Home > Security State Bank of Fergus Falls > Performance and Condition Ratios
Security State Bank of Fergus Falls, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 2,734 |
| Cost of funding earning assets | 0.3176% | 2,821 |
| Net interest margin | 3.2531% | 2,540 |
| Noninterest income to average assets | 0.8048% | 1,574 |
| Noninterest expense to average assets | 2.1971% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7624% | 842 |
| Return on assets (ROA) | 1.7624% | 894 |
| Pretax return on assets | 1.7624% | 1,375 |
| Return on Equity (ROE) | 18.3632% | 680 |
| Retained earnings to average equity (ytd only) | -3.8560% | 4,643 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3725% | 4,055 |
| Assets per employee ($millions) | 7.4586% | 1,475 |
| Cash dividends to net income (ytd only)* | 120.9985% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,851 |
| Loan loss allowance to noncurrent loans | 341.8519% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,239 |
| Noncurrent loans to loans | 0.2915% | 3,061 |
| Net loans and leases to total assets | 58.5494% | 2,735 |
| Net loans and leases to deposits | 66.3512% | 2,885 |
| Net loans and leases to core deposits | 69.4090% | 2,918 |
| Total domestic deposits to total assets | 88.2417% | 1,722 |
| Equity capital to assets | 9.3137% | 3,374 |
| Core capital (leverage) ratio | 8.4567% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9089% | 2,319 |
| Memoranda: | ||
| Average total assets | $154,566,000 | 3,485 |
| Average earning assets | $149,889,500 | 3,416 |
| Average equity | $14,834,000 | 3,702 |
| Average total loans | $92,820,000 | 3,367 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,515 |
| Cost of funding earning assets | 0.3734% | 3,748 |
| Net interest margin | 4.0503% | 875 |
| Noninterest income to average assets | 0.4547% | 2,848 |
| Noninterest expense to average assets | 2.3849% | 3,167 |
| Loan and lease loss provision to assets | 0.0115% | 4,221 |
| Net operating income to assets | 1.8921% | 325 |
| Return on assets (ROA) | 1.8921% | 348 |
| Pretax return on assets | 1.8943% | 560 |
| Return on Equity (ROE) | 18.0428% | 329 |
| Retained earnings to average equity (ytd only) | 0.9849% | 4,238 |
| Net charge-offs to loans | -0.0105% | 4,268 |
| Credit loss provision to net charge-offs | -160.0000% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4042% | 4,428 |
| Assets per employee ($millions) | 6.9319% | 1,625 |
| Cash dividends to net income (ytd only)* | 94.5413% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,900 |
| Loan loss allowance to noncurrent loans | 341.8519% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 1,947 |
| Noncurrent loans to loans | 0.2903% | 3,160 |
| Net loans and leases to total assets | 60.3848% | 2,809 |
| Net loans and leases to deposits | 69.4888% | 2,938 |
| Net loans and leases to core deposits | 71.5063% | 3,129 |
| Total domestic deposits to total assets | 86.8985% | 1,986 |
| Equity capital to assets | 9.8884% | 3,228 |
| Core capital (leverage) ratio | 8.4850% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7069% | 2,359 |
| Memoranda: | ||
| Average total assets | $139,418,800 | 3,517 |
| Average earning assets | $132,038,600 | 3,483 |
| Average equity | $14,620,800 | 3,684 |
| Average total loans | $94,870,400 | 3,317 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 1,394 |
| Cost of funding earning assets | 0.4027% | 3,795 |
| Net interest margin | 4.1687% | 782 |
| Noninterest income to average assets | 0.4603% | 2,789 |
| Noninterest expense to average assets | 2.5276% | 2,748 |
| Loan and lease loss provision to assets | 0.0154% | 4,128 |
| Net operating income to assets | 1.8372% | 418 |
| Return on assets (ROA) | 1.8372% | 464 |
| Pretax return on assets | 1.8401% | 726 |
| Return on Equity (ROE) | 17.2430% | 423 |
| Retained earnings to average equity (ytd only) | -0.5147% | 4,555 |
| Net charge-offs to loans | -0.0140% | 4,312 |
| Credit loss provision to net charge-offs | -160.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4629% | 4,205 |
| Assets per employee ($millions) | 7.0020% | 1,498 |
| Cash dividends to net income (ytd only)* | 102.9851% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 4,042 |
| Loan loss allowance to noncurrent loans | 83.6051% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 924 |
| Noncurrent loans to loans | 1.0870% | 1,383 |
| Net loans and leases to total assets | 68.4444% | 2,178 |
| Net loans and leases to deposits | 79.0297% | 2,418 |
| Net loans and leases to core deposits | 81.5946% | 2,686 |
| Total domestic deposits to total assets | 86.6059% | 1,813 |
| Equity capital to assets | 10.0298% | 3,203 |
| Core capital (leverage) ratio | 8.8299% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8564% | 2,664 |
| Memoranda: | ||
| Average total assets | $136,148,000 | 3,553 |
| Average earning assets | $128,127,250 | 3,515 |
| Average equity | $14,506,000 | 3,698 |
| Average total loans | $95,335,250 | 3,316 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 1,008 |
| Cost of funding earning assets | 0.4502% | 3,790 |
| Net interest margin | 4.4310% | 580 |
| Noninterest income to average assets | 0.4498% | 2,808 |
| Noninterest expense to average assets | 2.5416% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0782% | 280 |
| Return on assets (ROA) | 2.0782% | 316 |
| Pretax return on assets | 2.0828% | 463 |
| Return on Equity (ROE) | 19.0914% | 298 |
| Retained earnings to average equity (ytd only) | 6.2113% | 1,979 |
| Net charge-offs to loans | -0.0214% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8812% | 4,452 |
| Assets per employee ($millions) | 6.6681% | 1,663 |
| Cash dividends to net income (ytd only)* | 67.4655% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 4,103 |
| Loan loss allowance to noncurrent loans | 56.1610% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 638 |
| Noncurrent loans to loans | 1.5587% | 960 |
| Net loans and leases to total assets | 70.0098% | 2,028 |
| Net loans and leases to deposits | 83.7920% | 2,015 |
| Net loans and leases to core deposits | 86.7688% | 2,376 |
| Total domestic deposits to total assets | 83.5519% | 2,900 |
| Equity capital to assets | 10.3001% | 2,926 |
| Core capital (leverage) ratio | 9.5311% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1596% | 2,540 |
| Memoranda: | ||
| Average total assets | $132,516,667 | 3,572 |
| Average earning assets | $124,846,333 | 3,533 |
| Average equity | $14,425,333 | 3,713 |
| Average total loans | $93,258,667 | 3,351 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,937 |
| Cost of funding earning assets | 0.5765% | 3,555 |
| Net interest margin | 4.0458% | 1,267 |
| Noninterest income to average assets | 0.3508% | 3,422 |
| Noninterest expense to average assets | 2.7554% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3905% | 1,010 |
| Return on assets (ROA) | 1.3905% | 1,086 |
| Pretax return on assets | 1.4000% | 1,566 |
| Return on Equity (ROE) | 12.3837% | 1,015 |
| Retained earnings to average equity (ytd only) | 0.1704% | 3,949 |
| Net charge-offs to loans | -0.0454% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4735% | 3,561 |
| Assets per employee ($millions) | 6.0042% | 1,678 |
| Cash dividends to net income (ytd only)* | 98.6239% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,692 |
| Loan loss allowance to noncurrent loans | 64.0989% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5584% | 676 |
| Noncurrent loans to loans | 1.5639% | 998 |
| Net loans and leases to total assets | 71.0385% | 2,086 |
| Net loans and leases to deposits | 86.0275% | 1,997 |
| Net loans and leases to core deposits | 90.5810% | 2,287 |
| Total domestic deposits to total assets | 82.5765% | 3,244 |
| Equity capital to assets | 11.3104% | 2,584 |
| Core capital (leverage) ratio | 10.4936% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0654% | 2,662 |
| Memoranda: | ||
| Average total assets | $125,426,000 | 3,633 |
| Average earning assets | $117,948,500 | 3,605 |
| Average equity | $14,083,000 | 3,762 |
| Average total loans | $88,083,000 | 3,440 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 2,148 |
| Cost of funding earning assets | 0.7537% | 2,897 |
| Net interest margin | 4.0109% | 1,821 |
| Noninterest income to average assets | 0.3821% | 3,402 |
| Noninterest expense to average assets | 2.7159% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4129% | 1,302 |
| Return on assets (ROA) | 1.4129% | 1,380 |
| Pretax return on assets | 1.4129% | 2,108 |
| Return on Equity (ROE) | 13.0620% | 1,148 |
| Retained earnings to average equity (ytd only) | -0.0585% | 4,709 |
| Net charge-offs to loans | 0.0146% | 3,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 137.3846% | 533 |
| Efficiency ratio | 60.9887% | 3,534 |
| Assets per employee ($millions) | 5.6711% | 1,904 |
| Cash dividends to net income (ytd only)* | 100.4479% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,238 |
| Loan loss allowance to noncurrent loans | 87.7691% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 897 |
| Noncurrent loans to loans | 1.1927% | 1,264 |
| Net loans and leases to total assets | 67.9611% | 2,683 |
| Net loans and leases to deposits | 79.7598% | 2,808 |
| Net loans and leases to core deposits | 83.8718% | 2,958 |
| Total domestic deposits to total assets | 85.2073% | 2,418 |
| Equity capital to assets | 11.1450% | 2,864 |
| Core capital (leverage) ratio | 10.4486% | 3,005 |
| Tier 1 risk-based capital ratio | 12.5512% | 4,040 |
| Total risk-based capital ratio | 13.4563% | 4,117 |
| Memoranda: | ||
| Average total assets | $126,405,600 | 3,610 |
| Average earning assets | $118,079,200 | 3,587 |
| Average equity | $13,673,200 | 3,790 |
| Average total loans | $89,236,600 | 3,413 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 2,150 |
| Cost of funding earning assets | 0.8110% | 2,654 |
| Net interest margin | 3.9795% | 2,017 |
| Noninterest income to average assets | 0.3880% | 3,390 |
| Noninterest expense to average assets | 2.6221% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4908% | 1,212 |
| Return on assets (ROA) | 1.4908% | 1,269 |
| Pretax return on assets | 1.4908% | 1,982 |
| Return on Equity (ROE) | 13.8860% | 1,006 |
| Retained earnings to average equity (ytd only) | 1.5766% | 4,406 |
| Net charge-offs to loans | 0.0044% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 472.6550% | 210 |
| Efficiency ratio | 58.9468% | 3,809 |
| Assets per employee ($millions) | 5.2771% | 2,254 |
| Cash dividends to net income (ytd only)* | 88.6461% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,368 |
| Loan loss allowance to noncurrent loans | 58.1038% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7393% | 576 |
| Noncurrent loans to loans | 1.7824% | 804 |
| Net loans and leases to total assets | 71.4107% | 2,261 |
| Net loans and leases to deposits | 85.0012% | 2,323 |
| Net loans and leases to core deposits | 89.0343% | 2,632 |
| Total domestic deposits to total assets | 84.0114% | 2,822 |
| Equity capital to assets | 11.6475% | 2,565 |
| Core capital (leverage) ratio | 10.2207% | 3,400 |
| Tier 1 risk-based capital ratio | 12.6816% | 4,037 |
| Total risk-based capital ratio | 13.5983% | 4,107 |
| Memoranda: | ||
| Average total assets | $126,816,000 | 3,643 |
| Average earning assets | $118,704,000 | 3,611 |
| Average equity | $13,615,250 | 3,844 |
| Average total loans | $90,123,750 | 3,436 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 2,343 |
| Cost of funding earning assets | 0.8194% | 2,555 |
| Net interest margin | 3.8861% | 2,282 |
| Noninterest income to average assets | 0.3421% | 3,648 |
| Noninterest expense to average assets | 2.5095% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4678% | 1,237 |
| Return on assets (ROA) | 1.4678% | 1,293 |
| Pretax return on assets | 1.4678% | 1,964 |
| Return on Equity (ROE) | 14.0462% | 971 |
| Retained earnings to average equity (ytd only) | 4.8358% | 2,846 |
| Net charge-offs to loans | 0.0066% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 314.6667% | 254 |
| Efficiency ratio | 58.2095% | 3,983 |
| Assets per employee ($millions) | 5.9959% | 1,548 |
| Cash dividends to net income (ytd only)* | 65.5720% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,837 |
| Loan loss allowance to noncurrent loans | 71.3050% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.4889% | 758 |
| Noncurrent loans to loans | 1.3454% | 1,156 |
| Net loans and leases to total assets | 70.9848% | 2,388 |
| Net loans and leases to deposits | 92.6282% | 1,422 |
| Net loans and leases to core deposits | 97.0351% | 1,974 |
| Total domestic deposits to total assets | 76.6341% | 4,603 |
| Equity capital to assets | 10.6444% | 3,393 |
| Core capital (leverage) ratio | 9.8308% | 3,789 |
| Tier 1 risk-based capital ratio | 11.8903% | 4,479 |
| Total risk-based capital ratio | 12.7430% | 4,584 |
| Memoranda: | ||
| Average total assets | $128,630,000 | 3,637 |
| Average earning assets | $120,327,670 | 3,617 |
| Average equity | $13,441,330 | 3,868 |
| Average total loans | $90,971,330 | 3,437 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 3,018 |
| Cost of funding earning assets | 0.7616% | 2,725 |
| Net interest margin | 3.6974% | 2,902 |
| Noninterest income to average assets | 0.3748% | 3,350 |
| Noninterest expense to average assets | 2.6868% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1591% | 2,219 |
| Return on assets (ROA) | 1.1591% | 2,276 |
| Pretax return on assets | 1.1591% | 2,942 |
| Return on Equity (ROE) | 11.2012% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.4788% | 2,700 |
| Net charge-offs to loans | 0.0135% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 122.6667% | 578 |
| Efficiency ratio | 64.7011% | 3,131 |
| Assets per employee ($millions) | 5.7898% | 1,710 |
| Cash dividends to net income (ytd only)* | 51.0870% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,660 |
| Loan loss allowance to noncurrent loans | 67.8892% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5921% | 724 |
| Noncurrent loans to loans | 1.4815% | 1,089 |
| Net loans and leases to total assets | 70.0875% | 2,463 |
| Net loans and leases to deposits | 91.3018% | 1,483 |
| Net loans and leases to core deposits | 95.7567% | 1,948 |
| Total domestic deposits to total assets | 76.7647% | 4,676 |
| Equity capital to assets | 10.5523% | 3,304 |
| Core capital (leverage) ratio | 10.0116% | 3,591 |
| Tier 1 risk-based capital ratio | 11.9324% | 4,498 |
| Total risk-based capital ratio | 12.8024% | 4,603 |
| Memoranda: | ||
| Average total assets | $126,990,000 | 3,692 |
| Average earning assets | $119,218,500 | 3,668 |
| Average equity | $13,141,500 | 3,925 |
| Average total loans | $89,185,500 | 3,508 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,818 |
| Cost of funding earning assets | 0.5243% | 3,210 |
| Net interest margin | 3.8593% | 2,470 |
| Noninterest income to average assets | 0.3970% | 3,459 |
| Noninterest expense to average assets | 2.7018% | 3,018 |
| Loan and lease loss provision to assets | 0.0041% | 4,029 |
| Net operating income to assets | 1.3043% | 1,779 |
| Return on assets (ROA) | 1.3043% | 1,767 |
| Pretax return on assets | 1.3051% | 2,479 |
| Return on Equity (ROE) | 12.8533% | 1,395 |
| Retained earnings to average equity (ytd only) | 3.9598% | 3,396 |
| Net charge-offs to loans | -0.0917% | 5,129 |
| Credit loss provision to net charge-offs | -6.1728% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3106% | 3,464 |
| Assets per employee ($millions) | 5.5046% | 1,951 |
| Cash dividends to net income (ytd only)* | 69.1925% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,490 |
| Loan loss allowance to noncurrent loans | 95.4879% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,467 |
| Noncurrent loans to loans | 1.0806% | 1,509 |
| Net loans and leases to total assets | 68.9388% | 2,738 |
| Net loans and leases to deposits | 85.8438% | 2,292 |
| Net loans and leases to core deposits | 89.8599% | 2,584 |
| Total domestic deposits to total assets | 80.3073% | 4,038 |
| Equity capital to assets | 10.1434% | 3,530 |
| Core capital (leverage) ratio | 10.0486% | 3,523 |
| Tier 1 risk-based capital ratio | 11.8778% | 4,513 |
| Total risk-based capital ratio | 12.7639% | 4,620 |
| Memoranda: | ||
| Average total assets | $123,435,800 | 3,738 |
| Average earning assets | $115,592,200 | 3,724 |
| Average equity | $12,526,000 | 3,953 |
| Average total loans | $88,378,600 | 3,507 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 3,033 |
| Cost of funding earning assets | 0.4883% | 3,270 |
| Net interest margin | 3.7920% | 2,677 |
| Noninterest income to average assets | 0.4207% | 3,346 |
| Noninterest expense to average assets | 2.5917% | 3,305 |
| Loan and lease loss provision to assets | 0.0054% | 3,867 |
| Net operating income to assets | 1.3763% | 1,570 |
| Return on assets (ROA) | 1.3763% | 1,573 |
| Pretax return on assets | 1.3774% | 2,311 |
| Return on Equity (ROE) | 13.5612% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.3490% | 3,583 |
| Net charge-offs to loans | -0.0935% | 5,145 |
| Credit loss provision to net charge-offs | -8.0645% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0656% | 3,809 |
| Assets per employee ($millions) | 5.6080% | 1,817 |
| Cash dividends to net income (ytd only)* | 67.9305% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,607 |
| Loan loss allowance to noncurrent loans | 63.6429% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 1,017 |
| Noncurrent loans to loans | 1.6137% | 981 |
| Net loans and leases to total assets | 69.5984% | 2,707 |
| Net loans and leases to deposits | 86.0167% | 2,364 |
| Net loans and leases to core deposits | 90.1320% | 2,652 |
| Total domestic deposits to total assets | 80.9127% | 3,889 |
| Equity capital to assets | 10.0871% | 3,552 |
| Core capital (leverage) ratio | 9.9408% | 3,702 |
| Tier 1 risk-based capital ratio | 12.0628% | 4,466 |
| Total risk-based capital ratio | 12.9550% | 4,551 |
| Memoranda: | ||
| Average total assets | $122,643,500 | 3,789 |
| Average earning assets | $114,942,250 | 3,770 |
| Average equity | $12,447,000 | 3,996 |
| Average total loans | $88,425,750 | 3,538 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,249 |
| Cost of funding earning assets | 0.4818% | 3,150 |
| Net interest margin | 3.6762% | 3,022 |
| Noninterest income to average assets | 0.4314% | 3,285 |
| Noninterest expense to average assets | 2.5637% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3072% | 1,741 |
| Return on assets (ROA) | 1.3072% | 1,738 |
| Pretax return on assets | 1.3088% | 2,473 |
| Return on Equity (ROE) | 12.8538% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.1056% | 2,493 |
| Net charge-offs to loans | -0.1888% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9283% | 3,779 |
| Assets per employee ($millions) | 5.1085% | 2,281 |
| Cash dividends to net income (ytd only)* | 52.5000% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,688 |
| Loan loss allowance to noncurrent loans | 27.6712% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.7585% | 289 |
| Noncurrent loans to loans | 3.7025% | 256 |
| Net loans and leases to total assets | 71.6249% | 2,339 |
| Net loans and leases to deposits | 86.5991% | 2,257 |
| Net loans and leases to core deposits | 91.2819% | 2,459 |
| Total domestic deposits to total assets | 82.7086% | 3,493 |
| Equity capital to assets | 10.3121% | 3,325 |
| Core capital (leverage) ratio | 10.0290% | 3,548 |
| Tier 1 risk-based capital ratio | 11.9214% | 4,546 |
| Total risk-based capital ratio | 12.8278% | 4,633 |
| Memoranda: | ||
| Average total assets | $122,399,670 | 3,821 |
| Average earning assets | $114,574,670 | 3,795 |
| Average equity | $12,447,670 | 4,019 |
| Average total loans | $88,981,670 | 3,544 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,204 |
| Cost of funding earning assets | 0.4766% | 2,994 |
| Net interest margin | 3.6338% | 3,053 |
| Noninterest income to average assets | 0.5397% | 2,575 |
| Noninterest expense to average assets | 2.6035% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3246% | 1,564 |
| Return on assets (ROA) | 1.3246% | 1,569 |
| Pretax return on assets | 1.3279% | 2,257 |
| Return on Equity (ROE) | 13.1174% | 1,231 |
| Retained earnings to average equity (ytd only) | 4.1134% | 3,557 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0649% | 3,934 |
| Assets per employee ($millions) | 5.0424% | 2,434 |
| Cash dividends to net income (ytd only)* | 68.6420% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,331 |
| Loan loss allowance to noncurrent loans | 24.1865% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.8988% | 284 |
| Noncurrent loans to loans | 3.8270% | 267 |
| Net loans and leases to total assets | 72.9699% | 2,031 |
| Net loans and leases to deposits | 87.8186% | 1,952 |
| Net loans and leases to core deposits | 92.4312% | 2,264 |
| Total domestic deposits to total assets | 83.0916% | 3,639 |
| Equity capital to assets | 10.2085% | 3,380 |
| Core capital (leverage) ratio | 9.6823% | 3,867 |
| Tier 1 risk-based capital ratio | 11.6242% | 4,787 |
| Total risk-based capital ratio | 12.4481% | 4,931 |
| Memoranda: | ||
| Average total assets | $122,297,500 | 3,861 |
| Average earning assets | $114,150,500 | 3,844 |
| Average equity | $12,350,000 | 4,069 |
| Average total loans | $89,110,500 | 3,567 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,338 |
| Cost of funding earning assets | 0.3511% | 3,707 |
| Net interest margin | 3.6679% | 2,924 |
| Noninterest income to average assets | 0.3686% | 3,835 |
| Noninterest expense to average assets | 2.7018% | 3,121 |
| Loan and lease loss provision to assets | 0.1777% | 1,221 |
| Net operating income to assets | 0.9331% | 2,532 |
| Return on assets (ROA) | 0.9331% | 2,565 |
| Pretax return on assets | 0.9339% | 3,792 |
| Return on Equity (ROE) | 8.9403% | 2,347 |
| Retained earnings to average equity (ytd only) | 0.3326% | 4,891 |
| Net charge-offs to loans | 0.2360% | 1,100 |
| Credit loss provision to net charge-offs | 102.3810% | 2,501 |
| Earnings coverage of net charge-offs (x) | 6.4048% | 3,185 |
| Efficiency ratio | 65.4313% | 3,357 |
| Assets per employee ($millions) | 4.9431% | 2,552 |
| Cash dividends to net income (ytd only)* | 96.2799% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,341 |
| Loan loss allowance to noncurrent loans | 33.0794% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1873% | 477 |
| Noncurrent loans to loans | 2.7994% | 423 |
| Net loans and leases to total assets | 71.4245% | 2,317 |
| Net loans and leases to deposits | 85.6983% | 2,301 |
| Net loans and leases to core deposits | 90.0820% | 2,565 |
| Total domestic deposits to total assets | 83.3441% | 3,451 |
| Equity capital to assets | 9.9905% | 3,720 |
| Core capital (leverage) ratio | 9.5161% | 4,025 |
| Tier 1 risk-based capital ratio | 11.4598% | 4,875 |
| Total risk-based capital ratio | 12.2713% | 5,017 |
| Memoranda: | ||
| Average total assets | $120,992,600 | 3,879 |
| Average earning assets | $113,633,000 | 3,846 |
| Average equity | $12,628,200 | 4,036 |
| Average total loans | $88,964,400 | 3,542 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 3,371 |
| Cost of funding earning assets | 0.3378% | 3,794 |
| Net interest margin | 3.6597% | 2,918 |
| Noninterest income to average assets | 0.3756% | 3,843 |
| Noninterest expense to average assets | 2.6190% | 3,350 |
| Loan and lease loss provision to assets | 0.1828% | 1,081 |
| Net operating income to assets | 1.0292% | 2,417 |
| Return on assets (ROA) | 1.0292% | 2,458 |
| Pretax return on assets | 1.0303% | 3,566 |
| Return on Equity (ROE) | 9.7540% | 2,228 |
| Retained earnings to average equity (ytd only) | 1.2074% | 4,921 |
| Net charge-offs to loans | 0.2669% | 810 |
| Credit loss provision to net charge-offs | 92.6966% | 2,421 |
| Earnings coverage of net charge-offs (x) | 6.1516% | 3,013 |
| Efficiency ratio | 62.9084% | 3,730 |
| Assets per employee ($millions) | 4.8524% | 2,625 |
| Cash dividends to net income (ytd only)* | 87.6211% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,519 |
| Loan loss allowance to noncurrent loans | 31.9225% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 2.3386% | 490 |
| Noncurrent loans to loans | 2.8536% | 470 |
| Net loans and leases to total assets | 72.3617% | 2,206 |
| Net loans and leases to deposits | 87.9632% | 2,069 |
| Net loans and leases to core deposits | 92.6264% | 2,383 |
| Total domestic deposits to total assets | 82.2636% | 3,695 |
| Equity capital to assets | 10.3116% | 3,582 |
| Core capital (leverage) ratio | 9.8196% | 3,798 |
| Tier 1 risk-based capital ratio | 12.2730% | 4,452 |
| Total risk-based capital ratio | 13.1215% | 4,591 |
| Memoranda: | ||
| Average total assets | $120,346,250 | 3,927 |
| Average earning assets | $113,669,000 | 3,890 |
| Average equity | $12,698,750 | 4,070 |
| Average total loans | $88,933,000 | 3,580 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,101 |
| Cost of funding earning assets | 0.3067% | 4,020 |
| Net interest margin | 3.7208% | 2,581 |
| Noninterest income to average assets | 0.3533% | 4,030 |
| Noninterest expense to average assets | 2.6661% | 3,213 |
| Loan and lease loss provision to assets | 0.0417% | 3,170 |
| Net operating income to assets | 1.1614% | 1,732 |
| Return on assets (ROA) | 1.1614% | 1,771 |
| Pretax return on assets | 1.1631% | 2,916 |
| Return on Equity (ROE) | 10.9231% | 1,676 |
| Retained earnings to average equity (ytd only) | -1.8336% | 5,331 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4955% | 3,761 |
| Assets per employee ($millions) | 4.8506% | 2,587 |
| Cash dividends to net income (ytd only)* | 116.7862% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,356 |
| Loan loss allowance to noncurrent loans | 30.2867% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 2.5556% | 415 |
| Noncurrent loans to loans | 3.1756% | 391 |
| Net loans and leases to total assets | 71.7542% | 2,243 |
| Net loans and leases to deposits | 83.8322% | 2,505 |
| Net loans and leases to core deposits | 88.9493% | 2,619 |
| Total domestic deposits to total assets | 85.5926% | 2,576 |
| Equity capital to assets | 10.1217% | 3,769 |
| Core capital (leverage) ratio | 9.7190% | 3,873 |
| Tier 1 risk-based capital ratio | 12.1406% | 4,537 |
| Total risk-based capital ratio | 13.0235% | 4,673 |
| Memoranda: | ||
| Average total assets | $120,025,000 | 3,964 |
| Average earning assets | $113,471,670 | 3,915 |
| Average equity | $12,762,000 | 4,073 |
| Average total loans | $89,047,670 | 3,594 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 3,298 |
| Cost of funding earning assets | 0.2963% | 4,086 |
| Net interest margin | 3.6296% | 2,782 |
| Noninterest income to average assets | 0.3651% | 3,921 |
| Noninterest expense to average assets | 2.7134% | 3,092 |
| Loan and lease loss provision to assets | 0.0837% | 2,144 |
| Net operating income to assets | 1.0117% | 2,259 |
| Return on assets (ROA) | 1.0117% | 2,311 |
| Pretax return on assets | 1.0150% | 3,306 |
| Return on Equity (ROE) | 9.2880% | 2,275 |
| Retained earnings to average equity (ytd only) | -11.8407% | 5,619 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7293% | 3,544 |
| Assets per employee ($millions) | 4.8356% | 2,646 |
| Cash dividends to net income (ytd only)* | 227.4834% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,647 |
| Loan loss allowance to noncurrent loans | 20.7923% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 3.4419% | 250 |
| Noncurrent loans to loans | 4.4676% | 208 |
| Net loans and leases to total assets | 74.5473% | 1,654 |
| Net loans and leases to deposits | 89.9627% | 1,535 |
| Net loans and leases to core deposits | 95.6577% | 1,841 |
| Total domestic deposits to total assets | 82.8647% | 3,900 |
| Equity capital to assets | 10.6393% | 3,026 |
| Core capital (leverage) ratio | 10.2311% | 3,210 |
| Tier 1 risk-based capital ratio | 12.0712% | 4,667 |
| Total risk-based capital ratio | 12.9230% | 4,826 |
| Memoranda: | ||
| Average total assets | $119,405,500 | 4,003 |
| Average earning assets | $113,401,000 | 3,956 |
| Average equity | $13,006,000 | 4,058 |
| Average total loans | $89,643,000 | 3,603 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,901 |
| Cost of funding earning assets | 0.2994% | 4,072 |
| Net interest margin | 3.5043% | 3,412 |
| Noninterest income to average assets | 0.3722% | 4,082 |
| Noninterest expense to average assets | 2.7116% | 3,313 |
| Loan and lease loss provision to assets | 0.1642% | 1,505 |
| Net operating income to assets | 0.8170% | 3,225 |
| Return on assets (ROA) | 0.8170% | 3,333 |
| Pretax return on assets | 0.8178% | 4,139 |
| Return on Equity (ROE) | 7.9018% | 2,997 |
| Retained earnings to average equity (ytd only) | 2.7984% | 3,911 |
| Net charge-offs to loans | 0.1225% | 2,035 |
| Credit loss provision to net charge-offs | 177.5862% | 1,576 |
| Earnings coverage of net charge-offs (x) | 10.6207% | 2,623 |
| Efficiency ratio | 68.0190% | 3,226 |
| Assets per employee ($millions) | 4.7168% | 2,763 |
| Cash dividends to net income (ytd only)* | 64.5854% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,660 |
| Loan loss allowance to noncurrent loans | 22.2102% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.2132% | 285 |
| Noncurrent loans to loans | 4.1803% | 237 |
| Net loans and leases to total assets | 74.2028% | 1,817 |
| Net loans and leases to deposits | 89.8856% | 1,696 |
| Net loans and leases to core deposits | 96.0884% | 1,918 |
| Total domestic deposits to total assets | 82.5526% | 3,918 |
| Equity capital to assets | 11.1516% | 2,477 |
| Core capital (leverage) ratio | 10.3439% | 3,054 |
| Tier 1 risk-based capital ratio | 13.0471% | 4,038 |
| Total risk-based capital ratio | 13.8990% | 4,184 |
| Memoranda: | ||
| Average total assets | $125,463,000 | 3,901 |
| Average earning assets | $118,911,800 | 3,849 |
| Average equity | $12,971,800 | 4,089 |
| Average total loans | $94,718,600 | 3,487 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 3,981 |
| Cost of funding earning assets | 0.3337% | 3,733 |
| Net interest margin | 3.4474% | 3,680 |
| Noninterest income to average assets | 0.3811% | 4,060 |
| Noninterest expense to average assets | 2.6635% | 3,453 |
| Loan and lease loss provision to assets | 0.0785% | 2,650 |
| Net operating income to assets | 0.9046% | 2,881 |
| Return on assets (ROA) | 0.9046% | 3,021 |
| Pretax return on assets | 0.9056% | 3,959 |
| Return on Equity (ROE) | 8.9112% | 2,548 |
| Retained earnings to average equity (ytd only) | 3.0013% | 4,117 |
| Net charge-offs to loans | 0.0014% | 3,900 |
| Credit loss provision to net charge-offs | 7,500.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 942.3308% | 85 |
| Efficiency ratio | 67.6234% | 3,295 |
| Assets per employee ($millions) | 5.2079% | 2,136 |
| Cash dividends to net income (ytd only)* | 66.3194% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 5,037 |
| Loan loss allowance to noncurrent loans | 20.5732% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 3.2043% | 343 |
| Noncurrent loans to loans | 4.1337% | 256 |
| Net loans and leases to total assets | 74.9940% | 1,705 |
| Net loans and leases to deposits | 92.7362% | 1,406 |
| Net loans and leases to core deposits | 98.8964% | 1,735 |
| Total domestic deposits to total assets | 80.8681% | 4,280 |
| Equity capital to assets | 10.5296% | 3,532 |
| Core capital (leverage) ratio | 9.9506% | 3,628 |
| Tier 1 risk-based capital ratio | 12.0579% | 4,757 |
| Total risk-based capital ratio | 12.8366% | 4,947 |
| Memoranda: | ||
| Average total assets | $127,348,750 | 3,903 |
| Average earning assets | $120,667,500 | 3,837 |
| Average equity | $12,927,250 | 4,136 |
| Average total loans | $96,318,250 | 3,467 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,101 |
| Cost of funding earning assets | 0.2964% | 4,174 |
| Net interest margin | 3.4618% | 3,637 |
| Noninterest income to average assets | 0.3543% | 4,237 |
| Noninterest expense to average assets | 2.6753% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9584% | 2,589 |
| Return on assets (ROA) | 0.9584% | 2,737 |
| Pretax return on assets | 0.9599% | 3,740 |
| Return on Equity (ROE) | 9.5569% | 2,251 |
| Retained earnings to average equity (ytd only) | 2.4126% | 4,350 |
| Net charge-offs to loans | 0.0021% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 102 |
| Efficiency ratio | 68.2267% | 3,290 |
| Assets per employee ($millions) | 5.0976% | 2,200 |
| Cash dividends to net income (ytd only)* | 74.7557% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 5,355 |
| Loan loss allowance to noncurrent loans | 24.7035% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.3917% | 607 |
| Noncurrent loans to loans | 3.1079% | 466 |
| Net loans and leases to total assets | 73.9350% | 1,856 |
| Net loans and leases to deposits | 99.8802% | 702 |
| Net loans and leases to core deposits | 105.7854% | 1,196 |
| Total domestic deposits to total assets | 74.0237% | 5,517 |
| Equity capital to assets | 10.1900% | 3,989 |
| Core capital (leverage) ratio | 9.6599% | 3,986 |
| Tier 1 risk-based capital ratio | 11.8815% | 4,920 |
| Total risk-based capital ratio | 12.5871% | 5,155 |
| Memoranda: | ||
| Average total assets | $128,135,000 | 3,914 |
| Average earning assets | $121,438,000 | 3,853 |
| Average equity | $12,849,330 | 4,168 |
| Average total loans | $96,911,330 | 3,465 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 4,264 |
| Cost of funding earning assets | 0.3048% | 4,106 |
| Net interest margin | 3.4119% | 3,831 |
| Noninterest income to average assets | 0.3518% | 4,209 |
| Noninterest expense to average assets | 2.5093% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0803% | 1,984 |
| Return on assets (ROA) | 1.0803% | 2,088 |
| Pretax return on assets | 1.0834% | 3,159 |
| Return on Equity (ROE) | 10.8599% | 1,645 |
| Retained earnings to average equity (ytd only) | 0.7198% | 4,929 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4714% | 4,046 |
| Assets per employee ($millions) | 4.9518% | 2,393 |
| Cash dividends to net income (ytd only)* | 93.3718% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 5,522 |
| Loan loss allowance to noncurrent loans | 29.7838% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 887 |
| Noncurrent loans to loans | 2.4804% | 765 |
| Net loans and leases to total assets | 76.1851% | 1,366 |
| Net loans and leases to deposits | 102.9299% | 465 |
| Net loans and leases to core deposits | 109.5492% | 873 |
| Total domestic deposits to total assets | 74.0165% | 5,611 |
| Equity capital to assets | 9.9241% | 4,182 |
| Core capital (leverage) ratio | 9.4307% | 4,310 |
| Tier 1 risk-based capital ratio | 11.1881% | 5,402 |
| Total risk-based capital ratio | 11.8628% | 5,613 |
| Memoranda: | ||
| Average total assets | $128,483,000 | 3,937 |
| Average earning assets | $122,043,500 | 3,870 |
| Average equity | $12,781,000 | 4,194 |
| Average total loans | $97,891,500 | 3,456 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,064 |
| Cost of funding earning assets | 0.2985% | 4,263 |
| Net interest margin | 3.4955% | 3,541 |
| Noninterest income to average assets | 0.4417% | 3,735 |
| Noninterest expense to average assets | 2.6608% | 3,729 |
| Loan and lease loss provision to assets | 0.4493% | 273 |
| Net operating income to assets | 0.6355% | 4,109 |
| Return on assets (ROA) | 0.6355% | 4,197 |
| Pretax return on assets | 0.6370% | 4,711 |
| Return on Equity (ROE) | 6.0790% | 3,998 |
| Retained earnings to average equity (ytd only) | 0.2189% | 5,423 |
| Net charge-offs to loans | 0.4397% | 625 |
| Credit loss provision to net charge-offs | 136.3426% | 1,925 |
| Earnings coverage of net charge-offs (x) | 3.2963% | 3,748 |
| Efficiency ratio | 65.9202% | 3,919 |
| Assets per employee ($millions) | 4.9315% | 2,440 |
| Cash dividends to net income (ytd only)* | 96.3986% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 5,529 |
| Loan loss allowance to noncurrent loans | 29.5188% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.0044% | 880 |
| Noncurrent loans to loans | 2.5504% | 704 |
| Net loans and leases to total assets | 75.0567% | 1,565 |
| Net loans and leases to deposits | 101.5672% | 574 |
| Net loans and leases to core deposits | 108.8740% | 926 |
| Total domestic deposits to total assets | 73.8986% | 5,660 |
| Equity capital to assets | 9.9712% | 3,993 |
| Core capital (leverage) ratio | 9.6441% | 3,986 |
| Tier 1 risk-based capital ratio | 11.5786% | 5,202 |
| Total risk-based capital ratio | 12.2632% | 5,420 |
| Memoranda: | ||
| Average total assets | $131,087,400 | 3,869 |
| Average earning assets | $123,959,400 | 3,801 |
| Average equity | $13,702,800 | 4,014 |
| Average total loans | $98,238,200 | 3,415 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,196 |
| Cost of funding earning assets | 0.3061% | 4,265 |
| Net interest margin | 3.4598% | 3,721 |
| Noninterest income to average assets | 0.4775% | 3,519 |
| Noninterest expense to average assets | 2.5461% | 4,064 |
| Loan and lease loss provision to assets | 0.5958% | 154 |
| Net operating income to assets | 0.6039% | 4,367 |
| Return on assets (ROA) | 0.6039% | 4,471 |
| Pretax return on assets | 0.6059% | 4,959 |
| Return on Equity (ROE) | 5.7132% | 4,291 |
| Retained earnings to average equity (ytd only) | -1.9714% | 5,853 |
| Net charge-offs to loans | 0.5844% | 382 |
| Credit loss provision to net charge-offs | 136.3426% | 1,811 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,606 |
| Efficiency ratio | 62.8610% | 4,434 |
| Assets per employee ($millions) | 5.0487% | 2,245 |
| Cash dividends to net income (ytd only)* | 134.5059% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 5,643 |
| Loan loss allowance to noncurrent loans | 33.9062% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 1,258 |
| Noncurrent loans to loans | 2.1814% | 1,017 |
| Net loans and leases to total assets | 74.6339% | 1,622 |
| Net loans and leases to deposits | 101.8940% | 550 |
| Net loans and leases to core deposits | 108.7421% | 943 |
| Total domestic deposits to total assets | 73.2467% | 5,765 |
| Equity capital to assets | 10.7606% | 3,291 |
| Core capital (leverage) ratio | 10.4223% | 3,139 |
| Tier 1 risk-based capital ratio | 12.5336% | 4,735 |
| Total risk-based capital ratio | 13.2070% | 5,027 |
| Memoranda: | ||
| Average total assets | $131,804,500 | 3,899 |
| Average earning assets | $124,591,500 | 3,836 |
| Average equity | $13,932,250 | 4,033 |
| Average total loans | $98,556,000 | 3,440 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,549 |
| Cost of funding earning assets | 0.3193% | 4,167 |
| Net interest margin | 3.3386% | 4,144 |
| Noninterest income to average assets | 0.3031% | 4,787 |
| Noninterest expense to average assets | 2.5367% | 4,113 |
| Loan and lease loss provision to assets | 0.8304% | 95 |
| Net operating income to assets | 0.0864% | 5,892 |
| Return on assets (ROA) | 0.0864% | 5,936 |
| Pretax return on assets | 0.0894% | 5,937 |
| Return on Equity (ROE) | 0.8220% | 5,924 |
| Retained earnings to average equity (ytd only) | -10.7586% | 6,186 |
| Net charge-offs to loans | 0.8771% | 237 |
| Credit loss provision to net charge-offs | 126.8519% | 1,730 |
| Earnings coverage of net charge-offs (x) | 1.4051% | 3,522 |
| Efficiency ratio | 67.9088% | 3,682 |
| Assets per employee ($millions) | 5.0382% | 2,231 |
| Cash dividends to net income (ytd only)* | 1,408.7719% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 5,802 |
| Loan loss allowance to noncurrent loans | 20.8094% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.6589% | 681 |
| Noncurrent loans to loans | 3.4004% | 531 |
| Net loans and leases to total assets | 73.8078% | 1,692 |
| Net loans and leases to deposits | 101.9347% | 553 |
| Net loans and leases to core deposits | 107.9449% | 957 |
| Total domestic deposits to total assets | 72.4069% | 5,918 |
| Equity capital to assets | 10.4464% | 3,503 |
| Core capital (leverage) ratio | 9.9693% | 3,653 |
| Tier 1 risk-based capital ratio | 12.0331% | 5,124 |
| Total risk-based capital ratio | 12.6698% | 5,441 |
| Memoranda: | ||
| Average total assets | $131,984,000 | 3,925 |
| Average earning assets | $124,664,000 | 3,866 |
| Average equity | $13,868,000 | 4,067 |
| Average total loans | $98,508,330 | 3,467 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,362 |
| Cost of funding earning assets | 0.3796% | 3,530 |
| Net interest margin | 3.3208% | 4,129 |
| Noninterest income to average assets | 0.2536% | 5,146 |
| Noninterest expense to average assets | 2.3098% | 4,852 |
| Loan and lease loss provision to assets | 1.3225% | 49 |
| Net operating income to assets | -0.2355% | 6,164 |
| Return on assets (ROA) | -0.2355% | 6,185 |
| Pretax return on assets | -0.2355% | 6,171 |
| Return on Equity (ROE) | -2.2350% | 6,181 |
| Retained earnings to average equity (ytd only) | -25.2436% | 6,314 |
| Net charge-offs to loans | 1.3000% | 157 |
| Credit loss provision to net charge-offs | 136.0248% | 1,335 |
| Earnings coverage of net charge-offs (x) | 1.1180% | 2,967 |
| Efficiency ratio | 62.4000% | 4,732 |
| Assets per employee ($millions) | 4.8713% | 2,528 |
| Cash dividends to net income (ytd only)* | -1,029.4872% | 6,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 5,911 |
| Loan loss allowance to noncurrent loans | 34.6405% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 1.6430% | 1,544 |
| Noncurrent loans to loans | 2.0176% | 1,293 |
| Net loans and leases to total assets | 74.4302% | 1,438 |
| Net loans and leases to deposits | 100.9904% | 511 |
| Net loans and leases to core deposits | 106.8011% | 891 |
| Total domestic deposits to total assets | 73.7003% | 5,924 |
| Equity capital to assets | 10.3189% | 3,754 |
| Core capital (leverage) ratio | 9.8125% | 3,871 |
| Tier 1 risk-based capital ratio | 11.6672% | 5,455 |
| Total risk-based capital ratio | 12.2923% | 5,712 |
| Memoranda: | ||
| Average total assets | $132,479,500 | 3,945 |
| Average earning assets | $125,393,000 | 3,882 |
| Average equity | $13,960,000 | 4,080 |
| Average total loans | $99,076,500 | 3,473 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 4,525 |
| Cost of funding earning assets | 0.3755% | 3,968 |
| Net interest margin | 3.4152% | 4,134 |
| Noninterest income to average assets | 0.3444% | 4,638 |
| Noninterest expense to average assets | 2.4297% | 4,761 |
| Loan and lease loss provision to assets | 0.0913% | 2,640 |
| Net operating income to assets | 1.0438% | 2,197 |
| Return on assets (ROA) | 1.0438% | 2,265 |
| Pretax return on assets | 1.0445% | 3,327 |
| Return on Equity (ROE) | 9.1980% | 2,485 |
| Retained earnings to average equity (ytd only) | -5.7603% | 6,210 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8937% | 4,770 |
| Assets per employee ($millions) | 5.1320% | 2,150 |
| Cash dividends to net income (ytd only)* | 162.6255% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5755% | 6,173 |
| Loan loss allowance to noncurrent loans | 27.0156% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 1,553 |
| Noncurrent loans to loans | 2.1302% | 1,273 |
| Net loans and leases to total assets | 74.1915% | 1,555 |
| Net loans and leases to deposits | 95.7658% | 916 |
| Net loans and leases to core deposits | 106.1460% | 1,013 |
| Total domestic deposits to total assets | 77.4718% | 5,527 |
| Equity capital to assets | 10.7530% | 3,177 |
| Core capital (leverage) ratio | 9.7631% | 3,880 |
| Tier 1 risk-based capital ratio | 12.3913% | 5,095 |
| Total risk-based capital ratio | 12.9509% | 5,456 |
| Memoranda: | ||
| Average total assets | $133,553,200 | 3,909 |
| Average earning assets | $125,966,200 | 3,843 |
| Average equity | $15,155,400 | 3,807 |
| Average total loans | $98,082,400 | 3,463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 4,574 |
| Cost of funding earning assets | 0.3852% | 3,954 |
| Net interest margin | 3.4057% | 4,218 |
| Noninterest income to average assets | 0.3423% | 4,702 |
| Noninterest expense to average assets | 2.4603% | 4,643 |
| Loan and lease loss provision to assets | 0.0549% | 3,278 |
| Net operating income to assets | 1.0380% | 2,290 |
| Return on assets (ROA) | 1.0380% | 2,347 |
| Pretax return on assets | 1.0390% | 3,430 |
| Return on Equity (ROE) | 9.0292% | 2,668 |
| Retained earnings to average equity (ytd only) | 3.4033% | 4,201 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9427% | 4,551 |
| Assets per employee ($millions) | 4.8631% | 2,426 |
| Cash dividends to net income (ytd only)* | 62.3079% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 6,305 |
| Loan loss allowance to noncurrent loans | 23.2217% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 1,664 |
| Noncurrent loans to loans | 2.2740% | 1,322 |
| Net loans and leases to total assets | 72.5926% | 1,745 |
| Net loans and leases to deposits | 90.2888% | 1,397 |
| Net loans and leases to core deposits | 99.8492% | 1,379 |
| Total domestic deposits to total assets | 80.4004% | 4,988 |
| Equity capital to assets | 11.9174% | 2,129 |
| Core capital (leverage) ratio | 10.6195% | 2,904 |
| Tier 1 risk-based capital ratio | 14.0650% | 4,163 |
| Total risk-based capital ratio | 14.5772% | 4,591 |
| Memoranda: | ||
| Average total assets | $133,583,250 | 3,946 |
| Average earning assets | $125,983,250 | 3,877 |
| Average equity | $15,357,250 | 3,792 |
| Average total loans | $97,710,750 | 3,497 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 4,544 |
| Cost of funding earning assets | 0.3995% | 3,870 |
| Net interest margin | 3.3962% | 4,193 |
| Noninterest income to average assets | 0.3379% | 4,723 |
| Noninterest expense to average assets | 2.4534% | 4,719 |
| Loan and lease loss provision to assets | 0.0819% | 2,668 |
| Net operating income to assets | 1.0034% | 2,310 |
| Return on assets (ROA) | 1.0034% | 2,377 |
| Pretax return on assets | 1.0049% | 3,457 |
| Return on Equity (ROE) | 8.8334% | 2,679 |
| Retained earnings to average equity (ytd only) | 0.3408% | 5,595 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0454% | 4,680 |
| Assets per employee ($millions) | 5.3740% | 1,806 |
| Cash dividends to net income (ytd only)* | 96.1424% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5089% | 6,402 |
| Loan loss allowance to noncurrent loans | 21.2427% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.9017% | 1,704 |
| Noncurrent loans to loans | 2.3955% | 1,325 |
| Net loans and leases to total assets | 73.6347% | 1,486 |
| Net loans and leases to deposits | 94.7378% | 904 |
| Net loans and leases to core deposits | 104.8955% | 966 |
| Total domestic deposits to total assets | 77.7248% | 5,685 |
| Equity capital to assets | 11.4000% | 2,509 |
| Core capital (leverage) ratio | 10.1124% | 3,454 |
| Tier 1 risk-based capital ratio | 13.1717% | 4,805 |
| Total risk-based capital ratio | 13.6677% | 5,204 |
| Memoranda: | ||
| Average total assets | $134,343,000 | 3,953 |
| Average earning assets | $126,669,330 | 3,879 |
| Average equity | $15,260,330 | 3,811 |
| Average total loans | $98,340,000 | 3,488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,801 |
| Cost of funding earning assets | 0.4255% | 3,693 |
| Net interest margin | 3.2872% | 4,599 |
| Noninterest income to average assets | 0.3603% | 4,508 |
| Noninterest expense to average assets | 2.2719% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1910% | 1,509 |
| Return on assets (ROA) | 1.1910% | 1,579 |
| Pretax return on assets | 1.1940% | 2,507 |
| Return on Equity (ROE) | 10.5039% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.6174% | 2,225 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2234% | 5,368 |
| Assets per employee ($millions) | 5.2249% | 1,982 |
| Cash dividends to net income (ytd only)* | 37.0000% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4565% | 6,530 |
| Loan loss allowance to noncurrent loans | 19.4480% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 1,970 |
| Noncurrent loans to loans | 2.3474% | 1,503 |
| Net loans and leases to total assets | 72.3895% | 1,521 |
| Net loans and leases to deposits | 89.9585% | 1,157 |
| Net loans and leases to core deposits | 101.5794% | 1,010 |
| Total domestic deposits to total assets | 80.4699% | 5,391 |
| Equity capital to assets | 11.3414% | 2,385 |
| Core capital (leverage) ratio | 10.1453% | 3,357 |
| Tier 1 risk-based capital ratio | 13.2669% | 4,845 |
| Total risk-based capital ratio | 13.7068% | 5,278 |
| Memoranda: | ||
| Average total assets | $134,339,000 | 3,987 |
| Average earning assets | $126,916,500 | 3,907 |
| Average equity | $15,232,500 | 3,824 |
| Average total loans | $97,792,500 | 3,520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 5,515 |
| Cost of funding earning assets | 0.4687% | 3,927 |
| Net interest margin | 3.0892% | 5,341 |
| Noninterest income to average assets | 0.3093% | 5,123 |
| Noninterest expense to average assets | 2.2460% | 5,513 |
| Loan and lease loss provision to assets | 0.3427% | 928 |
| Net operating income to assets | 0.6164% | 4,186 |
| Return on assets (ROA) | 0.6506% | 4,136 |
| Pretax return on assets | 0.6506% | 4,700 |
| Return on Equity (ROE) | 5.8908% | 4,152 |
| Retained earnings to average equity (ytd only) | -2.1696% | 6,194 |
| Net charge-offs to loans | 0.0325% | 4,784 |
| Credit loss provision to net charge-offs | 1,554.8387% | 159 |
| Earnings coverage of net charge-offs (x) | 43.5161% | 884 |
| Efficiency ratio | 64.5297% | 4,811 |
| Assets per employee ($millions) | 5.3132% | 1,832 |
| Cash dividends to net income (ytd only)* | 136.8306% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4659% | 6,597 |
| Loan loss allowance to noncurrent loans | 16.1997% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 1,645 |
| Noncurrent loans to loans | 2.8762% | 1,222 |
| Net loans and leases to total assets | 72.5313% | 1,593 |
| Net loans and leases to deposits | 89.6023% | 1,269 |
| Net loans and leases to core deposits | 102.0691% | 1,022 |
| Total domestic deposits to total assets | 80.9480% | 5,195 |
| Equity capital to assets | 11.3362% | 2,309 |
| Core capital (leverage) ratio | 9.8922% | 3,719 |
| Tier 1 risk-based capital ratio | 12.9519% | 5,010 |
| Total risk-based capital ratio | 13.3916% | 5,469 |
| Memoranda: | ||
| Average total assets | $140,647,000 | 3,864 |
| Average earning assets | $131,848,400 | 3,803 |
| Average equity | $15,532,600 | 3,779 |
| Average total loans | $95,524,800 | 3,565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 5,397 |
| Cost of funding earning assets | 0.4753% | 4,016 |
| Net interest margin | 3.1412% | 5,184 |
| Noninterest income to average assets | 0.2048% | 5,954 |
| Noninterest expense to average assets | 2.1608% | 5,699 |
| Loan and lease loss provision to assets | 0.4507% | 632 |
| Net operating income to assets | 0.5348% | 4,642 |
| Return on assets (ROA) | 0.5797% | 4,563 |
| Pretax return on assets | 0.5797% | 5,098 |
| Return on Equity (ROE) | 5.2817% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.1349% | 4,437 |
| Net charge-offs to loans | 0.0476% | 4,226 |
| Credit loss provision to net charge-offs | 1,417.6471% | 226 |
| Earnings coverage of net charge-offs (x) | 31.0015% | 1,210 |
| Efficiency ratio | 63.0906% | 4,973 |
| Assets per employee ($millions) | 5.6534% | 1,497 |
| Cash dividends to net income (ytd only)* | 40.6448% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4599% | 6,682 |
| Loan loss allowance to noncurrent loans | 16.2672% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.1071% | 1,897 |
| Noncurrent loans to loans | 2.8273% | 1,470 |
| Net loans and leases to total assets | 71.4610% | 1,690 |
| Net loans and leases to deposits | 89.4414% | 1,226 |
| Net loans and leases to core deposits | 101.6747% | 1,014 |
| Total domestic deposits to total assets | 79.8970% | 5,534 |
| Equity capital to assets | 11.5617% | 2,254 |
| Core capital (leverage) ratio | 10.2000% | 3,400 |
| Tier 1 risk-based capital ratio | 13.5861% | 4,701 |
| Total risk-based capital ratio | 14.0230% | 5,216 |
| Memoranda: | ||
| Average total assets | $142,601,000 | 3,874 |
| Average earning assets | $133,534,750 | 3,804 |
| Average equity | $15,651,250 | 3,801 |
| Average total loans | $95,207,250 | 3,596 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 5,695 |
| Cost of funding earning assets | 0.4781% | 4,119 |
| Net interest margin | 3.0215% | 5,516 |
| Noninterest income to average assets | 0.2043% | 5,982 |
| Noninterest expense to average assets | 2.1379% | 5,783 |
| Loan and lease loss provision to assets | 0.3989% | 779 |
| Net operating income to assets | 0.5024% | 4,785 |
| Return on assets (ROA) | 0.5024% | 4,955 |
| Pretax return on assets | 0.5024% | 5,368 |
| Return on Equity (ROE) | 4.6549% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.3122% | 4,206 |
| Net charge-offs to loans | 0.0466% | 4,031 |
| Credit loss provision to net charge-offs | 1,313.6364% | 240 |
| Earnings coverage of net charge-offs (x) | 29.6818% | 1,154 |
| Efficiency ratio | 64.6685% | 4,761 |
| Assets per employee ($millions) | 5.2200% | 1,873 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2732% | 6,814 |
| Loan loss allowance to noncurrent loans | 9.6390% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 2.1183% | 2,038 |
| Noncurrent loans to loans | 2.8348% | 1,595 |
| Net loans and leases to total assets | 71.8006% | 1,611 |
| Net loans and leases to deposits | 90.0370% | 1,142 |
| Net loans and leases to core deposits | 102.3786% | 921 |
| Total domestic deposits to total assets | 79.7457% | 5,659 |
| Equity capital to assets | 11.4302% | 2,355 |
| Core capital (leverage) ratio | 10.0693% | 3,417 |
| Tier 1 risk-based capital ratio | 13.4220% | 4,823 |
| Total risk-based capital ratio | 13.6824% | 5,491 |
| Memoranda: | ||
| Average total assets | $144,907,670 | 3,857 |
| Average earning assets | $135,958,000 | 3,792 |
| Average equity | $15,639,330 | 3,831 |
| Average total loans | $94,474,000 | 3,621 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1710% | 6,332 |
| Cost of funding earning assets | 0.4828% | 4,264 |
| Net interest margin | 2.6882% | 6,233 |
| Noninterest income to average assets | 0.2756% | 5,480 |
| Noninterest expense to average assets | 1.9665% | 6,172 |
| Loan and lease loss provision to assets | 0.4361% | 672 |
| Net operating income to assets | 0.3906% | 5,161 |
| Return on assets (ROA) | 0.3906% | 5,308 |
| Pretax return on assets | 0.3906% | 5,593 |
| Return on Equity (ROE) | 3.7192% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.7192% | 3,999 |
| Net charge-offs to loans | 0.0948% | 2,905 |
| Credit loss provision to net charge-offs | 740.9091% | 391 |
| Earnings coverage of net charge-offs (x) | 14.0455% | 1,482 |
| Efficiency ratio | 64.4636% | 4,927 |
| Assets per employee ($millions) | 5.6216% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1530% | 6,926 |
| Loan loss allowance to noncurrent loans | 6.8314% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4860% | 3,034 |
| Noncurrent loans to loans | 2.2393% | 2,339 |
| Net loans and leases to total assets | 62.9655% | 2,888 |
| Net loans and leases to deposits | 79.0746% | 2,201 |
| Net loans and leases to core deposits | 89.9179% | 1,706 |
| Total domestic deposits to total assets | 79.6279% | 5,835 |
| Equity capital to assets | 10.8059% | 3,194 |
| Core capital (leverage) ratio | 9.3996% | 4,239 |
| Tier 1 risk-based capital ratio | 13.5506% | 4,834 |
| Total risk-based capital ratio | 13.6913% | 5,563 |
| Memoranda: | ||
| Average total assets | $149,502,000 | 3,819 |
| Average earning assets | $140,019,000 | 3,767 |
| Average equity | $15,702,500 | 3,872 |
| Average total loans | $92,854,000 | 3,680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1381% | 7,078 |
| Cost of funding earning assets | 0.0512% | 7,033 |
| Net interest margin | 0.0870% | 7,076 |
| Noninterest income to average assets | 0.0104% | 6,797 |
| Noninterest expense to average assets | 0.0692% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0235% | 6,132 |
| Return on assets (ROA) | 0.0235% | 6,276 |
| Pretax return on assets | 0.0235% | 6,256 |
| Return on Equity (ROE) | 0.2540% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.2540% | 5,728 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6269% | 2,966 |
| Assets per employee ($millions) | 6.3685% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 5,513 |
| Noncurrent loans to loans | 0.6361% | 4,928 |
| Net loans and leases to total assets | 61.1974% | 3,394 |
| Net loans and leases to deposits | 77.4863% | 2,590 |
| Net loans and leases to core deposits | 90.6567% | 1,757 |
| Total domestic deposits to total assets | 78.9784% | 5,896 |
| Equity capital to assets | 10.2137% | 3,872 |
| Core capital (leverage) ratio | 9.6504% | 3,892 |
| Tier 1 risk-based capital ratio | 12.6851% | 5,333 |
| Total risk-based capital ratio | 12.6851% | 6,113 |
| Memoranda: | ||
| Average total assets | $144,478,600 | 3,874 |
| Average earning assets | $136,809,000 | 3,778 |
| Average equity | $13,383,200 | 4,278 |
| Average total loans | $95,588,800 | 3,630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 5,443 |
| Cost of funding earning assets | 1.0074% | 1,513 |
| Net interest margin | 3.0172% | 6,135 |
| Noninterest income to average assets | 0.2425% | 5,810 |
| Noninterest expense to average assets | 1.8615% | 6,598 |
| Loan and lease loss provision to assets | 0.4607% | 1,348 |
| Net operating income to assets | 0.7931% | 3,486 |
| Return on assets (ROA) | 0.6929% | 4,202 |
| Pretax return on assets | 0.6948% | 4,880 |
| Return on Equity (ROE) | 7.6923% | 3,425 |
| Retained earnings to average equity (ytd only) | 5.6133% | 2,949 |
| Net charge-offs to loans | 0.7353% | 1,505 |
| Credit loss provision to net charge-offs | 92.8302% | 3,214 |
| Earnings coverage of net charge-offs (x) | 2.5302% | 4,030 |
| Efficiency ratio | 59.7176% | 5,542 |
| Assets per employee ($millions) | 5.6443% | 1,504 |
| Cash dividends to net income (ytd only)* | 27.0271% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,020 |
| Loan loss allowance to noncurrent loans | 163.2826% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 5,639 |
| Noncurrent loans to loans | 0.6225% | 5,197 |
| Net loans and leases to total assets | 66.5970% | 2,544 |
| Net loans and leases to deposits | 84.4079% | 1,818 |
| Net loans and leases to core deposits | 100.1183% | 1,109 |
| Total domestic deposits to total assets | 78.8990% | 5,896 |
| Equity capital to assets | 9.3107% | 5,453 |
| Core capital (leverage) ratio | 9.4576% | 4,335 |
| Tier 1 risk-based capital ratio | 13.2350% | 5,072 |
| Total risk-based capital ratio | 14.2098% | 5,249 |
| Memoranda: | ||
| Average total assets | $142,387,500 | 3,951 |
| Average earning assets | $135,661,000 | 3,839 |
| Average equity | $12,826,250 | 4,434 |
| Average total loans | $96,102,000 | 3,651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 5,119 |
| Cost of funding earning assets | 1.0161% | 1,670 |
| Net interest margin | 3.1377% | 5,894 |
| Noninterest income to average assets | 0.2339% | 5,896 |
| Noninterest expense to average assets | 1.8205% | 6,729 |
| Loan and lease loss provision to assets | 0.1358% | 3,826 |
| Net operating income to assets | 1.2674% | 1,520 |
| Return on assets (ROA) | 1.1161% | 2,204 |
| Pretax return on assets | 1.1189% | 3,235 |
| Return on Equity (ROE) | 12.5292% | 1,494 |
| Retained earnings to average equity (ytd only) | 9.3851% | 1,142 |
| Net charge-offs to loans | 0.3275% | 2,722 |
| Credit loss provision to net charge-offs | 61.3924% | 3,764 |
| Earnings coverage of net charge-offs (x) | 6.3544% | 2,653 |
| Efficiency ratio | 56.4236% | 6,071 |
| Assets per employee ($millions) | 5.6168% | 1,505 |
| Cash dividends to net income (ytd only)* | 25.0941% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,320 |
| Loan loss allowance to noncurrent loans | 111.0849% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 4,483 |
| Noncurrent loans to loans | 0.8566% | 4,796 |
| Net loans and leases to total assets | 69.8305% | 1,947 |
| Net loans and leases to deposits | 88.7072% | 1,289 |
| Net loans and leases to core deposits | 105.6854% | 762 |
| Total domestic deposits to total assets | 78.7203% | 6,014 |
| Equity capital to assets | 9.3847% | 5,213 |
| Core capital (leverage) ratio | 9.2595% | 4,517 |
| Tier 1 risk-based capital ratio | 12.3711% | 5,668 |
| Total risk-based capital ratio | 13.2566% | 5,908 |
| Memoranda: | ||
| Average total assets | $142,814,330 | 3,955 |
| Average earning assets | $136,213,670 | 3,846 |
| Average equity | $12,722,330 | 4,453 |
| Average total loans | $96,490,000 | 3,658 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 5,445 |
| Cost of funding earning assets | 1.0177% | 1,877 |
| Net interest margin | 3.0852% | 6,096 |
| Noninterest income to average assets | 0.2139% | 6,091 |
| Noninterest expense to average assets | 1.8721% | 6,690 |
| Loan and lease loss provision to assets | 0.1722% | 3,245 |
| Net operating income to assets | 1.1094% | 2,044 |
| Return on assets (ROA) | 0.9444% | 2,929 |
| Pretax return on assets | 0.9499% | 3,865 |
| Return on Equity (ROE) | 10.8848% | 2,066 |
| Retained earnings to average equity (ytd only) | 10.8848% | 1,059 |
| Net charge-offs to loans | 0.6132% | 1,562 |
| Credit loss provision to net charge-offs | 42.4658% | 3,409 |
| Earnings coverage of net charge-offs (x) | 3.1781% | 2,932 |
| Efficiency ratio | 59.2267% | 5,739 |
| Assets per employee ($millions) | 5.7412% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,338 |
| Loan loss allowance to noncurrent loans | 102.9115% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 4,488 |
| Noncurrent loans to loans | 0.9473% | 4,782 |
| Net loans and leases to total assets | 65.0389% | 2,642 |
| Net loans and leases to deposits | 81.4681% | 2,000 |
| Net loans and leases to core deposits | 99.3201% | 1,030 |
| Total domestic deposits to total assets | 79.8336% | 5,889 |
| Equity capital to assets | 8.8253% | 5,722 |
| Core capital (leverage) ratio | 8.9599% | 4,901 |
| Tier 1 risk-based capital ratio | 12.5804% | 5,537 |
| Total risk-based capital ratio | 13.4765% | 5,781 |
| Memoranda: | ||
| Average total assets | $144,011,500 | 3,972 |
| Average earning assets | $137,559,000 | 3,856 |
| Average equity | $12,494,500 | 4,508 |
| Average total loans | $95,236,000 | 3,706 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 5,739 |
| Cost of funding earning assets | 1.1575% | 2,298 |
| Net interest margin | 3.1510% | 6,213 |
| Noninterest income to average assets | 0.2089% | 6,022 |
| Noninterest expense to average assets | 1.7485% | 7,011 |
| Loan and lease loss provision to assets | 0.6534% | 1,555 |
| Net operating income to assets | 0.8231% | 2,938 |
| Return on assets (ROA) | 0.8231% | 3,105 |
| Pretax return on assets | 0.8245% | 3,894 |
| Return on Equity (ROE) | 9.9647% | 2,070 |
| Retained earnings to average equity (ytd only) | 7.7579% | 1,168 |
| Net charge-offs to loans | 0.4510% | 3,177 |
| Credit loss provision to net charge-offs | 221.9048% | 1,094 |
| Earnings coverage of net charge-offs (x) | 5.0190% | 2,918 |
| Efficiency ratio | 54.1938% | 6,492 |
| Assets per employee ($millions) | 5.7797% | 1,392 |
| Cash dividends to net income (ytd only)* | 22.1465% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 6,026 |
| Loan loss allowance to noncurrent loans | 74.2413% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 4,029 |
| Noncurrent loans to loans | 1.4043% | 4,046 |
| Net loans and leases to total assets | 65.8853% | 2,808 |
| Net loans and leases to deposits | 82.2255% | 2,168 |
| Net loans and leases to core deposits | 100.7610% | 1,112 |
| Total domestic deposits to total assets | 80.1276% | 5,710 |
| Equity capital to assets | 8.5278% | 6,108 |
| Core capital (leverage) ratio | 8.8020% | 5,100 |
| Tier 1 risk-based capital ratio | 11.6811% | 6,036 |
| Total risk-based capital ratio | 12.6138% | 6,234 |
| Memoranda: | ||
| Average total assets | $142,633,400 | 3,932 |
| Average earning assets | $136,590,200 | 3,810 |
| Average equity | $11,781,600 | 4,603 |
| Average total loans | $93,127,400 | 3,785 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 5,844 |
| Cost of funding earning assets | 1.1776% | 2,464 |
| Net interest margin | 3.1536% | 6,277 |
| Noninterest income to average assets | 0.1998% | 6,170 |
| Noninterest expense to average assets | 1.7744% | 7,024 |
| Loan and lease loss provision to assets | 0.6781% | 1,426 |
| Net operating income to assets | 0.7718% | 3,293 |
| Return on assets (ROA) | 0.7718% | 3,455 |
| Pretax return on assets | 0.7737% | 4,221 |
| Return on Equity (ROE) | 9.4218% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.4453% | 2,266 |
| Net charge-offs to loans | 0.6063% | 2,430 |
| Credit loss provision to net charge-offs | 172.1429% | 1,744 |
| Earnings coverage of net charge-offs (x) | 3.6857% | 3,336 |
| Efficiency ratio | 55.0000% | 6,386 |
| Assets per employee ($millions) | 5.7377% | 1,404 |
| Cash dividends to net income (ytd only)* | 31.5918% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 6,799 |
| Loan loss allowance to noncurrent loans | 118.1548% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 5,063 |
| Noncurrent loans to loans | 0.6870% | 5,516 |
| Net loans and leases to total assets | 67.6364% | 2,551 |
| Net loans and leases to deposits | 86.3681% | 1,635 |
| Net loans and leases to core deposits | 108.4302% | 751 |
| Total domestic deposits to total assets | 78.3118% | 6,133 |
| Equity capital to assets | 8.4968% | 6,299 |
| Core capital (leverage) ratio | 8.3572% | 5,915 |
| Tier 1 risk-based capital ratio | 11.4639% | 6,260 |
| Total risk-based capital ratio | 12.2084% | 6,542 |
| Memoranda: | ||
| Average total assets | $142,168,750 | 3,960 |
| Average earning assets | $136,431,750 | 3,826 |
| Average equity | $11,646,500 | 4,649 |
| Average total loans | $92,358,750 | 3,840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 5,902 |
| Cost of funding earning assets | 1.1652% | 2,806 |
| Net interest margin | 3.1669% | 6,247 |
| Noninterest income to average assets | 0.2018% | 6,226 |
| Noninterest expense to average assets | 1.8244% | 7,054 |
| Loan and lease loss provision to assets | 0.7224% | 1,297 |
| Net operating income to assets | 0.6970% | 3,559 |
| Return on assets (ROA) | 0.6970% | 3,675 |
| Pretax return on assets | 0.6999% | 4,388 |
| Return on Equity (ROE) | 8.6168% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.8259% | 2,528 |
| Net charge-offs to loans | 0.7952% | 1,914 |
| Credit loss provision to net charge-offs | 142.2222% | 2,146 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,446 |
| Efficiency ratio | 56.1930% | 6,402 |
| Assets per employee ($millions) | 5.5630% | 1,511 |
| Cash dividends to net income (ytd only)* | 32.3887% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 7,031 |
| Loan loss allowance to noncurrent loans | 85.9626% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 5,084 |
| Noncurrent loans to loans | 0.8015% | 5,314 |
| Net loans and leases to total assets | 64.0825% | 3,445 |
| Net loans and leases to deposits | 81.9391% | 2,465 |
| Net loans and leases to core deposits | 107.8182% | 825 |
| Total domestic deposits to total assets | 78.2075% | 6,246 |
| Equity capital to assets | 8.3181% | 6,402 |
| Core capital (leverage) ratio | 8.4049% | 5,699 |
| Tier 1 risk-based capital ratio | 11.6923% | 6,020 |
| Total risk-based capital ratio | 12.3197% | 6,459 |
| Memoranda: | ||
| Average total assets | $141,744,330 | 3,997 |
| Average earning assets | $136,285,330 | 3,851 |
| Average equity | $11,466,000 | 4,697 |
| Average total loans | $90,540,670 | 3,929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 5,625 |
| Cost of funding earning assets | 1.1779% | 2,964 |
| Net interest margin | 3.2407% | 5,953 |
| Noninterest income to average assets | 0.2167% | 6,182 |
| Noninterest expense to average assets | 1.9017% | 6,985 |
| Loan and lease loss provision to assets | 0.7926% | 1,074 |
| Net operating income to assets | 0.6386% | 3,813 |
| Return on assets (ROA) | 0.6386% | 3,884 |
| Pretax return on assets | 0.6443% | 4,514 |
| Return on Equity (ROE) | 8.0118% | 2,909 |
| Retained earnings to average equity (ytd only) | 4.4351% | 3,515 |
| Net charge-offs to loans | 0.7134% | 1,788 |
| Credit loss provision to net charge-offs | 174.8428% | 1,670 |
| Earnings coverage of net charge-offs (x) | 3.1698% | 2,827 |
| Efficiency ratio | 56.9599% | 6,386 |
| Assets per employee ($millions) | 5.6616% | 1,442 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 7,103 |
| Loan loss allowance to noncurrent loans | 110.5072% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 5,347 |
| Noncurrent loans to loans | 0.6126% | 5,811 |
| Net loans and leases to total assets | 63.2297% | 3,597 |
| Net loans and leases to deposits | 80.1289% | 2,702 |
| Net loans and leases to core deposits | 96.1847% | 1,660 |
| Total domestic deposits to total assets | 78.9100% | 6,216 |
| Equity capital to assets | 7.9878% | 6,513 |
| Core capital (leverage) ratio | 8.3807% | 5,664 |
| Tier 1 risk-based capital ratio | 11.4960% | 6,108 |
| Total risk-based capital ratio | 12.0917% | 6,592 |
| Memoranda: | ||
| Average total assets | $140,298,000 | 4,061 |
| Average earning assets | $135,155,500 | 3,910 |
| Average equity | $11,183,500 | 4,748 |
| Average total loans | $89,146,000 | 3,994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 5,702 |
| Cost of funding earning assets | 1.3527% | 3,552 |
| Net interest margin | 3.3741% | 5,722 |
| Noninterest income to average assets | 0.3060% | 5,605 |
| Noninterest expense to average assets | 2.0630% | 6,920 |
| Loan and lease loss provision to assets | 0.3575% | 3,974 |
| Net operating income to assets | 1.1420% | 1,574 |
| Return on assets (ROA) | 1.2211% | 1,437 |
| Pretax return on assets | 1.2226% | 2,155 |
| Return on Equity (ROE) | 14.7902% | 749 |
| Retained earnings to average equity (ytd only) | 5.7497% | 1,962 |
| Net charge-offs to loans | 0.5407% | 3,449 |
| Credit loss provision to net charge-offs | 96.5726% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.0544% | 3,087 |
| Efficiency ratio | 57.8848% | 6,350 |
| Assets per employee ($millions) | 5.5622% | 1,525 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 7,313 |
| Loan loss allowance to noncurrent loans | 58.1754% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 5,156 |
| Noncurrent loans to loans | 0.9571% | 5,137 |
| Net loans and leases to total assets | 63.0650% | 4,056 |
| Net loans and leases to deposits | 79.1471% | 3,314 |
| Net loans and leases to core deposits | 97.7920% | 1,815 |
| Total domestic deposits to total assets | 79.6807% | 5,918 |
| Equity capital to assets | 7.9544% | 6,538 |
| Core capital (leverage) ratio | 8.3157% | 5,668 |
| Tier 1 risk-based capital ratio | 11.4030% | 5,989 |
| Total risk-based capital ratio | 11.8836% | 6,582 |
| Memoranda: | ||
| Average total assets | $133,979,400 | 4,178 |
| Average earning assets | $129,367,600 | 4,030 |
| Average equity | $11,061,400 | 4,846 |
| Average total loans | $91,726,000 | 4,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 5,808 |
| Cost of funding earning assets | 1.3658% | 3,802 |
| Net interest margin | 3.3988% | 5,688 |
| Noninterest income to average assets | 0.3255% | 5,552 |
| Noninterest expense to average assets | 1.9511% | 7,133 |
| Loan and lease loss provision to assets | 0.1959% | 5,078 |
| Net operating income to assets | 1.4568% | 1,007 |
| Return on assets (ROA) | 1.5633% | 873 |
| Pretax return on assets | 1.5653% | 1,430 |
| Return on Equity (ROE) | 18.7552% | 409 |
| Retained earnings to average equity (ytd only) | 6.7017% | 1,986 |
| Net charge-offs to loans | 0.0346% | 6,215 |
| Credit loss provision to net charge-offs | 812.5000% | 368 |
| Earnings coverage of net charge-offs (x) | 68.6234% | 441 |
| Efficiency ratio | 54.1098% | 6,782 |
| Assets per employee ($millions) | 5.5206% | 1,613 |
| Cash dividends to net income (ytd only)* | 64.2675% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 7,181 |
| Loan loss allowance to noncurrent loans | 39.6270% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5658% | 4,097 |
| Noncurrent loans to loans | 1.7964% | 3,954 |
| Net loans and leases to total assets | 68.7217% | 3,050 |
| Net loans and leases to deposits | 88.3909% | 1,954 |
| Net loans and leases to core deposits | 109.1086% | 1,089 |
| Total domestic deposits to total assets | 77.7475% | 6,307 |
| Equity capital to assets | 8.3215% | 6,481 |
| Core capital (leverage) ratio | 8.4244% | 5,658 |
| Tier 1 risk-based capital ratio | 10.9852% | 6,399 |
| Total risk-based capital ratio | 11.6310% | 6,841 |
| Memoranda: | ||
| Average total assets | $132,710,500 | 4,258 |
| Average earning assets | $128,082,500 | 4,108 |
| Average equity | $11,061,500 | 4,908 |
| Average total loans | $92,611,000 | 4,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 5,987 |
| Cost of funding earning assets | 1.3595% | 4,131 |
| Net interest margin | 3.3870% | 5,686 |
| Noninterest income to average assets | 0.3834% | 5,055 |
| Noninterest expense to average assets | 1.8940% | 7,278 |
| Loan and lease loss provision to assets | 0.1069% | 5,847 |
| Net operating income to assets | 1.6481% | 651 |
| Return on assets (ROA) | 1.6481% | 697 |
| Pretax return on assets | 1.6511% | 1,163 |
| Return on Equity (ROE) | 19.7613% | 337 |
| Retained earnings to average equity (ytd only) | 7.8569% | 1,491 |
| Net charge-offs to loans | 0.0524% | 5,654 |
| Credit loss provision to net charge-offs | 291.6667% | 1,272 |
| Earnings coverage of net charge-offs (x) | 47.9583% | 622 |
| Efficiency ratio | 51.8611% | 7,087 |
| Assets per employee ($millions) | 5.4763% | 1,641 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 7,444 |
| Loan loss allowance to noncurrent loans | 28.1013% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 4,300 |
| Noncurrent loans to loans | 2.0372% | 3,669 |
| Net loans and leases to total assets | 70.4079% | 2,814 |
| Net loans and leases to deposits | 91.1010% | 1,680 |
| Net loans and leases to core deposits | 109.2952% | 1,213 |
| Total domestic deposits to total assets | 77.2855% | 6,436 |
| Equity capital to assets | 8.3377% | 6,374 |
| Core capital (leverage) ratio | 8.5076% | 5,391 |
| Tier 1 risk-based capital ratio | 10.6682% | 6,552 |
| Total risk-based capital ratio | 11.1857% | 7,035 |
| Memoranda: | ||
| Average total assets | $130,942,000 | 4,326 |
| Average earning assets | $126,367,330 | 4,172 |
| Average equity | $10,920,330 | 4,938 |
| Average total loans | $91,639,000 | 4,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 6,271 |
| Cost of funding earning assets | 1.3554% | 4,448 |
| Net interest margin | 3.3367% | 5,834 |
| Noninterest income to average assets | 0.2907% | 5,821 |
| Noninterest expense to average assets | 1.8881% | 7,348 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6130% | 730 |
| Return on assets (ROA) | 1.6130% | 781 |
| Pretax return on assets | 1.6193% | 1,222 |
| Return on Equity (ROE) | 19.3385% | 418 |
| Retained earnings to average equity (ytd only) | 4.3474% | 3,546 |
| Net charge-offs to loans | 0.1079% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 21.5833% | 1,121 |
| Efficiency ratio | 53.8324% | 6,989 |
| Assets per employee ($millions) | 5.2074% | 1,958 |
| Cash dividends to net income (ytd only)* | 77.5194% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5343% | 7,565 |
| Loan loss allowance to noncurrent loans | 23.6791% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 1.9073% | 3,623 |
| Noncurrent loans to loans | 2.2565% | 3,451 |
| Net loans and leases to total assets | 69.2090% | 3,110 |
| Net loans and leases to deposits | 90.0315% | 1,894 |
| Net loans and leases to core deposits | 102.5495% | 1,852 |
| Total domestic deposits to total assets | 76.8720% | 6,584 |
| Equity capital to assets | 8.3674% | 6,198 |
| Core capital (leverage) ratio | 8.8779% | 4,760 |
| Tier 1 risk-based capital ratio | 10.6950% | 6,449 |
| Total risk-based capital ratio | 11.1611% | 7,077 |
| Memoranda: | ||
| Average total assets | $127,959,000 | 4,456 |
| Average earning assets | $123,357,000 | 4,294 |
| Average equity | $10,673,000 | 5,053 |
| Average total loans | $88,984,000 | 4,227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 4,432 |
| Cost of funding earning assets | 1.7452% | 4,275 |
| Net interest margin | 3.7059% | 4,117 |
| Noninterest income to average assets | 0.2702% | 6,186 |
| Noninterest expense to average assets | 2.3762% | 6,533 |
| Loan and lease loss provision to assets | 0.1221% | 6,421 |
| Net operating income to assets | 1.3387% | 961 |
| Return on assets (ROA) | 1.7171% | 452 |
| Pretax return on assets | 1.7187% | 749 |
| Return on Equity (ROE) | 21.7239% | 175 |
| Retained earnings to average equity (ytd only) | 10.3986% | 334 |
| Net charge-offs to loans | 0.0142% | 7,022 |
| Credit loss provision to net charge-offs | 1,250.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 149.7500% | 196 |
| Efficiency ratio | 61.9038% | 6,171 |
| Assets per employee ($millions) | 5.0294% | 2,179 |
| Cash dividends to net income (ytd only)* | 52.1327% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 7,581 |
| Loan loss allowance to noncurrent loans | 42.9780% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 4,504 |
| Noncurrent loans to loans | 1.3526% | 4,665 |
| Net loans and leases to total assets | 69.0959% | 3,463 |
| Net loans and leases to deposits | 90.6868% | 2,108 |
| Net loans and leases to core deposits | 104.2078% | 3,548 |
| Total domestic deposits to total assets | 76.1918% | 6,638 |
| Equity capital to assets | 8.3136% | 6,179 |
| Core capital (leverage) ratio | 8.9245% | 4,549 |
| Tier 1 risk-based capital ratio | 10.8141% | 6,100 |
| Total risk-based capital ratio | 11.3130% | 6,783 |
| Memoranda: | ||
| Average total assets | $122,882,800 | 4,494 |
| Average earning assets | $118,326,400 | 4,346 |
| Average equity | $9,712,800 | 5,377 |
| Average total loans | $84,531,400 | 4,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 3,795 |
| Cost of funding earning assets | 1.8216% | 4,280 |
| Net interest margin | 3.7905% | 3,696 |
| Noninterest income to average assets | 0.2772% | 6,252 |
| Noninterest expense to average assets | 2.3497% | 6,556 |
| Loan and lease loss provision to assets | 0.1091% | 6,283 |
| Net operating income to assets | 1.4657% | 889 |
| Return on assets (ROA) | 1.7527% | 528 |
| Pretax return on assets | 1.7549% | 875 |
| Return on Equity (ROE) | 22.4741% | 187 |
| Retained earnings to average equity (ytd only) | 11.2791% | 441 |
| Net charge-offs to loans | 0.0159% | 6,695 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 144.5326% | 268 |
| Efficiency ratio | 59.8388% | 6,438 |
| Assets per employee ($millions) | 4.8444% | 2,340 |
| Cash dividends to net income (ytd only)* | 49.8132% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 7,644 |
| Loan loss allowance to noncurrent loans | 53.9906% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.0660% | 4,946 |
| Noncurrent loans to loans | 1.0218% | 5,265 |
| Net loans and leases to total assets | 68.4678% | 3,852 |
| Net loans and leases to deposits | 91.3922% | 2,335 |
| Net loans and leases to core deposits | 106.0438% | 3,695 |
| Total domestic deposits to total assets | 74.9164% | 6,783 |
| Equity capital to assets | 8.6276% | 6,077 |
| Core capital (leverage) ratio | 8.7547% | 5,044 |
| Tier 1 risk-based capital ratio | 11.3321% | 5,609 |
| Total risk-based capital ratio | 11.8144% | 6,362 |
| Memoranda: | ||
| Average total assets | $122,170,000 | 4,537 |
| Average earning assets | $117,625,500 | 4,391 |
| Average equity | $9,527,750 | 5,484 |
| Average total loans | $83,818,000 | 4,422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 2,966 |
| Cost of funding earning assets | 1.8867% | 4,336 |
| Net interest margin | 3.9311% | 2,972 |
| Noninterest income to average assets | 0.2563% | 6,441 |
| Noninterest expense to average assets | 2.1547% | 7,159 |
| Loan and lease loss provision to assets | 0.1632% | 5,428 |
| Net operating income to assets | 1.7172% | 543 |
| Return on assets (ROA) | 1.7058% | 605 |
| Pretax return on assets | 1.7091% | 997 |
| Return on Equity (ROE) | 22.6665% | 210 |
| Retained earnings to average equity (ytd only) | 13.9903% | 255 |
| Net charge-offs to loans | 0.0214% | 6,202 |
| Credit loss provision to net charge-offs | 1,111.1111% | 443 |
| Earnings coverage of net charge-offs (x) | 128.2222% | 304 |
| Efficiency ratio | 53.3549% | 7,397 |
| Assets per employee ($millions) | 4.6043% | 2,599 |
| Cash dividends to net income (ytd only)* | 38.2775% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5268% | 7,758 |
| Loan loss allowance to noncurrent loans | 40.7965% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 5,093 |
| Noncurrent loans to loans | 1.2912% | 4,617 |
| Net loans and leases to total assets | 72.7195% | 3,027 |
| Net loans and leases to deposits | 96.7869% | 1,684 |
| Net loans and leases to core deposits | 111.6936% | 3,179 |
| Total domestic deposits to total assets | 75.1337% | 6,737 |
| Equity capital to assets | 8.4879% | 6,064 |
| Core capital (leverage) ratio | 8.6061% | 5,255 |
| Tier 1 risk-based capital ratio | 10.3380% | 6,552 |
| Total risk-based capital ratio | 10.7856% | 7,318 |
| Memoranda: | ||
| Average total assets | $122,523,000 | 4,568 |
| Average earning assets | $117,880,330 | 4,416 |
| Average equity | $9,220,670 | 5,607 |
| Average total loans | $83,963,330 | 4,464 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8169% | 3,215 |
| Cost of funding earning assets | 1.9726% | 4,277 |
| Net interest margin | 3.8443% | 3,277 |
| Noninterest income to average assets | 0.2873% | 6,141 |
| Noninterest expense to average assets | 2.0367% | 7,265 |
| Loan and lease loss provision to assets | 0.3228% | 3,390 |
| Net operating income to assets | 1.6138% | 766 |
| Return on assets (ROA) | 1.6235% | 829 |
| Pretax return on assets | 1.6300% | 1,334 |
| Return on Equity (ROE) | 22.9930% | 268 |
| Retained earnings to average equity (ytd only) | 4.7083% | 3,298 |
| Net charge-offs to loans | 0.0389% | 4,962 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 75.2500% | 543 |
| Efficiency ratio | 51.1760% | 7,492 |
| Assets per employee ($millions) | 4.9072% | 2,164 |
| Cash dividends to net income (ytd only)* | 79.5229% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 7,744 |
| Loan loss allowance to noncurrent loans | 86.5169% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 6,180 |
| Noncurrent loans to loans | 0.6404% | 5,810 |
| Net loans and leases to total assets | 67.5973% | 4,224 |
| Net loans and leases to deposits | 90.4213% | 2,864 |
| Net loans and leases to core deposits | 105.6797% | 3,950 |
| Total domestic deposits to total assets | 74.7581% | 6,752 |
| Equity capital to assets | 7.4836% | 7,363 |
| Core capital (leverage) ratio | 7.9829% | 6,481 |
| Tier 1 risk-based capital ratio | 11.0220% | 5,895 |
| Total risk-based capital ratio | 11.5260% | 6,541 |
| Memoranda: | ||
| Average total assets | $123,928,500 | 4,545 |
| Average earning assets | $119,033,000 | 4,414 |
| Average equity | $8,750,500 | 5,796 |
| Average total loans | $82,187,500 | 4,550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3650% | 3,609 |
| Cost of funding earning assets | 2.6499% | 3,430 |
| Net interest margin | 3.7152% | 4,401 |
| Noninterest income to average assets | 0.2594% | 6,597 |
| Noninterest expense to average assets | 2.1140% | 7,203 |
| Loan and lease loss provision to assets | 0.0905% | 6,251 |
| Net operating income to assets | 1.5766% | 872 |
| Return on assets (ROA) | 1.5774% | 837 |
| Pretax return on assets | 1.5798% | 1,446 |
| Return on Equity (ROE) | 23.3614% | 198 |
| Retained earnings to average equity (ytd only) | 14.9059% | 93 |
| Net charge-offs to loans | 0.0013% | 7,018 |
| Credit loss provision to net charge-offs | 11,100.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 2,047.0000% | 9 |
| Efficiency ratio | 55.8741% | 7,032 |
| Assets per employee ($millions) | 5.0070% | 1,937 |
| Cash dividends to net income (ytd only)* | 36.1944% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4569% | 7,907 |
| Loan loss allowance to noncurrent loans | 111.7825% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 6,500 |
| Noncurrent loans to loans | 0.4087% | 6,115 |
| Net loans and leases to total assets | 64.4005% | 5,191 |
| Net loans and leases to deposits | 83.5041% | 4,499 |
| Net loans and leases to core deposits | 97.1464% | 5,134 |
| Total domestic deposits to total assets | 77.1226% | 5,962 |
| Equity capital to assets | 6.6466% | 7,891 |
| Core capital (leverage) ratio | 7.0735% | 7,640 |
| Tier 1 risk-based capital ratio | 10.0119% | 6,724 |
| Total risk-based capital ratio | 10.4234% | 7,605 |
| Memoranda: | ||
| Average total assets | $122,609,000 | 4,456 |
| Average earning assets | $116,307,400 | 4,357 |
| Average equity | $8,278,600 | 5,984 |
| Average total loans | $76,285,400 | 4,642 |