Home > Security Bank USA > Performance and Condition Ratios
Security Bank USA, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 1,672 |
| Cost of funding earning assets | 1.6822% | 2,766 |
| Net interest margin | 4.0130% | 1,261 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.9612% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3324% | 1,410 |
| Return on assets (ROA) | 1.3324% | 1,403 |
| Pretax return on assets | 1.3340% | 1,883 |
| Return on Equity (ROE) | 15.2800% | 1,013 |
| Retained earnings to average equity (ytd only) | -6.8913% | 4,170 |
| Net charge-offs to loans | 0.0297% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 63.6923% | 891 |
| Efficiency ratio | 68.9422% | 1,935 |
| Assets per employee ($millions) | 5.2929% | 3,468 |
| Cash dividends to net income (ytd only)* | 145.1028% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,247 |
| Loan loss allowance to noncurrent loans | 119.9710% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 882 |
| Noncurrent loans to loans | 1.1818% | 897 |
| Net loans and leases to total assets | 69.3400% | 1,907 |
| Net loans and leases to deposits | 76.5550% | 2,355 |
| Net loans and leases to core deposits | 83.2944% | 2,511 |
| Total domestic deposits to total assets | 90.5800% | 634 |
| Equity capital to assets | 8.6470% | 3,194 |
| Core capital (leverage) ratio | 9.3757% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9348% | 1,540 |
| Memoranda: | ||
| Average total assets | $248,277,500 | 2,737 |
| Average earning assets | $235,637,000 | 2,710 |
| Average equity | $21,650,500 | 2,912 |
| Average total loans | $175,177,500 | 2,569 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7892% | 1,600 |
| Cost of funding earning assets | 1.8472% | 2,605 |
| Net interest margin | 3.9420% | 1,282 |
| Noninterest income to average assets | 1.1300% | 498 |
| Noninterest expense to average assets | 3.4112% | 655 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.4069% | 1,062 |
| Return on assets (ROA) | 1.4069% | 1,059 |
| Pretax return on assets | 1.4090% | 1,491 |
| Return on Equity (ROE) | 16.0400% | 789 |
| Retained earnings to average equity (ytd only) | 7.2870% | 1,342 |
| Net charge-offs to loans | 0.0753% | 1,379 |
| Credit loss provision to net charge-offs | 89.1473% | 2,045 |
| Earnings coverage of net charge-offs (x) | 27.6589% | 1,593 |
| Efficiency ratio | 70.0872% | 1,976 |
| Assets per employee ($millions) | 4.8586% | 3,738 |
| Cash dividends to net income (ytd only)* | 54.5824% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,242 |
| Loan loss allowance to noncurrent loans | 170.8705% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 1,229 |
| Noncurrent loans to loans | 0.8320% | 1,202 |
| Net loans and leases to total assets | 69.7700% | 1,924 |
| Net loans and leases to deposits | 76.7300% | 2,390 |
| Net loans and leases to core deposits | 83.2663% | 2,549 |
| Total domestic deposits to total assets | 90.9300% | 536 |
| Equity capital to assets | 8.7938% | 2,977 |
| Core capital (leverage) ratio | 9.3017% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1735% | 1,485 |
| Memoranda: | ||
| Average total assets | $245,074,000 | 2,730 |
| Average earning assets | $232,294,600 | 2,696 |
| Average equity | $21,490,400 | 2,870 |
| Average total loans | $171,291,400 | 2,563 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 1,647 |
| Cost of funding earning assets | 1.8719% | 2,546 |
| Net interest margin | 3.8694% | 1,353 |
| Noninterest income to average assets | 0.8600% | 794 |
| Noninterest expense to average assets | 3.0627% | 1,023 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.3966% | 1,098 |
| Return on assets (ROA) | 1.3966% | 1,105 |
| Pretax return on assets | 1.3982% | 1,513 |
| Return on Equity (ROE) | 15.9400% | 826 |
| Retained earnings to average equity (ytd only) | 10.3038% | 781 |
| Net charge-offs to loans | 0.0086% | 2,334 |
| Credit loss provision to net charge-offs | 1,045.4545% | 390 |
| Earnings coverage of net charge-offs (x) | 243.4545% | 455 |
| Efficiency ratio | 67.7038% | 2,296 |
| Assets per employee ($millions) | 4.8823% | 3,725 |
| Cash dividends to net income (ytd only)* | 35.3516% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 1,007 |
| Loan loss allowance to noncurrent loans | 1,092.4686% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,072 |
| Noncurrent loans to loans | 0.1387% | 2,985 |
| Net loans and leases to total assets | 66.8200% | 2,229 |
| Net loans and leases to deposits | 73.6822% | 2,698 |
| Net loans and leases to core deposits | 80.2160% | 2,794 |
| Total domestic deposits to total assets | 90.6900% | 426 |
| Equity capital to assets | 8.9527% | 3,071 |
| Core capital (leverage) ratio | 9.5619% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3613% | 1,443 |
| Memoranda: | ||
| Average total assets | $244,395,500 | 2,729 |
| Average earning assets | $231,418,250 | 2,699 |
| Average equity | $21,415,500 | 2,874 |
| Average total loans | $170,272,250 | 2,564 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 1,719 |
| Cost of funding earning assets | 1.9096% | 2,338 |
| Net interest margin | 3.7202% | 1,559 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 3.0875% | 983 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.1483% | 1,604 |
| Return on assets (ROA) | 1.1483% | 1,601 |
| Pretax return on assets | 1.1499% | 2,066 |
| Return on Equity (ROE) | 13.2000% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.1229% | 1,340 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.6705% | 1,898 |
| Assets per employee ($millions) | 4.5799% | 3,879 |
| Cash dividends to net income (ytd only)* | 38.4838% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,025 |
| Loan loss allowance to noncurrent loans | 134.4220% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 820 |
| Noncurrent loans to loans | 1.1270% | 810 |
| Net loans and leases to total assets | 69.4400% | 1,971 |
| Net loans and leases to deposits | 76.2878% | 2,521 |
| Net loans and leases to core deposits | 82.7713% | 2,619 |
| Total domestic deposits to total assets | 91.0300% | 446 |
| Equity capital to assets | 8.6613% | 2,982 |
| Core capital (leverage) ratio | 9.3932% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8442% | 1,571 |
| Memoranda: | ||
| Average total assets | $241,234,333 | 2,748 |
| Average earning assets | $228,212,333 | 2,714 |
| Average equity | $20,977,667 | 2,871 |
| Average total loans | $169,610,000 | 2,566 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5361% | 1,745 |
| Cost of funding earning assets | 1.9145% | 2,214 |
| Net interest margin | 3.6217% | 1,695 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.8908% | 1,254 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.1527% | 1,545 |
| Return on assets (ROA) | 1.1527% | 1,558 |
| Pretax return on assets | 1.1543% | 2,002 |
| Return on Equity (ROE) | 13.2300% | 1,288 |
| Retained earnings to average equity (ytd only) | 13.2287% | 579 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.3074% | 2,121 |
| Assets per employee ($millions) | 4.7630% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,004 |
| Loan loss allowance to noncurrent loans | 162.9156% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 995 |
| Noncurrent loans to loans | 0.9367% | 929 |
| Net loans and leases to total assets | 67.6900% | 2,045 |
| Net loans and leases to deposits | 74.3717% | 2,563 |
| Net loans and leases to core deposits | 80.2258% | 2,711 |
| Total domestic deposits to total assets | 91.0100% | 524 |
| Equity capital to assets | 8.6924% | 2,893 |
| Core capital (leverage) ratio | 9.3715% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9820% | 1,543 |
| Memoranda: | ||
| Average total assets | $240,483,500 | 2,754 |
| Average earning assets | $227,741,000 | 2,720 |
| Average equity | $20,954,500 | 2,888 |
| Average total loans | $168,835,000 | 2,573 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 1,358 |
| Cost of funding earning assets | 1.6227% | 1,628 |
| Net interest margin | 3.7486% | 1,649 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.0849% | 984 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.3138% | 1,409 |
| Return on assets (ROA) | 1.3300% | 1,334 |
| Pretax return on assets | 1.3321% | 1,790 |
| Return on Equity (ROE) | 15.5300% | 1,191 |
| Retained earnings to average equity (ytd only) | 3.4660% | 3,136 |
| Net charge-offs to loans | 0.0044% | 2,568 |
| Credit loss provision to net charge-offs | 428.5714% | 748 |
| Earnings coverage of net charge-offs (x) | 444.5714% | 320 |
| Efficiency ratio | 69.8946% | 1,891 |
| Assets per employee ($millions) | 4.5780% | 3,904 |
| Cash dividends to net income (ytd only)* | 77.6886% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,146 |
| Loan loss allowance to noncurrent loans | 2,434.9515% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,318 |
| Noncurrent loans to loans | 0.0603% | 3,286 |
| Net loans and leases to total assets | 70.6500% | 1,739 |
| Net loans and leases to deposits | 77.6729% | 2,300 |
| Net loans and leases to core deposits | 83.9071% | 2,459 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 8.7350% | 2,879 |
| Core capital (leverage) ratio | 9.1873% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2847% | 1,765 |
| Memoranda: | ||
| Average total assets | $234,208,400 | 2,772 |
| Average earning assets | $221,603,000 | 2,730 |
| Average equity | $20,052,000 | 2,851 |
| Average total loans | $159,221,400 | 2,606 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 1,307 |
| Cost of funding earning assets | 1.5248% | 1,542 |
| Net interest margin | 3.7586% | 1,671 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.9959% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4325% | 1,250 |
| Return on assets (ROA) | 1.4542% | 1,194 |
| Pretax return on assets | 1.4559% | 1,660 |
| Return on Equity (ROE) | 17.0700% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.0670% | 2,257 |
| Net charge-offs to loans | 0.0060% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 358.4286% | 398 |
| Efficiency ratio | 67.6258% | 2,058 |
| Assets per employee ($millions) | 4.6698% | 3,836 |
| Cash dividends to net income (ytd only)* | 58.6085% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 1,146 |
| Loan loss allowance to noncurrent loans | 1,466.2722% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,133 |
| Noncurrent loans to loans | 0.1013% | 3,068 |
| Net loans and leases to total assets | 68.9900% | 1,947 |
| Net loans and leases to deposits | 75.4834% | 2,460 |
| Net loans and leases to core deposits | 81.0247% | 2,530 |
| Total domestic deposits to total assets | 91.3900% | 581 |
| Equity capital to assets | 8.2273% | 2,901 |
| Core capital (leverage) ratio | 9.3247% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7143% | 1,653 |
| Memoranda: | ||
| Average total assets | $233,246,750 | 2,786 |
| Average earning assets | $220,608,500 | 2,750 |
| Average equity | $19,866,500 | 2,860 |
| Average total loans | $156,350,750 | 2,631 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 1,257 |
| Cost of funding earning assets | 1.4154% | 1,407 |
| Net interest margin | 3.7558% | 1,708 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.9420% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3549% | 1,437 |
| Return on assets (ROA) | 1.3877% | 1,342 |
| Pretax return on assets | 1.3894% | 1,840 |
| Return on Equity (ROE) | 16.1000% | 1,248 |
| Retained earnings to average equity (ytd only) | 3.8181% | 3,247 |
| Net charge-offs to loans | 0.0092% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 224.4286% | 547 |
| Efficiency ratio | 68.4411% | 1,929 |
| Assets per employee ($millions) | 4.6510% | 3,861 |
| Cash dividends to net income (ytd only)* | 76.2912% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,046 |
| Loan loss allowance to noncurrent loans | 1,220.6897% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 2,920 |
| Noncurrent loans to loans | 0.1267% | 2,839 |
| Net loans and leases to total assets | 67.8300% | 1,972 |
| Net loans and leases to deposits | 74.3956% | 2,451 |
| Net loans and leases to core deposits | 79.2402% | 2,528 |
| Total domestic deposits to total assets | 91.1700% | 602 |
| Equity capital to assets | 8.5526% | 2,822 |
| Core capital (leverage) ratio | 9.2120% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6443% | 1,676 |
| Memoranda: | ||
| Average total assets | $231,609,333 | 2,804 |
| Average earning assets | $219,024,000 | 2,768 |
| Average equity | $19,957,333 | 2,869 |
| Average total loans | $152,874,667 | 2,647 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 1,382 |
| Cost of funding earning assets | 1.2524% | 1,335 |
| Net interest margin | 3.6639% | 1,989 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.7083% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3966% | 1,419 |
| Return on assets (ROA) | 1.3966% | 1,395 |
| Pretax return on assets | 1.3966% | 1,891 |
| Return on Equity (ROE) | 16.1500% | 1,326 |
| Retained earnings to average equity (ytd only) | 15.1464% | 784 |
| Net charge-offs to loans | 0.0188% | 1,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 115.2857% | 723 |
| Efficiency ratio | 65.9781% | 2,208 |
| Assets per employee ($millions) | 4.7539% | 3,841 |
| Cash dividends to net income (ytd only)* | 6.1958% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 934 |
| Loan loss allowance to noncurrent loans | 1,202.9126% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,927 |
| Noncurrent loans to loans | 0.1361% | 2,825 |
| Net loans and leases to total assets | 63.9100% | 2,260 |
| Net loans and leases to deposits | 70.2750% | 2,583 |
| Net loans and leases to core deposits | 72.6073% | 2,776 |
| Total domestic deposits to total assets | 90.9500% | 822 |
| Equity capital to assets | 8.8455% | 2,634 |
| Core capital (leverage) ratio | 9.4809% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5576% | 1,477 |
| Memoranda: | ||
| Average total assets | $231,139,500 | 2,837 |
| Average earning assets | $218,784,000 | 2,804 |
| Average equity | $19,991,500 | 2,894 |
| Average total loans | $149,204,000 | 2,708 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 1,044 |
| Cost of funding earning assets | 0.4276% | 1,880 |
| Net interest margin | 3.8742% | 1,016 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 3.1094% | 825 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.4130% | 1,098 |
| Return on assets (ROA) | 1.4130% | 1,062 |
| Pretax return on assets | 1.4130% | 1,730 |
| Return on Equity (ROE) | 16.6100% | 939 |
| Retained earnings to average equity (ytd only) | 12.6899% | 555 |
| Net charge-offs to loans | 0.0015% | 2,503 |
| Credit loss provision to net charge-offs | 12,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 1,660.0000% | 102 |
| Efficiency ratio | 67.0504% | 2,085 |
| Assets per employee ($millions) | 4.6803% | 3,916 |
| Cash dividends to net income (ytd only)* | 23.5831% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 817 |
| Loan loss allowance to noncurrent loans | 1,155.8140% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 2,895 |
| Noncurrent loans to loans | 0.1462% | 2,780 |
| Net loans and leases to total assets | 63.0400% | 2,326 |
| Net loans and leases to deposits | 70.5799% | 2,535 |
| Net loans and leases to core deposits | 72.6784% | 2,668 |
| Total domestic deposits to total assets | 89.3100% | 1,630 |
| Equity capital to assets | 8.4496% | 2,736 |
| Core capital (leverage) ratio | 9.0998% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3875% | 1,513 |
| Memoranda: | ||
| Average total assets | $217,274,400 | 2,925 |
| Average earning assets | $203,939,000 | 2,905 |
| Average equity | $18,487,200 | 3,079 |
| Average total loans | $135,806,800 | 2,770 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 1,137 |
| Cost of funding earning assets | 0.3313% | 1,846 |
| Net interest margin | 3.7324% | 1,068 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 3.0529% | 844 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.3809% | 1,141 |
| Return on assets (ROA) | 1.3809% | 1,113 |
| Pretax return on assets | 1.3809% | 1,777 |
| Return on Equity (ROE) | 16.2000% | 942 |
| Retained earnings to average equity (ytd only) | 11.7310% | 858 |
| Net charge-offs to loans | 0.0020% | 2,215 |
| Credit loss provision to net charge-offs | 11,250.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,222.0000% | 116 |
| Efficiency ratio | 66.7483% | 2,188 |
| Assets per employee ($millions) | 4.2726% | 4,187 |
| Cash dividends to net income (ytd only)* | 27.5800% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 834 |
| Loan loss allowance to noncurrent loans | 560.3645% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,258 |
| Noncurrent loans to loans | 0.3078% | 2,144 |
| Net loans and leases to total assets | 64.3300% | 2,056 |
| Net loans and leases to deposits | 71.9189% | 2,212 |
| Net loans and leases to core deposits | 73.9828% | 2,351 |
| Total domestic deposits to total assets | 89.4400% | 1,901 |
| Equity capital to assets | 8.2784% | 2,701 |
| Core capital (leverage) ratio | 9.5073% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5927% | 1,849 |
| Memoranda: | ||
| Average total assets | $214,258,750 | 2,975 |
| Average earning assets | $200,832,000 | 2,949 |
| Average equity | $18,264,500 | 3,139 |
| Average total loans | $132,995,750 | 2,800 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 1,116 |
| Cost of funding earning assets | 0.3529% | 1,234 |
| Net interest margin | 3.5457% | 1,191 |
| Noninterest income to average assets | 1.0618% | 590 |
| Noninterest expense to average assets | 3.0820% | 750 |
| Loan and lease loss provision to assets | 0.1408% | 682 |
| Net operating income to assets | 1.1594% | 1,571 |
| Return on assets (ROA) | 1.1594% | 1,551 |
| Pretax return on assets | 1.1594% | 2,211 |
| Return on Equity (ROE) | 13.4681% | 1,251 |
| Retained earnings to average equity (ytd only) | 7.7537% | 1,708 |
| Net charge-offs to loans | -0.0062% | 3,412 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3299% | 1,910 |
| Assets per employee ($millions) | 4.0852% | 4,326 |
| Cash dividends to net income (ytd only)* | 42.4291% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 804 |
| Loan loss allowance to noncurrent loans | 527.8146% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 2,231 |
| Noncurrent loans to loans | 0.3429% | 2,116 |
| Net loans and leases to total assets | 62.2639% | 2,095 |
| Net loans and leases to deposits | 69.5655% | 2,256 |
| Net loans and leases to core deposits | 70.6260% | 2,435 |
| Total domestic deposits to total assets | 89.5039% | 1,946 |
| Equity capital to assets | 8.6122% | 2,682 |
| Core capital (leverage) ratio | 9.2994% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3533% | 1,614 |
| Memoranda: | ||
| Average total assets | $213,043,667 | 3,008 |
| Average earning assets | $199,506,667 | 2,998 |
| Average equity | $18,339,667 | 3,203 |
| Average total loans | $129,784,333 | 2,844 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 982 |
| Cost of funding earning assets | 0.3396% | 1,288 |
| Net interest margin | 3.5219% | 1,047 |
| Noninterest income to average assets | 1.1681% | 505 |
| Noninterest expense to average assets | 2.9119% | 937 |
| Loan and lease loss provision to assets | 0.1393% | 580 |
| Net operating income to assets | 1.4467% | 716 |
| Return on assets (ROA) | 1.4467% | 714 |
| Pretax return on assets | 1.4485% | 1,130 |
| Return on Equity (ROE) | 16.8087% | 443 |
| Retained earnings to average equity (ytd only) | 7.5521% | 1,714 |
| Net charge-offs to loans | -0.0124% | 3,673 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7132% | 2,944 |
| Assets per employee ($millions) | 4.3591% | 4,224 |
| Cash dividends to net income (ytd only)* | 55.0706% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 829 |
| Loan loss allowance to noncurrent loans | 1,728.3582% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,436 |
| Noncurrent loans to loans | 0.1061% | 3,306 |
| Net loans and leases to total assets | 58.0505% | 2,291 |
| Net loans and leases to deposits | 65.7018% | 2,361 |
| Net loans and leases to core deposits | 66.8996% | 2,548 |
| Total domestic deposits to total assets | 88.3546% | 2,356 |
| Equity capital to assets | 8.5171% | 3,144 |
| Core capital (leverage) ratio | 8.9863% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,393,500 | 2,997 |
| Average earning assets | $203,756,500 | 2,979 |
| Average equity | $18,538,000 | 3,279 |
| Average total loans | $128,619,500 | 2,864 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 940 |
| Cost of funding earning assets | 0.3963% | 1,570 |
| Net interest margin | 3.8372% | 942 |
| Noninterest income to average assets | 1.5175% | 492 |
| Noninterest expense to average assets | 3.2123% | 713 |
| Loan and lease loss provision to assets | 0.1473% | 813 |
| Net operating income to assets | 1.7552% | 566 |
| Return on assets (ROA) | 1.7552% | 589 |
| Pretax return on assets | 1.7572% | 1,011 |
| Return on Equity (ROE) | 19.7561% | 321 |
| Retained earnings to average equity (ytd only) | 11.4479% | 626 |
| Net charge-offs to loans | -0.0023% | 3,387 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7795% | 2,752 |
| Assets per employee ($millions) | 4.3438% | 4,236 |
| Cash dividends to net income (ytd only)* | 42.0537% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 1,030 |
| Loan loss allowance to noncurrent loans | 1,016.8182% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 3,228 |
| Noncurrent loans to loans | 0.1680% | 3,106 |
| Net loans and leases to total assets | 59.2531% | 2,235 |
| Net loans and leases to deposits | 67.3306% | 2,375 |
| Net loans and leases to core deposits | 68.5401% | 2,602 |
| Total domestic deposits to total assets | 88.0032% | 2,046 |
| Equity capital to assets | 8.6946% | 3,890 |
| Core capital (leverage) ratio | 8.7896% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,621,200 | 3,035 |
| Average earning assets | $190,997,000 | 3,020 |
| Average equity | $18,090,600 | 3,373 |
| Average total loans | $131,180,200 | 2,842 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 809 |
| Cost of funding earning assets | 0.4098% | 1,625 |
| Net interest margin | 3.9886% | 812 |
| Noninterest income to average assets | 1.6168% | 477 |
| Noninterest expense to average assets | 3.2495% | 649 |
| Loan and lease loss provision to assets | 0.1498% | 755 |
| Net operating income to assets | 1.9424% | 512 |
| Return on assets (ROA) | 1.9424% | 537 |
| Pretax return on assets | 1.9444% | 879 |
| Return on Equity (ROE) | 21.7370% | 318 |
| Retained earnings to average equity (ytd only) | 13.0407% | 633 |
| Net charge-offs to loans | -0.0030% | 3,306 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8100% | 2,860 |
| Assets per employee ($millions) | 4.1507% | 4,367 |
| Cash dividends to net income (ytd only)* | 40.0069% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 1,285 |
| Loan loss allowance to noncurrent loans | 965.1786% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,424 |
| Noncurrent loans to loans | 0.1679% | 3,281 |
| Net loans and leases to total assets | 59.6470% | 2,307 |
| Net loans and leases to deposits | 67.6105% | 2,472 |
| Net loans and leases to core deposits | 69.0108% | 2,686 |
| Total domestic deposits to total assets | 88.2215% | 1,708 |
| Equity capital to assets | 8.4405% | 4,250 |
| Core capital (leverage) ratio | 9.0603% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,228,500 | 3,099 |
| Average earning assets | $187,097,000 | 3,089 |
| Average equity | $17,892,250 | 3,436 |
| Average total loans | $131,242,750 | 2,876 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 923 |
| Cost of funding earning assets | 0.4305% | 1,657 |
| Net interest margin | 3.9206% | 935 |
| Noninterest income to average assets | 1.7352% | 413 |
| Noninterest expense to average assets | 3.2111% | 702 |
| Loan and lease loss provision to assets | 0.1549% | 759 |
| Net operating income to assets | 2.0636% | 436 |
| Return on assets (ROA) | 2.0636% | 457 |
| Pretax return on assets | 2.0657% | 731 |
| Return on Equity (ROE) | 22.6184% | 282 |
| Retained earnings to average equity (ytd only) | 13.5394% | 629 |
| Net charge-offs to loans | -0.0031% | 3,293 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1177% | 3,137 |
| Assets per employee ($millions) | 4.0918% | 4,397 |
| Cash dividends to net income (ytd only)* | 40.1401% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,428 |
| Loan loss allowance to noncurrent loans | 413.0693% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,640 |
| Noncurrent loans to loans | 0.3751% | 2,557 |
| Net loans and leases to total assets | 67.4906% | 1,517 |
| Net loans and leases to deposits | 76.6192% | 1,763 |
| Net loans and leases to core deposits | 78.3765% | 2,014 |
| Total domestic deposits to total assets | 88.0858% | 1,776 |
| Equity capital to assets | 9.1948% | 3,603 |
| Core capital (leverage) ratio | 9.1563% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,642,667 | 3,146 |
| Average earning assets | $182,576,000 | 3,119 |
| Average equity | $17,667,000 | 3,459 |
| Average total loans | $130,531,333 | 2,896 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 865 |
| Cost of funding earning assets | 0.4449% | 1,763 |
| Net interest margin | 3.9887% | 859 |
| Noninterest income to average assets | 1.8704% | 415 |
| Noninterest expense to average assets | 3.2685% | 636 |
| Loan and lease loss provision to assets | 0.1560% | 822 |
| Net operating income to assets | 2.2116% | 407 |
| Return on assets (ROA) | 2.2116% | 442 |
| Pretax return on assets | 2.2137% | 675 |
| Return on Equity (ROE) | 24.3375% | 281 |
| Retained earnings to average equity (ytd only) | 24.3375% | 152 |
| Net charge-offs to loans | -0.0031% | 3,235 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9705% | 3,305 |
| Assets per employee ($millions) | 4.1590% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,421 |
| Loan loss allowance to noncurrent loans | 379.9622% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 2,798 |
| Noncurrent loans to loans | 0.4078% | 2,644 |
| Net loans and leases to total assets | 65.3301% | 1,892 |
| Net loans and leases to deposits | 74.1264% | 2,103 |
| Net loans and leases to core deposits | 75.5946% | 2,386 |
| Total domestic deposits to total assets | 88.1333% | 1,775 |
| Equity capital to assets | 9.1430% | 3,548 |
| Core capital (leverage) ratio | 9.3149% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,261,500 | 3,147 |
| Average earning assets | $181,612,000 | 3,118 |
| Average equity | $17,471,000 | 3,472 |
| Average total loans | $128,476,500 | 2,921 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 1,024 |
| Cost of funding earning assets | 0.5782% | 2,461 |
| Net interest margin | 4.0588% | 855 |
| Noninterest income to average assets | 1.9584% | 344 |
| Noninterest expense to average assets | 3.4772% | 716 |
| Loan and lease loss provision to assets | 0.1570% | 2,407 |
| Net operating income to assets | 2.1289% | 204 |
| Return on assets (ROA) | 2.1289% | 222 |
| Pretax return on assets | 2.1312% | 345 |
| Return on Equity (ROE) | 23.8272% | 126 |
| Retained earnings to average equity (ytd only) | 9.6037% | 659 |
| Net charge-offs to loans | 0.1014% | 1,460 |
| Credit loss provision to net charge-offs | 212.1212% | 2,103 |
| Earnings coverage of net charge-offs (x) | 30.9091% | 1,580 |
| Efficiency ratio | 60.3113% | 3,410 |
| Assets per employee ($millions) | 4.1098% | 4,283 |
| Cash dividends to net income (ytd only)* | 59.6944% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,517 |
| Loan loss allowance to noncurrent loans | 368.3810% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 2,908 |
| Noncurrent loans to loans | 0.4126% | 2,741 |
| Net loans and leases to total assets | 66.2821% | 2,055 |
| Net loans and leases to deposits | 75.2107% | 2,359 |
| Net loans and leases to core deposits | 76.4697% | 2,683 |
| Total domestic deposits to total assets | 88.1286% | 1,413 |
| Equity capital to assets | 9.0293% | 4,025 |
| Core capital (leverage) ratio | 8.8580% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,306,800 | 3,117 |
| Average earning assets | $167,242,000 | 3,097 |
| Average equity | $15,931,400 | 3,560 |
| Average total loans | $130,214,000 | 2,866 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 1,083 |
| Cost of funding earning assets | 0.6137% | 2,524 |
| Net interest margin | 4.0789% | 935 |
| Noninterest income to average assets | 1.6725% | 420 |
| Noninterest expense to average assets | 3.3192% | 882 |
| Loan and lease loss provision to assets | 0.1554% | 2,459 |
| Net operating income to assets | 2.0149% | 285 |
| Return on assets (ROA) | 2.0149% | 316 |
| Pretax return on assets | 2.0172% | 502 |
| Return on Equity (ROE) | 22.6154% | 163 |
| Retained earnings to average equity (ytd only) | 3.9283% | 3,089 |
| Net charge-offs to loans | 0.0468% | 1,946 |
| Credit loss provision to net charge-offs | 445.6522% | 1,376 |
| Earnings coverage of net charge-offs (x) | 62.2174% | 1,074 |
| Efficiency ratio | 60.4368% | 3,324 |
| Assets per employee ($millions) | 4.2047% | 4,143 |
| Cash dividends to net income (ytd only)* | 82.6300% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,835 |
| Loan loss allowance to noncurrent loans | 436.0987% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,273 |
| Noncurrent loans to loans | 0.3161% | 3,154 |
| Net loans and leases to total assets | 71.9482% | 1,673 |
| Net loans and leases to deposits | 80.7881% | 2,227 |
| Net loans and leases to core deposits | 82.2352% | 2,648 |
| Total domestic deposits to total assets | 89.0578% | 745 |
| Equity capital to assets | 8.2557% | 4,601 |
| Core capital (leverage) ratio | 8.4460% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,620,750 | 3,129 |
| Average earning assets | $164,453,500 | 3,107 |
| Average equity | $15,646,750 | 3,589 |
| Average total loans | $130,957,250 | 2,859 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 837 |
| Cost of funding earning assets | 0.6749% | 2,530 |
| Net interest margin | 4.3148% | 730 |
| Noninterest income to average assets | 1.2918% | 610 |
| Noninterest expense to average assets | 3.2377% | 1,095 |
| Loan and lease loss provision to assets | 0.1532% | 2,472 |
| Net operating income to assets | 1.9223% | 390 |
| Return on assets (ROA) | 1.9223% | 436 |
| Pretax return on assets | 1.9247% | 647 |
| Return on Equity (ROE) | 20.9914% | 200 |
| Retained earnings to average equity (ytd only) | 6.7698% | 1,752 |
| Net charge-offs to loans | 0.0674% | 1,575 |
| Credit loss provision to net charge-offs | 302.3256% | 1,611 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,232 |
| Efficiency ratio | 60.9091% | 3,290 |
| Assets per employee ($millions) | 3.8750% | 4,413 |
| Cash dividends to net income (ytd only)* | 67.7498% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 1,676 |
| Loan loss allowance to noncurrent loans | 299.2013% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 2,002 |
| Noncurrent loans to loans | 0.4593% | 2,768 |
| Net loans and leases to total assets | 73.8118% | 1,439 |
| Net loans and leases to deposits | 83.3735% | 2,059 |
| Net loans and leases to core deposits | 85.6138% | 2,473 |
| Total domestic deposits to total assets | 88.5314% | 932 |
| Equity capital to assets | 8.8374% | 4,224 |
| Core capital (leverage) ratio | 8.1912% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,688,667 | 3,162 |
| Average earning assets | $158,244,333 | 3,150 |
| Average equity | $15,539,667 | 3,601 |
| Average total loans | $127,574,667 | 2,887 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 1,132 |
| Cost of funding earning assets | 0.7660% | 2,572 |
| Net interest margin | 4.1582% | 1,006 |
| Noninterest income to average assets | 1.0571% | 766 |
| Noninterest expense to average assets | 3.1957% | 1,435 |
| Loan and lease loss provision to assets | 0.1346% | 2,047 |
| Net operating income to assets | 1.6027% | 623 |
| Return on assets (ROA) | 1.6027% | 688 |
| Pretax return on assets | 1.6052% | 1,040 |
| Return on Equity (ROE) | 17.1668% | 317 |
| Retained earnings to average equity (ytd only) | -6.5260% | 4,612 |
| Net charge-offs to loans | -0.0227% | 4,377 |
| Credit loss provision to net charge-offs | -785.7143% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7496% | 3,112 |
| Assets per employee ($millions) | 3.6276% | 4,357 |
| Cash dividends to net income (ytd only)* | 138.0153% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,339 |
| Loan loss allowance to noncurrent loans | 216.6471% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 1,743 |
| Noncurrent loans to loans | 0.6928% | 2,265 |
| Net loans and leases to total assets | 71.1336% | 2,066 |
| Net loans and leases to deposits | 81.1582% | 2,561 |
| Net loans and leases to core deposits | 83.7386% | 2,871 |
| Total domestic deposits to total assets | 87.6480% | 1,253 |
| Equity capital to assets | 8.9543% | 4,629 |
| Core capital (leverage) ratio | 9.0446% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,471,000 | 3,185 |
| Average earning assets | $152,471,500 | 3,166 |
| Average equity | $15,262,000 | 3,634 |
| Average total loans | $123,211,000 | 2,920 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 698 |
| Cost of funding earning assets | 0.8424% | 2,476 |
| Net interest margin | 4.5377% | 671 |
| Noninterest income to average assets | 1.1980% | 658 |
| Noninterest expense to average assets | 3.4934% | 974 |
| Loan and lease loss provision to assets | 0.1162% | 1,816 |
| Net operating income to assets | 1.7964% | 521 |
| Return on assets (ROA) | 1.7964% | 555 |
| Pretax return on assets | 1.7990% | 944 |
| Return on Equity (ROE) | 19.3114% | 249 |
| Retained earnings to average equity (ytd only) | 7.8342% | 1,029 |
| Net charge-offs to loans | -0.0226% | 4,653 |
| Credit loss provision to net charge-offs | -642.8571% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5900% | 2,990 |
| Assets per employee ($millions) | 3.4765% | 4,497 |
| Cash dividends to net income (ytd only)* | 59.4323% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,368 |
| Loan loss allowance to noncurrent loans | 240.0538% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 1,707 |
| Noncurrent loans to loans | 0.6034% | 2,372 |
| Net loans and leases to total assets | 77.6679% | 1,131 |
| Net loans and leases to deposits | 96.8006% | 860 |
| Net loans and leases to core deposits | 99.8217% | 1,578 |
| Total domestic deposits to total assets | 80.2350% | 3,929 |
| Equity capital to assets | 9.7524% | 4,153 |
| Core capital (leverage) ratio | 9.4199% | 4,144 |
| Tier 1 risk-based capital ratio | 13.4534% | 3,551 |
| Total risk-based capital ratio | 14.7072% | 3,434 |
| Memoranda: | ||
| Average total assets | $154,921,800 | 3,244 |
| Average earning assets | $143,750,600 | 3,234 |
| Average equity | $14,411,200 | 3,694 |
| Average total loans | $123,685,800 | 2,898 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 767 |
| Cost of funding earning assets | 0.8365% | 2,528 |
| Net interest margin | 4.5212% | 736 |
| Noninterest income to average assets | 1.1431% | 698 |
| Noninterest expense to average assets | 3.3923% | 1,110 |
| Loan and lease loss provision to assets | 0.1165% | 1,675 |
| Net operating income to assets | 1.8238% | 582 |
| Return on assets (ROA) | 1.8238% | 617 |
| Pretax return on assets | 1.8264% | 1,017 |
| Return on Equity (ROE) | 19.8496% | 258 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,236 |
| Net charge-offs to loans | -0.0549% | 4,857 |
| Credit loss provision to net charge-offs | -264.7059% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5834% | 3,085 |
| Assets per employee ($millions) | 3.4265% | 4,575 |
| Cash dividends to net income (ytd only)* | 78.2403% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,538 |
| Loan loss allowance to noncurrent loans | 138.7884% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,261 |
| Noncurrent loans to loans | 1.0154% | 1,575 |
| Net loans and leases to total assets | 76.6286% | 1,369 |
| Net loans and leases to deposits | 95.7119% | 1,050 |
| Net loans and leases to core deposits | 98.6096% | 1,776 |
| Total domestic deposits to total assets | 80.0617% | 3,978 |
| Equity capital to assets | 9.0601% | 4,751 |
| Core capital (leverage) ratio | 9.3893% | 4,289 |
| Tier 1 risk-based capital ratio | 12.5471% | 4,116 |
| Total risk-based capital ratio | 13.8002% | 3,989 |
| Memoranda: | ||
| Average total assets | $154,541,500 | 3,276 |
| Average earning assets | $143,291,250 | 3,269 |
| Average equity | $14,199,750 | 3,752 |
| Average total loans | $123,784,250 | 2,927 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 693 |
| Cost of funding earning assets | 0.8398% | 2,448 |
| Net interest margin | 4.5533% | 678 |
| Noninterest income to average assets | 1.0501% | 783 |
| Noninterest expense to average assets | 3.4153% | 1,079 |
| Loan and lease loss provision to assets | 0.1181% | 1,583 |
| Net operating income to assets | 1.7339% | 679 |
| Return on assets (ROA) | 1.7339% | 711 |
| Pretax return on assets | 1.7365% | 1,197 |
| Return on Equity (ROE) | 18.7784% | 331 |
| Retained earnings to average equity (ytd only) | 0.4833% | 4,573 |
| Net charge-offs to loans | -0.0681% | 4,912 |
| Credit loss provision to net charge-offs | -214.2857% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8070% | 3,003 |
| Assets per employee ($millions) | 3.5130% | 4,487 |
| Cash dividends to net income (ytd only)* | 97.4262% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,761 |
| Loan loss allowance to noncurrent loans | 132.4555% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 1,179 |
| Noncurrent loans to loans | 1.0302% | 1,591 |
| Net loans and leases to total assets | 81.8226% | 631 |
| Net loans and leases to deposits | 99.7168% | 700 |
| Net loans and leases to core deposits | 102.6390% | 1,505 |
| Total domestic deposits to total assets | 82.0549% | 3,498 |
| Equity capital to assets | 9.3750% | 4,523 |
| Core capital (leverage) ratio | 9.1509% | 4,508 |
| Tier 1 risk-based capital ratio | 12.1238% | 4,347 |
| Total risk-based capital ratio | 13.3761% | 4,232 |
| Memoranda: | ||
| Average total assets | $152,373,000 | 3,324 |
| Average earning assets | $141,217,330 | 3,310 |
| Average equity | $14,069,330 | 3,779 |
| Average total loans | $123,321,670 | 2,946 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 930 |
| Cost of funding earning assets | 0.7973% | 2,552 |
| Net interest margin | 4.3909% | 927 |
| Noninterest income to average assets | 0.8757% | 1,095 |
| Noninterest expense to average assets | 3.4268% | 1,072 |
| Loan and lease loss provision to assets | 0.1176% | 1,497 |
| Net operating income to assets | 1.3880% | 1,411 |
| Return on assets (ROA) | 1.3880% | 1,446 |
| Pretax return on assets | 1.3906% | 2,115 |
| Return on Equity (ROE) | 15.1465% | 721 |
| Retained earnings to average equity (ytd only) | -4.2502% | 4,881 |
| Net charge-offs to loans | -0.0654% | 4,906 |
| Credit loss provision to net charge-offs | -225.0000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4386% | 2,434 |
| Assets per employee ($millions) | 3.9828% | 3,948 |
| Cash dividends to net income (ytd only)* | 128.0603% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,861 |
| Loan loss allowance to noncurrent loans | 230.7584% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 2,353 |
| Noncurrent loans to loans | 0.5859% | 2,579 |
| Net loans and leases to total assets | 75.2537% | 1,603 |
| Net loans and leases to deposits | 89.3254% | 1,711 |
| Net loans and leases to core deposits | 91.7677% | 2,320 |
| Total domestic deposits to total assets | 84.2467% | 2,964 |
| Equity capital to assets | 8.7633% | 4,850 |
| Core capital (leverage) ratio | 9.2897% | 4,376 |
| Tier 1 risk-based capital ratio | 12.3769% | 4,248 |
| Total risk-based capital ratio | 13.6289% | 4,113 |
| Memoranda: | ||
| Average total assets | $153,029,000 | 3,354 |
| Average earning assets | $141,473,500 | 3,352 |
| Average equity | $14,023,000 | 3,799 |
| Average total loans | $122,326,500 | 2,990 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 582 |
| Cost of funding earning assets | 0.6077% | 2,663 |
| Net interest margin | 4.6943% | 493 |
| Noninterest income to average assets | 1.0329% | 882 |
| Noninterest expense to average assets | 3.4595% | 1,054 |
| Loan and lease loss provision to assets | 0.2070% | 905 |
| Net operating income to assets | 1.7022% | 693 |
| Return on assets (ROA) | 1.7022% | 682 |
| Pretax return on assets | 1.7049% | 1,157 |
| Return on Equity (ROE) | 18.1296% | 379 |
| Retained earnings to average equity (ytd only) | 5.0780% | 2,725 |
| Net charge-offs to loans | -0.0152% | 4,617 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4059% | 3,130 |
| Assets per employee ($millions) | 3.6686% | 4,367 |
| Cash dividends to net income (ytd only)* | 71.9903% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,135 |
| Loan loss allowance to noncurrent loans | 227.0504% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 2,319 |
| Noncurrent loans to loans | 0.5645% | 2,577 |
| Net loans and leases to total assets | 82.8260% | 538 |
| Net loans and leases to deposits | 99.6900% | 769 |
| Net loans and leases to core deposits | 102.2160% | 1,563 |
| Total domestic deposits to total assets | 83.0836% | 3,302 |
| Equity capital to assets | 9.5983% | 4,049 |
| Core capital (leverage) ratio | 9.6625% | 3,935 |
| Tier 1 risk-based capital ratio | 12.2343% | 4,281 |
| Total risk-based capital ratio | 13.4856% | 4,163 |
| Memoranda: | ||
| Average total assets | $144,932,600 | 3,447 |
| Average earning assets | $133,949,000 | 3,442 |
| Average equity | $13,607,600 | 3,799 |
| Average total loans | $118,102,600 | 3,017 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 584 |
| Cost of funding earning assets | 0.5709% | 2,702 |
| Net interest margin | 4.6640% | 508 |
| Noninterest income to average assets | 1.0345% | 895 |
| Noninterest expense to average assets | 3.4006% | 1,115 |
| Loan and lease loss provision to assets | 0.2076% | 818 |
| Net operating income to assets | 1.7432% | 677 |
| Return on assets (ROA) | 1.7432% | 683 |
| Pretax return on assets | 1.7460% | 1,159 |
| Return on Equity (ROE) | 18.6725% | 368 |
| Retained earnings to average equity (ytd only) | 5.9507% | 2,680 |
| Net charge-offs to loans | -0.0034% | 4,155 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5126% | 3,267 |
| Assets per employee ($millions) | 3.4637% | 4,604 |
| Cash dividends to net income (ytd only)* | 68.1315% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,454 |
| Loan loss allowance to noncurrent loans | 224.7734% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,409 |
| Noncurrent loans to loans | 0.5471% | 2,739 |
| Net loans and leases to total assets | 80.2507% | 982 |
| Net loans and leases to deposits | 94.6769% | 1,301 |
| Net loans and leases to core deposits | 97.2443% | 1,994 |
| Total domestic deposits to total assets | 84.7627% | 2,698 |
| Equity capital to assets | 9.3818% | 4,201 |
| Core capital (leverage) ratio | 9.3974% | 4,281 |
| Tier 1 risk-based capital ratio | 12.3094% | 4,314 |
| Total risk-based capital ratio | 13.5596% | 4,207 |
| Memoranda: | ||
| Average total assets | $144,479,500 | 3,486 |
| Average earning assets | $133,816,500 | 3,481 |
| Average equity | $13,488,250 | 3,848 |
| Average total loans | $116,848,000 | 3,054 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 684 |
| Cost of funding earning assets | 0.5604% | 2,512 |
| Net interest margin | 4.5237% | 664 |
| Noninterest income to average assets | 1.0154% | 928 |
| Noninterest expense to average assets | 3.4127% | 1,124 |
| Loan and lease loss provision to assets | 0.2098% | 803 |
| Net operating income to assets | 1.5791% | 963 |
| Return on assets (ROA) | 1.5791% | 970 |
| Pretax return on assets | 1.5819% | 1,560 |
| Return on Equity (ROE) | 16.9435% | 531 |
| Retained earnings to average equity (ytd only) | 1.3507% | 4,675 |
| Net charge-offs to loans | -0.0191% | 4,549 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5738% | 3,047 |
| Assets per employee ($millions) | 3.5061% | 4,588 |
| Cash dividends to net income (ytd only)* | 92.0283% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,642 |
| Loan loss allowance to noncurrent loans | 96.4698% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3334% | 1,053 |
| Noncurrent loans to loans | 1.2581% | 1,362 |
| Net loans and leases to total assets | 82.4713% | 658 |
| Net loans and leases to deposits | 99.8593% | 815 |
| Net loans and leases to core deposits | 102.2463% | 1,545 |
| Total domestic deposits to total assets | 82.5875% | 3,534 |
| Equity capital to assets | 9.5911% | 4,013 |
| Core capital (leverage) ratio | 9.3248% | 4,332 |
| Tier 1 risk-based capital ratio | 12.2387% | 4,351 |
| Total risk-based capital ratio | 13.4889% | 4,230 |
| Memoranda: | ||
| Average total assets | $142,993,670 | 3,526 |
| Average earning assets | $132,412,670 | 3,523 |
| Average equity | $13,326,670 | 3,894 |
| Average total loans | $115,460,330 | 3,087 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 816 |
| Cost of funding earning assets | 0.5389% | 2,484 |
| Net interest margin | 4.3919% | 781 |
| Noninterest income to average assets | 0.8617% | 1,260 |
| Noninterest expense to average assets | 3.3470% | 1,257 |
| Loan and lease loss provision to assets | 0.2078% | 786 |
| Net operating income to assets | 1.3687% | 1,427 |
| Return on assets (ROA) | 1.3687% | 1,443 |
| Pretax return on assets | 1.3715% | 2,096 |
| Return on Equity (ROE) | 14.8969% | 817 |
| Retained earnings to average equity (ytd only) | -5.3074% | 5,215 |
| Net charge-offs to loans | -0.0140% | 4,387 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9415% | 2,835 |
| Assets per employee ($millions) | 3.5855% | 4,559 |
| Cash dividends to net income (ytd only)* | 135.6275% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,915 |
| Loan loss allowance to noncurrent loans | 69.4142% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 858 |
| Noncurrent loans to loans | 1.7040% | 1,002 |
| Net loans and leases to total assets | 76.0943% | 1,527 |
| Net loans and leases to deposits | 92.8363% | 1,349 |
| Net loans and leases to core deposits | 94.9650% | 2,059 |
| Total domestic deposits to total assets | 81.9662% | 3,975 |
| Equity capital to assets | 8.9594% | 4,602 |
| Core capital (leverage) ratio | 9.2730% | 4,351 |
| Tier 1 risk-based capital ratio | 12.3748% | 4,327 |
| Total risk-based capital ratio | 13.6243% | 4,215 |
| Memoranda: | ||
| Average total assets | $144,368,500 | 3,541 |
| Average earning assets | $133,611,000 | 3,539 |
| Average equity | $13,264,500 | 3,934 |
| Average total loans | $114,649,500 | 3,126 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 597 |
| Cost of funding earning assets | 0.5152% | 2,208 |
| Net interest margin | 4.5281% | 576 |
| Noninterest income to average assets | 1.1139% | 820 |
| Noninterest expense to average assets | 3.5020% | 1,030 |
| Loan and lease loss provision to assets | 0.3332% | 500 |
| Net operating income to assets | 1.4557% | 895 |
| Return on assets (ROA) | 1.4557% | 903 |
| Pretax return on assets | 1.4586% | 1,785 |
| Return on Equity (ROE) | 15.6927% | 515 |
| Retained earnings to average equity (ytd only) | 9.3657% | 447 |
| Net charge-offs to loans | 0.4688% | 505 |
| Credit loss provision to net charge-offs | 86.3296% | 2,850 |
| Earnings coverage of net charge-offs (x) | 4.6423% | 3,438 |
| Efficiency ratio | 66.1524% | 3,239 |
| Assets per employee ($millions) | 3.3745% | 4,854 |
| Cash dividends to net income (ytd only)* | 40.3178% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,424 |
| Loan loss allowance to noncurrent loans | 61.5234% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 657 |
| Noncurrent loans to loans | 1.7641% | 911 |
| Net loans and leases to total assets | 81.0245% | 830 |
| Net loans and leases to deposits | 96.8475% | 1,008 |
| Net loans and leases to core deposits | 98.8474% | 1,800 |
| Total domestic deposits to total assets | 83.6619% | 3,324 |
| Equity capital to assets | 9.4250% | 4,298 |
| Core capital (leverage) ratio | 9.5185% | 4,018 |
| Tier 1 risk-based capital ratio | 12.3792% | 4,276 |
| Total risk-based capital ratio | 13.5399% | 4,247 |
| Memoranda: | ||
| Average total assets | $138,348,200 | 3,639 |
| Average earning assets | $127,715,000 | 3,614 |
| Average equity | $12,834,000 | 4,006 |
| Average total loans | $113,900,200 | 3,131 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 607 |
| Cost of funding earning assets | 0.5055% | 2,224 |
| Net interest margin | 4.4999% | 603 |
| Noninterest income to average assets | 1.1161% | 818 |
| Noninterest expense to average assets | 3.3220% | 1,294 |
| Loan and lease loss provision to assets | 0.3743% | 386 |
| Net operating income to assets | 1.5776% | 758 |
| Return on assets (ROA) | 1.5776% | 772 |
| Pretax return on assets | 1.5805% | 1,485 |
| Return on Equity (ROE) | 17.0769% | 410 |
| Retained earnings to average equity (ytd only) | 10.1076% | 560 |
| Net charge-offs to loans | 0.1741% | 1,203 |
| Credit loss provision to net charge-offs | 260.8108% | 1,098 |
| Earnings coverage of net charge-offs (x) | 13.6215% | 2,342 |
| Efficiency ratio | 62.9548% | 3,719 |
| Assets per employee ($millions) | 3.4757% | 4,759 |
| Cash dividends to net income (ytd only)* | 40.8112% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,082 |
| Loan loss allowance to noncurrent loans | 64.2273% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2513% | 526 |
| Noncurrent loans to loans | 2.1167% | 779 |
| Net loans and leases to total assets | 81.9872% | 692 |
| Net loans and leases to deposits | 97.0713% | 1,003 |
| Net loans and leases to core deposits | 99.5276% | 1,746 |
| Total domestic deposits to total assets | 84.4608% | 2,934 |
| Equity capital to assets | 9.4692% | 4,473 |
| Core capital (leverage) ratio | 9.5066% | 4,159 |
| Tier 1 risk-based capital ratio | 12.3400% | 4,414 |
| Total risk-based capital ratio | 13.5929% | 4,324 |
| Memoranda: | ||
| Average total assets | $137,502,750 | 3,679 |
| Average earning assets | $127,140,500 | 3,663 |
| Average equity | $12,703,000 | 4,069 |
| Average total loans | $113,351,250 | 3,169 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 684 |
| Cost of funding earning assets | 0.5002% | 2,161 |
| Net interest margin | 4.4056% | 694 |
| Noninterest income to average assets | 1.0263% | 965 |
| Noninterest expense to average assets | 3.1724% | 1,644 |
| Loan and lease loss provision to assets | 0.4540% | 266 |
| Net operating income to assets | 1.4760% | 905 |
| Return on assets (ROA) | 1.4760% | 928 |
| Pretax return on assets | 1.4760% | 1,734 |
| Return on Equity (ROE) | 16.1128% | 516 |
| Retained earnings to average equity (ytd only) | 9.4669% | 719 |
| Net charge-offs to loans | 0.0622% | 2,034 |
| Credit loss provision to net charge-offs | 888.5714% | 420 |
| Earnings coverage of net charge-offs (x) | 37.7714% | 1,296 |
| Efficiency ratio | 62.1745% | 3,963 |
| Assets per employee ($millions) | 3.4673% | 4,770 |
| Cash dividends to net income (ytd only)* | 41.2463% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,880 |
| Loan loss allowance to noncurrent loans | 111.5038% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.5996% | 928 |
| Noncurrent loans to loans | 1.2705% | 1,523 |
| Net loans and leases to total assets | 82.8048% | 574 |
| Net loans and leases to deposits | 98.6094% | 833 |
| Net loans and leases to core deposits | 101.1902% | 1,572 |
| Total domestic deposits to total assets | 83.9725% | 3,207 |
| Equity capital to assets | 9.4665% | 4,436 |
| Core capital (leverage) ratio | 9.2025% | 4,485 |
| Tier 1 risk-based capital ratio | 12.1503% | 4,526 |
| Total risk-based capital ratio | 13.4033% | 4,407 |
| Memoranda: | ||
| Average total assets | $136,994,000 | 3,706 |
| Average earning assets | $126,747,330 | 3,693 |
| Average equity | $12,549,000 | 4,100 |
| Average total loans | $112,616,000 | 3,185 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 834 |
| Cost of funding earning assets | 0.4944% | 2,135 |
| Net interest margin | 4.2617% | 865 |
| Noninterest income to average assets | 1.0125% | 981 |
| Noninterest expense to average assets | 3.0229% | 2,102 |
| Loan and lease loss provision to assets | 0.2176% | 735 |
| Net operating income to assets | 1.7233% | 526 |
| Return on assets (ROA) | 1.7233% | 535 |
| Pretax return on assets | 1.7233% | 956 |
| Return on Equity (ROE) | 19.1258% | 277 |
| Retained earnings to average equity (ytd only) | 14.6180% | 255 |
| Net charge-offs to loans | 0.0250% | 2,261 |
| Credit loss provision to net charge-offs | 1,071.4286% | 292 |
| Earnings coverage of net charge-offs (x) | 95.5714% | 559 |
| Efficiency ratio | 60.9001% | 4,336 |
| Assets per employee ($millions) | 3.8665% | 4,238 |
| Cash dividends to net income (ytd only)* | 23.5690% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,826 |
| Loan loss allowance to noncurrent loans | 83.2442% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 1,082 |
| Noncurrent loans to loans | 1.5009% | 1,329 |
| Net loans and leases to total assets | 79.5550% | 894 |
| Net loans and leases to deposits | 95.3888% | 977 |
| Net loans and leases to core deposits | 97.3974% | 1,712 |
| Total domestic deposits to total assets | 83.4007% | 3,703 |
| Equity capital to assets | 9.0924% | 4,718 |
| Core capital (leverage) ratio | 9.1250% | 4,575 |
| Tier 1 risk-based capital ratio | 12.1827% | 4,594 |
| Total risk-based capital ratio | 13.4336% | 4,493 |
| Memoranda: | ||
| Average total assets | $137,879,000 | 3,729 |
| Average earning assets | $127,837,000 | 3,703 |
| Average equity | $12,423,000 | 4,146 |
| Average total loans | $112,133,500 | 3,217 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 598 |
| Cost of funding earning assets | 0.4428% | 2,591 |
| Net interest margin | 4.5494% | 556 |
| Noninterest income to average assets | 1.1428% | 872 |
| Noninterest expense to average assets | 3.2627% | 1,660 |
| Loan and lease loss provision to assets | 1.0750% | 94 |
| Net operating income to assets | 1.0094% | 2,314 |
| Return on assets (ROA) | 1.0094% | 2,411 |
| Pretax return on assets | 1.0139% | 3,429 |
| Return on Equity (ROE) | 10.8563% | 1,635 |
| Retained earnings to average equity (ytd only) | -2.9716% | 5,588 |
| Net charge-offs to loans | 1.2973% | 125 |
| Credit loss provision to net charge-offs | 100.0686% | 2,561 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 3,916 |
| Efficiency ratio | 60.9665% | 4,423 |
| Assets per employee ($millions) | 3.5017% | 4,757 |
| Cash dividends to net income (ytd only)* | 127.3723% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,186 |
| Loan loss allowance to noncurrent loans | 137.9917% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1365% | 1,629 |
| Noncurrent loans to loans | 0.8615% | 2,375 |
| Net loans and leases to total assets | 81.1321% | 726 |
| Net loans and leases to deposits | 94.3950% | 1,160 |
| Net loans and leases to core deposits | 96.3587% | 1,894 |
| Total domestic deposits to total assets | 85.9495% | 2,604 |
| Equity capital to assets | 8.9262% | 4,885 |
| Core capital (leverage) ratio | 8.7052% | 5,069 |
| Tier 1 risk-based capital ratio | 11.3492% | 5,140 |
| Total risk-based capital ratio | 12.5856% | 5,051 |
| Memoranda: | ||
| Average total assets | $135,717,800 | 3,736 |
| Average earning assets | $125,553,800 | 3,729 |
| Average equity | $12,619,400 | 4,150 |
| Average total loans | $112,390,400 | 3,186 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 570 |
| Cost of funding earning assets | 0.4320% | 2,715 |
| Net interest margin | 4.5940% | 513 |
| Noninterest income to average assets | 1.0745% | 980 |
| Noninterest expense to average assets | 3.0433% | 2,192 |
| Loan and lease loss provision to assets | 0.0886% | 2,461 |
| Net operating income to assets | 2.1873% | 253 |
| Return on assets (ROA) | 2.1873% | 265 |
| Pretax return on assets | 2.1912% | 396 |
| Return on Equity (ROE) | 23.2890% | 118 |
| Retained earnings to average equity (ytd only) | 5.0077% | 2,820 |
| Net charge-offs to loans | 0.0865% | 2,100 |
| Credit loss provision to net charge-offs | 123.2877% | 2,052 |
| Earnings coverage of net charge-offs (x) | 31.7401% | 1,431 |
| Efficiency ratio | 57.1719% | 4,933 |
| Assets per employee ($millions) | 3.6958% | 4,486 |
| Cash dividends to net income (ytd only)* | 78.4975% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,364 |
| Loan loss allowance to noncurrent loans | 991.9118% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,952 |
| Noncurrent loans to loans | 0.1191% | 4,863 |
| Net loans and leases to total assets | 80.3340% | 841 |
| Net loans and leases to deposits | 91.6432% | 1,545 |
| Net loans and leases to core deposits | 94.7343% | 2,127 |
| Total domestic deposits to total assets | 87.6595% | 1,584 |
| Equity capital to assets | 9.3207% | 4,846 |
| Core capital (leverage) ratio | 9.4470% | 4,258 |
| Tier 1 risk-based capital ratio | 11.8725% | 4,872 |
| Total risk-based capital ratio | 13.0962% | 4,785 |
| Memoranda: | ||
| Average total assets | $135,506,000 | 3,759 |
| Average earning assets | $125,319,750 | 3,747 |
| Average equity | $12,726,750 | 4,172 |
| Average total loans | $112,455,250 | 3,188 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 624 |
| Cost of funding earning assets | 0.4219% | 2,818 |
| Net interest margin | 4.5507% | 552 |
| Noninterest income to average assets | 0.9756% | 1,186 |
| Noninterest expense to average assets | 3.0629% | 2,162 |
| Loan and lease loss provision to assets | 0.0896% | 2,352 |
| Net operating income to assets | 2.0260% | 318 |
| Return on assets (ROA) | 2.0260% | 335 |
| Pretax return on assets | 2.0290% | 538 |
| Return on Equity (ROE) | 21.5141% | 174 |
| Retained earnings to average equity (ytd only) | -0.5553% | 5,377 |
| Net charge-offs to loans | 0.1216% | 1,622 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 20.8529% | 1,708 |
| Efficiency ratio | 59.1119% | 4,754 |
| Assets per employee ($millions) | 3.4229% | 4,880 |
| Cash dividends to net income (ytd only)* | 102.5811% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 3,279 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 85.3086% | 306 |
| Net loans and leases to deposits | 97.7553% | 911 |
| Net loans and leases to core deposits | 100.2421% | 1,618 |
| Total domestic deposits to total assets | 87.2675% | 1,771 |
| Equity capital to assets | 9.4387% | 4,830 |
| Core capital (leverage) ratio | 9.3730% | 4,367 |
| Tier 1 risk-based capital ratio | 11.2711% | 5,286 |
| Total risk-based capital ratio | 12.4578% | 5,224 |
| Memoranda: | ||
| Average total assets | $133,861,330 | 3,814 |
| Average earning assets | $123,717,000 | 3,808 |
| Average equity | $12,605,670 | 4,212 |
| Average total loans | $111,883,670 | 3,209 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 758 |
| Cost of funding earning assets | 0.4222% | 2,842 |
| Net interest margin | 4.4344% | 690 |
| Noninterest income to average assets | 0.8833% | 1,350 |
| Noninterest expense to average assets | 2.9960% | 2,404 |
| Loan and lease loss provision to assets | 0.0895% | 2,185 |
| Net operating income to assets | 1.9008% | 394 |
| Return on assets (ROA) | 1.9008% | 422 |
| Pretax return on assets | 1.9038% | 686 |
| Return on Equity (ROE) | 20.2086% | 233 |
| Retained earnings to average equity (ytd only) | -0.5076% | 5,199 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0478% | 4,739 |
| Assets per employee ($millions) | 3.4135% | 4,945 |
| Cash dividends to net income (ytd only)* | 102.5118% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 3,284 |
| Loan loss allowance to noncurrent loans | 356.5445% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,178 |
| Noncurrent loans to loans | 0.3461% | 4,194 |
| Net loans and leases to total assets | 81.8779% | 572 |
| Net loans and leases to deposits | 94.2833% | 1,120 |
| Net loans and leases to core deposits | 96.2710% | 1,766 |
| Total domestic deposits to total assets | 86.8424% | 2,280 |
| Equity capital to assets | 9.4708% | 4,691 |
| Core capital (leverage) ratio | 9.3845% | 4,372 |
| Tier 1 risk-based capital ratio | 11.6456% | 5,137 |
| Total risk-based capital ratio | 12.8957% | 5,051 |
| Memoranda: | ||
| Average total assets | $134,045,500 | 3,832 |
| Average earning assets | $124,121,500 | 3,828 |
| Average equity | $12,608,500 | 4,223 |
| Average total loans | $110,223,000 | 3,237 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 627 |
| Cost of funding earning assets | 0.4430% | 2,706 |
| Net interest margin | 4.5587% | 595 |
| Noninterest income to average assets | 1.2970% | 719 |
| Noninterest expense to average assets | 3.2860% | 1,749 |
| Loan and lease loss provision to assets | 0.0925% | 2,455 |
| Net operating income to assets | 2.1139% | 287 |
| Return on assets (ROA) | 2.1139% | 291 |
| Pretax return on assets | 2.1139% | 412 |
| Return on Equity (ROE) | 22.5409% | 152 |
| Retained earnings to average equity (ytd only) | 5.1935% | 2,286 |
| Net charge-offs to loans | 0.0288% | 3,646 |
| Credit loss provision to net charge-offs | 387.0968% | 780 |
| Earnings coverage of net charge-offs (x) | 92.3548% | 621 |
| Efficiency ratio | 59.8288% | 4,928 |
| Assets per employee ($millions) | 3.6477% | 4,570 |
| Cash dividends to net income (ytd only)* | 76.9595% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 4,237 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.5773% | 765 |
| Net loans and leases to deposits | 92.9322% | 1,311 |
| Net loans and leases to core deposits | 94.6188% | 1,985 |
| Total domestic deposits to total assets | 86.7055% | 2,271 |
| Equity capital to assets | 9.3424% | 4,738 |
| Core capital (leverage) ratio | 9.3898% | 4,337 |
| Tier 1 risk-based capital ratio | 11.6841% | 5,139 |
| Total risk-based capital ratio | 12.9182% | 5,063 |
| Memoranda: | ||
| Average total assets | $129,762,000 | 3,892 |
| Average earning assets | $119,419,000 | 3,897 |
| Average equity | $12,169,000 | 4,275 |
| Average total loans | $107,625,000 | 3,248 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 668 |
| Cost of funding earning assets | 0.4496% | 2,686 |
| Net interest margin | 4.5128% | 633 |
| Noninterest income to average assets | 1.3223% | 698 |
| Noninterest expense to average assets | 3.0950% | 2,233 |
| Loan and lease loss provision to assets | 0.0934% | 2,297 |
| Net operating income to assets | 2.2803% | 223 |
| Return on assets (ROA) | 2.2803% | 234 |
| Pretax return on assets | 2.2803% | 346 |
| Return on Equity (ROE) | 24.2911% | 124 |
| Retained earnings to average equity (ytd only) | 4.1130% | 3,538 |
| Net charge-offs to loans | 0.0199% | 3,543 |
| Credit loss provision to net charge-offs | 562.5000% | 596 |
| Earnings coverage of net charge-offs (x) | 142.9564% | 480 |
| Efficiency ratio | 56.5952% | 5,272 |
| Assets per employee ($millions) | 3.6354% | 4,547 |
| Cash dividends to net income (ytd only)* | 83.0677% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 3,578 |
| Loan loss allowance to noncurrent loans | 675.3846% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 2,481 |
| Noncurrent loans to loans | 0.1796% | 4,934 |
| Net loans and leases to total assets | 81.9331% | 583 |
| Net loans and leases to deposits | 93.4645% | 1,260 |
| Net loans and leases to core deposits | 95.8866% | 1,896 |
| Total domestic deposits to total assets | 87.6623% | 1,720 |
| Equity capital to assets | 9.4670% | 4,791 |
| Core capital (leverage) ratio | 9.2135% | 4,712 |
| Tier 1 risk-based capital ratio | 11.3856% | 5,435 |
| Total risk-based capital ratio | 12.5998% | 5,373 |
| Memoranda: | ||
| Average total assets | $128,461,000 | 3,961 |
| Average earning assets | $118,031,500 | 3,961 |
| Average equity | $12,059,000 | 4,345 |
| Average total loans | $107,010,250 | 3,285 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 745 |
| Cost of funding earning assets | 0.4529% | 2,692 |
| Net interest margin | 4.4398% | 707 |
| Noninterest income to average assets | 1.3019% | 719 |
| Noninterest expense to average assets | 3.0833% | 2,292 |
| Loan and lease loss provision to assets | 0.0940% | 2,245 |
| Net operating income to assets | 2.1934% | 260 |
| Return on assets (ROA) | 2.1934% | 275 |
| Pretax return on assets | 2.1950% | 419 |
| Return on Equity (ROE) | 23.4336% | 150 |
| Retained earnings to average equity (ytd only) | -2.6446% | 5,884 |
| Net charge-offs to loans | 0.0338% | 2,992 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 81.1667% | 697 |
| Efficiency ratio | 57.3928% | 5,294 |
| Assets per employee ($millions) | 3.5482% | 4,713 |
| Cash dividends to net income (ytd only)* | 111.2857% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 2,862 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.4139% | 345 |
| Net loans and leases to deposits | 98.5946% | 744 |
| Net loans and leases to core deposits | 101.5177% | 1,360 |
| Total domestic deposits to total assets | 85.6172% | 2,871 |
| Equity capital to assets | 9.2746% | 4,930 |
| Core capital (leverage) ratio | 9.1131% | 4,804 |
| Tier 1 risk-based capital ratio | 10.9389% | 5,744 |
| Total risk-based capital ratio | 12.1281% | 5,693 |
| Memoranda: | ||
| Average total assets | $127,656,330 | 4,003 |
| Average earning assets | $117,033,000 | 4,012 |
| Average equity | $11,948,670 | 4,390 |
| Average total loans | $106,498,000 | 3,313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 840 |
| Cost of funding earning assets | 0.4553% | 2,718 |
| Net interest margin | 4.3577% | 791 |
| Noninterest income to average assets | 1.3290% | 648 |
| Noninterest expense to average assets | 3.0999% | 2,269 |
| Loan and lease loss provision to assets | 0.0940% | 2,118 |
| Net operating income to assets | 2.1220% | 269 |
| Return on assets (ROA) | 2.1220% | 287 |
| Pretax return on assets | 2.1251% | 457 |
| Return on Equity (ROE) | 22.5676% | 164 |
| Retained earnings to average equity (ytd only) | 0.1333% | 5,330 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2793% | 5,303 |
| Assets per employee ($millions) | 3.7038% | 4,507 |
| Cash dividends to net income (ytd only)* | 99.4092% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 2,885 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.0947% | 677 |
| Net loans and leases to deposits | 95.5945% | 859 |
| Net loans and leases to core deposits | 96.8383% | 1,563 |
| Total domestic deposits to total assets | 83.7859% | 3,895 |
| Equity capital to assets | 9.2707% | 5,005 |
| Core capital (leverage) ratio | 9.4319% | 4,377 |
| Tier 1 risk-based capital ratio | 11.4342% | 5,592 |
| Total risk-based capital ratio | 12.6490% | 5,519 |
| Memoranda: | ||
| Average total assets | $127,616,500 | 4,036 |
| Average earning assets | $116,851,500 | 4,043 |
| Average equity | $11,999,500 | 4,411 |
| Average total loans | $105,191,000 | 3,351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 1,481 |
| Cost of funding earning assets | 0.4723% | 2,960 |
| Net interest margin | 4.1550% | 1,418 |
| Noninterest income to average assets | 1.0551% | 1,094 |
| Noninterest expense to average assets | 3.1980% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6129% | 694 |
| Return on assets (ROA) | 1.6145% | 724 |
| Pretax return on assets | 1.6161% | 1,189 |
| Return on Equity (ROE) | 17.6542% | 429 |
| Retained earnings to average equity (ytd only) | 6.6574% | 1,565 |
| Net charge-offs to loans | 0.0011% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2,026.0000% | 13 |
| Efficiency ratio | 66.4514% | 4,167 |
| Assets per employee ($millions) | 3.3946% | 5,072 |
| Cash dividends to net income (ytd only)* | 62.2902% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 4,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 2,397 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 82.8319% | 446 |
| Net loans and leases to deposits | 98.2009% | 746 |
| Net loans and leases to core deposits | 99.5084% | 1,426 |
| Total domestic deposits to total assets | 84.3494% | 3,570 |
| Equity capital to assets | 9.5391% | 4,671 |
| Core capital (leverage) ratio | 9.5082% | 4,225 |
| Tier 1 risk-based capital ratio | 10.6439% | 6,044 |
| Total risk-based capital ratio | 11.7484% | 6,042 |
| Memoranda: | ||
| Average total assets | $125,486,200 | 4,072 |
| Average earning assets | $113,477,600 | 4,102 |
| Average equity | $11,476,000 | 4,463 |
| Average total loans | $93,389,000 | 3,558 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,866 |
| Cost of funding earning assets | 0.4728% | 3,026 |
| Net interest margin | 4.0280% | 1,795 |
| Noninterest income to average assets | 0.9682% | 1,318 |
| Noninterest expense to average assets | 2.9597% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6366% | 690 |
| Return on assets (ROA) | 1.6366% | 716 |
| Pretax return on assets | 1.6388% | 1,212 |
| Return on Equity (ROE) | 18.0910% | 434 |
| Retained earnings to average equity (ytd only) | 6.7900% | 1,930 |
| Net charge-offs to loans | -0.0177% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3633% | 4,486 |
| Assets per employee ($millions) | 3.3238% | 5,203 |
| Cash dividends to net income (ytd only)* | 62.4674% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 3,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3832% | 2,235 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.3964% | 1,172 |
| Net loans and leases to deposits | 90.3229% | 1,393 |
| Net loans and leases to core deposits | 91.7433% | 2,054 |
| Total domestic deposits to total assets | 84.5815% | 3,505 |
| Equity capital to assets | 9.3569% | 4,967 |
| Core capital (leverage) ratio | 9.2118% | 4,763 |
| Tier 1 risk-based capital ratio | 11.0513% | 5,970 |
| Total risk-based capital ratio | 12.2069% | 5,962 |
| Memoranda: | ||
| Average total assets | $125,458,000 | 4,110 |
| Average earning assets | $113,073,000 | 4,145 |
| Average equity | $11,349,750 | 4,517 |
| Average total loans | $90,416,500 | 3,652 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,334 |
| Cost of funding earning assets | 0.4740% | 3,075 |
| Net interest margin | 3.8862% | 2,232 |
| Noninterest income to average assets | 0.7078% | 2,245 |
| Noninterest expense to average assets | 2.7817% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4220% | 1,016 |
| Return on assets (ROA) | 1.4220% | 1,054 |
| Pretax return on assets | 1.4236% | 1,805 |
| Return on Equity (ROE) | 15.9018% | 667 |
| Retained earnings to average equity (ytd only) | 1.4472% | 5,162 |
| Net charge-offs to loans | -0.0318% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1474% | 4,345 |
| Assets per employee ($millions) | 3.3027% | 5,245 |
| Cash dividends to net income (ytd only)* | 90.8989% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 3,475 |
| Loan loss allowance to noncurrent loans | 1,612.8205% | 342 |
| Noncurrent assets plus other real estate owned to assets | 1.5012% | 2,174 |
| Noncurrent loans to loans | 0.0852% | 5,765 |
| Net loans and leases to total assets | 71.9277% | 1,760 |
| Net loans and leases to deposits | 85.5672% | 1,860 |
| Net loans and leases to core deposits | 86.7064% | 2,446 |
| Total domestic deposits to total assets | 84.0599% | 3,903 |
| Equity capital to assets | 9.0230% | 5,272 |
| Core capital (leverage) ratio | 8.9289% | 5,117 |
| Tier 1 risk-based capital ratio | 11.1637% | 5,980 |
| Total risk-based capital ratio | 12.3260% | 5,956 |
| Memoranda: | ||
| Average total assets | $125,176,330 | 4,128 |
| Average earning assets | $112,653,670 | 4,172 |
| Average equity | $11,193,670 | 4,556 |
| Average total loans | $87,973,000 | 3,714 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 2,804 |
| Cost of funding earning assets | 0.4771% | 3,149 |
| Net interest margin | 3.7418% | 2,707 |
| Noninterest income to average assets | 0.6431% | 2,498 |
| Noninterest expense to average assets | 2.7325% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2703% | 1,296 |
| Return on assets (ROA) | 1.2703% | 1,346 |
| Pretax return on assets | 1.2735% | 2,203 |
| Return on Equity (ROE) | 14.2697% | 894 |
| Retained earnings to average equity (ytd only) | -6.6136% | 6,215 |
| Net charge-offs to loans | -0.0186% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2109% | 4,145 |
| Assets per employee ($millions) | 3.3315% | 5,289 |
| Cash dividends to net income (ytd only)* | 146.3476% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,475 |
| Loan loss allowance to noncurrent loans | 1,386.6667% | 391 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 2,158 |
| Noncurrent loans to loans | 0.1029% | 5,818 |
| Net loans and leases to total assets | 68.0840% | 2,208 |
| Net loans and leases to deposits | 78.9856% | 2,428 |
| Net loans and leases to core deposits | 79.9994% | 2,962 |
| Total domestic deposits to total assets | 86.1980% | 3,255 |
| Equity capital to assets | 8.7166% | 5,434 |
| Core capital (leverage) ratio | 8.7408% | 5,335 |
| Tier 1 risk-based capital ratio | 11.2813% | 6,030 |
| Total risk-based capital ratio | 12.4411% | 6,026 |
| Memoranda: | ||
| Average total assets | $125,014,000 | 4,165 |
| Average earning assets | $112,352,000 | 4,205 |
| Average equity | $11,128,500 | 4,583 |
| Average total loans | $86,195,500 | 3,793 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8920% | 1,113 |
| Cost of funding earning assets | 0.5752% | 2,885 |
| Net interest margin | 4.3168% | 1,070 |
| Noninterest income to average assets | 1.1293% | 1,100 |
| Noninterest expense to average assets | 3.5572% | 1,537 |
| Loan and lease loss provision to assets | 0.1075% | 3,001 |
| Net operating income to assets | 1.3407% | 1,155 |
| Return on assets (ROA) | 1.3407% | 1,194 |
| Pretax return on assets | 1.3424% | 1,999 |
| Return on Equity (ROE) | 13.6862% | 1,020 |
| Retained earnings to average equity (ytd only) | 4.2329% | 3,166 |
| Net charge-offs to loans | 0.2986% | 2,199 |
| Credit loss provision to net charge-offs | 47.6190% | 3,871 |
| Earnings coverage of net charge-offs (x) | 6.4246% | 3,067 |
| Efficiency ratio | 71.0427% | 3,661 |
| Assets per employee ($millions) | 3.3359% | 5,215 |
| Cash dividends to net income (ytd only)* | 69.0715% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 3,357 |
| Loan loss allowance to noncurrent loans | 4,012.9032% | 166 |
| Noncurrent assets plus other real estate owned to assets | 1.6301% | 2,273 |
| Noncurrent loans to loans | 0.0365% | 6,139 |
| Net loans and leases to total assets | 67.8166% | 2,384 |
| Net loans and leases to deposits | 77.8907% | 2,736 |
| Net loans and leases to core deposits | 78.9039% | 3,250 |
| Total domestic deposits to total assets | 87.0664% | 2,689 |
| Equity capital to assets | 9.0918% | 4,931 |
| Core capital (leverage) ratio | 9.3781% | 4,438 |
| Tier 1 risk-based capital ratio | 11.7568% | 5,771 |
| Total risk-based capital ratio | 12.9111% | 5,755 |
| Memoranda: | ||
| Average total assets | $111,662,000 | 4,465 |
| Average earning assets | $100,306,800 | 4,507 |
| Average equity | $10,938,000 | 4,647 |
| Average total loans | $84,394,400 | 3,812 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,179 |
| Cost of funding earning assets | 0.6009% | 2,799 |
| Net interest margin | 4.2721% | 1,159 |
| Noninterest income to average assets | 1.2006% | 1,016 |
| Noninterest expense to average assets | 3.3431% | 1,968 |
| Loan and lease loss provision to assets | 0.1472% | 2,436 |
| Net operating income to assets | 1.5440% | 831 |
| Return on assets (ROA) | 1.5440% | 876 |
| Pretax return on assets | 1.5464% | 1,475 |
| Return on Equity (ROE) | 15.4469% | 723 |
| Retained earnings to average equity (ytd only) | 3.9875% | 3,858 |
| Net charge-offs to loans | 0.3307% | 1,889 |
| Credit loss provision to net charge-offs | 57.4163% | 3,349 |
| Earnings coverage of net charge-offs (x) | 6.6077% | 2,939 |
| Efficiency ratio | 66.3745% | 4,414 |
| Assets per employee ($millions) | 3.0875% | 5,702 |
| Cash dividends to net income (ytd only)* | 74.1859% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 3,234 |
| Loan loss allowance to noncurrent loans | 794.4444% | 593 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 1,983 |
| Noncurrent loans to loans | 0.1949% | 5,754 |
| Net loans and leases to total assets | 73.6296% | 1,339 |
| Net loans and leases to deposits | 83.5793% | 1,927 |
| Net loans and leases to core deposits | 84.5655% | 2,587 |
| Total domestic deposits to total assets | 88.0955% | 2,066 |
| Equity capital to assets | 9.9747% | 3,935 |
| Core capital (leverage) ratio | 9.8551% | 3,884 |
| Tier 1 risk-based capital ratio | 12.0978% | 5,721 |
| Total risk-based capital ratio | 13.2522% | 5,717 |
| Memoranda: | ||
| Average total assets | $108,720,000 | 4,566 |
| Average earning assets | $97,622,250 | 4,624 |
| Average equity | $10,867,000 | 4,715 |
| Average total loans | $84,255,500 | 3,854 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,234 |
| Cost of funding earning assets | 0.6193% | 2,775 |
| Net interest margin | 4.2216% | 1,219 |
| Noninterest income to average assets | 1.2566% | 982 |
| Noninterest expense to average assets | 3.3973% | 1,828 |
| Loan and lease loss provision to assets | 0.2224% | 1,704 |
| Net operating income to assets | 1.4253% | 1,027 |
| Return on assets (ROA) | 1.4253% | 1,116 |
| Pretax return on assets | 1.4271% | 1,844 |
| Return on Equity (ROE) | 14.2491% | 956 |
| Retained earnings to average equity (ytd only) | 0.3521% | 5,754 |
| Net charge-offs to loans | 0.3781% | 1,695 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 2,868 |
| Efficiency ratio | 67.3155% | 4,308 |
| Assets per employee ($millions) | 3.2028% | 5,470 |
| Cash dividends to net income (ytd only)* | 97.5293% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 3,356 |
| Loan loss allowance to noncurrent loans | 298.2143% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 2.6028% | 1,612 |
| Noncurrent loans to loans | 0.5204% | 4,965 |
| Net loans and leases to total assets | 80.1926% | 519 |
| Net loans and leases to deposits | 91.4701% | 1,016 |
| Net loans and leases to core deposits | 92.3421% | 1,675 |
| Total domestic deposits to total assets | 87.6709% | 2,457 |
| Equity capital to assets | 10.1672% | 3,702 |
| Core capital (leverage) ratio | 9.7849% | 3,814 |
| Tier 1 risk-based capital ratio | 11.2609% | 6,220 |
| Total risk-based capital ratio | 12.4154% | 6,233 |
| Memoranda: | ||
| Average total assets | $107,909,670 | 4,611 |
| Average earning assets | $96,882,330 | 4,675 |
| Average equity | $10,793,670 | 4,767 |
| Average total loans | $84,631,670 | 3,862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 1,420 |
| Cost of funding earning assets | 0.6312% | 2,836 |
| Net interest margin | 4.1132% | 1,420 |
| Noninterest income to average assets | 1.3649% | 826 |
| Noninterest expense to average assets | 3.2288% | 2,273 |
| Loan and lease loss provision to assets | 0.2201% | 1,680 |
| Net operating income to assets | 1.6181% | 680 |
| Return on assets (ROA) | 1.6181% | 741 |
| Pretax return on assets | 1.6218% | 1,253 |
| Return on Equity (ROE) | 16.3069% | 574 |
| Retained earnings to average equity (ytd only) | 0.9614% | 5,459 |
| Net charge-offs to loans | -0.0048% | 5,257 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6758% | 5,057 |
| Assets per employee ($millions) | 3.3955% | 5,215 |
| Cash dividends to net income (ytd only)* | 94.1043% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,973 |
| Loan loss allowance to noncurrent loans | 114.1382% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.6727% | 1,699 |
| Noncurrent loans to loans | 1.4961% | 3,312 |
| Net loans and leases to total assets | 76.1237% | 825 |
| Net loans and leases to deposits | 88.7993% | 1,070 |
| Net loans and leases to core deposits | 89.9338% | 1,704 |
| Total domestic deposits to total assets | 85.7256% | 3,667 |
| Equity capital to assets | 9.9672% | 4,188 |
| Core capital (leverage) ratio | 9.7534% | 3,727 |
| Tier 1 risk-based capital ratio | 11.6944% | 6,087 |
| Total risk-based capital ratio | 12.8525% | 6,100 |
| Memoranda: | ||
| Average total assets | $109,018,000 | 4,634 |
| Average earning assets | $98,221,000 | 4,680 |
| Average equity | $10,817,500 | 4,804 |
| Average total loans | $83,900,500 | 3,904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 1,477 |
| Cost of funding earning assets | 0.7262% | 3,281 |
| Net interest margin | 4.3049% | 1,394 |
| Noninterest income to average assets | 1.4856% | 717 |
| Noninterest expense to average assets | 3.5442% | 1,732 |
| Loan and lease loss provision to assets | 0.4415% | 1,435 |
| Net operating income to assets | 1.3697% | 1,153 |
| Return on assets (ROA) | 1.3697% | 1,277 |
| Pretax return on assets | 1.3715% | 2,136 |
| Return on Equity (ROE) | 14.0940% | 975 |
| Retained earnings to average equity (ytd only) | 5.5846% | 2,330 |
| Net charge-offs to loans | 0.1336% | 4,344 |
| Credit loss provision to net charge-offs | 428.5714% | 559 |
| Earnings coverage of net charge-offs (x) | 17.5982% | 1,496 |
| Efficiency ratio | 66.1573% | 4,469 |
| Assets per employee ($millions) | 3.1251% | 5,800 |
| Cash dividends to net income (ytd only)* | 60.3761% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 3,134 |
| Loan loss allowance to noncurrent loans | 106.0092% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 2.6541% | 1,822 |
| Noncurrent loans to loans | 1.5517% | 3,293 |
| Net loans and leases to total assets | 75.2194% | 1,022 |
| Net loans and leases to deposits | 86.5033% | 1,446 |
| Net loans and leases to core deposits | 89.7386% | 1,866 |
| Total domestic deposits to total assets | 86.9556% | 2,863 |
| Equity capital to assets | 9.8784% | 4,340 |
| Core capital (leverage) ratio | 9.7382% | 3,752 |
| Tier 1 risk-based capital ratio | 11.8167% | 5,898 |
| Total risk-based capital ratio | 12.9806% | 5,909 |
| Memoranda: | ||
| Average total assets | $108,713,000 | 4,619 |
| Average earning assets | $97,771,400 | 4,644 |
| Average equity | $10,564,800 | 4,853 |
| Average total loans | $83,821,600 | 3,916 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0561% | 1,543 |
| Cost of funding earning assets | 0.7330% | 3,489 |
| Net interest margin | 4.3231% | 1,414 |
| Noninterest income to average assets | 1.3954% | 768 |
| Noninterest expense to average assets | 3.0622% | 3,005 |
| Loan and lease loss provision to assets | 0.4422% | 1,425 |
| Net operating income to assets | 1.7786% | 595 |
| Return on assets (ROA) | 1.7786% | 662 |
| Pretax return on assets | 1.7811% | 1,093 |
| Return on Equity (ROE) | 18.3785% | 461 |
| Retained earnings to average equity (ytd only) | 8.8720% | 1,278 |
| Net charge-offs to loans | 0.0859% | 4,529 |
| Credit loss provision to net charge-offs | 666.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 33.5176% | 1,002 |
| Efficiency ratio | 57.9363% | 5,801 |
| Assets per employee ($millions) | 3.3612% | 5,302 |
| Cash dividends to net income (ytd only)* | 51.7264% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,680 |
| Loan loss allowance to noncurrent loans | 95.4248% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 2.9337% | 1,784 |
| Noncurrent loans to loans | 1.6381% | 3,341 |
| Net loans and leases to total assets | 74.6011% | 1,160 |
| Net loans and leases to deposits | 85.1235% | 1,711 |
| Net loans and leases to core deposits | 88.2172% | 2,195 |
| Total domestic deposits to total assets | 87.6386% | 2,268 |
| Equity capital to assets | 9.8460% | 4,718 |
| Core capital (leverage) ratio | 9.9771% | 3,577 |
| Tier 1 risk-based capital ratio | 11.8418% | 6,032 |
| Total risk-based capital ratio | 12.9961% | 6,065 |
| Memoranda: | ||
| Average total assets | $108,546,250 | 4,674 |
| Average earning assets | $97,675,000 | 4,698 |
| Average equity | $10,504,750 | 4,913 |
| Average total loans | $83,864,250 | 3,957 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 1,479 |
| Cost of funding earning assets | 0.7537% | 3,578 |
| Net interest margin | 4.3551% | 1,326 |
| Noninterest income to average assets | 1.2250% | 954 |
| Noninterest expense to average assets | 3.0662% | 3,029 |
| Loan and lease loss provision to assets | 0.4455% | 1,448 |
| Net operating income to assets | 1.6259% | 794 |
| Return on assets (ROA) | 1.6259% | 882 |
| Pretax return on assets | 1.6278% | 1,466 |
| Return on Equity (ROE) | 16.9014% | 650 |
| Retained earnings to average equity (ytd only) | 5.3251% | 3,077 |
| Net charge-offs to loans | 0.1289% | 3,898 |
| Credit loss provision to net charge-offs | 444.4444% | 670 |
| Earnings coverage of net charge-offs (x) | 20.6852% | 1,378 |
| Efficiency ratio | 59.6605% | 5,632 |
| Assets per employee ($millions) | 3.0943% | 5,865 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 4,343 |
| Loan loss allowance to noncurrent loans | 182.2901% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 2.7204% | 2,024 |
| Noncurrent loans to loans | 0.7847% | 4,936 |
| Net loans and leases to total assets | 78.2075% | 695 |
| Net loans and leases to deposits | 88.9685% | 1,259 |
| Net loans and leases to core deposits | 92.3611% | 1,748 |
| Total domestic deposits to total assets | 87.9047% | 2,209 |
| Equity capital to assets | 9.9709% | 4,376 |
| Core capital (leverage) ratio | 9.4199% | 4,269 |
| Tier 1 risk-based capital ratio | 11.5380% | 6,192 |
| Total risk-based capital ratio | 12.7070% | 6,219 |
| Memoranda: | ||
| Average total assets | $107,755,670 | 4,723 |
| Average earning assets | $96,851,670 | 4,738 |
| Average equity | $10,366,000 | 4,949 |
| Average total loans | $83,799,000 | 3,984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 1,740 |
| Cost of funding earning assets | 0.7688% | 3,707 |
| Net interest margin | 4.2749% | 1,544 |
| Noninterest income to average assets | 1.3207% | 818 |
| Noninterest expense to average assets | 2.9900% | 3,289 |
| Loan and lease loss provision to assets | 0.4402% | 1,419 |
| Net operating income to assets | 1.7426% | 669 |
| Return on assets (ROA) | 1.7426% | 746 |
| Pretax return on assets | 1.7463% | 1,204 |
| Return on Equity (ROE) | 18.4394% | 500 |
| Retained earnings to average equity (ytd only) | 8.7345% | 1,687 |
| Net charge-offs to loans | 0.0619% | 3,878 |
| Credit loss provision to net charge-offs | 923.0769% | 381 |
| Earnings coverage of net charge-offs (x) | 45.8462% | 675 |
| Efficiency ratio | 57.7605% | 5,952 |
| Assets per employee ($millions) | 3.4915% | 5,135 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,824 |
| Loan loss allowance to noncurrent loans | 87.2457% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 2.8829% | 2,015 |
| Noncurrent loans to loans | 1.5413% | 3,803 |
| Net loans and leases to total assets | 73.2171% | 1,179 |
| Net loans and leases to deposits | 83.7692% | 1,693 |
| Net loans and leases to core deposits | 86.5019% | 2,229 |
| Total domestic deposits to total assets | 87.4033% | 2,723 |
| Equity capital to assets | 9.3280% | 5,054 |
| Core capital (leverage) ratio | 9.3848% | 4,217 |
| Tier 1 risk-based capital ratio | 11.5693% | 6,244 |
| Total risk-based capital ratio | 12.7327% | 6,276 |
| Memoranda: | ||
| Average total assets | $109,030,500 | 4,729 |
| Average earning assets | $98,341,000 | 4,734 |
| Average equity | $10,304,000 | 4,971 |
| Average total loans | $83,962,000 | 4,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 2,216 |
| Cost of funding earning assets | 0.8463% | 4,494 |
| Net interest margin | 4.3165% | 1,648 |
| Noninterest income to average assets | 1.0943% | 1,108 |
| Noninterest expense to average assets | 3.2728% | 2,611 |
| Loan and lease loss provision to assets | 0.4425% | 2,385 |
| Net operating income to assets | 1.2566% | 1,362 |
| Return on assets (ROA) | 1.2566% | 1,459 |
| Pretax return on assets | 1.2584% | 2,278 |
| Return on Equity (ROE) | 13.7424% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.8139% | 1,148 |
| Net charge-offs to loans | 0.7268% | 2,334 |
| Credit loss provision to net charge-offs | 77.6699% | 4,567 |
| Earnings coverage of net charge-offs (x) | 2.9854% | 3,716 |
| Efficiency ratio | 65.8017% | 4,812 |
| Assets per employee ($millions) | 3.3229% | 5,445 |
| Cash dividends to net income (ytd only)* | 43.1401% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,459 |
| Loan loss allowance to noncurrent loans | 36.8286% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 3.6292% | 1,617 |
| Noncurrent loans to loans | 3.2198% | 2,006 |
| Net loans and leases to total assets | 78.9943% | 611 |
| Net loans and leases to deposits | 90.6380% | 1,084 |
| Net loans and leases to core deposits | 94.0090% | 1,697 |
| Total domestic deposits to total assets | 87.1536% | 2,667 |
| Equity capital to assets | 9.5793% | 4,775 |
| Core capital (leverage) ratio | 9.2914% | 4,345 |
| Tier 1 risk-based capital ratio | 11.2467% | 6,318 |
| Total risk-based capital ratio | 12.3689% | 6,374 |
| Memoranda: | ||
| Average total assets | $108,469,200 | 4,679 |
| Average earning assets | $97,487,000 | 4,700 |
| Average equity | $9,918,200 | 5,043 |
| Average total loans | $85,031,400 | 3,998 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 2,518 |
| Cost of funding earning assets | 0.8593% | 4,708 |
| Net interest margin | 4.2596% | 1,875 |
| Noninterest income to average assets | 1.0507% | 1,216 |
| Noninterest expense to average assets | 3.2047% | 2,817 |
| Loan and lease loss provision to assets | 0.4403% | 2,271 |
| Net operating income to assets | 1.2293% | 1,578 |
| Return on assets (ROA) | 1.2293% | 1,683 |
| Pretax return on assets | 1.2317% | 2,517 |
| Return on Equity (ROE) | 13.6020% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.4110% | 452 |
| Net charge-offs to loans | 0.3308% | 3,438 |
| Credit loss provision to net charge-offs | 170.6161% | 1,768 |
| Earnings coverage of net charge-offs (x) | 6.4786% | 2,545 |
| Efficiency ratio | 65.7136% | 4,767 |
| Assets per employee ($millions) | 3.4578% | 5,100 |
| Cash dividends to net income (ytd only)* | 8.7562% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,938 |
| Loan loss allowance to noncurrent loans | 66.0377% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.9787% | 2,156 |
| Noncurrent loans to loans | 2.3245% | 2,981 |
| Net loans and leases to total assets | 75.0730% | 1,131 |
| Net loans and leases to deposits | 84.6503% | 1,893 |
| Net loans and leases to core deposits | 87.6523% | 2,536 |
| Total domestic deposits to total assets | 88.6860% | 1,636 |
| Equity capital to assets | 9.3140% | 5,358 |
| Core capital (leverage) ratio | 9.4043% | 4,299 |
| Tier 1 risk-based capital ratio | 11.7038% | 6,102 |
| Total risk-based capital ratio | 12.8901% | 6,139 |
| Memoranda: | ||
| Average total assets | $109,003,250 | 4,696 |
| Average earning assets | $97,909,750 | 4,723 |
| Average equity | $9,851,250 | 5,078 |
| Average total loans | $85,038,000 | 4,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 2,530 |
| Cost of funding earning assets | 0.8743% | 4,870 |
| Net interest margin | 4.2609% | 1,795 |
| Noninterest income to average assets | 0.9608% | 1,429 |
| Noninterest expense to average assets | 3.0649% | 3,376 |
| Loan and lease loss provision to assets | 0.4426% | 2,225 |
| Net operating income to assets | 1.2798% | 1,370 |
| Return on assets (ROA) | 1.2798% | 1,437 |
| Pretax return on assets | 1.2816% | 2,199 |
| Return on Equity (ROE) | 14.3098% | 916 |
| Retained earnings to average equity (ytd only) | 12.9077% | 400 |
| Net charge-offs to loans | 0.3589% | 3,120 |
| Credit loss provision to net charge-offs | 156.8627% | 1,943 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,465 |
| Efficiency ratio | 63.9969% | 5,241 |
| Assets per employee ($millions) | 3.4814% | 4,988 |
| Cash dividends to net income (ytd only)* | 9.7983% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,379 |
| Loan loss allowance to noncurrent loans | 61.7117% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 3.2847% | 2,032 |
| Noncurrent loans to loans | 2.3384% | 3,052 |
| Net loans and leases to total assets | 78.0269% | 779 |
| Net loans and leases to deposits | 88.5702% | 1,416 |
| Net loans and leases to core deposits | 92.1082% | 2,111 |
| Total domestic deposits to total assets | 88.0961% | 2,085 |
| Equity capital to assets | 9.2798% | 5,170 |
| Core capital (leverage) ratio | 8.8449% | 4,972 |
| Tier 1 risk-based capital ratio | 11.2341% | 6,363 |
| Total risk-based capital ratio | 12.4241% | 6,395 |
| Memoranda: | ||
| Average total assets | $108,454,000 | 4,747 |
| Average earning assets | $97,445,000 | 4,774 |
| Average equity | $9,699,670 | 5,123 |
| Average total loans | $85,262,670 | 4,062 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 3,360 |
| Cost of funding earning assets | 0.8803% | 5,064 |
| Net interest margin | 4.0616% | 2,426 |
| Noninterest income to average assets | 0.9603% | 1,430 |
| Noninterest expense to average assets | 3.0537% | 3,443 |
| Loan and lease loss provision to assets | 0.4415% | 1,996 |
| Net operating income to assets | 1.1111% | 1,803 |
| Return on assets (ROA) | 1.1111% | 1,859 |
| Pretax return on assets | 1.1148% | 2,702 |
| Return on Equity (ROE) | 12.6598% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.6598% | 644 |
| Net charge-offs to loans | 0.6058% | 1,985 |
| Credit loss provision to net charge-offs | 93.0233% | 2,881 |
| Earnings coverage of net charge-offs (x) | 3.2791% | 2,791 |
| Efficiency ratio | 66.2410% | 4,995 |
| Assets per employee ($millions) | 3.4432% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 4,894 |
| Loan loss allowance to noncurrent loans | 60.8021% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.0864% | 2,235 |
| Noncurrent loans to loans | 2.2241% | 3,289 |
| Net loans and leases to total assets | 72.9950% | 1,512 |
| Net loans and leases to deposits | 83.9979% | 2,028 |
| Net loans and leases to core deposits | 87.9051% | 2,612 |
| Total domestic deposits to total assets | 86.9010% | 2,994 |
| Equity capital to assets | 8.5305% | 5,866 |
| Core capital (leverage) ratio | 8.9322% | 4,722 |
| Tier 1 risk-based capital ratio | 10.8187% | 6,631 |
| Total risk-based capital ratio | 11.9987% | 6,650 |
| Memoranda: | ||
| Average total assets | $108,719,500 | 4,769 |
| Average earning assets | $97,694,500 | 4,794 |
| Average equity | $9,542,000 | 5,161 |
| Average total loans | $85,173,000 | 4,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5665% | 2,022 |
| Cost of funding earning assets | 2.2098% | 297 |
| Net interest margin | 3.3566% | 5,771 |
| Noninterest income to average assets | 1.3323% | 826 |
| Noninterest expense to average assets | 3.3578% | 2,562 |
| Loan and lease loss provision to assets | 0.6295% | 2,612 |
| Net operating income to assets | 0.2044% | 5,255 |
| Return on assets (ROA) | 0.2044% | 5,425 |
| Pretax return on assets | 0.2063% | 5,478 |
| Return on Equity (ROE) | 2.2675% | 5,272 |
| Retained earnings to average equity (ytd only) | -0.0535% | 5,603 |
| Net charge-offs to loans | 0.8436% | 2,522 |
| Credit loss provision to net charge-offs | 89.0859% | 5,167 |
| Earnings coverage of net charge-offs (x) | 1.1828% | 4,921 |
| Efficiency ratio | 80.0690% | 2,405 |
| Assets per employee ($millions) | 3.3488% | 5,310 |
| Cash dividends to net income (ytd only)* | 102.3585% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 4,860 |
| Loan loss allowance to noncurrent loans | 46.3030% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 3.6778% | 1,871 |
| Noncurrent loans to loans | 2.8690% | 2,655 |
| Net loans and leases to total assets | 81.9953% | 449 |
| Net loans and leases to deposits | 90.4273% | 1,472 |
| Net loans and leases to core deposits | 92.4204% | 2,446 |
| Total domestic deposits to total assets | 90.6755% | 760 |
| Equity capital to assets | 9.0462% | 5,075 |
| Core capital (leverage) ratio | 8.5564% | 5,263 |
| Tier 1 risk-based capital ratio | 10.4023% | 6,758 |
| Total risk-based capital ratio | 11.5820% | 6,780 |
| Memoranda: | ||
| Average total assets | $103,729,600 | 4,881 |
| Average earning assets | $88,422,600 | 5,068 |
| Average equity | $9,349,400 | 5,315 |
| Average total loans | $86,890,200 | 4,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6252% | 1,967 |
| Cost of funding earning assets | 2.2660% | 307 |
| Net interest margin | 3.3592% | 5,809 |
| Noninterest income to average assets | 1.1455% | 1,068 |
| Noninterest expense to average assets | 3.2693% | 2,677 |
| Loan and lease loss provision to assets | 0.4628% | 3,160 |
| Net operating income to assets | 0.2391% | 5,393 |
| Return on assets (ROA) | 0.2391% | 5,554 |
| Pretax return on assets | 0.2417% | 5,638 |
| Return on Equity (ROE) | 2.6554% | 5,364 |
| Retained earnings to average equity (ytd only) | -0.4426% | 5,904 |
| Net charge-offs to loans | 0.7720% | 2,501 |
| Credit loss provision to net charge-offs | 71.4286% | 5,375 |
| Earnings coverage of net charge-offs (x) | 1.0873% | 4,967 |
| Efficiency ratio | 82.2711% | 2,033 |
| Assets per employee ($millions) | 2.9833% | 6,184 |
| Cash dividends to net income (ytd only)* | 116.6700% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 5,214 |
| Loan loss allowance to noncurrent loans | 32.5120% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 4.4658% | 1,521 |
| Noncurrent loans to loans | 3.8517% | 1,982 |
| Net loans and leases to total assets | 81.7135% | 529 |
| Net loans and leases to deposits | 89.9860% | 1,718 |
| Net loans and leases to core deposits | 92.2280% | 2,767 |
| Total domestic deposits to total assets | 90.8070% | 520 |
| Equity capital to assets | 8.9699% | 5,620 |
| Core capital (leverage) ratio | 8.7736% | 5,055 |
| Tier 1 risk-based capital ratio | 10.2394% | 6,939 |
| Total risk-based capital ratio | 11.4187% | 6,953 |
| Memoranda: | ||
| Average total assets | $103,709,000 | 4,942 |
| Average earning assets | $87,319,000 | 5,165 |
| Average equity | $9,339,000 | 5,396 |
| Average total loans | $87,046,000 | 4,195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5556% | 2,313 |
| Cost of funding earning assets | 2.2705% | 370 |
| Net interest margin | 3.2851% | 6,065 |
| Noninterest income to average assets | 1.0322% | 1,277 |
| Noninterest expense to average assets | 3.3013% | 2,557 |
| Loan and lease loss provision to assets | 0.4639% | 2,999 |
| Net operating income to assets | 0.0561% | 5,980 |
| Return on assets (ROA) | 0.0561% | 6,080 |
| Pretax return on assets | 0.0580% | 6,057 |
| Return on Equity (ROE) | 0.6217% | 6,056 |
| Retained earnings to average equity (ytd only) | -4.0300% | 6,442 |
| Net charge-offs to loans | 0.9512% | 1,936 |
| Credit loss provision to net charge-offs | 57.8313% | 5,257 |
| Earnings coverage of net charge-offs (x) | 0.6506% | 5,093 |
| Efficiency ratio | 86.3498% | 1,668 |
| Assets per employee ($millions) | 3.2758% | 5,495 |
| Cash dividends to net income (ytd only)* | 748.2759% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,470 |
| Loan loss allowance to noncurrent loans | 27.1086% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 4.5705% | 1,440 |
| Noncurrent loans to loans | 4.4161% | 1,654 |
| Net loans and leases to total assets | 82.7501% | 461 |
| Net loans and leases to deposits | 90.9274% | 1,702 |
| Net loans and leases to core deposits | 93.6688% | 2,771 |
| Total domestic deposits to total assets | 91.0068% | 480 |
| Equity capital to assets | 8.7862% | 5,774 |
| Core capital (leverage) ratio | 8.5508% | 5,323 |
| Tier 1 risk-based capital ratio | 9.9304% | 7,067 |
| Total risk-based capital ratio | 11.0705% | 7,105 |
| Memoranda: | ||
| Average total assets | $103,473,330 | 4,978 |
| Average earning assets | $87,911,670 | 5,180 |
| Average equity | $9,330,000 | 5,404 |
| Average total loans | $87,260,000 | 4,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 2,841 |
| Cost of funding earning assets | 2.2764% | 460 |
| Net interest margin | 3.1679% | 6,390 |
| Noninterest income to average assets | 0.9183% | 1,561 |
| Noninterest expense to average assets | 3.2413% | 2,729 |
| Loan and lease loss provision to assets | 0.4669% | 2,635 |
| Net operating income to assets | -0.0661% | 6,392 |
| Return on assets (ROA) | -0.0661% | 6,475 |
| Pretax return on assets | -0.0661% | 6,424 |
| Return on Equity (ROE) | -0.7242% | 6,491 |
| Retained earnings to average equity (ytd only) | -0.7242% | 6,000 |
| Net charge-offs to loans | 0.3357% | 3,069 |
| Credit loss provision to net charge-offs | 164.3836% | 2,208 |
| Earnings coverage of net charge-offs (x) | 1.4110% | 3,902 |
| Efficiency ratio | 88.9957% | 1,507 |
| Assets per employee ($millions) | 3.4519% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,037 |
| Loan loss allowance to noncurrent loans | 35.8289% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 4.6323% | 1,444 |
| Noncurrent loans to loans | 4.1184% | 1,882 |
| Net loans and leases to total assets | 82.0802% | 586 |
| Net loans and leases to deposits | 90.4813% | 1,830 |
| Net loans and leases to core deposits | 93.2436% | 2,943 |
| Total domestic deposits to total assets | 90.7152% | 647 |
| Equity capital to assets | 9.0589% | 5,190 |
| Core capital (leverage) ratio | 9.0994% | 4,376 |
| Tier 1 risk-based capital ratio | 10.2477% | 6,847 |
| Total risk-based capital ratio | 11.4230% | 6,896 |
| Memoranda: | ||
| Average total assets | $102,798,000 | 5,068 |
| Average earning assets | $88,386,000 | 5,222 |
| Average equity | $9,390,000 | 5,426 |
| Average total loans | $86,993,500 | 4,289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9027% | 2,220 |
| Cost of funding earning assets | 2.4109% | 1,266 |
| Net interest margin | 3.4918% | 4,997 |
| Noninterest income to average assets | 1.2919% | 898 |
| Noninterest expense to average assets | 3.3342% | 2,894 |
| Loan and lease loss provision to assets | 0.5079% | 3,837 |
| Net operating income to assets | 0.5000% | 3,729 |
| Return on assets (ROA) | 0.5000% | 3,824 |
| Pretax return on assets | 0.5020% | 4,180 |
| Return on Equity (ROE) | 5.4018% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.0700% | 2,372 |
| Net charge-offs to loans | 0.1280% | 5,918 |
| Credit loss provision to net charge-offs | 451.7544% | 689 |
| Earnings coverage of net charge-offs (x) | 8.9825% | 1,858 |
| Efficiency ratio | 76.7537% | 3,398 |
| Assets per employee ($millions) | 3.4013% | 5,251 |
| Cash dividends to net income (ytd only)* | 24.6548% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,251 |
| Loan loss allowance to noncurrent loans | 48.6315% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.4261% | 1,964 |
| Noncurrent loans to loans | 2.8741% | 2,682 |
| Net loans and leases to total assets | 84.7599% | 371 |
| Net loans and leases to deposits | 93.7347% | 1,634 |
| Net loans and leases to core deposits | 102.6917% | 3,722 |
| Total domestic deposits to total assets | 90.4253% | 770 |
| Equity capital to assets | 9.2111% | 4,831 |
| Core capital (leverage) ratio | 9.2155% | 4,092 |
| Tier 1 risk-based capital ratio | 10.1580% | 6,728 |
| Total risk-based capital ratio | 11.3323% | 6,764 |
| Memoranda: | ||
| Average total assets | $101,404,000 | 5,053 |
| Average earning assets | $88,637,400 | 5,165 |
| Average equity | $9,385,800 | 5,480 |
| Average total loans | $89,053,400 | 4,239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9273% | 2,326 |
| Cost of funding earning assets | 2.4339% | 1,513 |
| Net interest margin | 3.4934% | 4,888 |
| Noninterest income to average assets | 1.3959% | 782 |
| Noninterest expense to average assets | 3.1882% | 3,342 |
| Loan and lease loss provision to assets | 0.3556% | 4,191 |
| Net operating income to assets | 0.9205% | 2,342 |
| Return on assets (ROA) | 0.9205% | 2,417 |
| Pretax return on assets | 0.9218% | 3,160 |
| Return on Equity (ROE) | 9.9332% | 1,937 |
| Retained earnings to average equity (ytd only) | 9.9332% | 650 |
| Net charge-offs to loans | 0.0776% | 5,903 |
| Credit loss provision to net charge-offs | 519.2308% | 756 |
| Earnings coverage of net charge-offs (x) | 18.6543% | 1,339 |
| Efficiency ratio | 71.3949% | 4,346 |
| Assets per employee ($millions) | 3.1067% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 5,140 |
| Loan loss allowance to noncurrent loans | 42.7109% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.3808% | 1,982 |
| Noncurrent loans to loans | 2.7997% | 2,713 |
| Net loans and leases to total assets | 86.6891% | 295 |
| Net loans and leases to deposits | 96.4544% | 1,514 |
| Net loans and leases to core deposits | 105.1526% | 3,801 |
| Total domestic deposits to total assets | 89.8758% | 818 |
| Equity capital to assets | 9.7732% | 4,387 |
| Core capital (leverage) ratio | 9.3143% | 4,168 |
| Tier 1 risk-based capital ratio | 10.7553% | 6,206 |
| Total risk-based capital ratio | 11.9167% | 6,262 |
| Memoranda: | ||
| Average total assets | $101,245,000 | 5,093 |
| Average earning assets | $88,965,000 | 5,194 |
| Average equity | $9,382,500 | 5,525 |
| Average total loans | $89,388,000 | 4,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9251% | 2,478 |
| Cost of funding earning assets | 2.4414% | 1,811 |
| Net interest margin | 3.4836% | 4,873 |
| Noninterest income to average assets | 1.3941% | 786 |
| Noninterest expense to average assets | 3.1339% | 3,564 |
| Loan and lease loss provision to assets | 0.3534% | 3,806 |
| Net operating income to assets | 0.9700% | 2,210 |
| Return on assets (ROA) | 0.9700% | 2,308 |
| Pretax return on assets | 0.9720% | 3,105 |
| Return on Equity (ROE) | 10.6565% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.6565% | 619 |
| Net charge-offs to loans | -0.0044% | 7,519 |
| Credit loss provision to net charge-offs | -9,000.0000% | 7,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2774% | 4,718 |
| Assets per employee ($millions) | 3.5521% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,350 |
| Loan loss allowance to noncurrent loans | 62.9769% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.4192% | 2,679 |
| Noncurrent loans to loans | 1.8047% | 3,795 |
| Net loans and leases to total assets | 85.0346% | 504 |
| Net loans and leases to deposits | 94.0325% | 2,085 |
| Net loans and leases to core deposits | 102.1611% | 4,272 |
| Total domestic deposits to total assets | 90.4311% | 655 |
| Equity capital to assets | 9.2330% | 4,960 |
| Core capital (leverage) ratio | 9.2786% | 4,200 |
| Tier 1 risk-based capital ratio | 10.4269% | 6,448 |
| Total risk-based capital ratio | 11.5370% | 6,546 |
| Memoranda: | ||
| Average total assets | $101,855,000 | 5,107 |
| Average earning assets | $89,619,000 | 5,212 |
| Average equity | $9,271,330 | 5,590 |
| Average total loans | $90,109,000 | 4,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9135% | 2,735 |
| Cost of funding earning assets | 2.4592% | 2,072 |
| Net interest margin | 3.4543% | 4,924 |
| Noninterest income to average assets | 1.3626% | 766 |
| Noninterest expense to average assets | 2.9898% | 3,813 |
| Loan and lease loss provision to assets | 0.3555% | 3,187 |
| Net operating income to assets | 1.1019% | 1,957 |
| Return on assets (ROA) | 1.1019% | 2,082 |
| Pretax return on assets | 1.1019% | 2,981 |
| Return on Equity (ROE) | 12.1947% | 1,601 |
| Retained earnings to average equity (ytd only) | 12.1947% | 755 |
| Net charge-offs to loans | -0.1893% | 8,002 |
| Credit loss provision to net charge-offs | -209.3023% | 6,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2291% | 5,097 |
| Assets per employee ($millions) | 3.1121% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 5,753 |
| Loan loss allowance to noncurrent loans | 88.7037% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 2,933 |
| Noncurrent loans to loans | 1.1945% | 4,584 |
| Net loans and leases to total assets | 89.8290% | 147 |
| Net loans and leases to deposits | 103.4926% | 1,048 |
| Net loans and leases to core deposits | 112.2730% | 3,191 |
| Total domestic deposits to total assets | 86.7975% | 2,314 |
| Equity capital to assets | 9.3285% | 4,896 |
| Core capital (leverage) ratio | 8.9780% | 4,744 |
| Tier 1 risk-based capital ratio | 10.1212% | 6,787 |
| Total risk-based capital ratio | 11.1657% | 6,914 |
| Memoranda: | ||
| Average total assets | $101,277,000 | 5,141 |
| Average earning assets | $90,437,000 | 5,209 |
| Average equity | $9,151,500 | 5,637 |
| Average total loans | $90,862,500 | 4,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7972% | 1,685 |
| Cost of funding earning assets | 2.9174% | 2,188 |
| Net interest margin | 3.8798% | 3,660 |
| Noninterest income to average assets | 1.0575% | 1,403 |
| Noninterest expense to average assets | 3.2183% | 3,269 |
| Loan and lease loss provision to assets | 0.7152% | 2,067 |
| Net operating income to assets | 0.6197% | 4,227 |
| Return on assets (ROA) | 0.6197% | 4,078 |
| Pretax return on assets | 0.6217% | 4,621 |
| Return on Equity (ROE) | 7.0769% | 3,490 |
| Retained earnings to average equity (ytd only) | -1.1950% | 5,654 |
| Net charge-offs to loans | 0.8619% | 1,449 |
| Credit loss provision to net charge-offs | 92.6316% | 5,610 |
| Earnings coverage of net charge-offs (x) | 1.7316% | 5,211 |
| Efficiency ratio | 70.6512% | 4,211 |
| Assets per employee ($millions) | 3.2177% | 5,435 |
| Cash dividends to net income (ytd only)* | 116.8852% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,661 |
| Loan loss allowance to noncurrent loans | 47.4957% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 2.4260% | 2,004 |
| Noncurrent loans to loans | 1.9023% | 2,897 |
| Net loans and leases to total assets | 87.8767% | 380 |
| Net loans and leases to deposits | 96.6265% | 2,349 |
| Net loans and leases to core deposits | 104.0871% | 4,386 |
| Total domestic deposits to total assets | 90.9447% | 346 |
| Equity capital to assets | 8.7533% | 5,725 |
| Core capital (leverage) ratio | 8.8197% | 5,008 |
| Tier 1 risk-based capital ratio | 9.6412% | 7,157 |
| Total risk-based capital ratio | 10.5266% | 7,471 |
| Memoranda: | ||
| Average total assets | $98,437,000 | 5,100 |
| Average earning assets | $88,742,600 | 5,124 |
| Average equity | $8,619,600 | 5,866 |
| Average total loans | $88,181,000 | 4,285 |