Home > Security Savings Bank > Performance and Condition Ratios
Security Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 2,142 |
| Cost of funding earning assets | 1.2060% | 3,726 |
| Net interest margin | 4.2707% | 865 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.4402% | 2,479 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.6896% | 758 |
| Return on assets (ROA) | 1.7502% | 690 |
| Pretax return on assets | 1.8260% | 910 |
| Return on Equity (ROE) | 13.7800% | 1,320 |
| Retained earnings to average equity (ytd only) | 7.5705% | 1,818 |
| Net charge-offs to loans | 0.0589% | 1,092 |
| Credit loss provision to net charge-offs | 236.8421% | 821 |
| Earnings coverage of net charge-offs (x) | 46.4737% | 1,026 |
| Efficiency ratio | 54.5277% | 3,551 |
| Assets per employee ($millions) | 5.3233% | 3,446 |
| Cash dividends to net income (ytd only)* | 45.0721% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 732 |
| Loan loss allowance to noncurrent loans | 6,621.8750% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,624 |
| Noncurrent loans to loans | 0.0249% | 3,585 |
| Net loans and leases to total assets | 66.0000% | 2,289 |
| Net loans and leases to deposits | 77.1891% | 2,299 |
| Net loans and leases to core deposits | 82.7672% | 2,533 |
| Total domestic deposits to total assets | 85.5000% | 2,479 |
| Equity capital to assets | 12.7803% | 979 |
| Core capital (leverage) ratio | 11.6720% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7205% | 1,331 |
| Memoranda: | ||
| Average total assets | $190,146,500 | 3,082 |
| Average earning assets | $172,807,000 | 3,102 |
| Average equity | $24,146,500 | 2,748 |
| Average total loans | $128,933,500 | 2,952 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 2,416 |
| Cost of funding earning assets | 1.3666% | 3,574 |
| Net interest margin | 3.9918% | 1,197 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.3660% | 2,675 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.5442% | 846 |
| Return on assets (ROA) | 1.5669% | 807 |
| Pretax return on assets | 1.6398% | 1,063 |
| Return on Equity (ROE) | 13.1900% | 1,318 |
| Retained earnings to average equity (ytd only) | 6.3813% | 1,675 |
| Net charge-offs to loans | -0.0078% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 55.1928% | 3,634 |
| Assets per employee ($millions) | 5.3901% | 3,367 |
| Cash dividends to net income (ytd only)* | 51.6224% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 766 |
| Loan loss allowance to noncurrent loans | 3,956.6038% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,497 |
| Noncurrent loans to loans | 0.0410% | 3,458 |
| Net loans and leases to total assets | 67.4100% | 2,215 |
| Net loans and leases to deposits | 79.2142% | 2,204 |
| Net loans and leases to core deposits | 84.6600% | 2,466 |
| Total domestic deposits to total assets | 85.1000% | 2,495 |
| Equity capital to assets | 12.6162% | 1,000 |
| Core capital (leverage) ratio | 11.3622% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3171% | 1,444 |
| Memoranda: | ||
| Average total assets | $194,715,600 | 3,035 |
| Average earning assets | $177,515,200 | 3,039 |
| Average equity | $23,130,000 | 2,756 |
| Average total loans | $128,923,600 | 2,913 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 2,491 |
| Cost of funding earning assets | 1.3803% | 3,546 |
| Net interest margin | 3.9014% | 1,298 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.3108% | 2,764 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.4913% | 946 |
| Return on assets (ROA) | 1.5213% | 914 |
| Pretax return on assets | 1.5920% | 1,176 |
| Return on Equity (ROE) | 13.0000% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.9620% | 1,756 |
| Net charge-offs to loans | -0.0114% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 55.2717% | 3,613 |
| Assets per employee ($millions) | 5.4975% | 3,274 |
| Cash dividends to net income (ytd only)* | 46.4493% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 912 |
| Loan loss allowance to noncurrent loans | 7,068.9655% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,667 |
| Noncurrent loans to loans | 0.0221% | 3,654 |
| Net loans and leases to total assets | 67.0000% | 2,203 |
| Net loans and leases to deposits | 82.8355% | 1,895 |
| Net loans and leases to core deposits | 89.0415% | 2,215 |
| Total domestic deposits to total assets | 80.8800% | 3,326 |
| Equity capital to assets | 12.5943% | 1,075 |
| Core capital (leverage) ratio | 11.3189% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0861% | 1,512 |
| Memoranda: | ||
| Average total assets | $196,231,000 | 3,017 |
| Average earning assets | $179,179,000 | 3,038 |
| Average equity | $22,962,250 | 2,758 |
| Average total loans | $128,837,250 | 2,915 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 2,490 |
| Cost of funding earning assets | 1.3826% | 3,495 |
| Net interest margin | 3.8408% | 1,356 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.3088% | 2,769 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.4297% | 1,034 |
| Return on assets (ROA) | 1.4744% | 958 |
| Pretax return on assets | 1.5422% | 1,204 |
| Return on Equity (ROE) | 12.9200% | 1,383 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,011 |
| Net charge-offs to loans | -0.0016% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.0697% | 3,572 |
| Assets per employee ($millions) | 5.0639% | 3,571 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 948 |
| Loan loss allowance to noncurrent loans | 9,068.1818% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,694 |
| Noncurrent loans to loans | 0.0171% | 3,662 |
| Net loans and leases to total assets | 65.6800% | 2,384 |
| Net loans and leases to deposits | 76.0062% | 2,541 |
| Net loans and leases to core deposits | 80.8087% | 2,758 |
| Total domestic deposits to total assets | 86.4100% | 1,853 |
| Equity capital to assets | 11.7868% | 1,247 |
| Core capital (leverage) ratio | 10.6249% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0214% | 1,516 |
| Memoranda: | ||
| Average total assets | $197,503,667 | 3,019 |
| Average earning assets | $180,534,333 | 3,028 |
| Average equity | $22,538,667 | 2,750 |
| Average total loans | $128,127,667 | 2,919 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 2,608 |
| Cost of funding earning assets | 1.3462% | 3,481 |
| Net interest margin | 3.7454% | 1,451 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.3035% | 2,787 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.3454% | 1,159 |
| Return on assets (ROA) | 1.4337% | 1,007 |
| Pretax return on assets | 1.4997% | 1,248 |
| Return on Equity (ROE) | 12.7700% | 1,389 |
| Retained earnings to average equity (ytd only) | 7.3350% | 1,725 |
| Net charge-offs to loans | 0.1562% | 541 |
| Credit loss provision to net charge-offs | 90.0000% | 1,234 |
| Earnings coverage of net charge-offs (x) | 14.9800% | 1,473 |
| Efficiency ratio | 57.2856% | 3,495 |
| Assets per employee ($millions) | 5.2092% | 3,500 |
| Cash dividends to net income (ytd only)* | 42.5384% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,152 |
| Loan loss allowance to noncurrent loans | 7,891.6667% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,724 |
| Noncurrent loans to loans | 0.0187% | 3,656 |
| Net loans and leases to total assets | 63.9900% | 2,474 |
| Net loans and leases to deposits | 76.3162% | 2,395 |
| Net loans and leases to core deposits | 81.4630% | 2,621 |
| Total domestic deposits to total assets | 83.8500% | 2,759 |
| Equity capital to assets | 11.4044% | 1,347 |
| Core capital (leverage) ratio | 10.2889% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5037% | 1,703 |
| Memoranda: | ||
| Average total assets | $200,042,000 | 2,997 |
| Average earning assets | $182,731,000 | 3,015 |
| Average equity | $22,467,500 | 2,763 |
| Average total loans | $128,004,000 | 2,922 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 2,586 |
| Cost of funding earning assets | 0.9967% | 3,304 |
| Net interest margin | 3.7479% | 1,652 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.2583% | 2,962 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4105% | 1,199 |
| Return on assets (ROA) | 1.4361% | 1,117 |
| Pretax return on assets | 1.5044% | 1,409 |
| Return on Equity (ROE) | 13.7500% | 1,542 |
| Retained earnings to average equity (ytd only) | 7.9273% | 1,561 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.1616% | 3,589 |
| Assets per employee ($millions) | 5.6148% | 3,148 |
| Cash dividends to net income (ytd only)* | 42.3611% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,086 |
| Loan loss allowance to noncurrent loans | 2,673.2394% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,400 |
| Noncurrent loans to loans | 0.0557% | 3,323 |
| Net loans and leases to total assets | 62.1100% | 2,662 |
| Net loans and leases to deposits | 74.5843% | 2,577 |
| Net loans and leases to core deposits | 80.0859% | 2,699 |
| Total domestic deposits to total assets | 83.2700% | 2,821 |
| Equity capital to assets | 11.0620% | 1,446 |
| Core capital (leverage) ratio | 10.0821% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0037% | 1,868 |
| Memoranda: | ||
| Average total assets | $200,548,000 | 2,988 |
| Average earning assets | $183,411,400 | 2,984 |
| Average equity | $20,940,200 | 2,781 |
| Average total loans | $119,112,400 | 2,965 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 2,579 |
| Cost of funding earning assets | 0.8981% | 3,278 |
| Net interest margin | 3.7466% | 1,694 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.1976% | 3,082 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4393% | 1,235 |
| Return on assets (ROA) | 1.4735% | 1,160 |
| Pretax return on assets | 1.5475% | 1,471 |
| Return on Equity (ROE) | 14.3300% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.4693% | 1,559 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.8313% | 3,601 |
| Assets per employee ($millions) | 5.5153% | 3,172 |
| Cash dividends to net income (ytd only)* | 33.9060% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,061 |
| Loan loss allowance to noncurrent loans | 7,448.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,720 |
| Noncurrent loans to loans | 0.0204% | 3,617 |
| Net loans and leases to total assets | 60.7800% | 2,772 |
| Net loans and leases to deposits | 73.6620% | 2,597 |
| Net loans and leases to core deposits | 78.1914% | 2,729 |
| Total domestic deposits to total assets | 82.5100% | 3,115 |
| Equity capital to assets | 10.2920% | 1,650 |
| Core capital (leverage) ratio | 10.0145% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3306% | 1,780 |
| Memoranda: | ||
| Average total assets | $200,151,500 | 2,996 |
| Average earning assets | $183,342,000 | 2,997 |
| Average equity | $20,585,250 | 2,795 |
| Average total loans | $117,030,750 | 2,988 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 2,559 |
| Cost of funding earning assets | 0.7876% | 3,242 |
| Net interest margin | 3.7487% | 1,718 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.2045% | 3,059 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.4258% | 1,269 |
| Return on assets (ROA) | 1.4769% | 1,141 |
| Pretax return on assets | 1.5517% | 1,497 |
| Return on Equity (ROE) | 14.3600% | 1,609 |
| Retained earnings to average equity (ytd only) | 9.5177% | 1,533 |
| Net charge-offs to loans | 0.0017% | 2,322 |
| Credit loss provision to net charge-offs | 9,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,593.0000% | 86 |
| Efficiency ratio | 54.0079% | 3,609 |
| Assets per employee ($millions) | 5.6527% | 3,025 |
| Cash dividends to net income (ytd only)* | 33.7382% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 994 |
| Loan loss allowance to noncurrent loans | 6,337.9310% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,691 |
| Noncurrent loans to loans | 0.0248% | 3,580 |
| Net loans and leases to total assets | 58.2500% | 2,942 |
| Net loans and leases to deposits | 67.2553% | 2,968 |
| Net loans and leases to core deposits | 71.1651% | 3,056 |
| Total domestic deposits to total assets | 86.6100% | 2,054 |
| Equity capital to assets | 10.6214% | 1,542 |
| Core capital (leverage) ratio | 9.6254% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4827% | 1,733 |
| Memoranda: | ||
| Average total assets | $200,684,667 | 3,000 |
| Average earning assets | $183,848,000 | 3,002 |
| Average equity | $20,635,333 | 2,805 |
| Average total loans | $115,194,000 | 3,004 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,463 |
| Cost of funding earning assets | 0.6190% | 3,326 |
| Net interest margin | 3.8115% | 1,664 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1296% | 3,305 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5491% | 1,081 |
| Return on assets (ROA) | 1.6506% | 908 |
| Pretax return on assets | 1.7338% | 1,209 |
| Return on Equity (ROE) | 16.3200% | 1,293 |
| Retained earnings to average equity (ytd only) | 16.3161% | 657 |
| Net charge-offs to loans | 0.0105% | 1,544 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 374 |
| Efficiency ratio | 51.2095% | 3,839 |
| Assets per employee ($millions) | 5.7402% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,121 |
| Loan loss allowance to noncurrent loans | 3,980.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,580 |
| Noncurrent loans to loans | 0.0389% | 3,464 |
| Net loans and leases to total assets | 56.6600% | 2,990 |
| Net loans and leases to deposits | 65.2786% | 2,996 |
| Net loans and leases to core deposits | 68.9488% | 3,025 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 10.5362% | 1,547 |
| Core capital (leverage) ratio | 9.3270% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5675% | 1,771 |
| Memoranda: | ||
| Average total assets | $202,104,000 | 3,031 |
| Average earning assets | $184,810,500 | 3,031 |
| Average equity | $20,446,000 | 2,846 |
| Average total loans | $114,250,000 | 3,045 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 1,967 |
| Cost of funding earning assets | 0.3476% | 2,495 |
| Net interest margin | 3.5585% | 1,762 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.2655% | 2,847 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.2535% | 1,591 |
| Return on assets (ROA) | 1.3333% | 1,294 |
| Pretax return on assets | 1.4038% | 1,762 |
| Return on Equity (ROE) | 13.1000% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.8960% | 2,285 |
| Net charge-offs to loans | 0.0020% | 2,466 |
| Credit loss provision to net charge-offs | 9,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 1,307.5000% | 135 |
| Efficiency ratio | 58.4989% | 3,267 |
| Assets per employee ($millions) | 5.6472% | 3,088 |
| Cash dividends to net income (ytd only)* | 47.3577% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,082 |
| Loan loss allowance to noncurrent loans | 5,830.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,714 |
| Noncurrent loans to loans | 0.0266% | 3,600 |
| Net loans and leases to total assets | 54.6600% | 3,144 |
| Net loans and leases to deposits | 63.6469% | 3,067 |
| Net loans and leases to core deposits | 66.7869% | 3,080 |
| Total domestic deposits to total assets | 85.8800% | 2,765 |
| Equity capital to assets | 9.7019% | 1,885 |
| Core capital (leverage) ratio | 9.0077% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1058% | 1,935 |
| Memoranda: | ||
| Average total assets | $184,504,600 | 3,148 |
| Average earning assets | $170,298,600 | 3,146 |
| Average equity | $18,779,000 | 3,056 |
| Average total loans | $101,060,400 | 3,139 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 1,948 |
| Cost of funding earning assets | 0.3071% | 2,092 |
| Net interest margin | 3.4271% | 1,879 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2231% | 2,865 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1877% | 1,744 |
| Return on assets (ROA) | 1.2969% | 1,327 |
| Pretax return on assets | 1.3674% | 1,824 |
| Return on Equity (ROE) | 12.5800% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.0101% | 1,996 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.6848% | 3,153 |
| Assets per employee ($millions) | 5.2108% | 3,494 |
| Cash dividends to net income (ytd only)* | 36.3065% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,140 |
| Loan loss allowance to noncurrent loans | 4,265.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,740 |
| Noncurrent loans to loans | 0.0367% | 3,632 |
| Net loans and leases to total assets | 54.2200% | 3,078 |
| Net loans and leases to deposits | 62.0910% | 3,016 |
| Net loans and leases to core deposits | 64.8511% | 3,046 |
| Total domestic deposits to total assets | 87.3200% | 2,661 |
| Equity capital to assets | 9.7161% | 1,763 |
| Core capital (leverage) ratio | 8.7789% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5431% | 1,861 |
| Memoranda: | ||
| Average total assets | $179,805,750 | 3,212 |
| Average earning assets | $166,743,000 | 3,209 |
| Average equity | $18,542,750 | 3,109 |
| Average total loans | $98,108,750 | 3,186 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 2,271 |
| Cost of funding earning assets | 0.3179% | 1,547 |
| Net interest margin | 3.1398% | 2,402 |
| Noninterest income to average assets | 0.3764% | 2,897 |
| Noninterest expense to average assets | 2.1320% | 3,058 |
| Loan and lease loss provision to assets | 0.1036% | 963 |
| Net operating income to assets | 1.0081% | 2,123 |
| Return on assets (ROA) | 1.1776% | 1,486 |
| Pretax return on assets | 1.2410% | 1,930 |
| Return on Equity (ROE) | 11.1738% | 1,927 |
| Retained earnings to average equity (ytd only) | 5.0025% | 2,710 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6422% | 2,687 |
| Assets per employee ($millions) | 5.6730% | 3,058 |
| Cash dividends to net income (ytd only)* | 55.2297% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,096 |
| Loan loss allowance to noncurrent loans | 4,152.5000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,810 |
| Noncurrent loans to loans | 0.0392% | 3,652 |
| Net loans and leases to total assets | 49.2055% | 3,449 |
| Net loans and leases to deposits | 56.6570% | 3,329 |
| Net loans and leases to core deposits | 58.8412% | 3,358 |
| Total domestic deposits to total assets | 86.8481% | 2,995 |
| Equity capital to assets | 9.9550% | 1,737 |
| Core capital (leverage) ratio | 8.5225% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1292% | 2,002 |
| Memoranda: | ||
| Average total assets | $173,737,000 | 3,302 |
| Average earning assets | $161,668,333 | 3,301 |
| Average equity | $18,310,667 | 3,206 |
| Average total loans | $94,456,667 | 3,267 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 1,361 |
| Cost of funding earning assets | 0.3264% | 1,406 |
| Net interest margin | 3.3366% | 1,478 |
| Noninterest income to average assets | 0.4215% | 2,548 |
| Noninterest expense to average assets | 2.0973% | 3,149 |
| Loan and lease loss provision to assets | 0.1136% | 735 |
| Net operating income to assets | 1.2637% | 1,081 |
| Return on assets (ROA) | 1.3931% | 809 |
| Pretax return on assets | 1.4689% | 1,078 |
| Return on Equity (ROE) | 12.7626% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.4853% | 1,428 |
| Net charge-offs to loans | 0.0044% | 1,602 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 573.0000% | 175 |
| Efficiency ratio | 59.1880% | 3,562 |
| Assets per employee ($millions) | 5.4348% | 3,361 |
| Cash dividends to net income (ytd only)* | 33.5145% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 876 |
| Loan loss allowance to noncurrent loans | 3,939.0244% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,792 |
| Noncurrent loans to loans | 0.0458% | 3,649 |
| Net loans and leases to total assets | 53.8750% | 2,776 |
| Net loans and leases to deposits | 63.0477% | 2,623 |
| Net loans and leases to core deposits | 65.8012% | 2,646 |
| Total domestic deposits to total assets | 85.4512% | 3,418 |
| Equity capital to assets | 10.5843% | 1,555 |
| Core capital (leverage) ratio | 10.6879% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5504% | 1,131 |
| Memoranda: | ||
| Average total assets | $158,491,000 | 3,436 |
| Average earning assets | $148,296,500 | 3,425 |
| Average equity | $17,300,500 | 3,377 |
| Average total loans | $90,608,500 | 3,322 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 2,080 |
| Cost of funding earning assets | 0.4104% | 1,464 |
| Net interest margin | 3.3011% | 2,313 |
| Noninterest income to average assets | 0.4308% | 2,900 |
| Noninterest expense to average assets | 2.1964% | 3,098 |
| Loan and lease loss provision to assets | 0.1212% | 1,019 |
| Net operating income to assets | 1.1320% | 2,169 |
| Return on assets (ROA) | 1.1914% | 2,012 |
| Pretax return on assets | 1.2567% | 2,496 |
| Return on Equity (ROE) | 10.4431% | 2,372 |
| Retained earnings to average equity (ytd only) | 5.8116% | 2,437 |
| Net charge-offs to loans | 0.1857% | 522 |
| Credit loss provision to net charge-offs | 108.4337% | 1,719 |
| Earnings coverage of net charge-offs (x) | 11.7711% | 2,141 |
| Efficiency ratio | 62.5455% | 2,788 |
| Assets per employee ($millions) | 5.1313% | 3,613 |
| Cash dividends to net income (ytd only)* | 44.3503% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,022 |
| Loan loss allowance to noncurrent loans | 489.4081% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 2,518 |
| Noncurrent loans to loans | 0.3498% | 2,329 |
| Net loans and leases to total assets | 58.5892% | 2,317 |
| Net loans and leases to deposits | 69.2887% | 2,196 |
| Net loans and leases to core deposits | 72.6702% | 2,195 |
| Total domestic deposits to total assets | 84.5581% | 3,405 |
| Equity capital to assets | 11.2669% | 1,627 |
| Core capital (leverage) ratio | 11.2329% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9537% | 1,275 |
| Memoranda: | ||
| Average total assets | $148,561,200 | 3,496 |
| Average earning assets | $138,652,800 | 3,491 |
| Average equity | $16,949,000 | 3,467 |
| Average total loans | $89,404,200 | 3,344 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 2,318 |
| Cost of funding earning assets | 0.4314% | 1,475 |
| Net interest margin | 3.2532% | 2,575 |
| Noninterest income to average assets | 0.4085% | 3,043 |
| Noninterest expense to average assets | 2.1265% | 3,286 |
| Loan and lease loss provision to assets | 0.1223% | 957 |
| Net operating income to assets | 1.1363% | 2,416 |
| Return on assets (ROA) | 1.2163% | 2,168 |
| Pretax return on assets | 1.2833% | 2,667 |
| Return on Equity (ROE) | 10.6267% | 2,511 |
| Retained earnings to average equity (ytd only) | 6.3934% | 2,651 |
| Net charge-offs to loans | 0.2177% | 379 |
| Credit loss provision to net charge-offs | 93.1034% | 1,643 |
| Earnings coverage of net charge-offs (x) | 10.0621% | 2,051 |
| Efficiency ratio | 61.6759% | 2,744 |
| Assets per employee ($millions) | 4.9768% | 3,723 |
| Cash dividends to net income (ytd only)* | 39.8362% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 1,293 |
| Loan loss allowance to noncurrent loans | 1,738.2022% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,703 |
| Noncurrent loans to loans | 0.0931% | 3,612 |
| Net loans and leases to total assets | 65.1904% | 1,636 |
| Net loans and leases to deposits | 78.6932% | 1,416 |
| Net loans and leases to core deposits | 83.1041% | 1,487 |
| Total domestic deposits to total assets | 82.8412% | 3,747 |
| Equity capital to assets | 11.9429% | 1,428 |
| Core capital (leverage) ratio | 11.5171% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0065% | 1,613 |
| Memoranda: | ||
| Average total assets | $147,217,000 | 3,542 |
| Average earning assets | $137,544,000 | 3,534 |
| Average equity | $16,850,250 | 3,521 |
| Average total loans | $88,814,750 | 3,398 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 2,751 |
| Cost of funding earning assets | 0.4495% | 1,522 |
| Net interest margin | 3.1076% | 3,010 |
| Noninterest income to average assets | 0.3860% | 3,180 |
| Noninterest expense to average assets | 2.0367% | 3,588 |
| Loan and lease loss provision to assets | 0.1215% | 1,043 |
| Net operating income to assets | 1.0820% | 2,599 |
| Return on assets (ROA) | 1.2012% | 2,261 |
| Pretax return on assets | 1.2647% | 2,727 |
| Return on Equity (ROE) | 10.6451% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.7245% | 3,292 |
| Net charge-offs to loans | 0.3351% | 259 |
| Credit loss provision to net charge-offs | 62.0690% | 1,550 |
| Earnings coverage of net charge-offs (x) | 6.4414% | 1,958 |
| Efficiency ratio | 61.7683% | 2,764 |
| Assets per employee ($millions) | 5.0840% | 3,583 |
| Cash dividends to net income (ytd only)* | 55.6180% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 1,080 |
| Loan loss allowance to noncurrent loans | 3,663.4146% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,083 |
| Noncurrent loans to loans | 0.0462% | 3,950 |
| Net loans and leases to total assets | 57.2463% | 2,757 |
| Net loans and leases to deposits | 68.2541% | 2,595 |
| Net loans and leases to core deposits | 71.9683% | 2,608 |
| Total domestic deposits to total assets | 83.8723% | 3,476 |
| Equity capital to assets | 11.0576% | 1,941 |
| Core capital (leverage) ratio | 10.7260% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7906% | 1,391 |
| Memoranda: | ||
| Average total assets | $148,180,000 | 3,543 |
| Average earning assets | $138,822,333 | 3,528 |
| Average equity | $16,721,333 | 3,539 |
| Average total loans | $86,541,333 | 3,447 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4655% | 3,025 |
| Cost of funding earning assets | 0.4712% | 1,585 |
| Net interest margin | 2.9943% | 3,272 |
| Noninterest income to average assets | 0.3890% | 3,155 |
| Noninterest expense to average assets | 2.0382% | 3,595 |
| Loan and lease loss provision to assets | 0.1233% | 1,117 |
| Net operating income to assets | 0.9771% | 2,880 |
| Return on assets (ROA) | 1.2191% | 2,156 |
| Pretax return on assets | 1.2848% | 2,604 |
| Return on Equity (ROE) | 10.6910% | 2,462 |
| Retained earnings to average equity (ytd only) | 3.9641% | 3,516 |
| Net charge-offs to loans | 0.6791% | 117 |
| Credit loss provision to net charge-offs | 31.0345% | 1,383 |
| Earnings coverage of net charge-offs (x) | 2.9034% | 1,789 |
| Efficiency ratio | 63.8627% | 2,482 |
| Assets per employee ($millions) | 4.9898% | 3,670 |
| Cash dividends to net income (ytd only)* | 62.9213% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 1,057 |
| Loan loss allowance to noncurrent loans | 3,735.8974% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,178 |
| Noncurrent loans to loans | 0.0454% | 4,061 |
| Net loans and leases to total assets | 56.4629% | 2,979 |
| Net loans and leases to deposits | 67.9954% | 2,707 |
| Net loans and leases to core deposits | 71.4530% | 2,748 |
| Total domestic deposits to total assets | 83.0393% | 3,675 |
| Equity capital to assets | 11.1461% | 1,756 |
| Core capital (leverage) ratio | 10.9693% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6813% | 1,388 |
| Memoranda: | ||
| Average total assets | $146,010,000 | 3,565 |
| Average earning assets | $136,660,000 | 3,554 |
| Average equity | $16,649,500 | 3,547 |
| Average total loans | $85,405,000 | 3,477 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 2,581 |
| Cost of funding earning assets | 0.7880% | 1,260 |
| Net interest margin | 3.2623% | 3,176 |
| Noninterest income to average assets | 0.4171% | 3,023 |
| Noninterest expense to average assets | 2.2531% | 3,535 |
| Loan and lease loss provision to assets | 0.1306% | 2,728 |
| Net operating income to assets | 1.0199% | 2,218 |
| Return on assets (ROA) | 1.0460% | 2,258 |
| Pretax return on assets | 1.1034% | 2,678 |
| Return on Equity (ROE) | 9.0113% | 2,388 |
| Retained earnings to average equity (ytd only) | 7.0115% | 1,394 |
| Net charge-offs to loans | 0.4551% | 360 |
| Credit loss provision to net charge-offs | 46.3918% | 3,162 |
| Earnings coverage of net charge-offs (x) | 4.2861% | 3,003 |
| Efficiency ratio | 65.1290% | 2,656 |
| Assets per employee ($millions) | 4.7442% | 3,668 |
| Cash dividends to net income (ytd only)* | 22.1914% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 804 |
| Loan loss allowance to noncurrent loans | 752.1739% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 3,562 |
| Noncurrent loans to loans | 0.2440% | 3,320 |
| Net loans and leases to total assets | 58.5096% | 3,032 |
| Net loans and leases to deposits | 71.1406% | 2,770 |
| Net loans and leases to core deposits | 74.9948% | 2,820 |
| Total domestic deposits to total assets | 82.2451% | 3,605 |
| Equity capital to assets | 11.6731% | 1,753 |
| Core capital (leverage) ratio | 11.4936% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0451% | 1,513 |
| Memoranda: | ||
| Average total assets | $137,852,200 | 3,538 |
| Average earning assets | $128,559,200 | 3,525 |
| Average equity | $16,002,200 | 3,548 |
| Average total loans | $85,249,200 | 3,480 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 2,463 |
| Cost of funding earning assets | 0.8721% | 1,167 |
| Net interest margin | 3.2993% | 3,195 |
| Noninterest income to average assets | 0.4154% | 3,006 |
| Noninterest expense to average assets | 2.2359% | 3,591 |
| Loan and lease loss provision to assets | 0.1316% | 2,703 |
| Net operating income to assets | 1.0676% | 2,082 |
| Return on assets (ROA) | 1.1028% | 2,099 |
| Pretax return on assets | 1.1614% | 2,524 |
| Return on Equity (ROE) | 9.5144% | 2,200 |
| Retained earnings to average equity (ytd only) | 7.7478% | 1,394 |
| Net charge-offs to loans | 0.1671% | 882 |
| Credit loss provision to net charge-offs | 126.1682% | 2,466 |
| Earnings coverage of net charge-offs (x) | 12.0374% | 2,268 |
| Efficiency ratio | 64.0324% | 2,726 |
| Assets per employee ($millions) | 4.5140% | 3,836 |
| Cash dividends to net income (ytd only)* | 18.5676% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 448 |
| Loan loss allowance to noncurrent loans | 1,080.7229% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 3,816 |
| Noncurrent loans to loans | 0.1906% | 3,630 |
| Net loans and leases to total assets | 63.0050% | 2,886 |
| Net loans and leases to deposits | 78.4960% | 2,480 |
| Net loans and leases to core deposits | 83.0724% | 2,579 |
| Total domestic deposits to total assets | 80.2652% | 3,805 |
| Equity capital to assets | 12.1510% | 1,601 |
| Core capital (leverage) ratio | 11.4584% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8574% | 1,546 |
| Memoranda: | ||
| Average total assets | $136,733,500 | 3,542 |
| Average earning assets | $127,500,500 | 3,523 |
| Average equity | $15,849,250 | 3,569 |
| Average total loans | $85,353,500 | 3,496 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 2,788 |
| Cost of funding earning assets | 0.9507% | 1,148 |
| Net interest margin | 3.2424% | 3,546 |
| Noninterest income to average assets | 0.4068% | 3,033 |
| Noninterest expense to average assets | 2.1623% | 3,896 |
| Loan and lease loss provision to assets | 0.1312% | 2,708 |
| Net operating income to assets | 1.0832% | 2,027 |
| Return on assets (ROA) | 1.1358% | 1,974 |
| Pretax return on assets | 1.1970% | 2,374 |
| Return on Equity (ROE) | 9.9570% | 1,998 |
| Retained earnings to average equity (ytd only) | 7.8480% | 1,352 |
| Net charge-offs to loans | 0.0024% | 2,927 |
| Credit loss provision to net charge-offs | 9,000.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 106 |
| Efficiency ratio | 62.9457% | 2,964 |
| Assets per employee ($millions) | 4.7035% | 3,526 |
| Cash dividends to net income (ytd only)* | 21.1810% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 368 |
| Loan loss allowance to noncurrent loans | 367.3267% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 2,862 |
| Noncurrent loans to loans | 0.5768% | 2,423 |
| Net loans and leases to total assets | 60.7356% | 3,240 |
| Net loans and leases to deposits | 75.5654% | 2,918 |
| Net loans and leases to core deposits | 81.6706% | 2,802 |
| Total domestic deposits to total assets | 80.3749% | 3,755 |
| Equity capital to assets | 11.4610% | 1,998 |
| Core capital (leverage) ratio | 10.9529% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0841% | 1,775 |
| Memoranda: | ||
| Average total assets | $137,171,000 | 3,516 |
| Average earning assets | $128,116,667 | 3,497 |
| Average equity | $15,647,333 | 3,591 |
| Average total loans | $84,766,000 | 3,506 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 3,288 |
| Cost of funding earning assets | 1.0372% | 1,271 |
| Net interest margin | 3.1431% | 4,003 |
| Noninterest income to average assets | 0.4556% | 2,761 |
| Noninterest expense to average assets | 2.4141% | 3,508 |
| Loan and lease loss provision to assets | 0.1331% | 2,062 |
| Net operating income to assets | 0.8074% | 2,882 |
| Return on assets (ROA) | 0.9142% | 2,584 |
| Pretax return on assets | 0.9615% | 2,959 |
| Return on Equity (ROE) | 8.0338% | 2,507 |
| Retained earnings to average equity (ytd only) | 6.8638% | 1,591 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0801% | 2,205 |
| Assets per employee ($millions) | 4.4411% | 3,344 |
| Cash dividends to net income (ytd only)* | 14.5631% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 408 |
| Loan loss allowance to noncurrent loans | 427.1226% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 3,214 |
| Noncurrent loans to loans | 0.5011% | 2,764 |
| Net loans and leases to total assets | 60.1416% | 3,479 |
| Net loans and leases to deposits | 74.8346% | 3,183 |
| Net loans and leases to core deposits | 82.4012% | 2,989 |
| Total domestic deposits to total assets | 80.3661% | 3,787 |
| Equity capital to assets | 11.2773% | 2,609 |
| Core capital (leverage) ratio | 11.1167% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3004% | 1,529 |
| Memoranda: | ||
| Average total assets | $135,204,000 | 3,513 |
| Average earning assets | $126,498,000 | 3,490 |
| Average equity | $15,385,000 | 3,620 |
| Average total loans | $83,371,000 | 3,530 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 3,468 |
| Cost of funding earning assets | 1.0766% | 1,415 |
| Net interest margin | 3.2495% | 4,083 |
| Noninterest income to average assets | 0.5098% | 2,679 |
| Noninterest expense to average assets | 2.2134% | 4,140 |
| Loan and lease loss provision to assets | 0.1395% | 1,529 |
| Net operating income to assets | 1.1753% | 2,152 |
| Return on assets (ROA) | 1.4255% | 1,325 |
| Pretax return on assets | 1.5022% | 1,805 |
| Return on Equity (ROE) | 12.9039% | 1,194 |
| Retained earnings to average equity (ytd only) | 9.4045% | 614 |
| Net charge-offs to loans | 0.2299% | 888 |
| Credit loss provision to net charge-offs | 94.7368% | 2,594 |
| Earnings coverage of net charge-offs (x) | 9.3632% | 2,672 |
| Efficiency ratio | 61.6264% | 3,432 |
| Assets per employee ($millions) | 4.1479% | 3,702 |
| Cash dividends to net income (ytd only)* | 27.1196% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 359 |
| Loan loss allowance to noncurrent loans | 418.4834% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 3,147 |
| Noncurrent loans to loans | 0.5138% | 2,647 |
| Net loans and leases to total assets | 60.5464% | 3,541 |
| Net loans and leases to deposits | 75.7917% | 3,202 |
| Net loans and leases to core deposits | 86.1278% | 2,781 |
| Total domestic deposits to total assets | 79.8852% | 4,002 |
| Equity capital to assets | 11.4847% | 2,540 |
| Core capital (leverage) ratio | 11.3641% | 2,204 |
| Tier 1 risk-based capital ratio | 14.1415% | 3,192 |
| Total risk-based capital ratio | 15.3964% | 3,106 |
| Memoranda: | ||
| Average total assets | $129,077,400 | 3,576 |
| Average earning assets | $122,420,200 | 3,528 |
| Average equity | $14,259,200 | 3,715 |
| Average total loans | $82,637,400 | 3,548 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 3,579 |
| Cost of funding earning assets | 1.0725% | 1,461 |
| Net interest margin | 3.2525% | 4,179 |
| Noninterest income to average assets | 0.5254% | 2,577 |
| Noninterest expense to average assets | 2.2336% | 4,111 |
| Loan and lease loss provision to assets | 0.1404% | 1,377 |
| Net operating income to assets | 1.1828% | 2,257 |
| Return on assets (ROA) | 1.1828% | 2,341 |
| Pretax return on assets | 1.2463% | 2,830 |
| Return on Equity (ROE) | 10.8182% | 2,091 |
| Retained earnings to average equity (ytd only) | 7.4405% | 1,655 |
| Net charge-offs to loans | 0.3270% | 528 |
| Credit loss provision to net charge-offs | 66.5025% | 2,657 |
| Earnings coverage of net charge-offs (x) | 6.5665% | 2,826 |
| Efficiency ratio | 61.6954% | 3,376 |
| Assets per employee ($millions) | 4.2189% | 3,587 |
| Cash dividends to net income (ytd only)* | 31.2225% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 449 |
| Loan loss allowance to noncurrent loans | 407.6372% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,216 |
| Noncurrent loans to loans | 0.4955% | 2,810 |
| Net loans and leases to total assets | 65.4676% | 3,116 |
| Net loans and leases to deposits | 84.5365% | 2,379 |
| Net loans and leases to core deposits | 95.9684% | 1,997 |
| Total domestic deposits to total assets | 77.4430% | 4,449 |
| Equity capital to assets | 11.6191% | 2,582 |
| Core capital (leverage) ratio | 11.2375% | 2,437 |
| Tier 1 risk-based capital ratio | 14.7306% | 2,981 |
| Total risk-based capital ratio | 15.9860% | 2,899 |
| Memoranda: | ||
| Average total assets | $128,163,500 | 3,628 |
| Average earning assets | $121,952,750 | 3,575 |
| Average equity | $14,013,000 | 3,781 |
| Average total loans | $82,764,000 | 3,580 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 3,718 |
| Cost of funding earning assets | 1.0541% | 1,480 |
| Net interest margin | 3.2193% | 4,319 |
| Noninterest income to average assets | 0.5237% | 2,546 |
| Noninterest expense to average assets | 2.1788% | 4,274 |
| Loan and lease loss provision to assets | 0.1399% | 1,326 |
| Net operating income to assets | 1.2075% | 2,124 |
| Return on assets (ROA) | 1.2075% | 2,185 |
| Pretax return on assets | 1.2712% | 2,668 |
| Return on Equity (ROE) | 11.2756% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.2849% | 1,691 |
| Net charge-offs to loans | 0.4211% | 396 |
| Credit loss provision to net charge-offs | 52.0231% | 2,464 |
| Earnings coverage of net charge-offs (x) | 5.2486% | 2,681 |
| Efficiency ratio | 60.6926% | 3,629 |
| Assets per employee ($millions) | 4.4684% | 3,188 |
| Cash dividends to net income (ytd only)* | 35.3925% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 462 |
| Loan loss allowance to noncurrent loans | 379.5964% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,156 |
| Noncurrent loans to loans | 0.5319% | 2,680 |
| Net loans and leases to total assets | 63.4034% | 3,407 |
| Net loans and leases to deposits | 80.9554% | 2,849 |
| Net loans and leases to core deposits | 92.2721% | 2,388 |
| Total domestic deposits to total assets | 78.3189% | 4,341 |
| Equity capital to assets | 11.0477% | 2,996 |
| Core capital (leverage) ratio | 10.9669% | 2,630 |
| Tier 1 risk-based capital ratio | 13.8589% | 3,393 |
| Total risk-based capital ratio | 15.1139% | 3,291 |
| Memoranda: | ||
| Average total assets | $128,695,330 | 3,636 |
| Average earning assets | $122,572,670 | 3,588 |
| Average equity | $13,782,000 | 3,819 |
| Average total loans | $82,162,330 | 3,616 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 3,760 |
| Cost of funding earning assets | 1.0195% | 1,483 |
| Net interest margin | 3.2160% | 4,357 |
| Noninterest income to average assets | 0.4834% | 2,661 |
| Noninterest expense to average assets | 2.2893% | 4,052 |
| Loan and lease loss provision to assets | 0.1403% | 1,221 |
| Net operating income to assets | 1.0573% | 2,636 |
| Return on assets (ROA) | 1.0573% | 2,678 |
| Pretax return on assets | 1.1134% | 3,107 |
| Return on Equity (ROE) | 10.0333% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.8898% | 2,500 |
| Net charge-offs to loans | 0.0394% | 1,711 |
| Credit loss provision to net charge-offs | 562.5000% | 566 |
| Earnings coverage of net charge-offs (x) | 50.2500% | 1,022 |
| Efficiency ratio | 64.6127% | 3,144 |
| Assets per employee ($millions) | 4.4174% | 3,304 |
| Cash dividends to net income (ytd only)* | 41.2979% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 365 |
| Loan loss allowance to noncurrent loans | 2,238.2716% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,748 |
| Noncurrent loans to loans | 0.0973% | 4,310 |
| Net loans and leases to total assets | 63.5577% | 3,339 |
| Net loans and leases to deposits | 81.7462% | 2,638 |
| Net loans and leases to core deposits | 93.4380% | 2,177 |
| Total domestic deposits to total assets | 77.7501% | 4,556 |
| Equity capital to assets | 10.7616% | 3,085 |
| Core capital (leverage) ratio | 10.8640% | 2,704 |
| Tier 1 risk-based capital ratio | 13.5720% | 3,571 |
| Total risk-based capital ratio | 14.8281% | 3,480 |
| Memoranda: | ||
| Average total assets | $128,251,500 | 3,677 |
| Average earning assets | $122,016,500 | 3,631 |
| Average equity | $13,515,000 | 3,868 |
| Average total loans | $81,317,000 | 3,666 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 3,780 |
| Cost of funding earning assets | 0.8318% | 1,378 |
| Net interest margin | 3.2538% | 4,369 |
| Noninterest income to average assets | 0.5404% | 2,613 |
| Noninterest expense to average assets | 2.1979% | 4,341 |
| Loan and lease loss provision to assets | 0.1424% | 1,510 |
| Net operating income to assets | 1.2169% | 2,100 |
| Return on assets (ROA) | 1.2169% | 2,092 |
| Pretax return on assets | 1.2825% | 2,568 |
| Return on Equity (ROE) | 12.1293% | 1,670 |
| Retained earnings to average equity (ytd only) | 10.1183% | 599 |
| Net charge-offs to loans | 0.0013% | 3,725 |
| Credit loss provision to net charge-offs | 18,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,801.0000% | 58 |
| Efficiency ratio | 60.6683% | 3,751 |
| Assets per employee ($millions) | 4.7555% | 2,805 |
| Cash dividends to net income (ytd only)* | 16.5800% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 311 |
| Loan loss allowance to noncurrent loans | 2,139.7590% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 3,723 |
| Noncurrent loans to loans | 0.1045% | 4,266 |
| Net loans and leases to total assets | 60.4561% | 3,720 |
| Net loans and leases to deposits | 78.0025% | 3,166 |
| Net loans and leases to core deposits | 86.9417% | 2,847 |
| Total domestic deposits to total assets | 77.5053% | 4,561 |
| Equity capital to assets | 10.3147% | 3,360 |
| Core capital (leverage) ratio | 10.6370% | 2,901 |
| Tier 1 risk-based capital ratio | 14.4925% | 3,064 |
| Total risk-based capital ratio | 15.7497% | 2,979 |
| Memoranda: | ||
| Average total assets | $126,391,200 | 3,692 |
| Average earning assets | $119,737,200 | 3,649 |
| Average equity | $12,680,000 | 3,932 |
| Average total loans | $77,554,200 | 3,715 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,848 |
| Cost of funding earning assets | 0.7662% | 1,501 |
| Net interest margin | 3.2626% | 4,373 |
| Noninterest income to average assets | 0.5264% | 2,707 |
| Noninterest expense to average assets | 2.2029% | 4,318 |
| Loan and lease loss provision to assets | 0.1430% | 1,391 |
| Net operating income to assets | 1.2053% | 2,220 |
| Return on assets (ROA) | 1.2053% | 2,220 |
| Pretax return on assets | 1.2699% | 2,729 |
| Return on Equity (ROE) | 12.1006% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.4524% | 779 |
| Net charge-offs to loans | 0.0017% | 3,434 |
| Credit loss provision to net charge-offs | 13,500.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,337.3083% | 56 |
| Efficiency ratio | 60.9256% | 3,667 |
| Assets per employee ($millions) | 4.1632% | 3,625 |
| Cash dividends to net income (ytd only)* | 13.6202% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1593% | 387 |
| Loan loss allowance to noncurrent loans | 495.9885% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 2,923 |
| Noncurrent loans to loans | 0.4353% | 3,096 |
| Net loans and leases to total assets | 62.8002% | 3,563 |
| Net loans and leases to deposits | 81.9267% | 2,826 |
| Net loans and leases to core deposits | 91.7165% | 2,507 |
| Total domestic deposits to total assets | 76.6542% | 4,696 |
| Equity capital to assets | 10.1565% | 3,487 |
| Core capital (leverage) ratio | 10.6804% | 2,903 |
| Tier 1 risk-based capital ratio | 14.1298% | 3,303 |
| Total risk-based capital ratio | 15.3865% | 3,215 |
| Memoranda: | ||
| Average total assets | $125,889,250 | 3,731 |
| Average earning assets | $119,207,500 | 3,692 |
| Average equity | $12,539,000 | 3,982 |
| Average total loans | $77,092,500 | 3,756 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 3,837 |
| Cost of funding earning assets | 0.7220% | 1,510 |
| Net interest margin | 3.2583% | 4,364 |
| Noninterest income to average assets | 0.5007% | 2,863 |
| Noninterest expense to average assets | 2.1391% | 4,510 |
| Loan and lease loss provision to assets | 0.1426% | 1,359 |
| Net operating income to assets | 1.2343% | 2,039 |
| Return on assets (ROA) | 1.2343% | 2,035 |
| Pretax return on assets | 1.3009% | 2,510 |
| Return on Equity (ROE) | 12.4736% | 1,553 |
| Retained earnings to average equity (ytd only) | 10.4721% | 797 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7081% | 3,972 |
| Assets per employee ($millions) | 4.1380% | 3,666 |
| Cash dividends to net income (ytd only)* | 16.0462% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 390 |
| Loan loss allowance to noncurrent loans | 1,984.7059% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,855 |
| Noncurrent loans to loans | 0.1096% | 4,419 |
| Net loans and leases to total assets | 61.1165% | 3,695 |
| Net loans and leases to deposits | 75.0608% | 3,433 |
| Net loans and leases to core deposits | 84.4605% | 3,044 |
| Total domestic deposits to total assets | 81.4226% | 3,886 |
| Equity capital to assets | 10.1273% | 3,511 |
| Core capital (leverage) ratio | 10.3182% | 3,224 |
| Tier 1 risk-based capital ratio | 14.2824% | 3,213 |
| Total risk-based capital ratio | 15.5397% | 3,133 |
| Memoranda: | ||
| Average total assets | $126,220,330 | 3,756 |
| Average earning assets | $119,388,670 | 3,721 |
| Average equity | $12,490,330 | 4,010 |
| Average total loans | $76,068,000 | 3,805 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 3,930 |
| Cost of funding earning assets | 0.7202% | 1,339 |
| Net interest margin | 3.1778% | 4,535 |
| Noninterest income to average assets | 0.4840% | 2,905 |
| Noninterest expense to average assets | 2.1814% | 4,460 |
| Loan and lease loss provision to assets | 0.1414% | 1,334 |
| Net operating income to assets | 1.1001% | 2,419 |
| Return on assets (ROA) | 1.1001% | 2,433 |
| Pretax return on assets | 1.1567% | 2,949 |
| Return on Equity (ROE) | 11.2454% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.1209% | 1,125 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6920% | 3,675 |
| Assets per employee ($millions) | 4.2244% | 3,606 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 414 |
| Loan loss allowance to noncurrent loans | 1,887.3563% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,968 |
| Noncurrent loans to loans | 0.1147% | 4,452 |
| Net loans and leases to total assets | 58.5325% | 3,889 |
| Net loans and leases to deposits | 70.9748% | 3,702 |
| Net loans and leases to core deposits | 79.7634% | 3,343 |
| Total domestic deposits to total assets | 82.4694% | 3,824 |
| Equity capital to assets | 9.7275% | 3,860 |
| Core capital (leverage) ratio | 10.0196% | 3,511 |
| Tier 1 risk-based capital ratio | 14.3365% | 3,207 |
| Total risk-based capital ratio | 15.5938% | 3,115 |
| Memoranda: | ||
| Average total assets | $127,260,500 | 3,773 |
| Average earning assets | $119,959,000 | 3,748 |
| Average equity | $12,449,500 | 4,057 |
| Average total loans | $75,323,500 | 3,857 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 3,761 |
| Cost of funding earning assets | 0.6622% | 1,239 |
| Net interest margin | 3.2283% | 4,363 |
| Noninterest income to average assets | 0.4862% | 3,090 |
| Noninterest expense to average assets | 2.1380% | 4,680 |
| Loan and lease loss provision to assets | 0.1407% | 1,620 |
| Net operating income to assets | 1.2027% | 1,516 |
| Return on assets (ROA) | 1.2109% | 1,513 |
| Pretax return on assets | 1.2687% | 2,473 |
| Return on Equity (ROE) | 12.7007% | 1,025 |
| Retained earnings to average equity (ytd only) | 8.4125% | 641 |
| Net charge-offs to loans | 0.0783% | 2,328 |
| Credit loss provision to net charge-offs | 310.3448% | 917 |
| Earnings coverage of net charge-offs (x) | 30.8966% | 1,513 |
| Efficiency ratio | 60.4153% | 4,197 |
| Assets per employee ($millions) | 4.2596% | 3,562 |
| Cash dividends to net income (ytd only)* | 33.7637% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 419 |
| Loan loss allowance to noncurrent loans | 1,814.7727% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 4,009 |
| Noncurrent loans to loans | 0.1176% | 4,451 |
| Net loans and leases to total assets | 57.3043% | 4,079 |
| Net loans and leases to deposits | 69.4888% | 3,916 |
| Net loans and leases to core deposits | 80.1638% | 3,407 |
| Total domestic deposits to total assets | 82.4655% | 3,740 |
| Equity capital to assets | 9.8374% | 3,882 |
| Core capital (leverage) ratio | 9.7097% | 3,802 |
| Tier 1 risk-based capital ratio | 14.2212% | 3,239 |
| Total risk-based capital ratio | 15.4775% | 3,129 |
| Memoranda: | ||
| Average total assets | $127,923,600 | 3,777 |
| Average earning assets | $120,961,000 | 3,728 |
| Average equity | $12,196,200 | 4,111 |
| Average total loans | $74,109,200 | 3,865 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 3,928 |
| Cost of funding earning assets | 0.6357% | 1,328 |
| Net interest margin | 3.1873% | 4,483 |
| Noninterest income to average assets | 0.4689% | 3,222 |
| Noninterest expense to average assets | 2.1423% | 4,647 |
| Loan and lease loss provision to assets | 0.1407% | 1,505 |
| Net operating income to assets | 1.1561% | 1,856 |
| Return on assets (ROA) | 1.1670% | 1,857 |
| Pretax return on assets | 1.2222% | 2,814 |
| Return on Equity (ROE) | 12.3388% | 1,232 |
| Retained earnings to average equity (ytd only) | 8.1744% | 1,151 |
| Net charge-offs to loans | 0.0902% | 1,894 |
| Credit loss provision to net charge-offs | 270.0000% | 1,068 |
| Earnings coverage of net charge-offs (x) | 25.9381% | 1,705 |
| Efficiency ratio | 61.3182% | 3,995 |
| Assets per employee ($millions) | 4.2130% | 3,622 |
| Cash dividends to net income (ytd only)* | 33.7501% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 498 |
| Loan loss allowance to noncurrent loans | 1,471.6981% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 4,074 |
| Noncurrent loans to loans | 0.1408% | 4,492 |
| Net loans and leases to total assets | 58.3358% | 4,024 |
| Net loans and leases to deposits | 71.8994% | 3,786 |
| Net loans and leases to core deposits | 81.6555% | 3,313 |
| Total domestic deposits to total assets | 81.1352% | 4,012 |
| Equity capital to assets | 9.8869% | 4,041 |
| Core capital (leverage) ratio | 9.5929% | 4,043 |
| Tier 1 risk-based capital ratio | 13.8541% | 3,509 |
| Total risk-based capital ratio | 15.1099% | 3,436 |
| Memoranda: | ||
| Average total assets | $127,957,500 | 3,817 |
| Average earning assets | $121,437,500 | 3,761 |
| Average equity | $12,102,500 | 4,158 |
| Average total loans | $73,930,250 | 3,904 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 3,987 |
| Cost of funding earning assets | 0.6102% | 1,385 |
| Net interest margin | 3.1628% | 4,510 |
| Noninterest income to average assets | 0.4608% | 3,282 |
| Noninterest expense to average assets | 2.0921% | 4,785 |
| Loan and lease loss provision to assets | 0.1401% | 1,467 |
| Net operating income to assets | 1.1744% | 1,689 |
| Return on assets (ROA) | 1.1908% | 1,661 |
| Pretax return on assets | 1.2469% | 2,598 |
| Return on Equity (ROE) | 12.7805% | 1,094 |
| Retained earnings to average equity (ytd only) | 8.3032% | 1,055 |
| Net charge-offs to loans | 0.0082% | 3,165 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 293.3333% | 285 |
| Efficiency ratio | 60.4317% | 4,256 |
| Assets per employee ($millions) | 4.2275% | 3,567 |
| Cash dividends to net income (ytd only)* | 35.0327% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 512 |
| Loan loss allowance to noncurrent loans | 452.7536% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 4,009 |
| Noncurrent loans to loans | 0.4629% | 3,353 |
| Net loans and leases to total assets | 57.5333% | 4,079 |
| Net loans and leases to deposits | 69.9847% | 3,917 |
| Net loans and leases to core deposits | 78.2452% | 3,574 |
| Total domestic deposits to total assets | 82.2084% | 3,827 |
| Equity capital to assets | 9.6630% | 4,264 |
| Core capital (leverage) ratio | 9.2584% | 4,420 |
| Tier 1 risk-based capital ratio | 13.7685% | 3,556 |
| Total risk-based capital ratio | 15.0252% | 3,467 |
| Memoranda: | ||
| Average total assets | $128,480,330 | 3,837 |
| Average earning assets | $121,919,000 | 3,767 |
| Average equity | $11,971,330 | 4,189 |
| Average total loans | $73,477,000 | 3,936 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,039 |
| Cost of funding earning assets | 0.5915% | 1,433 |
| Net interest margin | 3.1307% | 4,562 |
| Noninterest income to average assets | 0.4795% | 3,121 |
| Noninterest expense to average assets | 2.2025% | 4,635 |
| Loan and lease loss provision to assets | 0.1392% | 1,364 |
| Net operating income to assets | 1.0442% | 2,098 |
| Return on assets (ROA) | 1.0765% | 2,006 |
| Pretax return on assets | 1.1353% | 2,839 |
| Return on Equity (ROE) | 11.7672% | 1,317 |
| Retained earnings to average equity (ytd only) | 11.7672% | 500 |
| Net charge-offs to loans | 0.0164% | 2,463 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 133.6667% | 410 |
| Efficiency ratio | 63.9712% | 3,841 |
| Assets per employee ($millions) | 4.1448% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 603 |
| Loan loss allowance to noncurrent loans | 597.2441% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 4,424 |
| Noncurrent loans to loans | 0.3442% | 3,869 |
| Net loans and leases to total assets | 56.2551% | 4,145 |
| Net loans and leases to deposits | 67.9850% | 3,988 |
| Net loans and leases to core deposits | 77.1771% | 3,542 |
| Total domestic deposits to total assets | 82.7462% | 3,931 |
| Equity capital to assets | 9.4024% | 4,388 |
| Core capital (leverage) ratio | 9.4556% | 4,168 |
| Tier 1 risk-based capital ratio | 13.9724% | 3,497 |
| Total risk-based capital ratio | 15.2287% | 3,406 |
| Memoranda: | ||
| Average total assets | $129,308,500 | 3,855 |
| Average earning assets | $122,401,500 | 3,803 |
| Average equity | $11,829,500 | 4,245 |
| Average total loans | $72,951,500 | 3,975 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,162 |
| Cost of funding earning assets | 0.5503% | 1,688 |
| Net interest margin | 3.1675% | 4,543 |
| Noninterest income to average assets | 0.4963% | 3,266 |
| Noninterest expense to average assets | 2.0610% | 5,077 |
| Loan and lease loss provision to assets | 0.1407% | 1,772 |
| Net operating income to assets | 1.2296% | 1,410 |
| Return on assets (ROA) | 1.2622% | 1,399 |
| Pretax return on assets | 1.3294% | 2,180 |
| Return on Equity (ROE) | 13.2347% | 941 |
| Retained earnings to average equity (ytd only) | 2.5158% | 4,086 |
| Net charge-offs to loans | 0.0072% | 4,014 |
| Credit loss provision to net charge-offs | 3,600.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 367.4000% | 221 |
| Efficiency ratio | 58.9405% | 4,730 |
| Assets per employee ($millions) | 4.1977% | 3,625 |
| Cash dividends to net income (ytd only)* | 80.9907% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0456% | 601 |
| Loan loss allowance to noncurrent loans | 622.3629% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 4,566 |
| Noncurrent loans to loans | 0.3287% | 3,964 |
| Net loans and leases to total assets | 54.2769% | 4,422 |
| Net loans and leases to deposits | 66.2919% | 4,221 |
| Net loans and leases to core deposits | 74.0900% | 3,916 |
| Total domestic deposits to total assets | 81.8757% | 4,107 |
| Equity capital to assets | 8.8973% | 4,915 |
| Core capital (leverage) ratio | 9.1327% | 4,579 |
| Tier 1 risk-based capital ratio | 13.7043% | 3,645 |
| Total risk-based capital ratio | 14.9591% | 3,545 |
| Memoranda: | ||
| Average total assets | $127,948,800 | 3,864 |
| Average earning assets | $121,200,400 | 3,807 |
| Average equity | $12,202,800 | 4,222 |
| Average total loans | $69,217,600 | 4,064 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,220 |
| Cost of funding earning assets | 0.5432% | 1,765 |
| Net interest margin | 3.1656% | 4,588 |
| Noninterest income to average assets | 0.4762% | 3,401 |
| Noninterest expense to average assets | 2.0585% | 5,093 |
| Loan and lease loss provision to assets | 0.1413% | 1,658 |
| Net operating income to assets | 1.2194% | 1,567 |
| Return on assets (ROA) | 1.2631% | 1,501 |
| Pretax return on assets | 1.3291% | 2,315 |
| Return on Equity (ROE) | 13.0212% | 1,051 |
| Retained earnings to average equity (ytd only) | 4.6065% | 3,075 |
| Net charge-offs to loans | 0.0097% | 3,585 |
| Credit loss provision to net charge-offs | 2,700.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 272.0570% | 296 |
| Efficiency ratio | 59.1046% | 4,675 |
| Assets per employee ($millions) | 4.2164% | 3,563 |
| Cash dividends to net income (ytd only)* | 64.6229% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 677 |
| Loan loss allowance to noncurrent loans | 605.9322% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 4,652 |
| Noncurrent loans to loans | 0.3370% | 4,050 |
| Net loans and leases to total assets | 54.2279% | 4,480 |
| Net loans and leases to deposits | 66.2846% | 4,314 |
| Net loans and leases to core deposits | 73.5277% | 4,038 |
| Total domestic deposits to total assets | 81.8107% | 3,999 |
| Equity capital to assets | 9.9927% | 4,127 |
| Core capital (leverage) ratio | 9.4170% | 4,304 |
| Tier 1 risk-based capital ratio | 14.3455% | 3,369 |
| Total risk-based capital ratio | 15.6008% | 3,302 |
| Memoranda: | ||
| Average total assets | $127,403,750 | 3,902 |
| Average earning assets | $121,007,250 | 3,832 |
| Average equity | $12,359,000 | 4,236 |
| Average total loans | $68,495,750 | 4,109 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 4,208 |
| Cost of funding earning assets | 0.5346% | 1,831 |
| Net interest margin | 3.1908% | 4,571 |
| Noninterest income to average assets | 0.4761% | 3,363 |
| Noninterest expense to average assets | 2.0343% | 5,200 |
| Loan and lease loss provision to assets | 0.1409% | 1,614 |
| Net operating income to assets | 1.2625% | 1,381 |
| Return on assets (ROA) | 1.2670% | 1,485 |
| Pretax return on assets | 1.3343% | 2,266 |
| Return on Equity (ROE) | 13.1917% | 982 |
| Retained earnings to average equity (ytd only) | 4.0602% | 3,320 |
| Net charge-offs to loans | 0.0147% | 3,239 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 187.8000% | 351 |
| Efficiency ratio | 58.0429% | 4,894 |
| Assets per employee ($millions) | 3.9208% | 4,059 |
| Cash dividends to net income (ytd only)* | 69.2213% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0537% | 669 |
| Loan loss allowance to noncurrent loans | 591.8803% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,702 |
| Noncurrent loans to loans | 0.3470% | 4,130 |
| Net loans and leases to total assets | 52.6486% | 4,620 |
| Net loans and leases to deposits | 63.2729% | 4,543 |
| Net loans and leases to core deposits | 68.7121% | 4,420 |
| Total domestic deposits to total assets | 83.2087% | 3,571 |
| Equity capital to assets | 10.1416% | 4,039 |
| Core capital (leverage) ratio | 9.1668% | 4,638 |
| Tier 1 risk-based capital ratio | 14.4407% | 3,352 |
| Total risk-based capital ratio | 15.6963% | 3,278 |
| Memoranda: | ||
| Average total assets | $127,707,670 | 3,924 |
| Average earning assets | $121,223,330 | 3,858 |
| Average equity | $12,265,330 | 4,273 |
| Average total loans | $67,986,330 | 4,150 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 4,136 |
| Cost of funding earning assets | 0.5507% | 1,704 |
| Net interest margin | 3.1995% | 4,581 |
| Noninterest income to average assets | 0.4782% | 3,279 |
| Noninterest expense to average assets | 2.1175% | 5,083 |
| Loan and lease loss provision to assets | 0.1397% | 1,505 |
| Net operating income to assets | 1.1892% | 1,592 |
| Return on assets (ROA) | 1.1892% | 1,689 |
| Pretax return on assets | 1.2513% | 2,494 |
| Return on Equity (ROE) | 12.7285% | 1,097 |
| Retained earnings to average equity (ytd only) | 11.8976% | 520 |
| Net charge-offs to loans | 0.0293% | 2,361 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 89.6000% | 582 |
| Efficiency ratio | 60.3540% | 4,698 |
| Assets per employee ($millions) | 4.3139% | 3,387 |
| Cash dividends to net income (ytd only)* | 6.5274% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 869 |
| Loan loss allowance to noncurrent loans | 572.6496% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 4,767 |
| Noncurrent loans to loans | 0.3431% | 4,209 |
| Net loans and leases to total assets | 51.6578% | 4,659 |
| Net loans and leases to deposits | 61.5893% | 4,608 |
| Net loans and leases to core deposits | 67.9576% | 4,404 |
| Total domestic deposits to total assets | 83.8746% | 3,568 |
| Equity capital to assets | 9.5358% | 4,638 |
| Core capital (leverage) ratio | 9.1764% | 4,626 |
| Tier 1 risk-based capital ratio | 14.3632% | 3,463 |
| Total risk-based capital ratio | 15.6176% | 3,392 |
| Memoranda: | ||
| Average total assets | $128,829,500 | 3,930 |
| Average earning assets | $122,019,000 | 3,872 |
| Average equity | $12,036,000 | 4,328 |
| Average total loans | $68,259,500 | 4,154 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,092 |
| Cost of funding earning assets | 0.5677% | 1,613 |
| Net interest margin | 3.2166% | 4,568 |
| Noninterest income to average assets | 0.4597% | 3,592 |
| Noninterest expense to average assets | 2.1380% | 5,177 |
| Loan and lease loss provision to assets | 0.1467% | 1,609 |
| Net operating income to assets | 1.1783% | 1,631 |
| Return on assets (ROA) | 1.1998% | 1,622 |
| Pretax return on assets | 1.2267% | 2,562 |
| Return on Equity (ROE) | 12.8797% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.5824% | 2,027 |
| Net charge-offs to loans | -0.0045% | 4,955 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2707% | 4,720 |
| Assets per employee ($millions) | 4.2747% | 3,443 |
| Cash dividends to net income (ytd only)* | 56.6576% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9012% | 954 |
| Loan loss allowance to noncurrent loans | 843.5065% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 5,044 |
| Noncurrent loans to loans | 0.2254% | 4,622 |
| Net loans and leases to total assets | 52.2652% | 4,671 |
| Net loans and leases to deposits | 62.0221% | 4,636 |
| Net loans and leases to core deposits | 68.7559% | 4,391 |
| Total domestic deposits to total assets | 84.2688% | 3,378 |
| Equity capital to assets | 9.1475% | 4,973 |
| Core capital (leverage) ratio | 9.0820% | 4,776 |
| Tier 1 risk-based capital ratio | 13.9028% | 3,768 |
| Total risk-based capital ratio | 15.1565% | 3,693 |
| Memoranda: | ||
| Average total assets | $122,685,200 | 4,030 |
| Average earning assets | $115,555,800 | 3,970 |
| Average equity | $11,428,800 | 4,400 |
| Average total loans | $66,956,200 | 4,170 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 4,251 |
| Cost of funding earning assets | 0.5505% | 1,802 |
| Net interest margin | 3.2027% | 4,662 |
| Noninterest income to average assets | 0.4760% | 3,528 |
| Noninterest expense to average assets | 2.1149% | 5,244 |
| Loan and lease loss provision to assets | 0.1484% | 1,472 |
| Net operating income to assets | 1.1806% | 1,716 |
| Return on assets (ROA) | 1.2080% | 1,689 |
| Pretax return on assets | 1.2597% | 2,558 |
| Return on Equity (ROE) | 12.9064% | 1,143 |
| Retained earnings to average equity (ytd only) | 4.8737% | 3,006 |
| Net charge-offs to loans | 0.0020% | 4,114 |
| Credit loss provision to net charge-offs | 13,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,258.1128% | 58 |
| Efficiency ratio | 60.5222% | 4,810 |
| Assets per employee ($millions) | 4.2432% | 3,437 |
| Cash dividends to net income (ytd only)* | 62.2384% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 1,151 |
| Loan loss allowance to noncurrent loans | 5,204.1667% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 5,633 |
| Noncurrent loans to loans | 0.0358% | 5,477 |
| Net loans and leases to total assets | 53.4903% | 4,619 |
| Net loans and leases to deposits | 65.3177% | 4,442 |
| Net loans and leases to core deposits | 71.9256% | 4,196 |
| Total domestic deposits to total assets | 81.8925% | 4,201 |
| Equity capital to assets | 9.3951% | 4,883 |
| Core capital (leverage) ratio | 9.0976% | 4,886 |
| Tier 1 risk-based capital ratio | 13.0852% | 4,385 |
| Total risk-based capital ratio | 14.3378% | 4,299 |
| Memoranda: | ||
| Average total assets | $121,296,000 | 4,094 |
| Average earning assets | $114,317,750 | 4,035 |
| Average equity | $11,353,250 | 4,469 |
| Average total loans | $66,614,000 | 4,219 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,373 |
| Cost of funding earning assets | 0.5456% | 1,861 |
| Net interest margin | 3.1662% | 4,764 |
| Noninterest income to average assets | 0.4523% | 3,686 |
| Noninterest expense to average assets | 2.1473% | 5,228 |
| Loan and lease loss provision to assets | 0.1491% | 1,431 |
| Net operating income to assets | 1.0901% | 1,984 |
| Return on assets (ROA) | 1.1283% | 1,923 |
| Pretax return on assets | 1.1764% | 2,876 |
| Return on Equity (ROE) | 12.0702% | 1,347 |
| Retained earnings to average equity (ytd only) | 2.5523% | 4,433 |
| Net charge-offs to loans | 0.0030% | 3,800 |
| Credit loss provision to net charge-offs | 9,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 776.0000% | 83 |
| Efficiency ratio | 62.5483% | 4,585 |
| Assets per employee ($millions) | 3.9982% | 3,892 |
| Cash dividends to net income (ytd only)* | 78.8546% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 1,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,814 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.2207% | 4,824 |
| Net loans and leases to deposits | 58.8282% | 4,939 |
| Net loans and leases to core deposits | 65.5403% | 4,691 |
| Total domestic deposits to total assets | 87.0684% | 2,131 |
| Equity capital to assets | 8.7628% | 5,469 |
| Core capital (leverage) ratio | 9.1207% | 4,792 |
| Tier 1 risk-based capital ratio | 13.6867% | 4,104 |
| Total risk-based capital ratio | 14.9391% | 4,038 |
| Memoranda: | ||
| Average total assets | $120,710,000 | 4,143 |
| Average earning assets | $113,638,330 | 4,084 |
| Average equity | $11,284,000 | 4,513 |
| Average total loans | $66,461,670 | 4,257 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,129 |
| Cost of funding earning assets | 0.5294% | 2,020 |
| Net interest margin | 3.2410% | 4,448 |
| Noninterest income to average assets | 0.4736% | 3,478 |
| Noninterest expense to average assets | 2.1361% | 5,311 |
| Loan and lease loss provision to assets | 0.1511% | 1,349 |
| Net operating income to assets | 1.1719% | 1,628 |
| Return on assets (ROA) | 1.2293% | 1,555 |
| Pretax return on assets | 1.2897% | 2,331 |
| Return on Equity (ROE) | 12.7354% | 1,151 |
| Retained earnings to average equity (ytd only) | 8.7339% | 1,294 |
| Net charge-offs to loans | 0.0059% | 3,123 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 131 |
| Efficiency ratio | 60.7450% | 4,997 |
| Assets per employee ($millions) | 3.7800% | 4,378 |
| Cash dividends to net income (ytd only)* | 31.4208% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 5,835 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 56.0169% | 4,199 |
| Net loans and leases to deposits | 66.2455% | 4,131 |
| Net loans and leases to core deposits | 73.7420% | 3,803 |
| Total domestic deposits to total assets | 84.5595% | 3,599 |
| Equity capital to assets | 9.9489% | 4,207 |
| Core capital (leverage) ratio | 9.3288% | 4,526 |
| Tier 1 risk-based capital ratio | 15.2613% | 3,288 |
| Total risk-based capital ratio | 16.5102% | 3,209 |
| Memoranda: | ||
| Average total assets | $119,093,000 | 4,198 |
| Average earning assets | $111,817,000 | 4,148 |
| Average equity | $11,495,500 | 4,508 |
| Average total loans | $67,348,000 | 4,257 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,533 |
| Cost of funding earning assets | 0.5680% | 2,064 |
| Net interest margin | 3.2181% | 4,861 |
| Noninterest income to average assets | 0.4931% | 3,563 |
| Noninterest expense to average assets | 2.0793% | 5,620 |
| Loan and lease loss provision to assets | 0.1479% | 1,779 |
| Net operating income to assets | 1.2286% | 1,502 |
| Return on assets (ROA) | 1.2582% | 1,465 |
| Pretax return on assets | 1.3240% | 2,164 |
| Return on Equity (ROE) | 15.0222% | 776 |
| Retained earnings to average equity (ytd only) | 10.3124% | 471 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0707% | 5,337 |
| Assets per employee ($millions) | 4.1727% | 3,590 |
| Cash dividends to net income (ytd only)* | 31.3521% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 1,947 |
| Loan loss allowance to noncurrent loans | 877.9528% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 5,504 |
| Noncurrent loans to loans | 0.1871% | 5,160 |
| Net loans and leases to total assets | 55.1877% | 4,423 |
| Net loans and leases to deposits | 65.2866% | 4,400 |
| Net loans and leases to core deposits | 72.7010% | 4,058 |
| Total domestic deposits to total assets | 84.5315% | 3,494 |
| Equity capital to assets | 9.3656% | 4,892 |
| Core capital (leverage) ratio | 8.9666% | 5,043 |
| Tier 1 risk-based capital ratio | 13.5923% | 4,352 |
| Total risk-based capital ratio | 14.8438% | 4,291 |
| Memoranda: | ||
| Average total assets | $121,678,000 | 4,147 |
| Average earning assets | $114,446,200 | 4,084 |
| Average equity | $10,191,600 | 4,713 |
| Average total loans | $63,432,400 | 4,383 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,780 |
| Cost of funding earning assets | 0.5612% | 2,184 |
| Net interest margin | 3.1667% | 5,072 |
| Noninterest income to average assets | 0.4946% | 3,582 |
| Noninterest expense to average assets | 2.0211% | 5,734 |
| Loan and lease loss provision to assets | 0.1477% | 1,695 |
| Net operating income to assets | 1.2491% | 1,530 |
| Return on assets (ROA) | 1.2595% | 1,554 |
| Pretax return on assets | 1.3251% | 2,288 |
| Return on Equity (ROE) | 15.4915% | 746 |
| Retained earnings to average equity (ytd only) | 12.2614% | 396 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0270% | 5,441 |
| Assets per employee ($millions) | 4.4690% | 3,025 |
| Cash dividends to net income (ytd only)* | 20.8513% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 2,169 |
| Loan loss allowance to noncurrent loans | 1,783.3333% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 5,915 |
| Noncurrent loans to loans | 0.0919% | 5,670 |
| Net loans and leases to total assets | 51.3038% | 4,870 |
| Net loans and leases to deposits | 61.4126% | 4,805 |
| Net loans and leases to core deposits | 68.2141% | 4,490 |
| Total domestic deposits to total assets | 83.5397% | 3,936 |
| Equity capital to assets | 8.7844% | 5,563 |
| Core capital (leverage) ratio | 8.8634% | 5,245 |
| Tier 1 risk-based capital ratio | 13.6252% | 4,461 |
| Total risk-based capital ratio | 14.8771% | 4,398 |
| Memoranda: | ||
| Average total assets | $121,845,750 | 4,183 |
| Average earning assets | $114,987,000 | 4,110 |
| Average equity | $9,906,250 | 4,807 |
| Average total loans | $62,316,500 | 4,451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,634 |
| Cost of funding earning assets | 0.5785% | 2,083 |
| Net interest margin | 3.1878% | 4,982 |
| Noninterest income to average assets | 0.4605% | 3,787 |
| Noninterest expense to average assets | 2.0356% | 5,762 |
| Loan and lease loss provision to assets | 0.1491% | 1,656 |
| Net operating income to assets | 1.2162% | 1,545 |
| Return on assets (ROA) | 1.2257% | 1,574 |
| Pretax return on assets | 1.2886% | 2,303 |
| Return on Equity (ROE) | 15.5066% | 711 |
| Retained earnings to average equity (ytd only) | 11.7347% | 453 |
| Net charge-offs to loans | -0.0033% | 5,108 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7757% | 5,462 |
| Assets per employee ($millions) | 4.2722% | 3,326 |
| Cash dividends to net income (ytd only)* | 24.3243% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 2,192 |
| Loan loss allowance to noncurrent loans | 4,663.6364% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,126 |
| Noncurrent loans to loans | 0.0360% | 5,953 |
| Net loans and leases to total assets | 50.2550% | 4,933 |
| Net loans and leases to deposits | 59.3141% | 4,924 |
| Net loans and leases to core deposits | 65.4744% | 4,685 |
| Total domestic deposits to total assets | 84.7269% | 3,626 |
| Equity capital to assets | 8.7726% | 5,544 |
| Core capital (leverage) ratio | 8.4329% | 5,714 |
| Tier 1 risk-based capital ratio | 13.9838% | 4,268 |
| Total risk-based capital ratio | 15.2361% | 4,208 |
| Memoranda: | ||
| Average total assets | $120,750,670 | 4,219 |
| Average earning assets | $113,745,000 | 4,152 |
| Average equity | $9,544,330 | 4,902 |
| Average total loans | $61,333,000 | 4,501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,638 |
| Cost of funding earning assets | 0.5762% | 2,188 |
| Net interest margin | 3.1830% | 4,977 |
| Noninterest income to average assets | 0.4682% | 3,648 |
| Noninterest expense to average assets | 1.9124% | 6,045 |
| Loan and lease loss provision to assets | 0.1484% | 1,640 |
| Net operating income to assets | 1.3247% | 1,152 |
| Return on assets (ROA) | 1.3090% | 1,235 |
| Pretax return on assets | 1.3782% | 1,824 |
| Return on Equity (ROE) | 17.5092% | 484 |
| Retained earnings to average equity (ytd only) | 14.8630% | 333 |
| Net charge-offs to loans | -0.0065% | 4,888 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3435% | 5,892 |
| Assets per employee ($millions) | 4.2112% | 3,505 |
| Cash dividends to net income (ytd only)* | 15.1134% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 2,678 |
| Loan loss allowance to noncurrent loans | 4,459.0909% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 6,197 |
| Noncurrent loans to loans | 0.0360% | 6,042 |
| Net loans and leases to total assets | 49.2368% | 4,974 |
| Net loans and leases to deposits | 57.4154% | 4,996 |
| Net loans and leases to core deposits | 63.7923% | 4,705 |
| Total domestic deposits to total assets | 85.7555% | 3,493 |
| Equity capital to assets | 7.9288% | 6,098 |
| Core capital (leverage) ratio | 8.3260% | 5,825 |
| Tier 1 risk-based capital ratio | 13.5295% | 4,664 |
| Total risk-based capital ratio | 14.7805% | 4,599 |
| Memoranda: | ||
| Average total assets | $121,315,000 | 4,248 |
| Average earning assets | $113,855,500 | 4,181 |
| Average equity | $9,069,500 | 5,032 |
| Average total loans | $61,428,500 | 4,534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8226% | 4,728 |
| Cost of funding earning assets | 0.6809% | 1,952 |
| Net interest margin | 3.1417% | 5,189 |
| Noninterest income to average assets | 0.4984% | 3,773 |
| Noninterest expense to average assets | 2.0760% | 5,880 |
| Loan and lease loss provision to assets | 0.1544% | 2,343 |
| Net operating income to assets | 1.1596% | 1,722 |
| Return on assets (ROA) | 1.1890% | 1,682 |
| Pretax return on assets | 1.2516% | 2,357 |
| Return on Equity (ROE) | 15.0842% | 746 |
| Retained earnings to average equity (ytd only) | 8.4237% | 928 |
| Net charge-offs to loans | -0.0051% | 5,934 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1541% | 5,446 |
| Assets per employee ($millions) | 4.3038% | 3,265 |
| Cash dividends to net income (ytd only)* | 44.1558% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,122 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 6,290 |
| Noncurrent loans to loans | 0.0356% | 6,144 |
| Net loans and leases to total assets | 50.4630% | 5,032 |
| Net loans and leases to deposits | 58.1378% | 5,109 |
| Net loans and leases to core deposits | 63.2947% | 4,940 |
| Total domestic deposits to total assets | 86.7990% | 2,831 |
| Equity capital to assets | 7.0171% | 6,454 |
| Core capital (leverage) ratio | 8.2070% | 5,967 |
| Tier 1 risk-based capital ratio | 12.8869% | 5,057 |
| Total risk-based capital ratio | 14.1332% | 5,004 |
| Memoranda: | ||
| Average total assets | $116,570,800 | 4,349 |
| Average earning assets | $109,559,800 | 4,275 |
| Average equity | $9,188,400 | 5,042 |
| Average total loans | $58,720,000 | 4,657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,921 |
| Cost of funding earning assets | 0.6970% | 1,974 |
| Net interest margin | 3.0856% | 5,359 |
| Noninterest income to average assets | 0.4787% | 3,941 |
| Noninterest expense to average assets | 2.0059% | 6,000 |
| Loan and lease loss provision to assets | 0.1557% | 2,312 |
| Net operating income to assets | 1.1617% | 1,767 |
| Return on assets (ROA) | 1.2089% | 1,678 |
| Pretax return on assets | 1.2723% | 2,442 |
| Return on Equity (ROE) | 14.9101% | 812 |
| Retained earnings to average equity (ytd only) | 8.3229% | 1,284 |
| Net charge-offs to loans | -0.0023% | 5,694 |
| Credit loss provision to net charge-offs | -13,500.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2706% | 5,528 |
| Assets per employee ($millions) | 4.1321% | 3,579 |
| Cash dividends to net income (ytd only)* | 44.1795% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,437 |
| Loan loss allowance to noncurrent loans | 3,415.3846% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,362 |
| Noncurrent loans to loans | 0.0440% | 6,213 |
| Net loans and leases to total assets | 50.2757% | 5,110 |
| Net loans and leases to deposits | 57.3970% | 5,241 |
| Net loans and leases to core deposits | 62.6524% | 5,048 |
| Total domestic deposits to total assets | 87.5929% | 2,363 |
| Equity capital to assets | 7.4875% | 6,400 |
| Core capital (leverage) ratio | 8.3473% | 5,920 |
| Tier 1 risk-based capital ratio | 13.0467% | 5,088 |
| Total risk-based capital ratio | 14.2688% | 5,062 |
| Memoranda: | ||
| Average total assets | $115,587,000 | 4,420 |
| Average earning assets | $108,848,000 | 4,334 |
| Average equity | $9,371,500 | 5,062 |
| Average total loans | $57,963,500 | 4,732 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 5,060 |
| Cost of funding earning assets | 0.7053% | 2,030 |
| Net interest margin | 3.0233% | 5,510 |
| Noninterest income to average assets | 0.4760% | 3,986 |
| Noninterest expense to average assets | 2.0147% | 6,021 |
| Loan and lease loss provision to assets | 0.1558% | 2,368 |
| Net operating income to assets | 1.0989% | 1,931 |
| Return on assets (ROA) | 1.1943% | 1,718 |
| Pretax return on assets | 1.2549% | 2,466 |
| Return on Equity (ROE) | 14.3635% | 934 |
| Retained earnings to average equity (ytd only) | 6.6822% | 2,048 |
| Net charge-offs to loans | -0.0035% | 5,585 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5934% | 5,390 |
| Assets per employee ($millions) | 4.1172% | 3,542 |
| Cash dividends to net income (ytd only)* | 53.4783% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,725 |
| Loan loss allowance to noncurrent loans | 409.7087% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 5,810 |
| Noncurrent loans to loans | 0.3586% | 5,382 |
| Net loans and leases to total assets | 49.1022% | 5,213 |
| Net loans and leases to deposits | 55.6516% | 5,374 |
| Net loans and leases to core deposits | 60.0728% | 5,258 |
| Total domestic deposits to total assets | 88.2315% | 2,092 |
| Equity capital to assets | 7.5311% | 6,430 |
| Core capital (leverage) ratio | 8.0425% | 6,153 |
| Tier 1 risk-based capital ratio | 12.9797% | 5,158 |
| Total risk-based capital ratio | 14.1684% | 5,145 |
| Memoranda: | ||
| Average total assets | $115,549,330 | 4,449 |
| Average earning assets | $108,888,670 | 4,364 |
| Average equity | $9,607,670 | 5,034 |
| Average total loans | $57,599,000 | 4,762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 4,832 |
| Cost of funding earning assets | 0.7028% | 2,180 |
| Net interest margin | 3.0944% | 5,279 |
| Noninterest income to average assets | 0.4806% | 3,918 |
| Noninterest expense to average assets | 1.9882% | 6,127 |
| Loan and lease loss provision to assets | 0.1556% | 2,311 |
| Net operating income to assets | 1.1860% | 1,566 |
| Return on assets (ROA) | 1.3174% | 1,339 |
| Pretax return on assets | 1.3831% | 1,914 |
| Return on Equity (ROE) | 15.1333% | 737 |
| Retained earnings to average equity (ytd only) | 6.3949% | 2,460 |
| Net charge-offs to loans | -0.0069% | 5,339 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6735% | 5,759 |
| Assets per employee ($millions) | 4.2638% | 3,400 |
| Cash dividends to net income (ytd only)* | 57.7428% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,232 |
| Loan loss allowance to noncurrent loans | 3,069.2308% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 6,378 |
| Noncurrent loans to loans | 0.0456% | 6,346 |
| Net loans and leases to total assets | 48.8325% | 5,135 |
| Net loans and leases to deposits | 56.0953% | 5,227 |
| Net loans and leases to core deposits | 61.1387% | 5,038 |
| Total domestic deposits to total assets | 87.0529% | 2,930 |
| Equity capital to assets | 8.6743% | 5,836 |
| Core capital (leverage) ratio | 7.8687% | 6,244 |
| Tier 1 risk-based capital ratio | 13.0330% | 5,192 |
| Total risk-based capital ratio | 14.1817% | 5,226 |
| Memoranda: | ||
| Average total assets | $115,683,000 | 4,491 |
| Average earning assets | $108,713,500 | 4,402 |
| Average equity | $10,070,500 | 4,969 |
| Average total loans | $57,673,500 | 4,788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 4,437 |
| Cost of funding earning assets | 0.8572% | 2,243 |
| Net interest margin | 3.3826% | 4,949 |
| Noninterest income to average assets | 0.5169% | 3,791 |
| Noninterest expense to average assets | 2.1287% | 6,066 |
| Loan and lease loss provision to assets | 0.1695% | 3,504 |
| Net operating income to assets | 1.3184% | 1,259 |
| Return on assets (ROA) | 1.4687% | 1,085 |
| Pretax return on assets | 1.5459% | 1,536 |
| Return on Equity (ROE) | 16.3907% | 605 |
| Retained earnings to average equity (ytd only) | 9.7924% | 632 |
| Net charge-offs to loans | -0.0542% | 6,720 |
| Credit loss provision to net charge-offs | -620.6897% | 6,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7522% | 5,867 |
| Assets per employee ($millions) | 4.3053% | 3,345 |
| Cash dividends to net income (ytd only)* | 40.2564% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 4,679 |
| Loan loss allowance to noncurrent loans | 2,896.1538% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 6,425 |
| Noncurrent loans to loans | 0.0446% | 6,395 |
| Net loans and leases to total assets | 49.5329% | 5,231 |
| Net loans and leases to deposits | 56.9097% | 5,346 |
| Net loans and leases to core deposits | 62.6369% | 5,093 |
| Total domestic deposits to total assets | 87.0376% | 2,829 |
| Equity capital to assets | 8.7359% | 5,811 |
| Core capital (leverage) ratio | 7.9494% | 6,240 |
| Tier 1 risk-based capital ratio | 12.8678% | 5,202 |
| Total risk-based capital ratio | 13.9573% | 5,260 |
| Memoranda: | ||
| Average total assets | $106,216,600 | 4,672 |
| Average earning assets | $99,507,800 | 4,604 |
| Average equity | $9,517,600 | 5,103 |
| Average total loans | $53,536,600 | 4,961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 4,638 |
| Cost of funding earning assets | 0.8867% | 2,256 |
| Net interest margin | 3.3659% | 5,159 |
| Noninterest income to average assets | 0.5310% | 3,740 |
| Noninterest expense to average assets | 2.0878% | 6,191 |
| Loan and lease loss provision to assets | 0.1736% | 3,395 |
| Net operating income to assets | 1.3573% | 1,314 |
| Return on assets (ROA) | 1.5466% | 1,056 |
| Pretax return on assets | 1.6263% | 1,487 |
| Return on Equity (ROE) | 17.1395% | 592 |
| Retained earnings to average equity (ytd only) | 9.9162% | 939 |
| Net charge-offs to loans | -0.1197% | 6,896 |
| Credit loss provision to net charge-offs | -287.2340% | 6,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6051% | 5,978 |
| Assets per employee ($millions) | 3.9586% | 3,957 |
| Cash dividends to net income (ytd only)* | 42.1444% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,780 |
| Loan loss allowance to noncurrent loans | 6,058.3333% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,428 |
| Noncurrent loans to loans | 0.0216% | 6,588 |
| Net loans and leases to total assets | 51.3393% | 5,135 |
| Net loans and leases to deposits | 59.9541% | 5,211 |
| Net loans and leases to core deposits | 65.4809% | 5,001 |
| Total domestic deposits to total assets | 85.6310% | 3,450 |
| Equity capital to assets | 9.3822% | 5,362 |
| Core capital (leverage) ratio | 8.0975% | 6,230 |
| Tier 1 risk-based capital ratio | 13.7838% | 4,698 |
| Total risk-based capital ratio | 14.9412% | 4,711 |
| Memoranda: | ||
| Average total assets | $103,709,750 | 4,781 |
| Average earning assets | $97,287,250 | 4,708 |
| Average equity | $9,358,250 | 5,187 |
| Average total loans | $52,337,750 | 5,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 4,790 |
| Cost of funding earning assets | 0.9201% | 2,260 |
| Net interest margin | 3.3232% | 5,379 |
| Noninterest income to average assets | 0.5260% | 3,746 |
| Noninterest expense to average assets | 2.1178% | 6,201 |
| Loan and lease loss provision to assets | 0.1753% | 3,348 |
| Net operating income to assets | 1.2833% | 1,484 |
| Return on assets (ROA) | 1.5665% | 996 |
| Pretax return on assets | 1.6483% | 1,408 |
| Return on Equity (ROE) | 17.6026% | 558 |
| Retained earnings to average equity (ytd only) | 7.9475% | 1,656 |
| Net charge-offs to loans | -0.1600% | 6,961 |
| Credit loss provision to net charge-offs | -219.5122% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1283% | 5,853 |
| Assets per employee ($millions) | 3.4980% | 4,990 |
| Cash dividends to net income (ytd only)* | 54.8507% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,958 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 6,515 |
| Noncurrent loans to loans | 0.0476% | 6,560 |
| Net loans and leases to total assets | 49.4340% | 5,429 |
| Net loans and leases to deposits | 57.2564% | 5,530 |
| Net loans and leases to core deposits | 61.6515% | 5,423 |
| Total domestic deposits to total assets | 86.3379% | 3,171 |
| Equity capital to assets | 8.9651% | 5,733 |
| Core capital (leverage) ratio | 7.9653% | 6,310 |
| Tier 1 risk-based capital ratio | 13.5377% | 4,793 |
| Total risk-based capital ratio | 14.6353% | 4,872 |
| Memoranda: | ||
| Average total assets | $102,652,000 | 4,837 |
| Average earning assets | $96,293,330 | 4,753 |
| Average equity | $9,135,000 | 5,231 |
| Average total loans | $51,250,330 | 5,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 4,778 |
| Cost of funding earning assets | 0.9577% | 2,249 |
| Net interest margin | 3.3329% | 5,358 |
| Noninterest income to average assets | 0.5517% | 3,556 |
| Noninterest expense to average assets | 2.0373% | 6,395 |
| Loan and lease loss provision to assets | 0.1773% | 3,196 |
| Net operating income to assets | 1.3812% | 1,255 |
| Return on assets (ROA) | 1.7181% | 777 |
| Pretax return on assets | 1.8048% | 1,058 |
| Return on Equity (ROE) | 19.3810% | 421 |
| Retained earnings to average equity (ytd only) | 5.3787% | 3,324 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5914% | 6,168 |
| Assets per employee ($millions) | 3.4081% | 5,328 |
| Cash dividends to net income (ytd only)* | 72.2477% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,463 |
| Loan loss allowance to noncurrent loans | 775.0000% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 6,474 |
| Noncurrent loans to loans | 0.1553% | 6,370 |
| Net loans and leases to total assets | 47.2913% | 5,645 |
| Net loans and leases to deposits | 54.8663% | 5,718 |
| Net loans and leases to core deposits | 58.5517% | 5,669 |
| Total domestic deposits to total assets | 86.1937% | 3,415 |
| Equity capital to assets | 8.7820% | 5,768 |
| Core capital (leverage) ratio | 7.9378% | 6,306 |
| Tier 1 risk-based capital ratio | 14.0379% | 4,444 |
| Total risk-based capital ratio | 15.0608% | 4,578 |
| Memoranda: | ||
| Average total assets | $101,508,000 | 4,900 |
| Average earning assets | $94,812,000 | 4,823 |
| Average equity | $8,998,500 | 5,283 |
| Average total loans | $50,600,000 | 5,201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 4,096 |
| Cost of funding earning assets | 1.2555% | 1,699 |
| Net interest margin | 3.4804% | 5,219 |
| Noninterest income to average assets | 0.5486% | 3,519 |
| Noninterest expense to average assets | 2.4382% | 5,666 |
| Loan and lease loss provision to assets | 0.2779% | 3,442 |
| Net operating income to assets | 1.0060% | 2,175 |
| Return on assets (ROA) | 1.3287% | 1,269 |
| Pretax return on assets | 1.4018% | 1,788 |
| Return on Equity (ROE) | 16.4258% | 550 |
| Retained earnings to average equity (ytd only) | 14.8099% | 144 |
| Net charge-offs to loans | 0.4190% | 3,335 |
| Credit loss provision to net charge-offs | 133.6634% | 2,266 |
| Earnings coverage of net charge-offs (x) | 6.4455% | 2,517 |
| Efficiency ratio | 64.5328% | 5,034 |
| Assets per employee ($millions) | 3.3591% | 5,347 |
| Cash dividends to net income (ytd only)* | 9.8373% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 6,031 |
| Loan loss allowance to noncurrent loans | 528.1553% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 6,469 |
| Noncurrent loans to loans | 0.1971% | 6,352 |
| Net loans and leases to total assets | 51.3183% | 5,419 |
| Net loans and leases to deposits | 59.7040% | 5,522 |
| Net loans and leases to core deposits | 63.5991% | 5,510 |
| Total domestic deposits to total assets | 85.9546% | 3,347 |
| Equity capital to assets | 8.9488% | 5,608 |
| Core capital (leverage) ratio | 8.0495% | 6,205 |
| Tier 1 risk-based capital ratio | 13.1928% | 4,922 |
| Total risk-based capital ratio | 14.0942% | 5,178 |
| Memoranda: | ||
| Average total assets | $97,162,200 | 4,975 |
| Average earning assets | $90,161,000 | 4,932 |
| Average equity | $7,859,600 | 5,612 |
| Average total loans | $48,212,600 | 5,337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 4,188 |
| Cost of funding earning assets | 1.3092% | 1,652 |
| Net interest margin | 3.4510% | 5,389 |
| Noninterest income to average assets | 0.5346% | 3,621 |
| Noninterest expense to average assets | 2.4115% | 5,735 |
| Loan and lease loss provision to assets | 0.3116% | 3,034 |
| Net operating income to assets | 0.9567% | 2,501 |
| Return on assets (ROA) | 1.2646% | 1,580 |
| Pretax return on assets | 1.3339% | 2,174 |
| Return on Equity (ROE) | 16.0806% | 672 |
| Retained earnings to average equity (ytd only) | 14.9005% | 237 |
| Net charge-offs to loans | 0.3361% | 3,412 |
| Credit loss provision to net charge-offs | 189.0756% | 1,543 |
| Earnings coverage of net charge-offs (x) | 8.0170% | 2,256 |
| Efficiency ratio | 64.6011% | 4,966 |
| Assets per employee ($millions) | 3.2259% | 5,619 |
| Cash dividends to net income (ytd only)* | 7.3384% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,806 |
| Loan loss allowance to noncurrent loans | 155.2000% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 5,975 |
| Noncurrent loans to loans | 0.7226% | 5,428 |
| Net loans and leases to total assets | 53.0209% | 5,319 |
| Net loans and leases to deposits | 61.6249% | 5,450 |
| Net loans and leases to core deposits | 65.7568% | 5,439 |
| Total domestic deposits to total assets | 86.0380% | 3,199 |
| Equity capital to assets | 8.6415% | 6,154 |
| Core capital (leverage) ratio | 7.8959% | 6,487 |
| Tier 1 risk-based capital ratio | 12.6640% | 5,352 |
| Total risk-based capital ratio | 13.6284% | 5,585 |
| Memoranda: | ||
| Average total assets | $96,259,500 | 5,030 |
| Average earning assets | $89,209,250 | 4,981 |
| Average equity | $7,570,000 | 5,730 |
| Average total loans | $47,201,000 | 5,416 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 4,297 |
| Cost of funding earning assets | 1.3523% | 1,637 |
| Net interest margin | 3.3987% | 5,563 |
| Noninterest income to average assets | 0.5870% | 3,213 |
| Noninterest expense to average assets | 2.4728% | 5,631 |
| Loan and lease loss provision to assets | 0.3747% | 2,550 |
| Net operating income to assets | 0.8307% | 2,942 |
| Return on assets (ROA) | 1.1115% | 1,926 |
| Pretax return on assets | 1.1739% | 2,579 |
| Return on Equity (ROE) | 14.6188% | 870 |
| Retained earnings to average equity (ytd only) | 12.8393% | 405 |
| Net charge-offs to loans | -0.0614% | 7,064 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3687% | 4,809 |
| Assets per employee ($millions) | 3.3732% | 5,272 |
| Cash dividends to net income (ytd only)* | 12.1723% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,442 |
| Loan loss allowance to noncurrent loans | 207.7640% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 5,981 |
| Noncurrent loans to loans | 0.6884% | 5,529 |
| Net loans and leases to total assets | 47.1300% | 6,138 |
| Net loans and leases to deposits | 54.9282% | 6,234 |
| Net loans and leases to core deposits | 58.4735% | 6,236 |
| Total domestic deposits to total assets | 85.8029% | 3,440 |
| Equity capital to assets | 8.2302% | 6,491 |
| Core capital (leverage) ratio | 7.4655% | 6,766 |
| Tier 1 risk-based capital ratio | 13.0701% | 4,862 |
| Total risk-based capital ratio | 14.2731% | 4,880 |
| Memoranda: | ||
| Average total assets | $96,087,000 | 5,071 |
| Average earning assets | $88,740,670 | 5,032 |
| Average equity | $7,305,670 | 5,835 |
| Average total loans | $45,636,670 | 5,534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 4,802 |
| Cost of funding earning assets | 1.3656% | 1,802 |
| Net interest margin | 3.2692% | 5,880 |
| Noninterest income to average assets | 0.6343% | 2,933 |
| Noninterest expense to average assets | 2.4281% | 5,799 |
| Loan and lease loss provision to assets | 0.4411% | 1,999 |
| Net operating income to assets | 0.7606% | 3,219 |
| Return on assets (ROA) | 0.9242% | 2,521 |
| Pretax return on assets | 0.9746% | 3,231 |
| Return on Equity (ROE) | 12.6929% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.6929% | 639 |
| Net charge-offs to loans | 0.0355% | 4,603 |
| Credit loss provision to net charge-offs | 2,625.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 417 |
| Efficiency ratio | 66.1327% | 5,014 |
| Assets per employee ($millions) | 3.2234% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 5,135 |
| Loan loss allowance to noncurrent loans | 178.6378% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,773 |
| Noncurrent loans to loans | 0.7274% | 5,554 |
| Net loans and leases to total assets | 45.3196% | 6,348 |
| Net loans and leases to deposits | 51.3492% | 6,526 |
| Net loans and leases to core deposits | 53.6105% | 6,581 |
| Total domestic deposits to total assets | 88.2577% | 2,219 |
| Equity capital to assets | 7.5665% | 6,833 |
| Core capital (leverage) ratio | 7.2425% | 6,898 |
| Tier 1 risk-based capital ratio | 12.6592% | 5,106 |
| Total risk-based capital ratio | 13.7000% | 5,287 |
| Memoranda: | ||
| Average total assets | $95,219,000 | 5,129 |
| Average earning assets | $88,462,000 | 5,075 |
| Average equity | $6,933,000 | 5,947 |
| Average total loans | $45,068,500 | 5,605 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 4,131 |
| Cost of funding earning assets | 1.5316% | 2,471 |
| Net interest margin | 3.5585% | 5,004 |
| Noninterest income to average assets | 0.6705% | 3,016 |
| Noninterest expense to average assets | 3.0190% | 3,775 |
| Loan and lease loss provision to assets | 0.4677% | 3,328 |
| Net operating income to assets | 0.4341% | 4,393 |
| Return on assets (ROA) | 0.4384% | 4,528 |
| Pretax return on assets | 0.4665% | 4,740 |
| Return on Equity (ROE) | 5.6211% | 3,776 |
| Retained earnings to average equity (ytd only) | 3.5692% | 3,359 |
| Net charge-offs to loans | 0.9147% | 2,355 |
| Credit loss provision to net charge-offs | 101.4670% | 4,471 |
| Earnings coverage of net charge-offs (x) | 2.0171% | 4,221 |
| Efficiency ratio | 76.4555% | 2,974 |
| Assets per employee ($millions) | 3.1245% | 5,833 |
| Cash dividends to net income (ytd only)* | 36.5039% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 6,199 |
| Loan loss allowance to noncurrent loans | 145.2599% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 5,763 |
| Noncurrent loans to loans | 0.7150% | 5,618 |
| Net loans and leases to total assets | 48.2845% | 6,362 |
| Net loans and leases to deposits | 54.4940% | 6,569 |
| Net loans and leases to core deposits | 54.7551% | 6,767 |
| Total domestic deposits to total assets | 88.6052% | 1,888 |
| Equity capital to assets | 6.9866% | 7,116 |
| Core capital (leverage) ratio | 7.4062% | 6,781 |
| Tier 1 risk-based capital ratio | 12.3812% | 5,133 |
| Total risk-based capital ratio | 13.2463% | 5,459 |
| Memoranda: | ||
| Average total assets | $88,736,800 | 5,328 |
| Average earning assets | $81,747,000 | 5,284 |
| Average equity | $6,920,400 | 6,058 |
| Average total loans | $44,716,400 | 5,714 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 4,214 |
| Cost of funding earning assets | 1.5511% | 2,671 |
| Net interest margin | 3.5701% | 5,019 |
| Noninterest income to average assets | 0.6751% | 2,981 |
| Noninterest expense to average assets | 3.1471% | 3,121 |
| Loan and lease loss provision to assets | 0.4724% | 3,114 |
| Net operating income to assets | 0.3250% | 5,071 |
| Return on assets (ROA) | 0.3307% | 5,215 |
| Pretax return on assets | 0.3521% | 5,361 |
| Return on Equity (ROE) | 4.1255% | 4,712 |
| Retained earnings to average equity (ytd only) | 2.1293% | 4,903 |
| Net charge-offs to loans | 1.0765% | 1,882 |
| Credit loss provision to net charge-offs | 86.3510% | 4,911 |
| Earnings coverage of net charge-offs (x) | 1.4958% | 4,609 |
| Efficiency ratio | 79.3620% | 2,442 |
| Assets per employee ($millions) | 2.9542% | 6,262 |
| Cash dividends to net income (ytd only)* | 48.3877% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 6,679 |
| Loan loss allowance to noncurrent loans | 78.2528% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 5,577 |
| Noncurrent loans to loans | 1.1753% | 4,898 |
| Net loans and leases to total assets | 51.1740% | 6,201 |
| Net loans and leases to deposits | 58.6590% | 6,414 |
| Net loans and leases to core deposits | 58.9610% | 6,670 |
| Total domestic deposits to total assets | 87.2398% | 2,403 |
| Equity capital to assets | 8.2210% | 6,591 |
| Core capital (leverage) ratio | 7.6128% | 6,754 |
| Tier 1 risk-based capital ratio | 11.8308% | 5,607 |
| Total risk-based capital ratio | 12.5783% | 6,071 |
| Memoranda: | ||
| Average total assets | $87,487,000 | 5,426 |
| Average earning assets | $80,630,250 | 5,379 |
| Average equity | $7,013,250 | 6,107 |
| Average total loans | $44,461,750 | 5,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 4,230 |
| Cost of funding earning assets | 1.5775% | 2,788 |
| Net interest margin | 3.5651% | 4,969 |
| Noninterest income to average assets | 0.6658% | 2,925 |
| Noninterest expense to average assets | 2.6358% | 5,188 |
| Loan and lease loss provision to assets | 0.4133% | 3,252 |
| Net operating income to assets | 0.8431% | 2,759 |
| Return on assets (ROA) | 0.8518% | 2,874 |
| Pretax return on assets | 0.9000% | 3,489 |
| Return on Equity (ROE) | 10.7189% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.2053% | 1,374 |
| Net charge-offs to loans | 0.8768% | 2,079 |
| Credit loss provision to net charge-offs | 93.2642% | 4,321 |
| Earnings coverage of net charge-offs (x) | 2.9430% | 3,523 |
| Efficiency ratio | 66.8998% | 4,787 |
| Assets per employee ($millions) | 2.8869% | 6,381 |
| Cash dividends to net income (ytd only)* | 23.4501% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,266 |
| Loan loss allowance to noncurrent loans | 61.5074% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 5,024 |
| Noncurrent loans to loans | 1.6756% | 4,176 |
| Net loans and leases to total assets | 50.6720% | 6,357 |
| Net loans and leases to deposits | 58.1536% | 6,566 |
| Net loans and leases to core deposits | 58.4603% | 6,800 |
| Total domestic deposits to total assets | 87.1348% | 2,464 |
| Equity capital to assets | 8.3308% | 6,384 |
| Core capital (leverage) ratio | 7.8851% | 6,399 |
| Tier 1 risk-based capital ratio | 13.3563% | 4,164 |
| Total risk-based capital ratio | 14.2494% | 4,400 |
| Memoranda: | ||
| Average total assets | $87,107,000 | 5,480 |
| Average earning assets | $79,998,000 | 5,441 |
| Average equity | $6,922,330 | 6,168 |
| Average total loans | $44,024,000 | 5,865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 4,657 |
| Cost of funding earning assets | 1.5825% | 3,059 |
| Net interest margin | 3.4916% | 5,197 |
| Noninterest income to average assets | 0.6365% | 3,027 |
| Noninterest expense to average assets | 2.6191% | 5,272 |
| Loan and lease loss provision to assets | 0.3434% | 3,321 |
| Net operating income to assets | 0.8105% | 2,915 |
| Return on assets (ROA) | 0.8105% | 3,012 |
| Pretax return on assets | 0.8563% | 3,640 |
| Return on Equity (ROE) | 10.4486% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.4486% | 1,056 |
| Net charge-offs to loans | 0.6566% | 2,181 |
| Credit loss provision to net charge-offs | 104.1667% | 3,287 |
| Earnings coverage of net charge-offs (x) | 3.6389% | 2,841 |
| Efficiency ratio | 68.5851% | 4,609 |
| Assets per employee ($millions) | 2.8684% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 6,101 |
| Loan loss allowance to noncurrent loans | 70.8709% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 5,197 |
| Noncurrent loans to loans | 1.5250% | 4,463 |
| Net loans and leases to total assets | 50.2005% | 6,444 |
| Net loans and leases to deposits | 57.3898% | 6,665 |
| Net loans and leases to core deposits | 57.6933% | 6,898 |
| Total domestic deposits to total assets | 87.4728% | 2,370 |
| Equity capital to assets | 8.0241% | 6,627 |
| Core capital (leverage) ratio | 7.8570% | 6,427 |
| Tier 1 risk-based capital ratio | 12.0036% | 5,192 |
| Total risk-based capital ratio | 12.8457% | 5,554 |
| Memoranda: | ||
| Average total assets | $87,357,500 | 5,538 |
| Average earning assets | $79,620,000 | 5,522 |
| Average equity | $6,776,000 | 6,266 |
| Average total loans | $43,865,000 | 5,941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 5,009 |
| Cost of funding earning assets | 1.7651% | 4,175 |
| Net interest margin | 3.5685% | 4,660 |
| Noninterest income to average assets | 0.6755% | 3,113 |
| Noninterest expense to average assets | 2.7777% | 5,061 |
| Loan and lease loss provision to assets | 0.2163% | 5,625 |
| Net operating income to assets | 0.8889% | 2,217 |
| Return on assets (ROA) | 0.9015% | 2,240 |
| Pretax return on assets | 0.9507% | 2,757 |
| Return on Equity (ROE) | 11.4591% | 1,306 |
| Retained earnings to average equity (ytd only) | 8.3117% | 625 |
| Net charge-offs to loans | 0.7064% | 3,069 |
| Credit loss provision to net charge-offs | 59.6026% | 6,644 |
| Earnings coverage of net charge-offs (x) | 3.1788% | 3,466 |
| Efficiency ratio | 70.6512% | 4,500 |
| Assets per employee ($millions) | 2.9554% | 6,333 |
| Cash dividends to net income (ytd only)* | 27.4667% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 6,069 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 5,049 |
| Noncurrent loans to loans | 1.6728% | 4,142 |
| Net loans and leases to total assets | 49.1642% | 6,711 |
| Net loans and leases to deposits | 56.4835% | 6,893 |
| Net loans and leases to core deposits | 64.9947% | 7,033 |
| Total domestic deposits to total assets | 87.0418% | 2,480 |
| Equity capital to assets | 7.4970% | 7,039 |
| Core capital (leverage) ratio | 7.8944% | 6,329 |
| Tier 1 risk-based capital ratio | 11.6215% | 5,274 |
| Total risk-based capital ratio | 12.4554% | 5,666 |
| Memoranda: | ||
| Average total assets | $83,198,600 | 5,622 |
| Average earning assets | $75,914,400 | 5,605 |
| Average equity | $6,545,000 | 6,408 |
| Average total loans | $42,751,200 | 5,990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 5,127 |
| Cost of funding earning assets | 1.8178% | 4,300 |
| Net interest margin | 3.5434% | 4,692 |
| Noninterest income to average assets | 0.6436% | 3,391 |
| Noninterest expense to average assets | 2.7845% | 4,952 |
| Loan and lease loss provision to assets | 0.1874% | 5,499 |
| Net operating income to assets | 0.8808% | 2,495 |
| Return on assets (ROA) | 0.8994% | 2,494 |
| Pretax return on assets | 0.9466% | 3,069 |
| Return on Equity (ROE) | 11.2889% | 1,549 |
| Retained earnings to average equity (ytd only) | 8.5895% | 949 |
| Net charge-offs to loans | 0.6757% | 2,665 |
| Credit loss provision to net charge-offs | 53.4884% | 6,262 |
| Earnings coverage of net charge-offs (x) | 3.1814% | 3,650 |
| Efficiency ratio | 71.4166% | 4,343 |
| Assets per employee ($millions) | 2.8670% | 6,492 |
| Cash dividends to net income (ytd only)* | 23.9137% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,432 |
| Loan loss allowance to noncurrent loans | 51.4675% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 4,566 |
| Noncurrent loans to loans | 2.2283% | 3,346 |
| Net loans and leases to total assets | 52.7200% | 6,533 |
| Net loans and leases to deposits | 62.3055% | 6,644 |
| Net loans and leases to core deposits | 72.2682% | 6,829 |
| Total domestic deposits to total assets | 84.6154% | 3,425 |
| Equity capital to assets | 8.5282% | 6,217 |
| Core capital (leverage) ratio | 7.8814% | 6,524 |
| Tier 1 risk-based capital ratio | 12.0326% | 4,944 |
| Total risk-based capital ratio | 12.9520% | 5,190 |
| Memoranda: | ||
| Average total assets | $81,832,750 | 5,698 |
| Average earning assets | $75,179,000 | 5,664 |
| Average equity | $6,519,500 | 6,476 |
| Average total loans | $42,424,250 | 6,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 5,632 |
| Cost of funding earning assets | 1.8657% | 4,440 |
| Net interest margin | 3.4398% | 5,029 |
| Noninterest income to average assets | 0.5999% | 3,696 |
| Noninterest expense to average assets | 2.7225% | 5,296 |
| Loan and lease loss provision to assets | 0.1700% | 5,366 |
| Net operating income to assets | 0.8173% | 2,789 |
| Return on assets (ROA) | 0.8427% | 2,785 |
| Pretax return on assets | 0.8864% | 3,386 |
| Return on Equity (ROE) | 10.8257% | 1,749 |
| Retained earnings to average equity (ytd only) | 7.5811% | 1,359 |
| Net charge-offs to loans | 0.0898% | 5,293 |
| Credit loss provision to net charge-offs | 368.4211% | 1,266 |
| Earnings coverage of net charge-offs (x) | 22.3158% | 1,229 |
| Efficiency ratio | 72.5566% | 4,291 |
| Assets per employee ($millions) | 2.9483% | 6,270 |
| Cash dividends to net income (ytd only)* | 29.9712% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,054 |
| Loan loss allowance to noncurrent loans | 55.6808% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.4633% | 4,045 |
| Noncurrent loans to loans | 2.7410% | 2,629 |
| Net loans and leases to total assets | 50.1787% | 6,857 |
| Net loans and leases to deposits | 58.1563% | 7,012 |
| Net loans and leases to core deposits | 68.1344% | 7,110 |
| Total domestic deposits to total assets | 86.2824% | 2,635 |
| Equity capital to assets | 7.7952% | 6,988 |
| Core capital (leverage) ratio | 7.5041% | 7,006 |
| Tier 1 risk-based capital ratio | 11.7283% | 5,166 |
| Total risk-based capital ratio | 12.9330% | 5,144 |
| Memoranda: | ||
| Average total assets | $82,352,000 | 5,720 |
| Average earning assets | $75,469,670 | 5,694 |
| Average equity | $6,410,670 | 6,569 |
| Average total loans | $42,295,000 | 6,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 5,639 |
| Cost of funding earning assets | 1.9007% | 4,625 |
| Net interest margin | 3.4535% | 4,929 |
| Noninterest income to average assets | 0.7051% | 2,859 |
| Noninterest expense to average assets | 2.7330% | 4,858 |
| Loan and lease loss provision to assets | 0.1459% | 5,073 |
| Net operating income to assets | 0.9094% | 2,662 |
| Return on assets (ROA) | 0.9094% | 2,809 |
| Pretax return on assets | 0.9629% | 3,487 |
| Return on Equity (ROE) | 11.6902% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.9398% | 1,211 |
| Net charge-offs to loans | -0.0472% | 7,680 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1392% | 4,338 |
| Assets per employee ($millions) | 2.8486% | 6,534 |
| Cash dividends to net income (ytd only)* | 14.9733% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 2,982 |
| Loan loss allowance to noncurrent loans | 189.9696% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 6,041 |
| Noncurrent loans to loans | 0.7902% | 5,464 |
| Net loans and leases to total assets | 51.4186% | 6,740 |
| Net loans and leases to deposits | 60.3118% | 6,867 |
| Net loans and leases to core deposits | 69.7281% | 7,035 |
| Total domestic deposits to total assets | 85.2547% | 3,085 |
| Equity capital to assets | 8.0315% | 6,761 |
| Core capital (leverage) ratio | 7.6448% | 6,965 |
| Tier 1 risk-based capital ratio | 12.0079% | 4,959 |
| Total risk-based capital ratio | 13.2253% | 4,875 |
| Memoranda: | ||
| Average total assets | $82,252,500 | 5,734 |
| Average earning assets | $74,707,500 | 5,743 |
| Average equity | $6,398,500 | 6,614 |
| Average total loans | $42,410,000 | 6,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8654% | 6,205 |
| Cost of funding earning assets | 2.5947% | 3,712 |
| Net interest margin | 3.2707% | 6,136 |
| Noninterest income to average assets | 0.7718% | 2,660 |
| Noninterest expense to average assets | 2.6252% | 5,555 |
| Loan and lease loss provision to assets | 0.0918% | 6,223 |
| Net operating income to assets | 0.9465% | 2,804 |
| Return on assets (ROA) | 0.9465% | 2,663 |
| Pretax return on assets | 0.9988% | 3,388 |
| Return on Equity (ROE) | 12.5452% | 1,434 |
| Retained earnings to average equity (ytd only) | 9.7048% | 494 |
| Net charge-offs to loans | 0.0678% | 5,798 |
| Credit loss provision to net charge-offs | 257.1429% | 1,803 |
| Earnings coverage of net charge-offs (x) | 30.5357% | 1,158 |
| Efficiency ratio | 70.6488% | 4,212 |
| Assets per employee ($millions) | 3.1387% | 5,658 |
| Cash dividends to net income (ytd only)* | 22.6415% | 4,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,368 |
| Loan loss allowance to noncurrent loans | 245.2282% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 5,344 |
| Noncurrent loans to loans | 0.5581% | 5,691 |
| Net loans and leases to total assets | 50.2596% | 7,008 |
| Net loans and leases to deposits | 58.4967% | 7,179 |
| Net loans and leases to core deposits | 67.5602% | 7,307 |
| Total domestic deposits to total assets | 85.9188% | 2,438 |
| Equity capital to assets | 7.5415% | 7,351 |
| Core capital (leverage) ratio | 7.3857% | 7,320 |
| Tier 1 risk-based capital ratio | 11.1418% | 5,606 |
| Total risk-based capital ratio | 12.2382% | 5,637 |
| Memoranda: | ||
| Average total assets | $78,393,000 | 5,755 |
| Average earning assets | $70,565,800 | 5,799 |
| Average equity | $5,914,600 | 6,839 |
| Average total loans | $41,269,200 | 6,108 |