
| Noninterest income to average assets | 1.5127% | 543 |
| Noninterest expense to average assets | 3.2267% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9852% | 2,539 |
| Return on assets (ROA) | 0.9852% | 2,624 |
| Pretax return on assets | 1.1047% | 3,208 |
| Return on Equity (ROE) | 8.3462% | 2,908 |
| Retained earnings to average equity (ytd only) | 5.1037% | 2,843 |
| Net charge-offs to loans | 0.0366% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 96.1975% | 649 |
| Efficiency ratio | 74.4963% | 2,469 |
| Assets per employee ($millions) | 2.3873% | 6,012 |
| Cash dividends to net income (ytd only)* | 38.8500% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 757 |
| Loan loss allowance to noncurrent loans | 61.3158% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 1,361 |
| Noncurrent loans to loans | 3.4460% | 460 |
| Net loans and leases to total assets | 30.5515% | 5,955 |
| Net loans and leases to deposits | 38.2954% | 5,917 |
| Net loans and leases to core deposits | 42.0946% | 5,851 |
| Total domestic deposits to total assets | 79.7786% | 4,793 |
| Equity capital to assets | 11.7741% | 2,287 |
| Core capital (leverage) ratio | 11.2445% | 2,252 |
| Tier 1 risk-based capital ratio | 19.2274% | 1,720 |
| Total risk-based capital ratio | 20.3673% | 1,707 |
| Memoranda: | ||
| Average total assets | $174,166,250 | 3,272 |
| Average earning assets | $153,503,250 | 3,378 |
| Average equity | $20,559,750 | 3,145 |
| Average total loans | $54,711,750 | 4,583 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 4,973 |
| Cost of funding earning assets | 0.3467% | 3,851 |
| Net interest margin | 3.1555% | 4,809 |
| Noninterest income to average assets | 1.4711% | 589 |
| Noninterest expense to average assets | 3.2100% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9438% | 2,667 |
| Return on assets (ROA) | 0.9438% | 2,785 |
| Pretax return on assets | 1.0338% | 3,439 |
| Return on Equity (ROE) | 7.9884% | 3,060 |
| Retained earnings to average equity (ytd only) | 3.1055% | 4,069 |
| Net charge-offs to loans | 0.0147% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 311 |
| Efficiency ratio | 75.6389% | 2,422 |
| Assets per employee ($millions) | 2.2093% | 6,168 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0804% | 880 |
| Loan loss allowance to noncurrent loans | 56.5929% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 1,328 |
| Noncurrent loans to loans | 3.6761% | 464 |
| Net loans and leases to total assets | 31.7129% | 5,991 |
| Net loans and leases to deposits | 39.5237% | 5,918 |
| Net loans and leases to core deposits | 42.6348% | 5,878 |
| Total domestic deposits to total assets | 80.2375% | 4,811 |
| Equity capital to assets | 11.5442% | 2,377 |
| Core capital (leverage) ratio | 11.1212% | 2,313 |
| Tier 1 risk-based capital ratio | 19.6949% | 1,624 |
| Total risk-based capital ratio | 20.9022% | 1,602 |
| Memoranda: | ||
| Average total assets | $173,335,330 | 3,301 |
| Average earning assets | $152,307,000 | 3,412 |
| Average equity | $20,479,670 | 3,166 |
| Average total loans | $54,570,000 | 4,627 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 5,039 |
| Cost of funding earning assets | 0.3423% | 3,959 |
| Net interest margin | 3.1261% | 4,864 |
| Noninterest income to average assets | 1.4983% | 540 |
| Noninterest expense to average assets | 3.2165% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9309% | 2,604 |
| Return on assets (ROA) | 0.9309% | 2,730 |
| Pretax return on assets | 1.0096% | 3,457 |
| Return on Equity (ROE) | 7.7888% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.7888% | 1,647 |
| Net charge-offs to loans | 0.0299% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 459 |
| Efficiency ratio | 76.1096% | 2,500 |
| Assets per employee ($millions) | 2.3813% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 808 |
| Loan loss allowance to noncurrent loans | 70.1671% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 1,693 |
| Noncurrent loans to loans | 3.1354% | 664 |
| Net loans and leases to total assets | 29.6665% | 6,087 |
| Net loans and leases to deposits | 36.8018% | 6,027 |
| Net loans and leases to core deposits | 39.2820% | 5,996 |
| Total domestic deposits to total assets | 80.6116% | 4,911 |
| Equity capital to assets | 11.9073% | 2,095 |
| Core capital (leverage) ratio | 11.3642% | 2,108 |
| Tier 1 risk-based capital ratio | 19.9185% | 1,645 |
| Total risk-based capital ratio | 21.1344% | 1,614 |
| Memoranda: | ||
| Average total assets | $172,734,000 | 3,321 |
| Average earning assets | $150,731,000 | 3,452 |
| Average equity | $20,645,000 | 3,170 |
| Average total loans | $53,591,500 | 4,685 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 5,058 |
| Cost of funding earning assets | 0.3716% | 4,021 |
| Net interest margin | 3.2381% | 4,803 |
| Noninterest income to average assets | 1.6193% | 478 |
| Noninterest expense to average assets | 3.2538% | 2,065 |
| Loan and lease loss provision to assets | 0.0640% | 3,234 |
| Net operating income to assets | 1.0335% | 2,247 |
| Return on assets (ROA) | 1.0361% | 2,311 |
| Pretax return on assets | 1.1571% | 2,839 |
| Return on Equity (ROE) | 9.0200% | 2,572 |
| Retained earnings to average equity (ytd only) | 1.9336% | 4,833 |
| Net charge-offs to loans | 0.0764% | 3,391 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 47.6136% | 964 |
| Efficiency ratio | 72.7604% | 3,078 |
| Assets per employee ($millions) | 2.2871% | 6,278 |
| Cash dividends to net income (ytd only)* | 78.5634% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 826 |
| Loan loss allowance to noncurrent loans | 70.8283% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.6041% | 1,682 |
| Noncurrent loans to loans | 3.1007% | 719 |
| Net loans and leases to total assets | 31.0483% | 6,145 |
| Net loans and leases to deposits | 39.1861% | 6,058 |
| Net loans and leases to core deposits | 41.9105% | 6,046 |
| Total domestic deposits to total assets | 79.2330% | 5,196 |
| Equity capital to assets | 11.9983% | 2,017 |
| Core capital (leverage) ratio | 11.2219% | 2,199 |
| Tier 1 risk-based capital ratio | 21.7027% | 1,269 |
| Total risk-based capital ratio | 22.9544% | 1,246 |
| Memoranda: | ||
| Average total assets | $171,983,200 | 3,312 |
| Average earning assets | $151,510,000 | 3,418 |
| Average equity | $19,756,200 | 3,187 |
| Average total loans | $57,586,400 | 4,565 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 5,260 |
| Cost of funding earning assets | 0.3721% | 4,107 |
| Net interest margin | 3.1814% | 5,023 |
| Noninterest income to average assets | 1.6278% | 487 |
| Noninterest expense to average assets | 3.2100% | 2,141 |
| Loan and lease loss provision to assets | 0.0502% | 3,369 |
| Net operating income to assets | 1.0375% | 2,293 |
| Return on assets (ROA) | 1.0409% | 2,336 |
| Pretax return on assets | 1.1776% | 2,873 |
| Return on Equity (ROE) | 9.1612% | 2,599 |
| Retained earnings to average equity (ytd only) | 5.7631% | 2,562 |
| Net charge-offs to loans | 0.0911% | 2,909 |
| Credit loss provision to net charge-offs | 162.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 39.6265% | 1,138 |
| Efficiency ratio | 72.3964% | 3,109 |
| Assets per employee ($millions) | 2.3403% | 6,330 |
| Cash dividends to net income (ytd only)* | 37.0920% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0156% | 1,227 |
| Loan loss allowance to noncurrent loans | 68.0000% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.5851% | 1,928 |
| Noncurrent loans to loans | 2.9641% | 901 |
| Net loans and leases to total assets | 32.4106% | 6,168 |
| Net loans and leases to deposits | 41.3426% | 6,074 |
| Net loans and leases to core deposits | 44.3959% | 6,024 |
| Total domestic deposits to total assets | 78.3952% | 5,449 |
| Equity capital to assets | 12.0392% | 2,025 |
| Core capital (leverage) ratio | 11.3967% | 2,136 |
| Tier 1 risk-based capital ratio | 21.8792% | 1,282 |
| Total risk-based capital ratio | 23.1300% | 1,262 |
| Memoranda: | ||
| Average total assets | $172,666,750 | 3,329 |
| Average earning assets | $152,296,250 | 3,428 |
| Average equity | $19,618,500 | 3,210 |
| Average total loans | $58,550,750 | 4,574 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 5,379 |
| Cost of funding earning assets | 0.3715% | 4,191 |
| Net interest margin | 3.1436% | 5,110 |
| Noninterest income to average assets | 1.6113% | 489 |
| Noninterest expense to average assets | 3.1753% | 2,264 |
| Loan and lease loss provision to assets | 0.0346% | 3,596 |
| Net operating income to assets | 1.0365% | 2,181 |
| Return on assets (ROA) | 1.0365% | 2,244 |
| Pretax return on assets | 1.1750% | 2,781 |
| Return on Equity (ROE) | 9.3047% | 2,460 |
| Retained earnings to average equity (ytd only) | 4.1136% | 3,555 |
| Net charge-offs to loans | 0.1992% | 1,836 |
| Credit loss provision to net charge-offs | 50.8475% | 2,782 |
| Earnings coverage of net charge-offs (x) | 17.7627% | 1,715 |
| Efficiency ratio | 72.4138% | 3,263 |
| Assets per employee ($millions) | 2.2692% | 6,416 |
| Cash dividends to net income (ytd only)* | 55.7906% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 1,638 |
| Loan loss allowance to noncurrent loans | 61.9156% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.6957% | 1,923 |
| Noncurrent loans to loans | 3.0283% | 950 |
| Net loans and leases to total assets | 33.3944% | 6,182 |
| Net loans and leases to deposits | 40.8985% | 6,114 |
| Net loans and leases to core deposits | 43.6333% | 6,079 |
| Total domestic deposits to total assets | 81.6520% | 4,766 |
| Equity capital to assets | 11.6955% | 2,245 |
| Core capital (leverage) ratio | 11.0766% | 2,355 |
| Tier 1 risk-based capital ratio | 21.3452% | 1,375 |
| Total risk-based capital ratio | 22.5731% | 1,354 |
| Memoranda: | ||
| Average total assets | $173,275,000 | 3,338 |
| Average earning assets | $152,880,330 | 3,433 |
| Average equity | $19,302,000 | 3,239 |
| Average total loans | $59,231,000 | 4,576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 5,497 |
| Cost of funding earning assets | 0.3728% | 4,279 |
| Net interest margin | 3.1000% | 5,254 |
| Noninterest income to average assets | 1.5994% | 478 |
| Noninterest expense to average assets | 3.1416% | 2,399 |
| Loan and lease loss provision to assets | 0.0343% | 3,363 |
| Net operating income to assets | 1.0113% | 2,168 |
| Return on assets (ROA) | 1.0113% | 2,235 |
| Pretax return on assets | 1.1441% | 2,721 |
| Return on Equity (ROE) | 9.3050% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.3050% | 1,161 |
| Net charge-offs to loans | 0.1135% | 2,043 |
| Credit loss provision to net charge-offs | 88.2353% | 1,818 |
| Earnings coverage of net charge-offs (x) | 30.2941% | 1,049 |
| Efficiency ratio | 72.7225% | 3,357 |
| Assets per employee ($millions) | 2.4709% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 1,716 |
| Loan loss allowance to noncurrent loans | 63.5066% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.6346% | 2,160 |
| Noncurrent loans to loans | 3.0093% | 1,047 |
| Net loans and leases to total assets | 32.0812% | 6,265 |
| Net loans and leases to deposits | 38.9771% | 6,206 |
| Net loans and leases to core deposits | 41.5175% | 6,178 |
| Total domestic deposits to total assets | 82.3077% | 4,850 |
| Equity capital to assets | 10.9343% | 2,781 |
| Core capital (leverage) ratio | 10.9970% | 2,394 |
| Tier 1 risk-based capital ratio | 21.1885% | 1,436 |
| Total risk-based capital ratio | 22.4336% | 1,412 |
| Memoranda: | ||
| Average total assets | $174,816,000 | 3,336 |
| Average earning assets | $153,421,000 | 3,452 |
| Average equity | $19,000,500 | 3,281 |
| Average total loans | $59,886,000 | 4,591 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 5,141 |
| Cost of funding earning assets | 0.4659% | 3,953 |
| Net interest margin | 3.2321% | 4,888 |
| Noninterest income to average assets | 1.5796% | 576 |
| Noninterest expense to average assets | 3.3616% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9551% | 2,543 |
| Return on assets (ROA) | 0.9567% | 2,603 |
| Pretax return on assets | 1.0521% | 3,147 |
| Return on Equity (ROE) | 8.6046% | 2,737 |
| Retained earnings to average equity (ytd only) | 2.8508% | 4,218 |
| Net charge-offs to loans | 0.4943% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.9604% | 3,164 |
| Efficiency ratio | 76.1930% | 2,742 |
| Assets per employee ($millions) | 2.3524% | 6,489 |
| Cash dividends to net income (ytd only)* | 66.8693% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,040 |
| Loan loss allowance to noncurrent loans | 65.4909% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 2,045 |
| Noncurrent loans to loans | 2.7620% | 1,289 |
| Net loans and leases to total assets | 35.2141% | 6,237 |
| Net loans and leases to deposits | 43.9422% | 6,126 |
| Net loans and leases to core deposits | 46.7651% | 6,105 |
| Total domestic deposits to total assets | 80.1373% | 5,417 |
| Equity capital to assets | 10.8011% | 2,815 |
| Core capital (leverage) ratio | 10.6436% | 2,737 |
| Tier 1 risk-based capital ratio | 19.9803% | 1,656 |
| Total risk-based capital ratio | 21.1846% | 1,642 |
| Memoranda: | ||
| Average total assets | $171,940,600 | 3,383 |
| Average earning assets | $150,675,800 | 3,486 |
| Average equity | $19,117,600 | 3,264 |
| Average total loans | $61,299,400 | 4,572 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 5,277 |
| Cost of funding earning assets | 0.4821% | 3,944 |
| Net interest margin | 3.1774% | 5,065 |
| Noninterest income to average assets | 1.5620% | 603 |
| Noninterest expense to average assets | 3.3186% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9243% | 2,715 |
| Return on assets (ROA) | 0.9264% | 2,818 |
| Pretax return on assets | 1.0248% | 3,400 |
| Return on Equity (ROE) | 8.2725% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.1190% | 3,752 |
| Net charge-offs to loans | 0.2635% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.9008% | 2,304 |
| Efficiency ratio | 76.4464% | 2,659 |
| Assets per employee ($millions) | 2.3241% | 6,584 |
| Cash dividends to net income (ytd only)* | 50.2093% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1482% | 1,415 |
| Loan loss allowance to noncurrent loans | 88.3436% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.9072% | 2,127 |
| Noncurrent loans to loans | 2.4317% | 1,799 |
| Net loans and leases to total assets | 34.3249% | 6,347 |
| Net loans and leases to deposits | 42.4200% | 6,284 |
| Net loans and leases to core deposits | 45.9029% | 6,214 |
| Total domestic deposits to total assets | 80.9167% | 5,235 |
| Equity capital to assets | 10.7243% | 3,042 |
| Core capital (leverage) ratio | 10.8496% | 2,620 |
| Tier 1 risk-based capital ratio | 20.3438% | 1,644 |
| Total risk-based capital ratio | 21.5963% | 1,616 |
| Memoranda: | ||
| Average total assets | $171,994,750 | 3,406 |
| Average earning assets | $150,435,750 | 3,525 |
| Average equity | $19,260,000 | 3,281 |
| Average total loans | $61,228,000 | 4,613 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 5,294 |
| Cost of funding earning assets | 0.5013% | 3,884 |
| Net interest margin | 3.1471% | 5,127 |
| Noninterest income to average assets | 1.5209% | 676 |
| Noninterest expense to average assets | 3.3163% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8863% | 2,865 |
| Return on assets (ROA) | 0.8895% | 2,996 |
| Pretax return on assets | 0.9674% | 3,649 |
| Return on Equity (ROE) | 7.8333% | 3,174 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,923 |
| Net charge-offs to loans | 0.0715% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 37.6818% | 966 |
| Efficiency ratio | 77.4789% | 2,546 |
| Assets per employee ($millions) | 2.2789% | 6,649 |
| Cash dividends to net income (ytd only)* | 52.2876% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2289% | 1,366 |
| Loan loss allowance to noncurrent loans | 86.3243% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 2,942 |
| Noncurrent loans to loans | 2.5820% | 1,781 |
| Net loans and leases to total assets | 35.3305% | 6,344 |
| Net loans and leases to deposits | 43.5006% | 6,254 |
| Net loans and leases to core deposits | 46.6708% | 6,202 |
| Total domestic deposits to total assets | 81.2184% | 5,287 |
| Equity capital to assets | 10.9962% | 2,752 |
| Core capital (leverage) ratio | 10.7227% | 2,645 |
| Tier 1 risk-based capital ratio | 20.0144% | 1,715 |
| Total risk-based capital ratio | 21.2676% | 1,682 |
| Memoranda: | ||
| Average total assets | $171,998,670 | 3,431 |
| Average earning assets | $150,806,000 | 3,536 |
| Average equity | $19,532,000 | 3,255 |
| Average total loans | $61,527,670 | 4,622 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 5,286 |
| Cost of funding earning assets | 0.5122% | 3,949 |
| Net interest margin | 3.1478% | 5,101 |
| Noninterest income to average assets | 1.6383% | 580 |
| Noninterest expense to average assets | 3.3326% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9389% | 2,474 |
| Return on assets (ROA) | 0.9452% | 2,596 |
| Pretax return on assets | 1.0665% | 3,088 |
| Return on Equity (ROE) | 8.1920% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.1465% | 3,731 |
| Net charge-offs to loans | 0.0852% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 34.9231% | 883 |
| Efficiency ratio | 75.8767% | 2,942 |
| Assets per employee ($millions) | 2.3613% | 6,687 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3652% | 1,308 |
| Loan loss allowance to noncurrent loans | 132.3280% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 3,958 |
| Noncurrent loans to loans | 1.7874% | 2,882 |
| Net loans and leases to total assets | 33.1683% | 6,460 |
| Net loans and leases to deposits | 40.7329% | 6,388 |
| Net loans and leases to core deposits | 42.4648% | 6,383 |
| Total domestic deposits to total assets | 81.4288% | 5,386 |
| Equity capital to assets | 11.3156% | 2,616 |
| Core capital (leverage) ratio | 10.7732% | 2,479 |
| Tier 1 risk-based capital ratio | 20.9600% | 1,549 |
| Total risk-based capital ratio | 22.2145% | 1,520 |
| Memoranda: | ||
| Average total assets | $171,400,000 | 3,475 |
| Average earning assets | $149,946,500 | 3,593 |
| Average equity | $19,775,500 | 3,271 |
| Average total loans | $60,998,500 | 4,670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 4,935 |
| Cost of funding earning assets | 0.7327% | 3,227 |
| Net interest margin | 3.3713% | 4,992 |
| Noninterest income to average assets | 1.5197% | 681 |
| Noninterest expense to average assets | 3.2926% | 2,363 |
| Loan and lease loss provision to assets | 0.0352% | 5,448 |
| Net operating income to assets | 0.9959% | 2,350 |
| Return on assets (ROA) | 1.0235% | 2,449 |
| Pretax return on assets | 1.1768% | 2,878 |
| Return on Equity (ROE) | 8.8145% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.2403% | 4,663 |
| Net charge-offs to loans | 0.0780% | 4,893 |
| Credit loss provision to net charge-offs | 115.3846% | 2,512 |
| Earnings coverage of net charge-offs (x) | 38.6538% | 828 |
| Efficiency ratio | 73.6117% | 3,132 |
| Assets per employee ($millions) | 2.2409% | 6,801 |
| Cash dividends to net income (ytd only)* | 74.5841% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 1,435 |
| Loan loss allowance to noncurrent loans | 140.8549% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 3,944 |
| Noncurrent loans to loans | 1.6061% | 3,216 |
| Net loans and leases to total assets | 36.4259% | 6,401 |
| Net loans and leases to deposits | 43.2693% | 6,410 |
| Net loans and leases to core deposits | 45.5377% | 6,396 |
| Total domestic deposits to total assets | 84.1843% | 4,229 |
| Equity capital to assets | 11.7685% | 2,209 |
| Core capital (leverage) ratio | 10.6855% | 2,561 |
| Tier 1 risk-based capital ratio | 19.9497% | 1,690 |
| Total risk-based capital ratio | 21.2042% | 1,663 |
| Memoranda: | ||
| Average total assets | $170,293,200 | 3,448 |
| Average earning assets | $149,172,200 | 3,575 |
| Average equity | $19,774,200 | 3,223 |
| Average total loans | $66,674,200 | 4,472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 5,272 |
| Cost of funding earning assets | 0.7629% | 3,249 |
| Net interest margin | 3.3154% | 5,334 |
| Noninterest income to average assets | 1.4507% | 712 |
| Noninterest expense to average assets | 3.2402% | 2,450 |
| Loan and lease loss provision to assets | 0.0351% | 5,333 |
| Net operating income to assets | 0.9597% | 2,705 |
| Return on assets (ROA) | 0.9638% | 2,900 |
| Pretax return on assets | 1.0933% | 3,375 |
| Return on Equity (ROE) | 8.3277% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.9562% | 3,393 |
| Net charge-offs to loans | 0.0926% | 4,450 |
| Credit loss provision to net charge-offs | 95.7447% | 3,117 |
| Earnings coverage of net charge-offs (x) | 30.6359% | 1,078 |
| Efficiency ratio | 74.2489% | 2,944 |
| Assets per employee ($millions) | 2.2347% | 6,901 |
| Cash dividends to net income (ytd only)* | 40.4857% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 1,863 |
| Loan loss allowance to noncurrent loans | 142.2649% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 4,116 |
| Noncurrent loans to loans | 1.4908% | 3,551 |
| Net loans and leases to total assets | 37.7363% | 6,429 |
| Net loans and leases to deposits | 45.0521% | 6,456 |
| Net loans and leases to core deposits | 47.9122% | 6,422 |
| Total domestic deposits to total assets | 83.7615% | 4,336 |
| Equity capital to assets | 11.8490% | 2,396 |
| Core capital (leverage) ratio | 10.6881% | 2,715 |
| Tier 1 risk-based capital ratio | 19.5901% | 1,855 |
| Total risk-based capital ratio | 20.8431% | 1,827 |
| Memoranda: | ||
| Average total assets | $170,849,750 | 3,472 |
| Average earning assets | $150,122,000 | 3,580 |
| Average equity | $19,773,000 | 3,260 |
| Average total loans | $67,683,500 | 4,477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 5,239 |
| Cost of funding earning assets | 0.8009% | 3,185 |
| Net interest margin | 3.3201% | 5,390 |
| Noninterest income to average assets | 1.4034% | 727 |
| Noninterest expense to average assets | 3.2128% | 2,546 |
| Loan and lease loss provision to assets | 0.0352% | 5,234 |
| Net operating income to assets | 0.9466% | 2,675 |
| Return on assets (ROA) | 0.9528% | 2,902 |
| Pretax return on assets | 1.0760% | 3,390 |
| Return on Equity (ROE) | 8.2994% | 3,112 |
| Retained earnings to average equity (ytd only) | 3.1889% | 4,493 |
| Net charge-offs to loans | 0.0176% | 5,167 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 156.8333% | 286 |
| Efficiency ratio | 74.4224% | 3,006 |
| Assets per employee ($millions) | 2.4125% | 6,826 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1275% | 1,932 |
| Loan loss allowance to noncurrent loans | 101.9929% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 4,165 |
| Noncurrent loans to loans | 2.0859% | 2,842 |
| Net loans and leases to total assets | 38.4860% | 6,441 |
| Net loans and leases to deposits | 46.6279% | 6,396 |
| Net loans and leases to core deposits | 49.6483% | 6,357 |
| Total domestic deposits to total assets | 82.5385% | 4,938 |
| Equity capital to assets | 11.5172% | 2,573 |
| Core capital (leverage) ratio | 10.3278% | 3,016 |
| Tier 1 risk-based capital ratio | 16.6671% | 2,823 |
| Total risk-based capital ratio | 17.9186% | 2,773 |
| Memoranda: | ||
| Average total assets | $170,442,000 | 3,493 |
| Average earning assets | $149,575,670 | 3,611 |
| Average equity | $19,567,670 | 3,274 |
| Average total loans | $68,131,000 | 4,485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 5,356 |
| Cost of funding earning assets | 0.8303% | 3,225 |
| Net interest margin | 3.2997% | 5,481 |
| Noninterest income to average assets | 1.4210% | 722 |
| Noninterest expense to average assets | 3.2091% | 2,572 |
| Loan and lease loss provision to assets | 0.0353% | 4,937 |
| Net operating income to assets | 0.9428% | 2,730 |
| Return on assets (ROA) | 0.9552% | 2,871 |
| Pretax return on assets | 1.0893% | 3,369 |
| Return on Equity (ROE) | 8.3335% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.3335% | 1,846 |
| Net charge-offs to loans | 0.0117% | 4,546 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 151 |
| Efficiency ratio | 74.2919% | 3,049 |
| Assets per employee ($millions) | 2.3438% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 2,115 |
| Loan loss allowance to noncurrent loans | 122.4806% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 4,573 |
| Noncurrent loans to loans | 1.7092% | 3,549 |
| Net loans and leases to total assets | 38.3429% | 6,470 |
| Net loans and leases to deposits | 46.2903% | 6,411 |
| Net loans and leases to core deposits | 49.3309% | 6,376 |
| Total domestic deposits to total assets | 82.8312% | 4,999 |
| Equity capital to assets | 11.3230% | 2,606 |
| Core capital (leverage) ratio | 10.4628% | 2,793 |
| Tier 1 risk-based capital ratio | 16.6929% | 2,816 |
| Total risk-based capital ratio | 17.9396% | 2,772 |
| Memoranda: | ||
| Average total assets | $170,017,500 | 3,516 |
| Average earning assets | $149,347,000 | 3,632 |
| Average equity | $19,487,500 | 3,288 |
| Average total loans | $68,518,500 | 4,497 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 4,970 |
| Cost of funding earning assets | 1.0319% | 3,149 |
| Net interest margin | 3.4944% | 5,166 |
| Noninterest income to average assets | 1.4099% | 651 |
| Noninterest expense to average assets | 3.2414% | 2,721 |
| Loan and lease loss provision to assets | 0.0850% | 5,543 |
| Net operating income to assets | 0.9859% | 2,253 |
| Return on assets (ROA) | 1.0145% | 2,294 |
| Pretax return on assets | 1.2009% | 2,451 |
| Return on Equity (ROE) | 8.8636% | 2,516 |
| Retained earnings to average equity (ytd only) | 2.4946% | 4,453 |
| Net charge-offs to loans | 0.0393% | 5,918 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 73.6071% | 411 |
| Efficiency ratio | 72.1374% | 3,546 |
| Assets per employee ($millions) | 2.3464% | 6,971 |
| Cash dividends to net income (ytd only)* | 71.8563% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 2,156 |
| Loan loss allowance to noncurrent loans | 146.3136% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 4,843 |
| Noncurrent loans to loans | 1.3934% | 4,055 |
| Net loans and leases to total assets | 40.6400% | 6,499 |
| Net loans and leases to deposits | 49.3854% | 6,410 |
| Net loans and leases to core deposits | 53.0002% | 6,368 |
| Total domestic deposits to total assets | 82.2915% | 5,030 |
| Equity capital to assets | 11.6068% | 2,417 |
| Core capital (leverage) ratio | 10.5692% | 2,640 |
| Tier 1 risk-based capital ratio | 16.6003% | 2,775 |
| Total risk-based capital ratio | 17.8517% | 2,747 |
| Memoranda: | ||
| Average total assets | $164,621,000 | 3,572 |
| Average earning assets | $145,259,800 | 3,650 |
| Average equity | $18,841,000 | 3,303 |
| Average total loans | $71,235,800 | 4,442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 5,186 |
| Cost of funding earning assets | 1.0706% | 3,175 |
| Net interest margin | 3.4527% | 5,383 |
| Noninterest income to average assets | 1.3842% | 683 |
| Noninterest expense to average assets | 3.2681% | 2,607 |
| Loan and lease loss provision to assets | 0.0366% | 5,982 |
| Net operating income to assets | 0.9553% | 2,506 |
| Return on assets (ROA) | 0.9935% | 2,496 |
| Pretax return on assets | 1.1771% | 2,705 |
| Return on Equity (ROE) | 8.7119% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.5749% | 2,210 |
| Net charge-offs to loans | 0.0446% | 5,544 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 59.9153% | 553 |
| Efficiency ratio | 73.6678% | 3,246 |
| Assets per employee ($millions) | 2.1806% | 7,155 |
| Cash dividends to net income (ytd only)* | 24.5298% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,837 |
| Loan loss allowance to noncurrent loans | 122.2635% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 4,910 |
| Noncurrent loans to loans | 1.4954% | 4,052 |
| Net loans and leases to total assets | 43.2715% | 6,401 |
| Net loans and leases to deposits | 53.2410% | 6,273 |
| Net loans and leases to core deposits | 57.7344% | 6,151 |
| Total domestic deposits to total assets | 81.2748% | 5,349 |
| Equity capital to assets | 12.1081% | 2,166 |
| Core capital (leverage) ratio | 10.9956% | 2,395 |
| Tier 1 risk-based capital ratio | 17.0004% | 2,645 |
| Total risk-based capital ratio | 18.2487% | 2,603 |
| Memoranda: | ||
| Average total assets | $164,128,250 | 3,603 |
| Average earning assets | $145,079,500 | 3,680 |
| Average equity | $18,717,250 | 3,322 |
| Average total loans | $71,766,750 | 4,467 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 5,350 |
| Cost of funding earning assets | 1.1006% | 3,230 |
| Net interest margin | 3.4010% | 5,550 |
| Noninterest income to average assets | 1.3461% | 700 |
| Noninterest expense to average assets | 3.2765% | 2,645 |
| Loan and lease loss provision to assets | 0.0365% | 5,863 |
| Net operating income to assets | 0.8853% | 2,711 |
| Return on assets (ROA) | 0.9433% | 2,557 |
| Pretax return on assets | 1.1064% | 2,827 |
| Return on Equity (ROE) | 8.4443% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.4443% | 1,284 |
| Net charge-offs to loans | 0.0502% | 5,152 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 49.0556% | 632 |
| Efficiency ratio | 75.3007% | 3,139 |
| Assets per employee ($millions) | 2.1152% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,921 |
| Loan loss allowance to noncurrent loans | 116.1491% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 4,954 |
| Noncurrent loans to loans | 1.5669% | 4,063 |
| Net loans and leases to total assets | 43.3567% | 6,490 |
| Net loans and leases to deposits | 52.8381% | 6,410 |
| Net loans and leases to core deposits | 56.3557% | 6,389 |
| Total domestic deposits to total assets | 82.0558% | 5,145 |
| Equity capital to assets | 11.7737% | 2,268 |
| Core capital (leverage) ratio | 10.8572% | 2,368 |
| Tier 1 risk-based capital ratio | 16.8612% | 2,582 |
| Total risk-based capital ratio | 18.1010% | 2,552 |
| Memoranda: | ||
| Average total assets | $164,323,000 | 3,612 |
| Average earning assets | $145,191,670 | 3,706 |
| Average equity | $18,355,670 | 3,361 |
| Average total loans | $71,660,330 | 4,514 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 5,458 |
| Cost of funding earning assets | 1.1066% | 3,479 |
| Net interest margin | 3.3611% | 5,578 |
| Noninterest income to average assets | 1.3596% | 695 |
| Noninterest expense to average assets | 3.2669% | 2,654 |
| Loan and lease loss provision to assets | 0.0364% | 5,530 |
| Net operating income to assets | 0.8865% | 2,635 |
| Return on assets (ROA) | 0.8991% | 2,627 |
| Pretax return on assets | 1.0300% | 3,023 |
| Return on Equity (ROE) | 8.2695% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.2695% | 1,626 |
| Net charge-offs to loans | -0.0056% | 6,258 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6453% | 3,215 |
| Assets per employee ($millions) | 2.2703% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 2,903 |
| Loan loss allowance to noncurrent loans | 111.1770% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 4,995 |
| Noncurrent loans to loans | 1.6517% | 4,002 |
| Net loans and leases to total assets | 41.7773% | 6,645 |
| Net loans and leases to deposits | 50.4924% | 6,588 |
| Net loans and leases to core deposits | 54.5497% | 6,518 |
| Total domestic deposits to total assets | 82.7398% | 5,015 |
| Equity capital to assets | 10.8919% | 2,785 |
| Core capital (leverage) ratio | 10.5162% | 2,595 |
| Tier 1 risk-based capital ratio | 16.5709% | 2,633 |
| Total risk-based capital ratio | 17.8206% | 2,609 |
| Memoranda: | ||
| Average total assets | $165,048,500 | 3,633 |
| Average earning assets | $145,309,000 | 3,726 |
| Average equity | $17,945,500 | 3,401 |
| Average total loans | $71,528,000 | 4,558 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 5,165 |
| Cost of funding earning assets | 1.2656% | 4,104 |
| Net interest margin | 3.6000% | 4,827 |
| Noninterest income to average assets | 1.4501% | 685 |
| Noninterest expense to average assets | 3.3367% | 2,620 |
| Loan and lease loss provision to assets | 0.1112% | 6,044 |
| Net operating income to assets | 0.9740% | 2,126 |
| Return on assets (ROA) | 0.9745% | 2,239 |
| Pretax return on assets | 1.1752% | 2,311 |
| Return on Equity (ROE) | 8.5924% | 2,467 |
| Retained earnings to average equity (ytd only) | 0.9692% | 5,067 |
| Net charge-offs to loans | 0.1050% | 5,818 |
| Credit loss provision to net charge-offs | 227.8481% | 1,289 |
| Earnings coverage of net charge-offs (x) | 26.3544% | 822 |
| Efficiency ratio | 72.1844% | 3,755 |
| Assets per employee ($millions) | 2.2204% | 7,289 |
| Cash dividends to net income (ytd only)* | 88.7199% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 2,823 |
| Loan loss allowance to noncurrent loans | 153.1287% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 5,347 |
| Noncurrent loans to loans | 1.1837% | 4,740 |
| Net loans and leases to total assets | 43.3445% | 6,763 |
| Net loans and leases to deposits | 53.9314% | 6,613 |
| Net loans and leases to core deposits | 58.4582% | 6,521 |
| Total domestic deposits to total assets | 80.3698% | 5,728 |
| Equity capital to assets | 10.8531% | 2,814 |
| Core capital (leverage) ratio | 10.3457% | 2,726 |
| Tier 1 risk-based capital ratio | 16.3192% | 2,608 |
| Total risk-based capital ratio | 17.5624% | 2,567 |
| Memoranda: | ||
| Average total assets | $161,924,200 | 3,662 |
| Average earning assets | $142,694,000 | 3,764 |
| Average equity | $18,365,000 | 3,370 |
| Average total loans | $75,218,600 | 4,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 5,333 |
| Cost of funding earning assets | 1.2832% | 4,341 |
| Net interest margin | 3.6010% | 4,872 |
| Noninterest income to average assets | 1.4422% | 647 |
| Noninterest expense to average assets | 3.3258% | 2,497 |
| Loan and lease loss provision to assets | 0.1112% | 5,918 |
| Net operating income to assets | 0.9605% | 2,369 |
| Return on assets (ROA) | 0.9612% | 2,496 |
| Pretax return on assets | 1.1794% | 2,564 |
| Return on Equity (ROE) | 8.3842% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.3842% | 1,279 |
| Net charge-offs to loans | 0.1278% | 5,272 |
| Credit loss provision to net charge-offs | 184.9315% | 1,959 |
| Earnings coverage of net charge-offs (x) | 21.4523% | 1,131 |
| Efficiency ratio | 72.0557% | 3,685 |
| Assets per employee ($millions) | 2.1372% | 7,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 3,205 |
| Loan loss allowance to noncurrent loans | 110.0612% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 5,090 |
| Noncurrent loans to loans | 1.5297% | 4,345 |
| Net loans and leases to total assets | 44.6395% | 6,801 |
| Net loans and leases to deposits | 57.6794% | 6,485 |
| Net loans and leases to core deposits | 62.6383% | 6,403 |
| Total domestic deposits to total assets | 77.3925% | 6,392 |
| Equity capital to assets | 11.7577% | 2,318 |
| Core capital (leverage) ratio | 11.0842% | 2,203 |
| Tier 1 risk-based capital ratio | 16.9759% | 2,346 |
| Total risk-based capital ratio | 18.1613% | 2,333 |
| Memoranda: | ||
| Average total assets | $161,882,250 | 3,719 |
| Average earning assets | $142,659,500 | 3,822 |
| Average equity | $18,558,250 | 3,379 |
| Average total loans | $76,134,500 | 4,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 5,388 |
| Cost of funding earning assets | 1.3050% | 4,504 |
| Net interest margin | 3.5940% | 4,841 |
| Noninterest income to average assets | 1.4461% | 609 |
| Noninterest expense to average assets | 3.3493% | 2,410 |
| Loan and lease loss provision to assets | 0.1118% | 5,788 |
| Net operating income to assets | 0.9429% | 2,391 |
| Return on assets (ROA) | 0.9429% | 2,483 |
| Pretax return on assets | 1.1566% | 2,561 |
| Return on Equity (ROE) | 8.2975% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.2975% | 1,337 |
| Net charge-offs to loans | 0.0600% | 5,553 |
| Credit loss provision to net charge-offs | 391.3043% | 924 |
| Earnings coverage of net charge-offs (x) | 44.3913% | 664 |
| Efficiency ratio | 72.5316% | 3,735 |
| Assets per employee ($millions) | 2.2330% | 7,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 3,142 |
| Loan loss allowance to noncurrent loans | 69.0541% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 4,335 |
| Noncurrent loans to loans | 2.4364% | 3,211 |
| Net loans and leases to total assets | 45.2781% | 6,825 |
| Net loans and leases to deposits | 58.3815% | 6,549 |
| Net loans and leases to core deposits | 62.4483% | 6,513 |
| Total domestic deposits to total assets | 77.5557% | 6,376 |
| Equity capital to assets | 11.5872% | 2,368 |
| Core capital (leverage) ratio | 10.8443% | 2,370 |
| Tier 1 risk-based capital ratio | 16.9507% | 2,298 |
| Total risk-based capital ratio | 18.1666% | 2,268 |
| Memoranda: | ||
| Average total assets | $160,988,000 | 3,771 |
| Average earning assets | $142,071,330 | 3,862 |
| Average equity | $18,294,670 | 3,415 |
| Average total loans | $76,606,330 | 4,553 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 5,436 |
| Cost of funding earning assets | 1.3103% | 4,751 |
| Net interest margin | 3.5970% | 4,745 |
| Noninterest income to average assets | 1.4227% | 597 |
| Noninterest expense to average assets | 3.3880% | 2,268 |
| Loan and lease loss provision to assets | 0.1125% | 5,488 |
| Net operating income to assets | 0.8951% | 2,562 |
| Return on assets (ROA) | 0.8951% | 2,636 |
| Pretax return on assets | 1.1002% | 2,730 |
| Return on Equity (ROE) | 7.9564% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.9564% | 1,725 |
| Net charge-offs to loans | 0.0569% | 4,841 |
| Credit loss provision to net charge-offs | 409.0909% | 1,005 |
| Earnings coverage of net charge-offs (x) | 44.0909% | 627 |
| Efficiency ratio | 73.6413% | 3,630 |
| Assets per employee ($millions) | 2.2128% | 7,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 3,368 |
| Loan loss allowance to noncurrent loans | 92.5508% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 5,076 |
| Noncurrent loans to loans | 1.7486% | 4,127 |
| Net loans and leases to total assets | 46.2893% | 6,812 |
| Net loans and leases to deposits | 57.5063% | 6,655 |
| Net loans and leases to core deposits | 61.5210% | 6,635 |
| Total domestic deposits to total assets | 80.4943% | 5,615 |
| Equity capital to assets | 11.2956% | 2,508 |
| Core capital (leverage) ratio | 10.6993% | 2,453 |
| Tier 1 risk-based capital ratio | 16.7286% | 2,366 |
| Total risk-based capital ratio | 17.9244% | 2,337 |
| Memoranda: | ||
| Average total assets | $159,978,000 | 3,847 |
| Average earning assets | $141,341,500 | 3,934 |
| Average equity | $17,998,000 | 3,481 |
| Average total loans | $77,374,500 | 4,592 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 4,410 |
| Cost of funding earning assets | 1.6178% | 4,950 |
| Net interest margin | 3.8374% | 3,541 |
| Noninterest income to average assets | 1.6340% | 541 |
| Noninterest expense to average assets | 3.5122% | 2,345 |
| Loan and lease loss provision to assets | 0.0407% | 7,140 |
| Net operating income to assets | 1.1108% | 1,482 |
| Return on assets (ROA) | 1.1327% | 1,462 |
| Pretax return on assets | 1.4658% | 1,275 |
| Return on Equity (ROE) | 9.6284% | 1,806 |
| Retained earnings to average equity (ytd only) | 2.4215% | 3,439 |
| Net charge-offs to loans | 0.1647% | 5,637 |
| Credit loss provision to net charge-offs | 45.8015% | 6,789 |
| Earnings coverage of net charge-offs (x) | 16.6336% | 1,243 |
| Efficiency ratio | 70.3819% | 4,540 |
| Assets per employee ($millions) | 2.1409% | 7,623 |
| Cash dividends to net income (ytd only)* | 74.8503% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,629 |
| Loan loss allowance to noncurrent loans | 103.4602% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 5,196 |
| Noncurrent loans to loans | 1.4680% | 4,462 |
| Net loans and leases to total assets | 48.9515% | 6,731 |
| Net loans and leases to deposits | 62.2610% | 6,436 |
| Net loans and leases to core deposits | 77.3283% | 6,312 |
| Total domestic deposits to total assets | 78.6232% | 6,087 |
| Equity capital to assets | 11.2041% | 2,530 |
| Core capital (leverage) ratio | 10.8019% | 2,346 |
| Tier 1 risk-based capital ratio | 16.1678% | 2,444 |
| Total risk-based capital ratio | 17.3155% | 2,422 |
| Memoranda: | ||
| Average total assets | $147,429,000 | 3,995 |
| Average earning assets | $128,941,400 | 4,110 |
| Average equity | $17,344,600 | 3,604 |
| Average total loans | $79,516,400 | 4,530 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 4,330 |
| Cost of funding earning assets | 1.6931% | 4,934 |
| Net interest margin | 3.8247% | 3,553 |
| Noninterest income to average assets | 1.6330% | 551 |
| Noninterest expense to average assets | 3.6180% | 1,989 |
| Loan and lease loss provision to assets | 0.0415% | 6,953 |
| Net operating income to assets | 1.0299% | 1,965 |
| Return on assets (ROA) | 1.0349% | 2,013 |
| Pretax return on assets | 1.3233% | 1,896 |
| Return on Equity (ROE) | 8.6834% | 2,381 |
| Retained earnings to average equity (ytd only) | 2.8841% | 3,714 |
| Net charge-offs to loans | 0.1355% | 5,345 |
| Credit loss provision to net charge-offs | 55.5556% | 6,234 |
| Earnings coverage of net charge-offs (x) | 18.1970% | 1,361 |
| Efficiency ratio | 72.7037% | 4,103 |
| Assets per employee ($millions) | 2.1329% | 7,683 |
| Cash dividends to net income (ytd only)* | 66.7855% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,255 |
| Loan loss allowance to noncurrent loans | 128.0957% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 5,315 |
| Noncurrent loans to loans | 1.1986% | 4,945 |
| Net loans and leases to total assets | 52.1299% | 6,588 |
| Net loans and leases to deposits | 67.5272% | 6,170 |
| Net loans and leases to core deposits | 85.4798% | 5,918 |
| Total domestic deposits to total assets | 77.1984% | 6,293 |
| Equity capital to assets | 11.7706% | 2,385 |
| Core capital (leverage) ratio | 11.2187% | 2,248 |
| Tier 1 risk-based capital ratio | 16.4808% | 2,438 |
| Total risk-based capital ratio | 17.6883% | 2,397 |
| Memoranda: | ||
| Average total assets | $144,680,250 | 4,063 |
| Average earning assets | $126,473,000 | 4,198 |
| Average equity | $17,243,250 | 3,654 |
| Average total loans | $79,708,750 | 4,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5276% | 4,459 |
| Cost of funding earning assets | 1.7739% | 4,890 |
| Net interest margin | 3.7537% | 3,740 |
| Noninterest income to average assets | 1.6471% | 543 |
| Noninterest expense to average assets | 3.6580% | 1,927 |
| Loan and lease loss provision to assets | 0.0421% | 6,812 |
| Net operating income to assets | 0.9793% | 2,180 |
| Return on assets (ROA) | 0.9872% | 2,253 |
| Pretax return on assets | 1.2343% | 2,208 |
| Return on Equity (ROE) | 8.2467% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.2467% | 1,134 |
| Net charge-offs to loans | 0.2162% | 4,154 |
| Credit loss provision to net charge-offs | 34.8837% | 5,968 |
| Earnings coverage of net charge-offs (x) | 10.4884% | 1,989 |
| Efficiency ratio | 74.2800% | 3,994 |
| Assets per employee ($millions) | 2.0442% | 7,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 2,994 |
| Loan loss allowance to noncurrent loans | 218.9873% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 5,961 |
| Noncurrent loans to loans | 0.7025% | 5,841 |
| Net loans and leases to total assets | 52.6593% | 6,608 |
| Net loans and leases to deposits | 66.5088% | 6,346 |
| Net loans and leases to core deposits | 80.9069% | 6,331 |
| Total domestic deposits to total assets | 79.1765% | 5,755 |
| Equity capital to assets | 11.8291% | 2,306 |
| Core capital (leverage) ratio | 11.7950% | 1,924 |
| Tier 1 risk-based capital ratio | 17.1435% | 2,257 |
| Total risk-based capital ratio | 18.3554% | 2,217 |
| Memoranda: | ||
| Average total assets | $142,428,000 | 4,127 |
| Average earning assets | $124,357,330 | 4,259 |
| Average equity | $17,049,330 | 3,702 |
| Average total loans | $79,553,330 | 4,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 4,409 |
| Cost of funding earning assets | 1.8429% | 4,908 |
| Net interest margin | 3.7484% | 3,661 |
| Noninterest income to average assets | 1.6708% | 488 |
| Noninterest expense to average assets | 3.6358% | 1,779 |
| Loan and lease loss provision to assets | 0.0428% | 6,436 |
| Net operating income to assets | 0.9859% | 2,378 |
| Return on assets (ROA) | 0.9996% | 2,447 |
| Pretax return on assets | 1.2567% | 2,427 |
| Return on Equity (ROE) | 8.2992% | 3,015 |
| Retained earnings to average equity (ytd only) | 8.2992% | 1,710 |
| Net charge-offs to loans | 0.1250% | 3,966 |
| Credit loss provision to net charge-offs | 60.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | 17.9600% | 1,482 |
| Efficiency ratio | 73.9257% | 3,836 |
| Assets per employee ($millions) | 2.0384% | 7,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 2,563 |
| Loan loss allowance to noncurrent loans | 251.9038% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 5,945 |
| Noncurrent loans to loans | 0.6308% | 5,824 |
| Net loans and leases to total assets | 53.7916% | 6,492 |
| Net loans and leases to deposits | 65.6228% | 6,407 |
| Net loans and leases to core deposits | 79.1869% | 6,442 |
| Total domestic deposits to total assets | 81.9709% | 4,562 |
| Equity capital to assets | 11.8299% | 2,363 |
| Core capital (leverage) ratio | 11.9459% | 1,924 |
| Tier 1 risk-based capital ratio | 16.9446% | 2,357 |
| Total risk-based capital ratio | 18.1949% | 2,288 |
| Memoranda: | ||
| Average total assets | $140,052,000 | 4,185 |
| Average earning assets | $121,330,500 | 4,351 |
| Average equity | $16,869,000 | 3,753 |
| Average total loans | $79,972,500 | 4,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4213% | 3,312 |
| Cost of funding earning assets | 2.4380% | 4,535 |
| Net interest margin | 3.9833% | 3,200 |
| Noninterest income to average assets | 1.8459% | 398 |
| Noninterest expense to average assets | 3.6041% | 2,131 |
| Loan and lease loss provision to assets | 0.0804% | 6,390 |
| Net operating income to assets | 1.2637% | 1,588 |
| Return on assets (ROA) | 1.2547% | 1,562 |
| Pretax return on assets | 1.6289% | 1,315 |
| Return on Equity (ROE) | 10.1590% | 2,201 |
| Retained earnings to average equity (ytd only) | 0.6923% | 4,814 |
| Net charge-offs to loans | 0.0514% | 6,058 |
| Credit loss provision to net charge-offs | 261.9048% | 1,770 |
| Earnings coverage of net charge-offs (x) | 56.0714% | 703 |
| Efficiency ratio | 67.6822% | 4,776 |
| Assets per employee ($millions) | 1.9067% | 7,981 |
| Cash dividends to net income (ytd only)* | 93.1858% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 2,367 |
| Loan loss allowance to noncurrent loans | 254.9296% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,670 |
| Noncurrent loans to loans | 0.6148% | 5,525 |
| Net loans and leases to total assets | 58.7766% | 6,095 |
| Net loans and leases to deposits | 72.7165% | 5,977 |
| Net loans and leases to core deposits | 87.5271% | 6,020 |
| Total domestic deposits to total assets | 80.8298% | 4,722 |
| Equity capital to assets | 12.2746% | 2,126 |
| Core capital (leverage) ratio | 11.9532% | 1,987 |
| Tier 1 risk-based capital ratio | 16.5323% | 2,474 |
| Total risk-based capital ratio | 17.7822% | 2,405 |
| Memoranda: | ||
| Average total assets | $136,843,200 | 4,144 |
| Average earning assets | $119,524,000 | 4,272 |
| Average equity | $16,901,200 | 3,758 |
| Average total loans | $81,730,600 | 4,462 |