Home > Security Savings Bank > Performance and Condition Ratios
Security Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 3,535 |
| Cost of funding earning assets | 1.7652% | 1,309 |
| Net interest margin | 2.4805% | 4,108 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1246% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3056% | 4,020 |
| Return on assets (ROA) | 0.3132% | 4,006 |
| Pretax return on assets | 0.3299% | 4,062 |
| Return on Equity (ROE) | 3.2700% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.3437% | 3,750 |
| Net charge-offs to loans | -0.0014% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.8436% | 523 |
| Assets per employee ($millions) | 7.2551% | 1,897 |
| Cash dividends to net income (ytd only)* | 58.9217% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 1,859 |
| Loan loss allowance to noncurrent loans | 118,900.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,857 |
| Noncurrent loans to loans | 0.0011% | 3,796 |
| Net loans and leases to total assets | 73.0900% | 1,464 |
| Net loans and leases to deposits | 82.0269% | 1,944 |
| Net loans and leases to core deposits | 86.7593% | 2,257 |
| Total domestic deposits to total assets | 89.1000% | 1,036 |
| Equity capital to assets | 9.7818% | 2,136 |
| Core capital (leverage) ratio | 9.3080% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7043% | 1,980 |
| Memoranda: | ||
| Average total assets | $497,410,200 | 1,734 |
| Average earning assets | $464,020,000 | 1,723 |
| Average equity | $47,630,200 | 1,663 |
| Average total loans | $352,048,800 | 1,605 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,619 |
| Cost of funding earning assets | 1.5830% | 1,405 |
| Net interest margin | 2.5405% | 4,101 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.1183% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3508% | 4,047 |
| Return on assets (ROA) | 0.3565% | 4,042 |
| Pretax return on assets | 0.3837% | 4,083 |
| Return on Equity (ROE) | 3.7400% | 4,015 |
| Retained earnings to average equity (ytd only) | 1.5702% | 3,824 |
| Net charge-offs to loans | -0.0012% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.8752% | 568 |
| Assets per employee ($millions) | 6.8993% | 2,038 |
| Cash dividends to net income (ytd only)* | 58.0572% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 1,752 |
| Loan loss allowance to noncurrent loans | 17,611.1111% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,809 |
| Noncurrent loans to loans | 0.0075% | 3,752 |
| Net loans and leases to total assets | 72.1500% | 1,558 |
| Net loans and leases to deposits | 80.2390% | 2,025 |
| Net loans and leases to core deposits | 85.1967% | 2,241 |
| Total domestic deposits to total assets | 89.9200% | 960 |
| Equity capital to assets | 9.6140% | 2,033 |
| Core capital (leverage) ratio | 9.5863% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0840% | 1,866 |
| Memoranda: | ||
| Average total assets | $496,612,000 | 1,736 |
| Average earning assets | $464,157,500 | 1,729 |
| Average equity | $47,295,750 | 1,663 |
| Average total loans | $347,404,250 | 1,620 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,669 |
| Cost of funding earning assets | 1.4023% | 1,441 |
| Net interest margin | 2.6065% | 4,105 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.1124% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4165% | 3,976 |
| Return on assets (ROA) | 0.4226% | 3,967 |
| Pretax return on assets | 0.4490% | 4,044 |
| Return on Equity (ROE) | 4.4500% | 3,959 |
| Retained earnings to average equity (ytd only) | 2.3267% | 3,642 |
| Net charge-offs to loans | -0.0017% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.6769% | 670 |
| Assets per employee ($millions) | 6.8917% | 2,010 |
| Cash dividends to net income (ytd only)* | 47.7230% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,651 |
| Loan loss allowance to noncurrent loans | 95,100.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,360 |
| Noncurrent loans to loans | 0.0014% | 3,831 |
| Net loans and leases to total assets | 70.1100% | 1,730 |
| Net loans and leases to deposits | 78.9076% | 2,053 |
| Net loans and leases to core deposits | 82.6083% | 2,289 |
| Total domestic deposits to total assets | 88.8500% | 1,305 |
| Equity capital to assets | 9.7511% | 2,000 |
| Core capital (leverage) ratio | 9.3338% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4308% | 1,748 |
| Memoranda: | ||
| Average total assets | $498,867,000 | 1,729 |
| Average earning assets | $466,219,333 | 1,722 |
| Average equity | $47,363,000 | 1,667 |
| Average total loans | $343,805,000 | 1,621 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,785 |
| Cost of funding earning assets | 1.1910% | 1,478 |
| Net interest margin | 2.6465% | 4,152 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.0673% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5094% | 3,873 |
| Return on assets (ROA) | 0.5170% | 3,817 |
| Pretax return on assets | 0.5385% | 3,935 |
| Return on Equity (ROE) | 5.5200% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.4076% | 3,409 |
| Net charge-offs to loans | -0.0012% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5781% | 864 |
| Assets per employee ($millions) | 7.2026% | 1,819 |
| Cash dividends to net income (ytd only)* | 38.2488% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 1,633 |
| Loan loss allowance to noncurrent loans | 95,060.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,186 |
| Noncurrent loans to loans | 0.0015% | 3,864 |
| Net loans and leases to total assets | 66.5200% | 2,008 |
| Net loans and leases to deposits | 73.7385% | 2,313 |
| Net loans and leases to core deposits | 75.9143% | 2,534 |
| Total domestic deposits to total assets | 90.2100% | 1,085 |
| Equity capital to assets | 9.4986% | 2,145 |
| Core capital (leverage) ratio | 9.3073% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7516% | 1,702 |
| Memoranda: | ||
| Average total assets | $503,646,000 | 1,733 |
| Average earning assets | $470,200,000 | 1,727 |
| Average equity | $47,188,000 | 1,682 |
| Average total loans | $341,797,500 | 1,646 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2538% | 3,701 |
| Cost of funding earning assets | 0.5220% | 1,256 |
| Net interest margin | 2.7318% | 4,011 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.1049% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7418% | 3,507 |
| Return on assets (ROA) | 0.7358% | 3,460 |
| Pretax return on assets | 0.7820% | 3,667 |
| Return on Equity (ROE) | 8.0800% | 3,373 |
| Retained earnings to average equity (ytd only) | 6.3563% | 2,510 |
| Net charge-offs to loans | -0.0041% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.7522% | 1,355 |
| Assets per employee ($millions) | 7.1873% | 1,833 |
| Cash dividends to net income (ytd only)* | 21.3150% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,559 |
| Loan loss allowance to noncurrent loans | 79,183.3333% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,194 |
| Noncurrent loans to loans | 0.0017% | 3,884 |
| Net loans and leases to total assets | 67.3200% | 1,902 |
| Net loans and leases to deposits | 75.9738% | 2,099 |
| Net loans and leases to core deposits | 77.5194% | 2,316 |
| Total domestic deposits to total assets | 88.6100% | 1,841 |
| Equity capital to assets | 9.2397% | 2,200 |
| Core capital (leverage) ratio | 9.0032% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4092% | 1,816 |
| Memoranda: | ||
| Average total assets | $504,346,400 | 1,710 |
| Average earning assets | $467,206,200 | 1,709 |
| Average equity | $45,938,400 | 1,730 |
| Average total loans | $316,571,400 | 1,652 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 3,711 |
| Cost of funding earning assets | 0.4663% | 900 |
| Net interest margin | 2.6185% | 4,072 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1281% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6896% | 3,593 |
| Return on assets (ROA) | 0.6864% | 3,560 |
| Pretax return on assets | 0.7302% | 3,739 |
| Return on Equity (ROE) | 7.5600% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,885 |
| Net charge-offs to loans | -0.0043% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3630% | 1,239 |
| Assets per employee ($millions) | 7.0068% | 1,936 |
| Cash dividends to net income (ytd only)* | 25.7891% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,322 |
| Loan loss allowance to noncurrent loans | 2,218.6916% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,839 |
| Noncurrent loans to loans | 0.0671% | 3,398 |
| Net loans and leases to total assets | 63.1600% | 2,175 |
| Net loans and leases to deposits | 69.6707% | 2,393 |
| Net loans and leases to core deposits | 70.9571% | 2,569 |
| Total domestic deposits to total assets | 90.6600% | 1,382 |
| Equity capital to assets | 8.9002% | 2,284 |
| Core capital (leverage) ratio | 9.0013% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9614% | 1,723 |
| Memoranda: | ||
| Average total assets | $504,654,750 | 1,714 |
| Average earning assets | $466,966,000 | 1,717 |
| Average equity | $45,801,500 | 1,756 |
| Average total loans | $309,851,250 | 1,672 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9172% | 3,744 |
| Cost of funding earning assets | 0.4861% | 567 |
| Net interest margin | 2.4311% | 4,187 |
| Noninterest income to average assets | 0.5763% | 1,842 |
| Noninterest expense to average assets | 2.0787% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6934% | 3,327 |
| Return on assets (ROA) | 0.6887% | 3,300 |
| Pretax return on assets | 0.7471% | 3,457 |
| Return on Equity (ROE) | 7.5405% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.6273% | 2,460 |
| Net charge-offs to loans | -0.0033% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4290% | 1,578 |
| Assets per employee ($millions) | 7.1195% | 1,866 |
| Cash dividends to net income (ytd only)* | 25.3723% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,260 |
| Loan loss allowance to noncurrent loans | 2,166.2100% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,947 |
| Noncurrent loans to loans | 0.0718% | 3,438 |
| Net loans and leases to total assets | 57.7564% | 2,556 |
| Net loans and leases to deposits | 63.4417% | 2,774 |
| Net loans and leases to core deposits | 64.6804% | 2,917 |
| Total domestic deposits to total assets | 91.0385% | 1,219 |
| Equity capital to assets | 8.7410% | 2,581 |
| Core capital (leverage) ratio | 8.5292% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1861% | 1,660 |
| Memoranda: | ||
| Average total assets | $507,044,667 | 1,715 |
| Average earning assets | $470,248,333 | 1,723 |
| Average equity | $46,309,667 | 1,787 |
| Average total loans | $306,807,333 | 1,686 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8158% | 3,719 |
| Cost of funding earning assets | 0.5486% | 379 |
| Net interest margin | 2.2673% | 4,279 |
| Noninterest income to average assets | 0.5768% | 1,796 |
| Noninterest expense to average assets | 2.0715% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5531% | 3,547 |
| Return on assets (ROA) | 0.5488% | 3,538 |
| Pretax return on assets | 0.6071% | 3,611 |
| Return on Equity (ROE) | 5.8781% | 3,378 |
| Retained earnings to average equity (ytd only) | 3.8588% | 2,989 |
| Net charge-offs to loans | -0.0039% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1956% | 1,385 |
| Assets per employee ($millions) | 6.9354% | 2,033 |
| Cash dividends to net income (ytd only)* | 34.3523% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,369 |
| Loan loss allowance to noncurrent loans | 2,116.9643% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 3,031 |
| Noncurrent loans to loans | 0.0738% | 3,479 |
| Net loans and leases to total assets | 58.1805% | 2,280 |
| Net loans and leases to deposits | 64.0578% | 2,526 |
| Net loans and leases to core deposits | 65.6564% | 2,662 |
| Total domestic deposits to total assets | 90.8249% | 1,126 |
| Equity capital to assets | 8.8540% | 2,832 |
| Core capital (leverage) ratio | 8.8724% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1809% | 1,728 |
| Memoranda: | ||
| Average total assets | $500,705,000 | 1,728 |
| Average earning assets | $465,224,000 | 1,740 |
| Average equity | $46,750,000 | 1,826 |
| Average total loans | $307,752,000 | 1,670 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 3,462 |
| Cost of funding earning assets | 0.6533% | 413 |
| Net interest margin | 2.5500% | 4,122 |
| Noninterest income to average assets | 0.3246% | 3,462 |
| Noninterest expense to average assets | 2.1539% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5062% | 4,072 |
| Return on assets (ROA) | 0.5116% | 4,111 |
| Pretax return on assets | 0.5444% | 4,186 |
| Return on Equity (ROE) | 5.2440% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.7806% | 3,732 |
| Net charge-offs to loans | -0.2520% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9939% | 806 |
| Assets per employee ($millions) | 6.8760% | 2,013 |
| Cash dividends to net income (ytd only)* | 46.9764% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,493 |
| Loan loss allowance to noncurrent loans | 2,069.4323% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 3,101 |
| Noncurrent loans to loans | 0.0734% | 3,567 |
| Net loans and leases to total assets | 62.9733% | 1,829 |
| Net loans and leases to deposits | 70.7708% | 2,042 |
| Net loans and leases to core deposits | 72.4771% | 2,212 |
| Total domestic deposits to total assets | 88.9820% | 1,526 |
| Equity capital to assets | 9.8445% | 2,810 |
| Core capital (leverage) ratio | 8.7260% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6950% | 1,976 |
| Memoranda: | ||
| Average total assets | $488,052,800 | 1,724 |
| Average earning assets | $453,215,000 | 1,731 |
| Average equity | $47,616,000 | 1,834 |
| Average total loans | $299,610,200 | 1,706 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 3,481 |
| Cost of funding earning assets | 0.6557% | 486 |
| Net interest margin | 2.6058% | 4,122 |
| Noninterest income to average assets | 0.3519% | 3,347 |
| Noninterest expense to average assets | 2.1709% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5824% | 4,036 |
| Return on assets (ROA) | 0.5879% | 4,071 |
| Pretax return on assets | 0.6046% | 4,225 |
| Return on Equity (ROE) | 6.0399% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.5757% | 3,723 |
| Net charge-offs to loans | -0.3382% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3784% | 847 |
| Assets per employee ($millions) | 6.8135% | 2,008 |
| Cash dividends to net income (ytd only)* | 40.7993% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,304 |
| Loan loss allowance to noncurrent loans | 458.9147% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 1,739 |
| Noncurrent loans to loans | 0.3517% | 2,516 |
| Net loans and leases to total assets | 58.8455% | 2,389 |
| Net loans and leases to deposits | 67.6880% | 2,465 |
| Net loans and leases to core deposits | 69.7069% | 2,623 |
| Total domestic deposits to total assets | 86.9363% | 2,376 |
| Equity capital to assets | 9.8142% | 3,089 |
| Core capital (leverage) ratio | 8.9430% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5331% | 1,785 |
| Memoranda: | ||
| Average total assets | $488,017,750 | 1,746 |
| Average earning assets | $452,831,250 | 1,751 |
| Average equity | $47,505,000 | 1,861 |
| Average total loans | $296,470,250 | 1,753 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1748% | 3,718 |
| Cost of funding earning assets | 0.6918% | 484 |
| Net interest margin | 2.4830% | 4,330 |
| Noninterest income to average assets | 0.2792% | 3,744 |
| Noninterest expense to average assets | 2.1541% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4213% | 4,343 |
| Return on assets (ROA) | 0.4278% | 4,377 |
| Pretax return on assets | 0.4348% | 4,469 |
| Return on Equity (ROE) | 4.4067% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.9285% | 4,129 |
| Net charge-offs to loans | -0.3919% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4181% | 587 |
| Assets per employee ($millions) | 7.1350% | 1,699 |
| Cash dividends to net income (ytd only)* | 56.2380% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,368 |
| Loan loss allowance to noncurrent loans | 193.1078% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 1,208 |
| Noncurrent loans to loans | 0.8111% | 1,514 |
| Net loans and leases to total assets | 56.6597% | 2,824 |
| Net loans and leases to deposits | 64.9881% | 2,901 |
| Net loans and leases to core deposits | 67.3624% | 3,005 |
| Total domestic deposits to total assets | 87.1848% | 2,225 |
| Equity capital to assets | 9.3611% | 3,459 |
| Core capital (leverage) ratio | 8.4215% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5877% | 1,773 |
| Memoranda: | ||
| Average total assets | $487,166,000 | 1,744 |
| Average earning assets | $451,867,000 | 1,752 |
| Average equity | $47,291,333 | 1,858 |
| Average total loans | $297,488,333 | 1,759 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 3,642 |
| Cost of funding earning assets | 0.7227% | 507 |
| Net interest margin | 2.4998% | 4,298 |
| Noninterest income to average assets | 0.2924% | 3,660 |
| Noninterest expense to average assets | 2.1472% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4549% | 4,259 |
| Return on assets (ROA) | 0.4692% | 4,274 |
| Pretax return on assets | 0.4633% | 4,405 |
| Return on Equity (ROE) | 4.7431% | 4,140 |
| Retained earnings to average equity (ytd only) | 2.2615% | 3,959 |
| Net charge-offs to loans | -0.6417% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7041% | 660 |
| Assets per employee ($millions) | 7.1664% | 1,673 |
| Cash dividends to net income (ytd only)* | 52.3214% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,611 |
| Loan loss allowance to noncurrent loans | 149.1316% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 509 |
| Noncurrent loans to loans | 1.0052% | 1,333 |
| Net loans and leases to total assets | 60.2057% | 2,523 |
| Net loans and leases to deposits | 69.9690% | 2,509 |
| Net loans and leases to core deposits | 72.7886% | 2,632 |
| Total domestic deposits to total assets | 86.0462% | 2,721 |
| Equity capital to assets | 9.6744% | 3,036 |
| Core capital (leverage) ratio | 9.1032% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4052% | 1,770 |
| Memoranda: | ||
| Average total assets | $477,457,000 | 1,758 |
| Average earning assets | $440,036,000 | 1,780 |
| Average equity | $47,226,000 | 1,851 |
| Average total loans | $300,434,500 | 1,746 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 2,675 |
| Cost of funding earning assets | 1.0362% | 517 |
| Net interest margin | 2.9805% | 3,934 |
| Noninterest income to average assets | 0.2516% | 3,981 |
| Noninterest expense to average assets | 2.3020% | 3,395 |
| Loan and lease loss provision to assets | 0.1092% | 2,980 |
| Net operating income to assets | 0.5707% | 3,842 |
| Return on assets (ROA) | 0.5781% | 3,925 |
| Pretax return on assets | 0.5990% | 4,082 |
| Return on Equity (ROE) | 5.5500% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.2008% | 3,225 |
| Net charge-offs to loans | 0.2396% | 727 |
| Credit loss provision to net charge-offs | 63.5538% | 3,074 |
| Earnings coverage of net charge-offs (x) | 4.0778% | 3,031 |
| Efficiency ratio | 76.6662% | 1,156 |
| Assets per employee ($millions) | 6.7768% | 1,724 |
| Cash dividends to net income (ytd only)* | 42.3285% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,343 |
| Loan loss allowance to noncurrent loans | 79.8356% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2241% | 696 |
| Noncurrent loans to loans | 1.6465% | 799 |
| Net loans and leases to total assets | 63.9500% | 2,372 |
| Net loans and leases to deposits | 74.5240% | 2,436 |
| Net loans and leases to core deposits | 78.0078% | 2,550 |
| Total domestic deposits to total assets | 85.8113% | 2,452 |
| Equity capital to assets | 10.1170% | 3,012 |
| Core capital (leverage) ratio | 9.0594% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7475% | 1,954 |
| Memoranda: | ||
| Average total assets | $448,733,000 | 1,706 |
| Average earning assets | $414,188,000 | 1,721 |
| Average equity | $46,738,800 | 1,795 |
| Average total loans | $321,730,400 | 1,602 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,575 |
| Cost of funding earning assets | 1.1040% | 531 |
| Net interest margin | 3.0299% | 3,905 |
| Noninterest income to average assets | 0.2651% | 3,878 |
| Noninterest expense to average assets | 2.2957% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7477% | 3,293 |
| Return on assets (ROA) | 0.7576% | 3,369 |
| Pretax return on assets | 0.7834% | 3,689 |
| Return on Equity (ROE) | 7.2192% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.8357% | 2,637 |
| Net charge-offs to loans | 0.0098% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 107.2917% | 755 |
| Efficiency ratio | 74.8043% | 1,324 |
| Assets per employee ($millions) | 6.6738% | 1,692 |
| Cash dividends to net income (ytd only)* | 33.0163% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,062 |
| Loan loss allowance to noncurrent loans | 132.3346% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 1,628 |
| Noncurrent loans to loans | 1.0013% | 1,493 |
| Net loans and leases to total assets | 70.6151% | 1,866 |
| Net loans and leases to deposits | 82.8995% | 2,029 |
| Net loans and leases to core deposits | 87.4564% | 2,193 |
| Total domestic deposits to total assets | 85.1815% | 2,367 |
| Equity capital to assets | 10.6143% | 2,695 |
| Core capital (leverage) ratio | 9.6539% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4967% | 2,004 |
| Memoranda: | ||
| Average total assets | $444,016,750 | 1,696 |
| Average earning assets | $410,868,250 | 1,708 |
| Average equity | $46,596,750 | 1,789 |
| Average total loans | $326,410,000 | 1,587 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 2,698 |
| Cost of funding earning assets | 1.1715% | 563 |
| Net interest margin | 3.0471% | 4,026 |
| Noninterest income to average assets | 0.2677% | 3,873 |
| Noninterest expense to average assets | 2.3207% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7441% | 3,230 |
| Return on assets (ROA) | 0.7590% | 3,299 |
| Pretax return on assets | 0.7820% | 3,640 |
| Return on Equity (ROE) | 7.2600% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.6793% | 2,201 |
| Net charge-offs to loans | 0.0164% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 62.8889% | 935 |
| Efficiency ratio | 75.1682% | 1,350 |
| Assets per employee ($millions) | 6.7267% | 1,607 |
| Cash dividends to net income (ytd only)* | 21.7728% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,135 |
| Loan loss allowance to noncurrent loans | 149.1901% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 1,904 |
| Noncurrent loans to loans | 0.8538% | 1,782 |
| Net loans and leases to total assets | 72.8664% | 1,576 |
| Net loans and leases to deposits | 85.5332% | 1,824 |
| Net loans and leases to core deposits | 91.0296% | 1,986 |
| Total domestic deposits to total assets | 85.1908% | 2,314 |
| Equity capital to assets | 10.4411% | 2,798 |
| Core capital (leverage) ratio | 9.3432% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0076% | 2,178 |
| Memoranda: | ||
| Average total assets | $442,974,333 | 1,674 |
| Average earning assets | $409,893,000 | 1,676 |
| Average equity | $46,308,667 | 1,786 |
| Average total loans | $328,549,667 | 1,561 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 2,689 |
| Cost of funding earning assets | 1.3065% | 555 |
| Net interest margin | 3.0735% | 4,152 |
| Noninterest income to average assets | 0.2778% | 3,858 |
| Noninterest expense to average assets | 2.3857% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7123% | 3,235 |
| Return on assets (ROA) | 0.7123% | 3,313 |
| Pretax return on assets | 0.7251% | 3,611 |
| Return on Equity (ROE) | 6.8097% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.5819% | 2,038 |
| Net charge-offs to loans | 0.0245% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,034 |
| Efficiency ratio | 76.6911% | 1,486 |
| Assets per employee ($millions) | 6.2843% | 1,472 |
| Cash dividends to net income (ytd only)* | 18.0307% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,110 |
| Loan loss allowance to noncurrent loans | 145.3425% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 1,961 |
| Noncurrent loans to loans | 0.8995% | 1,814 |
| Net loans and leases to total assets | 73.8878% | 1,625 |
| Net loans and leases to deposits | 86.9696% | 1,876 |
| Net loans and leases to core deposits | 93.1128% | 2,055 |
| Total domestic deposits to total assets | 84.9583% | 2,429 |
| Equity capital to assets | 10.6752% | 3,169 |
| Core capital (leverage) ratio | 9.6929% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4373% | 2,513 |
| Memoranda: | ||
| Average total assets | $439,115,500 | 1,651 |
| Average earning assets | $404,756,500 | 1,654 |
| Average equity | $45,934,500 | 1,791 |
| Average total loans | $326,504,500 | 1,534 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 2,792 |
| Cost of funding earning assets | 1.3902% | 586 |
| Net interest margin | 3.1554% | 4,279 |
| Noninterest income to average assets | 0.1509% | 4,739 |
| Noninterest expense to average assets | 2.2438% | 4,076 |
| Loan and lease loss provision to assets | 0.0115% | 3,784 |
| Net operating income to assets | 0.7630% | 3,662 |
| Return on assets (ROA) | 0.7799% | 3,691 |
| Pretax return on assets | 0.8134% | 3,943 |
| Return on Equity (ROE) | 7.9869% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.6197% | 2,090 |
| Net charge-offs to loans | 0.0204% | 3,011 |
| Credit loss provision to net charge-offs | 77.6119% | 2,826 |
| Earnings coverage of net charge-offs (x) | 54.6269% | 1,049 |
| Efficiency ratio | 73.5415% | 1,663 |
| Assets per employee ($millions) | 6.6361% | 1,216 |
| Cash dividends to net income (ytd only)* | 29.6380% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 1,932 |
| Loan loss allowance to noncurrent loans | 145.9274% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 1,927 |
| Noncurrent loans to loans | 0.8898% | 1,727 |
| Net loans and leases to total assets | 72.8971% | 1,934 |
| Net loans and leases to deposits | 86.4138% | 2,035 |
| Net loans and leases to core deposits | 93.1410% | 2,143 |
| Total domestic deposits to total assets | 84.3582% | 2,734 |
| Equity capital to assets | 10.2515% | 3,675 |
| Core capital (leverage) ratio | 9.0407% | 4,498 |
| Tier 1 risk-based capital ratio | 12.0108% | 4,360 |
| Total risk-based capital ratio | 13.2466% | 4,242 |
| Memoranda: | ||
| Average total assets | $453,387,000 | 1,543 |
| Average earning assets | $416,709,000 | 1,559 |
| Average equity | $44,272,600 | 1,781 |
| Average total loans | $328,910,800 | 1,504 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 3,027 |
| Cost of funding earning assets | 1.3753% | 623 |
| Net interest margin | 3.1342% | 4,426 |
| Noninterest income to average assets | 0.1367% | 4,851 |
| Noninterest expense to average assets | 2.2418% | 4,085 |
| Loan and lease loss provision to assets | 0.0152% | 3,602 |
| Net operating income to assets | 0.7311% | 3,908 |
| Return on assets (ROA) | 0.7536% | 3,905 |
| Pretax return on assets | 0.7843% | 4,159 |
| Return on Equity (ROE) | 7.8125% | 3,381 |
| Retained earnings to average equity (ytd only) | 6.0861% | 2,330 |
| Net charge-offs to loans | 0.0207% | 2,697 |
| Credit loss provision to net charge-offs | 101.9608% | 2,215 |
| Earnings coverage of net charge-offs (x) | 51.9987% | 1,162 |
| Efficiency ratio | 74.2824% | 1,519 |
| Assets per employee ($millions) | 6.9454% | 1,042 |
| Cash dividends to net income (ytd only)* | 22.0971% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 1,850 |
| Loan loss allowance to noncurrent loans | 135.6147% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 1,937 |
| Noncurrent loans to loans | 0.9794% | 1,634 |
| Net loans and leases to total assets | 70.4321% | 2,408 |
| Net loans and leases to deposits | 83.9096% | 2,468 |
| Net loans and leases to core deposits | 91.5590% | 2,410 |
| Total domestic deposits to total assets | 83.9380% | 2,845 |
| Equity capital to assets | 9.9800% | 4,039 |
| Core capital (leverage) ratio | 9.1860% | 4,489 |
| Tier 1 risk-based capital ratio | 11.8371% | 4,496 |
| Total risk-based capital ratio | 13.0739% | 4,392 |
| Memoranda: | ||
| Average total assets | $455,579,500 | 1,544 |
| Average earning assets | $418,809,250 | 1,553 |
| Average equity | $43,945,750 | 1,801 |
| Average total loans | $329,044,250 | 1,517 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 2,990 |
| Cost of funding earning assets | 1.3442% | 653 |
| Net interest margin | 3.1637% | 4,429 |
| Noninterest income to average assets | 0.1409% | 4,868 |
| Noninterest expense to average assets | 2.2646% | 4,093 |
| Loan and lease loss provision to assets | 0.0228% | 3,350 |
| Net operating income to assets | 0.7402% | 3,866 |
| Return on assets (ROA) | 0.7738% | 3,802 |
| Pretax return on assets | 0.8049% | 4,080 |
| Return on Equity (ROE) | 8.1146% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.2884% | 1,690 |
| Net charge-offs to loans | 0.0296% | 2,264 |
| Credit loss provision to net charge-offs | 106.1224% | 1,886 |
| Earnings coverage of net charge-offs (x) | 36.9592% | 1,295 |
| Efficiency ratio | 74.0730% | 1,638 |
| Assets per employee ($millions) | 6.9090% | 1,049 |
| Cash dividends to net income (ytd only)* | 10.1810% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,010 |
| Loan loss allowance to noncurrent loans | 128.8207% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,884 |
| Noncurrent loans to loans | 1.0099% | 1,623 |
| Net loans and leases to total assets | 71.2442% | 2,333 |
| Net loans and leases to deposits | 84.9066% | 2,377 |
| Net loans and leases to core deposits | 93.4579% | 2,286 |
| Total domestic deposits to total assets | 83.9089% | 2,905 |
| Equity capital to assets | 9.7905% | 4,147 |
| Core capital (leverage) ratio | 8.6623% | 4,872 |
| Tier 1 risk-based capital ratio | 11.8578% | 4,498 |
| Total risk-based capital ratio | 13.1079% | 4,379 |
| Memoranda: | ||
| Average total assets | $456,955,330 | 1,542 |
| Average earning assets | $421,215,670 | 1,551 |
| Average equity | $43,576,000 | 1,809 |
| Average total loans | $331,310,000 | 1,510 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 3,201 |
| Cost of funding earning assets | 1.2931% | 670 |
| Net interest margin | 3.1129% | 4,568 |
| Noninterest income to average assets | 0.1382% | 4,905 |
| Noninterest expense to average assets | 2.2622% | 4,117 |
| Loan and lease loss provision to assets | 0.0455% | 2,737 |
| Net operating income to assets | 0.6646% | 4,045 |
| Return on assets (ROA) | 0.6646% | 4,081 |
| Pretax return on assets | 0.6891% | 4,325 |
| Return on Equity (ROE) | 7.0629% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.2358% | 2,353 |
| Net charge-offs to loans | 0.0590% | 1,452 |
| Credit loss provision to net charge-offs | 106.1224% | 1,527 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,671 |
| Efficiency ratio | 75.4888% | 1,557 |
| Assets per employee ($millions) | 7.0778% | 970 |
| Cash dividends to net income (ytd only)* | 11.7105% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,150 |
| Loan loss allowance to noncurrent loans | 13,812.9032% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,794 |
| Noncurrent loans to loans | 0.0093% | 4,747 |
| Net loans and leases to total assets | 72.4591% | 2,084 |
| Net loans and leases to deposits | 87.7205% | 1,908 |
| Net loans and leases to core deposits | 95.2531% | 2,003 |
| Total domestic deposits to total assets | 82.6022% | 3,536 |
| Equity capital to assets | 9.6480% | 4,132 |
| Core capital (leverage) ratio | 8.8567% | 4,746 |
| Tier 1 risk-based capital ratio | 11.6115% | 4,683 |
| Total risk-based capital ratio | 12.8613% | 4,563 |
| Memoranda: | ||
| Average total assets | $457,437,000 | 1,553 |
| Average earning assets | $420,062,000 | 1,560 |
| Average equity | $43,042,000 | 1,817 |
| Average total loans | $332,390,000 | 1,511 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 1,768 |
| Cost of funding earning assets | 1.0679% | 556 |
| Net interest margin | 3.6486% | 3,228 |
| Noninterest income to average assets | 0.1943% | 4,742 |
| Noninterest expense to average assets | 2.5761% | 3,400 |
| Loan and lease loss provision to assets | 0.1812% | 1,079 |
| Net operating income to assets | 0.6663% | 4,242 |
| Return on assets (ROA) | 0.6663% | 4,252 |
| Pretax return on assets | 0.7056% | 4,402 |
| Return on Equity (ROE) | 6.2611% | 4,084 |
| Retained earnings to average equity (ytd only) | 3.9101% | 3,430 |
| Net charge-offs to loans | 0.1831% | 1,053 |
| Credit loss provision to net charge-offs | 120.9913% | 2,150 |
| Earnings coverage of net charge-offs (x) | 5.9213% | 3,141 |
| Efficiency ratio | 74.3916% | 1,574 |
| Assets per employee ($millions) | 6.2031% | 1,387 |
| Cash dividends to net income (ytd only)* | 37.5491% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,218 |
| Loan loss allowance to noncurrent loans | 2,017.5000% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,588 |
| Noncurrent loans to loans | 0.0628% | 4,471 |
| Net loans and leases to total assets | 80.0879% | 930 |
| Net loans and leases to deposits | 98.0833% | 894 |
| Net loans and leases to core deposits | 108.6591% | 1,075 |
| Total domestic deposits to total assets | 81.6529% | 3,735 |
| Equity capital to assets | 10.5462% | 3,136 |
| Core capital (leverage) ratio | 8.9332% | 4,707 |
| Tier 1 risk-based capital ratio | 10.5943% | 5,146 |
| Total risk-based capital ratio | 11.7953% | 5,057 |
| Memoranda: | ||
| Average total assets | $229,028,200 | 2,619 |
| Average earning assets | $205,175,600 | 2,679 |
| Average equity | $24,372,800 | 2,691 |
| Average total loans | $187,363,400 | 2,275 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,738 |
| Cost of funding earning assets | 1.0215% | 546 |
| Net interest margin | 3.6578% | 3,178 |
| Noninterest income to average assets | 0.2011% | 4,766 |
| Noninterest expense to average assets | 2.5041% | 3,585 |
| Loan and lease loss provision to assets | 0.2164% | 772 |
| Net operating income to assets | 0.7219% | 4,159 |
| Return on assets (ROA) | 0.7219% | 4,168 |
| Pretax return on assets | 0.7630% | 4,391 |
| Return on Equity (ROE) | 6.7679% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.6182% | 3,441 |
| Net charge-offs to loans | 0.2260% | 755 |
| Credit loss provision to net charge-offs | 116.7722% | 2,027 |
| Earnings coverage of net charge-offs (x) | 5.2848% | 2,965 |
| Efficiency ratio | 71.8855% | 1,900 |
| Assets per employee ($millions) | 5.7258% | 1,714 |
| Cash dividends to net income (ytd only)* | 31.7628% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,234 |
| Loan loss allowance to noncurrent loans | 9,238.4615% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,954 |
| Noncurrent loans to loans | 0.0138% | 4,855 |
| Net loans and leases to total assets | 81.2911% | 832 |
| Net loans and leases to deposits | 101.4306% | 679 |
| Net loans and leases to core deposits | 112.5559% | 889 |
| Total domestic deposits to total assets | 80.1445% | 4,081 |
| Equity capital to assets | 10.7916% | 2,851 |
| Core capital (leverage) ratio | 9.4043% | 4,273 |
| Tier 1 risk-based capital ratio | 10.6632% | 5,188 |
| Total risk-based capital ratio | 11.8690% | 5,114 |
| Memoranda: | ||
| Average total assets | $227,356,250 | 2,646 |
| Average earning assets | $204,015,250 | 2,707 |
| Average equity | $24,251,250 | 2,715 |
| Average total loans | $186,404,000 | 2,293 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,025 |
| Cost of funding earning assets | 0.9519% | 579 |
| Net interest margin | 3.5692% | 3,414 |
| Noninterest income to average assets | 0.2258% | 4,670 |
| Noninterest expense to average assets | 2.5670% | 3,423 |
| Loan and lease loss provision to assets | 0.3086% | 450 |
| Net operating income to assets | 0.5176% | 4,709 |
| Return on assets (ROA) | 0.5176% | 4,714 |
| Pretax return on assets | 0.5609% | 4,795 |
| Return on Equity (ROE) | 4.8721% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.9880% | 4,065 |
| Net charge-offs to loans | 0.3425% | 468 |
| Credit loss provision to net charge-offs | 110.0629% | 1,893 |
| Earnings coverage of net charge-offs (x) | 3.1006% | 2,910 |
| Efficiency ratio | 74.6985% | 1,607 |
| Assets per employee ($millions) | 5.5666% | 1,827 |
| Cash dividends to net income (ytd only)* | 38.6712% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,220 |
| Loan loss allowance to noncurrent loans | 151.6561% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 2,175 |
| Noncurrent loans to loans | 0.8498% | 2,021 |
| Net loans and leases to total assets | 79.9090% | 1,038 |
| Net loans and leases to deposits | 98.8193% | 896 |
| Net loans and leases to core deposits | 109.8014% | 1,014 |
| Total domestic deposits to total assets | 80.8638% | 4,034 |
| Equity capital to assets | 10.6295% | 2,996 |
| Core capital (leverage) ratio | 8.7690% | 4,911 |
| Tier 1 risk-based capital ratio | 10.5414% | 5,255 |
| Total risk-based capital ratio | 11.7502% | 5,167 |
| Memoranda: | ||
| Average total assets | $226,798,330 | 2,664 |
| Average earning assets | $204,023,670 | 2,714 |
| Average equity | $24,096,330 | 2,745 |
| Average total loans | $185,677,670 | 2,304 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,855 |
| Cost of funding earning assets | 0.8998% | 591 |
| Net interest margin | 3.6033% | 3,165 |
| Noninterest income to average assets | 0.2565% | 4,463 |
| Noninterest expense to average assets | 2.6026% | 3,329 |
| Loan and lease loss provision to assets | 0.3273% | 379 |
| Net operating income to assets | 0.5078% | 4,674 |
| Return on assets (ROA) | 0.5078% | 4,681 |
| Pretax return on assets | 0.5715% | 4,746 |
| Return on Equity (ROE) | 4.7804% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.6645% | 3,731 |
| Net charge-offs to loans | 0.3352% | 457 |
| Credit loss provision to net charge-offs | 118.5897% | 1,389 |
| Earnings coverage of net charge-offs (x) | 3.2564% | 2,402 |
| Efficiency ratio | 74.3305% | 1,852 |
| Assets per employee ($millions) | 5.5539% | 1,886 |
| Cash dividends to net income (ytd only)* | 23.3449% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,419 |
| Loan loss allowance to noncurrent loans | 1,127.0142% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,628 |
| Noncurrent loans to loans | 0.1124% | 4,464 |
| Net loans and leases to total assets | 81.4164% | 737 |
| Net loans and leases to deposits | 99.0607% | 779 |
| Net loans and leases to core deposits | 112.0239% | 891 |
| Total domestic deposits to total assets | 82.1884% | 3,906 |
| Equity capital to assets | 10.5875% | 2,986 |
| Core capital (leverage) ratio | 9.3034% | 4,321 |
| Tier 1 risk-based capital ratio | 10.3549% | 5,399 |
| Total risk-based capital ratio | 11.5489% | 5,339 |
| Memoranda: | ||
| Average total assets | $226,081,500 | 2,697 |
| Average earning assets | $203,591,500 | 2,755 |
| Average equity | $24,014,500 | 2,774 |
| Average total loans | $186,137,000 | 2,313 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 1,733 |
| Cost of funding earning assets | 0.8149% | 570 |
| Net interest margin | 3.6768% | 2,888 |
| Noninterest income to average assets | 0.2613% | 4,575 |
| Noninterest expense to average assets | 2.3519% | 4,203 |
| Loan and lease loss provision to assets | 0.0394% | 3,480 |
| Net operating income to assets | 1.1671% | 1,627 |
| Return on assets (ROA) | 1.1680% | 1,654 |
| Pretax return on assets | 1.2224% | 2,674 |
| Return on Equity (ROE) | 11.0071% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.4266% | 1,320 |
| Net charge-offs to loans | 0.0646% | 2,548 |
| Credit loss provision to net charge-offs | 73.5043% | 3,041 |
| Earnings coverage of net charge-offs (x) | 23.5470% | 1,803 |
| Efficiency ratio | 65.1001% | 3,423 |
| Assets per employee ($millions) | 6.2348% | 1,361 |
| Cash dividends to net income (ytd only)* | 41.6144% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,357 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,096 |
| Noncurrent loans to loans | 0.0157% | 4,960 |
| Net loans and leases to total assets | 81.1545% | 810 |
| Net loans and leases to deposits | 98.9102% | 824 |
| Net loans and leases to core deposits | 111.0411% | 947 |
| Total domestic deposits to total assets | 82.0487% | 3,859 |
| Equity capital to assets | 10.6571% | 2,986 |
| Core capital (leverage) ratio | 8.8966% | 4,759 |
| Tier 1 risk-based capital ratio | 10.5178% | 5,365 |
| Total risk-based capital ratio | 11.7288% | 5,285 |
| Memoranda: | ||
| Average total assets | $218,502,400 | 2,737 |
| Average earning assets | $199,168,400 | 2,774 |
| Average equity | $23,185,000 | 2,841 |
| Average total loans | $181,122,000 | 2,317 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,717 |
| Cost of funding earning assets | 0.7940% | 596 |
| Net interest margin | 3.6788% | 2,828 |
| Noninterest income to average assets | 0.2716% | 4,561 |
| Noninterest expense to average assets | 2.3113% | 4,271 |
| Loan and lease loss provision to assets | 0.0197% | 3,747 |
| Net operating income to assets | 1.2399% | 1,545 |
| Return on assets (ROA) | 1.2411% | 1,570 |
| Pretax return on assets | 1.3006% | 2,489 |
| Return on Equity (ROE) | 11.7092% | 1,420 |
| Retained earnings to average equity (ytd only) | 5.9184% | 2,300 |
| Net charge-offs to loans | 0.0540% | 2,370 |
| Credit loss provision to net charge-offs | 43.8356% | 2,976 |
| Earnings coverage of net charge-offs (x) | 29.4113% | 1,573 |
| Efficiency ratio | 63.6656% | 3,615 |
| Assets per employee ($millions) | 6.0071% | 1,489 |
| Cash dividends to net income (ytd only)* | 49.4555% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,443 |
| Loan loss allowance to noncurrent loans | 12,994.4444% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,227 |
| Noncurrent loans to loans | 0.0099% | 5,101 |
| Net loans and leases to total assets | 83.2175% | 524 |
| Net loans and leases to deposits | 102.0459% | 612 |
| Net loans and leases to core deposits | 114.3204% | 821 |
| Total domestic deposits to total assets | 81.5491% | 3,905 |
| Equity capital to assets | 10.8677% | 2,995 |
| Core capital (leverage) ratio | 9.3889% | 4,305 |
| Tier 1 risk-based capital ratio | 10.4714% | 5,461 |
| Total risk-based capital ratio | 11.7000% | 5,403 |
| Memoranda: | ||
| Average total assets | $217,015,000 | 2,777 |
| Average earning assets | $198,141,000 | 2,810 |
| Average equity | $23,001,250 | 2,879 |
| Average total loans | $180,277,000 | 2,333 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 1,684 |
| Cost of funding earning assets | 0.7627% | 644 |
| Net interest margin | 3.6818% | 2,714 |
| Noninterest income to average assets | 0.2679% | 4,625 |
| Noninterest expense to average assets | 2.3234% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2428% | 1,467 |
| Return on assets (ROA) | 1.2445% | 1,485 |
| Pretax return on assets | 1.3099% | 2,351 |
| Return on Equity (ROE) | 11.8418% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.0348% | 2,093 |
| Net charge-offs to loans | 0.0824% | 1,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.2027% | 1,847 |
| Efficiency ratio | 63.9797% | 3,677 |
| Assets per employee ($millions) | 6.2101% | 1,314 |
| Cash dividends to net income (ytd only)* | 49.0385% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,707 |
| Loan loss allowance to noncurrent loans | 46,120.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,309 |
| Noncurrent loans to loans | 0.0027% | 5,197 |
| Net loans and leases to total assets | 84.0058% | 447 |
| Net loans and leases to deposits | 102.1391% | 603 |
| Net loans and leases to core deposits | 112.3264% | 889 |
| Total domestic deposits to total assets | 82.2465% | 3,818 |
| Equity capital to assets | 10.6563% | 3,166 |
| Core capital (leverage) ratio | 8.7137% | 5,037 |
| Tier 1 risk-based capital ratio | 10.2003% | 5,579 |
| Total risk-based capital ratio | 11.4003% | 5,533 |
| Memoranda: | ||
| Average total assets | $217,268,330 | 2,793 |
| Average earning assets | $198,492,330 | 2,820 |
| Average equity | $22,834,330 | 2,897 |
| Average total loans | $179,602,330 | 2,343 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 1,547 |
| Cost of funding earning assets | 0.7409% | 693 |
| Net interest margin | 3.6926% | 2,506 |
| Noninterest income to average assets | 0.2854% | 4,509 |
| Noninterest expense to average assets | 2.1066% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4676% | 864 |
| Return on assets (ROA) | 1.4676% | 888 |
| Pretax return on assets | 1.5560% | 1,358 |
| Return on Equity (ROE) | 14.0623% | 800 |
| Retained earnings to average equity (ytd only) | 8.2574% | 1,353 |
| Net charge-offs to loans | 0.0995% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.2045% | 1,540 |
| Efficiency ratio | 57.5163% | 4,776 |
| Assets per employee ($millions) | 6.3484% | 1,262 |
| Cash dividends to net income (ytd only)* | 41.2798% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 2,433 |
| Loan loss allowance to noncurrent loans | 619.6286% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 4,525 |
| Noncurrent loans to loans | 0.2133% | 4,342 |
| Net loans and leases to total assets | 80.7964% | 723 |
| Net loans and leases to deposits | 97.5593% | 805 |
| Net loans and leases to core deposits | 105.5232% | 1,139 |
| Total domestic deposits to total assets | 82.8178% | 3,912 |
| Equity capital to assets | 10.6206% | 3,043 |
| Core capital (leverage) ratio | 9.0536% | 4,674 |
| Tier 1 risk-based capital ratio | 10.6285% | 5,494 |
| Total risk-based capital ratio | 11.8788% | 5,405 |
| Memoranda: | ||
| Average total assets | $217,225,500 | 2,815 |
| Average earning assets | $198,668,000 | 2,839 |
| Average equity | $22,670,500 | 2,929 |
| Average total loans | $176,955,500 | 2,387 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 1,689 |
| Cost of funding earning assets | 0.6993% | 809 |
| Net interest margin | 3.7509% | 2,497 |
| Noninterest income to average assets | 0.2992% | 4,595 |
| Noninterest expense to average assets | 2.1993% | 4,773 |
| Loan and lease loss provision to assets | 0.1525% | 1,643 |
| Net operating income to assets | 1.3302% | 1,144 |
| Return on assets (ROA) | 1.3321% | 1,191 |
| Pretax return on assets | 1.3776% | 2,021 |
| Return on Equity (ROE) | 12.4933% | 1,118 |
| Retained earnings to average equity (ytd only) | 4.5096% | 2,692 |
| Net charge-offs to loans | 0.0446% | 3,146 |
| Credit loss provision to net charge-offs | 414.4737% | 773 |
| Earnings coverage of net charge-offs (x) | 41.5263% | 1,147 |
| Efficiency ratio | 59.0023% | 4,724 |
| Assets per employee ($millions) | 6.2459% | 1,297 |
| Cash dividends to net income (ytd only)* | 63.9040% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,327 |
| Loan loss allowance to noncurrent loans | 326.4746% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,953 |
| Noncurrent loans to loans | 0.4114% | 3,671 |
| Net loans and leases to total assets | 79.9612% | 898 |
| Net loans and leases to deposits | 96.0635% | 988 |
| Net loans and leases to core deposits | 107.9699% | 1,022 |
| Total domestic deposits to total assets | 83.2379% | 3,682 |
| Equity capital to assets | 10.2545% | 3,442 |
| Core capital (leverage) ratio | 8.4263% | 5,341 |
| Tier 1 risk-based capital ratio | 10.3377% | 5,645 |
| Total risk-based capital ratio | 11.5883% | 5,583 |
| Memoranda: | ||
| Average total assets | $206,519,600 | 2,894 |
| Average earning assets | $188,754,800 | 2,906 |
| Average equity | $22,019,800 | 2,983 |
| Average total loans | $170,587,000 | 2,409 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,576 |
| Cost of funding earning assets | 0.6846% | 882 |
| Net interest margin | 3.8048% | 2,313 |
| Noninterest income to average assets | 0.2968% | 4,640 |
| Noninterest expense to average assets | 2.2539% | 4,641 |
| Loan and lease loss provision to assets | 0.0708% | 2,798 |
| Net operating income to assets | 1.4015% | 1,067 |
| Return on assets (ROA) | 1.4028% | 1,116 |
| Pretax return on assets | 1.4473% | 1,889 |
| Return on Equity (ROE) | 13.0225% | 1,050 |
| Retained earnings to average equity (ytd only) | 5.6384% | 2,407 |
| Net charge-offs to loans | -0.0032% | 4,541 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7741% | 4,575 |
| Assets per employee ($millions) | 6.0176% | 1,422 |
| Cash dividends to net income (ytd only)* | 56.7025% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,616 |
| Loan loss allowance to noncurrent loans | 94.4282% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 1,717 |
| Noncurrent loans to loans | 1.3908% | 1,583 |
| Net loans and leases to total assets | 82.7854% | 531 |
| Net loans and leases to deposits | 100.6154% | 671 |
| Net loans and leases to core deposits | 112.5322% | 781 |
| Total domestic deposits to total assets | 82.2791% | 3,849 |
| Equity capital to assets | 10.9692% | 3,043 |
| Core capital (leverage) ratio | 9.3303% | 4,424 |
| Tier 1 risk-based capital ratio | 10.5796% | 5,581 |
| Total risk-based capital ratio | 11.8298% | 5,498 |
| Memoranda: | ||
| Average total assets | $203,498,000 | 2,930 |
| Average earning assets | $185,794,750 | 2,958 |
| Average equity | $21,920,500 | 3,016 |
| Average total loans | $168,938,750 | 2,428 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 1,684 |
| Cost of funding earning assets | 0.6684% | 944 |
| Net interest margin | 3.7789% | 2,407 |
| Noninterest income to average assets | 0.2865% | 4,737 |
| Noninterest expense to average assets | 2.2508% | 4,729 |
| Loan and lease loss provision to assets | 0.1063% | 2,084 |
| Net operating income to assets | 1.3509% | 1,165 |
| Return on assets (ROA) | 1.3528% | 1,231 |
| Pretax return on assets | 1.3883% | 2,070 |
| Return on Equity (ROE) | 12.6366% | 1,122 |
| Retained earnings to average equity (ytd only) | 4.8376% | 2,840 |
| Net charge-offs to loans | -0.0060% | 4,574 |
| Credit loss provision to net charge-offs | -2,160.0000% | 5,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1262% | 4,625 |
| Assets per employee ($millions) | 6.4250% | 1,120 |
| Cash dividends to net income (ytd only)* | 61.7176% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,794 |
| Loan loss allowance to noncurrent loans | 992.9515% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 5,068 |
| Noncurrent loans to loans | 0.1308% | 4,914 |
| Net loans and leases to total assets | 83.3166% | 480 |
| Net loans and leases to deposits | 100.9191% | 633 |
| Net loans and leases to core deposits | 113.3223% | 757 |
| Total domestic deposits to total assets | 82.5578% | 3,812 |
| Equity capital to assets | 10.7321% | 3,361 |
| Core capital (leverage) ratio | 8.5284% | 5,342 |
| Tier 1 risk-based capital ratio | 10.3409% | 5,743 |
| Total risk-based capital ratio | 11.5906% | 5,658 |
| Memoranda: | ||
| Average total assets | $203,130,670 | 2,950 |
| Average earning assets | $185,822,670 | 2,978 |
| Average equity | $21,746,330 | 3,036 |
| Average total loans | $168,040,670 | 2,437 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 1,750 |
| Cost of funding earning assets | 0.6580% | 1,007 |
| Net interest margin | 3.7614% | 2,432 |
| Noninterest income to average assets | 0.2635% | 4,844 |
| Noninterest expense to average assets | 2.2685% | 4,744 |
| Loan and lease loss provision to assets | 0.2140% | 905 |
| Net operating income to assets | 1.2046% | 1,540 |
| Return on assets (ROA) | 1.2046% | 1,643 |
| Pretax return on assets | 1.2125% | 2,650 |
| Return on Equity (ROE) | 11.2660% | 1,508 |
| Retained earnings to average equity (ytd only) | 2.2791% | 4,347 |
| Net charge-offs to loans | -0.0024% | 4,141 |
| Credit loss provision to net charge-offs | -10,800.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3941% | 4,543 |
| Assets per employee ($millions) | 6.3871% | 1,173 |
| Cash dividends to net income (ytd only)* | 79.7697% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.0878% | 672 |
| Net loans and leases to deposits | 98.0576% | 755 |
| Net loans and leases to core deposits | 111.4928% | 784 |
| Total domestic deposits to total assets | 82.6941% | 4,007 |
| Equity capital to assets | 10.5907% | 3,385 |
| Core capital (leverage) ratio | 9.0350% | 4,808 |
| Tier 1 risk-based capital ratio | 10.4298% | 5,781 |
| Total risk-based capital ratio | 11.6802% | 5,700 |
| Memoranda: | ||
| Average total assets | $201,896,500 | 2,968 |
| Average earning assets | $184,189,000 | 3,004 |
| Average equity | $21,587,000 | 3,054 |
| Average total loans | $165,285,000 | 2,464 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,316 |
| Cost of funding earning assets | 0.6398% | 1,129 |
| Net interest margin | 3.9658% | 1,827 |
| Noninterest income to average assets | 0.3440% | 4,456 |
| Noninterest expense to average assets | 2.2404% | 4,946 |
| Loan and lease loss provision to assets | 0.1451% | 1,631 |
| Net operating income to assets | 1.4787% | 898 |
| Return on assets (ROA) | 1.4787% | 928 |
| Pretax return on assets | 1.5684% | 1,347 |
| Return on Equity (ROE) | 13.4427% | 959 |
| Retained earnings to average equity (ytd only) | 7.3232% | 1,157 |
| Net charge-offs to loans | 0.0627% | 2,971 |
| Credit loss provision to net charge-offs | 277.7778% | 1,048 |
| Earnings coverage of net charge-offs (x) | 32.8081% | 1,367 |
| Efficiency ratio | 56.6644% | 5,283 |
| Assets per employee ($millions) | 6.2314% | 1,238 |
| Cash dividends to net income (ytd only)* | 45.5227% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.4615% | 778 |
| Net loans and leases to deposits | 97.7239% | 840 |
| Net loans and leases to core deposits | 111.6186% | 792 |
| Total domestic deposits to total assets | 82.3355% | 4,075 |
| Equity capital to assets | 10.7961% | 3,035 |
| Core capital (leverage) ratio | 8.4662% | 5,460 |
| Tier 1 risk-based capital ratio | 10.6601% | 5,696 |
| Total risk-based capital ratio | 11.9099% | 5,611 |
| Memoranda: | ||
| Average total assets | $189,560,400 | 3,060 |
| Average earning assets | $172,548,600 | 3,087 |
| Average equity | $20,851,400 | 3,088 |
| Average total loans | $157,996,800 | 2,495 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,264 |
| Cost of funding earning assets | 0.6375% | 1,163 |
| Net interest margin | 3.9914% | 1,730 |
| Noninterest income to average assets | 0.3656% | 4,317 |
| Noninterest expense to average assets | 2.2839% | 4,821 |
| Loan and lease loss provision to assets | 0.1233% | 1,846 |
| Net operating income to assets | 1.4958% | 926 |
| Return on assets (ROA) | 1.4958% | 960 |
| Pretax return on assets | 1.5948% | 1,396 |
| Return on Equity (ROE) | 13.5314% | 998 |
| Retained earnings to average equity (ytd only) | 8.7545% | 988 |
| Net charge-offs to loans | -0.0026% | 4,730 |
| Credit loss provision to net charge-offs | -5,766.6667% | 5,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0691% | 5,218 |
| Assets per employee ($millions) | 6.0622% | 1,332 |
| Cash dividends to net income (ytd only)* | 35.3027% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,883 |
| Loan loss allowance to noncurrent loans | 71,366.6667% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,825 |
| Noncurrent loans to loans | 0.0019% | 5,666 |
| Net loans and leases to total assets | 80.9547% | 706 |
| Net loans and leases to deposits | 99.1853% | 714 |
| Net loans and leases to core deposits | 114.3286% | 655 |
| Total domestic deposits to total assets | 81.6197% | 4,285 |
| Equity capital to assets | 11.0135% | 3,015 |
| Core capital (leverage) ratio | 9.3252% | 4,552 |
| Tier 1 risk-based capital ratio | 10.7690% | 5,769 |
| Total risk-based capital ratio | 12.0194% | 5,704 |
| Memoranda: | ||
| Average total assets | $187,099,000 | 3,113 |
| Average earning assets | $170,462,500 | 3,139 |
| Average equity | $20,682,250 | 3,129 |
| Average total loans | $156,849,500 | 2,519 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,228 |
| Cost of funding earning assets | 0.6337% | 1,208 |
| Net interest margin | 3.9887% | 1,670 |
| Noninterest income to average assets | 0.3896% | 4,157 |
| Noninterest expense to average assets | 2.3398% | 4,745 |
| Loan and lease loss provision to assets | 0.1872% | 1,073 |
| Net operating income to assets | 1.3809% | 1,131 |
| Return on assets (ROA) | 1.3809% | 1,170 |
| Pretax return on assets | 1.4935% | 1,666 |
| Return on Equity (ROE) | 12.4764% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.0568% | 1,243 |
| Net charge-offs to loans | -0.0038% | 4,682 |
| Credit loss provision to net charge-offs | -5,766.6667% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1965% | 5,198 |
| Assets per employee ($millions) | 5.4853% | 1,756 |
| Cash dividends to net income (ytd only)* | 35.4232% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.5261% | 412 |
| Net loans and leases to deposits | 101.9236% | 555 |
| Net loans and leases to core deposits | 114.7715% | 634 |
| Total domestic deposits to total assets | 81.9497% | 4,304 |
| Equity capital to assets | 11.1656% | 2,703 |
| Core capital (leverage) ratio | 8.9092% | 5,083 |
| Tier 1 risk-based capital ratio | 10.5382% | 5,906 |
| Total risk-based capital ratio | 11.7887% | 5,853 |
| Memoranda: | ||
| Average total assets | $184,802,000 | 3,167 |
| Average earning assets | $168,226,330 | 3,188 |
| Average equity | $20,454,670 | 3,168 |
| Average total loans | $156,071,000 | 2,539 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 1,230 |
| Cost of funding earning assets | 0.6350% | 1,203 |
| Net interest margin | 3.9607% | 1,684 |
| Noninterest income to average assets | 0.5349% | 3,055 |
| Noninterest expense to average assets | 2.3897% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5895% | 720 |
| Return on assets (ROA) | 1.5895% | 757 |
| Pretax return on assets | 1.7396% | 966 |
| Return on Equity (ROE) | 14.4253% | 804 |
| Retained earnings to average equity (ytd only) | 9.5708% | 1,029 |
| Net charge-offs to loans | -0.0052% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8726% | 5,352 |
| Assets per employee ($millions) | 5.5762% | 1,733 |
| Cash dividends to net income (ytd only)* | 33.6525% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 3,575 |
| Loan loss allowance to noncurrent loans | 24,587.5000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,952 |
| Noncurrent loans to loans | 0.0052% | 5,793 |
| Net loans and leases to total assets | 83.0279% | 371 |
| Net loans and leases to deposits | 101.0296% | 506 |
| Net loans and leases to core deposits | 113.8837% | 582 |
| Total domestic deposits to total assets | 82.1818% | 4,461 |
| Equity capital to assets | 11.1464% | 2,811 |
| Core capital (leverage) ratio | 9.3335% | 4,517 |
| Tier 1 risk-based capital ratio | 10.8335% | 5,884 |
| Total risk-based capital ratio | 12.0833% | 5,810 |
| Memoranda: | ||
| Average total assets | $183,952,500 | 3,189 |
| Average earning assets | $166,940,000 | 3,221 |
| Average equity | $20,270,000 | 3,204 |
| Average total loans | $155,147,500 | 2,552 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,435 |
| Cost of funding earning assets | 0.6712% | 1,262 |
| Net interest margin | 3.9734% | 1,962 |
| Noninterest income to average assets | 0.2321% | 5,472 |
| Noninterest expense to average assets | 2.2241% | 5,288 |
| Loan and lease loss provision to assets | 0.7539% | 166 |
| Net operating income to assets | 0.7970% | 3,384 |
| Return on assets (ROA) | 0.7970% | 3,487 |
| Pretax return on assets | 0.8279% | 4,151 |
| Return on Equity (ROE) | 7.1185% | 3,567 |
| Retained earnings to average equity (ytd only) | 2.2627% | 4,629 |
| Net charge-offs to loans | 0.3219% | 1,372 |
| Credit loss provision to net charge-offs | 284.3552% | 896 |
| Earnings coverage of net charge-offs (x) | 5.9662% | 3,307 |
| Efficiency ratio | 58.4389% | 5,417 |
| Assets per employee ($millions) | 5.5725% | 1,711 |
| Cash dividends to net income (ytd only)* | 68.2138% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 3,639 |
| Loan loss allowance to noncurrent loans | 24,562.5000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 4,923 |
| Noncurrent loans to loans | 0.0051% | 5,904 |
| Net loans and leases to total assets | 83.5169% | 375 |
| Net loans and leases to deposits | 104.4485% | 420 |
| Net loans and leases to core deposits | 112.8783% | 644 |
| Total domestic deposits to total assets | 79.9599% | 5,030 |
| Equity capital to assets | 10.8918% | 3,022 |
| Core capital (leverage) ratio | 8.6886% | 5,356 |
| Tier 1 risk-based capital ratio | 10.0550% | 6,246 |
| Total risk-based capital ratio | 11.2603% | 6,205 |
| Memoranda: | ||
| Average total assets | $178,408,000 | 3,224 |
| Average earning assets | $160,468,000 | 3,275 |
| Average equity | $19,976,200 | 3,161 |
| Average total loans | $146,923,400 | 2,614 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 1,551 |
| Cost of funding earning assets | 0.6752% | 1,290 |
| Net interest margin | 3.9290% | 2,123 |
| Noninterest income to average assets | 0.2274% | 5,571 |
| Noninterest expense to average assets | 2.1810% | 5,389 |
| Loan and lease loss provision to assets | 0.6281% | 215 |
| Net operating income to assets | 0.9053% | 2,892 |
| Return on assets (ROA) | 0.9053% | 2,983 |
| Pretax return on assets | 0.9459% | 3,805 |
| Return on Equity (ROE) | 8.0280% | 3,190 |
| Retained earnings to average equity (ytd only) | 5.5635% | 2,695 |
| Net charge-offs to loans | -0.0028% | 5,211 |
| Credit loss provision to net charge-offs | -27,800.0000% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0826% | 5,431 |
| Assets per employee ($millions) | 5.8226% | 1,469 |
| Cash dividends to net income (ytd only)* | 30.6989% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,801 |
| Loan loss allowance to noncurrent loans | 1,109.1954% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 4,797 |
| Noncurrent loans to loans | 0.1146% | 5,585 |
| Net loans and leases to total assets | 83.0268% | 404 |
| Net loans and leases to deposits | 101.8264% | 510 |
| Net loans and leases to core deposits | 113.4404% | 603 |
| Total domestic deposits to total assets | 81.5376% | 4,648 |
| Equity capital to assets | 11.3151% | 2,649 |
| Core capital (leverage) ratio | 9.6440% | 4,162 |
| Tier 1 risk-based capital ratio | 10.6484% | 6,156 |
| Total risk-based capital ratio | 11.8736% | 6,116 |
| Memoranda: | ||
| Average total assets | $177,037,250 | 3,271 |
| Average earning assets | $158,951,250 | 3,319 |
| Average equity | $19,963,000 | 3,175 |
| Average total loans | $144,768,000 | 2,652 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,734 |
| Cost of funding earning assets | 0.6786% | 1,316 |
| Net interest margin | 3.8522% | 2,370 |
| Noninterest income to average assets | 0.2377% | 5,497 |
| Noninterest expense to average assets | 2.1753% | 5,472 |
| Loan and lease loss provision to assets | 0.7403% | 176 |
| Net operating income to assets | 0.7482% | 3,577 |
| Return on assets (ROA) | 0.7482% | 3,682 |
| Pretax return on assets | 0.7755% | 4,363 |
| Return on Equity (ROE) | 6.6433% | 3,807 |
| Retained earnings to average equity (ytd only) | 3.9880% | 3,646 |
| Net charge-offs to loans | -0.0014% | 5,037 |
| Credit loss provision to net charge-offs | -65,100.0000% | 5,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9341% | 5,440 |
| Assets per employee ($millions) | 5.6194% | 1,593 |
| Cash dividends to net income (ytd only)* | 39.9696% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,393 |
| Loan loss allowance to noncurrent loans | 548.7421% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 4,582 |
| Noncurrent loans to loans | 0.2199% | 5,350 |
| Net loans and leases to total assets | 82.0007% | 465 |
| Net loans and leases to deposits | 101.5823% | 472 |
| Net loans and leases to core deposits | 109.9467% | 698 |
| Total domestic deposits to total assets | 80.7234% | 5,061 |
| Equity capital to assets | 11.4775% | 2,448 |
| Core capital (leverage) ratio | 9.5619% | 4,237 |
| Tier 1 risk-based capital ratio | 10.8684% | 6,108 |
| Total risk-based capital ratio | 12.0294% | 6,086 |
| Memoranda: | ||
| Average total assets | $175,882,330 | 3,299 |
| Average earning assets | $157,674,670 | 3,354 |
| Average equity | $19,809,330 | 3,193 |
| Average total loans | $142,425,670 | 2,695 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 2,231 |
| Cost of funding earning assets | 0.6768% | 1,393 |
| Net interest margin | 3.7024% | 2,859 |
| Noninterest income to average assets | 0.2467% | 5,387 |
| Noninterest expense to average assets | 2.1819% | 5,503 |
| Loan and lease loss provision to assets | 0.5093% | 291 |
| Net operating income to assets | 0.8465% | 2,918 |
| Return on assets (ROA) | 0.8465% | 2,994 |
| Pretax return on assets | 0.8737% | 3,815 |
| Return on Equity (ROE) | 7.5874% | 3,152 |
| Retained earnings to average equity (ytd only) | 4.4226% | 3,470 |
| Net charge-offs to loans | -0.0028% | 4,735 |
| Credit loss provision to net charge-offs | -22,500.0000% | 5,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2063% | 5,244 |
| Assets per employee ($millions) | 5.7115% | 1,527 |
| Cash dividends to net income (ytd only)* | 41.7112% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 5,723 |
| Loan loss allowance to noncurrent loans | 69.2752% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 2,582 |
| Noncurrent loans to loans | 1.3625% | 2,753 |
| Net loans and leases to total assets | 78.1782% | 754 |
| Net loans and leases to deposits | 95.7924% | 670 |
| Net loans and leases to core deposits | 103.3710% | 897 |
| Total domestic deposits to total assets | 81.6121% | 5,053 |
| Equity capital to assets | 11.1936% | 2,531 |
| Core capital (leverage) ratio | 9.3188% | 4,545 |
| Tier 1 risk-based capital ratio | 11.0567% | 6,133 |
| Total risk-based capital ratio | 11.9593% | 6,233 |
| Memoranda: | ||
| Average total assets | $176,723,000 | 3,312 |
| Average earning assets | $158,384,500 | 3,371 |
| Average equity | $19,717,000 | 3,199 |
| Average total loans | $141,343,000 | 2,716 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,458 |
| Cost of funding earning assets | 0.7260% | 1,642 |
| Net interest margin | 4.0201% | 1,896 |
| Noninterest income to average assets | 0.2398% | 5,631 |
| Noninterest expense to average assets | 2.1474% | 5,736 |
| Loan and lease loss provision to assets | 0.1055% | 3,032 |
| Net operating income to assets | 1.5326% | 773 |
| Return on assets (ROA) | 1.5254% | 818 |
| Pretax return on assets | 1.6051% | 1,155 |
| Return on Equity (ROE) | 13.6724% | 1,027 |
| Retained earnings to average equity (ytd only) | 5.8011% | 2,099 |
| Net charge-offs to loans | 0.6242% | 1,051 |
| Credit loss provision to net charge-offs | 20.7373% | 4,435 |
| Earnings coverage of net charge-offs (x) | 3.3767% | 3,870 |
| Efficiency ratio | 55.5505% | 5,993 |
| Assets per employee ($millions) | 5.6900% | 1,486 |
| Cash dividends to net income (ytd only)* | 57.5711% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 6,243 |
| Loan loss allowance to noncurrent loans | 208.1905% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 5,375 |
| Noncurrent loans to loans | 0.3673% | 5,084 |
| Net loans and leases to total assets | 80.4211% | 550 |
| Net loans and leases to deposits | 98.4742% | 566 |
| Net loans and leases to core deposits | 108.2095% | 686 |
| Total domestic deposits to total assets | 81.6672% | 4,985 |
| Equity capital to assets | 11.1203% | 2,508 |
| Core capital (leverage) ratio | 9.2561% | 4,624 |
| Tier 1 risk-based capital ratio | 10.7244% | 6,291 |
| Total risk-based capital ratio | 11.4598% | 6,413 |
| Memoranda: | ||
| Average total assets | $170,579,400 | 3,401 |
| Average earning assets | $153,851,400 | 3,438 |
| Average equity | $19,031,000 | 3,275 |
| Average total loans | $139,053,400 | 2,720 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 1,321 |
| Cost of funding earning assets | 0.7371% | 1,686 |
| Net interest margin | 4.0748% | 1,704 |
| Noninterest income to average assets | 0.2507% | 5,640 |
| Noninterest expense to average assets | 2.1908% | 5,628 |
| Loan and lease loss provision to assets | 0.1064% | 2,982 |
| Net operating income to assets | 1.5439% | 832 |
| Return on assets (ROA) | 1.5349% | 885 |
| Pretax return on assets | 1.6177% | 1,302 |
| Return on Equity (ROE) | 13.7460% | 1,057 |
| Retained earnings to average equity (ytd only) | 5.3374% | 2,845 |
| Net charge-offs to loans | -0.0029% | 5,716 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8256% | 5,923 |
| Assets per employee ($millions) | 5.3605% | 1,779 |
| Cash dividends to net income (ytd only)* | 61.1709% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,119 |
| Loan loss allowance to noncurrent loans | 205.9013% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 4,815 |
| Noncurrent loans to loans | 0.6570% | 4,560 |
| Net loans and leases to total assets | 81.5823% | 398 |
| Net loans and leases to deposits | 100.2946% | 460 |
| Net loans and leases to core deposits | 109.6259% | 589 |
| Total domestic deposits to total assets | 81.3427% | 5,120 |
| Equity capital to assets | 11.2245% | 2,536 |
| Core capital (leverage) ratio | 9.1008% | 4,970 |
| Tier 1 risk-based capital ratio | 10.8653% | 6,340 |
| Total risk-based capital ratio | 12.1163% | 6,304 |
| Memoranda: | ||
| Average total assets | $169,127,000 | 3,462 |
| Average earning assets | $152,477,750 | 3,494 |
| Average equity | $18,885,000 | 3,325 |
| Average total loans | $138,080,000 | 2,742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 1,308 |
| Cost of funding earning assets | 0.7395% | 1,777 |
| Net interest margin | 4.0717% | 1,627 |
| Noninterest income to average assets | 0.2578% | 5,608 |
| Noninterest expense to average assets | 2.2053% | 5,615 |
| Loan and lease loss provision to assets | 0.1069% | 3,010 |
| Net operating income to assets | 1.5224% | 867 |
| Return on assets (ROA) | 1.5090% | 951 |
| Pretax return on assets | 1.6017% | 1,375 |
| Return on Equity (ROE) | 13.5380% | 1,119 |
| Retained earnings to average equity (ytd only) | 4.7223% | 3,249 |
| Net charge-offs to loans | -0.0029% | 5,564 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1404% | 5,951 |
| Assets per employee ($millions) | 5.1040% | 1,987 |
| Cash dividends to net income (ytd only)* | 65.1181% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,262 |
| Loan loss allowance to noncurrent loans | 203.3659% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 4,889 |
| Noncurrent loans to loans | 0.6646% | 4,611 |
| Net loans and leases to total assets | 81.1662% | 419 |
| Net loans and leases to deposits | 100.8990% | 381 |
| Net loans and leases to core deposits | 108.3711% | 636 |
| Total domestic deposits to total assets | 80.4430% | 5,492 |
| Equity capital to assets | 11.2646% | 2,506 |
| Core capital (leverage) ratio | 9.3304% | 4,492 |
| Tier 1 risk-based capital ratio | 11.0481% | 6,311 |
| Total risk-based capital ratio | 12.2991% | 6,288 |
| Memoranda: | ||
| Average total assets | $168,324,000 | 3,493 |
| Average earning assets | $151,731,000 | 3,521 |
| Average equity | $18,762,000 | 3,361 |
| Average total loans | $136,819,330 | 2,761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 1,328 |
| Cost of funding earning assets | 0.7609% | 1,775 |
| Net interest margin | 4.0207% | 1,707 |
| Noninterest income to average assets | 0.2662% | 5,552 |
| Noninterest expense to average assets | 2.1751% | 5,753 |
| Loan and lease loss provision to assets | 0.1070% | 2,909 |
| Net operating income to assets | 1.4905% | 877 |
| Return on assets (ROA) | 1.4905% | 953 |
| Pretax return on assets | 1.6141% | 1,274 |
| Return on Equity (ROE) | 13.4430% | 1,069 |
| Retained earnings to average equity (ytd only) | 5.6388% | 2,869 |
| Net charge-offs to loans | 0.0029% | 4,109 |
| Credit loss provision to net charge-offs | 4,500.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 724.0000% | 38 |
| Efficiency ratio | 55.8267% | 6,076 |
| Assets per employee ($millions) | 5.2704% | 1,901 |
| Cash dividends to net income (ytd only)* | 58.0542% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,507 |
| Loan loss allowance to noncurrent loans | 200.1096% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 5,042 |
| Noncurrent loans to loans | 0.6703% | 4,777 |
| Net loans and leases to total assets | 79.5889% | 460 |
| Net loans and leases to deposits | 97.9009% | 448 |
| Net loans and leases to core deposits | 104.3942% | 702 |
| Total domestic deposits to total assets | 81.2953% | 5,421 |
| Equity capital to assets | 11.1400% | 2,800 |
| Core capital (leverage) ratio | 9.2504% | 4,478 |
| Tier 1 risk-based capital ratio | 11.1121% | 6,355 |
| Total risk-based capital ratio | 12.3632% | 6,331 |
| Memoranda: | ||
| Average total assets | $168,270,500 | 3,529 |
| Average earning assets | $151,915,500 | 3,560 |
| Average equity | $18,656,500 | 3,429 |
| Average total loans | $135,938,000 | 2,792 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 1,315 |
| Cost of funding earning assets | 0.8865% | 2,017 |
| Net interest margin | 4.2139% | 1,622 |
| Noninterest income to average assets | 0.2908% | 5,389 |
| Noninterest expense to average assets | 2.2343% | 5,846 |
| Loan and lease loss provision to assets | 0.1602% | 3,615 |
| Net operating income to assets | 1.5829% | 778 |
| Return on assets (ROA) | 1.5829% | 861 |
| Pretax return on assets | 1.6646% | 1,228 |
| Return on Equity (ROE) | 14.0634% | 976 |
| Retained earnings to average equity (ytd only) | 6.7136% | 1,710 |
| Net charge-offs to loans | 0.0353% | 5,431 |
| Credit loss provision to net charge-offs | 566.6667% | 435 |
| Earnings coverage of net charge-offs (x) | 64.5556% | 557 |
| Efficiency ratio | 55.0449% | 6,164 |
| Assets per employee ($millions) | 5.4157% | 1,767 |
| Cash dividends to net income (ytd only)* | 52.2619% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,581 |
| Loan loss allowance to noncurrent loans | 197.2315% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 5,130 |
| Noncurrent loans to loans | 0.6648% | 4,867 |
| Net loans and leases to total assets | 79.8395% | 489 |
| Net loans and leases to deposits | 98.4980% | 482 |
| Net loans and leases to core deposits | 104.4332% | 767 |
| Total domestic deposits to total assets | 81.0570% | 5,385 |
| Equity capital to assets | 11.0341% | 2,907 |
| Core capital (leverage) ratio | 9.1242% | 4,700 |
| Tier 1 risk-based capital ratio | 10.5552% | 6,533 |
| Total risk-based capital ratio | 11.8053% | 6,500 |
| Memoranda: | ||
| Average total assets | $159,199,000 | 3,634 |
| Average earning assets | $142,363,200 | 3,691 |
| Average equity | $17,918,800 | 3,482 |
| Average total loans | $127,643,600 | 2,923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 1,250 |
| Cost of funding earning assets | 0.9124% | 2,089 |
| Net interest margin | 4.2609% | 1,575 |
| Noninterest income to average assets | 0.3057% | 5,341 |
| Noninterest expense to average assets | 2.2968% | 5,686 |
| Loan and lease loss provision to assets | 0.1910% | 3,201 |
| Net operating income to assets | 1.5470% | 950 |
| Return on assets (ROA) | 1.5470% | 1,055 |
| Pretax return on assets | 1.6286% | 1,482 |
| Return on Equity (ROE) | 13.6727% | 1,180 |
| Retained earnings to average equity (ytd only) | 7.5718% | 1,809 |
| Net charge-offs to loans | -0.0127% | 6,408 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7962% | 6,077 |
| Assets per employee ($millions) | 5.2700% | 1,856 |
| Cash dividends to net income (ytd only)* | 44.6212% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,473 |
| Loan loss allowance to noncurrent loans | 180.6194% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 5,139 |
| Noncurrent loans to loans | 0.7629% | 4,893 |
| Net loans and leases to total assets | 79.2050% | 576 |
| Net loans and leases to deposits | 97.9123% | 555 |
| Net loans and leases to core deposits | 103.9742% | 869 |
| Total domestic deposits to total assets | 80.8938% | 5,398 |
| Equity capital to assets | 11.2309% | 3,000 |
| Core capital (leverage) ratio | 9.4329% | 4,372 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,449 |
| Total risk-based capital ratio | 12.3256% | 6,422 |
| Memoranda: | ||
| Average total assets | $157,026,750 | 3,702 |
| Average earning assets | $140,436,500 | 3,758 |
| Average equity | $17,767,250 | 3,537 |
| Average total loans | $125,599,000 | 3,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 1,426 |
| Cost of funding earning assets | 0.9319% | 2,171 |
| Net interest margin | 4.1966% | 1,765 |
| Noninterest income to average assets | 0.3086% | 5,346 |
| Noninterest expense to average assets | 2.3988% | 5,469 |
| Loan and lease loss provision to assets | 0.1937% | 3,151 |
| Net operating income to assets | 1.3956% | 1,202 |
| Return on assets (ROA) | 1.3956% | 1,344 |
| Pretax return on assets | 1.4834% | 1,903 |
| Return on Equity (ROE) | 12.3025% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.1342% | 2,624 |
| Net charge-offs to loans | -0.0162% | 6,385 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8533% | 5,751 |
| Assets per employee ($millions) | 4.8729% | 2,327 |
| Cash dividends to net income (ytd only)* | 50.1388% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 4,661 |
| Loan loss allowance to noncurrent loans | 176.6327% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 5,201 |
| Noncurrent loans to loans | 0.7657% | 4,975 |
| Net loans and leases to total assets | 80.9687% | 408 |
| Net loans and leases to deposits | 100.5519% | 402 |
| Net loans and leases to core deposits | 104.6907% | 809 |
| Total domestic deposits to total assets | 80.5243% | 5,608 |
| Equity capital to assets | 11.4645% | 2,622 |
| Core capital (leverage) ratio | 9.2420% | 4,533 |
| Tier 1 risk-based capital ratio | 11.0368% | 6,477 |
| Total risk-based capital ratio | 12.2884% | 6,452 |
| Memoranda: | ||
| Average total assets | $154,912,000 | 3,753 |
| Average earning assets | $139,064,000 | 3,801 |
| Average equity | $17,573,670 | 3,561 |
| Average total loans | $123,730,000 | 3,057 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0999% | 1,570 |
| Cost of funding earning assets | 0.9422% | 2,361 |
| Net interest margin | 4.1577% | 1,905 |
| Noninterest income to average assets | 0.2902% | 5,546 |
| Noninterest expense to average assets | 2.3756% | 5,552 |
| Loan and lease loss provision to assets | 0.1943% | 2,998 |
| Net operating income to assets | 1.3368% | 1,361 |
| Return on assets (ROA) | 1.3368% | 1,521 |
| Pretax return on assets | 1.4585% | 1,996 |
| Return on Equity (ROE) | 11.8471% | 1,717 |
| Retained earnings to average equity (ytd only) | 5.6251% | 3,182 |
| Net charge-offs to loans | -0.0329% | 6,382 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9711% | 5,774 |
| Assets per employee ($millions) | 4.9458% | 2,321 |
| Cash dividends to net income (ytd only)* | 52.5194% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,691 |
| Loan loss allowance to noncurrent loans | 167.7812% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 5,335 |
| Noncurrent loans to loans | 0.8225% | 5,031 |
| Net loans and leases to total assets | 74.7795% | 950 |
| Net loans and leases to deposits | 92.2734% | 777 |
| Net loans and leases to core deposits | 95.8532% | 1,308 |
| Total domestic deposits to total assets | 81.0412% | 5,593 |
| Equity capital to assets | 11.0973% | 2,803 |
| Core capital (leverage) ratio | 9.2767% | 4,403 |
| Tier 1 risk-based capital ratio | 11.5240% | 6,268 |
| Total risk-based capital ratio | 12.7770% | 6,247 |
| Memoranda: | ||
| Average total assets | $154,401,500 | 3,796 |
| Average earning assets | $138,826,500 | 3,840 |
| Average equity | $17,422,000 | 3,588 |
| Average total loans | $121,601,000 | 3,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 1,128 |
| Cost of funding earning assets | 1.1565% | 2,309 |
| Net interest margin | 4.3603% | 1,511 |
| Noninterest income to average assets | 0.2761% | 5,558 |
| Noninterest expense to average assets | 2.1593% | 6,363 |
| Loan and lease loss provision to assets | 0.3060% | 3,223 |
| Net operating income to assets | 1.6655% | 589 |
| Return on assets (ROA) | 1.6649% | 630 |
| Pretax return on assets | 1.7281% | 933 |
| Return on Equity (ROE) | 14.6279% | 807 |
| Retained earnings to average equity (ytd only) | 5.2106% | 2,500 |
| Net charge-offs to loans | 0.2962% | 3,926 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 8.5486% | 2,129 |
| Efficiency ratio | 51.4837% | 6,743 |
| Assets per employee ($millions) | 4.7043% | 2,599 |
| Cash dividends to net income (ytd only)* | 64.3791% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 5,040 |
| Loan loss allowance to noncurrent loans | 157.2573% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 5,324 |
| Noncurrent loans to loans | 0.8109% | 5,074 |
| Net loans and leases to total assets | 80.7937% | 420 |
| Net loans and leases to deposits | 100.9043% | 418 |
| Net loans and leases to core deposits | 104.6650% | 862 |
| Total domestic deposits to total assets | 80.0696% | 5,723 |
| Equity capital to assets | 11.4794% | 2,520 |
| Core capital (leverage) ratio | 9.2791% | 4,361 |
| Tier 1 risk-based capital ratio | 10.6941% | 6,609 |
| Total risk-based capital ratio | 11.9265% | 6,588 |
| Memoranda: | ||
| Average total assets | $147,040,200 | 3,857 |
| Average earning assets | $132,123,000 | 3,887 |
| Average equity | $16,735,200 | 3,619 |
| Average total loans | $118,175,400 | 3,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5110% | 1,223 |
| Cost of funding earning assets | 1.1993% | 2,321 |
| Net interest margin | 4.3116% | 1,671 |
| Noninterest income to average assets | 0.2737% | 5,658 |
| Noninterest expense to average assets | 2.1464% | 6,414 |
| Loan and lease loss provision to assets | 0.3421% | 2,832 |
| Net operating income to assets | 1.6036% | 768 |
| Return on assets (ROA) | 1.6027% | 841 |
| Pretax return on assets | 1.6638% | 1,221 |
| Return on Equity (ROE) | 14.1132% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,477 |
| Net charge-offs to loans | 0.0593% | 5,376 |
| Credit loss provision to net charge-offs | 721.1538% | 374 |
| Earnings coverage of net charge-offs (x) | 42.3087% | 743 |
| Efficiency ratio | 51.6802% | 6,709 |
| Assets per employee ($millions) | 5.3286% | 1,775 |
| Cash dividends to net income (ytd only)* | 67.7292% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 4,157 |
| Loan loss allowance to noncurrent loans | 138.1062% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 5,005 |
| Noncurrent loans to loans | 1.0784% | 4,757 |
| Net loans and leases to total assets | 79.5296% | 559 |
| Net loans and leases to deposits | 102.1689% | 380 |
| Net loans and leases to core deposits | 105.7859% | 880 |
| Total domestic deposits to total assets | 77.8413% | 6,216 |
| Equity capital to assets | 11.3907% | 2,784 |
| Core capital (leverage) ratio | 9.3357% | 4,404 |
| Tier 1 risk-based capital ratio | 10.9957% | 6,545 |
| Total risk-based capital ratio | 12.2488% | 6,526 |
| Memoranda: | ||
| Average total assets | $146,165,500 | 3,888 |
| Average earning assets | $131,516,250 | 3,924 |
| Average equity | $16,598,750 | 3,645 |
| Average total loans | $116,920,000 | 3,264 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4498% | 1,414 |
| Cost of funding earning assets | 1.2245% | 2,413 |
| Net interest margin | 4.2254% | 1,937 |
| Noninterest income to average assets | 0.2673% | 5,738 |
| Noninterest expense to average assets | 2.1398% | 6,521 |
| Loan and lease loss provision to assets | 0.4134% | 2,364 |
| Net operating income to assets | 1.4770% | 931 |
| Return on assets (ROA) | 1.4757% | 988 |
| Pretax return on assets | 1.5308% | 1,435 |
| Return on Equity (ROE) | 13.0081% | 1,195 |
| Retained earnings to average equity (ytd only) | 3.2429% | 4,202 |
| Net charge-offs to loans | 0.0933% | 4,743 |
| Credit loss provision to net charge-offs | 555.5556% | 557 |
| Earnings coverage of net charge-offs (x) | 26.1481% | 1,024 |
| Efficiency ratio | 52.3777% | 6,763 |
| Assets per employee ($millions) | 5.1557% | 1,928 |
| Cash dividends to net income (ytd only)* | 75.0700% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 4,338 |
| Loan loss allowance to noncurrent loans | 132.1786% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 5,068 |
| Noncurrent loans to loans | 1.0983% | 4,833 |
| Net loans and leases to total assets | 80.7390% | 470 |
| Net loans and leases to deposits | 102.6582% | 361 |
| Net loans and leases to core deposits | 106.7061% | 887 |
| Total domestic deposits to total assets | 78.6484% | 6,160 |
| Equity capital to assets | 11.5150% | 2,491 |
| Core capital (leverage) ratio | 9.3003% | 4,253 |
| Tier 1 risk-based capital ratio | 11.0139% | 6,520 |
| Total risk-based capital ratio | 12.2667% | 6,503 |
| Memoranda: | ||
| Average total assets | $145,153,670 | 3,933 |
| Average earning assets | $131,160,000 | 3,957 |
| Average equity | $16,466,670 | 3,658 |
| Average total loans | $115,742,330 | 3,324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 1,770 |
| Cost of funding earning assets | 1.2509% | 2,498 |
| Net interest margin | 4.0827% | 2,333 |
| Noninterest income to average assets | 0.2748% | 5,705 |
| Noninterest expense to average assets | 2.0886% | 6,661 |
| Loan and lease loss provision to assets | 0.4122% | 2,130 |
| Net operating income to assets | 1.4236% | 1,027 |
| Return on assets (ROA) | 1.4236% | 1,059 |
| Pretax return on assets | 1.4785% | 1,507 |
| Return on Equity (ROE) | 12.6430% | 1,289 |
| Retained earnings to average equity (ytd only) | 2.4651% | 4,677 |
| Net charge-offs to loans | -0.0105% | 6,378 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4862% | 6,823 |
| Assets per employee ($millions) | 5.1741% | 1,929 |
| Cash dividends to net income (ytd only)* | 80.5019% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 4,571 |
| Loan loss allowance to noncurrent loans | 224.3094% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 5,975 |
| Noncurrent loans to loans | 0.6324% | 5,770 |
| Net loans and leases to total assets | 77.9022% | 739 |
| Net loans and leases to deposits | 93.9889% | 827 |
| Net loans and leases to core deposits | 98.0547% | 1,521 |
| Total domestic deposits to total assets | 82.8844% | 4,970 |
| Equity capital to assets | 11.3450% | 2,382 |
| Core capital (leverage) ratio | 8.9041% | 4,768 |
| Tier 1 risk-based capital ratio | 11.2540% | 6,304 |
| Total risk-based capital ratio | 12.5060% | 6,279 |
| Memoranda: | ||
| Average total assets | $145,551,000 | 3,967 |
| Average earning assets | $132,070,000 | 3,975 |
| Average equity | $16,388,500 | 3,658 |
| Average total loans | $114,478,000 | 3,377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 1,086 |
| Cost of funding earning assets | 1.5131% | 2,562 |
| Net interest margin | 4.3643% | 1,603 |
| Noninterest income to average assets | 0.3328% | 5,408 |
| Noninterest expense to average assets | 2.0722% | 6,907 |
| Loan and lease loss provision to assets | 0.4350% | 3,513 |
| Net operating income to assets | 1.6633% | 558 |
| Return on assets (ROA) | 1.6633% | 601 |
| Pretax return on assets | 1.7278% | 894 |
| Return on Equity (ROE) | 14.2806% | 832 |
| Retained earnings to average equity (ytd only) | 4.6938% | 2,612 |
| Net charge-offs to loans | 0.2232% | 4,949 |
| Credit loss provision to net charge-offs | 239.0438% | 1,210 |
| Earnings coverage of net charge-offs (x) | 11.8845% | 1,560 |
| Efficiency ratio | 48.9300% | 7,205 |
| Assets per employee ($millions) | 5.4159% | 1,660 |
| Cash dividends to net income (ytd only)* | 67.1316% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 5,077 |
| Loan loss allowance to noncurrent loans | 275.4682% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 6,356 |
| Noncurrent loans to loans | 0.4665% | 6,111 |
| Net loans and leases to total assets | 77.2773% | 1,053 |
| Net loans and leases to deposits | 92.8803% | 1,153 |
| Net loans and leases to core deposits | 97.5290% | 1,836 |
| Total domestic deposits to total assets | 83.2009% | 4,709 |
| Equity capital to assets | 11.1750% | 2,532 |
| Core capital (leverage) ratio | 9.0448% | 4,463 |
| Tier 1 risk-based capital ratio | 10.8090% | 6,480 |
| Total risk-based capital ratio | 12.0549% | 6,448 |
| Memoranda: | ||
| Average total assets | $137,922,400 | 4,096 |
| Average earning assets | $123,319,200 | 4,161 |
| Average equity | $16,063,800 | 3,748 |
| Average total loans | $112,454,200 | 3,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0367% | 868 |
| Cost of funding earning assets | 1.5858% | 2,469 |
| Net interest margin | 4.4509% | 1,370 |
| Noninterest income to average assets | 0.3317% | 5,508 |
| Noninterest expense to average assets | 2.1092% | 6,824 |
| Loan and lease loss provision to assets | 0.4417% | 3,264 |
| Net operating income to assets | 1.6607% | 668 |
| Return on assets (ROA) | 1.6607% | 722 |
| Pretax return on assets | 1.7451% | 1,022 |
| Return on Equity (ROE) | 14.1045% | 1,009 |
| Retained earnings to average equity (ytd only) | 7.3690% | 1,663 |
| Net charge-offs to loans | 0.0548% | 5,972 |
| Credit loss provision to net charge-offs | 978.2609% | 299 |
| Earnings coverage of net charge-offs (x) | 48.4362% | 580 |
| Efficiency ratio | 49.0976% | 7,204 |
| Assets per employee ($millions) | 5.5669% | 1,568 |
| Cash dividends to net income (ytd only)* | 47.7544% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,793 |
| Loan loss allowance to noncurrent loans | 219.1092% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 6,181 |
| Noncurrent loans to loans | 0.6075% | 5,991 |
| Net loans and leases to total assets | 81.2298% | 593 |
| Net loans and leases to deposits | 97.7459% | 816 |
| Net loans and leases to core deposits | 103.3222% | 1,540 |
| Total domestic deposits to total assets | 83.1030% | 4,552 |
| Equity capital to assets | 11.8363% | 2,261 |
| Core capital (leverage) ratio | 9.5278% | 3,862 |
| Tier 1 risk-based capital ratio | 11.1565% | 6,236 |
| Total risk-based capital ratio | 12.4070% | 6,229 |
| Memoranda: | ||
| Average total assets | $135,846,000 | 4,194 |
| Average earning assets | $120,991,000 | 4,264 |
| Average equity | $15,994,500 | 3,806 |
| Average total loans | $111,949,750 | 3,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 947 |
| Cost of funding earning assets | 1.6323% | 2,471 |
| Net interest margin | 4.3700% | 1,535 |
| Noninterest income to average assets | 0.3384% | 5,442 |
| Noninterest expense to average assets | 2.1375% | 6,798 |
| Loan and lease loss provision to assets | 0.4453% | 3,093 |
| Net operating income to assets | 1.5660% | 790 |
| Return on assets (ROA) | 1.5660% | 843 |
| Pretax return on assets | 1.6462% | 1,177 |
| Return on Equity (ROE) | 13.3249% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.5551% | 2,050 |
| Net charge-offs to loans | 0.0864% | 5,277 |
| Credit loss provision to net charge-offs | 625.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 29.3542% | 935 |
| Efficiency ratio | 50.5441% | 7,191 |
| Assets per employee ($millions) | 5.4827% | 1,633 |
| Cash dividends to net income (ytd only)* | 50.8057% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,427 |
| Loan loss allowance to noncurrent loans | 197.2701% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 6,187 |
| Noncurrent loans to loans | 0.6111% | 6,024 |
| Net loans and leases to total assets | 82.0891% | 521 |
| Net loans and leases to deposits | 99.9139% | 733 |
| Net loans and leases to core deposits | 104.0649% | 1,630 |
| Total domestic deposits to total assets | 82.1598% | 4,923 |
| Equity capital to assets | 11.7541% | 2,242 |
| Core capital (leverage) ratio | 9.4850% | 3,845 |
| Tier 1 risk-based capital ratio | 10.9356% | 6,310 |
| Total risk-based capital ratio | 12.1342% | 6,355 |
| Memoranda: | ||
| Average total assets | $134,737,000 | 4,248 |
| Average earning assets | $119,953,000 | 4,311 |
| Average equity | $15,835,000 | 3,825 |
| Average total loans | $111,074,670 | 3,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9102% | 1,183 |
| Cost of funding earning assets | 1.6862% | 2,456 |
| Net interest margin | 4.2240% | 1,952 |
| Noninterest income to average assets | 0.3594% | 5,265 |
| Noninterest expense to average assets | 2.1292% | 6,863 |
| Loan and lease loss provision to assets | 0.4492% | 2,721 |
| Net operating income to assets | 1.4524% | 979 |
| Return on assets (ROA) | 1.4524% | 1,053 |
| Pretax return on assets | 1.5243% | 1,455 |
| Return on Equity (ROE) | 12.3590% | 1,401 |
| Retained earnings to average equity (ytd only) | 5.5297% | 2,851 |
| Net charge-offs to loans | 0.1240% | 4,226 |
| Credit loss provision to net charge-offs | 441.1765% | 950 |
| Earnings coverage of net charge-offs (x) | 19.3824% | 1,204 |
| Efficiency ratio | 51.8978% | 7,170 |
| Assets per employee ($millions) | 5.2361% | 1,931 |
| Cash dividends to net income (ytd only)* | 55.2577% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,855 |
| Loan loss allowance to noncurrent loans | 112.3524% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 5,472 |
| Noncurrent loans to loans | 1.0075% | 5,309 |
| Net loans and leases to total assets | 82.5366% | 525 |
| Net loans and leases to deposits | 101.1733% | 686 |
| Net loans and leases to core deposits | 106.3940% | 1,543 |
| Total domestic deposits to total assets | 81.5793% | 5,240 |
| Equity capital to assets | 12.0693% | 2,006 |
| Core capital (leverage) ratio | 9.4507% | 3,853 |
| Tier 1 risk-based capital ratio | 11.1185% | 6,038 |
| Total risk-based capital ratio | 12.2435% | 6,132 |
| Memoranda: | ||
| Average total assets | $133,572,000 | 4,333 |
| Average earning assets | $118,371,000 | 4,417 |
| Average equity | $15,697,000 | 3,884 |
| Average total loans | $109,667,000 | 3,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4830% | 698 |
| Cost of funding earning assets | 2.2794% | 1,730 |
| Net interest margin | 4.2036% | 2,047 |
| Noninterest income to average assets | 0.3442% | 5,629 |
| Noninterest expense to average assets | 2.2061% | 6,979 |
| Loan and lease loss provision to assets | 0.2900% | 5,106 |
| Net operating income to assets | 1.5247% | 641 |
| Return on assets (ROA) | 1.5247% | 682 |
| Pretax return on assets | 1.5773% | 1,012 |
| Return on Equity (ROE) | 13.2089% | 913 |
| Retained earnings to average equity (ytd only) | 5.6789% | 1,482 |
| Net charge-offs to loans | 0.3103% | 4,692 |
| Credit loss provision to net charge-offs | 112.7596% | 4,866 |
| Earnings coverage of net charge-offs (x) | 7.2611% | 2,187 |
| Efficiency ratio | 54.1589% | 7,215 |
| Assets per employee ($millions) | 5.2401% | 1,902 |
| Cash dividends to net income (ytd only)* | 57.0070% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 6,271 |
| Loan loss allowance to noncurrent loans | 1,181.0526% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 7,322 |
| Noncurrent loans to loans | 0.0863% | 7,200 |
| Net loans and leases to total assets | 79.9555% | 999 |
| Net loans and leases to deposits | 96.9138% | 1,218 |
| Net loans and leases to core deposits | 121.3468% | 1,852 |
| Total domestic deposits to total assets | 82.5017% | 4,744 |
| Equity capital to assets | 11.4465% | 2,358 |
| Core capital (leverage) ratio | 9.1088% | 4,253 |
| Tier 1 risk-based capital ratio | 10.4907% | 6,406 |
| Total risk-based capital ratio | 11.4710% | 6,634 |
| Memoranda: | ||
| Average total assets | $131,043,800 | 4,314 |
| Average earning assets | $116,257,200 | 4,389 |
| Average equity | $15,126,200 | 4,039 |
| Average total loans | $108,594,000 | 3,727 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5325% | 699 |
| Cost of funding earning assets | 2.3772% | 1,711 |
| Net interest margin | 4.1553% | 2,196 |
| Noninterest income to average assets | 0.3443% | 5,744 |
| Noninterest expense to average assets | 2.3615% | 6,524 |
| Loan and lease loss provision to assets | 0.2364% | 5,080 |
| Net operating income to assets | 1.3698% | 1,084 |
| Return on assets (ROA) | 1.3698% | 1,144 |
| Pretax return on assets | 1.4449% | 1,584 |
| Return on Equity (ROE) | 11.8415% | 1,396 |
| Retained earnings to average equity (ytd only) | 4.5927% | 2,708 |
| Net charge-offs to loans | 0.3573% | 3,857 |
| Credit loss provision to net charge-offs | 79.3103% | 5,784 |
| Earnings coverage of net charge-offs (x) | 5.6413% | 2,762 |
| Efficiency ratio | 58.4138% | 6,662 |
| Assets per employee ($millions) | 5.0396% | 2,102 |
| Cash dividends to net income (ytd only)* | 61.2151% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 6,606 |
| Loan loss allowance to noncurrent loans | 821.7742% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 7,315 |
| Noncurrent loans to loans | 0.1141% | 7,192 |
| Net loans and leases to total assets | 82.1322% | 788 |
| Net loans and leases to deposits | 101.1447% | 999 |
| Net loans and leases to core deposits | 132.6002% | 1,302 |
| Total domestic deposits to total assets | 81.2026% | 4,997 |
| Equity capital to assets | 11.6409% | 2,476 |
| Core capital (leverage) ratio | 9.1235% | 4,454 |
| Tier 1 risk-based capital ratio | 10.4437% | 6,533 |
| Total risk-based capital ratio | 11.3559% | 6,817 |
| Memoranda: | ||
| Average total assets | $129,744,250 | 4,377 |
| Average earning assets | $115,481,500 | 4,438 |
| Average equity | $15,009,000 | 4,094 |
| Average total loans | $108,228,750 | 3,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5404% | 752 |
| Cost of funding earning assets | 2.4592% | 1,748 |
| Net interest margin | 4.0813% | 2,388 |
| Noninterest income to average assets | 0.3449% | 5,746 |
| Noninterest expense to average assets | 2.3508% | 6,622 |
| Loan and lease loss provision to assets | 0.1624% | 5,442 |
| Net operating income to assets | 1.3919% | 1,042 |
| Return on assets (ROA) | 1.3919% | 1,111 |
| Pretax return on assets | 1.4662% | 1,541 |
| Return on Equity (ROE) | 12.0581% | 1,391 |
| Retained earnings to average equity (ytd only) | 4.7831% | 2,649 |
| Net charge-offs to loans | 0.4959% | 2,844 |
| Credit loss provision to net charge-offs | 39.1791% | 5,916 |
| Earnings coverage of net charge-offs (x) | 3.9291% | 3,271 |
| Efficiency ratio | 59.0750% | 6,681 |
| Assets per employee ($millions) | 5.0631% | 2,011 |
| Cash dividends to net income (ytd only)* | 60.3333% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 7,050 |
| Loan loss allowance to noncurrent loans | 1,189.6104% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 7,447 |
| Noncurrent loans to loans | 0.0698% | 7,349 |
| Net loans and leases to total assets | 83.0469% | 781 |
| Net loans and leases to deposits | 101.8114% | 1,086 |
| Net loans and leases to core deposits | 133.4786% | 1,344 |
| Total domestic deposits to total assets | 81.5694% | 4,869 |
| Equity capital to assets | 11.4654% | 2,559 |
| Core capital (leverage) ratio | 8.9066% | 4,773 |
| Tier 1 risk-based capital ratio | 10.0035% | 6,919 |
| Total risk-based capital ratio | 10.7999% | 7,308 |
| Memoranda: | ||
| Average total assets | $129,316,000 | 4,405 |
| Average earning assets | $115,160,670 | 4,484 |
| Average equity | $14,927,670 | 4,122 |
| Average total loans | $108,093,000 | 3,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4917% | 884 |
| Cost of funding earning assets | 2.4898% | 1,958 |
| Net interest margin | 4.0019% | 2,634 |
| Noninterest income to average assets | 0.3465% | 5,676 |
| Noninterest expense to average assets | 2.2848% | 6,588 |
| Loan and lease loss provision to assets | 0.0936% | 5,756 |
| Net operating income to assets | 1.4732% | 988 |
| Return on assets (ROA) | 1.4732% | 1,063 |
| Pretax return on assets | 1.5450% | 1,543 |
| Return on Equity (ROE) | 12.7181% | 1,461 |
| Retained earnings to average equity (ytd only) | 5.4160% | 2,892 |
| Net charge-offs to loans | -0.0037% | 7,152 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2339% | 6,666 |
| Assets per employee ($millions) | 5.1069% | 1,949 |
| Cash dividends to net income (ytd only)* | 57.4153% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 5,918 |
| Loan loss allowance to noncurrent loans | 2,704.8780% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 7,415 |
| Noncurrent loans to loans | 0.0382% | 7,439 |
| Net loans and leases to total assets | 80.0721% | 1,374 |
| Net loans and leases to deposits | 97.7763% | 1,699 |
| Net loans and leases to core deposits | 129.7380% | 1,674 |
| Total domestic deposits to total assets | 81.8932% | 4,593 |
| Equity capital to assets | 11.2518% | 2,763 |
| Core capital (leverage) ratio | 8.9698% | 4,761 |
| Tier 1 risk-based capital ratio | 10.0002% | 6,922 |
| Total risk-based capital ratio | 10.9773% | 7,135 |
| Memoranda: | ||
| Average total assets | $128,154,000 | 4,448 |
| Average earning assets | $114,546,500 | 4,520 |
| Average equity | $14,845,000 | 4,165 |
| Average total loans | $107,020,000 | 3,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1109% | 896 |
| Cost of funding earning assets | 2.8750% | 2,370 |
| Net interest margin | 4.2359% | 2,177 |
| Noninterest income to average assets | 0.4011% | 5,459 |
| Noninterest expense to average assets | 2.2676% | 6,790 |
| Loan and lease loss provision to assets | 0.1240% | 5,776 |
| Net operating income to assets | 1.6744% | 712 |
| Return on assets (ROA) | 1.6854% | 673 |
| Pretax return on assets | 1.7714% | 997 |
| Return on Equity (ROE) | 14.2398% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.6789% | 932 |
| Net charge-offs to loans | 0.0119% | 6,755 |
| Credit loss provision to net charge-offs | 1,250.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 189.8333% | 247 |
| Efficiency ratio | 54.6215% | 7,197 |
| Assets per employee ($millions) | 4.7511% | 2,238 |
| Cash dividends to net income (ytd only)* | 46.0746% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 5,913 |
| Loan loss allowance to noncurrent loans | 2,997.2222% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 7,315 |
| Noncurrent loans to loans | 0.0338% | 7,370 |
| Net loans and leases to total assets | 85.4318% | 670 |
| Net loans and leases to deposits | 109.1559% | 890 |
| Net loans and leases to core deposits | 131.9360% | 1,728 |
| Total domestic deposits to total assets | 78.2658% | 5,627 |
| Equity capital to assets | 11.9405% | 2,330 |
| Core capital (leverage) ratio | 9.3538% | 4,226 |
| Tier 1 risk-based capital ratio | 9.9232% | 6,819 |
| Total risk-based capital ratio | 10.8836% | 7,058 |
| Memoranda: | ||
| Average total assets | $120,919,400 | 4,495 |
| Average earning assets | $107,061,600 | 4,592 |
| Average equity | $14,312,000 | 4,267 |
| Average total loans | $100,846,800 | 3,926 |