Home > Security First Bank of North Dakota > Performance and Condition Ratios
Security First Bank of North Dakota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 1,210 |
| Cost of funding earning assets | 0.8568% | 3,601 |
| Net interest margin | 4.6087% | 517 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.8306% | 1,427 |
| Loan and lease loss provision to assets | 0.4100% | 237 |
| Net operating income to assets | 1.4546% | 1,112 |
| Return on assets (ROA) | 1.5030% | 983 |
| Pretax return on assets | 1.5030% | 1,412 |
| Return on Equity (ROE) | 12.5000% | 1,839 |
| Retained earnings to average equity (ytd only) | 6.2987% | 2,133 |
| Net charge-offs to loans | -0.0369% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3245% | 3,040 |
| Assets per employee ($millions) | 7.6351% | 1,635 |
| Cash dividends to net income (ytd only)* | 49.5937% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1990% | 280 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.9200% | 648 |
| Net loans and leases to deposits | 99.4259% | 567 |
| Net loans and leases to core deposits | 103.6648% | 1,238 |
| Total domestic deposits to total assets | 80.3900% | 3,401 |
| Equity capital to assets | 11.5226% | 1,278 |
| Core capital (leverage) ratio | 12.3171% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $245,637,600 | 2,710 |
| Average earning assets | $231,085,400 | 2,684 |
| Average equity | $29,545,600 | 2,284 |
| Average total loans | $195,047,000 | 2,319 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 1,236 |
| Cost of funding earning assets | 0.6588% | 3,848 |
| Net interest margin | 4.6744% | 476 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.7767% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9888% | 507 |
| Return on assets (ROA) | 2.0411% | 467 |
| Pretax return on assets | 2.0411% | 719 |
| Return on Equity (ROE) | 16.7800% | 1,116 |
| Retained earnings to average equity (ytd only) | 14.9699% | 557 |
| Net charge-offs to loans | -0.0503% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2669% | 3,176 |
| Assets per employee ($millions) | 7.2813% | 1,764 |
| Cash dividends to net income (ytd only)* | 10.7904% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 606 |
| Loan loss allowance to noncurrent loans | 8,523.2558% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,662 |
| Noncurrent loans to loans | 0.0207% | 3,614 |
| Net loans and leases to total assets | 80.0900% | 633 |
| Net loans and leases to deposits | 102.6586% | 405 |
| Net loans and leases to core deposits | 106.2740% | 1,001 |
| Total domestic deposits to total assets | 78.0200% | 3,814 |
| Equity capital to assets | 12.0351% | 1,034 |
| Core capital (leverage) ratio | 13.5466% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $242,148,250 | 2,730 |
| Average earning assets | $228,103,000 | 2,700 |
| Average equity | $29,454,000 | 2,275 |
| Average total loans | $190,772,250 | 2,355 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 1,193 |
| Cost of funding earning assets | 0.4882% | 4,007 |
| Net interest margin | 4.7256% | 439 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.8279% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0108% | 456 |
| Return on assets (ROA) | 2.0301% | 441 |
| Pretax return on assets | 2.0301% | 715 |
| Return on Equity (ROE) | 16.6300% | 1,158 |
| Retained earnings to average equity (ytd only) | 16.6275% | 416 |
| Net charge-offs to loans | -0.0843% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.4434% | 3,142 |
| Assets per employee ($millions) | 7.0063% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 473 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.2700% | 805 |
| Net loans and leases to deposits | 92.4603% | 992 |
| Net loans and leases to core deposits | 94.8102% | 1,536 |
| Total domestic deposits to total assets | 84.6500% | 2,642 |
| Equity capital to assets | 12.6370% | 903 |
| Core capital (leverage) ratio | 13.4465% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,915,667 | 2,766 |
| Average earning assets | $224,097,333 | 2,738 |
| Average equity | $29,048,333 | 2,303 |
| Average total loans | $185,104,333 | 2,394 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 1,131 |
| Cost of funding earning assets | 0.3368% | 4,116 |
| Net interest margin | 4.7211% | 426 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.8145% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9936% | 498 |
| Return on assets (ROA) | 2.0154% | 476 |
| Pretax return on assets | 2.0154% | 756 |
| Return on Equity (ROE) | 16.8000% | 1,210 |
| Retained earnings to average equity (ytd only) | 16.8017% | 613 |
| Net charge-offs to loans | -0.2015% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.5374% | 3,128 |
| Assets per employee ($millions) | 6.7470% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.2400% | 1,056 |
| Net loans and leases to deposits | 87.6014% | 1,242 |
| Net loans and leases to core deposits | 89.6099% | 1,638 |
| Total domestic deposits to total assets | 85.8900% | 2,627 |
| Equity capital to assets | 12.4199% | 891 |
| Core capital (leverage) ratio | 12.8846% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $237,766,500 | 2,808 |
| Average earning assets | $223,252,500 | 2,778 |
| Average equity | $28,521,000 | 2,359 |
| Average total loans | $182,597,000 | 2,435 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 1,572 |
| Cost of funding earning assets | 0.1174% | 4,299 |
| Net interest margin | 3.9371% | 882 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.6816% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4240% | 1,065 |
| Return on assets (ROA) | 1.4199% | 1,041 |
| Pretax return on assets | 1.4199% | 1,712 |
| Return on Equity (ROE) | 12.6700% | 1,917 |
| Retained earnings to average equity (ytd only) | 4.8715% | 3,105 |
| Net charge-offs to loans | -0.0247% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.3153% | 2,319 |
| Assets per employee ($millions) | 7.0408% | 1,941 |
| Cash dividends to net income (ytd only)* | 61.5495% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 471 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.2900% | 1,091 |
| Net loans and leases to deposits | 86.6835% | 1,262 |
| Net loans and leases to core deposits | 88.3240% | 1,592 |
| Total domestic deposits to total assets | 86.8600% | 2,440 |
| Equity capital to assets | 11.5766% | 1,060 |
| Core capital (leverage) ratio | 12.1248% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $244,519,200 | 2,762 |
| Average earning assets | $230,908,000 | 2,728 |
| Average equity | $27,404,200 | 2,455 |
| Average total loans | $170,066,000 | 2,453 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 1,823 |
| Cost of funding earning assets | 0.0985% | 4,297 |
| Net interest margin | 3.6783% | 1,193 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.7045% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1152% | 2,025 |
| Return on assets (ROA) | 1.1044% | 2,038 |
| Pretax return on assets | 1.1044% | 2,707 |
| Return on Equity (ROE) | 9.9300% | 2,747 |
| Retained earnings to average equity (ytd only) | 1.2149% | 4,185 |
| Net charge-offs to loans | -0.0360% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8037% | 1,668 |
| Assets per employee ($millions) | 7.0204% | 1,927 |
| Cash dividends to net income (ytd only)* | 87.7701% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0429% | 468 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.1700% | 1,465 |
| Net loans and leases to deposits | 80.2907% | 1,559 |
| Net loans and leases to core deposits | 82.4199% | 1,735 |
| Total domestic deposits to total assets | 87.4000% | 2,623 |
| Equity capital to assets | 10.7438% | 1,274 |
| Core capital (leverage) ratio | 11.3971% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $245,802,000 | 2,772 |
| Average earning assets | $232,744,750 | 2,740 |
| Average equity | $27,327,000 | 2,496 |
| Average total loans | $166,625,750 | 2,488 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 2,107 |
| Cost of funding earning assets | 0.0954% | 4,239 |
| Net interest margin | 3.4156% | 1,554 |
| Noninterest income to average assets | 0.3344% | 3,155 |
| Noninterest expense to average assets | 2.6840% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8852% | 2,648 |
| Return on assets (ROA) | 0.8689% | 2,675 |
| Pretax return on assets | 0.8689% | 3,151 |
| Return on Equity (ROE) | 7.7290% | 3,095 |
| Retained earnings to average equity (ytd only) | -3.3941% | 4,476 |
| Net charge-offs to loans | -0.0550% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1995% | 1,367 |
| Assets per employee ($millions) | 6.8832% | 2,017 |
| Cash dividends to net income (ytd only)* | 143.9139% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 422 |
| Loan loss allowance to noncurrent loans | 359,600.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,085 |
| Noncurrent loans to loans | 0.0006% | 4,018 |
| Net loans and leases to total assets | 64.9101% | 1,816 |
| Net loans and leases to deposits | 73.9374% | 1,875 |
| Net loans and leases to core deposits | 75.7812% | 2,035 |
| Total domestic deposits to total assets | 87.7906% | 2,660 |
| Equity capital to assets | 10.4437% | 1,462 |
| Core capital (leverage) ratio | 11.1231% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,831,667 | 2,795 |
| Average earning assets | $232,812,667 | 2,773 |
| Average equity | $27,636,333 | 2,540 |
| Average total loans | $163,492,667 | 2,520 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 1,931 |
| Cost of funding earning assets | 0.1049% | 4,069 |
| Net interest margin | 3.3513% | 1,438 |
| Noninterest income to average assets | 0.3364% | 3,077 |
| Noninterest expense to average assets | 2.6511% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8600% | 2,449 |
| Return on assets (ROA) | 0.8484% | 2,482 |
| Pretax return on assets | 0.8484% | 2,951 |
| Return on Equity (ROE) | 7.2739% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.2739% | 1,802 |
| Net charge-offs to loans | -0.1120% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5073% | 1,584 |
| Assets per employee ($millions) | 6.5525% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2182% | 424 |
| Loan loss allowance to noncurrent loans | 71,920.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,095 |
| Noncurrent loans to loans | 0.0031% | 4,027 |
| Net loans and leases to total assets | 65.3822% | 1,477 |
| Net loans and leases to deposits | 75.3594% | 1,499 |
| Net loans and leases to core deposits | 77.1722% | 1,685 |
| Total domestic deposits to total assets | 86.7605% | 3,011 |
| Equity capital to assets | 11.5673% | 1,104 |
| Core capital (leverage) ratio | 11.9268% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,407,500 | 2,838 |
| Average earning assets | $228,688,500 | 2,821 |
| Average equity | $28,155,500 | 2,595 |
| Average total loans | $160,784,500 | 2,541 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 1,095 |
| Cost of funding earning assets | 0.1532% | 3,937 |
| Net interest margin | 3.9879% | 732 |
| Noninterest income to average assets | 0.8684% | 1,282 |
| Noninterest expense to average assets | 3.0527% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5811% | 858 |
| Return on assets (ROA) | 1.5980% | 845 |
| Pretax return on assets | 1.5980% | 1,424 |
| Return on Equity (ROE) | 12.8451% | 1,509 |
| Retained earnings to average equity (ytd only) | 1.3243% | 4,168 |
| Net charge-offs to loans | -0.0220% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8797% | 2,274 |
| Assets per employee ($millions) | 6.4966% | 2,337 |
| Cash dividends to net income (ytd only)* | 89.6899% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2269% | 434 |
| Loan loss allowance to noncurrent loans | 20,888.2353% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,097 |
| Noncurrent loans to loans | 0.0107% | 4,015 |
| Net loans and leases to total assets | 64.8609% | 1,597 |
| Net loans and leases to deposits | 74.7986% | 1,667 |
| Net loans and leases to core deposits | 76.5118% | 1,878 |
| Total domestic deposits to total assets | 86.7140% | 2,617 |
| Equity capital to assets | 11.7596% | 1,364 |
| Core capital (leverage) ratio | 11.8972% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,964,800 | 2,880 |
| Average earning assets | $211,465,000 | 2,863 |
| Average equity | $27,862,800 | 2,659 |
| Average total loans | $163,689,600 | 2,516 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 898 |
| Cost of funding earning assets | 0.1677% | 3,945 |
| Net interest margin | 4.1731% | 574 |
| Noninterest income to average assets | 0.7016% | 1,816 |
| Noninterest expense to average assets | 3.0794% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5609% | 1,122 |
| Return on assets (ROA) | 1.5779% | 1,131 |
| Pretax return on assets | 1.5779% | 1,769 |
| Return on Equity (ROE) | 12.4965% | 1,866 |
| Retained earnings to average equity (ytd only) | 0.2017% | 4,535 |
| Net charge-offs to loans | -0.0518% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3617% | 2,052 |
| Assets per employee ($millions) | 5.9751% | 2,722 |
| Cash dividends to net income (ytd only)* | 98.3859% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 439 |
| Loan loss allowance to noncurrent loans | 19,883.3333% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,197 |
| Noncurrent loans to loans | 0.0112% | 4,125 |
| Net loans and leases to total assets | 69.2744% | 1,158 |
| Net loans and leases to deposits | 80.3544% | 1,254 |
| Net loans and leases to core deposits | 82.3132% | 1,549 |
| Total domestic deposits to total assets | 86.2111% | 2,662 |
| Equity capital to assets | 12.3588% | 1,237 |
| Core capital (leverage) ratio | 12.4223% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,862,750 | 2,935 |
| Average earning assets | $207,513,500 | 2,921 |
| Average equity | $27,761,750 | 2,697 |
| Average total loans | $164,747,250 | 2,549 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 1,233 |
| Cost of funding earning assets | 0.1726% | 4,019 |
| Net interest margin | 3.9967% | 826 |
| Noninterest income to average assets | 0.8047% | 1,522 |
| Noninterest expense to average assets | 3.1453% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4283% | 1,490 |
| Return on assets (ROA) | 1.4448% | 1,498 |
| Pretax return on assets | 1.4448% | 2,192 |
| Return on Equity (ROE) | 11.3585% | 2,283 |
| Retained earnings to average equity (ytd only) | -4.6201% | 4,782 |
| Net charge-offs to loans | -0.0819% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7714% | 1,787 |
| Assets per employee ($millions) | 5.8337% | 2,780 |
| Cash dividends to net income (ytd only)* | 140.6747% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 429 |
| Loan loss allowance to noncurrent loans | 15,578.2609% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,233 |
| Noncurrent loans to loans | 0.0141% | 4,168 |
| Net loans and leases to total assets | 72.0215% | 963 |
| Net loans and leases to deposits | 83.7137% | 1,086 |
| Net loans and leases to core deposits | 85.6282% | 1,446 |
| Total domestic deposits to total assets | 86.0331% | 2,728 |
| Equity capital to assets | 12.3610% | 1,197 |
| Core capital (leverage) ratio | 12.1754% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,466,333 | 2,958 |
| Average earning assets | $205,068,000 | 2,944 |
| Average equity | $27,662,000 | 2,695 |
| Average total loans | $166,040,333 | 2,542 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 1,639 |
| Cost of funding earning assets | 0.1834% | 4,056 |
| Net interest margin | 3.8009% | 1,136 |
| Noninterest income to average assets | 1.1627% | 898 |
| Noninterest expense to average assets | 3.1798% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5620% | 1,195 |
| Return on assets (ROA) | 1.5955% | 1,189 |
| Pretax return on assets | 1.5955% | 1,743 |
| Return on Equity (ROE) | 12.3633% | 1,884 |
| Retained earnings to average equity (ytd only) | -7.9303% | 4,777 |
| Net charge-offs to loans | -0.0167% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0584% | 2,066 |
| Assets per employee ($millions) | 5.7979% | 2,803 |
| Cash dividends to net income (ytd only)* | 164.1444% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 493 |
| Loan loss allowance to noncurrent loans | 11,740.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,282 |
| Noncurrent loans to loans | 0.0179% | 4,200 |
| Net loans and leases to total assets | 74.2905% | 787 |
| Net loans and leases to deposits | 86.4360% | 930 |
| Net loans and leases to core deposits | 88.3966% | 1,336 |
| Total domestic deposits to total assets | 85.9486% | 2,754 |
| Equity capital to assets | 12.4765% | 1,089 |
| Core capital (leverage) ratio | 12.9222% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,359,000 | 2,963 |
| Average earning assets | $202,796,500 | 2,949 |
| Average equity | $27,792,000 | 2,686 |
| Average total loans | $167,440,000 | 2,531 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 705 |
| Cost of funding earning assets | 0.2351% | 4,440 |
| Net interest margin | 4.5886% | 269 |
| Noninterest income to average assets | 1.0795% | 917 |
| Noninterest expense to average assets | 3.5293% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8440% | 356 |
| Return on assets (ROA) | 1.8400% | 384 |
| Pretax return on assets | 1.8400% | 624 |
| Return on Equity (ROE) | 13.2197% | 986 |
| Retained earnings to average equity (ytd only) | 5.4675% | 2,063 |
| Net charge-offs to loans | -0.0690% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6820% | 2,579 |
| Assets per employee ($millions) | 5.3948% | 2,960 |
| Cash dividends to net income (ytd only)* | 58.6408% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 491 |
| Loan loss allowance to noncurrent loans | 11,716.6667% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 4,342 |
| Noncurrent loans to loans | 0.0179% | 4,278 |
| Net loans and leases to total assets | 78.0265% | 600 |
| Net loans and leases to deposits | 91.5002% | 816 |
| Net loans and leases to core deposits | 94.2135% | 1,233 |
| Total domestic deposits to total assets | 85.2746% | 2,661 |
| Equity capital to assets | 13.3537% | 981 |
| Core capital (leverage) ratio | 13.5431% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,928,800 | 2,974 |
| Average earning assets | $183,344,200 | 2,965 |
| Average equity | $27,270,000 | 2,660 |
| Average total loans | $165,243,800 | 2,524 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 1,010 |
| Cost of funding earning assets | 0.2493% | 4,515 |
| Net interest margin | 4.4755% | 403 |
| Noninterest income to average assets | 0.9644% | 1,093 |
| Noninterest expense to average assets | 3.5386% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6078% | 715 |
| Return on assets (ROA) | 1.6168% | 764 |
| Pretax return on assets | 1.6168% | 1,142 |
| Return on Equity (ROE) | 11.4887% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.8968% | 3,559 |
| Net charge-offs to loans | -0.0146% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7593% | 2,075 |
| Assets per employee ($millions) | 5.1303% | 3,082 |
| Cash dividends to net income (ytd only)* | 74.7856% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 604 |
| Loan loss allowance to noncurrent loans | 5,794.9153% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,315 |
| Noncurrent loans to loans | 0.0326% | 4,261 |
| Net loans and leases to total assets | 88.8641% | 63 |
| Net loans and leases to deposits | 107.6622% | 276 |
| Net loans and leases to core deposits | 110.7235% | 670 |
| Total domestic deposits to total assets | 82.5397% | 3,268 |
| Equity capital to assets | 13.5724% | 979 |
| Core capital (leverage) ratio | 13.5738% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,311,250 | 2,988 |
| Average earning assets | $179,700,750 | 2,982 |
| Average equity | $27,063,500 | 2,663 |
| Average total loans | $164,634,250 | 2,535 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 1,345 |
| Cost of funding earning assets | 0.2624% | 4,584 |
| Net interest margin | 4.4638% | 542 |
| Noninterest income to average assets | 1.4231% | 520 |
| Noninterest expense to average assets | 3.5589% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0251% | 315 |
| Return on assets (ROA) | 2.0293% | 348 |
| Pretax return on assets | 2.0293% | 513 |
| Return on Equity (ROE) | 14.2420% | 845 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,308 |
| Net charge-offs to loans | 0.0176% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 137.2143% | 564 |
| Efficiency ratio | 63.7342% | 2,858 |
| Assets per employee ($millions) | 5.0562% | 3,104 |
| Cash dividends to net income (ytd only)* | 43.8442% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0326% | 416 |
| Loan loss allowance to noncurrent loans | 8,260.9756% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 4,451 |
| Noncurrent loans to loans | 0.0246% | 4,385 |
| Net loans and leases to total assets | 82.7847% | 342 |
| Net loans and leases to deposits | 98.3463% | 633 |
| Net loans and leases to core deposits | 101.1012% | 1,184 |
| Total domestic deposits to total assets | 84.1768% | 2,687 |
| Equity capital to assets | 14.0199% | 849 |
| Core capital (leverage) ratio | 14.1800% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,720,667 | 2,991 |
| Average earning assets | $176,846,667 | 2,988 |
| Average equity | $27,032,667 | 2,641 |
| Average total loans | $159,105,333 | 2,573 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 1,251 |
| Cost of funding earning assets | 0.2778% | 4,713 |
| Net interest margin | 4.6000% | 412 |
| Noninterest income to average assets | 0.9377% | 985 |
| Noninterest expense to average assets | 3.5401% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6711% | 542 |
| Return on assets (ROA) | 1.6711% | 598 |
| Pretax return on assets | 1.6711% | 909 |
| Return on Equity (ROE) | 11.6291% | 1,218 |
| Retained earnings to average equity (ytd only) | 11.6291% | 466 |
| Net charge-offs to loans | 0.0386% | 1,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 51.8000% | 877 |
| Efficiency ratio | 67.9323% | 2,677 |
| Assets per employee ($millions) | 4.9129% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 374 |
| Loan loss allowance to noncurrent loans | 8,061.9048% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,523 |
| Noncurrent loans to loans | 0.0273% | 4,456 |
| Net loans and leases to total assets | 80.4885% | 637 |
| Net loans and leases to deposits | 95.8879% | 924 |
| Net loans and leases to core deposits | 101.0171% | 1,397 |
| Total domestic deposits to total assets | 83.9402% | 2,807 |
| Equity capital to assets | 14.4577% | 911 |
| Core capital (leverage) ratio | 14.7747% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,985,500 | 2,996 |
| Average earning assets | $172,782,000 | 2,983 |
| Average equity | $26,726,000 | 2,656 |
| Average total loans | $155,342,500 | 2,585 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2250% | 937 |
| Cost of funding earning assets | 0.2712% | 4,797 |
| Net interest margin | 4.9538% | 293 |
| Noninterest income to average assets | 0.7743% | 1,530 |
| Noninterest expense to average assets | 3.3892% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0047% | 348 |
| Return on assets (ROA) | 1.9632% | 401 |
| Pretax return on assets | 1.9632% | 646 |
| Return on Equity (ROE) | 13.7807% | 943 |
| Retained earnings to average equity (ytd only) | 3.2097% | 3,413 |
| Net charge-offs to loans | -0.0726% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8340% | 3,239 |
| Assets per employee ($millions) | 4.8758% | 2,741 |
| Cash dividends to net income (ytd only)* | 76.7089% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1658% | 349 |
| Loan loss allowance to noncurrent loans | 48,585.7143% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,670 |
| Noncurrent loans to loans | 0.0045% | 4,585 |
| Net loans and leases to total assets | 82.9195% | 437 |
| Net loans and leases to deposits | 98.6003% | 708 |
| Net loans and leases to core deposits | 103.2084% | 1,292 |
| Total domestic deposits to total assets | 84.0966% | 2,821 |
| Equity capital to assets | 14.2816% | 1,005 |
| Core capital (leverage) ratio | 14.5978% | 777 |
| Tier 1 risk-based capital ratio | 15.6410% | 2,528 |
| Total risk-based capital ratio | 16.9008% | 2,463 |
| Memoranda: | ||
| Average total assets | $181,077,600 | 3,012 |
| Average earning assets | $168,861,600 | 3,005 |
| Average equity | $25,797,000 | 2,653 |
| Average total loans | $152,879,600 | 2,591 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2414% | 961 |
| Cost of funding earning assets | 0.2701% | 4,872 |
| Net interest margin | 4.9713% | 308 |
| Noninterest income to average assets | 0.8095% | 1,390 |
| Noninterest expense to average assets | 3.3905% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0530% | 361 |
| Return on assets (ROA) | 1.9974% | 415 |
| Pretax return on assets | 1.9974% | 690 |
| Return on Equity (ROE) | 14.0295% | 978 |
| Retained earnings to average equity (ytd only) | 1.6438% | 4,383 |
| Net charge-offs to loans | -0.0966% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2857% | 3,280 |
| Assets per employee ($millions) | 4.7969% | 2,796 |
| Cash dividends to net income (ytd only)* | 88.2834% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1574% | 353 |
| Loan loss allowance to noncurrent loans | 42,500.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,752 |
| Noncurrent loans to loans | 0.0051% | 4,665 |
| Net loans and leases to total assets | 84.5910% | 287 |
| Net loans and leases to deposits | 100.5641% | 592 |
| Net loans and leases to core deposits | 105.3388% | 1,232 |
| Total domestic deposits to total assets | 84.1165% | 2,780 |
| Equity capital to assets | 14.2493% | 1,058 |
| Core capital (leverage) ratio | 14.2371% | 923 |
| Tier 1 risk-based capital ratio | 15.3982% | 2,674 |
| Total risk-based capital ratio | 16.6577% | 2,606 |
| Memoranda: | ||
| Average total assets | $180,026,750 | 3,043 |
| Average earning assets | $167,813,000 | 3,042 |
| Average equity | $25,631,000 | 2,672 |
| Average total loans | $151,840,750 | 2,630 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 1,030 |
| Cost of funding earning assets | 0.2582% | 4,933 |
| Net interest margin | 4.9186% | 341 |
| Noninterest income to average assets | 0.6426% | 1,959 |
| Noninterest expense to average assets | 3.3792% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8530% | 536 |
| Return on assets (ROA) | 1.7894% | 634 |
| Pretax return on assets | 1.7894% | 1,062 |
| Return on Equity (ROE) | 12.5722% | 1,380 |
| Retained earnings to average equity (ytd only) | 1.7636% | 4,187 |
| Net charge-offs to loans | -0.0667% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5842% | 3,042 |
| Assets per employee ($millions) | 4.7056% | 2,872 |
| Cash dividends to net income (ytd only)* | 85.9726% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 314 |
| Loan loss allowance to noncurrent loans | 8,350.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,668 |
| Noncurrent loans to loans | 0.0270% | 4,588 |
| Net loans and leases to total assets | 81.1204% | 714 |
| Net loans and leases to deposits | 96.7394% | 958 |
| Net loans and leases to core deposits | 104.2632% | 1,364 |
| Total domestic deposits to total assets | 83.8546% | 2,927 |
| Equity capital to assets | 14.4414% | 968 |
| Core capital (leverage) ratio | 14.4345% | 847 |
| Tier 1 risk-based capital ratio | 15.7617% | 2,517 |
| Total risk-based capital ratio | 17.0217% | 2,446 |
| Memoranda: | ||
| Average total assets | $179,274,670 | 3,063 |
| Average earning assets | $167,283,670 | 3,057 |
| Average equity | $25,516,670 | 2,673 |
| Average total loans | $149,922,670 | 2,660 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 1,125 |
| Cost of funding earning assets | 0.2409% | 5,012 |
| Net interest margin | 4.8460% | 373 |
| Noninterest income to average assets | 0.6039% | 2,025 |
| Noninterest expense to average assets | 3.3024% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8295% | 534 |
| Return on assets (ROA) | 1.7715% | 640 |
| Pretax return on assets | 1.7715% | 1,044 |
| Return on Equity (ROE) | 12.5377% | 1,374 |
| Retained earnings to average equity (ytd only) | -1.4982% | 4,704 |
| Net charge-offs to loans | -0.0531% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3508% | 3,182 |
| Assets per employee ($millions) | 4.6325% | 3,003 |
| Cash dividends to net income (ytd only)* | 111.9497% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2598% | 327 |
| Loan loss allowance to noncurrent loans | 2,981.9820% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 4,507 |
| Noncurrent loans to loans | 0.0758% | 4,421 |
| Net loans and leases to total assets | 81.3269% | 668 |
| Net loans and leases to deposits | 97.4587% | 845 |
| Net loans and leases to core deposits | 104.6903% | 1,263 |
| Total domestic deposits to total assets | 83.4475% | 3,237 |
| Equity capital to assets | 14.4143% | 907 |
| Core capital (leverage) ratio | 14.3305% | 858 |
| Tier 1 risk-based capital ratio | 15.9876% | 2,446 |
| Total risk-based capital ratio | 17.2477% | 2,387 |
| Memoranda: | ||
| Average total assets | $179,506,000 | 3,094 |
| Average earning assets | $167,725,500 | 3,080 |
| Average equity | $25,363,500 | 2,686 |
| Average total loans | $150,687,500 | 2,681 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 933 |
| Cost of funding earning assets | 0.1918% | 5,035 |
| Net interest margin | 4.8662% | 345 |
| Noninterest income to average assets | 0.5727% | 2,435 |
| Noninterest expense to average assets | 3.1363% | 1,711 |
| Loan and lease loss provision to assets | 0.6684% | 159 |
| Net operating income to assets | 1.3215% | 1,713 |
| Return on assets (ROA) | 1.3215% | 1,704 |
| Pretax return on assets | 1.3215% | 2,428 |
| Return on Equity (ROE) | 9.9150% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.7651% | 1,775 |
| Net charge-offs to loans | 0.3526% | 536 |
| Credit loss provision to net charge-offs | 227.5926% | 1,299 |
| Earnings coverage of net charge-offs (x) | 6.7759% | 3,055 |
| Efficiency ratio | 61.1818% | 3,664 |
| Assets per employee ($millions) | 4.8152% | 2,715 |
| Cash dividends to net income (ytd only)* | 31.7695% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 384 |
| Loan loss allowance to noncurrent loans | 412.2807% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 2,819 |
| Noncurrent loans to loans | 0.5152% | 2,734 |
| Net loans and leases to total assets | 82.8580% | 531 |
| Net loans and leases to deposits | 98.5325% | 849 |
| Net loans and leases to core deposits | 106.7172% | 1,213 |
| Total domestic deposits to total assets | 84.0921% | 2,973 |
| Equity capital to assets | 13.8558% | 1,016 |
| Core capital (leverage) ratio | 13.9508% | 934 |
| Tier 1 risk-based capital ratio | 15.5670% | 2,586 |
| Total risk-based capital ratio | 16.8268% | 2,510 |
| Memoranda: | ||
| Average total assets | $183,880,800 | 3,017 |
| Average earning assets | $172,066,200 | 3,002 |
| Average equity | $24,508,200 | 2,677 |
| Average total loans | $153,128,800 | 2,611 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 1,539 |
| Cost of funding earning assets | 0.1872% | 5,067 |
| Net interest margin | 4.5660% | 642 |
| Noninterest income to average assets | 0.5714% | 2,467 |
| Noninterest expense to average assets | 3.0916% | 1,783 |
| Loan and lease loss provision to assets | 0.6163% | 168 |
| Net operating income to assets | 1.1392% | 2,495 |
| Return on assets (ROA) | 1.1392% | 2,507 |
| Pretax return on assets | 1.1392% | 3,249 |
| Return on Equity (ROE) | 8.6318% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.2845% | 3,067 |
| Net charge-offs to loans | 0.5606% | 266 |
| Credit loss provision to net charge-offs | 132.5545% | 1,865 |
| Earnings coverage of net charge-offs (x) | 3.7757% | 3,125 |
| Efficiency ratio | 63.7831% | 3,220 |
| Assets per employee ($millions) | 4.7591% | 2,777 |
| Cash dividends to net income (ytd only)* | 38.7793% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 679 |
| Loan loss allowance to noncurrent loans | 274.4141% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 2,490 |
| Noncurrent loans to loans | 0.6669% | 2,409 |
| Net loans and leases to total assets | 83.3542% | 530 |
| Net loans and leases to deposits | 99.1202% | 851 |
| Net loans and leases to core deposits | 107.4886% | 1,199 |
| Total domestic deposits to total assets | 84.0940% | 2,911 |
| Equity capital to assets | 13.6012% | 1,099 |
| Core capital (leverage) ratio | 13.5051% | 1,103 |
| Tier 1 risk-based capital ratio | 15.0193% | 2,873 |
| Total risk-based capital ratio | 16.2751% | 2,795 |
| Memoranda: | ||
| Average total assets | $184,106,500 | 3,038 |
| Average earning assets | $172,399,000 | 3,025 |
| Average equity | $24,297,000 | 2,710 |
| Average total loans | $152,685,500 | 2,620 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 1,393 |
| Cost of funding earning assets | 0.1844% | 5,100 |
| Net interest margin | 4.5622% | 603 |
| Noninterest income to average assets | 0.6015% | 2,317 |
| Noninterest expense to average assets | 3.0725% | 1,854 |
| Loan and lease loss provision to assets | 0.5108% | 223 |
| Net operating income to assets | 1.2927% | 1,800 |
| Return on assets (ROA) | 1.2927% | 1,793 |
| Pretax return on assets | 1.2927% | 2,542 |
| Return on Equity (ROE) | 9.8938% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.0670% | 2,045 |
| Net charge-offs to loans | -0.7074% | 5,466 |
| Credit loss provision to net charge-offs | -87.7551% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0122% | 3,472 |
| Assets per employee ($millions) | 4.9539% | 2,479 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3970% | 277 |
| Loan loss allowance to noncurrent loans | 120.0731% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6416% | 766 |
| Noncurrent loans to loans | 1.9963% | 753 |
| Net loans and leases to total assets | 80.2644% | 979 |
| Net loans and leases to deposits | 95.2054% | 1,227 |
| Net loans and leases to core deposits | 102.5291% | 1,526 |
| Total domestic deposits to total assets | 84.3065% | 2,956 |
| Equity capital to assets | 13.4080% | 1,135 |
| Core capital (leverage) ratio | 13.3709% | 1,109 |
| Tier 1 risk-based capital ratio | 14.9110% | 2,916 |
| Total risk-based capital ratio | 16.1728% | 2,831 |
| Memoranda: | ||
| Average total assets | $185,194,000 | 3,046 |
| Average earning assets | $173,511,000 | 3,026 |
| Average equity | $24,197,000 | 2,739 |
| Average total loans | $152,397,000 | 2,640 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,058 |
| Cost of funding earning assets | 0.1795% | 5,119 |
| Net interest margin | 4.6322% | 468 |
| Noninterest income to average assets | 0.5716% | 2,415 |
| Noninterest expense to average assets | 3.4038% | 1,158 |
| Loan and lease loss provision to assets | 0.3180% | 398 |
| Net operating income to assets | 1.1754% | 2,111 |
| Return on assets (ROA) | 1.1754% | 2,120 |
| Pretax return on assets | 1.1754% | 2,865 |
| Return on Equity (ROE) | 9.1138% | 2,855 |
| Retained earnings to average equity (ytd only) | 7.6143% | 1,984 |
| Net charge-offs to loans | -1.5010% | 5,553 |
| Credit loss provision to net charge-offs | -25.7391% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5042% | 2,577 |
| Assets per employee ($millions) | 5.0600% | 2,414 |
| Cash dividends to net income (ytd only)* | 16.4534% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2275% | 373 |
| Loan loss allowance to noncurrent loans | 5,633.8983% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,951 |
| Noncurrent loans to loans | 0.0395% | 4,796 |
| Net loans and leases to total assets | 77.9307% | 1,253 |
| Net loans and leases to deposits | 91.6067% | 1,493 |
| Net loans and leases to core deposits | 98.8884% | 1,777 |
| Total domestic deposits to total assets | 85.0710% | 2,908 |
| Equity capital to assets | 12.9180% | 1,287 |
| Core capital (leverage) ratio | 13.0977% | 1,141 |
| Tier 1 risk-based capital ratio | 14.7276% | 3,016 |
| Total risk-based capital ratio | 15.9870% | 2,930 |
| Memoranda: | ||
| Average total assets | $186,144,500 | 3,071 |
| Average earning assets | $173,825,500 | 3,052 |
| Average equity | $24,007,500 | 2,777 |
| Average total loans | $153,229,500 | 2,650 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 737 |
| Cost of funding earning assets | 0.1812% | 5,084 |
| Net interest margin | 4.7545% | 385 |
| Noninterest income to average assets | 0.7564% | 1,751 |
| Noninterest expense to average assets | 3.2403% | 1,528 |
| Loan and lease loss provision to assets | 0.8638% | 132 |
| Net operating income to assets | 1.0904% | 1,888 |
| Return on assets (ROA) | 1.0904% | 1,911 |
| Pretax return on assets | 1.0904% | 3,226 |
| Return on Equity (ROE) | 8.4540% | 2,580 |
| Retained earnings to average equity (ytd only) | -1.5680% | 5,238 |
| Net charge-offs to loans | 1.1266% | 149 |
| Credit loss provision to net charge-offs | 89.4944% | 2,796 |
| Earnings coverage of net charge-offs (x) | 2.0247% | 3,812 |
| Efficiency ratio | 62.3800% | 3,881 |
| Assets per employee ($millions) | 5.0019% | 2,473 |
| Cash dividends to net income (ytd only)* | 118.5480% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 1,026 |
| Loan loss allowance to noncurrent loans | 18,578.5714% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,657 |
| Noncurrent loans to loans | 0.0089% | 5,012 |
| Net loans and leases to total assets | 83.5538% | 493 |
| Net loans and leases to deposits | 98.1996% | 888 |
| Net loans and leases to core deposits | 105.8782% | 1,270 |
| Total domestic deposits to total assets | 85.0856% | 2,810 |
| Equity capital to assets | 12.8762% | 1,326 |
| Core capital (leverage) ratio | 12.7728% | 1,232 |
| Tier 1 risk-based capital ratio | 14.0059% | 3,358 |
| Total risk-based capital ratio | 15.2597% | 3,260 |
| Memoranda: | ||
| Average total assets | $184,427,400 | 3,071 |
| Average earning assets | $172,151,800 | 3,046 |
| Average equity | $23,787,600 | 2,782 |
| Average total loans | $157,997,200 | 2,569 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 842 |
| Cost of funding earning assets | 0.1818% | 5,124 |
| Net interest margin | 4.6654% | 435 |
| Noninterest income to average assets | 0.8111% | 1,544 |
| Noninterest expense to average assets | 3.1765% | 1,615 |
| Loan and lease loss provision to assets | 0.4443% | 290 |
| Net operating income to assets | 1.5542% | 796 |
| Return on assets (ROA) | 1.5542% | 816 |
| Pretax return on assets | 1.5542% | 1,563 |
| Return on Equity (ROE) | 12.0450% | 1,330 |
| Retained earnings to average equity (ytd only) | 0.8187% | 5,031 |
| Net charge-offs to loans | -0.1762% | 5,506 |
| Credit loss provision to net charge-offs | -293.7799% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3814% | 3,979 |
| Assets per employee ($millions) | 4.6398% | 2,917 |
| Cash dividends to net income (ytd only)* | 93.2030% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 355 |
| Loan loss allowance to noncurrent loans | 81.4756% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.4493% | 450 |
| Noncurrent loans to loans | 2.7943% | 491 |
| Net loans and leases to total assets | 85.6569% | 278 |
| Net loans and leases to deposits | 102.1088% | 608 |
| Net loans and leases to core deposits | 109.7611% | 1,044 |
| Total domestic deposits to total assets | 83.8879% | 3,161 |
| Equity capital to assets | 13.4909% | 1,160 |
| Core capital (leverage) ratio | 13.3314% | 1,089 |
| Tier 1 risk-based capital ratio | 14.6437% | 3,108 |
| Total risk-based capital ratio | 15.9055% | 3,016 |
| Memoranda: | ||
| Average total assets | $184,266,750 | 3,101 |
| Average earning assets | $172,358,250 | 3,071 |
| Average equity | $23,777,000 | 2,803 |
| Average total loans | $158,188,000 | 2,588 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 941 |
| Cost of funding earning assets | 0.1832% | 5,115 |
| Net interest margin | 4.5797% | 493 |
| Noninterest income to average assets | 0.8782% | 1,338 |
| Noninterest expense to average assets | 3.1882% | 1,605 |
| Loan and lease loss provision to assets | 0.2579% | 641 |
| Net operating income to assets | 1.7209% | 541 |
| Return on assets (ROA) | 1.7209% | 546 |
| Pretax return on assets | 1.7209% | 1,010 |
| Return on Equity (ROE) | 13.5368% | 915 |
| Retained earnings to average equity (ytd only) | 2.6734% | 4,102 |
| Net charge-offs to loans | -0.0202% | 4,789 |
| Credit loss provision to net charge-offs | -1,493.7500% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7039% | 4,050 |
| Assets per employee ($millions) | 4.7264% | 2,752 |
| Cash dividends to net income (ytd only)* | 80.2508% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 652 |
| Loan loss allowance to noncurrent loans | 175.7943% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9391% | 1,875 |
| Noncurrent loans to loans | 1.1100% | 1,766 |
| Net loans and leases to total assets | 82.9479% | 563 |
| Net loans and leases to deposits | 99.1621% | 802 |
| Net loans and leases to core deposits | 106.2604% | 1,214 |
| Total domestic deposits to total assets | 83.6488% | 3,339 |
| Equity capital to assets | 13.3446% | 1,207 |
| Core capital (leverage) ratio | 13.2175% | 1,096 |
| Tier 1 risk-based capital ratio | 14.7890% | 3,017 |
| Total risk-based capital ratio | 16.0465% | 2,944 |
| Memoranda: | ||
| Average total assets | $185,372,000 | 3,104 |
| Average earning assets | $173,590,670 | 3,063 |
| Average equity | $23,565,330 | 2,825 |
| Average total loans | $158,048,000 | 2,589 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 879 |
| Cost of funding earning assets | 0.1836% | 5,125 |
| Net interest margin | 4.5507% | 478 |
| Noninterest income to average assets | 0.8198% | 1,488 |
| Noninterest expense to average assets | 3.0577% | 1,988 |
| Loan and lease loss provision to assets | 0.1442% | 1,299 |
| Net operating income to assets | 1.8850% | 377 |
| Return on assets (ROA) | 1.8850% | 393 |
| Pretax return on assets | 1.8850% | 664 |
| Return on Equity (ROE) | 15.2024% | 621 |
| Retained earnings to average equity (ytd only) | 5.6575% | 2,515 |
| Net charge-offs to loans | -0.0075% | 4,308 |
| Credit loss provision to net charge-offs | -2,233.3333% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1100% | 4,440 |
| Assets per employee ($millions) | 4.9359% | 2,529 |
| Cash dividends to net income (ytd only)* | 62.7854% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 888 |
| Loan loss allowance to noncurrent loans | 226.4659% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 2,607 |
| Noncurrent loans to loans | 0.8124% | 2,417 |
| Net loans and leases to total assets | 81.2923% | 658 |
| Net loans and leases to deposits | 96.1969% | 921 |
| Net loans and leases to core deposits | 103.4423% | 1,256 |
| Total domestic deposits to total assets | 84.5061% | 3,293 |
| Equity capital to assets | 12.3792% | 1,614 |
| Core capital (leverage) ratio | 12.4582% | 1,358 |
| Tier 1 risk-based capital ratio | 13.8097% | 3,597 |
| Total risk-based capital ratio | 15.0653% | 3,506 |
| Memoranda: | ||
| Average total assets | $185,893,500 | 3,132 |
| Average earning assets | $174,303,500 | 3,084 |
| Average equity | $23,049,000 | 2,883 |
| Average total loans | $159,102,000 | 2,588 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 604 |
| Cost of funding earning assets | 0.1893% | 5,115 |
| Net interest margin | 4.7958% | 351 |
| Noninterest income to average assets | 0.9103% | 1,377 |
| Noninterest expense to average assets | 3.1850% | 1,827 |
| Loan and lease loss provision to assets | 0.2704% | 746 |
| Net operating income to assets | 1.9556% | 353 |
| Return on assets (ROA) | 1.9567% | 367 |
| Pretax return on assets | 1.9567% | 553 |
| Return on Equity (ROE) | 15.9940% | 510 |
| Retained earnings to average equity (ytd only) | 6.3564% | 1,526 |
| Net charge-offs to loans | 0.2211% | 1,250 |
| Credit loss provision to net charge-offs | 137.7095% | 1,974 |
| Earnings coverage of net charge-offs (x) | 11.3380% | 2,545 |
| Efficiency ratio | 58.8629% | 4,740 |
| Assets per employee ($millions) | 4.8480% | 2,575 |
| Cash dividends to net income (ytd only)* | 60.2578% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,118 |
| Loan loss allowance to noncurrent loans | 197.4504% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 2,437 |
| Noncurrent loans to loans | 0.8669% | 2,367 |
| Net loans and leases to total assets | 86.8963% | 187 |
| Net loans and leases to deposits | 103.0553% | 465 |
| Net loans and leases to core deposits | 110.9438% | 834 |
| Total domestic deposits to total assets | 84.3201% | 3,309 |
| Equity capital to assets | 12.4192% | 1,567 |
| Core capital (leverage) ratio | 12.5438% | 1,317 |
| Tier 1 risk-based capital ratio | 13.2252% | 3,938 |
| Total risk-based capital ratio | 14.4797% | 3,849 |
| Memoranda: | ||
| Average total assets | $182,352,200 | 3,142 |
| Average earning assets | $171,127,800 | 3,099 |
| Average equity | $22,308,400 | 2,963 |
| Average total loans | $161,901,200 | 2,499 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 629 |
| Cost of funding earning assets | 0.1871% | 5,205 |
| Net interest margin | 4.7896% | 371 |
| Noninterest income to average assets | 0.9398% | 1,274 |
| Noninterest expense to average assets | 3.1858% | 1,812 |
| Loan and lease loss provision to assets | 0.1283% | 1,819 |
| Net operating income to assets | 2.1295% | 279 |
| Return on assets (ROA) | 2.1310% | 289 |
| Pretax return on assets | 2.1310% | 436 |
| Return on Equity (ROE) | 17.4860% | 395 |
| Retained earnings to average equity (ytd only) | 6.7189% | 1,776 |
| Net charge-offs to loans | 0.0586% | 2,518 |
| Credit loss provision to net charge-offs | 246.4789% | 1,211 |
| Earnings coverage of net charge-offs (x) | 43.3822% | 1,178 |
| Efficiency ratio | 58.5241% | 4,748 |
| Assets per employee ($millions) | 4.8116% | 2,596 |
| Cash dividends to net income (ytd only)* | 61.5756% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,284 |
| Loan loss allowance to noncurrent loans | 156.2925% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 2,144 |
| Noncurrent loans to loans | 1.0697% | 2,109 |
| Net loans and leases to total assets | 88.6859% | 102 |
| Net loans and leases to deposits | 107.6734% | 319 |
| Net loans and leases to core deposits | 115.7795% | 665 |
| Total domestic deposits to total assets | 82.3656% | 3,818 |
| Equity capital to assets | 12.4277% | 1,822 |
| Core capital (leverage) ratio | 12.6396% | 1,339 |
| Tier 1 risk-based capital ratio | 13.0317% | 4,144 |
| Total risk-based capital ratio | 14.2862% | 4,051 |
| Memoranda: | ||
| Average total assets | $181,884,500 | 3,158 |
| Average earning assets | $171,031,500 | 3,110 |
| Average equity | $22,165,750 | 2,996 |
| Average total loans | $161,658,750 | 2,505 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 712 |
| Cost of funding earning assets | 0.1886% | 5,249 |
| Net interest margin | 4.7188% | 412 |
| Noninterest income to average assets | 0.9352% | 1,274 |
| Noninterest expense to average assets | 3.1768% | 1,867 |
| Loan and lease loss provision to assets | 0.1068% | 2,075 |
| Net operating income to assets | 2.0896% | 287 |
| Return on assets (ROA) | 2.0918% | 300 |
| Pretax return on assets | 2.0918% | 475 |
| Return on Equity (ROE) | 17.2793% | 413 |
| Retained earnings to average equity (ytd only) | 5.0864% | 2,669 |
| Net charge-offs to loans | 0.0037% | 3,573 |
| Credit loss provision to net charge-offs | 3,233.3333% | 132 |
| Earnings coverage of net charge-offs (x) | 664.6667% | 88 |
| Efficiency ratio | 59.1226% | 4,752 |
| Assets per employee ($millions) | 4.7609% | 2,612 |
| Cash dividends to net income (ytd only)* | 70.5635% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 1,324 |
| Loan loss allowance to noncurrent loans | 395.8213% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 3,960 |
| Noncurrent loans to loans | 0.4237% | 3,833 |
| Net loans and leases to total assets | 89.0219% | 98 |
| Net loans and leases to deposits | 107.5270% | 313 |
| Net loans and leases to core deposits | 115.8512% | 642 |
| Total domestic deposits to total assets | 82.7903% | 3,726 |
| Equity capital to assets | 12.2748% | 1,921 |
| Core capital (leverage) ratio | 12.3632% | 1,427 |
| Tier 1 risk-based capital ratio | 12.6558% | 4,418 |
| Total risk-based capital ratio | 13.9098% | 4,316 |
| Memoranda: | ||
| Average total assets | $181,565,330 | 3,178 |
| Average earning assets | $170,764,670 | 3,134 |
| Average equity | $21,980,000 | 3,015 |
| Average total loans | $160,574,330 | 2,524 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 809 |
| Cost of funding earning assets | 0.1895% | 5,292 |
| Net interest margin | 4.6334% | 471 |
| Noninterest income to average assets | 0.8269% | 1,532 |
| Noninterest expense to average assets | 3.0524% | 2,234 |
| Loan and lease loss provision to assets | 0.0990% | 2,046 |
| Net operating income to assets | 2.0298% | 315 |
| Return on assets (ROA) | 2.0342% | 324 |
| Pretax return on assets | 2.0342% | 524 |
| Return on Equity (ROE) | 16.9209% | 448 |
| Retained earnings to average equity (ytd only) | 9.6037% | 953 |
| Net charge-offs to loans | 0.0931% | 1,581 |
| Credit loss provision to net charge-offs | 121.6216% | 1,431 |
| Earnings coverage of net charge-offs (x) | 26.1622% | 1,278 |
| Efficiency ratio | 58.9134% | 4,883 |
| Assets per employee ($millions) | 4.6988% | 2,745 |
| Cash dividends to net income (ytd only)* | 43.2432% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 1,381 |
| Loan loss allowance to noncurrent loans | 448.7352% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 4,233 |
| Noncurrent loans to loans | 0.3777% | 4,086 |
| Net loans and leases to total assets | 86.4395% | 197 |
| Net loans and leases to deposits | 103.8906% | 418 |
| Net loans and leases to core deposits | 112.0026% | 750 |
| Total domestic deposits to total assets | 83.2025% | 3,823 |
| Equity capital to assets | 12.3984% | 1,754 |
| Core capital (leverage) ratio | 12.3849% | 1,387 |
| Tier 1 risk-based capital ratio | 13.0390% | 4,241 |
| Total risk-based capital ratio | 14.2936% | 4,156 |
| Memoranda: | ||
| Average total assets | $181,890,500 | 3,182 |
| Average earning assets | $170,934,000 | 3,144 |
| Average equity | $21,866,500 | 3,038 |
| Average total loans | $158,961,000 | 2,542 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 649 |
| Cost of funding earning assets | 0.2220% | 5,077 |
| Net interest margin | 4.7614% | 404 |
| Noninterest income to average assets | 0.9533% | 1,311 |
| Noninterest expense to average assets | 3.2037% | 1,965 |
| Loan and lease loss provision to assets | 0.1179% | 2,019 |
| Net operating income to assets | 2.1023% | 295 |
| Return on assets (ROA) | 2.1002% | 300 |
| Pretax return on assets | 2.1002% | 434 |
| Return on Equity (ROE) | 18.6996% | 335 |
| Retained earnings to average equity (ytd only) | 10.7538% | 372 |
| Net charge-offs to loans | -0.0285% | 5,378 |
| Credit loss provision to net charge-offs | -488.6364% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0656% | 5,019 |
| Assets per employee ($millions) | 4.8743% | 2,497 |
| Cash dividends to net income (ytd only)* | 42.4915% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 1,476 |
| Loan loss allowance to noncurrent loans | 446.6330% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 4,302 |
| Noncurrent loans to loans | 0.3691% | 4,125 |
| Net loans and leases to total assets | 85.4447% | 275 |
| Net loans and leases to deposits | 101.2591% | 590 |
| Net loans and leases to core deposits | 109.2357% | 902 |
| Total domestic deposits to total assets | 84.3822% | 3,339 |
| Equity capital to assets | 11.6588% | 2,223 |
| Core capital (leverage) ratio | 11.8294% | 1,738 |
| Tier 1 risk-based capital ratio | 12.4664% | 4,657 |
| Total risk-based capital ratio | 13.7199% | 4,539 |
| Memoranda: | ||
| Average total assets | $182,320,200 | 3,133 |
| Average earning assets | $171,188,600 | 3,111 |
| Average equity | $20,476,400 | 3,126 |
| Average total loans | $154,121,400 | 2,541 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 675 |
| Cost of funding earning assets | 0.2273% | 5,116 |
| Net interest margin | 4.7322% | 432 |
| Noninterest income to average assets | 0.9714% | 1,252 |
| Noninterest expense to average assets | 3.3011% | 1,688 |
| Loan and lease loss provision to assets | 0.1241% | 1,834 |
| Net operating income to assets | 1.9941% | 368 |
| Return on assets (ROA) | 1.9912% | 381 |
| Pretax return on assets | 1.9912% | 607 |
| Return on Equity (ROE) | 17.9034% | 403 |
| Retained earnings to average equity (ytd only) | 9.8561% | 658 |
| Net charge-offs to loans | -0.0446% | 5,508 |
| Credit loss provision to net charge-offs | -331.3725% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9132% | 4,749 |
| Assets per employee ($millions) | 4.7430% | 2,634 |
| Cash dividends to net income (ytd only)* | 44.9483% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,620 |
| Loan loss allowance to noncurrent loans | 412.9542% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 4,367 |
| Noncurrent loans to loans | 0.3987% | 4,186 |
| Net loans and leases to total assets | 86.6380% | 196 |
| Net loans and leases to deposits | 103.8604% | 452 |
| Net loans and leases to core deposits | 112.7313% | 724 |
| Total domestic deposits to total assets | 83.4178% | 3,647 |
| Equity capital to assets | 11.5727% | 2,439 |
| Core capital (leverage) ratio | 11.4395% | 2,090 |
| Tier 1 risk-based capital ratio | 12.1893% | 4,971 |
| Total risk-based capital ratio | 13.4428% | 4,868 |
| Memoranda: | ||
| Average total assets | $181,594,000 | 3,171 |
| Average earning assets | $170,685,500 | 3,134 |
| Average equity | $20,196,750 | 3,184 |
| Average total loans | $152,422,250 | 2,573 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 887 |
| Cost of funding earning assets | 0.2336% | 5,111 |
| Net interest margin | 4.5710% | 553 |
| Noninterest income to average assets | 1.0327% | 1,112 |
| Noninterest expense to average assets | 3.1926% | 2,000 |
| Loan and lease loss provision to assets | 0.1307% | 1,692 |
| Net operating income to assets | 2.0094% | 361 |
| Return on assets (ROA) | 2.0050% | 377 |
| Pretax return on assets | 2.0050% | 587 |
| Return on Equity (ROE) | 18.2716% | 396 |
| Retained earnings to average equity (ytd only) | 9.9618% | 674 |
| Net charge-offs to loans | 0.0492% | 2,723 |
| Credit loss provision to net charge-offs | 321.6216% | 886 |
| Earnings coverage of net charge-offs (x) | 52.6486% | 920 |
| Efficiency ratio | 59.8681% | 5,002 |
| Assets per employee ($millions) | 4.7541% | 2,601 |
| Cash dividends to net income (ytd only)* | 45.4795% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 1,837 |
| Loan loss allowance to noncurrent loans | 540.6114% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,858 |
| Noncurrent loans to loans | 0.3002% | 4,613 |
| Net loans and leases to total assets | 83.0711% | 465 |
| Net loans and leases to deposits | 98.4679% | 753 |
| Net loans and leases to core deposits | 106.6344% | 1,043 |
| Total domestic deposits to total assets | 84.3637% | 3,414 |
| Equity capital to assets | 11.2628% | 2,604 |
| Core capital (leverage) ratio | 11.0308% | 2,392 |
| Tier 1 risk-based capital ratio | 12.4080% | 4,870 |
| Total risk-based capital ratio | 13.6614% | 4,780 |
| Memoranda: | ||
| Average total assets | $182,047,000 | 3,193 |
| Average earning assets | $171,254,330 | 3,150 |
| Average equity | $19,976,330 | 3,218 |
| Average total loans | $150,307,670 | 2,613 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,180 |
| Cost of funding earning assets | 0.2401% | 5,129 |
| Net interest margin | 4.3795% | 766 |
| Noninterest income to average assets | 1.0266% | 1,065 |
| Noninterest expense to average assets | 3.1564% | 2,105 |
| Loan and lease loss provision to assets | 0.1291% | 1,609 |
| Net operating income to assets | 1.8540% | 438 |
| Return on assets (ROA) | 1.8627% | 459 |
| Pretax return on assets | 1.8627% | 767 |
| Return on Equity (ROE) | 17.1997% | 452 |
| Retained earnings to average equity (ytd only) | 15.1786% | 272 |
| Net charge-offs to loans | -0.0751% | 5,721 |
| Credit loss provision to net charge-offs | -210.7143% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4140% | 4,897 |
| Assets per employee ($millions) | 4.8914% | 2,499 |
| Cash dividends to net income (ytd only)* | 11.7509% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 1,721 |
| Loan loss allowance to noncurrent loans | 353.4188% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 4,506 |
| Noncurrent loans to loans | 0.4826% | 4,127 |
| Net loans and leases to total assets | 76.9286% | 1,069 |
| Net loans and leases to deposits | 90.7804% | 1,315 |
| Net loans and leases to core deposits | 97.4246% | 1,526 |
| Total domestic deposits to total assets | 84.7414% | 3,531 |
| Equity capital to assets | 10.8551% | 3,135 |
| Core capital (leverage) ratio | 10.9525% | 2,457 |
| Tier 1 risk-based capital ratio | 12.4803% | 4,918 |
| Total risk-based capital ratio | 13.7339% | 4,830 |
| Memoranda: | ||
| Average total assets | $182,742,500 | 3,205 |
| Average earning assets | $171,618,000 | 3,160 |
| Average equity | $19,791,000 | 3,254 |
| Average total loans | $149,187,000 | 2,632 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 665 |
| Cost of funding earning assets | 0.2617% | 5,201 |
| Net interest margin | 4.8147% | 425 |
| Noninterest income to average assets | 0.8614% | 1,640 |
| Noninterest expense to average assets | 3.0618% | 2,649 |
| Loan and lease loss provision to assets | 0.1222% | 2,145 |
| Net operating income to assets | 2.1644% | 238 |
| Return on assets (ROA) | 2.1644% | 244 |
| Pretax return on assets | 2.1644% | 349 |
| Return on Equity (ROE) | 20.2540% | 239 |
| Retained earnings to average equity (ytd only) | 6.4466% | 1,680 |
| Net charge-offs to loans | -0.0096% | 5,548 |
| Credit loss provision to net charge-offs | -1,528.5714% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2466% | 5,541 |
| Assets per employee ($millions) | 4.7266% | 2,689 |
| Cash dividends to net income (ytd only)* | 68.1710% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 2,208 |
| Loan loss allowance to noncurrent loans | 306.5301% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 4,371 |
| Noncurrent loans to loans | 0.5108% | 4,135 |
| Net loans and leases to total assets | 83.7971% | 357 |
| Net loans and leases to deposits | 98.6498% | 710 |
| Net loans and leases to core deposits | 106.9602% | 958 |
| Total domestic deposits to total assets | 84.9440% | 3,307 |
| Equity capital to assets | 10.8040% | 3,116 |
| Core capital (leverage) ratio | 10.9157% | 2,483 |
| Tier 1 risk-based capital ratio | 11.9444% | 5,400 |
| Total risk-based capital ratio | 13.1975% | 5,300 |
| Memoranda: | ||
| Average total assets | $175,063,200 | 3,272 |
| Average earning assets | $163,147,000 | 3,236 |
| Average equity | $18,707,400 | 3,324 |
| Average total loans | $146,170,200 | 2,621 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 683 |
| Cost of funding earning assets | 0.2632% | 5,273 |
| Net interest margin | 4.8080% | 419 |
| Noninterest income to average assets | 0.8302% | 1,776 |
| Noninterest expense to average assets | 2.9843% | 2,855 |
| Loan and lease loss provision to assets | 0.1334% | 1,877 |
| Net operating income to assets | 2.1802% | 249 |
| Return on assets (ROA) | 2.1794% | 253 |
| Pretax return on assets | 2.1794% | 382 |
| Return on Equity (ROE) | 20.4531% | 252 |
| Retained earnings to average equity (ytd only) | 5.9280% | 2,456 |
| Net charge-offs to loans | 0.0194% | 4,145 |
| Credit loss provision to net charge-offs | 828.5714% | 379 |
| Earnings coverage of net charge-offs (x) | 143.7107% | 429 |
| Efficiency ratio | 56.3305% | 5,629 |
| Assets per employee ($millions) | 4.6951% | 2,682 |
| Cash dividends to net income (ytd only)* | 71.0165% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 2,664 |
| Loan loss allowance to noncurrent loans | 170.8917% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 3,477 |
| Noncurrent loans to loans | 0.8829% | 3,364 |
| Net loans and leases to total assets | 87.1373% | 147 |
| Net loans and leases to deposits | 107.2897% | 281 |
| Net loans and leases to core deposits | 116.2305% | 497 |
| Total domestic deposits to total assets | 81.2168% | 4,765 |
| Equity capital to assets | 10.9470% | 3,005 |
| Core capital (leverage) ratio | 10.8323% | 2,663 |
| Tier 1 risk-based capital ratio | 11.8211% | 5,600 |
| Total risk-based capital ratio | 13.0739% | 5,518 |
| Memoranda: | ||
| Average total assets | $173,926,500 | 3,306 |
| Average earning assets | $161,616,750 | 3,287 |
| Average equity | $18,533,000 | 3,360 |
| Average total loans | $144,487,250 | 2,661 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 822 |
| Cost of funding earning assets | 0.2694% | 5,290 |
| Net interest margin | 4.6772% | 512 |
| Noninterest income to average assets | 0.8035% | 1,826 |
| Noninterest expense to average assets | 2.9426% | 3,028 |
| Loan and lease loss provision to assets | 0.1713% | 1,437 |
| Net operating income to assets | 2.0207% | 323 |
| Return on assets (ROA) | 2.0196% | 339 |
| Pretax return on assets | 2.0196% | 538 |
| Return on Equity (ROE) | 19.1273% | 352 |
| Retained earnings to average equity (ytd only) | 1.6547% | 5,073 |
| Net charge-offs to loans | 0.0099% | 4,068 |
| Credit loss provision to net charge-offs | 2,128.5714% | 171 |
| Earnings coverage of net charge-offs (x) | 272.4286% | 250 |
| Efficiency ratio | 57.3092% | 5,629 |
| Assets per employee ($millions) | 4.6381% | 2,718 |
| Cash dividends to net income (ytd only)* | 91.3489% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 2,695 |
| Loan loss allowance to noncurrent loans | 787.7133% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 5,627 |
| Noncurrent loans to loans | 0.1961% | 5,429 |
| Net loans and leases to total assets | 85.7251% | 193 |
| Net loans and leases to deposits | 101.4852% | 481 |
| Net loans and leases to core deposits | 110.2301% | 687 |
| Total domestic deposits to total assets | 84.4705% | 3,740 |
| Equity capital to assets | 10.6865% | 3,214 |
| Core capital (leverage) ratio | 10.6072% | 2,816 |
| Tier 1 risk-based capital ratio | 11.7156% | 5,687 |
| Total risk-based capital ratio | 12.9684% | 5,631 |
| Memoranda: | ||
| Average total assets | $173,995,670 | 3,319 |
| Average earning assets | $161,121,000 | 3,307 |
| Average equity | $18,371,670 | 3,379 |
| Average total loans | $141,418,670 | 2,704 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,228 |
| Cost of funding earning assets | 0.2683% | 5,403 |
| Net interest margin | 4.4450% | 733 |
| Noninterest income to average assets | 0.7946% | 1,774 |
| Noninterest expense to average assets | 2.6874% | 3,976 |
| Loan and lease loss provision to assets | 0.1690% | 1,426 |
| Net operating income to assets | 2.0618% | 298 |
| Return on assets (ROA) | 2.0549% | 317 |
| Pretax return on assets | 2.0549% | 471 |
| Return on Equity (ROE) | 19.5780% | 323 |
| Retained earnings to average equity (ytd only) | 13.0520% | 478 |
| Net charge-offs to loans | 0.0058% | 3,537 |
| Credit loss provision to net charge-offs | 3,700.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 488.5000% | 83 |
| Efficiency ratio | 54.6425% | 5,959 |
| Assets per employee ($millions) | 4.8503% | 2,442 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 2,524 |
| Loan loss allowance to noncurrent loans | 891.6335% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 5,816 |
| Noncurrent loans to loans | 0.1848% | 5,540 |
| Net loans and leases to total assets | 76.5108% | 941 |
| Net loans and leases to deposits | 90.8904% | 1,048 |
| Net loans and leases to core deposits | 98.4408% | 1,206 |
| Total domestic deposits to total assets | 84.1792% | 4,216 |
| Equity capital to assets | 10.7238% | 3,012 |
| Core capital (leverage) ratio | 10.9392% | 2,450 |
| Tier 1 risk-based capital ratio | 12.6083% | 5,249 |
| Total risk-based capital ratio | 13.8620% | 5,185 |
| Memoranda: | ||
| Average total assets | $175,189,000 | 3,332 |
| Average earning assets | $162,520,000 | 3,317 |
| Average equity | $18,388,000 | 3,371 |
| Average total loans | $137,418,000 | 2,770 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0668% | 804 |
| Cost of funding earning assets | 0.4712% | 3,900 |
| Net interest margin | 4.5956% | 616 |
| Noninterest income to average assets | 1.2229% | 938 |
| Noninterest expense to average assets | 3.3469% | 2,011 |
| Loan and lease loss provision to assets | 0.2600% | 1,374 |
| Net operating income to assets | 1.8623% | 429 |
| Return on assets (ROA) | 1.8671% | 434 |
| Pretax return on assets | 1.8998% | 600 |
| Return on Equity (ROE) | 17.8912% | 419 |
| Retained earnings to average equity (ytd only) | 9.8950% | 576 |
| Net charge-offs to loans | -0.0756% | 6,420 |
| Credit loss provision to net charge-offs | -424.7525% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8327% | 5,374 |
| Assets per employee ($millions) | 4.7504% | 2,511 |
| Cash dividends to net income (ytd only)* | 44.6933% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,927 |
| Loan loss allowance to noncurrent loans | 849.4118% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 5,886 |
| Noncurrent loans to loans | 0.1835% | 5,651 |
| Net loans and leases to total assets | 77.8507% | 842 |
| Net loans and leases to deposits | 91.8072% | 1,076 |
| Net loans and leases to core deposits | 99.2479% | 1,213 |
| Total domestic deposits to total assets | 84.7980% | 3,848 |
| Equity capital to assets | 10.2699% | 3,423 |
| Core capital (leverage) ratio | 10.5548% | 2,845 |
| Tier 1 risk-based capital ratio | 11.9588% | 5,637 |
| Total risk-based capital ratio | 13.2111% | 5,576 |
| Memoranda: | ||
| Average total assets | $165,018,800 | 3,487 |
| Average earning assets | $153,647,400 | 3,443 |
| Average equity | $17,220,800 | 3,535 |
| Average total loans | $133,600,200 | 2,796 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 770 |
| Cost of funding earning assets | 0.5318% | 3,448 |
| Net interest margin | 4.5708% | 654 |
| Noninterest income to average assets | 1.3281% | 841 |
| Noninterest expense to average assets | 3.3609% | 1,917 |
| Loan and lease loss provision to assets | 0.2899% | 1,187 |
| Net operating income to assets | 1.8941% | 438 |
| Return on assets (ROA) | 1.9006% | 443 |
| Pretax return on assets | 1.9474% | 654 |
| Return on Equity (ROE) | 18.1345% | 430 |
| Retained earnings to average equity (ytd only) | 10.4073% | 711 |
| Net charge-offs to loans | 0.0071% | 5,026 |
| Credit loss provision to net charge-offs | 5,042.8571% | 59 |
| Earnings coverage of net charge-offs (x) | 388.1286% | 151 |
| Efficiency ratio | 60.1058% | 5,419 |
| Assets per employee ($millions) | 4.7600% | 2,490 |
| Cash dividends to net income (ytd only)* | 42.6100% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 3,765 |
| Loan loss allowance to noncurrent loans | 660.6667% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 5,900 |
| Noncurrent loans to loans | 0.2167% | 5,692 |
| Net loans and leases to total assets | 81.9177% | 375 |
| Net loans and leases to deposits | 99.2581% | 501 |
| Net loans and leases to core deposits | 105.5312% | 784 |
| Total domestic deposits to total assets | 82.5299% | 4,744 |
| Equity capital to assets | 10.6189% | 3,144 |
| Core capital (leverage) ratio | 10.7838% | 2,691 |
| Tier 1 risk-based capital ratio | 12.0034% | 5,773 |
| Total risk-based capital ratio | 13.2545% | 5,715 |
| Memoranda: | ||
| Average total assets | $162,332,000 | 3,563 |
| Average earning assets | $151,421,250 | 3,509 |
| Average equity | $17,013,250 | 3,599 |
| Average total loans | $132,250,000 | 2,833 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 761 |
| Cost of funding earning assets | 0.6210% | 2,763 |
| Net interest margin | 4.4886% | 722 |
| Noninterest income to average assets | 1.3933% | 806 |
| Noninterest expense to average assets | 3.4044% | 1,812 |
| Loan and lease loss provision to assets | 0.3319% | 1,034 |
| Net operating income to assets | 1.7749% | 545 |
| Return on assets (ROA) | 1.7749% | 584 |
| Pretax return on assets | 1.8433% | 834 |
| Return on Equity (ROE) | 17.0128% | 556 |
| Retained earnings to average equity (ytd only) | 8.1371% | 1,425 |
| Net charge-offs to loans | 0.0154% | 4,531 |
| Credit loss provision to net charge-offs | 2,670.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 283 |
| Efficiency ratio | 61.0158% | 5,331 |
| Assets per employee ($millions) | 4.5657% | 2,708 |
| Cash dividends to net income (ytd only)* | 52.1709% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,869 |
| Loan loss allowance to noncurrent loans | 685.8696% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 5,984 |
| Noncurrent loans to loans | 0.2092% | 5,781 |
| Net loans and leases to total assets | 81.3627% | 400 |
| Net loans and leases to deposits | 98.9904% | 481 |
| Net loans and leases to core deposits | 105.5590% | 759 |
| Total domestic deposits to total assets | 82.1925% | 4,986 |
| Equity capital to assets | 10.6585% | 3,108 |
| Core capital (leverage) ratio | 10.6950% | 2,673 |
| Tier 1 risk-based capital ratio | 12.1178% | 5,726 |
| Total risk-based capital ratio | 13.3688% | 5,668 |
| Memoranda: | ||
| Average total assets | $160,909,670 | 3,593 |
| Average earning assets | $150,069,670 | 3,553 |
| Average equity | $16,787,330 | 3,651 |
| Average total loans | $130,181,330 | 2,872 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 933 |
| Cost of funding earning assets | 0.4794% | 4,281 |
| Net interest margin | 4.4981% | 683 |
| Noninterest income to average assets | 1.3452% | 846 |
| Noninterest expense to average assets | 3.3518% | 1,951 |
| Loan and lease loss provision to assets | 0.4038% | 765 |
| Net operating income to assets | 1.6499% | 647 |
| Return on assets (ROA) | 1.6499% | 711 |
| Pretax return on assets | 1.7738% | 930 |
| Return on Equity (ROE) | 15.9856% | 608 |
| Retained earnings to average equity (ytd only) | 9.9850% | 1,111 |
| Net charge-offs to loans | -0.0217% | 5,752 |
| Credit loss provision to net charge-offs | -2,328.5714% | 5,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6183% | 5,503 |
| Assets per employee ($millions) | 4.4615% | 3,047 |
| Cash dividends to net income (ytd only)* | 37.5375% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 4,135 |
| Loan loss allowance to noncurrent loans | 647.3118% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 6,051 |
| Noncurrent loans to loans | 0.2193% | 5,861 |
| Net loans and leases to total assets | 78.0892% | 601 |
| Net loans and leases to deposits | 96.3392% | 521 |
| Net loans and leases to core deposits | 102.4564% | 806 |
| Total domestic deposits to total assets | 81.0566% | 5,479 |
| Equity capital to assets | 10.5065% | 3,528 |
| Core capital (leverage) ratio | 10.5548% | 2,701 |
| Tier 1 risk-based capital ratio | 11.9867% | 5,920 |
| Total risk-based capital ratio | 13.2375% | 5,883 |
| Memoranda: | ||
| Average total assets | $161,465,500 | 3,621 |
| Average earning assets | $150,196,500 | 3,588 |
| Average equity | $16,665,000 | 3,718 |
| Average total loans | $129,317,500 | 2,903 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6538% | 459 |
| Cost of funding earning assets | 0.6070% | 4,272 |
| Net interest margin | 5.0467% | 356 |
| Noninterest income to average assets | 1.2421% | 1,012 |
| Noninterest expense to average assets | 3.4168% | 2,012 |
| Loan and lease loss provision to assets | 0.2648% | 2,527 |
| Net operating income to assets | 2.1472% | 281 |
| Return on assets (ROA) | 2.1420% | 306 |
| Pretax return on assets | 2.2194% | 394 |
| Return on Equity (ROE) | 20.8290% | 268 |
| Retained earnings to average equity (ytd only) | 12.6751% | 273 |
| Net charge-offs to loans | 0.5088% | 2,209 |
| Credit loss provision to net charge-offs | 65.2961% | 4,308 |
| Earnings coverage of net charge-offs (x) | 6.1382% | 2,868 |
| Efficiency ratio | 57.8496% | 5,851 |
| Assets per employee ($millions) | 4.3869% | 3,176 |
| Cash dividends to net income (ytd only)* | 39.1467% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,906 |
| Loan loss allowance to noncurrent loans | 327.2000% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 5,750 |
| Noncurrent loans to loans | 0.3805% | 5,547 |
| Net loans and leases to total assets | 79.9490% | 477 |
| Net loans and leases to deposits | 98.3151% | 489 |
| Net loans and leases to core deposits | 102.4505% | 866 |
| Total domestic deposits to total assets | 81.3192% | 5,302 |
| Equity capital to assets | 10.1376% | 3,986 |
| Core capital (leverage) ratio | 10.3238% | 2,980 |
| Tier 1 risk-based capital ratio | 11.4726% | 6,124 |
| Total risk-based capital ratio | 12.6290% | 6,146 |
| Memoranda: | ||
| Average total assets | $149,904,600 | 3,775 |
| Average earning assets | $138,545,000 | 3,746 |
| Average equity | $15,416,000 | 3,876 |
| Average total loans | $119,493,800 | 3,088 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7705% | 415 |
| Cost of funding earning assets | 0.6286% | 4,381 |
| Net interest margin | 5.1419% | 314 |
| Noninterest income to average assets | 1.1562% | 1,141 |
| Noninterest expense to average assets | 3.2569% | 2,403 |
| Loan and lease loss provision to assets | 0.2280% | 2,778 |
| Net operating income to assets | 2.2706% | 250 |
| Return on assets (ROA) | 2.2706% | 276 |
| Pretax return on assets | 2.4259% | 331 |
| Return on Equity (ROE) | 21.9926% | 239 |
| Retained earnings to average equity (ytd only) | 13.1428% | 381 |
| Net charge-offs to loans | 0.6008% | 1,832 |
| Credit loss provision to net charge-offs | 47.8095% | 4,450 |
| Earnings coverage of net charge-offs (x) | 5.5657% | 2,989 |
| Efficiency ratio | 55.1014% | 6,144 |
| Assets per employee ($millions) | 4.3402% | 3,189 |
| Cash dividends to net income (ytd only)* | 40.2400% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 5,158 |
| Loan loss allowance to noncurrent loans | 297.9167% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 5,844 |
| Noncurrent loans to loans | 0.4122% | 5,628 |
| Net loans and leases to total assets | 80.9736% | 434 |
| Net loans and leases to deposits | 101.4392% | 383 |
| Net loans and leases to core deposits | 106.1972% | 728 |
| Total domestic deposits to total assets | 79.8248% | 5,703 |
| Equity capital to assets | 10.2620% | 4,118 |
| Core capital (leverage) ratio | 10.4342% | 2,992 |
| Tier 1 risk-based capital ratio | 11.5348% | 6,209 |
| Total risk-based capital ratio | 12.6853% | 6,235 |
| Memoranda: | ||
| Average total assets | $146,801,750 | 3,869 |
| Average earning assets | $135,745,500 | 3,838 |
| Average equity | $15,156,250 | 3,962 |
| Average total loans | $116,515,750 | 3,193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 535 |
| Cost of funding earning assets | 0.6498% | 4,443 |
| Net interest margin | 5.0023% | 403 |
| Noninterest income to average assets | 1.1249% | 1,128 |
| Noninterest expense to average assets | 3.2899% | 2,339 |
| Loan and lease loss provision to assets | 0.1880% | 3,221 |
| Net operating income to assets | 2.1273% | 318 |
| Return on assets (ROA) | 2.1273% | 358 |
| Pretax return on assets | 2.2666% | 441 |
| Return on Equity (ROE) | 20.5602% | 318 |
| Retained earnings to average equity (ytd only) | 10.6299% | 821 |
| Net charge-offs to loans | 0.9320% | 1,186 |
| Credit loss provision to net charge-offs | 25.7143% | 4,513 |
| Earnings coverage of net charge-offs (x) | 3.3581% | 3,405 |
| Efficiency ratio | 57.2710% | 5,959 |
| Assets per employee ($millions) | 4.3163% | 3,233 |
| Cash dividends to net income (ytd only)* | 48.2984% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,230 |
| Loan loss allowance to noncurrent loans | 1,147.2441% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,587 |
| Noncurrent loans to loans | 0.1069% | 6,400 |
| Net loans and leases to total assets | 79.9494% | 516 |
| Net loans and leases to deposits | 99.9353% | 420 |
| Net loans and leases to core deposits | 104.9295% | 796 |
| Total domestic deposits to total assets | 80.0012% | 5,741 |
| Equity capital to assets | 10.4113% | 3,794 |
| Core capital (leverage) ratio | 10.4608% | 2,845 |
| Tier 1 risk-based capital ratio | 11.9467% | 5,966 |
| Total risk-based capital ratio | 13.1021% | 5,995 |
| Memoranda: | ||
| Average total assets | $143,653,670 | 3,940 |
| Average earning assets | $132,660,000 | 3,910 |
| Average equity | $14,863,670 | 4,016 |
| Average total loans | $112,657,330 | 3,277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 631 |
| Cost of funding earning assets | 0.6780% | 4,484 |
| Net interest margin | 4.9172% | 458 |
| Noninterest income to average assets | 1.1766% | 1,033 |
| Noninterest expense to average assets | 3.2427% | 2,464 |
| Loan and lease loss provision to assets | 0.1886% | 3,074 |
| Net operating income to assets | 2.1393% | 323 |
| Return on assets (ROA) | 2.1393% | 378 |
| Pretax return on assets | 2.2772% | 470 |
| Return on Equity (ROE) | 20.7424% | 334 |
| Retained earnings to average equity (ytd only) | 13.1004% | 671 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8047% | 6,047 |
| Assets per employee ($millions) | 4.2257% | 3,527 |
| Cash dividends to net income (ytd only)* | 36.8421% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 3,330 |
| Loan loss allowance to noncurrent loans | 890.2326% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 6,508 |
| Noncurrent loans to loans | 0.1916% | 6,299 |
| Net loans and leases to total assets | 76.7844% | 721 |
| Net loans and leases to deposits | 92.8784% | 738 |
| Net loans and leases to core deposits | 98.5704% | 1,087 |
| Total domestic deposits to total assets | 82.6720% | 5,051 |
| Equity capital to assets | 10.3769% | 3,640 |
| Core capital (leverage) ratio | 10.5816% | 2,663 |
| Tier 1 risk-based capital ratio | 12.2552% | 5,791 |
| Total risk-based capital ratio | 13.5093% | 5,758 |
| Memoranda: | ||
| Average total assets | $142,103,500 | 3,999 |
| Average earning assets | $130,968,000 | 3,970 |
| Average equity | $14,656,000 | 4,063 |
| Average total loans | $109,593,000 | 3,358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 447 |
| Cost of funding earning assets | 0.9380% | 3,807 |
| Net interest margin | 5.0383% | 382 |
| Noninterest income to average assets | 0.7869% | 2,134 |
| Noninterest expense to average assets | 3.1319% | 3,090 |
| Loan and lease loss provision to assets | 0.1827% | 4,365 |
| Net operating income to assets | 1.9684% | 329 |
| Return on assets (ROA) | 1.9684% | 348 |
| Pretax return on assets | 2.1054% | 435 |
| Return on Equity (ROE) | 19.5160% | 283 |
| Retained earnings to average equity (ytd only) | 12.1372% | 292 |
| Net charge-offs to loans | 0.1439% | 4,994 |
| Credit loss provision to net charge-offs | 163.7584% | 1,670 |
| Earnings coverage of net charge-offs (x) | 20.5101% | 1,127 |
| Efficiency ratio | 57.7842% | 6,078 |
| Assets per employee ($millions) | 4.2585% | 3,346 |
| Cash dividends to net income (ytd only)* | 37.8091% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 3,103 |
| Loan loss allowance to noncurrent loans | 835.7466% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 6,552 |
| Noncurrent loans to loans | 0.2066% | 6,331 |
| Net loans and leases to total assets | 74.7908% | 1,129 |
| Net loans and leases to deposits | 90.5235% | 1,093 |
| Net loans and leases to core deposits | 94.4543% | 1,638 |
| Total domestic deposits to total assets | 82.6203% | 4,913 |
| Equity capital to assets | 10.2489% | 3,854 |
| Core capital (leverage) ratio | 10.3380% | 2,926 |
| Tier 1 risk-based capital ratio | 12.4311% | 5,508 |
| Total risk-based capital ratio | 13.6859% | 5,481 |
| Memoranda: | ||
| Average total assets | $133,559,400 | 4,100 |
| Average earning assets | $122,818,400 | 4,074 |
| Average equity | $13,471,000 | 4,245 |
| Average total loans | $103,533,000 | 3,530 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9881% | 476 |
| Cost of funding earning assets | 0.9506% | 4,040 |
| Net interest margin | 5.0375% | 383 |
| Noninterest income to average assets | 0.6979% | 2,627 |
| Noninterest expense to average assets | 3.1083% | 3,128 |
| Loan and lease loss provision to assets | 0.1780% | 4,255 |
| Net operating income to assets | 1.9259% | 405 |
| Return on assets (ROA) | 1.9259% | 437 |
| Pretax return on assets | 2.0533% | 562 |
| Return on Equity (ROE) | 19.1766% | 368 |
| Retained earnings to average equity (ytd only) | 11.1595% | 602 |
| Net charge-offs to loans | -0.0078% | 6,754 |
| Credit loss provision to net charge-offs | -2,933.3333% | 6,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2118% | 5,974 |
| Assets per employee ($millions) | 4.0499% | 3,733 |
| Cash dividends to net income (ytd only)* | 41.8069% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 2,821 |
| Loan loss allowance to noncurrent loans | 879.0909% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 6,275 |
| Noncurrent loans to loans | 0.2086% | 6,456 |
| Net loans and leases to total assets | 77.4569% | 773 |
| Net loans and leases to deposits | 95.6790% | 721 |
| Net loans and leases to core deposits | 99.6698% | 1,278 |
| Total domestic deposits to total assets | 80.9549% | 5,451 |
| Equity capital to assets | 10.3759% | 3,856 |
| Core capital (leverage) ratio | 10.3922% | 2,994 |
| Tier 1 risk-based capital ratio | 12.1772% | 5,757 |
| Total risk-based capital ratio | 13.4331% | 5,741 |
| Memoranda: | ||
| Average total assets | $131,816,250 | 4,155 |
| Average earning assets | $121,459,500 | 4,121 |
| Average equity | $13,238,000 | 4,299 |
| Average total loans | $102,678,250 | 3,582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9324% | 540 |
| Cost of funding earning assets | 0.9987% | 3,958 |
| Net interest margin | 4.9337% | 451 |
| Noninterest income to average assets | 0.6555% | 2,794 |
| Noninterest expense to average assets | 3.0852% | 3,306 |
| Loan and lease loss provision to assets | 0.1692% | 4,240 |
| Net operating income to assets | 1.8231% | 479 |
| Return on assets (ROA) | 1.8231% | 509 |
| Pretax return on assets | 1.9420% | 650 |
| Return on Equity (ROE) | 18.3600% | 434 |
| Retained earnings to average equity (ytd only) | 9.0418% | 1,092 |
| Net charge-offs to loans | 0.0197% | 5,567 |
| Credit loss provision to net charge-offs | 1,110.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 259 |
| Efficiency ratio | 59.3722% | 5,969 |
| Assets per employee ($millions) | 3.9765% | 3,802 |
| Cash dividends to net income (ytd only)* | 50.7525% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 2,870 |
| Loan loss allowance to noncurrent loans | 842.2727% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 6,316 |
| Noncurrent loans to loans | 0.2180% | 6,470 |
| Net loans and leases to total assets | 75.5051% | 1,155 |
| Net loans and leases to deposits | 92.9979% | 949 |
| Net loans and leases to core deposits | 96.9386% | 1,589 |
| Total domestic deposits to total assets | 81.1900% | 5,462 |
| Equity capital to assets | 10.1438% | 3,960 |
| Core capital (leverage) ratio | 9.9770% | 3,289 |
| Tier 1 risk-based capital ratio | 12.0241% | 5,772 |
| Total risk-based capital ratio | 13.2792% | 5,725 |
| Memoranda: | ||
| Average total assets | $131,206,330 | 4,201 |
| Average earning assets | $120,761,330 | 4,172 |
| Average equity | $13,028,330 | 4,338 |
| Average total loans | $101,753,670 | 3,639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 542 |
| Cost of funding earning assets | 1.0105% | 4,129 |
| Net interest margin | 4.9296% | 434 |
| Noninterest income to average assets | 0.6677% | 2,742 |
| Noninterest expense to average assets | 2.9848% | 3,705 |
| Loan and lease loss provision to assets | 0.1799% | 3,820 |
| Net operating income to assets | 1.8842% | 418 |
| Return on assets (ROA) | 1.8842% | 441 |
| Pretax return on assets | 2.0244% | 536 |
| Return on Equity (ROE) | 19.1821% | 387 |
| Retained earnings to average equity (ytd only) | 12.7260% | 629 |
| Net charge-offs to loans | -0.0274% | 6,680 |
| Credit loss provision to net charge-offs | -842.8571% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5206% | 6,323 |
| Assets per employee ($millions) | 4.2784% | 3,282 |
| Cash dividends to net income (ytd only)* | 33.6570% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 2,937 |
| Loan loss allowance to noncurrent loans | 745.0820% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 5,974 |
| Noncurrent loans to loans | 0.2448% | 6,498 |
| Net loans and leases to total assets | 73.7942% | 1,379 |
| Net loans and leases to deposits | 90.2947% | 1,197 |
| Net loans and leases to core deposits | 94.6612% | 1,810 |
| Total domestic deposits to total assets | 81.7260% | 5,416 |
| Equity capital to assets | 9.8710% | 3,935 |
| Core capital (leverage) ratio | 10.0124% | 3,127 |
| Tier 1 risk-based capital ratio | 11.9551% | 5,738 |
| Total risk-based capital ratio | 13.2100% | 5,718 |
| Memoranda: | ||
| Average total assets | $131,198,000 | 4,228 |
| Average earning assets | $120,335,000 | 4,214 |
| Average equity | $12,887,000 | 4,368 |
| Average total loans | $102,164,000 | 3,662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2641% | 495 |
| Cost of funding earning assets | 1.2172% | 4,439 |
| Net interest margin | 5.0469% | 389 |
| Noninterest income to average assets | 0.8592% | 2,017 |
| Noninterest expense to average assets | 3.2711% | 2,829 |
| Loan and lease loss provision to assets | 0.2972% | 4,422 |
| Net operating income to assets | 1.7810% | 440 |
| Return on assets (ROA) | 1.7810% | 476 |
| Pretax return on assets | 1.9149% | 591 |
| Return on Equity (ROE) | 18.7867% | 325 |
| Retained earnings to average equity (ytd only) | 11.1784% | 358 |
| Net charge-offs to loans | -0.0172% | 7,355 |
| Credit loss provision to net charge-offs | -2,083.3333% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6560% | 6,097 |
| Assets per employee ($millions) | 4.0552% | 3,673 |
| Cash dividends to net income (ytd only)* | 40.4984% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 3,314 |
| Loan loss allowance to noncurrent loans | 858.8235% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 5,631 |
| Noncurrent loans to loans | 0.1950% | 6,681 |
| Net loans and leases to total assets | 79.2849% | 760 |
| Net loans and leases to deposits | 96.6083% | 810 |
| Net loans and leases to core deposits | 101.2847% | 1,511 |
| Total domestic deposits to total assets | 82.0684% | 5,166 |
| Equity capital to assets | 9.7731% | 4,029 |
| Core capital (leverage) ratio | 9.8319% | 3,282 |
| Tier 1 risk-based capital ratio | 11.2515% | 6,131 |
| Total risk-based capital ratio | 12.5057% | 6,112 |
| Memoranda: | ||
| Average total assets | $126,166,200 | 4,348 |
| Average earning assets | $115,595,600 | 4,328 |
| Average equity | $11,960,600 | 4,622 |
| Average total loans | $104,925,200 | 3,657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2731% | 537 |
| Cost of funding earning assets | 1.2476% | 4,583 |
| Net interest margin | 5.0254% | 410 |
| Noninterest income to average assets | 0.8142% | 2,160 |
| Noninterest expense to average assets | 3.2016% | 2,924 |
| Loan and lease loss provision to assets | 0.2948% | 4,221 |
| Net operating income to assets | 1.7924% | 515 |
| Return on assets (ROA) | 1.7924% | 563 |
| Pretax return on assets | 1.9223% | 737 |
| Return on Equity (ROE) | 19.0597% | 386 |
| Retained earnings to average equity (ytd only) | 10.7748% | 635 |
| Net charge-offs to loans | -0.0813% | 7,525 |
| Credit loss provision to net charge-offs | -432.8125% | 7,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0847% | 6,095 |
| Assets per employee ($millions) | 3.8654% | 4,104 |
| Cash dividends to net income (ytd only)* | 43.4681% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,636 |
| Loan loss allowance to noncurrent loans | 181.2367% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 5,590 |
| Noncurrent loans to loans | 0.8694% | 5,482 |
| Net loans and leases to total assets | 85.8513% | 214 |
| Net loans and leases to deposits | 104.5629% | 408 |
| Net loans and leases to core deposits | 109.8830% | 1,038 |
| Total domestic deposits to total assets | 82.1049% | 4,948 |
| Equity capital to assets | 9.9561% | 4,210 |
| Core capital (leverage) ratio | 9.7766% | 3,517 |
| Tier 1 risk-based capital ratio | 10.8014% | 6,545 |
| Total risk-based capital ratio | 12.0546% | 6,529 |
| Memoranda: | ||
| Average total assets | $125,266,500 | 4,435 |
| Average earning assets | $114,773,750 | 4,409 |
| Average equity | $11,780,250 | 4,745 |
| Average total loans | $104,997,500 | 3,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 736 |
| Cost of funding earning assets | 1.2671% | 4,731 |
| Net interest margin | 4.8482% | 603 |
| Noninterest income to average assets | 0.7377% | 2,466 |
| Noninterest expense to average assets | 3.1131% | 3,252 |
| Loan and lease loss provision to assets | 0.2846% | 4,116 |
| Net operating income to assets | 1.6631% | 631 |
| Return on assets (ROA) | 1.6631% | 677 |
| Pretax return on assets | 1.7871% | 911 |
| Return on Equity (ROE) | 18.0314% | 461 |
| Retained earnings to average equity (ytd only) | 8.1882% | 1,379 |
| Net charge-offs to loans | -0.1211% | 7,582 |
| Credit loss provision to net charge-offs | -284.1270% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0429% | 6,041 |
| Assets per employee ($millions) | 4.1709% | 3,448 |
| Cash dividends to net income (ytd only)* | 54.5889% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 3,974 |
| Loan loss allowance to noncurrent loans | 167.6440% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 5,595 |
| Noncurrent loans to loans | 0.8907% | 5,488 |
| Net loans and leases to total assets | 84.4133% | 323 |
| Net loans and leases to deposits | 101.6260% | 611 |
| Net loans and leases to core deposits | 107.5788% | 1,336 |
| Total domestic deposits to total assets | 83.0627% | 4,545 |
| Equity capital to assets | 9.4505% | 4,781 |
| Core capital (leverage) ratio | 9.3509% | 4,040 |
| Tier 1 risk-based capital ratio | 10.4646% | 6,713 |
| Total risk-based capital ratio | 11.7164% | 6,692 |
| Memoranda: | ||
| Average total assets | $125,791,000 | 4,453 |
| Average earning assets | $115,383,670 | 4,430 |
| Average equity | $11,602,000 | 4,781 |
| Average total loans | $104,032,670 | 3,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8588% | 1,300 |
| Cost of funding earning assets | 1.2858% | 4,902 |
| Net interest margin | 4.5730% | 999 |
| Noninterest income to average assets | 0.6850% | 2,698 |
| Noninterest expense to average assets | 3.0732% | 3,377 |
| Loan and lease loss provision to assets | 0.2823% | 3,771 |
| Net operating income to assets | 1.4240% | 1,028 |
| Return on assets (ROA) | 1.4240% | 1,099 |
| Pretax return on assets | 1.5255% | 1,451 |
| Return on Equity (ROE) | 15.6303% | 779 |
| Retained earnings to average equity (ytd only) | 10.0605% | 1,128 |
| Net charge-offs to loans | -0.0625% | 7,408 |
| Credit loss provision to net charge-offs | -556.2500% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9630% | 5,669 |
| Assets per employee ($millions) | 4.1828% | 3,494 |
| Cash dividends to net income (ytd only)* | 35.6347% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 4,216 |
| Loan loss allowance to noncurrent loans | 107.9646% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 4,986 |
| Noncurrent loans to loans | 1.3323% | 4,755 |
| Net loans and leases to total assets | 79.9442% | 850 |
| Net loans and leases to deposits | 95.9825% | 1,111 |
| Net loans and leases to core deposits | 101.7506% | 1,942 |
| Total domestic deposits to total assets | 83.2904% | 4,479 |
| Equity capital to assets | 9.2744% | 4,873 |
| Core capital (leverage) ratio | 9.2844% | 4,078 |
| Tier 1 risk-based capital ratio | 10.5472% | 6,589 |
| Total risk-based capital ratio | 11.7982% | 6,576 |
| Memoranda: | ||
| Average total assets | $126,123,500 | 4,497 |
| Average earning assets | $115,723,000 | 4,478 |
| Average equity | $11,490,500 | 4,850 |
| Average total loans | $102,437,000 | 3,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4388% | 756 |
| Cost of funding earning assets | 1.6218% | 4,923 |
| Net interest margin | 4.8171% | 669 |
| Noninterest income to average assets | 0.5509% | 4,018 |
| Noninterest expense to average assets | 2.9885% | 4,194 |
| Loan and lease loss provision to assets | 0.3678% | 4,588 |
| Net operating income to assets | 1.5104% | 656 |
| Return on assets (ROA) | 1.4972% | 732 |
| Pretax return on assets | 1.6025% | 961 |
| Return on Equity (ROE) | 16.6974% | 485 |
| Retained earnings to average equity (ytd only) | 10.1714% | 351 |
| Net charge-offs to loans | 0.1264% | 5,929 |
| Credit loss provision to net charge-offs | 346.4567% | 937 |
| Earnings coverage of net charge-offs (x) | 18.6929% | 1,114 |
| Efficiency ratio | 60.0941% | 6,479 |
| Assets per employee ($millions) | 4.2254% | 3,387 |
| Cash dividends to net income (ytd only)* | 39.0843% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,659 |
| Loan loss allowance to noncurrent loans | 102.4887% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 5,005 |
| Noncurrent loans to loans | 1.2862% | 4,778 |
| Net loans and leases to total assets | 80.2551% | 947 |
| Net loans and leases to deposits | 95.8723% | 1,348 |
| Net loans and leases to core deposits | 116.3394% | 2,283 |
| Total domestic deposits to total assets | 83.7104% | 4,173 |
| Equity capital to assets | 8.9483% | 5,219 |
| Core capital (leverage) ratio | 9.1540% | 4,194 |
| Tier 1 risk-based capital ratio | 10.1521% | 6,738 |
| Total risk-based capital ratio | 11.3727% | 6,736 |
| Memoranda: | ||
| Average total assets | $119,625,600 | 4,574 |
| Average earning assets | $109,818,200 | 4,569 |
| Average equity | $10,726,200 | 5,094 |
| Average total loans | $100,444,800 | 3,933 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4693% | 803 |
| Cost of funding earning assets | 1.7005% | 4,898 |
| Net interest margin | 4.7688% | 725 |
| Noninterest income to average assets | 0.4843% | 4,628 |
| Noninterest expense to average assets | 2.9067% | 4,427 |
| Loan and lease loss provision to assets | 0.3541% | 4,198 |
| Net operating income to assets | 1.4944% | 826 |
| Return on assets (ROA) | 1.4765% | 923 |
| Pretax return on assets | 1.5829% | 1,209 |
| Return on Equity (ROE) | 16.4582% | 601 |
| Retained earnings to average equity (ytd only) | 9.5343% | 720 |
| Net charge-offs to loans | 0.0147% | 6,713 |
| Credit loss provision to net charge-offs | 2,845.4545% | 143 |
| Earnings coverage of net charge-offs (x) | 157.1425% | 241 |
| Efficiency ratio | 59.7720% | 6,449 |
| Assets per employee ($millions) | 4.2768% | 3,242 |
| Cash dividends to net income (ytd only)* | 42.0688% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 4,586 |
| Loan loss allowance to noncurrent loans | 159.3381% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,781 |
| Noncurrent loans to loans | 0.8073% | 5,687 |
| Net loans and leases to total assets | 83.4027% | 619 |
| Net loans and leases to deposits | 105.9749% | 654 |
| Net loans and leases to core deposits | 130.1439% | 1,428 |
| Total domestic deposits to total assets | 78.7004% | 5,895 |
| Equity capital to assets | 8.8885% | 5,650 |
| Core capital (leverage) ratio | 9.0665% | 4,548 |
| Tier 1 risk-based capital ratio | 9.9430% | 7,026 |
| Total risk-based capital ratio | 11.1648% | 7,006 |
| Memoranda: | ||
| Average total assets | $117,841,500 | 4,654 |
| Average earning assets | $108,200,250 | 4,645 |
| Average equity | $10,572,000 | 5,169 |
| Average total loans | $99,783,000 | 3,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4256% | 953 |
| Cost of funding earning assets | 1.7651% | 4,928 |
| Net interest margin | 4.6605% | 856 |
| Noninterest income to average assets | 0.4681% | 4,724 |
| Noninterest expense to average assets | 2.9090% | 4,471 |
| Loan and lease loss provision to assets | 0.3593% | 3,771 |
| Net operating income to assets | 1.3731% | 1,079 |
| Return on assets (ROA) | 1.3698% | 1,151 |
| Pretax return on assets | 1.4700% | 1,530 |
| Return on Equity (ROE) | 15.2188% | 799 |
| Retained earnings to average equity (ytd only) | 7.2927% | 1,470 |
| Net charge-offs to loans | 0.0143% | 6,342 |
| Credit loss provision to net charge-offs | 2,971.4286% | 173 |
| Earnings coverage of net charge-offs (x) | 151.5714% | 267 |
| Efficiency ratio | 61.3479% | 6,337 |
| Assets per employee ($millions) | 4.3060% | 3,105 |
| Cash dividends to net income (ytd only)* | 52.0807% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,643 |
| Loan loss allowance to noncurrent loans | 1,918.4615% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 7,465 |
| Noncurrent loans to loans | 0.0649% | 7,363 |
| Net loans and leases to total assets | 82.0526% | 947 |
| Net loans and leases to deposits | 97.9069% | 1,531 |
| Net loans and leases to core deposits | 118.3614% | 2,514 |
| Total domestic deposits to total assets | 83.8068% | 3,869 |
| Equity capital to assets | 8.8099% | 5,582 |
| Core capital (leverage) ratio | 8.8528% | 4,856 |
| Tier 1 risk-based capital ratio | 10.1114% | 6,813 |
| Total risk-based capital ratio | 11.3017% | 6,793 |
| Memoranda: | ||
| Average total assets | $115,780,000 | 4,735 |
| Average earning assets | $106,169,330 | 4,721 |
| Average equity | $10,421,330 | 5,236 |
| Average total loans | $98,114,330 | 4,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5058% | 853 |
| Cost of funding earning assets | 1.8384% | 4,925 |
| Net interest margin | 4.6673% | 828 |
| Noninterest income to average assets | 0.4022% | 5,193 |
| Noninterest expense to average assets | 2.8610% | 4,298 |
| Loan and lease loss provision to assets | 0.3634% | 3,142 |
| Net operating income to assets | 1.3471% | 1,269 |
| Return on assets (ROA) | 1.3406% | 1,380 |
| Pretax return on assets | 1.4429% | 1,836 |
| Return on Equity (ROE) | 14.7273% | 1,028 |
| Retained earnings to average equity (ytd only) | 6.9761% | 2,217 |
| Net charge-offs to loans | -0.0041% | 7,160 |
| Credit loss provision to net charge-offs | -10,300.0000% | 6,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2075% | 6,216 |
| Assets per employee ($millions) | 4.1421% | 3,376 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,911 |
| Loan loss allowance to noncurrent loans | 315.0685% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 6,570 |
| Noncurrent loans to loans | 0.3756% | 6,477 |
| Net loans and leases to total assets | 82.7993% | 885 |
| Net loans and leases to deposits | 97.5250% | 1,731 |
| Net loans and leases to core deposits | 116.9759% | 2,684 |
| Total domestic deposits to total assets | 84.9006% | 3,254 |
| Equity capital to assets | 8.9862% | 5,368 |
| Core capital (leverage) ratio | 9.3438% | 4,180 |
| Tier 1 risk-based capital ratio | 10.1102% | 6,800 |
| Total risk-based capital ratio | 11.2289% | 6,851 |
| Memoranda: | ||
| Average total assets | $113,385,500 | 4,816 |
| Average earning assets | $103,785,000 | 4,811 |
| Average equity | $10,321,000 | 5,288 |
| Average total loans | $97,083,000 | 4,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1059% | 904 |
| Cost of funding earning assets | 2.4209% | 4,629 |
| Net interest margin | 4.6850% | 996 |
| Noninterest income to average assets | 0.4570% | 4,986 |
| Noninterest expense to average assets | 3.0225% | 3,999 |
| Loan and lease loss provision to assets | 0.0699% | 6,521 |
| Net operating income to assets | 1.5080% | 1,004 |
| Return on assets (ROA) | 1.5080% | 971 |
| Pretax return on assets | 1.6003% | 1,383 |
| Return on Equity (ROE) | 16.4329% | 708 |
| Retained earnings to average equity (ytd only) | 5.8333% | 1,601 |
| Net charge-offs to loans | 0.2014% | 4,188 |
| Credit loss provision to net charge-offs | 40.9836% | 6,444 |
| Earnings coverage of net charge-offs (x) | 9.7869% | 2,636 |
| Efficiency ratio | 64.4078% | 5,475 |
| Assets per employee ($millions) | 3.9569% | 3,605 |
| Cash dividends to net income (ytd only)* | 64.5022% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,427 |
| Loan loss allowance to noncurrent loans | 334.1853% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 6,454 |
| Noncurrent loans to loans | 0.3227% | 6,406 |
| Net loans and leases to total assets | 86.5948% | 525 |
| Net loans and leases to deposits | 103.1446% | 1,450 |
| Net loans and leases to core deposits | 117.7176% | 2,920 |
| Total domestic deposits to total assets | 83.9548% | 3,344 |
| Equity capital to assets | 9.2244% | 5,044 |
| Core capital (leverage) ratio | 9.2175% | 4,416 |
| Tier 1 risk-based capital ratio | 10.1270% | 6,598 |
| Total risk-based capital ratio | 11.1642% | 6,715 |
| Memoranda: | ||
| Average total assets | $107,229,800 | 4,851 |
| Average earning assets | $96,947,800 | 4,893 |
| Average equity | $9,840,000 | 5,455 |
| Average total loans | $90,857,000 | 4,200 |