Home > Security State Bank > Performance and Condition Ratios
Security State 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 | 5.0438% | 1,985 |
| Cost of funding earning assets | 0.6654% | 3,978 |
| Net interest margin | 4.3784% | 725 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.7878% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9967% | 469 |
| Return on assets (ROA) | 1.9967% | 452 |
| Pretax return on assets | 2.5755% | 314 |
| Return on Equity (ROE) | 10.6200% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.8360% | 1,296 |
| Net charge-offs to loans | 0.0309% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 139.5455% | 748 |
| Efficiency ratio | 40.9729% | 4,345 |
| Assets per employee ($millions) | 7.7914% | 1,543 |
| Cash dividends to net income (ytd only)* | 16.8067% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5354% | 186 |
| Loan loss allowance to noncurrent loans | 113.3868% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 258 |
| Noncurrent loans to loans | 2.2360% | 234 |
| Net loans and leases to total assets | 64.7800% | 2,392 |
| Net loans and leases to deposits | 83.0426% | 1,857 |
| Net loans and leases to core deposits | 92.9953% | 1,845 |
| Total domestic deposits to total assets | 78.0000% | 3,725 |
| Equity capital to assets | 21.7723% | 245 |
| Core capital (leverage) ratio | 21.3853% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6057% | 251 |
| Memoranda: | ||
| Average total assets | $119,198,000 | 3,658 |
| Average earning assets | $114,517,800 | 3,596 |
| Average equity | $22,408,400 | 2,659 |
| Average total loans | $71,178,400 | 3,532 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22,524.0000% | 27 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.9540% | 526 |
| Pretax return on assets | 2.5784% | 350 |
| Return on Equity (ROE) | 10.7800% | 2,431 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.3595% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0133% | 3,701 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 2.0000% | 4,557 |
| Equity capital to assets | 2,137.0000% | 39 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $306,000 | 4,634 |
| Average earning assets | $10,287 | 4,586 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 2,155 |
| Cost of funding earning assets | 0.4838% | 4,013 |
| Net interest margin | 4.2428% | 871 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.6503% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9485% | 504 |
| Return on assets (ROA) | 1.9485% | 504 |
| Pretax return on assets | 2.5743% | 325 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.3379% | 2,178 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.0637% | 4,417 |
| Assets per employee ($millions) | 8.4731% | 1,111 |
| Cash dividends to net income (ytd only)* | 33.2779% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6093% | 191 |
| Loan loss allowance to noncurrent loans | 59.1603% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 2.6504% | 91 |
| Noncurrent loans to loans | 4.4106% | 72 |
| Net loans and leases to total assets | 58.5200% | 2,918 |
| Net loans and leases to deposits | 72.3857% | 2,619 |
| Net loans and leases to core deposits | 77.8852% | 2,623 |
| Total domestic deposits to total assets | 80.8500% | 3,448 |
| Equity capital to assets | 18.7603% | 315 |
| Core capital (leverage) ratio | 20.0960% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2404% | 274 |
| Memoranda: | ||
| Average total assets | $123,375,000 | 3,642 |
| Average earning assets | $118,649,333 | 3,584 |
| Average equity | $21,859,000 | 2,709 |
| Average total loans | $70,497,667 | 3,555 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 2,113 |
| Cost of funding earning assets | 0.4100% | 3,939 |
| Net interest margin | 4.1795% | 983 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.5491% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9562% | 529 |
| Return on assets (ROA) | 1.9562% | 517 |
| Pretax return on assets | 2.6020% | 316 |
| Return on Equity (ROE) | 11.3600% | 2,386 |
| Retained earnings to average equity (ytd only) | 3.9702% | 3,277 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.3180% | 4,504 |
| Assets per employee ($millions) | 9.7034% | 758 |
| Cash dividends to net income (ytd only)* | 65.0407% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7033% | 177 |
| Loan loss allowance to noncurrent loans | 205.9801% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 682 |
| Noncurrent loans to loans | 1.3124% | 512 |
| Net loans and leases to total assets | 53.0700% | 3,272 |
| Net loans and leases to deposits | 64.6918% | 3,032 |
| Net loans and leases to core deposits | 67.0980% | 3,153 |
| Total domestic deposits to total assets | 82.0400% | 3,480 |
| Equity capital to assets | 17.3397% | 330 |
| Core capital (leverage) ratio | 18.0995% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1320% | 261 |
| Memoranda: | ||
| Average total assets | $125,751,000 | 3,662 |
| Average earning assets | $120,971,500 | 3,591 |
| Average equity | $21,661,500 | 2,750 |
| Average total loans | $70,105,000 | 3,603 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 1,897 |
| Cost of funding earning assets | 0.2930% | 2,937 |
| Net interest margin | 3.6416% | 1,517 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.4078% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5624% | 754 |
| Return on assets (ROA) | 1.5624% | 719 |
| Pretax return on assets | 2.1448% | 351 |
| Return on Equity (ROE) | 10.2600% | 2,730 |
| Retained earnings to average equity (ytd only) | 10.0160% | 1,142 |
| Net charge-offs to loans | 0.0070% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 582.6000% | 299 |
| Efficiency ratio | 39.6269% | 4,544 |
| Assets per employee ($millions) | 9.6429% | 750 |
| Cash dividends to net income (ytd only)* | 2.3563% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6049% | 192 |
| Loan loss allowance to noncurrent loans | 145.0858% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 424 |
| Noncurrent loans to loans | 1.7954% | 334 |
| Net loans and leases to total assets | 55.4800% | 3,079 |
| Net loans and leases to deposits | 67.3162% | 2,785 |
| Net loans and leases to core deposits | 71.2070% | 2,782 |
| Total domestic deposits to total assets | 82.4100% | 3,549 |
| Equity capital to assets | 17.1110% | 327 |
| Core capital (leverage) ratio | 16.6875% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2376% | 276 |
| Memoranda: | ||
| Average total assets | $135,814,200 | 3,577 |
| Average earning assets | $119,810,200 | 3,625 |
| Average equity | $20,687,000 | 2,888 |
| Average total loans | $71,756,200 | 3,550 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 2,293 |
| Cost of funding earning assets | 0.2853% | 2,327 |
| Net interest margin | 3.3326% | 2,192 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.3311% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4110% | 1,058 |
| Return on assets (ROA) | 1.4110% | 1,031 |
| Pretax return on assets | 1.8503% | 657 |
| Return on Equity (ROE) | 9.5300% | 2,863 |
| Retained earnings to average equity (ytd only) | 9.5300% | 1,474 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.8408% | 4,526 |
| Assets per employee ($millions) | 9.7956% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5720% | 218 |
| Loan loss allowance to noncurrent loans | 138.6617% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 459 |
| Noncurrent loans to loans | 1.8549% | 334 |
| Net loans and leases to total assets | 51.5100% | 3,333 |
| Net loans and leases to deposits | 60.8870% | 3,121 |
| Net loans and leases to core deposits | 65.1379% | 3,015 |
| Total domestic deposits to total assets | 84.6100% | 3,362 |
| Equity capital to assets | 15.1264% | 444 |
| Core capital (leverage) ratio | 15.9221% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2187% | 339 |
| Memoranda: | ||
| Average total assets | $138,428,250 | 3,570 |
| Average earning assets | $119,622,250 | 3,653 |
| Average equity | $20,496,250 | 2,950 |
| Average total loans | $71,844,000 | 3,553 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 2,555 |
| Cost of funding earning assets | 0.2946% | 1,768 |
| Net interest margin | 3.0605% | 2,680 |
| Noninterest income to average assets | 0.1008% | 4,481 |
| Noninterest expense to average assets | 1.3251% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0111% | 2,110 |
| Return on assets (ROA) | 1.0111% | 2,083 |
| Pretax return on assets | 1.3193% | 1,686 |
| Return on Equity (ROE) | 6.8777% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.8777% | 2,026 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1089% | 4,239 |
| Assets per employee ($millions) | 11.6723% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6820% | 201 |
| Loan loss allowance to noncurrent loans | 98.7295% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 288 |
| Noncurrent loans to loans | 2.7165% | 200 |
| Net loans and leases to total assets | 48.3137% | 3,526 |
| Net loans and leases to deposits | 56.6914% | 3,326 |
| Net loans and leases to core deposits | 60.5230% | 3,235 |
| Total domestic deposits to total assets | 85.2222% | 3,431 |
| Equity capital to assets | 14.6607% | 440 |
| Core capital (leverage) ratio | 14.9279% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7948% | 329 |
| Memoranda: | ||
| Average total assets | $138,858,333 | 3,607 |
| Average earning assets | $115,406,000 | 3,758 |
| Average equity | $20,413,667 | 3,030 |
| Average total loans | $71,621,667 | 3,593 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 2,028 |
| Cost of funding earning assets | 0.3303% | 1,375 |
| Net interest margin | 3.0907% | 2,203 |
| Noninterest income to average assets | 0.1302% | 4,361 |
| Noninterest expense to average assets | 1.3685% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8535% | 2,476 |
| Return on assets (ROA) | 0.8535% | 2,466 |
| Pretax return on assets | 1.1168% | 2,087 |
| Return on Equity (ROE) | 5.7977% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.7977% | 2,315 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0640% | 3,969 |
| Assets per employee ($millions) | 12.1913% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6619% | 241 |
| Loan loss allowance to noncurrent loans | 119.2455% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 452 |
| Noncurrent loans to loans | 2.2323% | 297 |
| Net loans and leases to total assets | 46.6161% | 3,525 |
| Net loans and leases to deposits | 54.1852% | 3,406 |
| Net loans and leases to core deposits | 57.7784% | 3,314 |
| Total domestic deposits to total assets | 86.0310% | 3,253 |
| Equity capital to assets | 13.9253% | 538 |
| Core capital (leverage) ratio | 15.1699% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8266% | 304 |
| Memoranda: | ||
| Average total assets | $138,253,500 | 3,637 |
| Average earning assets | $105,348,500 | 3,869 |
| Average equity | $20,353,000 | 3,113 |
| Average total loans | $72,664,000 | 3,576 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 3,022 |
| Cost of funding earning assets | 0.3646% | 1,813 |
| Net interest margin | 2.9971% | 3,197 |
| Noninterest income to average assets | 0.1307% | 4,493 |
| Noninterest expense to average assets | 1.6064% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1096% | 2,252 |
| Return on assets (ROA) | 1.1096% | 2,317 |
| Pretax return on assets | 1.4257% | 1,960 |
| Return on Equity (ROE) | 7.2961% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.2849% | 2,234 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9800% | 4,038 |
| Assets per employee ($millions) | 10.0163% | 662 |
| Cash dividends to net income (ytd only)* | 13.8600% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 289 |
| Loan loss allowance to noncurrent loans | 409.8901% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 1,828 |
| Noncurrent loans to loans | 0.6045% | 1,628 |
| Net loans and leases to total assets | 56.3704% | 2,557 |
| Net loans and leases to deposits | 66.8528% | 2,421 |
| Net loans and leases to core deposits | 72.3141% | 2,232 |
| Total domestic deposits to total assets | 84.3202% | 3,470 |
| Equity capital to assets | 15.6161% | 421 |
| Core capital (leverage) ratio | 15.7838% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5889% | 368 |
| Memoranda: | ||
| Average total assets | $130,042,400 | 3,684 |
| Average earning assets | $125,888,200 | 3,618 |
| Average equity | $19,777,600 | 3,235 |
| Average total loans | $78,950,000 | 3,501 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 2,846 |
| Cost of funding earning assets | 0.3835% | 1,833 |
| Net interest margin | 3.1137% | 3,019 |
| Noninterest income to average assets | 0.1210% | 4,582 |
| Noninterest expense to average assets | 1.5805% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1989% | 2,174 |
| Return on assets (ROA) | 1.1989% | 2,228 |
| Pretax return on assets | 1.5548% | 1,836 |
| Return on Equity (ROE) | 7.9366% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.9182% | 2,452 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4089% | 4,187 |
| Assets per employee ($millions) | 9.4086% | 793 |
| Cash dividends to net income (ytd only)* | 12.8315% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3931% | 340 |
| Loan loss allowance to noncurrent loans | 429.7235% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 2,134 |
| Noncurrent loans to loans | 0.5569% | 1,925 |
| Net loans and leases to total assets | 57.7490% | 2,528 |
| Net loans and leases to deposits | 68.2179% | 2,418 |
| Net loans and leases to core deposits | 74.4295% | 2,194 |
| Total domestic deposits to total assets | 84.6538% | 3,245 |
| Equity capital to assets | 15.2832% | 499 |
| Core capital (leverage) ratio | 15.9119% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9470% | 430 |
| Memoranda: | ||
| Average total assets | $130,000,000 | 3,713 |
| Average earning assets | $125,848,500 | 3,651 |
| Average equity | $19,638,500 | 3,289 |
| Average total loans | $79,871,000 | 3,530 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0557% | 3,945 |
| Cost of funding earning assets | 0.4085% | 1,813 |
| Net interest margin | 2.6472% | 4,087 |
| Noninterest income to average assets | 0.7649% | 1,634 |
| Noninterest expense to average assets | 1.5808% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3398% | 1,748 |
| Return on assets (ROA) | 1.3398% | 1,821 |
| Pretax return on assets | 1.7477% | 1,363 |
| Return on Equity (ROE) | 8.9040% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.3635% | 2,302 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4930% | 4,427 |
| Assets per employee ($millions) | 7.8023% | 1,306 |
| Cash dividends to net income (ytd only)* | 17.3010% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3152% | 351 |
| Loan loss allowance to noncurrent loans | 336.0360% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 1,852 |
| Noncurrent loans to loans | 0.6890% | 1,702 |
| Net loans and leases to total assets | 63.0350% | 2,059 |
| Net loans and leases to deposits | 75.0052% | 1,911 |
| Net loans and leases to core deposits | 82.5225% | 1,678 |
| Total domestic deposits to total assets | 84.0408% | 3,426 |
| Equity capital to assets | 15.8863% | 423 |
| Core capital (leverage) ratio | 15.3755% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7911% | 439 |
| Memoranda: | ||
| Average total assets | $129,426,667 | 3,730 |
| Average earning assets | $125,339,667 | 3,674 |
| Average equity | $19,474,333 | 3,291 |
| Average total loans | $80,517,333 | 3,541 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0307% | 4,019 |
| Cost of funding earning assets | 0.4321% | 1,848 |
| Net interest margin | 2.5986% | 4,154 |
| Noninterest income to average assets | 0.9809% | 1,166 |
| Noninterest expense to average assets | 1.5518% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4819% | 1,369 |
| Return on assets (ROA) | 1.4819% | 1,436 |
| Pretax return on assets | 1.9496% | 1,029 |
| Return on Equity (ROE) | 10.1163% | 2,654 |
| Retained earnings to average equity (ytd only) | 7.0068% | 2,575 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3192% | 4,561 |
| Assets per employee ($millions) | 7.9855% | 1,206 |
| Cash dividends to net income (ytd only)* | 30.7377% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 364 |
| Loan loss allowance to noncurrent loans | 143.1312% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 873 |
| Noncurrent loans to loans | 1.6077% | 760 |
| Net loans and leases to total assets | 58.3287% | 2,766 |
| Net loans and leases to deposits | 68.2083% | 2,681 |
| Net loans and leases to core deposits | 74.5434% | 2,461 |
| Total domestic deposits to total assets | 85.5156% | 2,920 |
| Equity capital to assets | 14.3349% | 606 |
| Core capital (leverage) ratio | 15.1798% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4930% | 481 |
| Memoranda: | ||
| Average total assets | $131,721,500 | 3,719 |
| Average earning assets | $127,760,500 | 3,651 |
| Average equity | $19,295,500 | 3,300 |
| Average total loans | $80,498,000 | 3,553 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 2,827 |
| Cost of funding earning assets | 0.5951% | 2,351 |
| Net interest margin | 3.3732% | 2,859 |
| Noninterest income to average assets | 0.3112% | 3,620 |
| Noninterest expense to average assets | 1.7861% | 4,494 |
| Loan and lease loss provision to assets | 0.0445% | 3,845 |
| Net operating income to assets | 1.3336% | 1,165 |
| Return on assets (ROA) | 1.3336% | 1,259 |
| Pretax return on assets | 1.7363% | 791 |
| Return on Equity (ROE) | 8.1050% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.0244% | 1,389 |
| Net charge-offs to loans | -0.0577% | 4,696 |
| Credit loss provision to net charge-offs | -106.3830% | 3,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0748% | 4,525 |
| Assets per employee ($millions) | 7.5112% | 1,272 |
| Cash dividends to net income (ytd only)* | 13.3333% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3328% | 332 |
| Loan loss allowance to noncurrent loans | 61.9190% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.3588% | 203 |
| Noncurrent loans to loans | 3.7674% | 160 |
| Net loans and leases to total assets | 61.1504% | 2,710 |
| Net loans and leases to deposits | 72.0097% | 2,684 |
| Net loans and leases to core deposits | 79.1820% | 2,431 |
| Total domestic deposits to total assets | 84.9197% | 2,795 |
| Equity capital to assets | 14.9824% | 576 |
| Core capital (leverage) ratio | 15.8994% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0278% | 500 |
| Memoranda: | ||
| Average total assets | $112,477,400 | 3,848 |
| Average earning assets | $108,561,200 | 3,788 |
| Average equity | $18,507,000 | 3,323 |
| Average total loans | $81,487,200 | 3,529 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,411 |
| Cost of funding earning assets | 0.6353% | 2,402 |
| Net interest margin | 3.5607% | 2,390 |
| Noninterest income to average assets | 0.3681% | 3,252 |
| Noninterest expense to average assets | 1.7753% | 4,535 |
| Loan and lease loss provision to assets | 0.0617% | 3,570 |
| Net operating income to assets | 1.4980% | 910 |
| Return on assets (ROA) | 1.4980% | 991 |
| Pretax return on assets | 1.9630% | 551 |
| Return on Equity (ROE) | 8.8712% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.7814% | 1,378 |
| Net charge-offs to loans | -0.0684% | 4,752 |
| Credit loss provision to net charge-offs | -119.0476% | 3,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7226% | 4,676 |
| Assets per employee ($millions) | 7.3854% | 1,283 |
| Cash dividends to net income (ytd only)* | 12.2850% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2373% | 327 |
| Loan loss allowance to noncurrent loans | 58.3987% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.6953% | 184 |
| Noncurrent loans to loans | 3.8310% | 177 |
| Net loans and leases to total assets | 68.7815% | 2,141 |
| Net loans and leases to deposits | 81.9804% | 2,101 |
| Net loans and leases to core deposits | 91.2548% | 1,861 |
| Total domestic deposits to total assets | 83.8999% | 2,850 |
| Equity capital to assets | 15.9977% | 465 |
| Core capital (leverage) ratio | 16.8814% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,674,250 | 3,891 |
| Average earning assets | $104,732,250 | 3,839 |
| Average equity | $18,351,000 | 3,335 |
| Average total loans | $81,872,000 | 3,544 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 2,232 |
| Cost of funding earning assets | 0.6707% | 2,554 |
| Net interest margin | 3.7215% | 2,089 |
| Noninterest income to average assets | 0.4492% | 2,810 |
| Noninterest expense to average assets | 1.7932% | 4,569 |
| Loan and lease loss provision to assets | 0.0948% | 3,086 |
| Net operating income to assets | 1.6359% | 699 |
| Return on assets (ROA) | 1.6359% | 765 |
| Pretax return on assets | 2.1477% | 396 |
| Return on Equity (ROE) | 9.5009% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.8495% | 1,351 |
| Net charge-offs to loans | -0.1056% | 4,861 |
| Credit loss provision to net charge-offs | -116.2791% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4340% | 4,795 |
| Assets per employee ($millions) | 6.7275% | 1,605 |
| Cash dividends to net income (ytd only)* | 17.3812% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2238% | 322 |
| Loan loss allowance to noncurrent loans | 100.5402% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7196% | 484 |
| Noncurrent loans to loans | 2.2119% | 575 |
| Net loans and leases to total assets | 76.0164% | 1,136 |
| Net loans and leases to deposits | 91.9619% | 1,162 |
| Net loans and leases to core deposits | 103.6836% | 1,024 |
| Total domestic deposits to total assets | 82.6607% | 3,190 |
| Equity capital to assets | 17.2250% | 355 |
| Core capital (leverage) ratio | 16.9784% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,510,000 | 3,917 |
| Average earning assets | $101,680,667 | 3,867 |
| Average equity | $18,166,667 | 3,347 |
| Average total loans | $81,450,333 | 3,554 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 2,095 |
| Cost of funding earning assets | 0.7313% | 2,775 |
| Net interest margin | 3.8394% | 1,850 |
| Noninterest income to average assets | 0.1532% | 4,608 |
| Noninterest expense to average assets | 1.8345% | 4,625 |
| Loan and lease loss provision to assets | 0.1149% | 2,246 |
| Net operating income to assets | 1.4515% | 880 |
| Return on assets (ROA) | 1.4515% | 952 |
| Pretax return on assets | 1.9034% | 567 |
| Return on Equity (ROE) | 8.4318% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.4318% | 1,117 |
| Net charge-offs to loans | 0.0398% | 1,641 |
| Credit loss provision to net charge-offs | 375.0000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 65.8750% | 760 |
| Efficiency ratio | 47.6143% | 4,774 |
| Assets per employee ($millions) | 6.7514% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 393 |
| Loan loss allowance to noncurrent loans | 116.2338% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.4256% | 775 |
| Noncurrent loans to loans | 1.8712% | 788 |
| Net loans and leases to total assets | 74.5323% | 1,527 |
| Net loans and leases to deposits | 89.7810% | 1,536 |
| Net loans and leases to core deposits | 100.6878% | 1,420 |
| Total domestic deposits to total assets | 83.0157% | 3,109 |
| Equity capital to assets | 16.8103% | 464 |
| Core capital (leverage) ratio | 17.6869% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7841% | 667 |
| Memoranda: | ||
| Average total assets | $104,445,000 | 3,925 |
| Average earning assets | $100,639,500 | 3,869 |
| Average equity | $17,979,500 | 3,372 |
| Average total loans | $80,333,000 | 3,577 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 1,555 |
| Cost of funding earning assets | 0.7444% | 2,949 |
| Net interest margin | 4.2240% | 1,270 |
| Noninterest income to average assets | 0.1907% | 4,526 |
| Noninterest expense to average assets | 2.0579% | 4,434 |
| Loan and lease loss provision to assets | 0.1383% | 1,543 |
| Net operating income to assets | 1.5966% | 844 |
| Return on assets (ROA) | 1.5966% | 897 |
| Pretax return on assets | 2.0589% | 525 |
| Return on Equity (ROE) | 9.4352% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.1215% | 941 |
| Net charge-offs to loans | 0.0223% | 2,966 |
| Credit loss provision to net charge-offs | 777.7778% | 423 |
| Earnings coverage of net charge-offs (x) | 123.5556% | 572 |
| Efficiency ratio | 48.3631% | 4,812 |
| Assets per employee ($millions) | 6.7245% | 1,167 |
| Cash dividends to net income (ytd only)* | 13.9233% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 307 |
| Loan loss allowance to noncurrent loans | 232.6316% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 1,722 |
| Noncurrent loans to loans | 0.9698% | 1,578 |
| Net loans and leases to total assets | 75.9376% | 1,427 |
| Net loans and leases to deposits | 92.3210% | 1,328 |
| Net loans and leases to core deposits | 103.0292% | 1,311 |
| Total domestic deposits to total assets | 82.2539% | 3,436 |
| Equity capital to assets | 17.6470% | 399 |
| Core capital (leverage) ratio | 17.5574% | 370 |
| Tier 1 risk-based capital ratio | 20.6561% | 1,229 |
| Total risk-based capital ratio | 21.9152% | 1,189 |
| Memoranda: | ||
| Average total assets | $101,218,200 | 3,981 |
| Average earning assets | $97,395,200 | 3,921 |
| Average equity | $17,127,400 | 3,420 |
| Average total loans | $80,618,200 | 3,592 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 1,539 |
| Cost of funding earning assets | 0.7360% | 3,033 |
| Net interest margin | 4.2640% | 1,237 |
| Noninterest income to average assets | 0.1882% | 4,588 |
| Noninterest expense to average assets | 2.0058% | 4,537 |
| Loan and lease loss provision to assets | 0.1448% | 1,323 |
| Net operating income to assets | 1.6425% | 837 |
| Return on assets (ROA) | 1.6425% | 883 |
| Pretax return on assets | 2.1400% | 507 |
| Return on Equity (ROE) | 9.8115% | 2,508 |
| Retained earnings to average equity (ytd only) | 9.0253% | 1,036 |
| Net charge-offs to loans | 0.0131% | 2,907 |
| Credit loss provision to net charge-offs | 1,375.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 216.9269% | 420 |
| Efficiency ratio | 46.7485% | 4,904 |
| Assets per employee ($millions) | 6.3164% | 1,380 |
| Cash dividends to net income (ytd only)* | 8.0128% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 373 |
| Loan loss allowance to noncurrent loans | 182.8452% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 1,427 |
| Noncurrent loans to loans | 1.1641% | 1,359 |
| Net loans and leases to total assets | 79.5314% | 908 |
| Net loans and leases to deposits | 96.3591% | 977 |
| Net loans and leases to core deposits | 107.4129% | 1,090 |
| Total domestic deposits to total assets | 82.5365% | 3,306 |
| Equity capital to assets | 17.3676% | 455 |
| Core capital (leverage) ratio | 17.7530% | 367 |
| Tier 1 risk-based capital ratio | 19.6780% | 1,423 |
| Total risk-based capital ratio | 20.9359% | 1,388 |
| Memoranda: | ||
| Average total assets | $101,306,000 | 4,024 |
| Average earning assets | $97,464,250 | 3,951 |
| Average equity | $16,959,250 | 3,460 |
| Average total loans | $81,181,750 | 3,624 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 1,594 |
| Cost of funding earning assets | 0.7085% | 3,120 |
| Net interest margin | 4.2489% | 1,241 |
| Noninterest income to average assets | 0.1874% | 4,634 |
| Noninterest expense to average assets | 1.9825% | 4,632 |
| Loan and lease loss provision to assets | 0.1578% | 1,148 |
| Net operating income to assets | 1.6432% | 824 |
| Return on assets (ROA) | 1.6432% | 859 |
| Pretax return on assets | 2.1403% | 506 |
| Return on Equity (ROE) | 9.9393% | 2,417 |
| Retained earnings to average equity (ytd only) | 8.7461% | 1,112 |
| Net charge-offs to loans | 0.0099% | 2,776 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 291.2500% | 272 |
| Efficiency ratio | 46.3134% | 4,974 |
| Assets per employee ($millions) | 6.2346% | 1,378 |
| Cash dividends to net income (ytd only)* | 12.0048% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1174% | 383 |
| Loan loss allowance to noncurrent loans | 78.9184% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1874% | 389 |
| Noncurrent loans to loans | 2.6830% | 409 |
| Net loans and leases to total assets | 79.8003% | 911 |
| Net loans and leases to deposits | 96.4558% | 990 |
| Net loans and leases to core deposits | 107.8967% | 1,108 |
| Total domestic deposits to total assets | 82.7325% | 3,294 |
| Equity capital to assets | 17.1773% | 448 |
| Core capital (leverage) ratio | 17.1023% | 416 |
| Tier 1 risk-based capital ratio | 19.5596% | 1,426 |
| Total risk-based capital ratio | 20.8175% | 1,399 |
| Memoranda: | ||
| Average total assets | $101,387,330 | 4,043 |
| Average earning assets | $97,672,670 | 3,974 |
| Average equity | $16,761,670 | 3,486 |
| Average total loans | $80,867,670 | 3,642 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 1,736 |
| Cost of funding earning assets | 0.6738% | 3,183 |
| Net interest margin | 4.1849% | 1,333 |
| Noninterest income to average assets | 0.1800% | 4,671 |
| Noninterest expense to average assets | 2.0547% | 4,540 |
| Loan and lease loss provision to assets | 0.2348% | 643 |
| Net operating income to assets | 1.4872% | 1,142 |
| Return on assets (ROA) | 1.4872% | 1,166 |
| Pretax return on assets | 1.9256% | 751 |
| Return on Equity (ROE) | 9.1704% | 2,721 |
| Retained earnings to average equity (ytd only) | 9.1704% | 1,252 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7465% | 4,913 |
| Assets per employee ($millions) | 6.4531% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1220% | 406 |
| Loan loss allowance to noncurrent loans | 141.4594% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 1,157 |
| Noncurrent loans to loans | 1.5001% | 1,075 |
| Net loans and leases to total assets | 76.2148% | 1,443 |
| Net loans and leases to deposits | 91.2158% | 1,490 |
| Net loans and leases to core deposits | 102.4076% | 1,421 |
| Total domestic deposits to total assets | 83.5543% | 3,202 |
| Equity capital to assets | 16.2452% | 541 |
| Core capital (leverage) ratio | 16.6653% | 460 |
| Tier 1 risk-based capital ratio | 19.1980% | 1,501 |
| Total risk-based capital ratio | 20.4572% | 1,473 |
| Memoranda: | ||
| Average total assets | $102,204,000 | 4,070 |
| Average earning assets | $98,545,500 | 3,991 |
| Average equity | $16,575,000 | 3,520 |
| Average total loans | $80,638,500 | 3,679 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 2,050 |
| Cost of funding earning assets | 0.5334% | 3,159 |
| Net interest margin | 4.0969% | 1,686 |
| Noninterest income to average assets | 0.1877% | 4,783 |
| Noninterest expense to average assets | 2.0480% | 4,663 |
| Loan and lease loss provision to assets | 0.2230% | 803 |
| Net operating income to assets | 1.4459% | 1,291 |
| Return on assets (ROA) | 1.4459% | 1,275 |
| Pretax return on assets | 1.8706% | 766 |
| Return on Equity (ROE) | 9.8690% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.4419% | 1,068 |
| Net charge-offs to loans | 0.0608% | 2,263 |
| Credit loss provision to net charge-offs | 470.5882% | 727 |
| Earnings coverage of net charge-offs (x) | 44.1765% | 1,226 |
| Efficiency ratio | 49.4503% | 4,970 |
| Assets per employee ($millions) | 5.9505% | 1,561 |
| Cash dividends to net income (ytd only)* | 14.4602% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0351% | 446 |
| Loan loss allowance to noncurrent loans | 224.8634% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 1,916 |
| Noncurrent loans to loans | 0.9050% | 1,770 |
| Net loans and leases to total assets | 78.3262% | 1,219 |
| Net loans and leases to deposits | 93.5809% | 1,327 |
| Net loans and leases to core deposits | 105.2538% | 1,320 |
| Total domestic deposits to total assets | 83.6989% | 3,085 |
| Equity capital to assets | 16.1894% | 509 |
| Core capital (leverage) ratio | 15.6734% | 571 |
| Tier 1 risk-based capital ratio | 18.6144% | 1,591 |
| Total risk-based capital ratio | 19.8715% | 1,549 |
| Memoranda: | ||
| Average total assets | $107,614,800 | 3,974 |
| Average earning assets | $103,860,000 | 3,920 |
| Average equity | $15,766,600 | 3,538 |
| Average total loans | $83,878,400 | 3,595 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 2,206 |
| Cost of funding earning assets | 0.5082% | 3,140 |
| Net interest margin | 4.0175% | 1,904 |
| Noninterest income to average assets | 0.1807% | 4,880 |
| Noninterest expense to average assets | 1.9359% | 4,848 |
| Loan and lease loss provision to assets | 0.2197% | 756 |
| Net operating income to assets | 1.4684% | 1,281 |
| Return on assets (ROA) | 1.4684% | 1,281 |
| Pretax return on assets | 1.9042% | 809 |
| Return on Equity (ROE) | 10.2726% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.4187% | 1,068 |
| Net charge-offs to loans | 0.0804% | 1,719 |
| Credit loss provision to net charge-offs | 352.9412% | 888 |
| Earnings coverage of net charge-offs (x) | 34.1168% | 1,496 |
| Efficiency ratio | 47.6849% | 5,065 |
| Assets per employee ($millions) | 6.2494% | 1,315 |
| Cash dividends to net income (ytd only)* | 8.3126% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 590 |
| Loan loss allowance to noncurrent loans | 287.8403% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 2,663 |
| Noncurrent loans to loans | 0.6608% | 2,428 |
| Net loans and leases to total assets | 76.9934% | 1,503 |
| Net loans and leases to deposits | 90.8795% | 1,777 |
| Net loans and leases to core deposits | 102.1224% | 1,602 |
| Total domestic deposits to total assets | 84.7203% | 2,713 |
| Equity capital to assets | 15.1903% | 676 |
| Core capital (leverage) ratio | 15.3576% | 620 |
| Tier 1 risk-based capital ratio | 17.6724% | 1,876 |
| Total risk-based capital ratio | 18.9285% | 1,833 |
| Memoranda: | ||
| Average total assets | $109,228,750 | 3,994 |
| Average earning assets | $105,469,500 | 3,927 |
| Average equity | $15,614,000 | 3,576 |
| Average total loans | $84,628,000 | 3,611 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 2,260 |
| Cost of funding earning assets | 0.4938% | 3,048 |
| Net interest margin | 3.9558% | 2,015 |
| Noninterest income to average assets | 0.1597% | 5,028 |
| Noninterest expense to average assets | 1.8870% | 4,977 |
| Loan and lease loss provision to assets | 0.2177% | 758 |
| Net operating income to assets | 1.4425% | 1,301 |
| Return on assets (ROA) | 1.4425% | 1,305 |
| Pretax return on assets | 1.8780% | 816 |
| Return on Equity (ROE) | 10.2984% | 2,426 |
| Retained earnings to average equity (ytd only) | 10.2984% | 843 |
| Net charge-offs to loans | 0.0047% | 3,007 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 577.5000% | 153 |
| Efficiency ratio | 47.3804% | 5,149 |
| Assets per employee ($millions) | 6.6736% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 663 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 771 |
| Noncurrent loans to loans | 2.0823% | 699 |
| Net loans and leases to total assets | 77.2313% | 1,435 |
| Net loans and leases to deposits | 90.7986% | 1,738 |
| Net loans and leases to core deposits | 105.4512% | 1,283 |
| Total domestic deposits to total assets | 85.0578% | 2,647 |
| Equity capital to assets | 14.8345% | 720 |
| Core capital (leverage) ratio | 14.5048% | 781 |
| Tier 1 risk-based capital ratio | 17.1966% | 2,031 |
| Total risk-based capital ratio | 18.4518% | 1,980 |
| Memoranda: | ||
| Average total assets | $110,225,330 | 4,012 |
| Average earning assets | $106,527,000 | 3,937 |
| Average equity | $15,439,330 | 3,622 |
| Average total loans | $85,043,000 | 3,625 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,522 |
| Cost of funding earning assets | 0.4582% | 3,145 |
| Net interest margin | 3.8392% | 2,264 |
| Noninterest income to average assets | 0.1644% | 5,035 |
| Noninterest expense to average assets | 1.8651% | 5,077 |
| Loan and lease loss provision to assets | 0.2144% | 745 |
| Net operating income to assets | 1.3828% | 1,388 |
| Return on assets (ROA) | 1.3828% | 1,404 |
| Pretax return on assets | 1.7972% | 916 |
| Return on Equity (ROE) | 10.1581% | 2,354 |
| Retained earnings to average equity (ytd only) | 10.1581% | 1,115 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1106% | 5,191 |
| Assets per employee ($millions) | 7.1918% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 875 |
| Loan loss allowance to noncurrent loans | 115.1860% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 1,343 |
| Noncurrent loans to loans | 1.5141% | 1,163 |
| Net loans and leases to total assets | 74.2717% | 1,813 |
| Net loans and leases to deposits | 85.9426% | 2,173 |
| Net loans and leases to core deposits | 98.7475% | 1,785 |
| Total domestic deposits to total assets | 86.4202% | 2,350 |
| Equity capital to assets | 13.4069% | 1,069 |
| Core capital (leverage) ratio | 14.2288% | 824 |
| Tier 1 risk-based capital ratio | 16.1958% | 2,391 |
| Total risk-based capital ratio | 17.4502% | 2,343 |
| Memoranda: | ||
| Average total assets | $111,949,000 | 4,028 |
| Average earning assets | $108,251,500 | 3,943 |
| Average equity | $15,239,000 | 3,678 |
| Average total loans | $85,544,000 | 3,639 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,844 |
| Cost of funding earning assets | 0.4832% | 2,474 |
| Net interest margin | 3.9769% | 1,821 |
| Noninterest income to average assets | 0.2522% | 4,623 |
| Noninterest expense to average assets | 1.9788% | 4,996 |
| Loan and lease loss provision to assets | 0.2234% | 882 |
| Net operating income to assets | 1.1234% | 1,780 |
| Return on assets (ROA) | 1.1234% | 1,807 |
| Pretax return on assets | 1.8420% | 705 |
| Return on Equity (ROE) | 8.2397% | 2,678 |
| Retained earnings to average equity (ytd only) | 6.8744% | 1,128 |
| Net charge-offs to loans | 0.2582% | 1,009 |
| Credit loss provision to net charge-offs | 110.5991% | 2,352 |
| Earnings coverage of net charge-offs (x) | 10.2258% | 2,703 |
| Efficiency ratio | 48.9298% | 5,267 |
| Assets per employee ($millions) | 7.2553% | 862 |
| Cash dividends to net income (ytd only)* | 16.5700% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 886 |
| Loan loss allowance to noncurrent loans | 182.8105% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 2,135 |
| Noncurrent loans to loans | 0.9476% | 1,877 |
| Net loans and leases to total assets | 75.9451% | 1,608 |
| Net loans and leases to deposits | 88.2364% | 1,994 |
| Net loans and leases to core deposits | 105.2276% | 1,325 |
| Total domestic deposits to total assets | 86.0700% | 2,399 |
| Equity capital to assets | 13.8298% | 955 |
| Core capital (leverage) ratio | 13.3450% | 1,021 |
| Tier 1 risk-based capital ratio | 15.6051% | 2,583 |
| Total risk-based capital ratio | 16.8574% | 2,523 |
| Memoranda: | ||
| Average total assets | $107,438,000 | 4,109 |
| Average earning assets | $102,441,800 | 4,054 |
| Average equity | $14,648,600 | 3,763 |
| Average total loans | $84,056,200 | 3,657 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 1,746 |
| Cost of funding earning assets | 0.4715% | 2,506 |
| Net interest margin | 3.9931% | 1,723 |
| Noninterest income to average assets | 0.2403% | 4,766 |
| Noninterest expense to average assets | 1.9447% | 5,051 |
| Loan and lease loss provision to assets | 0.2241% | 826 |
| Net operating income to assets | 1.2973% | 1,344 |
| Return on assets (ROA) | 1.2973% | 1,379 |
| Pretax return on assets | 1.8675% | 751 |
| Return on Equity (ROE) | 9.5498% | 2,323 |
| Retained earnings to average equity (ytd only) | 8.6333% | 971 |
| Net charge-offs to loans | 0.0603% | 2,259 |
| Credit loss provision to net charge-offs | 473.6842% | 677 |
| Earnings coverage of net charge-offs (x) | 44.2064% | 1,217 |
| Efficiency ratio | 48.1801% | 5,332 |
| Assets per employee ($millions) | 6.8942% | 990 |
| Cash dividends to net income (ytd only)* | 9.5969% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 807 |
| Loan loss allowance to noncurrent loans | 204.9415% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,416 |
| Noncurrent loans to loans | 0.8922% | 2,146 |
| Net loans and leases to total assets | 76.7114% | 1,468 |
| Net loans and leases to deposits | 88.9293% | 1,936 |
| Net loans and leases to core deposits | 105.6761% | 1,293 |
| Total domestic deposits to total assets | 86.2611% | 2,201 |
| Equity capital to assets | 13.6120% | 1,118 |
| Core capital (leverage) ratio | 14.0766% | 878 |
| Tier 1 risk-based capital ratio | 15.6610% | 2,648 |
| Total risk-based capital ratio | 16.9150% | 2,589 |
| Memoranda: | ||
| Average total assets | $107,090,000 | 4,155 |
| Average earning assets | $101,806,500 | 4,106 |
| Average equity | $14,548,000 | 3,815 |
| Average total loans | $84,043,250 | 3,683 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 1,815 |
| Cost of funding earning assets | 0.4672% | 2,438 |
| Net interest margin | 3.9320% | 1,834 |
| Noninterest income to average assets | 0.2415% | 4,794 |
| Noninterest expense to average assets | 1.9393% | 5,107 |
| Loan and lease loss provision to assets | 0.2264% | 767 |
| Net operating income to assets | 1.2602% | 1,406 |
| Return on assets (ROA) | 1.2602% | 1,433 |
| Pretax return on assets | 1.8072% | 826 |
| Return on Equity (ROE) | 9.2827% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.2827% | 765 |
| Net charge-offs to loans | 0.0096% | 3,121 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 269.5000% | 320 |
| Efficiency ratio | 48.8129% | 5,366 |
| Assets per employee ($millions) | 6.1012% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 794 |
| Loan loss allowance to noncurrent loans | 177.9564% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 2,108 |
| Noncurrent loans to loans | 1.0399% | 1,893 |
| Net loans and leases to total assets | 79.2588% | 1,056 |
| Net loans and leases to deposits | 92.4922% | 1,432 |
| Net loans and leases to core deposits | 107.6246% | 1,125 |
| Total domestic deposits to total assets | 85.6924% | 2,524 |
| Equity capital to assets | 14.2112% | 898 |
| Core capital (leverage) ratio | 14.1271% | 822 |
| Tier 1 risk-based capital ratio | 15.9973% | 2,511 |
| Total risk-based capital ratio | 17.2524% | 2,445 |
| Memoranda: | ||
| Average total assets | $106,017,670 | 4,207 |
| Average earning assets | $100,610,000 | 4,151 |
| Average equity | $14,392,330 | 3,841 |
| Average total loans | $83,326,330 | 3,711 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 1,848 |
| Cost of funding earning assets | 0.4368% | 2,649 |
| Net interest margin | 3.9037% | 1,764 |
| Noninterest income to average assets | 0.2463% | 4,773 |
| Noninterest expense to average assets | 1.9297% | 5,184 |
| Loan and lease loss provision to assets | 0.2240% | 702 |
| Net operating income to assets | 1.2541% | 1,366 |
| Return on assets (ROA) | 1.2541% | 1,399 |
| Pretax return on assets | 1.7953% | 813 |
| Return on Equity (ROE) | 9.4525% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.4525% | 934 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8658% | 5,426 |
| Assets per employee ($millions) | 6.3406% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 993 |
| Loan loss allowance to noncurrent loans | 351.5294% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,622 |
| Noncurrent loans to loans | 0.5066% | 3,292 |
| Net loans and leases to total assets | 76.4366% | 1,338 |
| Net loans and leases to deposits | 88.3787% | 1,748 |
| Net loans and leases to core deposits | 101.6972% | 1,388 |
| Total domestic deposits to total assets | 86.4876% | 2,446 |
| Equity capital to assets | 13.3575% | 1,126 |
| Core capital (leverage) ratio | 13.8405% | 882 |
| Tier 1 risk-based capital ratio | 15.8744% | 2,600 |
| Total risk-based capital ratio | 17.1287% | 2,546 |
| Memoranda: | ||
| Average total assets | $107,166,000 | 4,225 |
| Average earning assets | $101,647,000 | 4,177 |
| Average equity | $14,218,500 | 3,888 |
| Average total loans | $83,110,500 | 3,738 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,226 |
| Cost of funding earning assets | 0.4675% | 2,378 |
| Net interest margin | 3.8081% | 2,292 |
| Noninterest income to average assets | 0.2789% | 4,744 |
| Noninterest expense to average assets | 1.9713% | 5,251 |
| Loan and lease loss provision to assets | 0.2284% | 949 |
| Net operating income to assets | 1.2107% | 1,472 |
| Return on assets (ROA) | 1.2107% | 1,557 |
| Pretax return on assets | 1.6686% | 1,086 |
| Return on Equity (ROE) | 9.4277% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.0571% | 579 |
| Net charge-offs to loans | 0.0989% | 2,294 |
| Credit loss provision to net charge-offs | 307.6923% | 963 |
| Earnings coverage of net charge-offs (x) | 25.5513% | 1,584 |
| Efficiency ratio | 50.9596% | 5,438 |
| Assets per employee ($millions) | 6.2672% | 1,284 |
| Cash dividends to net income (ytd only)* | 3.9308% | 4,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 1,057 |
| Loan loss allowance to noncurrent loans | 177.9156% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 2,472 |
| Noncurrent loans to loans | 0.9789% | 2,136 |
| Net loans and leases to total assets | 75.9344% | 1,523 |
| Net loans and leases to deposits | 87.5449% | 1,983 |
| Net loans and leases to core deposits | 102.2406% | 1,433 |
| Total domestic deposits to total assets | 86.7376% | 2,268 |
| Equity capital to assets | 13.1770% | 1,182 |
| Core capital (leverage) ratio | 12.8155% | 1,205 |
| Tier 1 risk-based capital ratio | 15.1118% | 2,920 |
| Total risk-based capital ratio | 16.3656% | 2,848 |
| Memoranda: | ||
| Average total assets | $105,059,000 | 4,255 |
| Average earning assets | $99,027,000 | 4,227 |
| Average equity | $13,492,200 | 4,026 |
| Average total loans | $78,854,600 | 3,826 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 2,369 |
| Cost of funding earning assets | 0.4668% | 2,400 |
| Net interest margin | 3.7759% | 2,425 |
| Noninterest income to average assets | 0.2789% | 4,775 |
| Noninterest expense to average assets | 1.9308% | 5,334 |
| Loan and lease loss provision to assets | 0.2292% | 875 |
| Net operating income to assets | 1.1832% | 1,696 |
| Return on assets (ROA) | 1.1832% | 1,799 |
| Pretax return on assets | 1.6837% | 1,161 |
| Return on Equity (ROE) | 9.2744% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.2744% | 740 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2319% | 5,489 |
| Assets per employee ($millions) | 6.5115% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 1,056 |
| Loan loss allowance to noncurrent loans | 303.7657% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,696 |
| Noncurrent loans to loans | 0.5844% | 3,256 |
| Net loans and leases to total assets | 72.5832% | 2,097 |
| Net loans and leases to deposits | 83.0398% | 2,595 |
| Net loans and leases to core deposits | 95.7971% | 2,012 |
| Total domestic deposits to total assets | 87.4077% | 1,710 |
| Equity capital to assets | 12.4857% | 1,789 |
| Core capital (leverage) ratio | 13.2030% | 1,108 |
| Tier 1 risk-based capital ratio | 14.0260% | 3,549 |
| Total risk-based capital ratio | 15.2793% | 3,466 |
| Memoranda: | ||
| Average total assets | $104,688,250 | 4,307 |
| Average earning assets | $98,835,500 | 4,259 |
| Average equity | $13,355,500 | 4,074 |
| Average total loans | $77,984,250 | 3,876 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,292 |
| Cost of funding earning assets | 0.4714% | 2,358 |
| Net interest margin | 3.7901% | 2,361 |
| Noninterest income to average assets | 0.2668% | 4,881 |
| Noninterest expense to average assets | 1.9204% | 5,418 |
| Loan and lease loss provision to assets | 0.2337% | 858 |
| Net operating income to assets | 1.1900% | 1,637 |
| Return on assets (ROA) | 1.1900% | 1,732 |
| Pretax return on assets | 1.6828% | 1,136 |
| Return on Equity (ROE) | 9.2573% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.2573% | 781 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0508% | 5,556 |
| Assets per employee ($millions) | 5.9365% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 1,153 |
| Loan loss allowance to noncurrent loans | 465.5518% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 4,317 |
| Noncurrent loans to loans | 0.3784% | 4,008 |
| Net loans and leases to total assets | 76.9255% | 1,350 |
| Net loans and leases to deposits | 89.6239% | 1,791 |
| Net loans and leases to core deposits | 101.9421% | 1,474 |
| Total domestic deposits to total assets | 85.8315% | 2,503 |
| Equity capital to assets | 13.4115% | 1,279 |
| Core capital (leverage) ratio | 13.0537% | 1,126 |
| Tier 1 risk-based capital ratio | 15.1698% | 2,995 |
| Total risk-based capital ratio | 16.4234% | 2,929 |
| Memoranda: | ||
| Average total assets | $102,686,000 | 4,375 |
| Average earning assets | $96,725,330 | 4,331 |
| Average equity | $13,200,330 | 4,124 |
| Average total loans | $76,713,000 | 3,931 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 2,660 |
| Cost of funding earning assets | 0.4787% | 2,288 |
| Net interest margin | 3.6689% | 2,808 |
| Noninterest income to average assets | 0.2742% | 4,765 |
| Noninterest expense to average assets | 1.9234% | 5,491 |
| Loan and lease loss provision to assets | 0.2317% | 791 |
| Net operating income to assets | 1.1084% | 1,868 |
| Return on assets (ROA) | 1.1084% | 1,973 |
| Pretax return on assets | 1.5526% | 1,425 |
| Return on Equity (ROE) | 8.8084% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.8084% | 1,172 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8750% | 5,521 |
| Assets per employee ($millions) | 6.1791% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 1,372 |
| Loan loss allowance to noncurrent loans | 510.3448% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 4,562 |
| Noncurrent loans to loans | 0.3332% | 4,239 |
| Net loans and leases to total assets | 73.3017% | 1,832 |
| Net loans and leases to deposits | 84.8567% | 2,208 |
| Net loans and leases to core deposits | 94.6643% | 1,922 |
| Total domestic deposits to total assets | 86.3828% | 2,501 |
| Equity capital to assets | 12.5595% | 1,646 |
| Core capital (leverage) ratio | 13.2095% | 1,078 |
| Tier 1 risk-based capital ratio | 14.5350% | 3,376 |
| Total risk-based capital ratio | 15.7870% | 3,313 |
| Memoranda: | ||
| Average total assets | $103,568,500 | 4,398 |
| Average earning assets | $96,923,000 | 4,362 |
| Average equity | $13,033,000 | 4,159 |
| Average total loans | $75,556,500 | 3,984 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,906 |
| Cost of funding earning assets | 0.4528% | 2,601 |
| Net interest margin | 3.6499% | 2,939 |
| Noninterest income to average assets | 0.2407% | 5,159 |
| Noninterest expense to average assets | 1.9351% | 5,569 |
| Loan and lease loss provision to assets | 0.2357% | 826 |
| Net operating income to assets | 1.0787% | 2,011 |
| Return on assets (ROA) | 1.0815% | 2,067 |
| Pretax return on assets | 1.4940% | 1,574 |
| Return on Equity (ROE) | 8.8327% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.6294% | 1,054 |
| Net charge-offs to loans | 0.0028% | 4,371 |
| Credit loss provision to net charge-offs | 12,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 878.5000% | 68 |
| Efficiency ratio | 52.8575% | 5,590 |
| Assets per employee ($millions) | 6.3808% | 1,154 |
| Cash dividends to net income (ytd only)* | 13.6240% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,246 |
| Loan loss allowance to noncurrent loans | 459.2058% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,503 |
| Noncurrent loans to loans | 0.3806% | 4,086 |
| Net loans and leases to total assets | 70.0440% | 2,361 |
| Net loans and leases to deposits | 80.3438% | 2,785 |
| Net loans and leases to core deposits | 88.5156% | 2,550 |
| Total domestic deposits to total assets | 87.1803% | 2,039 |
| Equity capital to assets | 12.6091% | 1,559 |
| Core capital (leverage) ratio | 12.5417% | 1,328 |
| Tier 1 risk-based capital ratio | 14.9227% | 3,213 |
| Total risk-based capital ratio | 16.1761% | 3,144 |
| Memoranda: | ||
| Average total assets | $101,804,800 | 4,426 |
| Average earning assets | $95,399,000 | 4,405 |
| Average equity | $12,465,000 | 4,223 |
| Average total loans | $71,520,000 | 4,056 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 2,912 |
| Cost of funding earning assets | 0.4526% | 2,655 |
| Net interest margin | 3.6532% | 2,946 |
| Noninterest income to average assets | 0.2425% | 5,195 |
| Noninterest expense to average assets | 1.8846% | 5,662 |
| Loan and lease loss provision to assets | 0.2359% | 762 |
| Net operating income to assets | 1.0996% | 2,009 |
| Return on assets (ROA) | 1.0996% | 2,090 |
| Pretax return on assets | 1.5386% | 1,579 |
| Return on Equity (ROE) | 9.0483% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.0483% | 882 |
| Net charge-offs to loans | 0.0037% | 4,050 |
| Credit loss provision to net charge-offs | 9,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 676.1386% | 110 |
| Efficiency ratio | 51.5043% | 5,682 |
| Assets per employee ($millions) | 6.4484% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 1,522 |
| Loan loss allowance to noncurrent loans | 419.3772% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 4,087 |
| Noncurrent loans to loans | 0.4008% | 4,180 |
| Net loans and leases to total assets | 68.7201% | 2,580 |
| Net loans and leases to deposits | 78.5766% | 3,041 |
| Net loans and leases to core deposits | 88.2283% | 2,640 |
| Total domestic deposits to total assets | 87.4563% | 1,819 |
| Equity capital to assets | 12.3925% | 1,801 |
| Core capital (leverage) ratio | 12.7315% | 1,303 |
| Tier 1 risk-based capital ratio | 14.5457% | 3,538 |
| Total risk-based capital ratio | 15.7977% | 3,457 |
| Memoranda: | ||
| Average total assets | $101,732,750 | 4,479 |
| Average earning assets | $95,147,000 | 4,454 |
| Average equity | $12,363,000 | 4,288 |
| Average total loans | $71,204,500 | 4,104 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 2,854 |
| Cost of funding earning assets | 0.4491% | 2,741 |
| Net interest margin | 3.6628% | 2,866 |
| Noninterest income to average assets | 0.2272% | 5,342 |
| Noninterest expense to average assets | 1.8607% | 5,767 |
| Loan and lease loss provision to assets | 0.2370% | 768 |
| Net operating income to assets | 1.1081% | 1,921 |
| Return on assets (ROA) | 1.1081% | 2,007 |
| Pretax return on assets | 1.5447% | 1,506 |
| Return on Equity (ROE) | 9.1802% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.1802% | 868 |
| Net charge-offs to loans | 0.0056% | 3,703 |
| Credit loss provision to net charge-offs | 6,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 148 |
| Efficiency ratio | 51.0846% | 5,795 |
| Assets per employee ($millions) | 6.1428% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,868 |
| Loan loss allowance to noncurrent loans | 426.6667% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 4,218 |
| Noncurrent loans to loans | 0.3777% | 4,353 |
| Net loans and leases to total assets | 71.5661% | 2,061 |
| Net loans and leases to deposits | 82.0881% | 2,541 |
| Net loans and leases to core deposits | 92.3447% | 2,122 |
| Total domestic deposits to total assets | 87.1820% | 2,063 |
| Equity capital to assets | 12.6948% | 1,551 |
| Core capital (leverage) ratio | 12.6591% | 1,309 |
| Tier 1 risk-based capital ratio | 14.7761% | 3,489 |
| Total risk-based capital ratio | 16.0272% | 3,418 |
| Memoranda: | ||
| Average total assets | $101,252,000 | 4,527 |
| Average earning assets | $94,409,000 | 4,514 |
| Average equity | $12,222,000 | 4,340 |
| Average total loans | $70,901,330 | 4,140 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,060 |
| Cost of funding earning assets | 0.4418% | 2,861 |
| Net interest margin | 3.6061% | 2,975 |
| Noninterest income to average assets | 0.2025% | 5,504 |
| Noninterest expense to average assets | 1.8611% | 5,811 |
| Loan and lease loss provision to assets | 0.2336% | 738 |
| Net operating income to assets | 1.0396% | 2,081 |
| Return on assets (ROA) | 1.0396% | 2,227 |
| Pretax return on assets | 1.4445% | 1,737 |
| Return on Equity (ROE) | 8.8305% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.8305% | 1,258 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5853% | 5,778 |
| Assets per employee ($millions) | 6.4968% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 2,155 |
| Loan loss allowance to noncurrent loans | 387.9433% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,863 |
| Noncurrent loans to loans | 0.4052% | 4,377 |
| Net loans and leases to total assets | 65.9003% | 2,793 |
| Net loans and leases to deposits | 74.8770% | 3,174 |
| Net loans and leases to core deposits | 82.4173% | 2,918 |
| Total domestic deposits to total assets | 88.0113% | 1,810 |
| Equity capital to assets | 11.7828% | 2,212 |
| Core capital (leverage) ratio | 12.3469% | 1,428 |
| Tier 1 risk-based capital ratio | 13.9393% | 4,062 |
| Total risk-based capital ratio | 15.1889% | 3,986 |
| Memoranda: | ||
| Average total assets | $102,736,000 | 4,533 |
| Average earning assets | $95,062,000 | 4,531 |
| Average equity | $12,094,500 | 4,399 |
| Average total loans | $70,607,000 | 4,169 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,636 |
| Cost of funding earning assets | 0.4570% | 3,104 |
| Net interest margin | 3.5646% | 3,543 |
| Noninterest income to average assets | 0.3051% | 4,930 |
| Noninterest expense to average assets | 1.9852% | 5,797 |
| Loan and lease loss provision to assets | 0.1627% | 1,614 |
| Net operating income to assets | 1.0994% | 1,978 |
| Return on assets (ROA) | 1.0994% | 2,033 |
| Pretax return on assets | 1.5052% | 1,521 |
| Return on Equity (ROE) | 9.4609% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.4609% | 612 |
| Net charge-offs to loans | 0.3527% | 1,239 |
| Credit loss provision to net charge-offs | 69.2641% | 3,094 |
| Earnings coverage of net charge-offs (x) | 7.0996% | 3,090 |
| Efficiency ratio | 54.3430% | 5,815 |
| Assets per employee ($millions) | 6.3453% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 2,721 |
| Loan loss allowance to noncurrent loans | 360.2787% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 4,907 |
| Noncurrent loans to loans | 0.4007% | 4,442 |
| Net loans and leases to total assets | 69.5244% | 2,301 |
| Net loans and leases to deposits | 80.8041% | 2,620 |
| Net loans and leases to core deposits | 90.1663% | 2,259 |
| Total domestic deposits to total assets | 86.0407% | 2,814 |
| Equity capital to assets | 11.7618% | 2,201 |
| Core capital (leverage) ratio | 11.9066% | 1,691 |
| Tier 1 risk-based capital ratio | 14.3072% | 3,893 |
| Total risk-based capital ratio | 15.4452% | 3,902 |
| Memoranda: | ||
| Average total assets | $98,328,000 | 4,643 |
| Average earning assets | $92,351,400 | 4,599 |
| Average equity | $11,426,000 | 4,472 |
| Average total loans | $65,496,000 | 4,317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,816 |
| Cost of funding earning assets | 0.4662% | 3,088 |
| Net interest margin | 3.5190% | 3,758 |
| Noninterest income to average assets | 0.3131% | 4,938 |
| Noninterest expense to average assets | 1.9399% | 5,883 |
| Loan and lease loss provision to assets | 0.1367% | 1,826 |
| Net operating income to assets | 1.1278% | 1,941 |
| Return on assets (ROA) | 1.1278% | 2,003 |
| Pretax return on assets | 1.5489% | 1,485 |
| Return on Equity (ROE) | 9.7366% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.7366% | 768 |
| Net charge-offs to loans | 0.4815% | 819 |
| Credit loss provision to net charge-offs | 43.2900% | 3,233 |
| Earnings coverage of net charge-offs (x) | 5.3377% | 3,288 |
| Efficiency ratio | 53.5068% | 5,874 |
| Assets per employee ($millions) | 6.4284% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 2,837 |
| Loan loss allowance to noncurrent loans | 311.1821% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 5,047 |
| Noncurrent loans to loans | 0.4742% | 4,481 |
| Net loans and leases to total assets | 63.2294% | 3,303 |
| Net loans and leases to deposits | 71.5233% | 3,735 |
| Net loans and leases to core deposits | 78.1865% | 3,518 |
| Total domestic deposits to total assets | 88.4040% | 1,551 |
| Equity capital to assets | 11.4074% | 2,574 |
| Core capital (leverage) ratio | 11.8517% | 1,794 |
| Tier 1 risk-based capital ratio | 13.7971% | 4,360 |
| Total risk-based capital ratio | 14.9352% | 4,362 |
| Memoranda: | ||
| Average total assets | $97,529,000 | 4,706 |
| Average earning assets | $91,803,750 | 4,648 |
| Average equity | $11,297,250 | 4,531 |
| Average total loans | $63,965,500 | 4,405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,833 |
| Cost of funding earning assets | 0.4595% | 3,220 |
| Net interest margin | 3.5172% | 3,712 |
| Noninterest income to average assets | 0.3363% | 4,737 |
| Noninterest expense to average assets | 1.9571% | 5,904 |
| Loan and lease loss provision to assets | 0.0835% | 2,635 |
| Net operating income to assets | 1.1843% | 1,639 |
| Return on assets (ROA) | 1.1843% | 1,714 |
| Pretax return on assets | 1.6208% | 1,199 |
| Return on Equity (ROE) | 10.1686% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.1686% | 684 |
| Net charge-offs to loans | 0.0095% | 4,084 |
| Credit loss provision to net charge-offs | 1,333.3333% | 268 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 251 |
| Efficiency ratio | 53.4512% | 5,959 |
| Assets per employee ($millions) | 5.8716% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 1,821 |
| Loan loss allowance to noncurrent loans | 220.4633% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 4,042 |
| Noncurrent loans to loans | 0.8213% | 3,652 |
| Net loans and leases to total assets | 65.9155% | 2,759 |
| Net loans and leases to deposits | 75.2320% | 3,159 |
| Net loans and leases to core deposits | 83.2515% | 2,815 |
| Total domestic deposits to total assets | 87.6163% | 2,132 |
| Equity capital to assets | 12.2049% | 1,851 |
| Core capital (leverage) ratio | 12.0880% | 1,611 |
| Tier 1 risk-based capital ratio | 14.8431% | 3,722 |
| Total risk-based capital ratio | 15.9659% | 3,752 |
| Memoranda: | ||
| Average total assets | $95,754,000 | 4,775 |
| Average earning assets | $90,525,670 | 4,716 |
| Average equity | $11,152,000 | 4,568 |
| Average total loans | $63,284,670 | 4,448 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 3,880 |
| Cost of funding earning assets | 0.4520% | 3,407 |
| Net interest margin | 3.5015% | 3,685 |
| Noninterest income to average assets | 0.2400% | 5,440 |
| Noninterest expense to average assets | 1.9698% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1132% | 1,760 |
| Return on assets (ROA) | 1.1132% | 1,820 |
| Pretax return on assets | 1.5726% | 1,229 |
| Return on Equity (ROE) | 9.7863% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.7863% | 1,018 |
| Net charge-offs to loans | 0.0189% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 386 |
| Efficiency ratio | 55.6075% | 5,870 |
| Assets per employee ($millions) | 6.0928% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 2,224 |
| Loan loss allowance to noncurrent loans | 109.6517% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 2,997 |
| Noncurrent loans to loans | 1.5855% | 2,439 |
| Net loans and leases to total assets | 63.8909% | 2,909 |
| Net loans and leases to deposits | 72.2661% | 3,301 |
| Net loans and leases to core deposits | 72.8085% | 3,780 |
| Total domestic deposits to total assets | 88.4105% | 1,987 |
| Equity capital to assets | 11.4130% | 2,320 |
| Core capital (leverage) ratio | 11.6196% | 1,886 |
| Tier 1 risk-based capital ratio | 13.7365% | 4,513 |
| Total risk-based capital ratio | 14.8695% | 4,547 |
| Memoranda: | ||
| Average total assets | $96,658,000 | 4,807 |
| Average earning assets | $91,160,000 | 4,746 |
| Average equity | $10,995,000 | 4,615 |
| Average total loans | $63,393,500 | 4,481 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 3,773 |
| Cost of funding earning assets | 0.5271% | 3,329 |
| Net interest margin | 3.5645% | 3,624 |
| Noninterest income to average assets | 0.2493% | 5,562 |
| Noninterest expense to average assets | 2.0612% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1509% | 1,756 |
| Return on assets (ROA) | 1.1509% | 1,823 |
| Pretax return on assets | 1.5239% | 1,371 |
| Return on Equity (ROE) | 10.3630% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.3630% | 510 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4940% | 5,794 |
| Assets per employee ($millions) | 5.9894% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,258 |
| Loan loss allowance to noncurrent loans | 343.1677% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 4,943 |
| Noncurrent loans to loans | 0.5079% | 4,727 |
| Net loans and leases to total assets | 65.0061% | 2,867 |
| Net loans and leases to deposits | 73.3948% | 3,346 |
| Net loans and leases to core deposits | 80.4203% | 3,078 |
| Total domestic deposits to total assets | 88.5705% | 1,876 |
| Equity capital to assets | 11.3366% | 2,307 |
| Core capital (leverage) ratio | 11.0862% | 2,309 |
| Tier 1 risk-based capital ratio | 14.0644% | 4,258 |
| Total risk-based capital ratio | 15.1712% | 4,286 |
| Memoranda: | ||
| Average total assets | $93,053,600 | 4,906 |
| Average earning assets | $87,081,000 | 4,853 |
| Average equity | $10,334,800 | 4,779 |
| Average total loans | $59,134,200 | 4,642 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 3,835 |
| Cost of funding earning assets | 0.5413% | 3,354 |
| Net interest margin | 3.5410% | 3,707 |
| Noninterest income to average assets | 0.2281% | 5,799 |
| Noninterest expense to average assets | 2.0254% | 5,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0726% | 2,109 |
| Return on assets (ROA) | 1.0726% | 2,190 |
| Pretax return on assets | 1.5172% | 1,555 |
| Return on Equity (ROE) | 9.7098% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.7098% | 850 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1720% | 5,781 |
| Assets per employee ($millions) | 5.5884% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 2,140 |
| Loan loss allowance to noncurrent loans | 876.9841% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 5,737 |
| Noncurrent loans to loans | 0.2109% | 5,712 |
| Net loans and leases to total assets | 61.7176% | 3,415 |
| Net loans and leases to deposits | 69.4342% | 3,862 |
| Net loans and leases to core deposits | 77.2962% | 3,460 |
| Total domestic deposits to total assets | 88.8865% | 1,621 |
| Equity capital to assets | 11.0156% | 2,742 |
| Core capital (leverage) ratio | 11.3972% | 2,124 |
| Tier 1 risk-based capital ratio | 13.7663% | 4,591 |
| Total risk-based capital ratio | 14.8837% | 4,628 |
| Memoranda: | ||
| Average total assets | $92,359,250 | 4,967 |
| Average earning assets | $86,451,250 | 4,916 |
| Average equity | $10,202,500 | 4,847 |
| Average total loans | $58,067,500 | 4,727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,829 |
| Cost of funding earning assets | 0.5311% | 3,591 |
| Net interest margin | 3.5443% | 3,589 |
| Noninterest income to average assets | 0.2296% | 5,806 |
| Noninterest expense to average assets | 1.9874% | 6,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0975% | 1,937 |
| Return on assets (ROA) | 1.0975% | 2,049 |
| Pretax return on assets | 1.5545% | 1,469 |
| Return on Equity (ROE) | 9.9259% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.9259% | 862 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1111% | 5,954 |
| Assets per employee ($millions) | 5.2409% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,063 |
| Loan loss allowance to noncurrent loans | 751.7007% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 5,659 |
| Noncurrent loans to loans | 0.2553% | 5,670 |
| Net loans and leases to total assets | 63.3912% | 3,025 |
| Net loans and leases to deposits | 71.5821% | 3,514 |
| Net loans and leases to core deposits | 79.7096% | 3,060 |
| Total domestic deposits to total assets | 88.5573% | 1,886 |
| Equity capital to assets | 11.3720% | 2,408 |
| Core capital (leverage) ratio | 11.1091% | 2,251 |
| Tier 1 risk-based capital ratio | 14.3722% | 4,178 |
| Total risk-based capital ratio | 15.4834% | 4,225 |
| Memoranda: | ||
| Average total assets | $91,478,330 | 5,022 |
| Average earning assets | $85,490,000 | 4,966 |
| Average equity | $10,115,000 | 4,911 |
| Average total loans | $57,510,670 | 4,766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 4,208 |
| Cost of funding earning assets | 0.5251% | 3,838 |
| Net interest margin | 3.4526% | 3,893 |
| Noninterest income to average assets | 0.2417% | 5,729 |
| Noninterest expense to average assets | 1.9294% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0662% | 1,976 |
| Return on assets (ROA) | 1.0662% | 2,089 |
| Pretax return on assets | 1.5194% | 1,516 |
| Return on Equity (ROE) | 9.7759% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.7759% | 1,163 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9449% | 6,068 |
| Assets per employee ($millions) | 6.3833% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 2,158 |
| Loan loss allowance to noncurrent loans | 504.5662% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 5,584 |
| Noncurrent loans to loans | 0.3876% | 5,445 |
| Net loans and leases to total assets | 57.8611% | 3,796 |
| Net loans and leases to deposits | 65.0052% | 4,185 |
| Net loans and leases to core deposits | 71.0391% | 3,951 |
| Total domestic deposits to total assets | 89.0099% | 1,677 |
| Equity capital to assets | 10.6736% | 3,346 |
| Core capital (leverage) ratio | 10.8440% | 2,410 |
| Tier 1 risk-based capital ratio | 14.4335% | 4,220 |
| Total risk-based capital ratio | 15.5243% | 4,279 |
| Memoranda: | ||
| Average total assets | $92,669,500 | 5,034 |
| Average earning assets | $86,079,500 | 4,982 |
| Average equity | $10,106,500 | 4,962 |
| Average total loans | $57,474,000 | 4,796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 4,986 |
| Cost of funding earning assets | 0.6376% | 4,028 |
| Net interest margin | 3.4516% | 4,699 |
| Noninterest income to average assets | 0.2759% | 5,487 |
| Noninterest expense to average assets | 1.9410% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1490% | 1,770 |
| Return on assets (ROA) | 1.1490% | 1,942 |
| Pretax return on assets | 1.5806% | 1,436 |
| Return on Equity (ROE) | 10.8632% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.2322% | 553 |
| Net charge-offs to loans | 0.0290% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 88.8125% | 438 |
| Efficiency ratio | 55.1169% | 6,154 |
| Assets per employee ($millions) | 5.9726% | 1,295 |
| Cash dividends to net income (ytd only)* | 5.8083% | 4,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 2,320 |
| Loan loss allowance to noncurrent loans | 1,042.4528% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 5,968 |
| Noncurrent loans to loans | 0.1814% | 6,017 |
| Net loans and leases to total assets | 63.9989% | 2,897 |
| Net loans and leases to deposits | 72.2899% | 3,359 |
| Net loans and leases to core deposits | 77.3776% | 3,352 |
| Total domestic deposits to total assets | 88.5310% | 1,883 |
| Equity capital to assets | 11.1543% | 2,786 |
| Core capital (leverage) ratio | 10.4304% | 2,849 |
| Tier 1 risk-based capital ratio | 14.8448% | 3,807 |
| Total risk-based capital ratio | 15.9465% | 3,854 |
| Memoranda: | ||
| Average total assets | $89,902,800 | 5,085 |
| Average earning assets | $84,541,200 | 5,000 |
| Average equity | $9,509,200 | 5,107 |
| Average total loans | $55,205,400 | 4,895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 5,235 |
| Cost of funding earning assets | 0.6519% | 4,179 |
| Net interest margin | 3.4361% | 4,896 |
| Noninterest income to average assets | 0.2741% | 5,591 |
| Noninterest expense to average assets | 1.8937% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1232% | 2,014 |
| Return on assets (ROA) | 1.1232% | 2,211 |
| Pretax return on assets | 1.6136% | 1,526 |
| Return on Equity (ROE) | 10.7649% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.3389% | 830 |
| Net charge-offs to loans | 0.0049% | 5,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 543.8052% | 80 |
| Efficiency ratio | 53.9924% | 6,250 |
| Assets per employee ($millions) | 6.3096% | 1,058 |
| Cash dividends to net income (ytd only)* | 3.9579% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 1,951 |
| Loan loss allowance to noncurrent loans | 635.7955% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 5,956 |
| Noncurrent loans to loans | 0.3276% | 5,817 |
| Net loans and leases to total assets | 55.5767% | 4,510 |
| Net loans and leases to deposits | 62.2529% | 4,940 |
| Net loans and leases to core deposits | 67.6466% | 4,761 |
| Total domestic deposits to total assets | 89.2756% | 1,260 |
| Equity capital to assets | 10.3578% | 4,007 |
| Core capital (leverage) ratio | 10.6423% | 2,765 |
| Tier 1 risk-based capital ratio | 13.1530% | 5,126 |
| Total risk-based capital ratio | 14.2792% | 5,177 |
| Memoranda: | ||
| Average total assets | $89,981,250 | 5,142 |
| Average earning assets | $84,668,500 | 5,053 |
| Average equity | $9,388,250 | 5,181 |
| Average total loans | $54,396,500 | 4,979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 5,278 |
| Cost of funding earning assets | 0.6774% | 4,199 |
| Net interest margin | 3.4348% | 4,947 |
| Noninterest income to average assets | 0.3031% | 5,384 |
| Noninterest expense to average assets | 1.9315% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1377% | 1,922 |
| Return on assets (ROA) | 1.1377% | 2,140 |
| Pretax return on assets | 1.6285% | 1,464 |
| Return on Equity (ROE) | 10.8757% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.2270% | 913 |
| Net charge-offs to loans | 0.0073% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 115 |
| Efficiency ratio | 54.2567% | 6,296 |
| Assets per employee ($millions) | 5.8364% | 1,341 |
| Cash dividends to net income (ytd only)* | 5.9642% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 2,135 |
| Loan loss allowance to noncurrent loans | 990.2655% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 6,142 |
| Noncurrent loans to loans | 0.2058% | 6,170 |
| Net loans and leases to total assets | 61.4488% | 3,541 |
| Net loans and leases to deposits | 69.2088% | 4,008 |
| Net loans and leases to core deposits | 72.8183% | 4,194 |
| Total domestic deposits to total assets | 88.7876% | 1,646 |
| Equity capital to assets | 10.8686% | 3,267 |
| Core capital (leverage) ratio | 10.3699% | 2,961 |
| Tier 1 risk-based capital ratio | 13.5067% | 4,818 |
| Total risk-based capital ratio | 14.6336% | 4,875 |
| Memoranda: | ||
| Average total assets | $88,427,000 | 5,214 |
| Average earning assets | $83,848,670 | 5,108 |
| Average equity | $9,250,000 | 5,211 |
| Average total loans | $54,622,330 | 5,002 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 5,584 |
| Cost of funding earning assets | 0.6883% | 4,383 |
| Net interest margin | 3.3701% | 5,237 |
| Noninterest income to average assets | 0.2611% | 5,782 |
| Noninterest expense to average assets | 1.9175% | 6,613 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0893% | 2,142 |
| Return on assets (ROA) | 1.0893% | 2,323 |
| Pretax return on assets | 1.5394% | 1,772 |
| Return on Equity (ROE) | 10.6169% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.3008% | 1,475 |
| Net charge-offs to loans | 0.0147% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 211 |
| Efficiency ratio | 55.4688% | 6,186 |
| Assets per employee ($millions) | 6.1055% | 1,215 |
| Cash dividends to net income (ytd only)* | 12.3967% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 2,133 |
| Loan loss allowance to noncurrent loans | 442.2925% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 5,874 |
| Noncurrent loans to loans | 0.4720% | 5,731 |
| Net loans and leases to total assets | 57.3109% | 4,161 |
| Net loans and leases to deposits | 63.9345% | 4,647 |
| Net loans and leases to core deposits | 70.0088% | 4,416 |
| Total domestic deposits to total assets | 89.6400% | 1,276 |
| Equity capital to assets | 10.0554% | 4,059 |
| Core capital (leverage) ratio | 10.3436% | 2,936 |
| Tier 1 risk-based capital ratio | 12.2158% | 5,813 |
| Total risk-based capital ratio | 13.3546% | 5,869 |
| Memoranda: | ||
| Average total assets | $88,867,500 | 5,246 |
| Average earning assets | $84,269,500 | 5,132 |
| Average equity | $9,117,500 | 5,255 |
| Average total loans | $54,476,000 | 5,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 5,279 |
| Cost of funding earning assets | 0.9105% | 4,047 |
| Net interest margin | 3.5297% | 5,025 |
| Noninterest income to average assets | 0.2787% | 5,535 |
| Noninterest expense to average assets | 2.1037% | 6,484 |
| Loan and lease loss provision to assets | 0.1812% | 4,383 |
| Net operating income to assets | 0.9812% | 2,276 |
| Return on assets (ROA) | 0.9812% | 2,412 |
| Pretax return on assets | 1.3324% | 2,006 |
| Return on Equity (ROE) | 9.1712% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.4702% | 931 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1548% | 6,033 |
| Assets per employee ($millions) | 5.7435% | 1,412 |
| Cash dividends to net income (ytd only)* | 7.6433% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 2,196 |
| Loan loss allowance to noncurrent loans | 950.0000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 6,297 |
| Noncurrent loans to loans | 0.2132% | 6,313 |
| Net loans and leases to total assets | 62.9411% | 3,419 |
| Net loans and leases to deposits | 70.5852% | 4,011 |
| Net loans and leases to core deposits | 76.4745% | 3,911 |
| Total domestic deposits to total assets | 89.1703% | 1,439 |
| Equity capital to assets | 10.4768% | 3,562 |
| Core capital (leverage) ratio | 10.3052% | 2,964 |
| Tier 1 risk-based capital ratio | 12.4712% | 5,476 |
| Total risk-based capital ratio | 13.6149% | 5,539 |
| Memoranda: | ||
| Average total assets | $80,003,200 | 5,455 |
| Average earning assets | $75,671,600 | 5,355 |
| Average equity | $8,559,400 | 5,386 |
| Average total loans | $51,308,600 | 5,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 5,286 |
| Cost of funding earning assets | 0.9476% | 4,065 |
| Net interest margin | 3.5401% | 5,023 |
| Noninterest income to average assets | 0.2770% | 5,635 |
| Noninterest expense to average assets | 2.1070% | 6,490 |
| Loan and lease loss provision to assets | 0.2464% | 3,542 |
| Net operating income to assets | 0.8921% | 2,770 |
| Return on assets (ROA) | 0.8921% | 2,923 |
| Pretax return on assets | 1.2625% | 2,420 |
| Return on Equity (ROE) | 8.2909% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.3433% | 1,793 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2707% | 5,969 |
| Assets per employee ($millions) | 5.9022% | 1,267 |
| Cash dividends to net income (ytd only)* | 11.4289% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 1,835 |
| Loan loss allowance to noncurrent loans | 983.3333% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 6,373 |
| Noncurrent loans to loans | 0.2248% | 6,424 |
| Net loans and leases to total assets | 60.0077% | 4,125 |
| Net loans and leases to deposits | 67.3490% | 4,716 |
| Net loans and leases to core deposits | 73.4712% | 4,534 |
| Total domestic deposits to total assets | 89.0997% | 1,368 |
| Equity capital to assets | 10.6062% | 3,562 |
| Core capital (leverage) ratio | 10.5253% | 2,840 |
| Tier 1 risk-based capital ratio | 12.5712% | 5,431 |
| Total risk-based capital ratio | 13.8260% | 5,412 |
| Memoranda: | ||
| Average total assets | $78,466,000 | 5,540 |
| Average earning assets | $74,008,000 | 5,444 |
| Average equity | $8,442,750 | 5,455 |
| Average total loans | $50,299,250 | 5,298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 5,292 |
| Cost of funding earning assets | 0.9803% | 4,088 |
| Net interest margin | 3.5395% | 4,976 |
| Noninterest income to average assets | 0.2647% | 5,757 |
| Noninterest expense to average assets | 2.1381% | 6,524 |
| Loan and lease loss provision to assets | 0.2725% | 3,212 |
| Net operating income to assets | 0.8485% | 2,865 |
| Return on assets (ROA) | 0.8485% | 2,960 |
| Pretax return on assets | 1.1988% | 2,487 |
| Return on Equity (ROE) | 7.8458% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.1260% | 1,819 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2380% | 5,994 |
| Assets per employee ($millions) | 5.6087% | 1,476 |
| Cash dividends to net income (ytd only)* | 9.1743% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 1,893 |
| Loan loss allowance to noncurrent loans | 825.1908% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 6,345 |
| Noncurrent loans to loans | 0.2682% | 6,390 |
| Net loans and leases to total assets | 60.8250% | 4,125 |
| Net loans and leases to deposits | 68.5129% | 4,634 |
| Net loans and leases to core deposits | 74.6697% | 4,486 |
| Total domestic deposits to total assets | 88.7789% | 1,679 |
| Equity capital to assets | 10.8810% | 3,090 |
| Core capital (leverage) ratio | 10.5887% | 2,624 |
| Tier 1 risk-based capital ratio | 12.7756% | 5,112 |
| Total risk-based capital ratio | 14.0304% | 5,080 |
| Memoranda: | ||
| Average total assets | $77,077,670 | 5,620 |
| Average earning assets | $72,835,000 | 5,530 |
| Average equity | $8,335,670 | 5,507 |
| Average total loans | $50,163,670 | 5,349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 5,338 |
| Cost of funding earning assets | 1.0018% | 4,192 |
| Net interest margin | 3.4981% | 5,022 |
| Noninterest income to average assets | 0.2515% | 5,893 |
| Noninterest expense to average assets | 2.1217% | 6,586 |
| Loan and lease loss provision to assets | 0.2881% | 2,843 |
| Net operating income to assets | 0.8225% | 2,919 |
| Return on assets (ROA) | 0.8225% | 2,978 |
| Pretax return on assets | 1.1525% | 2,550 |
| Return on Equity (ROE) | 7.6292% | 3,085 |
| Retained earnings to average equity (ytd only) | 6.1714% | 2,541 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5588% | 6,048 |
| Assets per employee ($millions) | 5.7151% | 1,396 |
| Cash dividends to net income (ytd only)* | 19.1083% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0949% | 2,197 |
| Loan loss allowance to noncurrent loans | 741.7266% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 6,388 |
| Noncurrent loans to loans | 0.2824% | 6,426 |
| Net loans and leases to total assets | 60.2210% | 4,223 |
| Net loans and leases to deposits | 67.4591% | 4,752 |
| Net loans and leases to core deposits | 72.7844% | 4,680 |
| Total domestic deposits to total assets | 89.2704% | 1,599 |
| Equity capital to assets | 10.3797% | 3,309 |
| Core capital (leverage) ratio | 10.3931% | 2,710 |
| Tier 1 risk-based capital ratio | 11.9432% | 5,744 |
| Total risk-based capital ratio | 13.1962% | 5,729 |
| Memoranda: | ||
| Average total assets | $76,355,500 | 5,692 |
| Average earning assets | $72,268,000 | 5,595 |
| Average equity | $8,231,500 | 5,543 |
| Average total loans | $50,824,500 | 5,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 3,634 |
| Cost of funding earning assets | 1.1589% | 4,796 |
| Net interest margin | 4.0362% | 2,857 |
| Noninterest income to average assets | 0.2970% | 5,667 |
| Noninterest expense to average assets | 2.2215% | 6,563 |
| Loan and lease loss provision to assets | 0.3355% | 4,136 |
| Net operating income to assets | 1.0765% | 1,772 |
| Return on assets (ROA) | 1.0765% | 1,869 |
| Pretax return on assets | 1.4991% | 1,375 |
| Return on Equity (ROE) | 9.5702% | 2,086 |
| Retained earnings to average equity (ytd only) | 8.8087% | 749 |
| Net charge-offs to loans | -0.0040% | 7,253 |
| Credit loss provision to net charge-offs | -11,750.0000% | 7,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7694% | 6,739 |
| Assets per employee ($millions) | 5.1928% | 1,869 |
| Cash dividends to net income (ytd only)* | 7.9576% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 2,661 |
| Loan loss allowance to noncurrent loans | 560.9195% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 6,258 |
| Noncurrent loans to loans | 0.3318% | 6,390 |
| Net loans and leases to total assets | 70.7823% | 2,358 |
| Net loans and leases to deposits | 80.0653% | 3,163 |
| Net loans and leases to core deposits | 89.3027% | 2,856 |
| Total domestic deposits to total assets | 88.4056% | 2,012 |
| Equity capital to assets | 11.2216% | 2,477 |
| Core capital (leverage) ratio | 10.8780% | 2,247 |
| Tier 1 risk-based capital ratio | 12.9930% | 4,598 |
| Total risk-based capital ratio | 14.2467% | 4,568 |
| Memoranda: | ||
| Average total assets | $70,042,200 | 5,888 |
| Average earning assets | $65,234,200 | 5,822 |
| Average equity | $7,878,600 | 5,757 |
| Average total loans | $49,937,400 | 5,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 3,698 |
| Cost of funding earning assets | 1.1795% | 4,986 |
| Net interest margin | 4.0474% | 2,870 |
| Noninterest income to average assets | 0.2960% | 5,767 |
| Noninterest expense to average assets | 2.1908% | 6,628 |
| Loan and lease loss provision to assets | 0.3363% | 3,915 |
| Net operating income to assets | 1.0570% | 2,047 |
| Return on assets (ROA) | 1.0570% | 2,154 |
| Pretax return on assets | 1.5278% | 1,536 |
| Return on Equity (ROE) | 9.3910% | 2,352 |
| Retained earnings to average equity (ytd only) | 8.3665% | 1,288 |
| Net charge-offs to loans | -0.0054% | 7,216 |
| Credit loss provision to net charge-offs | -8,750.0000% | 7,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0284% | 6,784 |
| Assets per employee ($millions) | 5.3385% | 1,781 |
| Cash dividends to net income (ytd only)* | 10.9093% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,816 |
| Loan loss allowance to noncurrent loans | 159.8604% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 5,237 |
| Noncurrent loans to loans | 1.1196% | 5,004 |
| Net loans and leases to total assets | 67.2487% | 3,398 |
| Net loans and leases to deposits | 75.7924% | 4,212 |
| Net loans and leases to core deposits | 81.0178% | 4,381 |
| Total domestic deposits to total assets | 88.7274% | 1,548 |
| Equity capital to assets | 10.7949% | 3,171 |
| Core capital (leverage) ratio | 11.1029% | 2,190 |
| Tier 1 risk-based capital ratio | 12.3759% | 5,097 |
| Total risk-based capital ratio | 13.5237% | 5,175 |
| Memoranda: | ||
| Average total assets | $69,378,000 | 5,958 |
| Average earning assets | $64,434,750 | 5,905 |
| Average equity | $7,808,750 | 5,855 |
| Average total loans | $49,313,250 | 5,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 3,345 |
| Cost of funding earning assets | 1.2125% | 5,057 |
| Net interest margin | 4.1130% | 2,500 |
| Noninterest income to average assets | 0.2989% | 5,756 |
| Noninterest expense to average assets | 2.2666% | 6,448 |
| Loan and lease loss provision to assets | 0.3403% | 3,699 |
| Net operating income to assets | 1.0504% | 2,013 |
| Return on assets (ROA) | 1.0504% | 2,088 |
| Pretax return on assets | 1.5061% | 1,544 |
| Return on Equity (ROE) | 9.1941% | 2,388 |
| Retained earnings to average equity (ytd only) | 8.4171% | 1,290 |
| Net charge-offs to loans | -0.0082% | 7,169 |
| Credit loss provision to net charge-offs | -5,750.0000% | 7,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1079% | 6,748 |
| Assets per employee ($millions) | 4.8869% | 2,319 |
| Cash dividends to net income (ytd only)* | 8.4507% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 2,986 |
| Loan loss allowance to noncurrent loans | 486.3636% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 6,354 |
| Noncurrent loans to loans | 0.3545% | 6,526 |
| Net loans and leases to total assets | 71.3171% | 2,588 |
| Net loans and leases to deposits | 81.0582% | 3,421 |
| Net loans and leases to core deposits | 84.6278% | 4,051 |
| Total domestic deposits to total assets | 87.9825% | 2,014 |
| Equity capital to assets | 11.5249% | 2,421 |
| Core capital (leverage) ratio | 11.1934% | 2,109 |
| Tier 1 risk-based capital ratio | 13.2826% | 4,218 |
| Total risk-based capital ratio | 14.5358% | 4,178 |
| Memoranda: | ||
| Average total assets | $67,591,000 | 6,051 |
| Average earning assets | $62,680,000 | 5,997 |
| Average equity | $7,722,330 | 5,893 |
| Average total loans | $48,692,000 | 5,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 3,516 |
| Cost of funding earning assets | 1.1964% | 5,432 |
| Net interest margin | 4.1103% | 2,402 |
| Noninterest income to average assets | 0.2918% | 5,811 |
| Noninterest expense to average assets | 2.2924% | 6,400 |
| Loan and lease loss provision to assets | 0.3275% | 3,441 |
| Net operating income to assets | 1.0241% | 2,097 |
| Return on assets (ROA) | 1.0241% | 2,158 |
| Pretax return on assets | 1.4767% | 1,580 |
| Return on Equity (ROE) | 9.0041% | 2,497 |
| Retained earnings to average equity (ytd only) | 7.4336% | 1,957 |
| Net charge-offs to loans | -0.0083% | 6,865 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9593% | 6,770 |
| Assets per employee ($millions) | 4.9874% | 2,247 |
| Cash dividends to net income (ytd only)* | 17.4419% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,286 |
| Loan loss allowance to noncurrent loans | 261.5132% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,980 |
| Noncurrent loans to loans | 0.6276% | 6,061 |
| Net loans and leases to total assets | 68.2287% | 3,332 |
| Net loans and leases to deposits | 77.3867% | 4,149 |
| Net loans and leases to core deposits | 81.5390% | 4,552 |
| Total domestic deposits to total assets | 88.1660% | 1,964 |
| Equity capital to assets | 11.0306% | 2,732 |
| Core capital (leverage) ratio | 11.3642% | 1,992 |
| Tier 1 risk-based capital ratio | 12.8457% | 4,440 |
| Total risk-based capital ratio | 14.0978% | 4,414 |
| Memoranda: | ||
| Average total assets | $67,178,000 | 6,132 |
| Average earning assets | $62,185,500 | 6,074 |
| Average equity | $7,641,000 | 5,963 |
| Average total loans | $48,213,500 | 5,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 3,164 |
| Cost of funding earning assets | 1.3509% | 6,140 |
| Net interest margin | 4.3377% | 1,607 |
| Noninterest income to average assets | 0.3685% | 5,456 |
| Noninterest expense to average assets | 2.5562% | 5,933 |
| Loan and lease loss provision to assets | 0.2632% | 5,302 |
| Net operating income to assets | 1.0741% | 1,584 |
| Return on assets (ROA) | 1.0741% | 1,631 |
| Pretax return on assets | 1.6054% | 952 |
| Return on Equity (ROE) | 8.9992% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.5858% | 569 |
| Net charge-offs to loans | 0.0200% | 6,943 |
| Credit loss provision to net charge-offs | 1,777.7778% | 176 |
| Earnings coverage of net charge-offs (x) | 126.2222% | 229 |
| Efficiency ratio | 57.7695% | 6,794 |
| Assets per employee ($millions) | 4.6094% | 2,748 |
| Cash dividends to net income (ytd only)* | 4.5942% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,529 |
| Loan loss allowance to noncurrent loans | 378.9744% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 6,201 |
| Noncurrent loans to loans | 0.4063% | 6,466 |
| Net loans and leases to total assets | 73.2241% | 2,442 |
| Net loans and leases to deposits | 83.5405% | 3,356 |
| Net loans and leases to core deposits | 105.8250% | 3,363 |
| Total domestic deposits to total assets | 87.6511% | 2,144 |
| Equity capital to assets | 11.7461% | 2,166 |
| Core capital (leverage) ratio | 11.2446% | 2,078 |
| Tier 1 risk-based capital ratio | 13.6571% | 3,714 |
| Total risk-based capital ratio | 14.9080% | 3,652 |
| Memoranda: | ||
| Average total assets | $60,793,600 | 6,317 |
| Average earning assets | $56,850,600 | 6,256 |
| Average equity | $7,256,200 | 6,188 |
| Average total loans | $45,024,800 | 5,869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 3,364 |
| Cost of funding earning assets | 1.3731% | 6,322 |
| Net interest margin | 4.3217% | 1,671 |
| Noninterest income to average assets | 0.4076% | 5,229 |
| Noninterest expense to average assets | 2.5815% | 5,775 |
| Loan and lease loss provision to assets | 0.2227% | 5,190 |
| Net operating income to assets | 1.1382% | 1,613 |
| Return on assets (ROA) | 1.1382% | 1,685 |
| Pretax return on assets | 1.6483% | 1,075 |
| Return on Equity (ROE) | 9.4954% | 2,100 |
| Retained earnings to average equity (ytd only) | 8.9379% | 855 |
| Net charge-offs to loans | 0.0271% | 6,501 |
| Credit loss provision to net charge-offs | 1,111.1111% | 338 |
| Earnings coverage of net charge-offs (x) | 93.3308% | 378 |
| Efficiency ratio | 57.9790% | 6,716 |
| Assets per employee ($millions) | 4.3137% | 3,186 |
| Cash dividends to net income (ytd only)* | 5.8710% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 3,588 |
| Loan loss allowance to noncurrent loans | 320.2830% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 6,039 |
| Noncurrent loans to loans | 0.4594% | 6,400 |
| Net loans and leases to total assets | 75.2881% | 2,161 |
| Net loans and leases to deposits | 86.5003% | 3,227 |
| Net loans and leases to core deposits | 112.4805% | 2,971 |
| Total domestic deposits to total assets | 87.0380% | 2,168 |
| Equity capital to assets | 12.3377% | 2,039 |
| Core capital (leverage) ratio | 11.9312% | 1,832 |
| Tier 1 risk-based capital ratio | 14.3535% | 3,356 |
| Total risk-based capital ratio | 15.4867% | 3,365 |
| Memoranda: | ||
| Average total assets | $59,859,000 | 6,396 |
| Average earning assets | $56,026,000 | 6,335 |
| Average equity | $7,175,250 | 6,268 |
| Average total loans | $44,283,000 | 5,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 3,726 |
| Cost of funding earning assets | 1.3837% | 6,538 |
| Net interest margin | 4.2842% | 1,691 |
| Noninterest income to average assets | 0.3184% | 5,956 |
| Noninterest expense to average assets | 2.6038% | 5,726 |
| Loan and lease loss provision to assets | 0.1676% | 5,392 |
| Net operating income to assets | 1.0724% | 1,867 |
| Return on assets (ROA) | 1.0724% | 1,945 |
| Pretax return on assets | 1.5415% | 1,347 |
| Return on Equity (ROE) | 9.0353% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.0353% | 925 |
| Net charge-offs to loans | 0.0366% | 5,940 |
| Credit loss provision to net charge-offs | 625.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 566 |
| Efficiency ratio | 60.3730% | 6,486 |
| Assets per employee ($millions) | 4.2866% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 3,422 |
| Loan loss allowance to noncurrent loans | 71.5909% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 3,659 |
| Noncurrent loans to loans | 2.0362% | 3,466 |
| Net loans and leases to total assets | 70.9630% | 3,473 |
| Net loans and leases to deposits | 81.2419% | 4,351 |
| Net loans and leases to core deposits | 101.7270% | 4,305 |
| Total domestic deposits to total assets | 87.3477% | 2,073 |
| Equity capital to assets | 12.0557% | 2,171 |
| Core capital (leverage) ratio | 11.7154% | 1,967 |
| Tier 1 risk-based capital ratio | 14.4685% | 3,271 |
| Total risk-based capital ratio | 15.5914% | 3,268 |
| Memoranda: | ||
| Average total assets | $59,681,330 | 6,461 |
| Average earning assets | $55,646,330 | 6,407 |
| Average equity | $7,083,330 | 6,339 |
| Average total loans | $43,661,670 | 6,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 3,839 |
| Cost of funding earning assets | 1.4141% | 6,685 |
| Net interest margin | 4.2784% | 1,652 |
| Noninterest income to average assets | 0.3360% | 5,767 |
| Noninterest expense to average assets | 2.6817% | 5,094 |
| Loan and lease loss provision to assets | 0.1344% | 5,237 |
| Net operating income to assets | 1.0552% | 2,118 |
| Return on assets (ROA) | 1.0552% | 2,252 |
| Pretax return on assets | 1.5055% | 1,654 |
| Return on Equity (ROE) | 8.9618% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.9618% | 1,496 |
| Net charge-offs to loans | 0.0638% | 4,569 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 34.8571% | 950 |
| Efficiency ratio | 62.0529% | 6,038 |
| Assets per employee ($millions) | 4.2276% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,636 |
| Loan loss allowance to noncurrent loans | 118.7747% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 4,525 |
| Noncurrent loans to loans | 1.1578% | 4,671 |
| Net loans and leases to total assets | 72.8217% | 3,048 |
| Net loans and leases to deposits | 83.4951% | 4,060 |
| Net loans and leases to core deposits | 101.9828% | 4,349 |
| Total domestic deposits to total assets | 87.2168% | 2,114 |
| Equity capital to assets | 11.9790% | 2,275 |
| Core capital (leverage) ratio | 11.7934% | 2,001 |
| Tier 1 risk-based capital ratio | 14.4896% | 3,315 |
| Total risk-based capital ratio | 15.7400% | 3,238 |
| Memoranda: | ||
| Average total assets | $59,515,500 | 6,488 |
| Average earning assets | $55,441,500 | 6,437 |
| Average equity | $7,007,500 | 6,407 |
| Average total loans | $43,884,000 | 6,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2018% | 4,509 |
| Cost of funding earning assets | 2.2883% | 5,212 |
| Net interest margin | 3.9135% | 3,502 |
| Noninterest income to average assets | 0.4001% | 5,472 |
| Noninterest expense to average assets | 2.5530% | 5,818 |
| Loan and lease loss provision to assets | 0.0987% | 6,119 |
| Net operating income to assets | 0.9734% | 2,677 |
| Return on assets (ROA) | 0.9734% | 2,556 |
| Pretax return on assets | 1.3977% | 1,978 |
| Return on Equity (ROE) | 8.5185% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.1543% | 1,103 |
| Net charge-offs to loans | 0.0559% | 5,983 |
| Credit loss provision to net charge-offs | 247.8261% | 1,882 |
| Earnings coverage of net charge-offs (x) | 37.5652% | 984 |
| Efficiency ratio | 63.0453% | 5,767 |
| Assets per employee ($millions) | 3.9896% | 3,538 |
| Cash dividends to net income (ytd only)* | 16.0142% | 4,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,567 |
| Loan loss allowance to noncurrent loans | 178.7234% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 4,907 |
| Noncurrent loans to loans | 0.7466% | 5,162 |
| Net loans and leases to total assets | 72.6522% | 3,448 |
| Net loans and leases to deposits | 85.5681% | 4,175 |
| Net loans and leases to core deposits | 103.3787% | 4,457 |
| Total domestic deposits to total assets | 84.9058% | 2,884 |
| Equity capital to assets | 11.5718% | 2,588 |
| Core capital (leverage) ratio | 11.4749% | 2,268 |
| Tier 1 risk-based capital ratio | 14.4049% | 3,335 |
| Total risk-based capital ratio | 15.6556% | 3,254 |
| Memoranda: | ||
| Average total assets | $57,735,800 | 6,463 |
| Average earning assets | $53,839,400 | 6,422 |
| Average equity | $6,597,400 | 6,607 |
| Average total loans | $41,121,200 | 6,117 |