Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8039% | 421 |
| Cost of funding earning assets | 3.5795% | 94 |
| Net interest margin | 3.2244% | 2,961 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 1.7918% | 3,930 |
| Loan and lease loss provision to assets | 0.1900% | 635 |
| Net operating income to assets | 0.9923% | 2,291 |
| Return on assets (ROA) | 0.9831% | 2,319 |
| Pretax return on assets | 1.3133% | 1,933 |
| Return on Equity (ROE) | 9.5900% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.5851% | 1,281 |
| Net charge-offs to loans | 0.2679% | 435 |
| Credit loss provision to net charge-offs | 91.6497% | 1,331 |
| Earnings coverage of net charge-offs (x) | 7.3564% | 1,816 |
| Efficiency ratio | 49.8732% | 3,897 |
| Assets per employee ($millions) | 12.3968% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 3,649 |
| Loan loss allowance to noncurrent loans | 2,667.3387% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,541 |
| Noncurrent loans to loans | 0.0330% | 3,534 |
| Net loans and leases to total assets | 76.0000% | 1,087 |
| Net loans and leases to deposits | 95.8050% | 638 |
| Net loans and leases to core deposits | 134.3007% | 275 |
| Total domestic deposits to total assets | 79.3300% | 3,668 |
| Equity capital to assets | 10.2582% | 2,070 |
| Core capital (leverage) ratio | 9.9305% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7501% | 2,285 |
| Memoranda: | ||
| Average total assets | $954,556,000 | 1,084 |
| Average earning assets | $883,262,000 | 1,072 |
| Average equity | $97,901,500 | 1,065 |
| Average total loans | $733,096,000 | 992 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9802% | 407 |
| Cost of funding earning assets | 3.7304% | 121 |
| Net interest margin | 3.2498% | 2,616 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 1.8323% | 3,910 |
| Loan and lease loss provision to assets | 0.3700% | 307 |
| Net operating income to assets | 0.8077% | 2,673 |
| Return on assets (ROA) | 0.8186% | 2,648 |
| Pretax return on assets | 1.1498% | 2,111 |
| Return on Equity (ROE) | 7.5700% | 2,872 |
| Retained earnings to average equity (ytd only) | 4.7609% | 2,332 |
| Net charge-offs to loans | 0.0119% | 2,474 |
| Credit loss provision to net charge-offs | 4,029.8507% | 131 |
| Earnings coverage of net charge-offs (x) | 165.2687% | 581 |
| Efficiency ratio | 51.7067% | 3,896 |
| Assets per employee ($millions) | 11.6220% | 479 |
| Cash dividends to net income (ytd only)* | 37.1395% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,415 |
| Loan loss allowance to noncurrent loans | 3,701.6129% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,582 |
| Noncurrent loans to loans | 0.0260% | 3,561 |
| Net loans and leases to total assets | 76.1900% | 1,120 |
| Net loans and leases to deposits | 102.4560% | 378 |
| Net loans and leases to core deposits | 143.4633% | 208 |
| Total domestic deposits to total assets | 74.3600% | 4,042 |
| Equity capital to assets | 10.2541% | 1,993 |
| Core capital (leverage) ratio | 9.6054% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8912% | 2,554 |
| Memoranda: | ||
| Average total assets | $737,110,400 | 1,304 |
| Average earning assets | $681,617,600 | 1,302 |
| Average equity | $79,670,400 | 1,205 |
| Average total loans | $562,569,000 | 1,185 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8015% | 488 |
| Cost of funding earning assets | 3.6515% | 153 |
| Net interest margin | 3.1500% | 2,792 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 1.7491% | 4,008 |
| Loan and lease loss provision to assets | 0.3500% | 290 |
| Net operating income to assets | 0.7679% | 2,783 |
| Return on assets (ROA) | 0.8033% | 2,693 |
| Pretax return on assets | 1.1525% | 2,117 |
| Return on Equity (ROE) | 7.3100% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.3060% | 1,635 |
| Net charge-offs to loans | 0.0058% | 2,457 |
| Credit loss provision to net charge-offs | 7,826.0870% | 68 |
| Earnings coverage of net charge-offs (x) | 327.0870% | 355 |
| Efficiency ratio | 51.8205% | 3,874 |
| Assets per employee ($millions) | 10.9065% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 3,683 |
| Loan loss allowance to noncurrent loans | 646.1951% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,995 |
| Noncurrent loans to loans | 0.1387% | 2,986 |
| Net loans and leases to total assets | 74.5600% | 1,293 |
| Net loans and leases to deposits | 102.5431% | 380 |
| Net loans and leases to core deposits | 141.7607% | 235 |
| Total domestic deposits to total assets | 72.7100% | 4,137 |
| Equity capital to assets | 10.9429% | 1,762 |
| Core capital (leverage) ratio | 10.0677% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3091% | 2,461 |
| Memoranda: | ||
| Average total assets | $688,947,250 | 1,352 |
| Average earning assets | $637,564,500 | 1,352 |
| Average equity | $75,753,250 | 1,247 |
| Average total loans | $524,405,000 | 1,247 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2071% | 904 |
| Cost of funding earning assets | 3.3261% | 253 |
| Net interest margin | 2.8810% | 3,281 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 1.4437% | 4,306 |
| Loan and lease loss provision to assets | 0.4200% | 220 |
| Net operating income to assets | 0.7676% | 2,735 |
| Return on assets (ROA) | 0.7475% | 2,808 |
| Pretax return on assets | 1.0659% | 2,294 |
| Return on Equity (ROE) | 6.7800% | 3,056 |
| Retained earnings to average equity (ytd only) | 6.7825% | 1,726 |
| Net charge-offs to loans | -0.0013% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 48.8707% | 4,073 |
| Assets per employee ($millions) | 18.1370% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 3,822 |
| Loan loss allowance to noncurrent loans | 613.1347% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 2,945 |
| Noncurrent loans to loans | 0.1389% | 2,954 |
| Net loans and leases to total assets | 74.2800% | 1,383 |
| Net loans and leases to deposits | 100.8450% | 510 |
| Net loans and leases to core deposits | 139.8488% | 265 |
| Total domestic deposits to total assets | 73.6600% | 4,093 |
| Equity capital to assets | 10.8304% | 1,646 |
| Core capital (leverage) ratio | 15.5321% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0012% | 2,569 |
| Memoranda: | ||
| Average total assets | $620,485,667 | 1,477 |
| Average earning assets | $575,087,000 | 1,482 |
| Average equity | $68,382,333 | 1,327 |
| Average total loans | $474,924,333 | 1,350 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5364% | 546 |
| Cost of funding earning assets | 3.5016% | 155 |
| Net interest margin | 3.0348% | 2,913 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 1.4468% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2984% | 1,235 |
| Return on assets (ROA) | 1.2506% | 1,338 |
| Pretax return on assets | 1.5962% | 1,098 |
| Return on Equity (ROE) | 11.1800% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.1781% | 884 |
| Net charge-offs to loans | -0.0021% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 46.6181% | 4,158 |
| Assets per employee ($millions) | 14.7893% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,011 |
| Loan loss allowance to noncurrent loans | 496.8458% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,523 |
| Noncurrent loans to loans | 0.2131% | 2,569 |
| Net loans and leases to total assets | 79.0600% | 726 |
| Net loans and leases to deposits | 117.5964% | 93 |
| Net loans and leases to core deposits | 172.2867% | 120 |
| Total domestic deposits to total assets | 67.2300% | 4,354 |
| Equity capital to assets | 11.1633% | 1,447 |
| Core capital (leverage) ratio | 12.3645% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1501% | 1,816 |
| Memoranda: | ||
| Average total assets | $495,441,500 | 1,776 |
| Average earning assets | $459,337,000 | 1,772 |
| Average equity | $55,430,000 | 1,554 |
| Average total loans | $386,266,000 | 1,551 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 460 |
| Cost of funding earning assets | 2.8568% | 189 |
| Net interest margin | 3.3984% | 2,406 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.6546% | 4,192 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.3693% | 1,279 |
| Return on assets (ROA) | 1.4202% | 1,153 |
| Pretax return on assets | 1.7824% | 912 |
| Return on Equity (ROE) | 11.4900% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.8800% | 1,578 |
| Net charge-offs to loans | -0.0050% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.6400% | 4,104 |
| Assets per employee ($millions) | 13.9442% | 261 |
| Cash dividends to net income (ytd only)* | 31.4040% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,564 |
| Loan loss allowance to noncurrent loans | 453.3049% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 2,263 |
| Noncurrent loans to loans | 0.2530% | 2,282 |
| Net loans and leases to total assets | 75.1000% | 1,228 |
| Net loans and leases to deposits | 110.1418% | 194 |
| Net loans and leases to core deposits | 162.0586% | 146 |
| Total domestic deposits to total assets | 68.1800% | 4,341 |
| Equity capital to assets | 11.2134% | 1,400 |
| Core capital (leverage) ratio | 12.5580% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6315% | 1,647 |
| Memoranda: | ||
| Average total assets | $425,774,200 | 1,935 |
| Average earning assets | $393,802,000 | 1,932 |
| Average equity | $52,639,400 | 1,539 |
| Average total loans | $321,423,000 | 1,718 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 488 |
| Cost of funding earning assets | 2.2235% | 321 |
| Net interest margin | 3.6964% | 1,820 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.7091% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6355% | 896 |
| Return on assets (ROA) | 1.6456% | 884 |
| Pretax return on assets | 2.1560% | 571 |
| Return on Equity (ROE) | 12.5700% | 1,994 |
| Retained earnings to average equity (ytd only) | 12.5684% | 874 |
| Net charge-offs to loans | -0.0088% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.3653% | 4,239 |
| Assets per employee ($millions) | 11.8706% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,498 |
| Loan loss allowance to noncurrent loans | 392.6078% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,047 |
| Noncurrent loans to loans | 0.3028% | 2,049 |
| Net loans and leases to total assets | 74.3900% | 1,236 |
| Net loans and leases to deposits | 108.2688% | 244 |
| Net loans and leases to core deposits | 135.6823% | 256 |
| Total domestic deposits to total assets | 68.7100% | 4,390 |
| Equity capital to assets | 12.4331% | 944 |
| Core capital (leverage) ratio | 14.4104% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7526% | 1,371 |
| Memoranda: | ||
| Average total assets | $393,419,000 | 2,029 |
| Average earning assets | $367,442,000 | 2,020 |
| Average equity | $51,510,000 | 1,565 |
| Average total loans | $295,326,333 | 1,800 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7991% | 418 |
| Cost of funding earning assets | 1.8714% | 391 |
| Net interest margin | 3.9277% | 1,413 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.7734% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7650% | 722 |
| Return on assets (ROA) | 1.7776% | 697 |
| Pretax return on assets | 2.3291% | 462 |
| Return on Equity (ROE) | 13.2000% | 1,944 |
| Retained earnings to average equity (ytd only) | 13.1995% | 1,057 |
| Net charge-offs to loans | -0.0113% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.3957% | 4,328 |
| Assets per employee ($millions) | 10.2306% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,876 |
| Loan loss allowance to noncurrent loans | 25,460.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,868 |
| Noncurrent loans to loans | 0.0052% | 3,807 |
| Net loans and leases to total assets | 74.5500% | 1,131 |
| Net loans and leases to deposits | 105.4202% | 267 |
| Net loans and leases to core deposits | 128.3901% | 295 |
| Total domestic deposits to total assets | 70.7200% | 4,398 |
| Equity capital to assets | 13.6874% | 638 |
| Core capital (leverage) ratio | 14.8658% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $376,457,500 | 2,116 |
| Average earning assets | $350,537,000 | 2,121 |
| Average equity | $50,699,000 | 1,594 |
| Average total loans | $282,134,500 | 1,873 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 764 |
| Cost of funding earning assets | 0.9610% | 194 |
| Net interest margin | 3.5094% | 1,904 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.7222% | 4,136 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4548% | 993 |
| Return on assets (ROA) | 1.4437% | 981 |
| Pretax return on assets | 1.8339% | 673 |
| Return on Equity (ROE) | 10.7400% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.5739% | 2,800 |
| Net charge-offs to loans | 0.0025% | 2,419 |
| Credit loss provision to net charge-offs | 4,814.2857% | 142 |
| Earnings coverage of net charge-offs (x) | 1,036.5714% | 173 |
| Efficiency ratio | 47.0520% | 4,297 |
| Assets per employee ($millions) | 10.1185% | 650 |
| Cash dividends to net income (ytd only)* | 48.1221% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,605 |
| Loan loss allowance to noncurrent loans | 25,406.6667% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,891 |
| Noncurrent loans to loans | 0.0054% | 3,832 |
| Net loans and leases to total assets | 73.3000% | 1,280 |
| Net loans and leases to deposits | 105.5870% | 253 |
| Net loans and leases to core deposits | 121.0835% | 353 |
| Total domestic deposits to total assets | 69.4200% | 4,483 |
| Equity capital to assets | 13.2450% | 667 |
| Core capital (leverage) ratio | 14.2649% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $374,395,000 | 2,125 |
| Average earning assets | $349,543,800 | 2,112 |
| Average equity | $50,306,200 | 1,613 |
| Average total loans | $280,761,000 | 1,814 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 999 |
| Cost of funding earning assets | 0.7487% | 201 |
| Net interest margin | 3.3853% | 2,025 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.6716% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4529% | 947 |
| Return on assets (ROA) | 1.4352% | 970 |
| Pretax return on assets | 1.8750% | 624 |
| Return on Equity (ROE) | 10.6400% | 2,527 |
| Retained earnings to average equity (ytd only) | 10.6429% | 1,156 |
| Net charge-offs to loans | -0.0028% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.8370% | 4,338 |
| Assets per employee ($millions) | 10.1349% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,277 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 73.6600% | 1,127 |
| Net loans and leases to deposits | 108.6118% | 141 |
| Net loans and leases to core deposits | 127.9471% | 165 |
| Total domestic deposits to total assets | 67.8200% | 4,565 |
| Equity capital to assets | 13.4758% | 619 |
| Core capital (leverage) ratio | 15.0604% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $374,397,750 | 2,132 |
| Average earning assets | $350,097,000 | 2,122 |
| Average equity | $50,486,000 | 1,638 |
| Average total loans | $281,392,000 | 1,801 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 1,162 |
| Cost of funding earning assets | 0.6254% | 235 |
| Net interest margin | 3.2484% | 2,058 |
| Noninterest income to average assets | 0.4532% | 2,423 |
| Noninterest expense to average assets | 1.6542% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4017% | 903 |
| Return on assets (ROA) | 1.3747% | 949 |
| Pretax return on assets | 1.8050% | 592 |
| Return on Equity (ROE) | 10.1936% | 2,269 |
| Retained earnings to average equity (ytd only) | 10.1936% | 968 |
| Net charge-offs to loans | -0.0021% | 3,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3531% | 4,384 |
| Assets per employee ($millions) | 10.1907% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.1395% | 906 |
| Net loans and leases to deposits | 103.5529% | 179 |
| Net loans and leases to core deposits | 120.8527% | 190 |
| Total domestic deposits to total assets | 71.5957% | 4,591 |
| Equity capital to assets | 13.7067% | 561 |
| Core capital (leverage) ratio | 14.3133% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,192,667 | 2,143 |
| Average earning assets | $350,200,000 | 2,138 |
| Average equity | $50,463,000 | 1,670 |
| Average total loans | $281,959,667 | 1,795 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 1,334 |
| Cost of funding earning assets | 0.5728% | 312 |
| Net interest margin | 3.0988% | 2,180 |
| Noninterest income to average assets | 0.4658% | 2,324 |
| Noninterest expense to average assets | 1.5953% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3656% | 867 |
| Return on assets (ROA) | 1.3137% | 960 |
| Pretax return on assets | 1.7139% | 663 |
| Return on Equity (ROE) | 9.8196% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.8196% | 1,068 |
| Net charge-offs to loans | -0.0028% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2710% | 4,442 |
| Assets per employee ($millions) | 10.3725% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.9037% | 665 |
| Net loans and leases to deposits | 104.4182% | 113 |
| Net loans and leases to core deposits | 122.2091% | 137 |
| Total domestic deposits to total assets | 70.7766% | 4,648 |
| Equity capital to assets | 13.0809% | 674 |
| Core capital (leverage) ratio | 13.6573% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,857,000 | 2,143 |
| Average earning assets | $354,723,500 | 2,132 |
| Average equity | $50,552,000 | 1,724 |
| Average total loans | $285,202,000 | 1,768 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 983 |
| Cost of funding earning assets | 0.6525% | 417 |
| Net interest margin | 3.5528% | 1,595 |
| Noninterest income to average assets | 0.4003% | 3,044 |
| Noninterest expense to average assets | 1.7639% | 4,201 |
| Loan and lease loss provision to assets | 0.1265% | 970 |
| Net operating income to assets | 1.4063% | 1,259 |
| Return on assets (ROA) | 1.4130% | 1,296 |
| Pretax return on assets | 1.8304% | 853 |
| Return on Equity (ROE) | 9.5278% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.2438% | 2,694 |
| Net charge-offs to loans | -0.4101% | 4,774 |
| Credit loss provision to net charge-offs | -40.6427% | 3,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5160% | 4,435 |
| Assets per employee ($millions) | 10.0522% | 653 |
| Cash dividends to net income (ytd only)* | 44.9625% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.2318% | 567 |
| Net loans and leases to deposits | 107.2270% | 100 |
| Net loans and leases to core deposits | 126.3455% | 120 |
| Total domestic deposits to total assets | 70.1612% | 4,680 |
| Equity capital to assets | 13.6858% | 727 |
| Core capital (leverage) ratio | 14.1476% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,985,000 | 2,246 |
| Average earning assets | $316,936,600 | 2,247 |
| Average equity | $50,421,000 | 1,754 |
| Average total loans | $258,002,600 | 1,888 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 1,088 |
| Cost of funding earning assets | 0.6856% | 411 |
| Net interest margin | 3.5284% | 1,790 |
| Noninterest income to average assets | 0.4277% | 2,940 |
| Noninterest expense to average assets | 1.7614% | 4,238 |
| Loan and lease loss provision to assets | 0.0455% | 2,089 |
| Net operating income to assets | 1.4579% | 1,370 |
| Return on assets (ROA) | 1.4614% | 1,412 |
| Pretax return on assets | 1.9136% | 924 |
| Return on Equity (ROE) | 9.6457% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.6915% | 1,805 |
| Net charge-offs to loans | -0.5594% | 4,848 |
| Credit loss provision to net charge-offs | -10.7008% | 3,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4008% | 4,418 |
| Assets per employee ($millions) | 9.7718% | 687 |
| Cash dividends to net income (ytd only)* | 9.8928% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.1466% | 603 |
| Net loans and leases to deposits | 109.2147% | 100 |
| Net loans and leases to core deposits | 128.0110% | 130 |
| Total domestic deposits to total assets | 68.8063% | 4,764 |
| Equity capital to assets | 14.7375% | 588 |
| Core capital (leverage) ratio | 15.0742% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,998,250 | 2,305 |
| Average earning assets | $309,405,750 | 2,303 |
| Average equity | $50,300,750 | 1,772 |
| Average total loans | $251,680,250 | 1,950 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 1,148 |
| Cost of funding earning assets | 0.7224% | 410 |
| Net interest margin | 3.4985% | 1,860 |
| Noninterest income to average assets | 0.4634% | 2,789 |
| Noninterest expense to average assets | 1.8082% | 4,166 |
| Loan and lease loss provision to assets | 0.0461% | 2,095 |
| Net operating income to assets | 1.4240% | 1,503 |
| Return on assets (ROA) | 1.4284% | 1,554 |
| Pretax return on assets | 1.8678% | 1,083 |
| Return on Equity (ROE) | 9.3359% | 3,001 |
| Retained earnings to average equity (ytd only) | 9.3359% | 1,607 |
| Net charge-offs to loans | -0.0032% | 3,310 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6522% | 4,345 |
| Assets per employee ($millions) | 9.5381% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 4,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.0389% | 748 |
| Net loans and leases to deposits | 111.2269% | 100 |
| Net loans and leases to core deposits | 128.7196% | 139 |
| Total domestic deposits to total assets | 66.5657% | 4,810 |
| Equity capital to assets | 14.8370% | 559 |
| Core capital (leverage) ratio | 16.2017% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,403,333 | 2,331 |
| Average earning assets | $302,584,333 | 2,332 |
| Average equity | $49,786,333 | 1,776 |
| Average total loans | $246,402,000 | 1,990 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 1,512 |
| Cost of funding earning assets | 0.7445% | 462 |
| Net interest margin | 3.3045% | 2,380 |
| Noninterest income to average assets | 0.4905% | 2,654 |
| Noninterest expense to average assets | 1.8545% | 4,098 |
| Loan and lease loss provision to assets | 0.0480% | 2,121 |
| Net operating income to assets | 1.2593% | 1,946 |
| Return on assets (ROA) | 1.2553% | 2,041 |
| Pretax return on assets | 1.6295% | 1,656 |
| Return on Equity (ROE) | 8.0721% | 3,300 |
| Retained earnings to average equity (ytd only) | 8.0721% | 2,211 |
| Net charge-offs to loans | -0.0066% | 3,506 |
| Credit loss provision to net charge-offs | -950.0000% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4303% | 3,962 |
| Assets per employee ($millions) | 8.5421% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,329 |
| Loan loss allowance to noncurrent loans | 67,833.3333% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,414 |
| Noncurrent loans to loans | 0.0012% | 4,334 |
| Net loans and leases to total assets | 78.2412% | 454 |
| Net loans and leases to deposits | 122.6594% | 55 |
| Net loans and leases to core deposits | 137.2736% | 99 |
| Total domestic deposits to total assets | 63.7874% | 4,863 |
| Equity capital to assets | 16.1357% | 376 |
| Core capital (leverage) ratio | 15.8058% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,419,000 | 2,365 |
| Average earning assets | $291,721,500 | 2,374 |
| Average equity | $49,206,500 | 1,784 |
| Average total loans | $241,452,500 | 2,020 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 1,733 |
| Cost of funding earning assets | 1.0562% | 482 |
| Net interest margin | 3.2897% | 3,094 |
| Noninterest income to average assets | 0.4726% | 2,760 |
| Noninterest expense to average assets | 1.7260% | 4,588 |
| Loan and lease loss provision to assets | 0.6287% | 302 |
| Net operating income to assets | 0.9421% | 2,515 |
| Return on assets (ROA) | 1.2637% | 1,458 |
| Pretax return on assets | 1.5729% | 1,126 |
| Return on Equity (ROE) | 8.5397% | 2,582 |
| Retained earnings to average equity (ytd only) | 6.2061% | 1,704 |
| Net charge-offs to loans | 1.0512% | 121 |
| Credit loss provision to net charge-offs | 81.8550% | 2,977 |
| Earnings coverage of net charge-offs (x) | 2.3431% | 3,173 |
| Efficiency ratio | 48.9544% | 4,586 |
| Assets per employee ($millions) | 9.2949% | 674 |
| Cash dividends to net income (ytd only)* | 27.3264% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.2421% | 1,119 |
| Net loans and leases to deposits | 112.5182% | 134 |
| Net loans and leases to core deposits | 134.9066% | 160 |
| Total domestic deposits to total assets | 65.0936% | 4,861 |
| Equity capital to assets | 14.9984% | 573 |
| Core capital (leverage) ratio | 14.8224% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,440,000 | 2,183 |
| Average earning assets | $298,321,600 | 2,192 |
| Average equity | $47,566,000 | 1,772 |
| Average total loans | $234,876,600 | 1,999 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,736 |
| Cost of funding earning assets | 1.1180% | 502 |
| Net interest margin | 3.3224% | 3,119 |
| Noninterest income to average assets | 0.4339% | 2,915 |
| Noninterest expense to average assets | 1.6513% | 4,677 |
| Loan and lease loss provision to assets | 0.6466% | 369 |
| Net operating income to assets | 0.8790% | 2,779 |
| Return on assets (ROA) | 1.2964% | 1,459 |
| Pretax return on assets | 1.7678% | 833 |
| Return on Equity (ROE) | 8.7910% | 2,479 |
| Retained earnings to average equity (ytd only) | 8.7910% | 1,039 |
| Net charge-offs to loans | -0.0091% | 4,206 |
| Credit loss provision to net charge-offs | -9,712.5000% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6831% | 4,681 |
| Assets per employee ($millions) | 9.4412% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,146 |
| Loan loss allowance to noncurrent loans | 161.0197% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 1,541 |
| Noncurrent loans to loans | 0.9836% | 1,523 |
| Net loans and leases to total assets | 75.4236% | 1,174 |
| Net loans and leases to deposits | 116.8945% | 138 |
| Net loans and leases to core deposits | 178.4805% | 55 |
| Total domestic deposits to total assets | 64.5228% | 4,880 |
| Equity capital to assets | 14.8141% | 681 |
| Core capital (leverage) ratio | 14.6952% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,469,750 | 2,169 |
| Average earning assets | $299,333,500 | 2,161 |
| Average equity | $47,259,250 | 1,770 |
| Average total loans | $233,529,500 | 2,009 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,525 |
| Cost of funding earning assets | 1.2248% | 467 |
| Net interest margin | 3.4291% | 3,009 |
| Noninterest income to average assets | 0.4491% | 2,812 |
| Noninterest expense to average assets | 1.5999% | 4,776 |
| Loan and lease loss provision to assets | 0.0472% | 3,710 |
| Net operating income to assets | 1.5054% | 915 |
| Return on assets (ROA) | 1.7233% | 651 |
| Pretax return on assets | 2.2732% | 318 |
| Return on Equity (ROE) | 11.6241% | 1,445 |
| Retained earnings to average equity (ytd only) | 11.6241% | 510 |
| Net charge-offs to loans | -0.0088% | 4,170 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8991% | 4,815 |
| Assets per employee ($millions) | 10.1003% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.3391% | 1,826 |
| Net loans and leases to deposits | 114.3096% | 151 |
| Net loans and leases to core deposits | 164.4195% | 70 |
| Total domestic deposits to total assets | 62.4087% | 4,936 |
| Equity capital to assets | 14.2308% | 800 |
| Core capital (leverage) ratio | 14.7589% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,525,000 | 2,159 |
| Average earning assets | $295,880,667 | 2,151 |
| Average equity | $47,074,667 | 1,765 |
| Average total loans | $226,958,333 | 2,035 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 1,938 |
| Cost of funding earning assets | 1.3508% | 484 |
| Net interest margin | 3.2714% | 3,662 |
| Noninterest income to average assets | 0.3822% | 3,219 |
| Noninterest expense to average assets | 1.7007% | 4,779 |
| Loan and lease loss provision to assets | 0.0499% | 3,151 |
| Net operating income to assets | 1.2965% | 1,252 |
| Return on assets (ROA) | 1.4459% | 961 |
| Pretax return on assets | 1.8740% | 598 |
| Return on Equity (ROE) | 9.5372% | 1,897 |
| Retained earnings to average equity (ytd only) | 9.5372% | 837 |
| Net charge-offs to loans | -0.0074% | 3,970 |
| Credit loss provision to net charge-offs | -950.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5031% | 4,696 |
| Assets per employee ($millions) | 9.2408% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.8976% | 2,407 |
| Net loans and leases to deposits | 104.3487% | 354 |
| Net loans and leases to core deposits | 157.1115% | 89 |
| Total domestic deposits to total assets | 66.0263% | 4,961 |
| Equity capital to assets | 15.2819% | 716 |
| Core capital (leverage) ratio | 15.4701% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,583,000 | 2,178 |
| Average earning assets | $284,281,000 | 2,172 |
| Average equity | $46,177,000 | 1,786 |
| Average total loans | $216,682,000 | 2,067 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 1,232 |
| Cost of funding earning assets | 1.5703% | 328 |
| Net interest margin | 3.5207% | 3,383 |
| Noninterest income to average assets | 0.6407% | 2,040 |
| Noninterest expense to average assets | 1.8205% | 4,752 |
| Loan and lease loss provision to assets | 0.1505% | 1,417 |
| Net operating income to assets | 1.4389% | 1,225 |
| Return on assets (ROA) | 1.5131% | 1,082 |
| Pretax return on assets | 2.0505% | 534 |
| Return on Equity (ROE) | 10.0900% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.1376% | 2,349 |
| Net charge-offs to loans | -0.0111% | 4,497 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3516% | 4,897 |
| Assets per employee ($millions) | 9.2187% | 467 |
| Cash dividends to net income (ytd only)* | 49.0829% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.7702% | 2,125 |
| Net loans and leases to deposits | 114.7149% | 123 |
| Net loans and leases to core deposits | 167.0055% | 69 |
| Total domestic deposits to total assets | 62.5640% | 5,066 |
| Equity capital to assets | 15.0392% | 782 |
| Core capital (leverage) ratio | 14.9531% | 698 |
| Tier 1 risk-based capital ratio | 17.3634% | 1,935 |
| Total risk-based capital ratio | 18.3001% | 1,978 |
| Memoranda: | ||
| Average total assets | $299,046,800 | 2,164 |
| Average earning assets | $279,180,200 | 2,152 |
| Average equity | $44,846,200 | 1,764 |
| Average total loans | $224,831,200 | 1,991 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 1,216 |
| Cost of funding earning assets | 1.5838% | 321 |
| Net interest margin | 3.5458% | 3,419 |
| Noninterest income to average assets | 0.7281% | 1,671 |
| Noninterest expense to average assets | 1.7822% | 4,839 |
| Loan and lease loss provision to assets | 0.1679% | 1,107 |
| Net operating income to assets | 1.5368% | 1,100 |
| Return on assets (ROA) | 1.6393% | 891 |
| Pretax return on assets | 2.2242% | 432 |
| Return on Equity (ROE) | 10.9396% | 2,037 |
| Retained earnings to average equity (ytd only) | 8.5491% | 1,187 |
| Net charge-offs to loans | -0.0112% | 4,410 |
| Credit loss provision to net charge-offs | -1,973.6842% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0655% | 5,008 |
| Assets per employee ($millions) | 9.1519% | 458 |
| Cash dividends to net income (ytd only)* | 21.8520% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,400 |
| Loan loss allowance to noncurrent loans | 236,000.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,785 |
| Noncurrent loans to loans | 0.0004% | 4,702 |
| Net loans and leases to total assets | 75.0918% | 1,632 |
| Net loans and leases to deposits | 114.2136% | 137 |
| Net loans and leases to core deposits | 172.3161% | 66 |
| Total domestic deposits to total assets | 65.7468% | 5,103 |
| Equity capital to assets | 15.3626% | 759 |
| Core capital (leverage) ratio | 15.0964% | 722 |
| Tier 1 risk-based capital ratio | 16.5895% | 2,233 |
| Total risk-based capital ratio | 17.4442% | 2,296 |
| Memoranda: | ||
| Average total assets | $297,754,000 | 2,189 |
| Average earning assets | $278,480,000 | 2,171 |
| Average equity | $44,619,750 | 1,775 |
| Average total loans | $225,844,250 | 1,999 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0616% | 1,315 |
| Cost of funding earning assets | 1.5328% | 342 |
| Net interest margin | 3.5287% | 3,509 |
| Noninterest income to average assets | 0.8031% | 1,336 |
| Noninterest expense to average assets | 1.7426% | 4,936 |
| Loan and lease loss provision to assets | 0.1012% | 1,851 |
| Net operating income to assets | 1.7828% | 618 |
| Return on assets (ROA) | 1.7662% | 668 |
| Pretax return on assets | 2.2400% | 412 |
| Return on Equity (ROE) | 11.8881% | 1,620 |
| Retained earnings to average equity (ytd only) | 8.2540% | 1,295 |
| Net charge-offs to loans | -0.0116% | 4,370 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4531% | 5,106 |
| Assets per employee ($millions) | 9.2884% | 417 |
| Cash dividends to net income (ytd only)* | 30.5694% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,054 |
| Loan loss allowance to noncurrent loans | 106,450.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,828 |
| Noncurrent loans to loans | 0.0009% | 4,740 |
| Net loans and leases to total assets | 75.7889% | 1,583 |
| Net loans and leases to deposits | 117.8430% | 107 |
| Net loans and leases to core deposits | 176.5034% | 64 |
| Total domestic deposits to total assets | 64.3134% | 5,165 |
| Equity capital to assets | 14.8361% | 859 |
| Core capital (leverage) ratio | 14.9376% | 717 |
| Tier 1 risk-based capital ratio | 16.6926% | 2,178 |
| Total risk-based capital ratio | 17.4866% | 2,261 |
| Memoranda: | ||
| Average total assets | $296,334,330 | 2,203 |
| Average earning assets | $277,266,000 | 2,179 |
| Average equity | $44,027,330 | 1,792 |
| Average total loans | $224,743,330 | 2,010 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 1,201 |
| Cost of funding earning assets | 1.5011% | 323 |
| Net interest margin | 3.5551% | 3,417 |
| Noninterest income to average assets | 0.8831% | 1,075 |
| Noninterest expense to average assets | 1.7525% | 4,965 |
| Loan and lease loss provision to assets | 0.1030% | 1,711 |
| Net operating income to assets | 1.8166% | 560 |
| Return on assets (ROA) | 1.8047% | 594 |
| Pretax return on assets | 2.3334% | 334 |
| Return on Equity (ROE) | 12.1376% | 1,484 |
| Retained earnings to average equity (ytd only) | 12.1376% | 589 |
| Net charge-offs to loans | -0.0109% | 4,258 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6857% | 5,168 |
| Assets per employee ($millions) | 8.4819% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 4,131 |
| Loan loss allowance to noncurrent loans | 51,175.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,894 |
| Noncurrent loans to loans | 0.0018% | 4,807 |
| Net loans and leases to total assets | 75.4862% | 1,568 |
| Net loans and leases to deposits | 116.3540% | 125 |
| Net loans and leases to core deposits | 167.1181% | 71 |
| Total domestic deposits to total assets | 64.8763% | 5,219 |
| Equity capital to assets | 14.9219% | 770 |
| Core capital (leverage) ratio | 15.3002% | 637 |
| Tier 1 risk-based capital ratio | 17.1646% | 2,058 |
| Total risk-based capital ratio | 17.9586% | 2,151 |
| Memoranda: | ||
| Average total assets | $291,243,500 | 2,240 |
| Average earning assets | $272,060,500 | 2,224 |
| Average equity | $43,303,500 | 1,808 |
| Average total loans | $219,898,000 | 2,065 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 1,549 |
| Cost of funding earning assets | 1.2456% | 277 |
| Net interest margin | 3.5530% | 3,536 |
| Noninterest income to average assets | 0.3807% | 3,550 |
| Noninterest expense to average assets | 1.8282% | 4,980 |
| Loan and lease loss provision to assets | 0.2209% | 817 |
| Net operating income to assets | 1.3271% | 1,694 |
| Return on assets (ROA) | 1.3165% | 1,724 |
| Pretax return on assets | 1.6386% | 1,347 |
| Return on Equity (ROE) | 8.9955% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.9955% | 869 |
| Net charge-offs to loans | 0.5261% | 337 |
| Credit loss provision to net charge-offs | 55.0459% | 3,143 |
| Earnings coverage of net charge-offs (x) | 4.6670% | 3,265 |
| Efficiency ratio | 49.3982% | 4,974 |
| Assets per employee ($millions) | 8.1564% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,084 |
| Loan loss allowance to noncurrent loans | 32,766.6667% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,415 |
| Noncurrent loans to loans | 0.0028% | 4,814 |
| Net loans and leases to total assets | 74.1545% | 1,915 |
| Net loans and leases to deposits | 111.8602% | 212 |
| Net loans and leases to core deposits | 163.7423% | 78 |
| Total domestic deposits to total assets | 66.2921% | 5,243 |
| Equity capital to assets | 14.7888% | 764 |
| Core capital (leverage) ratio | 15.0450% | 686 |
| Tier 1 risk-based capital ratio | 13.6361% | 3,469 |
| Total risk-based capital ratio | 14.2605% | 3,727 |
| Memoranda: | ||
| Average total assets | $271,632,800 | 2,318 |
| Average earning assets | $253,844,800 | 2,312 |
| Average equity | $39,753,400 | 1,879 |
| Average total loans | $207,180,000 | 2,120 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 1,762 |
| Cost of funding earning assets | 1.1627% | 304 |
| Net interest margin | 3.5092% | 3,666 |
| Noninterest income to average assets | 0.3445% | 3,842 |
| Noninterest expense to average assets | 1.8724% | 4,949 |
| Loan and lease loss provision to assets | 0.1492% | 1,323 |
| Net operating income to assets | 1.3048% | 1,838 |
| Return on assets (ROA) | 1.2991% | 1,863 |
| Pretax return on assets | 1.6054% | 1,566 |
| Return on Equity (ROE) | 8.9018% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.9018% | 1,256 |
| Net charge-offs to loans | 0.4858% | 327 |
| Credit loss provision to net charge-offs | 40.0534% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.7303% | 3,026 |
| Efficiency ratio | 51.5255% | 4,851 |
| Assets per employee ($millions) | 8.2962% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,265 |
| Loan loss allowance to noncurrent loans | 108.9577% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 2,286 |
| Noncurrent loans to loans | 0.8246% | 2,055 |
| Net loans and leases to total assets | 76.2411% | 1,626 |
| Net loans and leases to deposits | 118.5201% | 119 |
| Net loans and leases to core deposits | 176.0077% | 57 |
| Total domestic deposits to total assets | 64.3276% | 5,347 |
| Equity capital to assets | 14.1290% | 916 |
| Core capital (leverage) ratio | 14.8273% | 746 |
| Tier 1 risk-based capital ratio | 13.3906% | 3,685 |
| Total risk-based capital ratio | 14.0309% | 3,937 |
| Memoranda: | ||
| Average total assets | $268,172,750 | 2,357 |
| Average earning assets | $251,371,000 | 2,339 |
| Average equity | $39,137,250 | 1,900 |
| Average total loans | $205,560,750 | 2,145 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 1,949 |
| Cost of funding earning assets | 1.0557% | 356 |
| Net interest margin | 3.4894% | 3,665 |
| Noninterest income to average assets | 0.4019% | 3,469 |
| Noninterest expense to average assets | 1.8959% | 4,965 |
| Loan and lease loss provision to assets | 0.2301% | 696 |
| Net operating income to assets | 1.2775% | 1,868 |
| Return on assets (ROA) | 1.2839% | 1,847 |
| Pretax return on assets | 1.5462% | 1,665 |
| Return on Equity (ROE) | 8.6944% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.6944% | 1,327 |
| Net charge-offs to loans | 0.7594% | 188 |
| Credit loss provision to net charge-offs | 39.5778% | 2,567 |
| Earnings coverage of net charge-offs (x) | 3.0422% | 2,918 |
| Efficiency ratio | 51.7371% | 4,917 |
| Assets per employee ($millions) | 7.7841% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 4,161 |
| Loan loss allowance to noncurrent loans | 99.2548% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 2,082 |
| Noncurrent loans to loans | 0.9463% | 1,837 |
| Net loans and leases to total assets | 75.1999% | 1,762 |
| Net loans and leases to deposits | 121.6248% | 92 |
| Net loans and leases to core deposits | 179.9221% | 47 |
| Total domestic deposits to total assets | 61.8294% | 5,437 |
| Equity capital to assets | 14.4061% | 832 |
| Core capital (leverage) ratio | 15.1287% | 641 |
| Tier 1 risk-based capital ratio | 13.7033% | 3,508 |
| Total risk-based capital ratio | 14.3705% | 3,750 |
| Memoranda: | ||
| Average total assets | $260,774,670 | 2,414 |
| Average earning assets | $243,822,330 | 2,405 |
| Average equity | $38,507,670 | 1,928 |
| Average total loans | $199,619,000 | 2,193 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,927 |
| Cost of funding earning assets | 0.9322% | 509 |
| Net interest margin | 3.5476% | 3,352 |
| Noninterest income to average assets | 0.4222% | 3,301 |
| Noninterest expense to average assets | 1.9295% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4279% | 1,254 |
| Return on assets (ROA) | 1.4467% | 1,211 |
| Pretax return on assets | 1.8275% | 860 |
| Return on Equity (ROE) | 9.6656% | 2,601 |
| Retained earnings to average equity (ytd only) | 9.6656% | 1,266 |
| Net charge-offs to loans | -0.0124% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6859% | 4,983 |
| Assets per employee ($millions) | 7.3967% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,388 |
| Loan loss allowance to noncurrent loans | 141.4130% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 2,316 |
| Noncurrent loans to loans | 0.8999% | 2,022 |
| Net loans and leases to total assets | 73.7797% | 1,899 |
| Net loans and leases to deposits | 115.7903% | 159 |
| Net loans and leases to core deposits | 142.6599% | 192 |
| Total domestic deposits to total assets | 63.7184% | 5,488 |
| Equity capital to assets | 14.6128% | 751 |
| Core capital (leverage) ratio | 15.7824% | 517 |
| Tier 1 risk-based capital ratio | 13.7085% | 3,540 |
| Total risk-based capital ratio | 14.5905% | 3,666 |
| Memoranda: | ||
| Average total assets | $251,047,500 | 2,505 |
| Average earning assets | $234,296,000 | 2,499 |
| Average equity | $37,576,500 | 1,974 |
| Average total loans | $193,063,500 | 2,246 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,691 |
| Cost of funding earning assets | 0.8251% | 541 |
| Net interest margin | 3.6805% | 2,876 |
| Noninterest income to average assets | 0.3271% | 4,132 |
| Noninterest expense to average assets | 2.0368% | 4,899 |
| Loan and lease loss provision to assets | -0.1303% | 5,516 |
| Net operating income to assets | 1.2567% | 1,338 |
| Return on assets (ROA) | 1.2952% | 1,250 |
| Pretax return on assets | 1.9224% | 577 |
| Return on Equity (ROE) | 8.7968% | 2,405 |
| Retained earnings to average equity (ytd only) | 7.5520% | 906 |
| Net charge-offs to loans | -0.4311% | 5,597 |
| Credit loss provision to net charge-offs | 38.9769% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0065% | 4,952 |
| Assets per employee ($millions) | 7.1533% | 910 |
| Cash dividends to net income (ytd only)* | 14.1509% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,347 |
| Loan loss allowance to noncurrent loans | 107.1086% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 1,646 |
| Noncurrent loans to loans | 1.1902% | 1,494 |
| Net loans and leases to total assets | 78.2058% | 1,261 |
| Net loans and leases to deposits | 116.8916% | 144 |
| Net loans and leases to core deposits | 158.0598% | 94 |
| Total domestic deposits to total assets | 66.9046% | 5,496 |
| Equity capital to assets | 15.3459% | 615 |
| Core capital (leverage) ratio | 15.0977% | 601 |
| Tier 1 risk-based capital ratio | 16.8891% | 2,128 |
| Total risk-based capital ratio | 17.9994% | 2,126 |
| Memoranda: | ||
| Average total assets | $245,528,000 | 2,525 |
| Average earning assets | $229,777,800 | 2,498 |
| Average equity | $36,149,600 | 2,014 |
| Average total loans | $190,456,200 | 2,238 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,875 |
| Cost of funding earning assets | 0.7885% | 616 |
| Net interest margin | 3.6367% | 3,010 |
| Noninterest income to average assets | 0.3343% | 4,142 |
| Noninterest expense to average assets | 1.9400% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2187% | 1,616 |
| Return on assets (ROA) | 1.2412% | 1,568 |
| Pretax return on assets | 1.8436% | 798 |
| Return on Equity (ROE) | 8.5190% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.5190% | 1,008 |
| Net charge-offs to loans | -0.1306% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7336% | 5,123 |
| Assets per employee ($millions) | 7.4593% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,731 |
| Loan loss allowance to noncurrent loans | 87.5665% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 1,765 |
| Noncurrent loans to loans | 1.2110% | 1,570 |
| Net loans and leases to total assets | 78.7620% | 1,154 |
| Net loans and leases to deposits | 118.5309% | 122 |
| Net loans and leases to core deposits | 144.9145% | 154 |
| Total domestic deposits to total assets | 66.4485% | 5,577 |
| Equity capital to assets | 14.6615% | 817 |
| Core capital (leverage) ratio | 14.6249% | 737 |
| Tier 1 risk-based capital ratio | 16.2685% | 2,390 |
| Total risk-based capital ratio | 17.2120% | 2,459 |
| Memoranda: | ||
| Average total assets | $246,107,000 | 2,533 |
| Average earning assets | $231,154,500 | 2,504 |
| Average equity | $35,856,250 | 2,038 |
| Average total loans | $189,904,750 | 2,254 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 1,959 |
| Cost of funding earning assets | 0.7272% | 776 |
| Net interest margin | 3.6281% | 2,924 |
| Noninterest income to average assets | 0.3760% | 3,866 |
| Noninterest expense to average assets | 1.9392% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2394% | 1,477 |
| Return on assets (ROA) | 1.2537% | 1,451 |
| Pretax return on assets | 1.8620% | 724 |
| Return on Equity (ROE) | 8.6238% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.6238% | 961 |
| Net charge-offs to loans | -0.0226% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3032% | 5,221 |
| Assets per employee ($millions) | 7.4795% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,133 |
| Loan loss allowance to noncurrent loans | 78.4835% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 1,774 |
| Noncurrent loans to loans | 1.2766% | 1,513 |
| Net loans and leases to total assets | 76.8182% | 1,412 |
| Net loans and leases to deposits | 118.7039% | 108 |
| Net loans and leases to core deposits | 146.7051% | 145 |
| Total domestic deposits to total assets | 64.7141% | 5,657 |
| Equity capital to assets | 14.3581% | 864 |
| Core capital (leverage) ratio | 14.6758% | 703 |
| Tier 1 risk-based capital ratio | 16.3348% | 2,380 |
| Total risk-based capital ratio | 17.2279% | 2,456 |
| Memoranda: | ||
| Average total assets | $243,604,000 | 2,564 |
| Average earning assets | $228,552,330 | 2,541 |
| Average equity | $35,413,670 | 2,054 |
| Average total loans | $185,908,330 | 2,300 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 1,909 |
| Cost of funding earning assets | 0.6942% | 863 |
| Net interest margin | 3.6233% | 2,807 |
| Noninterest income to average assets | 0.4096% | 3,591 |
| Noninterest expense to average assets | 1.9626% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2365% | 1,413 |
| Return on assets (ROA) | 1.2827% | 1,321 |
| Pretax return on assets | 1.9072% | 618 |
| Return on Equity (ROE) | 8.7655% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.7655% | 1,158 |
| Net charge-offs to loans | -0.0111% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6343% | 5,283 |
| Assets per employee ($millions) | 6.8835% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,693 |
| Loan loss allowance to noncurrent loans | 178.9954% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,339 |
| Noncurrent loans to loans | 0.6176% | 2,969 |
| Net loans and leases to total assets | 74.9235% | 1,594 |
| Net loans and leases to deposits | 108.2287% | 256 |
| Net loans and leases to core deposits | 127.2661% | 301 |
| Total domestic deposits to total assets | 69.2271% | 5,648 |
| Equity capital to assets | 15.0902% | 637 |
| Core capital (leverage) ratio | 14.9640% | 611 |
| Tier 1 risk-based capital ratio | 17.6803% | 1,979 |
| Total risk-based capital ratio | 18.6594% | 2,008 |
| Memoranda: | ||
| Average total assets | $238,254,500 | 2,634 |
| Average earning assets | $223,001,500 | 2,621 |
| Average equity | $34,864,000 | 2,089 |
| Average total loans | $180,198,500 | 2,360 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 1,474 |
| Cost of funding earning assets | 0.6657% | 977 |
| Net interest margin | 3.8548% | 2,116 |
| Noninterest income to average assets | 0.3576% | 4,183 |
| Noninterest expense to average assets | 1.9423% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3479% | 1,099 |
| Return on assets (ROA) | 1.3261% | 1,211 |
| Pretax return on assets | 2.0019% | 503 |
| Return on Equity (ROE) | 8.9203% | 2,461 |
| Retained earnings to average equity (ytd only) | 8.3413% | 749 |
| Net charge-offs to loans | -0.0829% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8346% | 5,538 |
| Assets per employee ($millions) | 7.3475% | 779 |
| Cash dividends to net income (ytd only)* | 6.4913% | 4,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,910 |
| Loan loss allowance to noncurrent loans | 5,427.7778% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,339 |
| Noncurrent loans to loans | 0.0197% | 5,198 |
| Net loans and leases to total assets | 74.7032% | 1,744 |
| Net loans and leases to deposits | 111.2010% | 199 |
| Net loans and leases to core deposits | 134.4407% | 232 |
| Total domestic deposits to total assets | 67.1785% | 5,738 |
| Equity capital to assets | 14.1919% | 831 |
| Core capital (leverage) ratio | 14.8319% | 626 |
| Tier 1 risk-based capital ratio | 16.8510% | 2,211 |
| Total risk-based capital ratio | 17.8019% | 2,271 |
| Memoranda: | ||
| Average total assets | $226,535,000 | 2,693 |
| Average earning assets | $212,719,600 | 2,672 |
| Average equity | $33,676,000 | 2,147 |
| Average total loans | $179,706,800 | 2,315 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,454 |
| Cost of funding earning assets | 0.6739% | 928 |
| Net interest margin | 3.8542% | 2,143 |
| Noninterest income to average assets | 0.3774% | 4,083 |
| Noninterest expense to average assets | 1.9590% | 5,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3495% | 1,167 |
| Return on assets (ROA) | 1.3222% | 1,313 |
| Pretax return on assets | 2.0058% | 562 |
| Return on Equity (ROE) | 8.7859% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.7859% | 883 |
| Net charge-offs to loans | -0.0880% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9009% | 5,558 |
| Assets per employee ($millions) | 6.5987% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 4,066 |
| Loan loss allowance to noncurrent loans | 1,424.4444% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,204 |
| Noncurrent loans to loans | 0.0744% | 5,049 |
| Net loans and leases to total assets | 79.9868% | 899 |
| Net loans and leases to deposits | 113.4821% | 192 |
| Net loans and leases to core deposits | 137.8988% | 214 |
| Total domestic deposits to total assets | 70.4841% | 5,669 |
| Equity capital to assets | 15.4682% | 634 |
| Core capital (leverage) ratio | 14.9806% | 639 |
| Tier 1 risk-based capital ratio | 17.0872% | 2,197 |
| Total risk-based capital ratio | 18.0529% | 2,249 |
| Memoranda: | ||
| Average total assets | $222,551,500 | 2,742 |
| Average earning assets | $209,532,000 | 2,708 |
| Average equity | $33,492,250 | 2,174 |
| Average total loans | $178,862,000 | 2,322 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 1,579 |
| Cost of funding earning assets | 0.6520% | 1,048 |
| Net interest margin | 3.8266% | 2,220 |
| Noninterest income to average assets | 0.4397% | 3,596 |
| Noninterest expense to average assets | 1.9743% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3535% | 1,156 |
| Return on assets (ROA) | 1.3183% | 1,319 |
| Pretax return on assets | 2.0131% | 556 |
| Return on Equity (ROE) | 8.8430% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.8430% | 891 |
| Net charge-offs to loans | -0.0966% | 5,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8517% | 5,631 |
| Assets per employee ($millions) | 6.6796% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 4,391 |
| Loan loss allowance to noncurrent loans | 193.4560% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 3,732 |
| Noncurrent loans to loans | 0.5286% | 3,498 |
| Net loans and leases to total assets | 80.6297% | 808 |
| Net loans and leases to deposits | 111.5549% | 215 |
| Net loans and leases to core deposits | 133.2814% | 260 |
| Total domestic deposits to total assets | 72.2780% | 5,655 |
| Equity capital to assets | 14.9455% | 738 |
| Core capital (leverage) ratio | 14.7319% | 660 |
| Tier 1 risk-based capital ratio | 16.3962% | 2,469 |
| Total risk-based capital ratio | 17.3283% | 2,551 |
| Memoranda: | ||
| Average total assets | $221,949,670 | 2,758 |
| Average earning assets | $208,906,330 | 2,721 |
| Average equity | $33,088,330 | 2,194 |
| Average total loans | $178,023,000 | 2,334 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,802 |
| Cost of funding earning assets | 0.6308% | 1,147 |
| Net interest margin | 3.7676% | 2,411 |
| Noninterest income to average assets | 0.5251% | 2,961 |
| Noninterest expense to average assets | 2.0075% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3633% | 1,109 |
| Return on assets (ROA) | 1.3055% | 1,318 |
| Pretax return on assets | 1.9693% | 607 |
| Return on Equity (ROE) | 8.7687% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.7687% | 1,181 |
| Net charge-offs to loans | -0.1054% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3943% | 5,658 |
| Assets per employee ($millions) | 6.7651% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,475 |
| Loan loss allowance to noncurrent loans | 337.3406% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,523 |
| Noncurrent loans to loans | 0.3035% | 4,337 |
| Net loans and leases to total assets | 80.1969% | 788 |
| Net loans and leases to deposits | 116.0806% | 126 |
| Net loans and leases to core deposits | 150.4344% | 105 |
| Total domestic deposits to total assets | 69.0873% | 5,897 |
| Equity capital to assets | 14.8207% | 738 |
| Core capital (leverage) ratio | 15.0403% | 597 |
| Tier 1 risk-based capital ratio | 16.3360% | 2,547 |
| Total risk-based capital ratio | 17.2659% | 2,627 |
| Memoranda: | ||
| Average total assets | $219,372,000 | 2,785 |
| Average earning assets | $206,072,500 | 2,760 |
| Average equity | $32,661,500 | 2,215 |
| Average total loans | $174,531,500 | 2,363 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,152 |
| Cost of funding earning assets | 0.5747% | 1,554 |
| Net interest margin | 3.7449% | 2,580 |
| Noninterest income to average assets | 0.3220% | 4,596 |
| Noninterest expense to average assets | 2.1120% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1418% | 1,758 |
| Return on assets (ROA) | 1.1481% | 1,811 |
| Pretax return on assets | 1.7313% | 929 |
| Return on Equity (ROE) | 7.6604% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.1700% | 2,301 |
| Net charge-offs to loans | 0.1613% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.6759% | 2,357 |
| Efficiency ratio | 55.0883% | 5,431 |
| Assets per employee ($millions) | 6.7343% | 989 |
| Cash dividends to net income (ytd only)* | 32.5098% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 4,189 |
| Loan loss allowance to noncurrent loans | 1,422.0472% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 5,348 |
| Noncurrent loans to loans | 0.0755% | 5,202 |
| Net loans and leases to total assets | 77.2019% | 1,226 |
| Net loans and leases to deposits | 111.9367% | 198 |
| Net loans and leases to core deposits | 128.3656% | 293 |
| Total domestic deposits to total assets | 68.9693% | 5,944 |
| Equity capital to assets | 14.9590% | 672 |
| Core capital (leverage) ratio | 15.4458% | 543 |
| Tier 1 risk-based capital ratio | 15.6914% | 2,836 |
| Total risk-based capital ratio | 16.5820% | 2,965 |
| Memoranda: | ||
| Average total assets | $200,947,000 | 2,939 |
| Average earning assets | $188,444,200 | 2,906 |
| Average equity | $30,116,000 | 2,313 |
| Average total loans | $156,888,800 | 2,504 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 2,170 |
| Cost of funding earning assets | 0.5643% | 1,674 |
| Net interest margin | 3.7537% | 2,546 |
| Noninterest income to average assets | 0.3325% | 4,563 |
| Noninterest expense to average assets | 2.0630% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1825% | 1,710 |
| Return on assets (ROA) | 1.1589% | 1,868 |
| Pretax return on assets | 1.7623% | 970 |
| Return on Equity (ROE) | 7.7287% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.7823% | 1,798 |
| Net charge-offs to loans | 0.1134% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.3132% | 1,876 |
| Efficiency ratio | 53.4302% | 5,558 |
| Assets per employee ($millions) | 5.9686% | 1,396 |
| Cash dividends to net income (ytd only)* | 12.2448% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 3,355 |
| Loan loss allowance to noncurrent loans | 105.4128% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 2,576 |
| Noncurrent loans to loans | 1.1876% | 2,149 |
| Net loans and leases to total assets | 74.9428% | 1,559 |
| Net loans and leases to deposits | 103.9152% | 449 |
| Net loans and leases to core deposits | 119.4307% | 491 |
| Total domestic deposits to total assets | 72.1192% | 5,853 |
| Equity capital to assets | 15.9058% | 572 |
| Core capital (leverage) ratio | 15.4249% | 565 |
| Tier 1 risk-based capital ratio | 16.7593% | 2,453 |
| Total risk-based capital ratio | 17.7764% | 2,522 |
| Memoranda: | ||
| Average total assets | $197,309,750 | 3,001 |
| Average earning assets | $185,483,000 | 2,961 |
| Average equity | $29,586,000 | 2,362 |
| Average total loans | $154,067,750 | 2,556 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,583 |
| Cost of funding earning assets | 0.5188% | 2,078 |
| Net interest margin | 3.6694% | 2,838 |
| Noninterest income to average assets | 0.3705% | 4,292 |
| Noninterest expense to average assets | 2.0805% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1520% | 1,774 |
| Return on assets (ROA) | 1.1195% | 1,966 |
| Pretax return on assets | 1.7008% | 1,087 |
| Return on Equity (ROE) | 7.6267% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.1627% | 2,140 |
| Net charge-offs to loans | 0.1778% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.4818% | 2,198 |
| Efficiency ratio | 54.3147% | 5,557 |
| Assets per employee ($millions) | 6.3446% | 1,126 |
| Cash dividends to net income (ytd only)* | 19.1956% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,966 |
| Loan loss allowance to noncurrent loans | 205.3419% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 4,088 |
| Noncurrent loans to loans | 0.5707% | 3,739 |
| Net loans and leases to total assets | 77.4169% | 1,150 |
| Net loans and leases to deposits | 114.1173% | 178 |
| Net loans and leases to core deposits | 128.0241% | 310 |
| Total domestic deposits to total assets | 67.8397% | 6,115 |
| Equity capital to assets | 15.0760% | 690 |
| Core capital (leverage) ratio | 15.5700% | 532 |
| Tier 1 risk-based capital ratio | 15.8921% | 2,906 |
| Total risk-based capital ratio | 16.8728% | 2,992 |
| Memoranda: | ||
| Average total assets | $195,435,670 | 3,039 |
| Average earning assets | $184,280,330 | 2,999 |
| Average equity | $28,688,670 | 2,439 |
| Average total loans | $154,086,670 | 2,567 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,591 |
| Cost of funding earning assets | 0.4605% | 2,679 |
| Net interest margin | 3.7023% | 2,611 |
| Noninterest income to average assets | 0.4245% | 3,811 |
| Noninterest expense to average assets | 2.1733% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1226% | 1,785 |
| Return on assets (ROA) | 1.0633% | 2,119 |
| Pretax return on assets | 1.6406% | 1,172 |
| Return on Equity (ROE) | 7.3540% | 3,297 |
| Retained earnings to average equity (ytd only) | 4.2715% | 3,451 |
| Net charge-offs to loans | 0.3916% | 627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.5890% | 2,376 |
| Efficiency ratio | 55.6522% | 5,545 |
| Assets per employee ($millions) | 5.4842% | 1,804 |
| Cash dividends to net income (ytd only)* | 41.9162% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,434 |
| Loan loss allowance to noncurrent loans | 203.7274% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 4,006 |
| Noncurrent loans to loans | 0.6353% | 3,685 |
| Net loans and leases to total assets | 76.0115% | 1,204 |
| Net loans and leases to deposits | 102.8326% | 424 |
| Net loans and leases to core deposits | 111.9671% | 658 |
| Total domestic deposits to total assets | 73.9177% | 5,909 |
| Equity capital to assets | 14.3202% | 882 |
| Core capital (leverage) ratio | 14.4372% | 706 |
| Tier 1 risk-based capital ratio | 15.0358% | 3,411 |
| Total risk-based capital ratio | 16.1069% | 3,448 |
| Memoranda: | ||
| Average total assets | $188,467,000 | 3,136 |
| Average earning assets | $177,188,500 | 3,090 |
| Average equity | $27,250,500 | 2,557 |
| Average total loans | $149,124,000 | 2,634 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 1,658 |
| Cost of funding earning assets | 0.4784% | 2,897 |
| Net interest margin | 4.0847% | 1,628 |
| Noninterest income to average assets | 0.6140% | 2,779 |
| Noninterest expense to average assets | 2.4562% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3693% | 1,144 |
| Return on assets (ROA) | 1.3542% | 1,231 |
| Pretax return on assets | 1.9239% | 602 |
| Return on Equity (ROE) | 8.9220% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.5376% | 1,183 |
| Net charge-offs to loans | -0.0138% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8016% | 5,685 |
| Assets per employee ($millions) | 5.2854% | 1,979 |
| Cash dividends to net income (ytd only)* | 15.5172% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 3,095 |
| Loan loss allowance to noncurrent loans | 305.4896% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 4,558 |
| Noncurrent loans to loans | 0.4480% | 4,299 |
| Net loans and leases to total assets | 80.2079% | 719 |
| Net loans and leases to deposits | 104.0921% | 434 |
| Net loans and leases to core deposits | 112.9040% | 642 |
| Total domestic deposits to total assets | 77.0547% | 5,594 |
| Equity capital to assets | 14.6031% | 783 |
| Core capital (leverage) ratio | 14.4583% | 709 |
| Tier 1 risk-based capital ratio | 15.2593% | 3,341 |
| Total risk-based capital ratio | 16.4421% | 3,331 |
| Memoranda: | ||
| Average total assets | $171,322,800 | 3,319 |
| Average earning assets | $158,859,800 | 3,302 |
| Average equity | $26,003,000 | 2,570 |
| Average total loans | $137,997,600 | 2,738 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,700 |
| Cost of funding earning assets | 0.4721% | 3,034 |
| Net interest margin | 4.0788% | 1,641 |
| Noninterest income to average assets | 0.7051% | 2,302 |
| Noninterest expense to average assets | 2.4950% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2877% | 1,403 |
| Return on assets (ROA) | 1.2785% | 1,495 |
| Pretax return on assets | 1.9757% | 603 |
| Return on Equity (ROE) | 8.3363% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.3363% | 1,208 |
| Net charge-offs to loans | -0.0148% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6303% | 5,689 |
| Assets per employee ($millions) | 5.0661% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 3,112 |
| Loan loss allowance to noncurrent loans | 294.8350% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 4,697 |
| Noncurrent loans to loans | 0.4791% | 4,470 |
| Net loans and leases to total assets | 80.8825% | 624 |
| Net loans and leases to deposits | 103.7157% | 419 |
| Net loans and leases to core deposits | 112.9927% | 622 |
| Total domestic deposits to total assets | 77.9848% | 5,540 |
| Equity capital to assets | 15.0400% | 725 |
| Core capital (leverage) ratio | 15.2947% | 577 |
| Tier 1 risk-based capital ratio | 15.3644% | 3,392 |
| Total risk-based capital ratio | 16.5689% | 3,352 |
| Memoranda: | ||
| Average total assets | $167,906,500 | 3,393 |
| Average earning assets | $155,598,000 | 3,369 |
| Average equity | $25,750,250 | 2,603 |
| Average total loans | $134,888,500 | 2,791 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 1,619 |
| Cost of funding earning assets | 0.4656% | 3,156 |
| Net interest margin | 4.1020% | 1,506 |
| Noninterest income to average assets | 0.5863% | 2,886 |
| Noninterest expense to average assets | 2.5174% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2026% | 1,580 |
| Return on assets (ROA) | 1.1932% | 1,683 |
| Pretax return on assets | 1.8401% | 777 |
| Return on Equity (ROE) | 7.7267% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.7267% | 1,419 |
| Net charge-offs to loans | -0.0228% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5791% | 5,599 |
| Assets per employee ($millions) | 4.4991% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 3,032 |
| Loan loss allowance to noncurrent loans | 173.8579% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 3,461 |
| Noncurrent loans to loans | 0.8451% | 3,594 |
| Net loans and leases to total assets | 80.6015% | 616 |
| Net loans and leases to deposits | 105.2920% | 325 |
| Net loans and leases to core deposits | 114.7155% | 509 |
| Total domestic deposits to total assets | 76.5504% | 5,855 |
| Equity capital to assets | 15.2369% | 648 |
| Core capital (leverage) ratio | 15.1592% | 581 |
| Tier 1 risk-based capital ratio | 15.4934% | 3,352 |
| Total risk-based capital ratio | 16.7209% | 3,310 |
| Memoranda: | ||
| Average total assets | $164,770,670 | 3,467 |
| Average earning assets | $152,072,330 | 3,445 |
| Average equity | $25,444,330 | 2,617 |
| Average total loans | $131,361,000 | 2,850 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,798 |
| Cost of funding earning assets | 0.4449% | 3,486 |
| Net interest margin | 4.0604% | 1,573 |
| Noninterest income to average assets | 0.6086% | 2,688 |
| Noninterest expense to average assets | 2.5310% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1700% | 1,567 |
| Return on assets (ROA) | 1.1925% | 1,573 |
| Pretax return on assets | 1.8383% | 752 |
| Return on Equity (ROE) | 7.6686% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.6686% | 1,738 |
| Net charge-offs to loans | -0.0063% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3904% | 5,610 |
| Assets per employee ($millions) | 4.5309% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,103 |
| Loan loss allowance to noncurrent loans | 168.5644% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 3,545 |
| Noncurrent loans to loans | 0.8954% | 3,644 |
| Net loans and leases to total assets | 79.5249% | 602 |
| Net loans and leases to deposits | 114.4911% | 101 |
| Net loans and leases to core deposits | 120.2070% | 323 |
| Total domestic deposits to total assets | 69.4595% | 6,467 |
| Equity capital to assets | 15.1703% | 643 |
| Core capital (leverage) ratio | 16.3086% | 444 |
| Tier 1 risk-based capital ratio | 15.8338% | 3,254 |
| Total risk-based capital ratio | 17.0766% | 3,221 |
| Memoranda: | ||
| Average total assets | $161,672,500 | 3,539 |
| Average earning assets | $148,361,500 | 3,533 |
| Average equity | $25,141,500 | 2,629 |
| Average total loans | $127,113,000 | 2,919 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,598 |
| Cost of funding earning assets | 0.3763% | 4,877 |
| Net interest margin | 4.3138% | 1,074 |
| Noninterest income to average assets | 0.5430% | 3,452 |
| Noninterest expense to average assets | 2.7988% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0660% | 2,054 |
| Return on assets (ROA) | 1.0388% | 2,233 |
| Pretax return on assets | 1.6092% | 1,145 |
| Return on Equity (ROE) | 6.1818% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.1413% | 2,505 |
| Net charge-offs to loans | 0.1640% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.3039% | 2,037 |
| Efficiency ratio | 62.8968% | 5,073 |
| Assets per employee ($millions) | 4.3251% | 3,225 |
| Cash dividends to net income (ytd only)* | 16.8317% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 2,350 |
| Loan loss allowance to noncurrent loans | 165.9886% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 2,853 |
| Noncurrent loans to loans | 1.0339% | 3,443 |
| Net loans and leases to total assets | 75.0311% | 1,218 |
| Net loans and leases to deposits | 105.7288% | 266 |
| Net loans and leases to core deposits | 106.9483% | 746 |
| Total domestic deposits to total assets | 70.9657% | 6,481 |
| Equity capital to assets | 15.9606% | 528 |
| Core capital (leverage) ratio | 16.5037% | 417 |
| Tier 1 risk-based capital ratio | 17.2615% | 2,509 |
| Total risk-based capital ratio | 18.4533% | 2,502 |
| Memoranda: | ||
| Average total assets | $145,846,400 | 3,768 |
| Average earning assets | $132,087,000 | 3,797 |
| Average equity | $24,507,400 | 2,678 |
| Average total loans | $110,394,000 | 3,237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,532 |
| Cost of funding earning assets | 0.3623% | 5,171 |
| Net interest margin | 4.3633% | 962 |
| Noninterest income to average assets | 0.5979% | 3,156 |
| Noninterest expense to average assets | 2.8204% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1158% | 1,952 |
| Return on assets (ROA) | 1.1075% | 2,051 |
| Pretax return on assets | 1.7175% | 1,063 |
| Return on Equity (ROE) | 6.5023% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.5023% | 2,130 |
| Net charge-offs to loans | 0.0665% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 34.4621% | 1,112 |
| Efficiency ratio | 61.9738% | 5,143 |
| Assets per employee ($millions) | 3.6927% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 1,918 |
| Loan loss allowance to noncurrent loans | 156.6884% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 2,597 |
| Noncurrent loans to loans | 1.2292% | 3,352 |
| Net loans and leases to total assets | 76.6222% | 916 |
| Net loans and leases to deposits | 102.3105% | 362 |
| Net loans and leases to core deposits | 103.5344% | 903 |
| Total domestic deposits to total assets | 74.8919% | 6,290 |
| Equity capital to assets | 17.2452% | 388 |
| Core capital (leverage) ratio | 16.9132% | 392 |
| Tier 1 risk-based capital ratio | 18.1821% | 2,256 |
| Total risk-based capital ratio | 19.3769% | 2,242 |
| Memoranda: | ||
| Average total assets | $143,382,500 | 3,859 |
| Average earning assets | $129,898,250 | 3,885 |
| Average equity | $24,421,500 | 2,714 |
| Average total loans | $108,276,250 | 3,303 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,513 |
| Cost of funding earning assets | 0.3770% | 5,171 |
| Net interest margin | 4.3447% | 947 |
| Noninterest income to average assets | 0.6258% | 3,042 |
| Noninterest expense to average assets | 2.7785% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1457% | 1,765 |
| Return on assets (ROA) | 1.0994% | 2,046 |
| Pretax return on assets | 1.7043% | 1,106 |
| Return on Equity (ROE) | 6.4818% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.4818% | 2,158 |
| Net charge-offs to loans | 0.1123% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.1833% | 1,425 |
| Efficiency ratio | 61.0123% | 5,332 |
| Assets per employee ($millions) | 4.0229% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 1,857 |
| Loan loss allowance to noncurrent loans | 144.3850% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6548% | 2,627 |
| Noncurrent loans to loans | 1.3815% | 3,236 |
| Net loans and leases to total assets | 75.3778% | 1,057 |
| Net loans and leases to deposits | 99.3113% | 465 |
| Net loans and leases to core deposits | 100.5076% | 1,041 |
| Total domestic deposits to total assets | 75.9006% | 6,259 |
| Equity capital to assets | 17.4219% | 376 |
| Core capital (leverage) ratio | 16.8920% | 379 |
| Tier 1 risk-based capital ratio | 18.5239% | 2,132 |
| Total risk-based capital ratio | 19.7236% | 2,110 |
| Memoranda: | ||
| Average total assets | $143,171,000 | 3,892 |
| Average earning assets | $129,446,000 | 3,916 |
| Average equity | $24,283,330 | 2,741 |
| Average total loans | $106,863,000 | 3,341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,585 |
| Cost of funding earning assets | 0.4221% | 4,892 |
| Net interest margin | 4.2608% | 1,050 |
| Noninterest income to average assets | 0.5320% | 3,554 |
| Noninterest expense to average assets | 2.7460% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0446% | 2,061 |
| Return on assets (ROA) | 1.0446% | 2,167 |
| Pretax return on assets | 1.6182% | 1,258 |
| Return on Equity (ROE) | 6.2417% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.2417% | 2,543 |
| Net charge-offs to loans | -0.0151% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9206% | 5,164 |
| Assets per employee ($millions) | 4.2218% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 1,865 |
| Loan loss allowance to noncurrent loans | 121.6512% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 2,533 |
| Noncurrent loans to loans | 1.7017% | 2,993 |
| Net loans and leases to total assets | 73.3273% | 1,164 |
| Net loans and leases to deposits | 97.3015% | 475 |
| Net loans and leases to core deposits | 98.4593% | 1,048 |
| Total domestic deposits to total assets | 75.3609% | 6,423 |
| Equity capital to assets | 16.9556% | 428 |
| Core capital (leverage) ratio | 16.0339% | 448 |
| Tier 1 risk-based capital ratio | 18.4140% | 2,224 |
| Total risk-based capital ratio | 19.6622% | 2,194 |
| Memoranda: | ||
| Average total assets | $144,356,500 | 3,906 |
| Average earning assets | $129,836,000 | 3,944 |
| Average equity | $24,160,000 | 2,791 |
| Average total loans | $106,148,500 | 3,380 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 3,199 |
| Cost of funding earning assets | 0.4603% | 5,501 |
| Net interest margin | 4.0928% | 2,031 |
| Noninterest income to average assets | 0.6586% | 2,947 |
| Noninterest expense to average assets | 3.0034% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8541% | 3,020 |
| Return on assets (ROA) | 0.7941% | 3,561 |
| Pretax return on assets | 1.2164% | 2,739 |
| Return on Equity (ROE) | 5.0804% | 4,644 |
| Retained earnings to average equity (ytd only) | 5.0804% | 2,657 |
| Net charge-offs to loans | -0.0193% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6511% | 3,878 |
| Assets per employee ($millions) | 4.2698% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 1,713 |
| Loan loss allowance to noncurrent loans | 120.5100% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 2,584 |
| Noncurrent loans to loans | 1.7583% | 2,973 |
| Net loans and leases to total assets | 70.6722% | 1,708 |
| Net loans and leases to deposits | 94.6502% | 709 |
| Net loans and leases to core deposits | 95.7741% | 1,325 |
| Total domestic deposits to total assets | 74.6668% | 6,477 |
| Equity capital to assets | 16.5196% | 476 |
| Core capital (leverage) ratio | 16.0092% | 454 |
| Tier 1 risk-based capital ratio | 18.1038% | 2,225 |
| Total risk-based capital ratio | 19.3602% | 2,194 |
| Memoranda: | ||
| Average total assets | $140,908,600 | 3,935 |
| Average earning assets | $125,782,200 | 3,986 |
| Average equity | $22,025,800 | 2,969 |
| Average total loans | $93,091,000 | 3,673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 3,817 |
| Cost of funding earning assets | 0.4719% | 5,624 |
| Net interest margin | 3.9813% | 2,572 |
| Noninterest income to average assets | 0.6827% | 2,801 |
| Noninterest expense to average assets | 3.1740% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7106% | 3,873 |
| Return on assets (ROA) | 0.6436% | 4,433 |
| Pretax return on assets | 0.9639% | 3,856 |
| Return on Equity (ROE) | 4.1788% | 5,212 |
| Retained earnings to average equity (ytd only) | 4.1788% | 3,956 |
| Net charge-offs to loans | 0.0015% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1,118.7669% | 33 |
| Efficiency ratio | 74.8931% | 2,841 |
| Assets per employee ($millions) | 4.1236% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1445% | 1,818 |
| Loan loss allowance to noncurrent loans | 168.6064% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.6119% | 3,178 |
| Noncurrent loans to loans | 1.2719% | 3,923 |
| Net loans and leases to total assets | 71.6656% | 1,611 |
| Net loans and leases to deposits | 99.7023% | 454 |
| Net loans and leases to core deposits | 101.2903% | 1,030 |
| Total domestic deposits to total assets | 71.8795% | 6,749 |
| Equity capital to assets | 16.8134% | 490 |
| Core capital (leverage) ratio | 15.9588% | 479 |
| Tier 1 risk-based capital ratio | 18.2403% | 2,253 |
| Total risk-based capital ratio | 19.4969% | 2,230 |
| Memoranda: | ||
| Average total assets | $139,842,500 | 3,990 |
| Average earning assets | $124,879,250 | 4,044 |
| Average equity | $21,536,750 | 3,056 |
| Average total loans | $90,159,250 | 3,785 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 4,667 |
| Cost of funding earning assets | 0.4925% | 5,669 |
| Net interest margin | 3.7816% | 3,447 |
| Noninterest income to average assets | 0.8660% | 1,906 |
| Noninterest expense to average assets | 3.3538% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5716% | 4,491 |
| Return on assets (ROA) | 0.5754% | 4,744 |
| Pretax return on assets | 0.8703% | 4,197 |
| Return on Equity (ROE) | 3.8546% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.8546% | 4,049 |
| Net charge-offs to loans | 0.0349% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 40.2667% | 871 |
| Efficiency ratio | 79.5046% | 2,265 |
| Assets per employee ($millions) | 4.1557% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2778% | 1,630 |
| Loan loss allowance to noncurrent loans | 146.2876% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 3,046 |
| Noncurrent loans to loans | 1.5570% | 3,576 |
| Net loans and leases to total assets | 66.4067% | 2,591 |
| Net loans and leases to deposits | 89.7060% | 1,172 |
| Net loans and leases to core deposits | 91.0810% | 1,866 |
| Total domestic deposits to total assets | 74.0270% | 6,675 |
| Equity capital to assets | 16.3200% | 532 |
| Core capital (leverage) ratio | 15.5577% | 516 |
| Tier 1 risk-based capital ratio | 18.7216% | 2,061 |
| Total risk-based capital ratio | 19.9789% | 2,019 |
| Memoranda: | ||
| Average total assets | $139,722,000 | 4,019 |
| Average earning assets | $123,862,330 | 4,083 |
| Average equity | $20,858,000 | 3,124 |
| Average total loans | $85,985,670 | 3,907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 5,202 |
| Cost of funding earning assets | 0.5207% | 5,672 |
| Net interest margin | 3.6517% | 4,043 |
| Noninterest income to average assets | 0.6161% | 3,126 |
| Noninterest expense to average assets | 3.4922% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2894% | 5,693 |
| Return on assets (ROA) | 0.2994% | 5,826 |
| Pretax return on assets | 0.3455% | 5,871 |
| Return on Equity (ROE) | 2.1055% | 6,043 |
| Retained earnings to average equity (ytd only) | 2.1055% | 5,217 |
| Net charge-offs to loans | -0.1680% | 6,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2716% | 994 |
| Assets per employee ($millions) | 4.0401% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7929% | 1,016 |
| Loan loss allowance to noncurrent loans | 145.0065% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 3.1407% | 1,847 |
| Noncurrent loans to loans | 1.9261% | 3,254 |
| Net loans and leases to total assets | 53.5075% | 4,803 |
| Net loans and leases to deposits | 68.9642% | 3,883 |
| Net loans and leases to core deposits | 69.9416% | 4,430 |
| Total domestic deposits to total assets | 77.5874% | 6,323 |
| Equity capital to assets | 13.6491% | 1,177 |
| Core capital (leverage) ratio | 12.2759% | 1,447 |
| Tier 1 risk-based capital ratio | 16.3746% | 2,976 |
| Total risk-based capital ratio | 17.6354% | 2,924 |
| Memoranda: | ||
| Average total assets | $138,936,500 | 4,056 |
| Average earning assets | $122,134,500 | 4,148 |
| Average equity | $19,757,500 | 3,255 |
| Average total loans | $80,971,000 | 4,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 1,864 |
| Cost of funding earning assets | 0.7398% | 5,281 |
| Net interest margin | 4.5119% | 1,110 |
| Noninterest income to average assets | 0.6489% | 2,895 |
| Noninterest expense to average assets | 3.4329% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7743% | 3,158 |
| Return on assets (ROA) | 0.8189% | 3,125 |
| Pretax return on assets | 1.2361% | 2,336 |
| Return on Equity (ROE) | 5.7894% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.7894% | 2,131 |
| Net charge-offs to loans | 2.0500% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.9215% | 5,114 |
| Efficiency ratio | 74.6047% | 3,126 |
| Assets per employee ($millions) | 3.5791% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6892% | 1,081 |
| Loan loss allowance to noncurrent loans | 120.8562% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 3.7213% | 1,568 |
| Noncurrent loans to loans | 2.2252% | 2,929 |
| Net loans and leases to total assets | 60.1685% | 3,963 |
| Net loans and leases to deposits | 79.6147% | 2,592 |
| Net loans and leases to core deposits | 80.8877% | 3,329 |
| Total domestic deposits to total assets | 75.5747% | 6,535 |
| Equity capital to assets | 14.8481% | 816 |
| Core capital (leverage) ratio | 13.2483% | 1,054 |
| Tier 1 risk-based capital ratio | 16.3962% | 2,864 |
| Total risk-based capital ratio | 17.6563% | 2,832 |
| Memoranda: | ||
| Average total assets | $134,697,000 | 4,078 |
| Average earning assets | $117,999,600 | 4,183 |
| Average equity | $19,052,200 | 3,270 |
| Average total loans | $83,318,200 | 4,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 2,898 |
| Cost of funding earning assets | 0.7833% | 5,257 |
| Net interest margin | 4.2550% | 1,892 |
| Noninterest income to average assets | 0.7028% | 2,591 |
| Noninterest expense to average assets | 3.3504% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7167% | 3,522 |
| Return on assets (ROA) | 0.7590% | 3,508 |
| Pretax return on assets | 1.1602% | 2,782 |
| Return on Equity (ROE) | 5.4321% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.4321% | 2,889 |
| Net charge-offs to loans | 2.9414% | 324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.6018% | 5,173 |
| Efficiency ratio | 75.3659% | 2,950 |
| Assets per employee ($millions) | 3.6150% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4619% | 1,449 |
| Loan loss allowance to noncurrent loans | 52.5847% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 5.3875% | 1,044 |
| Noncurrent loans to loans | 4.6819% | 1,379 |
| Net loans and leases to total assets | 61.1660% | 3,909 |
| Net loans and leases to deposits | 84.8338% | 1,872 |
| Net loans and leases to core deposits | 86.2395% | 2,744 |
| Total domestic deposits to total assets | 72.1010% | 6,928 |
| Equity capital to assets | 14.6306% | 953 |
| Core capital (leverage) ratio | 13.3007% | 1,108 |
| Tier 1 risk-based capital ratio | 15.7300% | 3,262 |
| Total risk-based capital ratio | 16.9670% | 3,232 |
| Memoranda: | ||
| Average total assets | $135,264,250 | 4,094 |
| Average earning assets | $118,977,750 | 4,178 |
| Average equity | $18,899,500 | 3,303 |
| Average total loans | $83,677,250 | 4,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 3,423 |
| Cost of funding earning assets | 0.8309% | 5,188 |
| Net interest margin | 4.1126% | 2,360 |
| Noninterest income to average assets | 0.7616% | 2,199 |
| Noninterest expense to average assets | 3.3852% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6300% | 3,911 |
| Return on assets (ROA) | 0.6423% | 3,963 |
| Pretax return on assets | 1.0268% | 3,133 |
| Return on Equity (ROE) | 4.6690% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.6690% | 3,212 |
| Net charge-offs to loans | 4.1980% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.3897% | 5,010 |
| Efficiency ratio | 77.0624% | 2,852 |
| Assets per employee ($millions) | 3.3959% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8497% | 1,031 |
| Loan loss allowance to noncurrent loans | 55.8839% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 5.1676% | 1,179 |
| Noncurrent loans to loans | 5.0993% | 1,274 |
| Net loans and leases to total assets | 55.4976% | 5,067 |
| Net loans and leases to deposits | 74.8079% | 3,674 |
| Net loans and leases to core deposits | 76.0368% | 4,314 |
| Total domestic deposits to total assets | 74.1868% | 6,820 |
| Equity capital to assets | 14.4330% | 962 |
| Core capital (leverage) ratio | 12.7369% | 1,276 |
| Tier 1 risk-based capital ratio | 16.4439% | 2,774 |
| Total risk-based capital ratio | 17.6521% | 2,749 |
| Memoranda: | ||
| Average total assets | $135,767,670 | 4,115 |
| Average earning assets | $119,876,670 | 4,188 |
| Average equity | $18,676,330 | 3,308 |
| Average total loans | $83,610,670 | 4,106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 3,560 |
| Cost of funding earning assets | 0.8644% | 5,175 |
| Net interest margin | 4.0414% | 2,508 |
| Noninterest income to average assets | 0.7393% | 2,322 |
| Noninterest expense to average assets | 3.2744% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5405% | 4,314 |
| Return on assets (ROA) | 0.5443% | 4,376 |
| Pretax return on assets | 1.0362% | 2,998 |
| Return on Equity (ROE) | 4.0527% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.0527% | 3,730 |
| Net charge-offs to loans | 9.6635% | 41 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1673% | 4,479 |
| Efficiency ratio | 76.0649% | 3,157 |
| Assets per employee ($millions) | 3.3155% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3123% | 1,742 |
| Loan loss allowance to noncurrent loans | 36.3581% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 5.2598% | 1,181 |
| Noncurrent loans to loans | 6.3599% | 959 |
| Net loans and leases to total assets | 55.7847% | 5,025 |
| Net loans and leases to deposits | 73.9925% | 3,759 |
| Net loans and leases to core deposits | 75.1541% | 4,403 |
| Total domestic deposits to total assets | 75.3923% | 6,748 |
| Equity capital to assets | 13.6946% | 1,109 |
| Core capital (leverage) ratio | 12.0038% | 1,563 |
| Tier 1 risk-based capital ratio | 15.7353% | 3,033 |
| Total risk-based capital ratio | 16.9917% | 2,988 |
| Memoranda: | ||
| Average total assets | $137,431,500 | 4,113 |
| Average earning assets | $121,246,500 | 4,192 |
| Average equity | $18,457,000 | 3,334 |
| Average total loans | $87,587,500 | 4,029 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 2,670 |
| Cost of funding earning assets | 1.2672% | 4,098 |
| Net interest margin | 4.1332% | 2,436 |
| Noninterest income to average assets | 0.6167% | 3,366 |
| Noninterest expense to average assets | 3.3335% | 2,628 |
| Loan and lease loss provision to assets | 0.1441% | 5,740 |
| Net operating income to assets | 0.6059% | 3,645 |
| Return on assets (ROA) | 0.5475% | 4,052 |
| Pretax return on assets | 0.7341% | 3,853 |
| Return on Equity (ROE) | 4.3264% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.3264% | 2,811 |
| Net charge-offs to loans | 0.4171% | 3,950 |
| Credit loss provision to net charge-offs | 49.6278% | 6,264 |
| Earnings coverage of net charge-offs (x) | 3.2928% | 3,431 |
| Efficiency ratio | 77.7125% | 2,755 |
| Assets per employee ($millions) | 3.3078% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0093% | 398 |
| Loan loss allowance to noncurrent loans | 43.4942% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 6.4725% | 876 |
| Noncurrent loans to loans | 9.2180% | 492 |
| Net loans and leases to total assets | 67.4006% | 3,125 |
| Net loans and leases to deposits | 88.8886% | 1,665 |
| Net loans and leases to core deposits | 88.8886% | 2,919 |
| Total domestic deposits to total assets | 75.8260% | 6,651 |
| Equity capital to assets | 13.1710% | 1,311 |
| Core capital (leverage) ratio | 11.2989% | 1,958 |
| Tier 1 risk-based capital ratio | 12.4719% | 5,045 |
| Total risk-based capital ratio | 13.6901% | 5,059 |
| Memoranda: | ||
| Average total assets | $138,801,200 | 4,075 |
| Average earning assets | $123,343,800 | 4,160 |
| Average equity | $17,566,600 | 3,496 |
| Average total loans | $96,613,400 | 3,884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 2,857 |
| Cost of funding earning assets | 1.3523% | 3,885 |
| Net interest margin | 4.0525% | 2,845 |
| Noninterest income to average assets | 0.6495% | 3,128 |
| Noninterest expense to average assets | 3.3541% | 2,421 |
| Loan and lease loss provision to assets | 0.1922% | 5,120 |
| Net operating income to assets | 0.5477% | 4,101 |
| Return on assets (ROA) | 0.4689% | 4,639 |
| Pretax return on assets | 0.6159% | 4,547 |
| Return on Equity (ROE) | 3.7429% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.7429% | 3,829 |
| Net charge-offs to loans | 1.4650% | 1,379 |
| Credit loss provision to net charge-offs | 18.8857% | 6,258 |
| Earnings coverage of net charge-offs (x) | 0.8961% | 5,158 |
| Efficiency ratio | 78.6261% | 2,540 |
| Assets per employee ($millions) | 3.1461% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3750% | 591 |
| Loan loss allowance to noncurrent loans | 31.3578% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 7.9411% | 634 |
| Noncurrent loans to loans | 10.7627% | 362 |
| Net loans and leases to total assets | 68.8640% | 3,016 |
| Net loans and leases to deposits | 89.4249% | 1,801 |
| Net loans and leases to core deposits | 90.6686% | 3,001 |
| Total domestic deposits to total assets | 77.0076% | 6,475 |
| Equity capital to assets | 13.2211% | 1,488 |
| Core capital (leverage) ratio | 11.1992% | 2,129 |
| Tier 1 risk-based capital ratio | 12.3721% | 5,099 |
| Total risk-based capital ratio | 13.5819% | 5,115 |
| Memoranda: | ||
| Average total assets | $138,770,000 | 4,128 |
| Average earning assets | $123,838,000 | 4,203 |
| Average equity | $17,383,750 | 3,578 |
| Average total loans | $96,379,750 | 3,959 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 3,133 |
| Cost of funding earning assets | 1.4012% | 3,867 |
| Net interest margin | 3.9633% | 3,192 |
| Noninterest income to average assets | 0.7132% | 2,631 |
| Noninterest expense to average assets | 3.1587% | 3,057 |
| Loan and lease loss provision to assets | 0.2859% | 4,108 |
| Net operating income to assets | 0.6209% | 3,778 |
| Return on assets (ROA) | 0.5560% | 4,199 |
| Pretax return on assets | 0.7218% | 4,160 |
| Return on Equity (ROE) | 4.5190% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.5190% | 3,195 |
| Net charge-offs to loans | 1.3656% | 1,397 |
| Credit loss provision to net charge-offs | 30.3951% | 5,727 |
| Earnings coverage of net charge-offs (x) | 1.1611% | 4,635 |
| Efficiency ratio | 74.3107% | 3,410 |
| Assets per employee ($millions) | 3.1762% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8136% | 431 |
| Loan loss allowance to noncurrent loans | 32.4228% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 8.5241% | 542 |
| Noncurrent loans to loans | 11.7621% | 306 |
| Net loans and leases to total assets | 67.5153% | 3,495 |
| Net loans and leases to deposits | 87.5183% | 2,256 |
| Net loans and leases to core deposits | 88.7216% | 3,449 |
| Total domestic deposits to total assets | 77.1442% | 6,464 |
| Equity capital to assets | 12.8571% | 1,628 |
| Core capital (leverage) ratio | 13.1892% | 1,143 |
| Tier 1 risk-based capital ratio | 14.8217% | 3,255 |
| Total risk-based capital ratio | 16.0344% | 3,241 |
| Memoranda: | ||
| Average total assets | $139,932,000 | 4,139 |
| Average earning assets | $124,895,330 | 4,213 |
| Average equity | $17,216,330 | 3,602 |
| Average total loans | $96,367,670 | 4,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 3,438 |
| Cost of funding earning assets | 1.4960% | 3,587 |
| Net interest margin | 3.8256% | 3,683 |
| Noninterest income to average assets | 0.5649% | 3,525 |
| Noninterest expense to average assets | 3.0535% | 3,462 |
| Loan and lease loss provision to assets | 0.2825% | 3,769 |
| Net operating income to assets | 0.5113% | 4,339 |
| Return on assets (ROA) | 0.5113% | 4,477 |
| Pretax return on assets | 0.6384% | 4,458 |
| Return on Equity (ROE) | 4.2477% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.2477% | 3,606 |
| Net charge-offs to loans | -0.1532% | 7,618 |
| Credit loss provision to net charge-offs | -270.2703% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8301% | 3,090 |
| Assets per employee ($millions) | 3.2136% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4255% | 269 |
| Loan loss allowance to noncurrent loans | 32.5151% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 9.4633% | 441 |
| Noncurrent loans to loans | 13.6105% | 225 |
| Net loans and leases to total assets | 66.4525% | 3,758 |
| Net loans and leases to deposits | 85.5065% | 2,679 |
| Net loans and leases to core deposits | 86.6596% | 3,804 |
| Total domestic deposits to total assets | 77.7163% | 6,388 |
| Equity capital to assets | 12.4665% | 1,777 |
| Core capital (leverage) ratio | 10.5224% | 2,603 |
| Tier 1 risk-based capital ratio | 12.2440% | 4,945 |
| Total risk-based capital ratio | 13.4713% | 4,947 |
| Memoranda: | ||
| Average total assets | $141,609,000 | 4,167 |
| Average earning assets | $126,201,500 | 4,239 |
| Average equity | $17,044,500 | 3,646 |
| Average total loans | $96,618,000 | 4,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8351% | 2,507 |
| Cost of funding earning assets | 1.8546% | 3,711 |
| Net interest margin | 3.9804% | 2,938 |
| Noninterest income to average assets | 0.6127% | 3,532 |
| Noninterest expense to average assets | 2.8149% | 4,906 |
| Loan and lease loss provision to assets | 1.8886% | 1,179 |
| Net operating income to assets | 0.1439% | 5,068 |
| Return on assets (ROA) | 0.2938% | 4,637 |
| Pretax return on assets | -0.2951% | 5,826 |
| Return on Equity (ROE) | 2.8238% | 4,575 |
| Retained earnings to average equity (ytd only) | 2.8238% | 3,193 |
| Net charge-offs to loans | 2.2271% | 1,063 |
| Credit loss provision to net charge-offs | 125.3719% | 4,169 |
| Earnings coverage of net charge-offs (x) | 0.9023% | 5,211 |
| Efficiency ratio | 67.4387% | 5,107 |
| Assets per employee ($millions) | 3.3728% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2344% | 306 |
| Loan loss allowance to noncurrent loans | 30.6900% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 9.2428% | 432 |
| Noncurrent loans to loans | 13.7974% | 214 |
| Net loans and leases to total assets | 64.1527% | 4,572 |
| Net loans and leases to deposits | 85.0227% | 3,081 |
| Net loans and leases to core deposits | 115.0015% | 2,415 |
| Total domestic deposits to total assets | 75.4537% | 6,785 |
| Equity capital to assets | 11.6264% | 2,229 |
| Core capital (leverage) ratio | 9.8770% | 3,231 |
| Tier 1 risk-based capital ratio | 12.0118% | 4,935 |
| Total risk-based capital ratio | 13.2376% | 4,912 |
| Memoranda: | ||
| Average total assets | $156,202,200 | 3,851 |
| Average earning assets | $139,758,200 | 3,912 |
| Average equity | $16,254,600 | 3,829 |
| Average total loans | $105,654,200 | 3,790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6874% | 3,401 |
| Cost of funding earning assets | 1.9313% | 3,710 |
| Net interest margin | 3.7561% | 3,834 |
| Noninterest income to average assets | 0.6642% | 3,261 |
| Noninterest expense to average assets | 2.8017% | 4,892 |
| Loan and lease loss provision to assets | 2.4738% | 671 |
| Net operating income to assets | -0.8629% | 6,738 |
| Return on assets (ROA) | -0.8864% | 6,758 |
| Pretax return on assets | -1.2738% | 6,851 |
| Return on Equity (ROE) | -8.7519% | 6,793 |
| Retained earnings to average equity (ytd only) | -8.7519% | 6,680 |
| Net charge-offs to loans | 2.9059% | 591 |
| Credit loss provision to net charge-offs | 125.5854% | 4,007 |
| Earnings coverage of net charge-offs (x) | 0.6262% | 5,401 |
| Efficiency ratio | 69.4306% | 4,706 |
| Assets per employee ($millions) | 3.4043% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9666% | 305 |
| Loan loss allowance to noncurrent loans | 28.0548% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 10.0296% | 336 |
| Noncurrent loans to loans | 14.1389% | 174 |
| Net loans and leases to total assets | 68.1222% | 3,931 |
| Net loans and leases to deposits | 92.0148% | 2,228 |
| Net loans and leases to core deposits | 111.1976% | 3,103 |
| Total domestic deposits to total assets | 74.0339% | 6,938 |
| Equity capital to assets | 10.6335% | 3,367 |
| Core capital (leverage) ratio | 8.7806% | 5,006 |
| Tier 1 risk-based capital ratio | 10.2529% | 6,735 |
| Total risk-based capital ratio | 11.4951% | 6,680 |
| Memoranda: | ||
| Average total assets | $158,994,750 | 3,814 |
| Average earning assets | $142,697,750 | 3,874 |
| Average equity | $16,102,750 | 3,890 |
| Average total loans | $107,778,750 | 3,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9940% | 2,205 |
| Cost of funding earning assets | 2.0719% | 3,412 |
| Net interest margin | 3.9221% | 3,012 |
| Noninterest income to average assets | 0.7917% | 2,454 |
| Noninterest expense to average assets | 2.7549% | 5,158 |
| Loan and lease loss provision to assets | 1.7770% | 936 |
| Net operating income to assets | 0.6409% | 3,501 |
| Return on assets (ROA) | 0.6409% | 3,603 |
| Pretax return on assets | -0.2304% | 6,158 |
| Return on Equity (ROE) | 6.4244% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.4244% | 1,835 |
| Net charge-offs to loans | 2.1633% | 854 |
| Credit loss provision to net charge-offs | 122.8814% | 3,786 |
| Earnings coverage of net charge-offs (x) | 1.0695% | 4,718 |
| Efficiency ratio | 64.0456% | 5,905 |
| Assets per employee ($millions) | 3.6773% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6947% | 322 |
| Loan loss allowance to noncurrent loans | 30.0365% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 8.3624% | 438 |
| Noncurrent loans to loans | 12.3007% | 209 |
| Net loans and leases to total assets | 65.4712% | 4,671 |
| Net loans and leases to deposits | 85.5396% | 3,640 |
| Net loans and leases to core deposits | 102.8861% | 4,193 |
| Total domestic deposits to total assets | 76.5391% | 6,428 |
| Equity capital to assets | 10.9730% | 2,946 |
| Core capital (leverage) ratio | 9.3251% | 4,134 |
| Tier 1 risk-based capital ratio | 11.6300% | 5,261 |
| Total risk-based capital ratio | 12.8146% | 5,253 |
| Memoranda: | ||
| Average total assets | $163,197,330 | 3,756 |
| Average earning assets | $146,046,000 | 3,821 |
| Average equity | $16,281,670 | 3,860 |
| Average total loans | $109,091,330 | 3,782 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8208% | 3,192 |
| Cost of funding earning assets | 2.2351% | 2,984 |
| Net interest margin | 3.5857% | 4,379 |
| Noninterest income to average assets | 1.1617% | 1,086 |
| Noninterest expense to average assets | 2.6327% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2538% | 1,497 |
| Return on assets (ROA) | 1.2538% | 1,599 |
| Pretax return on assets | 1.7260% | 1,126 |
| Return on Equity (ROE) | 13.1513% | 1,350 |
| Retained earnings to average equity (ytd only) | 13.1513% | 618 |
| Net charge-offs to loans | -0.0747% | 7,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4009% | 6,337 |
| Assets per employee ($millions) | 3.6592% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1886% | 408 |
| Loan loss allowance to noncurrent loans | 39.4537% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 5.5713% | 754 |
| Noncurrent loans to loans | 8.0819% | 441 |
| Net loans and leases to total assets | 66.7371% | 4,403 |
| Net loans and leases to deposits | 86.7778% | 3,514 |
| Net loans and leases to core deposits | 105.9111% | 3,933 |
| Total domestic deposits to total assets | 76.9057% | 6,301 |
| Equity capital to assets | 10.2891% | 3,664 |
| Core capital (leverage) ratio | 8.7192% | 5,122 |
| Tier 1 risk-based capital ratio | 11.0401% | 5,874 |
| Total risk-based capital ratio | 12.3072% | 5,762 |
| Memoranda: | ||
| Average total assets | $169,411,000 | 3,663 |
| Average earning assets | $151,043,500 | 3,732 |
| Average equity | $16,150,500 | 3,915 |
| Average total loans | $112,388,000 | 3,734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6061% | 2,459 |
| Cost of funding earning assets | 2.7667% | 2,845 |
| Net interest margin | 3.8394% | 3,840 |
| Noninterest income to average assets | 0.3767% | 5,677 |
| Noninterest expense to average assets | 2.3835% | 6,457 |
| Loan and lease loss provision to assets | 7.5283% | 34 |
| Net operating income to assets | -3.8426% | 7,959 |
| Return on assets (ROA) | -3.8426% | 7,941 |
| Pretax return on assets | -6.0307% | 8,104 |
| Return on Equity (ROE) | -35.8119% | 8,035 |
| Retained earnings to average equity (ytd only) | -39.1409% | 8,038 |
| Net charge-offs to loans | 10.7346% | 9 |
| Credit loss provision to net charge-offs | 102.0019% | 5,219 |
| Earnings coverage of net charge-offs (x) | 0.2029% | 6,115 |
| Efficiency ratio | 61.4140% | 6,076 |
| Assets per employee ($millions) | 4.1353% | 3,242 |
| Cash dividends to net income (ytd only)* | -9.2958% | 7,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0917% | 404 |
| Loan loss allowance to noncurrent loans | 152.5585% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2968% | 3,630 |
| Noncurrent loans to loans | 2.0266% | 2,733 |
| Net loans and leases to total assets | 62.0126% | 5,621 |
| Net loans and leases to deposits | 80.3804% | 4,980 |
| Net loans and leases to core deposits | 98.0666% | 5,031 |
| Total domestic deposits to total assets | 77.1490% | 5,954 |
| Equity capital to assets | 8.8490% | 5,566 |
| Core capital (leverage) ratio | 8.3302% | 5,892 |
| Tier 1 risk-based capital ratio | 10.0755% | 6,652 |
| Total risk-based capital ratio | 11.2848% | 6,575 |
| Memoranda: | ||
| Average total assets | $184,770,400 | 3,347 |
| Average earning assets | $168,647,000 | 3,354 |
| Average equity | $19,825,800 | 3,260 |
| Average total loans | $127,037,600 | 3,317 |