Home > Security Federal Bank > Performance and Condition Ratios
Security Federal Bank, Performance and Condition Ratios
| 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 | 4.2083% | 2,115 |
| Cost of funding earning assets | 1.0039% | 587 |
| Net interest margin | 3.2044% | 3,349 |
| Noninterest income to average assets | 0.6517% | 2,020 |
| Noninterest expense to average assets | 2.9644% | 1,520 |
| Loan and lease loss provision to assets | 0.0016% | 4,310 |
| Net operating income to assets | 0.5462% | 3,914 |
| Return on assets (ROA) | 0.5462% | 4,011 |
| Pretax return on assets | 0.6069% | 4,067 |
| Return on Equity (ROE) | 3.4064% | 4,285 |
| Retained earnings to average equity (ytd only) | -1.6733% | 4,684 |
| Net charge-offs to loans | -0.0299% | 4,533 |
| Credit loss provision to net charge-offs | -7.6923% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9683% | 696 |
| Assets per employee ($millions) | 3.7015% | 4,563 |
| Cash dividends to net income (ytd only)* | 149.1228% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,473 |
| Loan loss allowance to noncurrent loans | 101.3245% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 728 |
| Noncurrent loans to loans | 1.0828% | 1,308 |
| Net loans and leases to total assets | 65.7545% | 2,128 |
| Net loans and leases to deposits | 91.1848% | 841 |
| Net loans and leases to core deposits | 105.2289% | 678 |
| Total domestic deposits to total assets | 72.1112% | 4,705 |
| Equity capital to assets | 15.7489% | 456 |
| Core capital (leverage) ratio | 15.8431% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6689% | 299 |
| Memoranda: | ||
| Average total assets | $62,609,200 | 4,476 |
| Average earning assets | $57,077,800 | 4,480 |
| Average equity | $10,040,000 | 4,185 |
| Average total loans | $43,432,200 | 4,248 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,333 |
| Cost of funding earning assets | 1.0993% | 543 |
| Net interest margin | 3.1228% | 3,682 |
| Noninterest income to average assets | 0.6759% | 1,872 |
| Noninterest expense to average assets | 2.9276% | 1,622 |
| Loan and lease loss provision to assets | -0.0016% | 4,957 |
| Net operating income to assets | 0.5096% | 4,001 |
| Return on assets (ROA) | 0.5096% | 4,095 |
| Pretax return on assets | 0.6034% | 4,093 |
| Return on Equity (ROE) | 3.1637% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.0457% | 4,243 |
| Net charge-offs to loans | 0.0122% | 2,676 |
| Credit loss provision to net charge-offs | -25.0000% | 3,509 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 987 |
| Efficiency ratio | 82.9607% | 677 |
| Assets per employee ($millions) | 3.6631% | 4,573 |
| Cash dividends to net income (ytd only)* | 66.9456% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,581 |
| Loan loss allowance to noncurrent loans | 96.4912% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 774 |
| Noncurrent loans to loans | 1.0638% | 1,405 |
| Net loans and leases to total assets | 68.1301% | 2,227 |
| Net loans and leases to deposits | 95.5541% | 790 |
| Net loans and leases to core deposits | 110.9815% | 664 |
| Total domestic deposits to total assets | 71.3001% | 4,706 |
| Equity capital to assets | 16.3219% | 431 |
| Core capital (leverage) ratio | 16.2151% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8109% | 312 |
| Memoranda: | ||
| Average total assets | $62,530,250 | 4,496 |
| Average earning assets | $57,127,000 | 4,497 |
| Average equity | $10,072,500 | 4,198 |
| Average total loans | $43,831,500 | 4,259 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 2,568 |
| Cost of funding earning assets | 1.1730% | 557 |
| Net interest margin | 3.0897% | 3,922 |
| Noninterest income to average assets | 0.6516% | 1,932 |
| Noninterest expense to average assets | 2.8906% | 1,852 |
| Loan and lease loss provision to assets | 0.0160% | 4,033 |
| Net operating income to assets | 0.4855% | 4,055 |
| Return on assets (ROA) | 0.4855% | 4,126 |
| Pretax return on assets | 0.5717% | 4,115 |
| Return on Equity (ROE) | 3.0273% | 4,348 |
| Retained earnings to average equity (ytd only) | -0.1593% | 4,338 |
| Net charge-offs to loans | 0.0091% | 2,620 |
| Credit loss provision to net charge-offs | 250.0000% | 1,750 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 736 |
| Efficiency ratio | 83.1038% | 693 |
| Assets per employee ($millions) | 3.8651% | 4,423 |
| Cash dividends to net income (ytd only)* | 105.2632% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,302 |
| Loan loss allowance to noncurrent loans | 87.1595% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 740 |
| Noncurrent loans to loans | 1.2097% | 1,299 |
| Net loans and leases to total assets | 67.9840% | 2,355 |
| Net loans and leases to deposits | 95.4220% | 841 |
| Net loans and leases to core deposits | 112.6467% | 643 |
| Total domestic deposits to total assets | 71.2456% | 4,745 |
| Equity capital to assets | 16.3257% | 430 |
| Core capital (leverage) ratio | 15.6525% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0912% | 302 |
| Memoranda: | ||
| Average total assets | $62,616,333 | 4,499 |
| Average earning assets | $57,288,000 | 4,506 |
| Average equity | $10,042,000 | 4,213 |
| Average total loans | $44,153,333 | 4,255 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 2,645 |
| Cost of funding earning assets | 1.1954% | 787 |
| Net interest margin | 3.1970% | 3,860 |
| Noninterest income to average assets | 0.2222% | 4,223 |
| Noninterest expense to average assets | 2.9014% | 2,118 |
| Loan and lease loss provision to assets | 0.0254% | 3,478 |
| Net operating income to assets | 0.2222% | 4,489 |
| Return on assets (ROA) | 0.2222% | 4,509 |
| Pretax return on assets | 0.2159% | 4,552 |
| Return on Equity (ROE) | 1.3979% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.3979% | 3,635 |
| Net charge-offs to loans | 0.0089% | 2,242 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,052 |
| Efficiency ratio | 92.3232% | 417 |
| Assets per employee ($millions) | 3.7552% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,659 |
| Loan loss allowance to noncurrent loans | 85.9885% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 878 |
| Noncurrent loans to loans | 1.1731% | 1,408 |
| Net loans and leases to total assets | 68.8701% | 2,413 |
| Net loans and leases to deposits | 97.1109% | 808 |
| Net loans and leases to core deposits | 125.3736% | 344 |
| Total domestic deposits to total assets | 70.9190% | 4,816 |
| Equity capital to assets | 15.6550% | 643 |
| Core capital (leverage) ratio | 16.3023% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6438% | 342 |
| Memoranda: | ||
| Average total assets | $63,004,000 | 4,510 |
| Average earning assets | $57,553,500 | 4,518 |
| Average equity | $10,015,000 | 4,241 |
| Average total loans | $44,985,000 | 4,250 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 2,435 |
| Cost of funding earning assets | 1.3509% | 656 |
| Net interest margin | 3.3087% | 3,971 |
| Noninterest income to average assets | 0.3602% | 3,544 |
| Noninterest expense to average assets | 3.0053% | 2,001 |
| Loan and lease loss provision to assets | -0.0107% | 4,936 |
| Net operating income to assets | 0.3417% | 4,694 |
| Return on assets (ROA) | 0.3739% | 4,673 |
| Pretax return on assets | 0.4228% | 4,671 |
| Return on Equity (ROE) | 2.4599% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,696 |
| Net charge-offs to loans | -0.0173% | 4,596 |
| Credit loss provision to net charge-offs | 87.5000% | 2,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8939% | 398 |
| Assets per employee ($millions) | 3.6570% | 4,313 |
| Cash dividends to net income (ytd only)* | 100.0000% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,621 |
| Loan loss allowance to noncurrent loans | 52.0468% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 437 |
| Noncurrent loans to loans | 1.8768% | 703 |
| Net loans and leases to total assets | 72.5619% | 1,998 |
| Net loans and leases to deposits | 95.8727% | 954 |
| Net loans and leases to core deposits | 122.6442% | 411 |
| Total domestic deposits to total assets | 75.6856% | 4,634 |
| Equity capital to assets | 16.1383% | 578 |
| Core capital (leverage) ratio | 16.0384% | 516 |
| Tier 1 risk-based capital ratio | 25.5558% | 711 |
| Total risk-based capital ratio | 26.6955% | 702 |
| Memoranda: | ||
| Average total assets | $65,518,600 | 4,506 |
| Average earning assets | $59,812,400 | 4,516 |
| Average equity | $9,959,800 | 4,246 |
| Average total loans | $46,283,400 | 4,255 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 2,414 |
| Cost of funding earning assets | 1.3753% | 622 |
| Net interest margin | 3.3262% | 4,047 |
| Noninterest income to average assets | 0.3295% | 3,774 |
| Noninterest expense to average assets | 3.0240% | 1,910 |
| Loan and lease loss provision to assets | -0.0141% | 5,065 |
| Net operating income to assets | 0.3228% | 4,815 |
| Return on assets (ROA) | 0.3657% | 4,800 |
| Pretax return on assets | 0.4099% | 4,802 |
| Return on Equity (ROE) | 2.4409% | 4,851 |
| Retained earnings to average equity (ytd only) | -0.8449% | 4,846 |
| Net charge-offs to loans | -0.0172% | 4,548 |
| Credit loss provision to net charge-offs | 116.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6901% | 333 |
| Assets per employee ($millions) | 3.6863% | 4,289 |
| Cash dividends to net income (ytd only)* | 134.6163% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,791 |
| Loan loss allowance to noncurrent loans | 149.1582% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 2,478 |
| Noncurrent loans to loans | 0.6425% | 2,353 |
| Net loans and leases to total assets | 73.0528% | 1,989 |
| Net loans and leases to deposits | 96.2898% | 982 |
| Net loans and leases to core deposits | 122.6984% | 449 |
| Total domestic deposits to total assets | 75.8677% | 4,663 |
| Equity capital to assets | 15.9239% | 646 |
| Core capital (leverage) ratio | 15.0025% | 739 |
| Tier 1 risk-based capital ratio | 25.5107% | 735 |
| Total risk-based capital ratio | 26.6505% | 736 |
| Memoranda: | ||
| Average total assets | $66,356,000 | 4,546 |
| Average earning assets | $60,687,750 | 4,558 |
| Average equity | $9,941,500 | 4,291 |
| Average total loans | $46,465,250 | 4,300 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 2,605 |
| Cost of funding earning assets | 1.3436% | 655 |
| Net interest margin | 3.2782% | 4,182 |
| Noninterest income to average assets | 0.3256% | 3,761 |
| Noninterest expense to average assets | 2.9567% | 2,120 |
| Loan and lease loss provision to assets | 0.0059% | 3,612 |
| Net operating income to assets | 0.3245% | 4,841 |
| Return on assets (ROA) | 0.3877% | 4,773 |
| Pretax return on assets | 0.4380% | 4,777 |
| Return on Equity (ROE) | 2.6383% | 4,853 |
| Retained earnings to average equity (ytd only) | -2.2959% | 4,932 |
| Net charge-offs to loans | -0.0172% | 4,502 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8000% | 400 |
| Assets per employee ($millions) | 4.1504% | 3,644 |
| Cash dividends to net income (ytd only)* | 187.0229% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,816 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,590 |
| Noncurrent loans to loans | 0.6418% | 2,336 |
| Net loans and leases to total assets | 69.7095% | 2,564 |
| Net loans and leases to deposits | 90.0237% | 1,736 |
| Net loans and leases to core deposits | 123.6134% | 440 |
| Total domestic deposits to total assets | 77.4346% | 4,498 |
| Equity capital to assets | 14.9563% | 826 |
| Core capital (leverage) ratio | 14.6047% | 798 |
| Tier 1 risk-based capital ratio | 24.3976% | 811 |
| Total risk-based capital ratio | 25.5085% | 807 |
| Memoranda: | ||
| Average total assets | $67,575,000 | 4,558 |
| Average earning assets | $61,923,330 | 4,571 |
| Average equity | $9,930,670 | 4,308 |
| Average total loans | $46,546,000 | 4,324 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 2,755 |
| Cost of funding earning assets | 1.2740% | 715 |
| Net interest margin | 3.2587% | 4,256 |
| Noninterest income to average assets | 0.3404% | 3,584 |
| Noninterest expense to average assets | 3.0047% | 1,985 |
| Loan and lease loss provision to assets | 0.0176% | 3,210 |
| Net operating income to assets | 0.2876% | 4,915 |
| Return on assets (ROA) | 0.2876% | 4,923 |
| Pretax return on assets | 0.3052% | 4,955 |
| Return on Equity (ROE) | 1.9738% | 4,970 |
| Retained earnings to average equity (ytd only) | 1.9738% | 4,075 |
| Net charge-offs to loans | -0.0172% | 4,430 |
| Credit loss provision to net charge-offs | -150.0000% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2998% | 384 |
| Assets per employee ($millions) | 4.0162% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,915 |
| Loan loss allowance to noncurrent loans | 67.4174% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 1,385 |
| Noncurrent loans to loans | 1.4282% | 1,136 |
| Net loans and leases to total assets | 67.6431% | 2,811 |
| Net loans and leases to deposits | 90.2595% | 1,595 |
| Net loans and leases to core deposits | 124.1372% | 422 |
| Total domestic deposits to total assets | 74.9429% | 4,864 |
| Equity capital to assets | 14.6376% | 840 |
| Core capital (leverage) ratio | 14.7052% | 766 |
| Tier 1 risk-based capital ratio | 24.4274% | 805 |
| Total risk-based capital ratio | 25.5214% | 800 |
| Memoranda: | ||
| Average total assets | $68,159,000 | 4,599 |
| Average earning assets | $62,478,000 | 4,609 |
| Average equity | $9,930,000 | 4,337 |
| Average total loans | $46,448,000 | 4,375 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 2,125 |
| Cost of funding earning assets | 1.0200% | 700 |
| Net interest margin | 3.5813% | 3,445 |
| Noninterest income to average assets | 0.4028% | 3,421 |
| Noninterest expense to average assets | 2.9742% | 2,117 |
| Loan and lease loss provision to assets | 0.0297% | 3,589 |
| Net operating income to assets | 0.5633% | 4,513 |
| Return on assets (ROA) | 0.5633% | 4,518 |
| Pretax return on assets | 0.6763% | 4,474 |
| Return on Equity (ROE) | 3.8067% | 4,755 |
| Retained earnings to average equity (ytd only) | -0.7131% | 5,065 |
| Net charge-offs to loans | 0.0288% | 2,827 |
| Credit loss provision to net charge-offs | 153.8462% | 1,792 |
| Earnings coverage of net charge-offs (x) | 36.5385% | 1,415 |
| Efficiency ratio | 80.8158% | 888 |
| Assets per employee ($millions) | 4.0025% | 3,888 |
| Cash dividends to net income (ytd only)* | 118.7335% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 3,916 |
| Loan loss allowance to noncurrent loans | 65.9733% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 1,336 |
| Noncurrent loans to loans | 1.4547% | 1,058 |
| Net loans and leases to total assets | 67.3393% | 2,959 |
| Net loans and leases to deposits | 89.5445% | 1,857 |
| Net loans and leases to core deposits | 123.1263% | 468 |
| Total domestic deposits to total assets | 75.2021% | 4,849 |
| Equity capital to assets | 14.5440% | 827 |
| Core capital (leverage) ratio | 14.5254% | 792 |
| Tier 1 risk-based capital ratio | 24.6241% | 773 |
| Total risk-based capital ratio | 25.7167% | 762 |
| Memoranda: | ||
| Average total assets | $67,279,600 | 4,628 |
| Average earning assets | $61,569,600 | 4,637 |
| Average equity | $9,956,200 | 4,301 |
| Average total loans | $45,194,200 | 4,432 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 2,044 |
| Cost of funding earning assets | 0.9773% | 650 |
| Net interest margin | 3.6007% | 3,362 |
| Noninterest income to average assets | 0.3915% | 3,536 |
| Noninterest expense to average assets | 2.9910% | 2,040 |
| Loan and lease loss provision to assets | 0.0238% | 3,546 |
| Net operating income to assets | 0.5604% | 4,620 |
| Return on assets (ROA) | 0.5604% | 4,623 |
| Pretax return on assets | 0.6717% | 4,599 |
| Return on Equity (ROE) | 3.7707% | 4,872 |
| Retained earnings to average equity (ytd only) | 1.0965% | 4,830 |
| Net charge-offs to loans | -0.0148% | 4,514 |
| Credit loss provision to net charge-offs | -240.0000% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1321% | 847 |
| Assets per employee ($millions) | 3.6348% | 4,388 |
| Cash dividends to net income (ytd only)* | 70.9221% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,740 |
| Loan loss allowance to noncurrent loans | 65.7971% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 1,407 |
| Noncurrent loans to loans | 1.5239% | 1,059 |
| Net loans and leases to total assets | 64.9049% | 3,317 |
| Net loans and leases to deposits | 85.9867% | 2,370 |
| Net loans and leases to core deposits | 118.1102% | 640 |
| Total domestic deposits to total assets | 75.4825% | 4,836 |
| Equity capital to assets | 14.3583% | 866 |
| Core capital (leverage) ratio | 14.8883% | 726 |
| Tier 1 risk-based capital ratio | 25.1903% | 736 |
| Total risk-based capital ratio | 26.3157% | 732 |
| Memoranda: | ||
| Average total assets | $67,089,000 | 4,681 |
| Average earning assets | $61,393,250 | 4,688 |
| Average equity | $9,971,250 | 4,338 |
| Average total loans | $44,927,000 | 4,485 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 1,707 |
| Cost of funding earning assets | 0.9443% | 597 |
| Net interest margin | 3.6818% | 3,000 |
| Noninterest income to average assets | 0.3583% | 3,756 |
| Noninterest expense to average assets | 3.0437% | 1,928 |
| Loan and lease loss provision to assets | 0.0331% | 3,255 |
| Net operating income to assets | 0.5449% | 4,637 |
| Return on assets (ROA) | 0.5449% | 4,642 |
| Pretax return on assets | 0.6503% | 4,641 |
| Return on Equity (ROE) | 3.6237% | 4,899 |
| Retained earnings to average equity (ytd only) | -0.3804% | 5,011 |
| Net charge-offs to loans | -0.0134% | 4,417 |
| Credit loss provision to net charge-offs | -366.6667% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6640% | 860 |
| Assets per employee ($millions) | 3.3628% | 4,756 |
| Cash dividends to net income (ytd only)* | 110.4972% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,794 |
| Loan loss allowance to noncurrent loans | 73.8134% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 1,599 |
| Noncurrent loans to loans | 1.3636% | 1,243 |
| Net loans and leases to total assets | 65.9540% | 3,160 |
| Net loans and leases to deposits | 86.2728% | 2,283 |
| Net loans and leases to core deposits | 119.1011% | 582 |
| Total domestic deposits to total assets | 76.4482% | 4,806 |
| Equity capital to assets | 14.6872% | 764 |
| Core capital (leverage) ratio | 14.9480% | 682 |
| Tier 1 risk-based capital ratio | 25.8207% | 685 |
| Total risk-based capital ratio | 26.9783% | 669 |
| Memoranda: | ||
| Average total assets | $66,431,670 | 4,750 |
| Average earning assets | $60,784,670 | 4,755 |
| Average equity | $9,989,670 | 4,381 |
| Average total loans | $44,810,000 | 4,528 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,615 |
| Cost of funding earning assets | 0.9144% | 554 |
| Net interest margin | 3.6710% | 2,915 |
| Noninterest income to average assets | 0.3029% | 4,134 |
| Noninterest expense to average assets | 2.9870% | 2,096 |
| Loan and lease loss provision to assets | 0.0303% | 3,107 |
| Net operating income to assets | 0.5392% | 4,609 |
| Return on assets (ROA) | 0.5392% | 4,613 |
| Pretax return on assets | 0.6422% | 4,584 |
| Return on Equity (ROE) | 3.5439% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.5439% | 3,788 |
| Net charge-offs to loans | -0.0179% | 4,497 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6225% | 990 |
| Assets per employee ($millions) | 3.9415% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,927 |
| Loan loss allowance to noncurrent loans | 54.7472% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 1,167 |
| Noncurrent loans to loans | 1.8345% | 905 |
| Net loans and leases to total assets | 65.3160% | 3,134 |
| Net loans and leases to deposits | 85.7129% | 2,199 |
| Net loans and leases to core deposits | 118.6140% | 629 |
| Total domestic deposits to total assets | 76.2033% | 4,944 |
| Equity capital to assets | 14.9332% | 690 |
| Core capital (leverage) ratio | 15.3360% | 584 |
| Tier 1 risk-based capital ratio | 25.9342% | 691 |
| Total risk-based capital ratio | 27.0668% | 682 |
| Memoranda: | ||
| Average total assets | $66,019,500 | 4,814 |
| Average earning assets | $60,365,000 | 4,818 |
| Average equity | $10,045,500 | 4,422 |
| Average total loans | $44,810,500 | 4,570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,444 |
| Cost of funding earning assets | 0.6788% | 1,140 |
| Net interest margin | 3.9171% | 2,038 |
| Noninterest income to average assets | 0.5096% | 2,941 |
| Noninterest expense to average assets | 2.9909% | 2,186 |
| Loan and lease loss provision to assets | -0.0047% | 5,295 |
| Net operating income to assets | 0.8162% | 3,089 |
| Return on assets (ROA) | 0.6393% | 3,891 |
| Pretax return on assets | 0.8640% | 4,033 |
| Return on Equity (ROE) | 3.9061% | 4,534 |
| Retained earnings to average equity (ytd only) | -18.3316% | 5,608 |
| Net charge-offs to loans | 0.0437% | 2,916 |
| Credit loss provision to net charge-offs | -15.7895% | 4,597 |
| Earnings coverage of net charge-offs (x) | 36.5263% | 1,335 |
| Efficiency ratio | 73.1424% | 2,038 |
| Assets per employee ($millions) | 3.8255% | 4,243 |
| Cash dividends to net income (ytd only)* | 569.3069% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 4,155 |
| Loan loss allowance to noncurrent loans | 99.3182% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 2,110 |
| Noncurrent loans to loans | 0.9689% | 1,824 |
| Net loans and leases to total assets | 69.1561% | 2,655 |
| Net loans and leases to deposits | 92.6861% | 1,425 |
| Net loans and leases to core deposits | 122.7718% | 500 |
| Total domestic deposits to total assets | 74.6133% | 5,121 |
| Equity capital to assets | 15.5088% | 587 |
| Core capital (leverage) ratio | 15.5660% | 532 |
| Tier 1 risk-based capital ratio | 25.2669% | 704 |
| Total risk-based capital ratio | 26.3622% | 704 |
| Memoranda: | ||
| Average total assets | $63,191,600 | 4,895 |
| Average earning assets | $57,747,400 | 4,915 |
| Average equity | $10,342,800 | 4,399 |
| Average total loans | $43,458,400 | 4,629 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,361 |
| Cost of funding earning assets | 0.6236% | 1,388 |
| Net interest margin | 3.9790% | 1,782 |
| Noninterest income to average assets | 0.5037% | 3,009 |
| Noninterest expense to average assets | 2.9777% | 2,175 |
| Loan and lease loss provision to assets | 0.0064% | 4,000 |
| Net operating income to assets | 0.8104% | 3,481 |
| Return on assets (ROA) | 0.8119% | 3,525 |
| Pretax return on assets | 1.1562% | 3,089 |
| Return on Equity (ROE) | 4.8940% | 4,566 |
| Retained earnings to average equity (ytd only) | -24.5726% | 5,694 |
| Net charge-offs to loans | 0.0621% | 2,227 |
| Credit loss provision to net charge-offs | 15.0000% | 3,194 |
| Earnings coverage of net charge-offs (x) | 27.2958% | 1,642 |
| Efficiency ratio | 71.9569% | 2,212 |
| Assets per employee ($millions) | 3.7429% | 4,392 |
| Cash dividends to net income (ytd only)* | 602.0950% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,069 |
| Loan loss allowance to noncurrent loans | 120.4360% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 2,566 |
| Noncurrent loans to loans | 0.8290% | 2,292 |
| Net loans and leases to total assets | 68.8795% | 2,713 |
| Net loans and leases to deposits | 103.4313% | 529 |
| Net loans and leases to core deposits | 121.8257% | 523 |
| Total domestic deposits to total assets | 66.5944% | 5,574 |
| Equity capital to assets | 15.8290% | 572 |
| Core capital (leverage) ratio | 15.9999% | 491 |
| Tier 1 risk-based capital ratio | 26.0131% | 674 |
| Total risk-based capital ratio | 27.1561% | 673 |
| Memoranda: | ||
| Average total assets | $62,731,000 | 4,959 |
| Average earning assets | $57,299,000 | 4,978 |
| Average equity | $10,407,000 | 4,434 |
| Average total loans | $42,970,000 | 4,689 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 1,245 |
| Cost of funding earning assets | 0.5916% | 1,501 |
| Net interest margin | 4.0114% | 1,568 |
| Noninterest income to average assets | 0.5062% | 2,983 |
| Noninterest expense to average assets | 2.9504% | 2,268 |
| Loan and lease loss provision to assets | -0.0160% | 5,556 |
| Net operating income to assets | 0.8819% | 3,010 |
| Return on assets (ROA) | 0.8842% | 3,052 |
| Pretax return on assets | 1.2462% | 2,607 |
| Return on Equity (ROE) | 5.2478% | 4,373 |
| Retained earnings to average equity (ytd only) | -38.4840% | 5,756 |
| Net charge-offs to loans | 0.1034% | 1,595 |
| Credit loss provision to net charge-offs | -22.7273% | 4,241 |
| Earnings coverage of net charge-offs (x) | 17.4091% | 1,925 |
| Efficiency ratio | 70.6288% | 2,568 |
| Assets per employee ($millions) | 3.6862% | 4,454 |
| Cash dividends to net income (ytd only)* | 833.3333% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 4,140 |
| Loan loss allowance to noncurrent loans | 125.2174% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 2,635 |
| Noncurrent loans to loans | 0.7995% | 2,407 |
| Net loans and leases to total assets | 68.1693% | 2,789 |
| Net loans and leases to deposits | 92.4954% | 1,431 |
| Net loans and leases to core deposits | 123.1485% | 460 |
| Total domestic deposits to total assets | 73.7003% | 5,319 |
| Equity capital to assets | 15.9177% | 541 |
| Core capital (leverage) ratio | 15.6779% | 520 |
| Tier 1 risk-based capital ratio | 26.4245% | 646 |
| Total risk-based capital ratio | 27.5716% | 632 |
| Memoranda: | ||
| Average total assets | $62,431,330 | 5,010 |
| Average earning assets | $57,137,670 | 5,017 |
| Average equity | $10,518,670 | 4,431 |
| Average total loans | $42,536,670 | 4,730 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,118 |
| Cost of funding earning assets | 0.5605% | 1,641 |
| Net interest margin | 4.0496% | 1,347 |
| Noninterest income to average assets | 0.4108% | 3,585 |
| Noninterest expense to average assets | 2.8565% | 2,593 |
| Loan and lease loss provision to assets | 0.0385% | 3,030 |
| Net operating income to assets | 0.9068% | 2,726 |
| Return on assets (ROA) | 0.9115% | 2,759 |
| Pretax return on assets | 1.2325% | 2,467 |
| Return on Equity (ROE) | 5.2639% | 4,274 |
| Retained earnings to average equity (ytd only) | -79.9963% | 5,837 |
| Net charge-offs to loans | 0.2273% | 790 |
| Credit loss provision to net charge-offs | 25.0000% | 2,145 |
| Earnings coverage of net charge-offs (x) | 8.2083% | 2,078 |
| Efficiency ratio | 69.3146% | 2,996 |
| Assets per employee ($millions) | 3.6991% | 4,508 |
| Cash dividends to net income (ytd only)* | 1,619.7183% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,220 |
| Loan loss allowance to noncurrent loans | 189.2704% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 3,361 |
| Noncurrent loans to loans | 0.5336% | 3,210 |
| Net loans and leases to total assets | 68.7345% | 2,567 |
| Net loans and leases to deposits | 93.6962% | 1,141 |
| Net loans and leases to core deposits | 120.3011% | 457 |
| Total domestic deposits to total assets | 73.3589% | 5,461 |
| Equity capital to assets | 15.4777% | 567 |
| Core capital (leverage) ratio | 15.4734% | 530 |
| Tier 1 risk-based capital ratio | 25.8192% | 699 |
| Total risk-based capital ratio | 26.9789% | 688 |
| Memoranda: | ||
| Average total assets | $62,314,000 | 5,066 |
| Average earning assets | $57,092,500 | 5,072 |
| Average equity | $10,790,500 | 4,421 |
| Average total loans | $42,229,500 | 4,782 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,166 |
| Cost of funding earning assets | 0.5191% | 1,946 |
| Net interest margin | 4.1316% | 1,304 |
| Noninterest income to average assets | 0.6217% | 2,546 |
| Noninterest expense to average assets | 2.9750% | 2,421 |
| Loan and lease loss provision to assets | 0.0763% | 2,832 |
| Net operating income to assets | 0.9511% | 2,579 |
| Return on assets (ROA) | 1.1814% | 1,662 |
| Pretax return on assets | 1.6664% | 1,091 |
| Return on Equity (ROE) | 5.8150% | 4,069 |
| Retained earnings to average equity (ytd only) | -12.1858% | 5,807 |
| Net charge-offs to loans | 0.0197% | 3,658 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 543 |
| Efficiency ratio | 67.7163% | 3,298 |
| Assets per employee ($millions) | 3.6341% | 4,562 |
| Cash dividends to net income (ytd only)* | 309.5559% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,573 |
| Loan loss allowance to noncurrent loans | 119.2208% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,760 |
| Noncurrent loans to loans | 0.9437% | 2,200 |
| Net loans and leases to total assets | 65.2908% | 3,178 |
| Net loans and leases to deposits | 87.6108% | 1,972 |
| Net loans and leases to core deposits | 112.5541% | 756 |
| Total domestic deposits to total assets | 74.5237% | 5,398 |
| Equity capital to assets | 19.2185% | 232 |
| Core capital (leverage) ratio | 19.0990% | 228 |
| Tier 1 risk-based capital ratio | 35.3502% | 308 |
| Total risk-based capital ratio | 36.6016% | 305 |
| Memoranda: | ||
| Average total assets | $62,890,200 | 5,077 |
| Average earning assets | $57,411,200 | 5,092 |
| Average equity | $12,777,200 | 4,126 |
| Average total loans | $40,528,800 | 4,857 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 1,212 |
| Cost of funding earning assets | 0.5091% | 2,023 |
| Net interest margin | 4.1310% | 1,308 |
| Noninterest income to average assets | 0.6079% | 2,622 |
| Noninterest expense to average assets | 2.9888% | 2,352 |
| Loan and lease loss provision to assets | 0.0422% | 3,393 |
| Net operating income to assets | 0.9544% | 2,632 |
| Return on assets (ROA) | 1.2601% | 1,521 |
| Pretax return on assets | 1.7751% | 939 |
| Return on Equity (ROE) | 6.1214% | 4,013 |
| Retained earnings to average equity (ytd only) | -14.3858% | 5,887 |
| Net charge-offs to loans | 0.0329% | 2,984 |
| Credit loss provision to net charge-offs | 200.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 65.7149% | 897 |
| Efficiency ratio | 68.3068% | 3,175 |
| Assets per employee ($millions) | 3.7462% | 4,393 |
| Cash dividends to net income (ytd only)* | 335.0084% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,239 |
| Loan loss allowance to noncurrent loans | 85.4582% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 2,503 |
| Noncurrent loans to loans | 1.2061% | 1,859 |
| Net loans and leases to total assets | 64.6798% | 3,312 |
| Net loans and leases to deposits | 87.0223% | 2,135 |
| Net loans and leases to core deposits | 110.9250% | 867 |
| Total domestic deposits to total assets | 74.3256% | 5,401 |
| Equity capital to assets | 19.2538% | 252 |
| Core capital (leverage) ratio | 19.2472% | 223 |
| Tier 1 risk-based capital ratio | 35.1486% | 331 |
| Total risk-based capital ratio | 36.3886% | 325 |
| Memoranda: | ||
| Average total assets | $63,168,000 | 5,117 |
| Average earning assets | $57,612,250 | 5,128 |
| Average equity | $13,003,250 | 4,120 |
| Average total loans | $40,462,250 | 4,906 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 1,103 |
| Cost of funding earning assets | 0.5048% | 2,064 |
| Net interest margin | 4.1709% | 1,179 |
| Noninterest income to average assets | 0.5905% | 2,666 |
| Noninterest expense to average assets | 2.9653% | 2,465 |
| Loan and lease loss provision to assets | 0.0762% | 2,613 |
| Net operating income to assets | 0.9561% | 2,598 |
| Return on assets (ROA) | 1.4160% | 1,083 |
| Pretax return on assets | 2.0001% | 569 |
| Return on Equity (ROE) | 6.7319% | 3,680 |
| Retained earnings to average equity (ytd only) | -23.4560% | 5,987 |
| Net charge-offs to loans | 0.0499% | 2,485 |
| Credit loss provision to net charge-offs | 240.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,070 |
| Efficiency ratio | 67.4855% | 3,451 |
| Assets per employee ($millions) | 3.5086% | 4,742 |
| Cash dividends to net income (ytd only)* | 448.4305% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,310 |
| Loan loss allowance to noncurrent loans | 87.4747% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 2,552 |
| Noncurrent loans to loans | 1.1844% | 1,937 |
| Net loans and leases to total assets | 65.4897% | 3,154 |
| Net loans and leases to deposits | 87.9701% | 2,001 |
| Net loans and leases to core deposits | 112.3394% | 799 |
| Total domestic deposits to total assets | 74.4454% | 5,475 |
| Equity capital to assets | 19.2368% | 249 |
| Core capital (leverage) ratio | 18.6298% | 251 |
| Tier 1 risk-based capital ratio | 35.2606% | 329 |
| Total risk-based capital ratio | 36.5115% | 325 |
| Memoranda: | ||
| Average total assets | $62,995,330 | 5,173 |
| Average earning assets | $57,446,000 | 5,186 |
| Average equity | $13,250,330 | 4,114 |
| Average total loans | $40,076,000 | 4,968 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,131 |
| Cost of funding earning assets | 0.4952% | 2,148 |
| Net interest margin | 4.1635% | 1,188 |
| Noninterest income to average assets | 0.8011% | 1,610 |
| Noninterest expense to average assets | 2.8737% | 2,793 |
| Loan and lease loss provision to assets | 0.0254% | 3,339 |
| Net operating income to assets | 1.2588% | 1,381 |
| Return on assets (ROA) | 1.2588% | 1,472 |
| Pretax return on assets | 1.6975% | 1,077 |
| Return on Equity (ROE) | 5.7387% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.7387% | 2,502 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5173% | 4,367 |
| Assets per employee ($millions) | 3.9587% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 4,215 |
| Loan loss allowance to noncurrent loans | 81.8182% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 2,567 |
| Noncurrent loans to loans | 1.3097% | 1,831 |
| Net loans and leases to total assets | 61.6555% | 3,574 |
| Net loans and leases to deposits | 85.9968% | 2,062 |
| Net loans and leases to core deposits | 107.8338% | 977 |
| Total domestic deposits to total assets | 71.6952% | 5,795 |
| Equity capital to assets | 21.9833% | 153 |
| Core capital (leverage) ratio | 21.8812% | 138 |
| Tier 1 risk-based capital ratio | 40.7064% | 225 |
| Total risk-based capital ratio | 41.9578% | 223 |
| Memoranda: | ||
| Average total assets | $62,915,500 | 5,224 |
| Average earning assets | $57,355,500 | 5,232 |
| Average equity | $13,801,000 | 4,028 |
| Average total loans | $39,217,500 | 5,036 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 735 |
| Cost of funding earning assets | 0.4788% | 2,362 |
| Net interest margin | 4.4410% | 725 |
| Noninterest income to average assets | 0.7597% | 1,935 |
| Noninterest expense to average assets | 3.0252% | 2,460 |
| Loan and lease loss provision to assets | 0.0556% | 3,197 |
| Net operating income to assets | 1.2491% | 1,388 |
| Return on assets (ROA) | 1.2515% | 1,437 |
| Pretax return on assets | 1.7131% | 963 |
| Return on Equity (ROE) | 5.5278% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.9654% | 3,212 |
| Net charge-offs to loans | 0.2753% | 1,101 |
| Credit loss provision to net charge-offs | 31.4286% | 3,635 |
| Earnings coverage of net charge-offs (x) | 9.9810% | 2,749 |
| Efficiency ratio | 63.1505% | 4,418 |
| Assets per employee ($millions) | 3.9036% | 4,112 |
| Cash dividends to net income (ytd only)* | 28.2638% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 4,177 |
| Loan loss allowance to noncurrent loans | 89.9142% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 2,738 |
| Noncurrent loans to loans | 1.1961% | 1,974 |
| Net loans and leases to total assets | 61.7081% | 3,600 |
| Net loans and leases to deposits | 84.7521% | 2,276 |
| Net loans and leases to core deposits | 105.0593% | 1,157 |
| Total domestic deposits to total assets | 72.8101% | 5,747 |
| Equity capital to assets | 21.9655% | 148 |
| Core capital (leverage) ratio | 22.1490% | 130 |
| Tier 1 risk-based capital ratio | 40.9185% | 218 |
| Total risk-based capital ratio | 42.1667% | 214 |
| Memoranda: | ||
| Average total assets | $59,367,600 | 5,333 |
| Average earning assets | $53,884,000 | 5,345 |
| Average equity | $13,441,200 | 4,056 |
| Average total loans | $38,133,600 | 5,083 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 647 |
| Cost of funding earning assets | 0.4869% | 2,345 |
| Net interest margin | 4.4954% | 661 |
| Noninterest income to average assets | 0.5916% | 2,794 |
| Noninterest expense to average assets | 3.0514% | 2,358 |
| Loan and lease loss provision to assets | 0.0068% | 4,122 |
| Net operating income to assets | 1.1747% | 1,735 |
| Return on assets (ROA) | 1.1764% | 1,801 |
| Pretax return on assets | 1.6110% | 1,349 |
| Return on Equity (ROE) | 5.1550% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.0084% | 3,610 |
| Net charge-offs to loans | 0.3445% | 765 |
| Credit loss provision to net charge-offs | 3.0612% | 3,504 |
| Earnings coverage of net charge-offs (x) | 7.2451% | 2,941 |
| Efficiency ratio | 65.3827% | 3,994 |
| Assets per employee ($millions) | 3.5734% | 4,665 |
| Cash dividends to net income (ytd only)* | 22.2437% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 4,474 |
| Loan loss allowance to noncurrent loans | 123.7500% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 3,444 |
| Noncurrent loans to loans | 0.8476% | 2,852 |
| Net loans and leases to total assets | 61.4960% | 3,670 |
| Net loans and leases to deposits | 84.2721% | 2,377 |
| Net loans and leases to core deposits | 99.5072% | 1,557 |
| Total domestic deposits to total assets | 72.9732% | 5,790 |
| Equity capital to assets | 22.3468% | 144 |
| Core capital (leverage) ratio | 22.5329% | 125 |
| Tier 1 risk-based capital ratio | 41.9725% | 226 |
| Total risk-based capital ratio | 43.2060% | 224 |
| Memoranda: | ||
| Average total assets | $58,595,250 | 5,421 |
| Average earning assets | $53,120,000 | 5,426 |
| Average equity | $13,371,750 | 4,110 |
| Average total loans | $37,927,000 | 5,147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 496 |
| Cost of funding earning assets | 0.4912% | 2,339 |
| Net interest margin | 4.6149% | 524 |
| Noninterest income to average assets | 0.4907% | 3,445 |
| Noninterest expense to average assets | 3.0685% | 2,340 |
| Loan and lease loss provision to assets | -0.0035% | 5,936 |
| Net operating income to assets | 1.1714% | 1,694 |
| Return on assets (ROA) | 1.1714% | 1,765 |
| Pretax return on assets | 1.6137% | 1,290 |
| Return on Equity (ROE) | 5.0962% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.3674% | 3,894 |
| Net charge-offs to loans | 0.5160% | 481 |
| Credit loss provision to net charge-offs | -1.0204% | 4,653 |
| Earnings coverage of net charge-offs (x) | 4.7551% | 2,997 |
| Efficiency ratio | 65.5835% | 4,088 |
| Assets per employee ($millions) | 3.4156% | 4,954 |
| Cash dividends to net income (ytd only)* | 33.9233% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,612 |
| Loan loss allowance to noncurrent loans | 116.3205% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 2,722 |
| Noncurrent loans to loans | 0.9021% | 2,870 |
| Net loans and leases to total assets | 63.6620% | 3,314 |
| Net loans and leases to deposits | 85.3797% | 2,123 |
| Net loans and leases to core deposits | 100.5577% | 1,441 |
| Total domestic deposits to total assets | 74.5634% | 5,740 |
| Equity capital to assets | 22.9601% | 126 |
| Core capital (leverage) ratio | 22.8261% | 121 |
| Tier 1 risk-based capital ratio | 42.2042% | 230 |
| Total risk-based capital ratio | 43.4485% | 228 |
| Memoranda: | ||
| Average total assets | $57,878,000 | 5,489 |
| Average earning assets | $52,526,000 | 5,500 |
| Average equity | $13,304,000 | 4,145 |
| Average total loans | $37,985,000 | 5,185 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 537 |
| Cost of funding earning assets | 0.4867% | 2,409 |
| Net interest margin | 4.5554% | 545 |
| Noninterest income to average assets | 0.3669% | 4,279 |
| Noninterest expense to average assets | 3.0804% | 2,337 |
| Loan and lease loss provision to assets | -0.0346% | 6,137 |
| Net operating income to assets | 1.0730% | 1,961 |
| Return on assets (ROA) | 1.0730% | 2,081 |
| Pretax return on assets | 1.4675% | 1,670 |
| Return on Equity (ROE) | 4.6652% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.6652% | 3,226 |
| Net charge-offs to loans | 0.2193% | 1,067 |
| Credit loss provision to net charge-offs | -23.8095% | 4,345 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,978 |
| Efficiency ratio | 68.2515% | 3,781 |
| Assets per employee ($millions) | 3.2386% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 3,735 |
| Loan loss allowance to noncurrent loans | 39.1085% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.1992% | 1,045 |
| Noncurrent loans to loans | 3.1720% | 645 |
| Net loans and leases to total assets | 63.5029% | 3,159 |
| Net loans and leases to deposits | 84.9469% | 1,958 |
| Net loans and leases to core deposits | 99.9244% | 1,325 |
| Total domestic deposits to total assets | 74.7560% | 5,849 |
| Equity capital to assets | 22.9608% | 128 |
| Core capital (leverage) ratio | 23.1112% | 115 |
| Tier 1 risk-based capital ratio | 41.5434% | 240 |
| Total risk-based capital ratio | 42.7934% | 238 |
| Memoranda: | ||
| Average total assets | $57,784,000 | 5,547 |
| Average earning assets | $52,597,000 | 5,546 |
| Average equity | $13,290,000 | 4,186 |
| Average total loans | $38,298,500 | 5,200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 694 |
| Cost of funding earning assets | 0.5663% | 2,081 |
| Net interest margin | 4.4920% | 760 |
| Noninterest income to average assets | 0.4539% | 3,806 |
| Noninterest expense to average assets | 3.0417% | 2,719 |
| Loan and lease loss provision to assets | -0.0809% | 6,110 |
| Net operating income to assets | 1.1528% | 1,763 |
| Return on assets (ROA) | 1.1540% | 1,822 |
| Pretax return on assets | 1.6255% | 1,160 |
| Return on Equity (ROE) | 5.0966% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.9390% | 3,408 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3469% | 4,192 |
| Assets per employee ($millions) | 3.5800% | 4,760 |
| Cash dividends to net income (ytd only)* | 22.7134% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 3,710 |
| Loan loss allowance to noncurrent loans | 33.2429% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 2.5733% | 879 |
| Noncurrent loans to loans | 3.7686% | 520 |
| Net loans and leases to total assets | 67.4284% | 2,662 |
| Net loans and leases to deposits | 91.4847% | 1,348 |
| Net loans and leases to core deposits | 103.8532% | 1,134 |
| Total domestic deposits to total assets | 73.7046% | 5,969 |
| Equity capital to assets | 23.0656% | 128 |
| Core capital (leverage) ratio | 22.8477% | 122 |
| Tier 1 risk-based capital ratio | 40.9443% | 224 |
| Total risk-based capital ratio | 42.1982% | 220 |
| Memoranda: | ||
| Average total assets | $56,843,800 | 5,629 |
| Average earning assets | $52,271,000 | 5,613 |
| Average equity | $12,871,400 | 4,213 |
| Average total loans | $38,484,400 | 5,235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 709 |
| Cost of funding earning assets | 0.5767% | 2,045 |
| Net interest margin | 4.4710% | 792 |
| Noninterest income to average assets | 0.3243% | 4,836 |
| Noninterest expense to average assets | 3.0598% | 2,595 |
| Loan and lease loss provision to assets | -0.1105% | 6,294 |
| Net operating income to assets | 1.0622% | 2,188 |
| Return on assets (ROA) | 1.0622% | 2,254 |
| Pretax return on assets | 1.4923% | 1,665 |
| Return on Equity (ROE) | 4.7133% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.9208% | 3,854 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8889% | 3,692 |
| Assets per employee ($millions) | 3.3686% | 5,104 |
| Cash dividends to net income (ytd only)* | 16.8141% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 3,905 |
| Loan loss allowance to noncurrent loans | 32.9744% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 2.7695% | 893 |
| Noncurrent loans to loans | 3.8065% | 588 |
| Net loans and leases to total assets | 67.3128% | 2,644 |
| Net loans and leases to deposits | 91.9539% | 1,237 |
| Net loans and leases to core deposits | 99.0773% | 1,446 |
| Total domestic deposits to total assets | 73.2027% | 6,078 |
| Equity capital to assets | 22.7583% | 138 |
| Core capital (leverage) ratio | 22.8387% | 125 |
| Tier 1 risk-based capital ratio | 40.5195% | 235 |
| Total risk-based capital ratio | 41.7729% | 229 |
| Memoranda: | ||
| Average total assets | $56,734,750 | 5,696 |
| Average earning assets | $52,246,750 | 5,675 |
| Average equity | $12,786,250 | 4,259 |
| Average total loans | $38,327,250 | 5,289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 814 |
| Cost of funding earning assets | 0.5854% | 2,023 |
| Net interest margin | 4.3657% | 911 |
| Noninterest income to average assets | 0.2970% | 5,034 |
| Noninterest expense to average assets | 3.0376% | 2,705 |
| Loan and lease loss provision to assets | -0.1132% | 6,392 |
| Net operating income to assets | 1.0290% | 2,207 |
| Return on assets (ROA) | 1.0290% | 2,270 |
| Pretax return on assets | 1.4074% | 1,865 |
| Return on Equity (ROE) | 4.5812% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.3848% | 4,048 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1224% | 3,637 |
| Assets per employee ($millions) | 3.1355% | 5,538 |
| Cash dividends to net income (ytd only)* | 26.1168% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 3,708 |
| Loan loss allowance to noncurrent loans | 26.2611% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 3.4072% | 696 |
| Noncurrent loans to loans | 5.0564% | 392 |
| Net loans and leases to total assets | 66.4895% | 2,674 |
| Net loans and leases to deposits | 87.5937% | 1,642 |
| Net loans and leases to core deposits | 95.2799% | 1,662 |
| Total domestic deposits to total assets | 75.9067% | 5,917 |
| Equity capital to assets | 22.7467% | 130 |
| Core capital (leverage) ratio | 22.5526% | 122 |
| Tier 1 risk-based capital ratio | 41.6393% | 214 |
| Total risk-based capital ratio | 42.8948% | 211 |
| Memoranda: | ||
| Average total assets | $56,557,330 | 5,748 |
| Average earning assets | $52,271,000 | 5,726 |
| Average equity | $12,704,000 | 4,282 |
| Average total loans | $38,090,330 | 5,337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 932 |
| Cost of funding earning assets | 0.5835% | 2,132 |
| Net interest margin | 4.2741% | 1,053 |
| Noninterest income to average assets | 0.2473% | 5,382 |
| Noninterest expense to average assets | 2.9249% | 3,139 |
| Loan and lease loss provision to assets | -0.0636% | 6,462 |
| Net operating income to assets | 0.9609% | 2,355 |
| Return on assets (ROA) | 0.9609% | 2,422 |
| Pretax return on assets | 1.3706% | 1,850 |
| Return on Equity (ROE) | 4.3048% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.3048% | 3,546 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1152% | 3,981 |
| Assets per employee ($millions) | 3.5654% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 3,722 |
| Loan loss allowance to noncurrent loans | 30.4674% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 3.0378% | 935 |
| Noncurrent loans to loans | 4.5110% | 525 |
| Net loans and leases to total assets | 66.4172% | 2,497 |
| Net loans and leases to deposits | 87.4651% | 1,424 |
| Net loans and leases to core deposits | 94.9956% | 1,467 |
| Total domestic deposits to total assets | 75.9356% | 6,081 |
| Equity capital to assets | 22.2694% | 141 |
| Core capital (leverage) ratio | 22.4479% | 126 |
| Tier 1 risk-based capital ratio | 41.9596% | 210 |
| Total risk-based capital ratio | 43.2161% | 205 |
| Memoranda: | ||
| Average total assets | $56,616,500 | 5,797 |
| Average earning assets | $52,783,000 | 5,765 |
| Average equity | $12,637,000 | 4,318 |
| Average total loans | $38,120,000 | 5,389 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 1,020 |
| Cost of funding earning assets | 0.6175% | 2,509 |
| Net interest margin | 4.3243% | 1,049 |
| Noninterest income to average assets | 0.3229% | 5,024 |
| Noninterest expense to average assets | 2.9723% | 3,123 |
| Loan and lease loss provision to assets | -0.2962% | 6,674 |
| Net operating income to assets | 1.1543% | 1,741 |
| Return on assets (ROA) | 1.1543% | 1,806 |
| Pretax return on assets | 1.7574% | 839 |
| Return on Equity (ROE) | 5.2173% | 4,531 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,725 |
| Net charge-offs to loans | -0.0363% | 6,262 |
| Credit loss provision to net charge-offs | 1,185.7143% | 215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0423% | 4,365 |
| Assets per employee ($millions) | 3.5116% | 4,878 |
| Cash dividends to net income (ytd only)* | 32.6121% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 3,549 |
| Loan loss allowance to noncurrent loans | 36.1373% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 2.6448% | 1,273 |
| Noncurrent loans to loans | 3.9288% | 747 |
| Net loans and leases to total assets | 66.3617% | 2,638 |
| Net loans and leases to deposits | 87.1168% | 1,560 |
| Net loans and leases to core deposits | 92.3652% | 1,755 |
| Total domestic deposits to total assets | 76.1756% | 6,081 |
| Equity capital to assets | 22.3721% | 136 |
| Core capital (leverage) ratio | 22.6134% | 123 |
| Tier 1 risk-based capital ratio | 43.4938% | 185 |
| Total risk-based capital ratio | 44.7510% | 185 |
| Memoranda: | ||
| Average total assets | $56,050,000 | 5,869 |
| Average earning assets | $53,280,400 | 5,796 |
| Average equity | $12,401,000 | 4,374 |
| Average total loans | $38,593,000 | 5,408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 992 |
| Cost of funding earning assets | 0.6245% | 2,614 |
| Net interest margin | 4.3486% | 989 |
| Noninterest income to average assets | 0.2951% | 5,337 |
| Noninterest expense to average assets | 3.0205% | 2,920 |
| Loan and lease loss provision to assets | 0.0476% | 4,062 |
| Net operating income to assets | 0.8997% | 2,837 |
| Return on assets (ROA) | 0.8997% | 2,954 |
| Pretax return on assets | 1.3543% | 2,100 |
| Return on Equity (ROE) | 4.0780% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.6215% | 4,757 |
| Net charge-offs to loans | -0.0034% | 5,737 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2992% | 4,040 |
| Assets per employee ($millions) | 3.4771% | 4,888 |
| Cash dividends to net income (ytd only)* | 35.7150% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,121 |
| Loan loss allowance to noncurrent loans | 47.7151% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.6747% | 1,412 |
| Noncurrent loans to loans | 3.8896% | 920 |
| Net loans and leases to total assets | 67.4887% | 2,375 |
| Net loans and leases to deposits | 89.4762% | 1,219 |
| Net loans and leases to core deposits | 94.9378% | 1,481 |
| Total domestic deposits to total assets | 75.4265% | 6,235 |
| Equity capital to assets | 22.2943% | 137 |
| Core capital (leverage) ratio | 22.1664% | 129 |
| Tier 1 risk-based capital ratio | 42.7192% | 206 |
| Total risk-based capital ratio | 43.9834% | 205 |
| Memoranda: | ||
| Average total assets | $56,016,000 | 5,934 |
| Average earning assets | $53,164,750 | 5,860 |
| Average equity | $12,358,750 | 4,423 |
| Average total loans | $38,785,500 | 5,446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 848 |
| Cost of funding earning assets | 0.6263% | 2,720 |
| Net interest margin | 4.4218% | 816 |
| Noninterest income to average assets | 0.3491% | 4,896 |
| Noninterest expense to average assets | 2.8961% | 3,349 |
| Loan and lease loss provision to assets | 0.0712% | 3,606 |
| Net operating income to assets | 1.0509% | 2,110 |
| Return on assets (ROA) | 1.0509% | 2,233 |
| Pretax return on assets | 1.5817% | 1,417 |
| Return on Equity (ROE) | 4.7797% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.7797% | 3,198 |
| Net charge-offs to loans | -0.0051% | 5,639 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6648% | 4,916 |
| Assets per employee ($millions) | 3.5163% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,241 |
| Loan loss allowance to noncurrent loans | 344.6602% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 5,390 |
| Noncurrent loans to loans | 0.5387% | 4,911 |
| Net loans and leases to total assets | 66.7028% | 2,464 |
| Net loans and leases to deposits | 87.3391% | 1,421 |
| Net loans and leases to core deposits | 92.5336% | 1,650 |
| Total domestic deposits to total assets | 76.3722% | 6,215 |
| Equity capital to assets | 22.1756% | 133 |
| Core capital (leverage) ratio | 22.1952% | 120 |
| Tier 1 risk-based capital ratio | 47.6076% | 143 |
| Total risk-based capital ratio | 48.8772% | 139 |
| Memoranda: | ||
| Average total assets | $56,143,670 | 5,970 |
| Average earning assets | $53,326,330 | 5,883 |
| Average equity | $12,344,000 | 4,451 |
| Average total loans | $38,962,000 | 5,470 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 735 |
| Cost of funding earning assets | 0.6382% | 2,759 |
| Net interest margin | 4.4675% | 714 |
| Noninterest income to average assets | 0.3495% | 4,885 |
| Noninterest expense to average assets | 2.9954% | 3,009 |
| Loan and lease loss provision to assets | 0.3566% | 912 |
| Net operating income to assets | 0.8558% | 2,877 |
| Return on assets (ROA) | 0.8558% | 3,007 |
| Pretax return on assets | 1.2410% | 2,430 |
| Return on Equity (ROE) | 3.9094% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.9094% | 3,885 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2174% | 4,793 |
| Assets per employee ($millions) | 3.5144% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,286 |
| Loan loss allowance to noncurrent loans | 41.5627% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 2.9379% | 1,534 |
| Noncurrent loans to loans | 3.9158% | 1,166 |
| Net loans and leases to total assets | 68.0425% | 1,998 |
| Net loans and leases to deposits | 88.6944% | 1,081 |
| Net loans and leases to core deposits | 93.9404% | 1,348 |
| Total domestic deposits to total assets | 76.7157% | 6,274 |
| Equity capital to assets | 21.8918% | 152 |
| Core capital (leverage) ratio | 21.8954% | 137 |
| Tier 1 risk-based capital ratio | 45.7542% | 160 |
| Total risk-based capital ratio | 47.0177% | 160 |
| Memoranda: | ||
| Average total assets | $56,085,500 | 6,019 |
| Average earning assets | $53,273,500 | 5,929 |
| Average equity | $12,278,000 | 4,525 |
| Average total loans | $39,324,500 | 5,495 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 736 |
| Cost of funding earning assets | 0.7835% | 2,798 |
| Net interest margin | 4.6340% | 735 |
| Noninterest income to average assets | 0.4002% | 4,607 |
| Noninterest expense to average assets | 2.8652% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2592% | 1,426 |
| Return on assets (ROA) | 1.2592% | 1,582 |
| Pretax return on assets | 1.9423% | 680 |
| Return on Equity (ROE) | 6.0288% | 4,158 |
| Retained earnings to average equity (ytd only) | -2.5189% | 6,225 |
| Net charge-offs to loans | 0.0547% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 48.9565% | 689 |
| Efficiency ratio | 59.5981% | 5,600 |
| Assets per employee ($millions) | 3.4963% | 5,012 |
| Cash dividends to net income (ytd only)* | 141.7808% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 3,881 |
| Loan loss allowance to noncurrent loans | 125.6466% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.0601% | 3,908 |
| Noncurrent loans to loans | 1.1671% | 3,903 |
| Net loans and leases to total assets | 70.0250% | 1,834 |
| Net loans and leases to deposits | 91.0892% | 973 |
| Net loans and leases to core deposits | 95.8876% | 1,314 |
| Total domestic deposits to total assets | 76.8752% | 6,244 |
| Equity capital to assets | 21.8913% | 157 |
| Core capital (leverage) ratio | 21.8877% | 142 |
| Tier 1 risk-based capital ratio | 44.8006% | 174 |
| Total risk-based capital ratio | 46.0593% | 176 |
| Memoranda: | ||
| Average total assets | $57,971,800 | 5,975 |
| Average earning assets | $55,136,400 | 5,883 |
| Average equity | $12,108,600 | 4,548 |
| Average total loans | $42,012,600 | 5,420 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 808 |
| Cost of funding earning assets | 0.8008% | 2,929 |
| Net interest margin | 4.6131% | 796 |
| Noninterest income to average assets | 0.4058% | 4,594 |
| Noninterest expense to average assets | 2.7792% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3041% | 1,435 |
| Return on assets (ROA) | 1.3041% | 1,576 |
| Pretax return on assets | 2.0132% | 686 |
| Return on Equity (ROE) | 6.3163% | 4,161 |
| Retained earnings to average equity (ytd only) | -5.1127% | 6,621 |
| Net charge-offs to loans | 0.0720% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 38.3860% | 911 |
| Efficiency ratio | 57.9924% | 5,791 |
| Assets per employee ($millions) | 3.6714% | 4,605 |
| Cash dividends to net income (ytd only)* | 180.9441% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 4,276 |
| Loan loss allowance to noncurrent loans | 85.1095% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 3,528 |
| Noncurrent loans to loans | 1.6711% | 3,283 |
| Net loans and leases to total assets | 68.7906% | 2,155 |
| Net loans and leases to deposits | 89.8117% | 1,168 |
| Net loans and leases to core deposits | 94.3210% | 1,558 |
| Total domestic deposits to total assets | 76.5943% | 6,295 |
| Equity capital to assets | 20.5747% | 220 |
| Core capital (leverage) ratio | 20.5730% | 191 |
| Tier 1 risk-based capital ratio | 42.5109% | 201 |
| Total risk-based capital ratio | 43.5627% | 202 |
| Memoranda: | ||
| Average total assets | $58,479,750 | 6,030 |
| Average earning assets | $55,608,500 | 5,944 |
| Average equity | $12,074,250 | 4,596 |
| Average total loans | $42,577,000 | 5,462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 662 |
| Cost of funding earning assets | 0.8273% | 2,975 |
| Net interest margin | 4.7120% | 657 |
| Noninterest income to average assets | 0.3494% | 5,045 |
| Noninterest expense to average assets | 2.7778% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3324% | 1,355 |
| Return on assets (ROA) | 1.3324% | 1,509 |
| Pretax return on assets | 2.0585% | 624 |
| Return on Equity (ROE) | 6.4456% | 4,072 |
| Retained earnings to average equity (ytd only) | -10.7039% | 6,851 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4363% | 5,938 |
| Assets per employee ($millions) | 3.6238% | 4,702 |
| Cash dividends to net income (ytd only)* | 266.0668% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,323 |
| Loan loss allowance to noncurrent loans | 62.4742% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.9317% | 2,871 |
| Noncurrent loans to loans | 2.2954% | 2,611 |
| Net loans and leases to total assets | 71.8373% | 1,585 |
| Net loans and leases to deposits | 94.1991% | 752 |
| Net loans and leases to core deposits | 98.3031% | 1,245 |
| Total domestic deposits to total assets | 76.2612% | 6,422 |
| Equity capital to assets | 20.5291% | 219 |
| Core capital (leverage) ratio | 20.5274% | 181 |
| Tier 1 risk-based capital ratio | 41.1378% | 211 |
| Total risk-based capital ratio | 42.3752% | 208 |
| Memoranda: | ||
| Average total assets | $58,392,330 | 6,065 |
| Average earning assets | $55,603,000 | 5,980 |
| Average equity | $12,070,330 | 4,586 |
| Average total loans | $43,105,330 | 5,468 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 526 |
| Cost of funding earning assets | 0.8597% | 2,997 |
| Net interest margin | 4.8286% | 532 |
| Noninterest income to average assets | 0.3277% | 5,244 |
| Noninterest expense to average assets | 3.2288% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0581% | 2,259 |
| Return on assets (ROA) | 1.0581% | 2,451 |
| Pretax return on assets | 1.6997% | 1,302 |
| Return on Equity (ROE) | 5.1012% | 4,739 |
| Retained earnings to average equity (ytd only) | -28.9617% | 7,124 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5125% | 4,652 |
| Assets per employee ($millions) | 3.6466% | 4,775 |
| Cash dividends to net income (ytd only)* | 667.7419% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 4,578 |
| Loan loss allowance to noncurrent loans | 64.6055% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 3,098 |
| Noncurrent loans to loans | 2.1780% | 2,936 |
| Net loans and leases to total assets | 72.7745% | 1,261 |
| Net loans and leases to deposits | 95.2233% | 585 |
| Net loans and leases to core deposits | 99.3333% | 1,028 |
| Total domestic deposits to total assets | 76.4251% | 6,495 |
| Equity capital to assets | 20.0716% | 221 |
| Core capital (leverage) ratio | 20.0716% | 199 |
| Tier 1 risk-based capital ratio | 37.5859% | 278 |
| Total risk-based capital ratio | 38.7605% | 272 |
| Memoranda: | ||
| Average total assets | $58,598,000 | 6,104 |
| Average earning assets | $55,834,000 | 6,009 |
| Average equity | $12,154,000 | 4,578 |
| Average total loans | $43,529,000 | 5,488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 785 |
| Cost of funding earning assets | 1.1121% | 2,595 |
| Net interest margin | 4.5857% | 950 |
| Noninterest income to average assets | 0.2825% | 5,508 |
| Noninterest expense to average assets | 2.6864% | 4,798 |
| Loan and lease loss provision to assets | 0.1184% | 5,123 |
| Net operating income to assets | 1.1832% | 1,554 |
| Return on assets (ROA) | 1.2349% | 1,521 |
| Pretax return on assets | 1.9031% | 657 |
| Return on Equity (ROE) | 5.9116% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.1705% | 3,208 |
| Net charge-offs to loans | 0.2958% | 3,928 |
| Credit loss provision to net charge-offs | 52.2388% | 5,371 |
| Earnings coverage of net charge-offs (x) | 8.5672% | 2,122 |
| Efficiency ratio | 58.0409% | 6,053 |
| Assets per employee ($millions) | 3.9233% | 4,024 |
| Cash dividends to net income (ytd only)* | 29.4521% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,572 |
| Loan loss allowance to noncurrent loans | 83.1276% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 3,642 |
| Noncurrent loans to loans | 1.6572% | 3,677 |
| Net loans and leases to total assets | 73.7213% | 1,323 |
| Net loans and leases to deposits | 98.1583% | 551 |
| Net loans and leases to core deposits | 103.1969% | 954 |
| Total domestic deposits to total assets | 75.1045% | 6,591 |
| Equity capital to assets | 21.4053% | 176 |
| Core capital (leverage) ratio | 21.3987% | 155 |
| Tier 1 risk-based capital ratio | 38.8575% | 250 |
| Total risk-based capital ratio | 40.1167% | 244 |
| Memoranda: | ||
| Average total assets | $59,113,200 | 6,070 |
| Average earning assets | $56,021,400 | 5,981 |
| Average equity | $12,348,600 | 4,468 |
| Average total loans | $45,298,200 | 5,455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7261% | 811 |
| Cost of funding earning assets | 1.1476% | 2,648 |
| Net interest margin | 4.5785% | 987 |
| Noninterest income to average assets | 0.2906% | 5,530 |
| Noninterest expense to average assets | 2.6405% | 4,937 |
| Loan and lease loss provision to assets | 0.1577% | 4,494 |
| Net operating income to assets | 1.1846% | 1,696 |
| Return on assets (ROA) | 1.2256% | 1,691 |
| Pretax return on assets | 1.8880% | 807 |
| Return on Equity (ROE) | 5.9034% | 4,063 |
| Retained earnings to average equity (ytd only) | 4.7639% | 3,339 |
| Net charge-offs to loans | 0.3916% | 3,156 |
| Credit loss provision to net charge-offs | 52.2388% | 4,988 |
| Earnings coverage of net charge-offs (x) | 6.5672% | 2,529 |
| Efficiency ratio | 57.1150% | 6,126 |
| Assets per employee ($millions) | 4.0355% | 3,769 |
| Cash dividends to net income (ytd only)* | 19.3018% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,793 |
| Loan loss allowance to noncurrent loans | 107.0671% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 4,345 |
| Noncurrent loans to loans | 1.2572% | 4,436 |
| Net loans and leases to total assets | 73.3699% | 1,435 |
| Net loans and leases to deposits | 100.7120% | 438 |
| Net loans and leases to core deposits | 105.8915% | 874 |
| Total domestic deposits to total assets | 72.8512% | 6,867 |
| Equity capital to assets | 20.6813% | 219 |
| Core capital (leverage) ratio | 20.6771% | 191 |
| Tier 1 risk-based capital ratio | 37.7060% | 288 |
| Total risk-based capital ratio | 38.9624% | 285 |
| Memoranda: | ||
| Average total assets | $59,179,000 | 6,118 |
| Average earning assets | $55,999,750 | 6,030 |
| Average equity | $12,286,500 | 4,490 |
| Average total loans | $45,625,000 | 5,488 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7758% | 749 |
| Cost of funding earning assets | 1.1876% | 2,661 |
| Net interest margin | 4.5881% | 928 |
| Noninterest income to average assets | 0.2997% | 5,491 |
| Noninterest expense to average assets | 2.6189% | 5,121 |
| Loan and lease loss provision to assets | 0.2384% | 3,534 |
| Net operating income to assets | 1.0658% | 1,982 |
| Return on assets (ROA) | 1.0898% | 1,994 |
| Pretax return on assets | 1.8083% | 866 |
| Return on Equity (ROE) | 5.2420% | 4,340 |
| Retained earnings to average equity (ytd only) | 3.8496% | 3,753 |
| Net charge-offs to loans | 0.4670% | 2,710 |
| Credit loss provision to net charge-offs | 65.4206% | 4,190 |
| Earnings coverage of net charge-offs (x) | 5.5140% | 2,602 |
| Efficiency ratio | 56.5857% | 6,347 |
| Assets per employee ($millions) | 3.9377% | 3,900 |
| Cash dividends to net income (ytd only)* | 26.5625% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 4,701 |
| Loan loss allowance to noncurrent loans | 89.9148% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2670% | 2,897 |
| Noncurrent loans to loans | 1.5299% | 4,125 |
| Net loans and leases to total assets | 76.8357% | 940 |
| Net loans and leases to deposits | 105.9064% | 269 |
| Net loans and leases to core deposits | 111.5144% | 668 |
| Total domestic deposits to total assets | 72.5506% | 6,972 |
| Equity capital to assets | 20.8550% | 219 |
| Core capital (leverage) ratio | 20.8474% | 189 |
| Tier 1 risk-based capital ratio | 36.4048% | 314 |
| Total risk-based capital ratio | 37.6586% | 307 |
| Memoranda: | ||
| Average total assets | $58,727,670 | 6,185 |
| Average earning assets | $55,403,670 | 6,108 |
| Average equity | $12,209,000 | 4,505 |
| Average total loans | $45,827,000 | 5,527 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7904% | 752 |
| Cost of funding earning assets | 1.2175% | 2,701 |
| Net interest margin | 4.5729% | 912 |
| Noninterest income to average assets | 0.3074% | 5,469 |
| Noninterest expense to average assets | 2.5683% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3310% | 1,203 |
| Return on assets (ROA) | 1.3798% | 1,147 |
| Pretax return on assets | 2.1244% | 457 |
| Return on Equity (ROE) | 6.6477% | 3,560 |
| Retained earnings to average equity (ytd only) | 4.6732% | 3,392 |
| Net charge-offs to loans | 0.1050% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 973 |
| Efficiency ratio | 55.6213% | 6,542 |
| Assets per employee ($millions) | 3.6683% | 4,610 |
| Cash dividends to net income (ytd only)* | 29.7030% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,451 |
| Loan loss allowance to noncurrent loans | 157.9327% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 3,529 |
| Noncurrent loans to loans | 0.9162% | 5,205 |
| Net loans and leases to total assets | 76.2408% | 1,003 |
| Net loans and leases to deposits | 105.1113% | 276 |
| Net loans and leases to core deposits | 109.9081% | 730 |
| Total domestic deposits to total assets | 72.5334% | 7,035 |
| Equity capital to assets | 20.8304% | 216 |
| Core capital (leverage) ratio | 20.8228% | 191 |
| Tier 1 risk-based capital ratio | 36.4159% | 317 |
| Total risk-based capital ratio | 37.6736% | 310 |
| Memoranda: | ||
| Average total assets | $58,559,000 | 6,239 |
| Average earning assets | $55,194,500 | 6,155 |
| Average equity | $12,154,500 | 4,513 |
| Average total loans | $45,732,500 | 5,574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2691% | 490 |
| Cost of funding earning assets | 1.4456% | 2,987 |
| Net interest margin | 4.8235% | 643 |
| Noninterest income to average assets | 0.3304% | 5,430 |
| Noninterest expense to average assets | 3.2583% | 2,879 |
| Loan and lease loss provision to assets | 1.0509% | 1,533 |
| Net operating income to assets | 0.4211% | 4,457 |
| Return on assets (ROA) | 0.4888% | 4,310 |
| Pretax return on assets | 0.6915% | 4,003 |
| Return on Equity (ROE) | 2.3851% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.3851% | 4,206 |
| Net charge-offs to loans | 0.7602% | 2,739 |
| Credit loss provision to net charge-offs | 167.6630% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.6277% | 3,788 |
| Efficiency ratio | 66.4236% | 4,890 |
| Assets per employee ($millions) | 3.4368% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,257 |
| Loan loss allowance to noncurrent loans | 485.5072% | 658 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 4,080 |
| Noncurrent loans to loans | 0.2996% | 6,456 |
| Net loans and leases to total assets | 77.6893% | 994 |
| Net loans and leases to deposits | 106.9787% | 291 |
| Net loans and leases to core deposits | 111.1002% | 864 |
| Total domestic deposits to total assets | 72.6213% | 7,032 |
| Equity capital to assets | 20.6812% | 224 |
| Core capital (leverage) ratio | 20.6735% | 205 |
| Tier 1 risk-based capital ratio | 36.2208% | 316 |
| Total risk-based capital ratio | 37.4805% | 308 |
| Memoranda: | ||
| Average total assets | $58,710,800 | 6,252 |
| Average earning assets | $55,685,600 | 6,144 |
| Average equity | $12,033,200 | 4,592 |
| Average total loans | $48,410,200 | 5,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 479 |
| Cost of funding earning assets | 1.4914% | 3,031 |
| Net interest margin | 4.8369% | 619 |
| Noninterest income to average assets | 0.3697% | 5,198 |
| Noninterest expense to average assets | 2.8353% | 4,329 |
| Loan and lease loss provision to assets | 0.7644% | 2,002 |
| Net operating income to assets | 1.0369% | 2,115 |
| Return on assets (ROA) | 1.0955% | 2,010 |
| Pretax return on assets | 1.4448% | 1,761 |
| Return on Equity (ROE) | 5.3572% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.3572% | 2,733 |
| Net charge-offs to loans | 1.1592% | 1,760 |
| Credit loss provision to net charge-offs | 79.1080% | 5,165 |
| Earnings coverage of net charge-offs (x) | 2.2066% | 4,075 |
| Efficiency ratio | 57.0776% | 6,403 |
| Assets per employee ($millions) | 3.4658% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 7,194 |
| Loan loss allowance to noncurrent loans | 56.9468% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.1046% | 3,328 |
| Noncurrent loans to loans | 1.2341% | 4,787 |
| Net loans and leases to total assets | 79.6191% | 801 |
| Net loans and leases to deposits | 109.3091% | 271 |
| Net loans and leases to core deposits | 113.7433% | 849 |
| Total domestic deposits to total assets | 72.8385% | 7,049 |
| Equity capital to assets | 20.8391% | 240 |
| Core capital (leverage) ratio | 20.8325% | 215 |
| Tier 1 risk-based capital ratio | 35.9788% | 323 |
| Total risk-based capital ratio | 36.9521% | 325 |
| Memoranda: | ||
| Average total assets | $58,782,250 | 6,311 |
| Average earning assets | $55,874,750 | 6,199 |
| Average equity | $12,020,750 | 4,674 |
| Average total loans | $48,997,750 | 5,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 514 |
| Cost of funding earning assets | 1.5116% | 3,189 |
| Net interest margin | 4.7880% | 667 |
| Noninterest income to average assets | 0.4290% | 4,683 |
| Noninterest expense to average assets | 2.8091% | 4,444 |
| Loan and lease loss provision to assets | 0.6299% | 2,272 |
| Net operating income to assets | 1.0395% | 2,050 |
| Return on assets (ROA) | 1.0624% | 2,047 |
| Pretax return on assets | 1.5969% | 1,315 |
| Return on Equity (ROE) | 5.2283% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.2283% | 2,756 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1607% | 6,618 |
| Assets per employee ($millions) | 3.4086% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 5,322 |
| Loan loss allowance to noncurrent loans | 72.2288% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 4,094 |
| Noncurrent loans to loans | 1.6970% | 4,141 |
| Net loans and leases to total assets | 84.2733% | 333 |
| Net loans and leases to deposits | 116.0315% | 177 |
| Net loans and leases to core deposits | 119.3523% | 718 |
| Total domestic deposits to total assets | 72.6297% | 7,130 |
| Equity capital to assets | 20.8901% | 244 |
| Core capital (leverage) ratio | 20.8858% | 204 |
| Tier 1 risk-based capital ratio | 34.3145% | 369 |
| Total risk-based capital ratio | 35.5650% | 363 |
| Memoranda: | ||
| Average total assets | $58,737,000 | 6,362 |
| Average earning assets | $56,098,000 | 6,240 |
| Average equity | $11,935,000 | 4,698 |
| Average total loans | $49,583,000 | 5,627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1456% | 714 |
| Cost of funding earning assets | 1.5399% | 3,329 |
| Net interest margin | 4.6057% | 939 |
| Noninterest income to average assets | 0.6223% | 3,132 |
| Noninterest expense to average assets | 2.7667% | 4,621 |
| Loan and lease loss provision to assets | 1.2514% | 969 |
| Net operating income to assets | 0.7130% | 3,381 |
| Return on assets (ROA) | 0.7509% | 3,309 |
| Pretax return on assets | 1.0688% | 2,844 |
| Return on Equity (ROE) | 3.7468% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.7468% | 3,905 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9731% | 6,893 |
| Assets per employee ($millions) | 3.4541% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,396 |
| Loan loss allowance to noncurrent loans | 84.9930% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 4,490 |
| Noncurrent loans to loans | 1.4354% | 4,584 |
| Net loans and leases to total assets | 83.5610% | 416 |
| Net loans and leases to deposits | 114.1677% | 209 |
| Net loans and leases to core deposits | 117.3599% | 893 |
| Total domestic deposits to total assets | 73.1914% | 7,143 |
| Equity capital to assets | 20.2776% | 270 |
| Core capital (leverage) ratio | 20.2698% | 237 |
| Tier 1 risk-based capital ratio | 33.6519% | 389 |
| Total risk-based capital ratio | 34.9075% | 385 |
| Memoranda: | ||
| Average total assets | $59,132,500 | 6,424 |
| Average earning assets | $56,625,500 | 6,294 |
| Average equity | $11,850,000 | 4,750 |
| Average total loans | $49,655,000 | 5,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2772% | 1,067 |
| Cost of funding earning assets | 2.0988% | 2,466 |
| Net interest margin | 4.1783% | 2,139 |
| Noninterest income to average assets | 0.2525% | 6,296 |
| Noninterest expense to average assets | 2.4445% | 6,323 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1688% | 1,334 |
| Return on assets (ROA) | 1.1128% | 1,514 |
| Pretax return on assets | 1.7323% | 729 |
| Return on Equity (ROE) | 5.6294% | 3,364 |
| Retained earnings to average equity (ytd only) | -1.8481% | 5,481 |
| Net charge-offs to loans | -0.0306% | 7,815 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3233% | 6,860 |
| Assets per employee ($millions) | 3.5026% | 4,996 |
| Cash dividends to net income (ytd only)* | 132.8290% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,988 |
| Loan loss allowance to noncurrent loans | 526.2500% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 6,906 |
| Noncurrent loans to loans | 0.1612% | 7,023 |
| Net loans and leases to total assets | 82.6535% | 586 |
| Net loans and leases to deposits | 112.4423% | 307 |
| Net loans and leases to core deposits | 175.4456% | 193 |
| Total domestic deposits to total assets | 73.5074% | 7,086 |
| Equity capital to assets | 19.8052% | 310 |
| Core capital (leverage) ratio | 19.8015% | 288 |
| Tier 1 risk-based capital ratio | 32.9975% | 412 |
| Total risk-based capital ratio | 34.1758% | 400 |
| Memoranda: | ||
| Average total assets | $59,399,800 | 6,375 |
| Average earning assets | $57,032,200 | 6,247 |
| Average equity | $11,742,000 | 4,805 |
| Average total loans | $49,075,000 | 5,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2823% | 1,174 |
| Cost of funding earning assets | 2.1861% | 2,471 |
| Net interest margin | 4.0962% | 2,413 |
| Noninterest income to average assets | 0.2583% | 6,386 |
| Noninterest expense to average assets | 2.4302% | 6,312 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1318% | 1,631 |
| Return on assets (ROA) | 1.0556% | 1,943 |
| Pretax return on assets | 1.6441% | 1,085 |
| Return on Equity (ROE) | 5.3426% | 3,815 |
| Retained earnings to average equity (ytd only) | -4.6379% | 6,209 |
| Net charge-offs to loans | -0.0409% | 7,839 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9539% | 6,721 |
| Assets per employee ($millions) | 3.7390% | 4,340 |
| Cash dividends to net income (ytd only)* | 186.8092% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 6,905 |
| Loan loss allowance to noncurrent loans | 280.6667% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 6,887 |
| Noncurrent loans to loans | 0.3086% | 6,748 |
| Net loans and leases to total assets | 80.5396% | 1,077 |
| Net loans and leases to deposits | 108.6992% | 511 |
| Net loans and leases to core deposits | 165.8474% | 307 |
| Total domestic deposits to total assets | 74.0940% | 6,930 |
| Equity capital to assets | 19.3919% | 381 |
| Core capital (leverage) ratio | 19.3898% | 352 |
| Tier 1 risk-based capital ratio | 32.9958% | 444 |
| Total risk-based capital ratio | 34.1934% | 433 |
| Memoranda: | ||
| Average total assets | $59,363,500 | 6,409 |
| Average earning assets | $57,026,750 | 6,296 |
| Average equity | $11,729,250 | 4,859 |
| Average total loans | $48,934,500 | 5,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 1,200 |
| Cost of funding earning assets | 2.2637% | 2,510 |
| Net interest margin | 4.0388% | 2,543 |
| Noninterest income to average assets | 0.2837% | 6,236 |
| Noninterest expense to average assets | 2.4726% | 6,212 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0635% | 1,902 |
| Return on assets (ROA) | 0.9424% | 2,400 |
| Pretax return on assets | 1.5031% | 1,432 |
| Return on Equity (ROE) | 4.7401% | 4,190 |
| Retained earnings to average equity (ytd only) | -4.0945% | 6,152 |
| Net charge-offs to loans | -0.0652% | 7,890 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3674% | 6,640 |
| Assets per employee ($millions) | 3.9491% | 3,777 |
| Cash dividends to net income (ytd only)* | 186.3799% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 6,939 |
| Loan loss allowance to noncurrent loans | 274.0260% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 6,415 |
| Noncurrent loans to loans | 0.3138% | 6,728 |
| Net loans and leases to total assets | 82.1294% | 934 |
| Net loans and leases to deposits | 111.5542% | 497 |
| Net loans and leases to core deposits | 171.8024% | 303 |
| Total domestic deposits to total assets | 73.6229% | 7,015 |
| Equity capital to assets | 19.8575% | 396 |
| Core capital (leverage) ratio | 19.8596% | 370 |
| Tier 1 risk-based capital ratio | 33.4413% | 461 |
| Total risk-based capital ratio | 34.6409% | 453 |
| Memoranda: | ||
| Average total assets | $59,210,000 | 6,471 |
| Average earning assets | $56,898,670 | 6,352 |
| Average equity | $11,772,000 | 4,877 |
| Average total loans | $49,045,000 | 5,808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2882% | 1,333 |
| Cost of funding earning assets | 2.4196% | 2,210 |
| Net interest margin | 3.8686% | 3,193 |
| Noninterest income to average assets | 0.2838% | 6,166 |
| Noninterest expense to average assets | 2.4055% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0349% | 2,179 |
| Return on assets (ROA) | 0.7230% | 3,647 |
| Pretax return on assets | 1.1149% | 2,936 |
| Return on Equity (ROE) | 3.6344% | 5,114 |
| Retained earnings to average equity (ytd only) | -13.3486% | 7,348 |
| Net charge-offs to loans | -0.1305% | 7,944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1351% | 6,386 |
| Assets per employee ($millions) | 3.8417% | 3,993 |
| Cash dividends to net income (ytd only)* | 467.2897% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,905 |
| Loan loss allowance to noncurrent loans | 7,033.3333% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 7,021 |
| Noncurrent loans to loans | 0.0123% | 7,532 |
| Net loans and leases to total assets | 84.2120% | 660 |
| Net loans and leases to deposits | 114.9163% | 411 |
| Net loans and leases to core deposits | 170.1483% | 338 |
| Total domestic deposits to total assets | 73.2812% | 7,012 |
| Equity capital to assets | 20.1229% | 411 |
| Core capital (leverage) ratio | 20.1422% | 393 |
| Tier 1 risk-based capital ratio | 33.4302% | 479 |
| Total risk-based capital ratio | 34.6451% | 475 |
| Memoranda: | ||
| Average total assets | $59,196,500 | 6,500 |
| Average earning assets | $56,868,500 | 6,382 |
| Average equity | $11,776,500 | 4,908 |
| Average total loans | $49,031,000 | 5,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4913% | 3,006 |
| Cost of funding earning assets | 2.7683% | 2,841 |
| Net interest margin | 3.7231% | 4,370 |
| Noninterest income to average assets | 0.1847% | 7,126 |
| Noninterest expense to average assets | 2.3155% | 6,649 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9084% | 2,963 |
| Return on assets (ROA) | 0.9137% | 2,794 |
| Pretax return on assets | 1.4530% | 1,813 |
| Return on Equity (ROE) | 4.6042% | 4,554 |
| Retained earnings to average equity (ytd only) | -3.8562% | 6,290 |
| Net charge-offs to loans | 0.0548% | 6,000 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 32.4444% | 1,111 |
| Efficiency ratio | 61.5789% | 6,034 |
| Assets per employee ($millions) | 4.0511% | 3,409 |
| Cash dividends to net income (ytd only)* | 183.7545% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 6,983 |
| Loan loss allowance to noncurrent loans | 138.9078% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 5,768 |
| Noncurrent loans to loans | 0.5966% | 5,584 |
| Net loans and leases to total assets | 80.1504% | 1,627 |
| Net loans and leases to deposits | 114.5407% | 591 |
| Net loans and leases to core deposits | 169.0031% | 423 |
| Total domestic deposits to total assets | 69.9755% | 7,277 |
| Equity capital to assets | 19.6768% | 484 |
| Core capital (leverage) ratio | 19.7308% | 455 |
| Tier 1 risk-based capital ratio | 33.6001% | 491 |
| Total risk-based capital ratio | 34.7392% | 484 |
| Memoranda: | ||
| Average total assets | $60,634,000 | 6,365 |
| Average earning assets | $58,231,600 | 6,256 |
| Average equity | $12,032,600 | 4,817 |
| Average total loans | $49,232,200 | 5,736 |