Home > Security State Bank of Hibbing > Performance and Condition Ratios
Security State Bank of Hibbing, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 2,831 |
| Cost of funding earning assets | 0.5931% | 4,077 |
| Net interest margin | 4.0358% | 1,150 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6910% | 1,761 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0984% | 1,925 |
| Return on assets (ROA) | 1.0925% | 1,911 |
| Pretax return on assets | 1.4911% | 1,445 |
| Return on Equity (ROE) | 16.5200% | 1,015 |
| Retained earnings to average equity (ytd only) | 6.2956% | 2,134 |
| Net charge-offs to loans | 0.3610% | 297 |
| Credit loss provision to net charge-offs | 64.8026% | 2,121 |
| Earnings coverage of net charge-offs (x) | 8.4507% | 2,342 |
| Efficiency ratio | 62.3755% | 2,794 |
| Assets per employee ($millions) | 6.4720% | 2,433 |
| Cash dividends to net income (ytd only)* | 61.8855% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 1,753 |
| Loan loss allowance to noncurrent loans | 450.1916% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,422 |
| Noncurrent loans to loans | 0.2893% | 2,140 |
| Net loans and leases to total assets | 57.3300% | 3,094 |
| Net loans and leases to deposits | 64.3226% | 3,276 |
| Net loans and leases to core deposits | 67.8573% | 3,415 |
| Total domestic deposits to total assets | 89.1200% | 1,028 |
| Equity capital to assets | 7.5485% | 3,690 |
| Core capital (leverage) ratio | 9.9494% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5767% | 1,166 |
| Memoranda: | ||
| Average total assets | $158,267,800 | 3,290 |
| Average earning assets | $147,875,800 | 3,267 |
| Average equity | $10,467,600 | 3,669 |
| Average total loans | $84,215,600 | 3,361 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 2,952 |
| Cost of funding earning assets | 0.4763% | 4,169 |
| Net interest margin | 4.0010% | 1,210 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.5995% | 1,945 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2079% | 1,775 |
| Return on assets (ROA) | 1.1999% | 1,788 |
| Pretax return on assets | 1.6419% | 1,279 |
| Return on Equity (ROE) | 18.7900% | 846 |
| Retained earnings to average equity (ytd only) | 4.7406% | 3,027 |
| Net charge-offs to loans | 0.1064% | 744 |
| Credit loss provision to net charge-offs | 83.3333% | 1,739 |
| Earnings coverage of net charge-offs (x) | 30.6818% | 1,583 |
| Efficiency ratio | 60.4878% | 2,910 |
| Assets per employee ($millions) | 6.0375% | 2,719 |
| Cash dividends to net income (ytd only)* | 74.7729% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,275 |
| Loan loss allowance to noncurrent loans | 56.4638% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 268 |
| Noncurrent loans to loans | 2.5584% | 193 |
| Net loans and leases to total assets | 55.2400% | 3,270 |
| Net loans and leases to deposits | 61.7863% | 3,411 |
| Net loans and leases to core deposits | 64.7462% | 3,491 |
| Total domestic deposits to total assets | 89.4100% | 1,113 |
| Equity capital to assets | 6.1297% | 3,945 |
| Core capital (leverage) ratio | 9.8284% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5198% | 1,196 |
| Memoranda: | ||
| Average total assets | $159,002,750 | 3,298 |
| Average earning assets | $148,359,500 | 3,276 |
| Average equity | $10,153,250 | 3,712 |
| Average total loans | $82,715,000 | 3,384 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 3,037 |
| Cost of funding earning assets | 0.3998% | 4,168 |
| Net interest margin | 3.9310% | 1,366 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.4912% | 2,229 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2619% | 1,659 |
| Return on assets (ROA) | 1.2500% | 1,688 |
| Pretax return on assets | 1.7122% | 1,185 |
| Return on Equity (ROE) | 19.3200% | 788 |
| Retained earnings to average equity (ytd only) | -1.3940% | 4,247 |
| Net charge-offs to loans | 0.1606% | 488 |
| Credit loss provision to net charge-offs | 60.0000% | 1,630 |
| Earnings coverage of net charge-offs (x) | 21.8154% | 1,712 |
| Efficiency ratio | 58.3798% | 3,150 |
| Assets per employee ($millions) | 6.5774% | 2,233 |
| Cash dividends to net income (ytd only)* | 107.2144% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,182 |
| Loan loss allowance to noncurrent loans | 139.0919% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 987 |
| Noncurrent loans to loans | 1.0778% | 677 |
| Net loans and leases to total assets | 50.1900% | 3,547 |
| Net loans and leases to deposits | 53.8574% | 3,751 |
| Net loans and leases to core deposits | 56.2024% | 3,808 |
| Total domestic deposits to total assets | 93.1800% | 226 |
| Equity capital to assets | 6.2730% | 4,075 |
| Core capital (leverage) ratio | 9.8659% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7268% | 1,167 |
| Memoranda: | ||
| Average total assets | $159,679,000 | 3,300 |
| Average earning assets | $149,072,333 | 3,280 |
| Average equity | $10,330,333 | 3,700 |
| Average total loans | $80,958,333 | 3,399 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,740 |
| Cost of funding earning assets | 0.2339% | 4,321 |
| Net interest margin | 4.0903% | 1,113 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.4361% | 2,417 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2727% | 1,745 |
| Return on assets (ROA) | 1.2486% | 1,773 |
| Pretax return on assets | 1.7063% | 1,259 |
| Return on Equity (ROE) | 19.0000% | 888 |
| Retained earnings to average equity (ytd only) | -22.4028% | 4,607 |
| Net charge-offs to loans | 0.3168% | 253 |
| Credit loss provision to net charge-offs | 34.9206% | 1,333 |
| Earnings coverage of net charge-offs (x) | 11.1905% | 1,642 |
| Efficiency ratio | 57.6067% | 3,231 |
| Assets per employee ($millions) | 6.2868% | 2,514 |
| Cash dividends to net income (ytd only)* | 217.9226% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,131 |
| Loan loss allowance to noncurrent loans | 136.9757% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 894 |
| Noncurrent loans to loans | 1.1295% | 628 |
| Net loans and leases to total assets | 50.2500% | 3,475 |
| Net loans and leases to deposits | 54.0602% | 3,677 |
| Net loans and leases to core deposits | 55.4218% | 3,774 |
| Total domestic deposits to total assets | 92.9400% | 315 |
| Equity capital to assets | 6.4606% | 4,041 |
| Core capital (leverage) ratio | 9.4674% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8949% | 1,171 |
| Memoranda: | ||
| Average total assets | $157,301,000 | 3,361 |
| Average earning assets | $147,079,000 | 3,342 |
| Average equity | $10,338,000 | 3,739 |
| Average total loans | $79,548,500 | 3,458 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 3,067 |
| Cost of funding earning assets | 0.0769% | 4,486 |
| Net interest margin | 3.4269% | 2,158 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.4887% | 2,157 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8784% | 3,050 |
| Return on assets (ROA) | 0.8784% | 2,988 |
| Pretax return on assets | 1.1938% | 2,459 |
| Return on Equity (ROE) | 12.5400% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.3337% | 1,379 |
| Net charge-offs to loans | 0.0211% | 1,660 |
| Credit loss provision to net charge-offs | 526.6667% | 657 |
| Earnings coverage of net charge-offs (x) | 134.4667% | 840 |
| Efficiency ratio | 66.6997% | 2,122 |
| Assets per employee ($millions) | 6.2973% | 2,512 |
| Cash dividends to net income (ytd only)* | 25.5961% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,113 |
| Loan loss allowance to noncurrent loans | 122.8005% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 996 |
| Noncurrent loans to loans | 1.0230% | 706 |
| Net loans and leases to total assets | 49.4800% | 3,545 |
| Net loans and leases to deposits | 53.2590% | 3,722 |
| Net loans and leases to core deposits | 53.3557% | 3,845 |
| Total domestic deposits to total assets | 92.9000% | 430 |
| Equity capital to assets | 6.6835% | 3,823 |
| Core capital (leverage) ratio | 9.9477% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6708% | 1,027 |
| Memoranda: | ||
| Average total assets | $162,335,600 | 3,329 |
| Average earning assets | $152,150,800 | 3,305 |
| Average equity | $11,367,400 | 3,726 |
| Average total loans | $71,154,000 | 3,562 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 3,241 |
| Cost of funding earning assets | 0.0591% | 4,535 |
| Net interest margin | 3.2179% | 2,572 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.3819% | 2,392 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0018% | 2,477 |
| Return on assets (ROA) | 1.0018% | 2,440 |
| Pretax return on assets | 1.3654% | 1,829 |
| Return on Equity (ROE) | 14.1500% | 1,391 |
| Retained earnings to average equity (ytd only) | 9.9490% | 1,351 |
| Net charge-offs to loans | 0.0231% | 1,369 |
| Credit loss provision to net charge-offs | 375.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 143.3333% | 762 |
| Efficiency ratio | 62.9470% | 2,695 |
| Assets per employee ($millions) | 6.3939% | 2,410 |
| Cash dividends to net income (ytd only)* | 29.6989% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 1,875 |
| Loan loss allowance to noncurrent loans | 142.8571% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 1,244 |
| Noncurrent loans to loans | 0.9335% | 834 |
| Net loans and leases to total assets | 46.2900% | 3,741 |
| Net loans and leases to deposits | 49.6390% | 3,879 |
| Net loans and leases to core deposits | 49.7311% | 3,966 |
| Total domestic deposits to total assets | 93.2500% | 515 |
| Equity capital to assets | 6.2136% | 3,878 |
| Core capital (leverage) ratio | 9.9237% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3143% | 947 |
| Memoranda: | ||
| Average total assets | $163,561,250 | 3,347 |
| Average earning assets | $153,344,500 | 3,317 |
| Average equity | $11,578,750 | 3,759 |
| Average total loans | $69,221,000 | 3,603 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0038% | 3,549 |
| Cost of funding earning assets | 0.0561% | 4,558 |
| Net interest margin | 2.9477% | 3,039 |
| Noninterest income to average assets | 0.5164% | 2,107 |
| Noninterest expense to average assets | 2.2548% | 2,691 |
| Loan and lease loss provision to assets | 0.0156% | 2,319 |
| Net operating income to assets | 0.7524% | 3,135 |
| Return on assets (ROA) | 0.7524% | 3,089 |
| Pretax return on assets | 1.0172% | 2,662 |
| Return on Equity (ROE) | 10.2447% | 2,244 |
| Retained earnings to average equity (ytd only) | 4.2904% | 2,978 |
| Net charge-offs to loans | 0.0205% | 1,325 |
| Credit loss provision to net charge-offs | 185.7143% | 1,003 |
| Earnings coverage of net charge-offs (x) | 123.1429% | 725 |
| Efficiency ratio | 68.5860% | 2,161 |
| Assets per employee ($millions) | 6.7304% | 2,147 |
| Cash dividends to net income (ytd only)* | 58.1210% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,012 |
| Loan loss allowance to noncurrent loans | 131.0393% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,227 |
| Noncurrent loans to loans | 1.0219% | 818 |
| Net loans and leases to total assets | 44.4047% | 3,805 |
| Net loans and leases to deposits | 47.9612% | 3,921 |
| Net loans and leases to core deposits | 48.1865% | 4,018 |
| Total domestic deposits to total assets | 92.5846% | 623 |
| Equity capital to assets | 6.9697% | 3,788 |
| Core capital (leverage) ratio | 9.6434% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3819% | 938 |
| Memoranda: | ||
| Average total assets | $166,930,333 | 3,354 |
| Average earning assets | $156,935,667 | 3,338 |
| Average equity | $12,260,000 | 3,764 |
| Average total loans | $68,298,000 | 3,646 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7172% | 3,912 |
| Cost of funding earning assets | 0.0564% | 4,557 |
| Net interest margin | 2.6609% | 3,502 |
| Noninterest income to average assets | 0.5133% | 2,079 |
| Noninterest expense to average assets | 2.1365% | 3,018 |
| Loan and lease loss provision to assets | 0.0023% | 2,254 |
| Net operating income to assets | 0.6567% | 3,208 |
| Return on assets (ROA) | 0.6567% | 3,186 |
| Pretax return on assets | 0.8856% | 2,830 |
| Return on Equity (ROE) | 8.7415% | 2,418 |
| Retained earnings to average equity (ytd only) | -2.4932% | 4,282 |
| Net charge-offs to loans | 0.0296% | 1,016 |
| Credit loss provision to net charge-offs | 20.0000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 76.8000% | 759 |
| Efficiency ratio | 70.6422% | 2,138 |
| Assets per employee ($millions) | 6.9666% | 2,015 |
| Cash dividends to net income (ytd only)* | 128.5211% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,432 |
| Loan loss allowance to noncurrent loans | 124.8985% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 1,383 |
| Noncurrent loans to loans | 1.0287% | 877 |
| Net loans and leases to total assets | 42.4153% | 3,857 |
| Net loans and leases to deposits | 45.8684% | 3,982 |
| Net loans and leases to core deposits | 46.1432% | 4,063 |
| Total domestic deposits to total assets | 92.4718% | 410 |
| Equity capital to assets | 7.0724% | 4,178 |
| Core capital (leverage) ratio | 8.9943% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6456% | 947 |
| Memoranda: | ||
| Average total assets | $172,996,000 | 3,320 |
| Average earning assets | $163,254,500 | 3,298 |
| Average equity | $12,995,500 | 3,755 |
| Average total loans | $67,611,500 | 3,666 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9878% | 3,896 |
| Cost of funding earning assets | 0.0790% | 4,536 |
| Net interest margin | 2.9088% | 3,423 |
| Noninterest income to average assets | 0.4229% | 2,934 |
| Noninterest expense to average assets | 2.2158% | 3,023 |
| Loan and lease loss provision to assets | 0.0438% | 2,181 |
| Net operating income to assets | 0.6398% | 3,772 |
| Return on assets (ROA) | 0.6398% | 3,829 |
| Pretax return on assets | 0.8596% | 3,596 |
| Return on Equity (ROE) | 7.8514% | 3,263 |
| Retained earnings to average equity (ytd only) | 2.5416% | 3,821 |
| Net charge-offs to loans | 0.2451% | 380 |
| Credit loss provision to net charge-offs | 43.4286% | 2,181 |
| Earnings coverage of net charge-offs (x) | 8.9486% | 2,282 |
| Efficiency ratio | 71.0375% | 1,613 |
| Assets per employee ($millions) | 7.1517% | 1,828 |
| Cash dividends to net income (ytd only)* | 67.6285% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,687 |
| Loan loss allowance to noncurrent loans | 131.3031% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,642 |
| Noncurrent loans to loans | 1.1139% | 870 |
| Net loans and leases to total assets | 34.9315% | 4,332 |
| Net loans and leases to deposits | 38.1079% | 4,397 |
| Net loans and leases to core deposits | 38.3230% | 4,447 |
| Total domestic deposits to total assets | 91.6647% | 276 |
| Equity capital to assets | 7.9231% | 4,401 |
| Core capital (leverage) ratio | 8.5608% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7316% | 682 |
| Memoranda: | ||
| Average total assets | $173,344,200 | 3,266 |
| Average earning assets | $160,685,600 | 3,271 |
| Average equity | $14,124,800 | 3,729 |
| Average total loans | $71,391,600 | 3,620 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0039% | 3,994 |
| Cost of funding earning assets | 0.0841% | 4,616 |
| Net interest margin | 2.9198% | 3,508 |
| Noninterest income to average assets | 0.4768% | 2,725 |
| Noninterest expense to average assets | 2.2327% | 2,964 |
| Loan and lease loss provision to assets | 0.0006% | 2,955 |
| Net operating income to assets | 0.6939% | 3,779 |
| Return on assets (ROA) | 0.6939% | 3,847 |
| Pretax return on assets | 0.9342% | 3,622 |
| Return on Equity (ROE) | 8.4545% | 3,268 |
| Retained earnings to average equity (ytd only) | 1.3697% | 4,335 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4846% | 1,553 |
| Assets per employee ($millions) | 6.9906% | 1,874 |
| Cash dividends to net income (ytd only)* | 83.7989% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 1,682 |
| Loan loss allowance to noncurrent loans | 63.3560% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 727 |
| Noncurrent loans to loans | 2.3480% | 339 |
| Net loans and leases to total assets | 38.9149% | 4,259 |
| Net loans and leases to deposits | 42.6090% | 4,361 |
| Net loans and leases to core deposits | 42.8555% | 4,421 |
| Total domestic deposits to total assets | 91.3301% | 281 |
| Equity capital to assets | 8.1143% | 4,461 |
| Core capital (leverage) ratio | 8.8507% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7466% | 720 |
| Memoranda: | ||
| Average total assets | $171,982,000 | 3,307 |
| Average earning assets | $158,498,750 | 3,320 |
| Average equity | $14,114,500 | 3,777 |
| Average total loans | $73,394,000 | 3,646 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 4,209 |
| Cost of funding earning assets | 0.0872% | 4,653 |
| Net interest margin | 2.8239% | 3,737 |
| Noninterest income to average assets | 0.4221% | 2,996 |
| Noninterest expense to average assets | 2.1736% | 3,174 |
| Loan and lease loss provision to assets | 0.0012% | 2,847 |
| Net operating income to assets | 0.6407% | 3,894 |
| Return on assets (ROA) | 0.6407% | 3,955 |
| Pretax return on assets | 0.8594% | 3,749 |
| Return on Equity (ROE) | 7.7773% | 3,464 |
| Retained earnings to average equity (ytd only) | -2.8668% | 4,711 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6378% | 1,467 |
| Assets per employee ($millions) | 7.1450% | 1,696 |
| Cash dividends to net income (ytd only)* | 136.8613% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,987 |
| Loan loss allowance to noncurrent loans | 61.8302% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 741 |
| Noncurrent loans to loans | 2.2598% | 391 |
| Net loans and leases to total assets | 44.1017% | 4,037 |
| Net loans and leases to deposits | 48.4491% | 4,187 |
| Net loans and leases to core deposits | 49.1083% | 4,278 |
| Total domestic deposits to total assets | 91.0269% | 365 |
| Equity capital to assets | 8.4467% | 4,245 |
| Core capital (leverage) ratio | 8.7325% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8691% | 717 |
| Memoranda: | ||
| Average total assets | $171,054,000 | 3,327 |
| Average earning assets | $158,222,667 | 3,329 |
| Average equity | $14,092,333 | 3,782 |
| Average total loans | $74,846,333 | 3,636 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9642% | 4,157 |
| Cost of funding earning assets | 0.0962% | 4,676 |
| Net interest margin | 2.8681% | 3,596 |
| Noninterest income to average assets | 0.4449% | 2,848 |
| Noninterest expense to average assets | 2.1375% | 3,310 |
| Loan and lease loss provision to assets | 0.0023% | 2,719 |
| Net operating income to assets | 0.7224% | 3,658 |
| Return on assets (ROA) | 0.7224% | 3,721 |
| Pretax return on assets | 0.9724% | 3,451 |
| Return on Equity (ROE) | 8.8745% | 3,074 |
| Retained earnings to average equity (ytd only) | -12.2552% | 4,849 |
| Net charge-offs to loans | 0.0053% | 1,719 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 218 |
| Efficiency ratio | 68.6809% | 1,850 |
| Assets per employee ($millions) | 7.7082% | 1,338 |
| Cash dividends to net income (ytd only)* | 238.0952% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 2,169 |
| Loan loss allowance to noncurrent loans | 49.2559% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 639 |
| Noncurrent loans to loans | 2.7555% | 310 |
| Net loans and leases to total assets | 42.0596% | 4,233 |
| Net loans and leases to deposits | 45.8908% | 4,359 |
| Net loans and leases to core deposits | 46.4647% | 4,424 |
| Total domestic deposits to total assets | 91.6515% | 206 |
| Equity capital to assets | 7.8206% | 4,585 |
| Core capital (leverage) ratio | 8.5582% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6676% | 717 |
| Memoranda: | ||
| Average total assets | $174,413,000 | 3,293 |
| Average earning assets | $162,200,000 | 3,289 |
| Average equity | $14,198,000 | 3,778 |
| Average total loans | $75,518,500 | 3,642 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 3,792 |
| Cost of funding earning assets | 0.1864% | 4,626 |
| Net interest margin | 3.4228% | 2,702 |
| Noninterest income to average assets | 0.4558% | 2,844 |
| Noninterest expense to average assets | 2.4040% | 3,122 |
| Loan and lease loss provision to assets | 0.1521% | 2,473 |
| Net operating income to assets | 0.8287% | 2,983 |
| Return on assets (ROA) | 0.8354% | 3,086 |
| Pretax return on assets | 1.1233% | 2,609 |
| Return on Equity (ROE) | 8.9563% | 2,410 |
| Retained earnings to average equity (ytd only) | 1.5888% | 3,997 |
| Net charge-offs to loans | 0.0291% | 2,448 |
| Credit loss provision to net charge-offs | 1,104.7619% | 729 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 830 |
| Efficiency ratio | 65.4877% | 2,608 |
| Assets per employee ($millions) | 7.1474% | 1,480 |
| Cash dividends to net income (ytd only)* | 82.2606% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,150 |
| Loan loss allowance to noncurrent loans | 107.0981% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 1,683 |
| Noncurrent loans to loans | 1.2698% | 1,079 |
| Net loans and leases to total assets | 43.3831% | 4,279 |
| Net loans and leases to deposits | 47.6828% | 4,403 |
| Net loans and leases to core deposits | 48.8028% | 4,463 |
| Total domestic deposits to total assets | 90.9827% | 233 |
| Equity capital to assets | 8.4711% | 4,465 |
| Core capital (leverage) ratio | 9.0077% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6727% | 698 |
| Memoranda: | ||
| Average total assets | $152,493,400 | 3,375 |
| Average earning assets | $143,247,000 | 3,343 |
| Average equity | $14,224,600 | 3,728 |
| Average total loans | $72,255,200 | 3,685 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 3,558 |
| Cost of funding earning assets | 0.2103% | 4,632 |
| Net interest margin | 3.5941% | 2,291 |
| Noninterest income to average assets | 0.4494% | 2,851 |
| Noninterest expense to average assets | 2.4738% | 2,921 |
| Loan and lease loss provision to assets | 0.1144% | 2,892 |
| Net operating income to assets | 0.9158% | 2,639 |
| Return on assets (ROA) | 0.9251% | 2,743 |
| Pretax return on assets | 1.2500% | 2,222 |
| Return on Equity (ROE) | 9.6595% | 2,149 |
| Retained earnings to average equity (ytd only) | -0.2168% | 4,514 |
| Net charge-offs to loans | 0.0131% | 2,639 |
| Credit loss provision to net charge-offs | 1,814.2857% | 524 |
| Earnings coverage of net charge-offs (x) | 214.1429% | 476 |
| Efficiency ratio | 64.6462% | 2,642 |
| Assets per employee ($millions) | 6.7576% | 1,648 |
| Cash dividends to net income (ytd only)* | 102.2439% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,672 |
| Loan loss allowance to noncurrent loans | 95.2138% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 1,647 |
| Noncurrent loans to loans | 1.2596% | 1,188 |
| Net loans and leases to total assets | 47.4951% | 4,238 |
| Net loans and leases to deposits | 52.4560% | 4,392 |
| Net loans and leases to core deposits | 53.7871% | 4,461 |
| Total domestic deposits to total assets | 90.5428% | 274 |
| Equity capital to assets | 8.9738% | 4,142 |
| Core capital (leverage) ratio | 9.6602% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6721% | 609 |
| Memoranda: | ||
| Average total assets | $147,732,500 | 3,420 |
| Average earning assets | $138,816,000 | 3,382 |
| Average equity | $14,148,000 | 3,742 |
| Average total loans | $71,458,000 | 3,717 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,445 |
| Cost of funding earning assets | 0.2354% | 4,668 |
| Net interest margin | 3.7212% | 2,091 |
| Noninterest income to average assets | 0.4324% | 2,892 |
| Noninterest expense to average assets | 2.5442% | 2,843 |
| Loan and lease loss provision to assets | 0.1078% | 2,932 |
| Net operating income to assets | 0.9442% | 2,520 |
| Return on assets (ROA) | 0.9586% | 2,589 |
| Pretax return on assets | 1.2945% | 2,043 |
| Return on Equity (ROE) | 9.7769% | 2,060 |
| Retained earnings to average equity (ytd only) | -5.1810% | 4,776 |
| Net charge-offs to loans | 0.0202% | 2,320 |
| Credit loss provision to net charge-offs | 1,100.0000% | 741 |
| Earnings coverage of net charge-offs (x) | 141.2857% | 554 |
| Efficiency ratio | 64.7667% | 2,699 |
| Assets per employee ($millions) | 6.6275% | 1,689 |
| Cash dividends to net income (ytd only)* | 152.9927% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,626 |
| Loan loss allowance to noncurrent loans | 89.6657% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 1,694 |
| Noncurrent loans to loans | 1.3131% | 1,177 |
| Net loans and leases to total assets | 46.7015% | 4,326 |
| Net loans and leases to deposits | 55.5458% | 4,308 |
| Net loans and leases to core deposits | 57.0916% | 4,393 |
| Total domestic deposits to total assets | 84.0776% | 2,727 |
| Equity capital to assets | 8.9489% | 4,129 |
| Core capital (leverage) ratio | 10.0099% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1498% | 568 |
| Memoranda: | ||
| Average total assets | $142,915,667 | 3,453 |
| Average earning assets | $134,257,667 | 3,415 |
| Average equity | $14,012,667 | 3,762 |
| Average total loans | $69,289,333 | 3,767 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 4,025 |
| Cost of funding earning assets | 0.2724% | 4,725 |
| Net interest margin | 3.6305% | 2,565 |
| Noninterest income to average assets | 0.4687% | 2,706 |
| Noninterest expense to average assets | 2.7825% | 2,479 |
| Loan and lease loss provision to assets | 0.0059% | 3,678 |
| Net operating income to assets | 0.8061% | 2,890 |
| Return on assets (ROA) | 0.8365% | 2,853 |
| Pretax return on assets | 1.1183% | 2,458 |
| Return on Equity (ROE) | 8.1139% | 2,472 |
| Retained earnings to average equity (ytd only) | -22.0400% | 4,986 |
| Net charge-offs to loans | 0.0422% | 1,610 |
| Credit loss provision to net charge-offs | 28.5714% | 2,159 |
| Earnings coverage of net charge-offs (x) | 52.2857% | 871 |
| Efficiency ratio | 71.9325% | 2,085 |
| Assets per employee ($millions) | 5.5135% | 2,109 |
| Cash dividends to net income (ytd only)* | 371.6312% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,735 |
| Loan loss allowance to noncurrent loans | 91.6290% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 1,621 |
| Noncurrent loans to loans | 1.2964% | 1,263 |
| Net loans and leases to total assets | 50.9186% | 4,189 |
| Net loans and leases to deposits | 57.9297% | 4,290 |
| Net loans and leases to core deposits | 59.5728% | 4,377 |
| Total domestic deposits to total assets | 87.8972% | 1,149 |
| Equity capital to assets | 10.3382% | 3,480 |
| Core capital (leverage) ratio | 10.5619% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2912% | 831 |
| Memoranda: | ||
| Average total assets | $134,844,000 | 3,523 |
| Average earning assets | $126,264,500 | 3,494 |
| Average equity | $13,902,000 | 3,780 |
| Average total loans | $66,350,000 | 3,833 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,643 |
| Cost of funding earning assets | 0.3359% | 4,639 |
| Net interest margin | 3.9251% | 2,090 |
| Noninterest income to average assets | 0.5548% | 2,445 |
| Noninterest expense to average assets | 2.6635% | 2,985 |
| Loan and lease loss provision to assets | 0.2178% | 900 |
| Net operating income to assets | 0.9703% | 2,950 |
| Return on assets (ROA) | 0.9703% | 3,030 |
| Pretax return on assets | 1.3088% | 2,482 |
| Return on Equity (ROE) | 9.7483% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.5095% | 2,702 |
| Net charge-offs to loans | 0.2213% | 924 |
| Credit loss provision to net charge-offs | 204.1667% | 1,300 |
| Earnings coverage of net charge-offs (x) | 14.3125% | 2,290 |
| Efficiency ratio | 63.5673% | 3,133 |
| Assets per employee ($millions) | 5.7235% | 1,862 |
| Cash dividends to net income (ytd only)* | 53.7405% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,100 |
| Loan loss allowance to noncurrent loans | 88.7800% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 1,570 |
| Noncurrent loans to loans | 1.4230% | 1,031 |
| Net loans and leases to total assets | 46.3713% | 4,508 |
| Net loans and leases to deposits | 51.9721% | 4,605 |
| Net loans and leases to core deposits | 53.5908% | 4,658 |
| Total domestic deposits to total assets | 89.2234% | 584 |
| Equity capital to assets | 10.2822% | 3,639 |
| Core capital (leverage) ratio | 10.7794% | 2,693 |
| Tier 1 risk-based capital ratio | 21.0258% | 1,161 |
| Total risk-based capital ratio | 22.1816% | 1,155 |
| Memoranda: | ||
| Average total assets | $135,011,400 | 3,507 |
| Average earning assets | $125,041,600 | 3,493 |
| Average equity | $13,438,200 | 3,832 |
| Average total loans | $65,081,600 | 3,884 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 3,758 |
| Cost of funding earning assets | 0.3468% | 4,667 |
| Net interest margin | 3.9219% | 2,187 |
| Noninterest income to average assets | 0.4642% | 2,935 |
| Noninterest expense to average assets | 2.6443% | 3,027 |
| Loan and lease loss provision to assets | 0.1587% | 1,187 |
| Net operating income to assets | 0.9522% | 3,157 |
| Return on assets (ROA) | 0.9522% | 3,233 |
| Pretax return on assets | 1.2845% | 2,713 |
| Return on Equity (ROE) | 9.6480% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.5727% | 4,062 |
| Net charge-offs to loans | 0.0532% | 2,074 |
| Credit loss provision to net charge-offs | 615.3846% | 531 |
| Earnings coverage of net charge-offs (x) | 55.9547% | 1,111 |
| Efficiency ratio | 64.6930% | 2,910 |
| Assets per employee ($millions) | 5.8800% | 1,690 |
| Cash dividends to net income (ytd only)* | 73.3330% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,274 |
| Loan loss allowance to noncurrent loans | 67.3126% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 1,530 |
| Noncurrent loans to loans | 1.8468% | 766 |
| Net loans and leases to total assets | 46.9351% | 4,556 |
| Net loans and leases to deposits | 52.6109% | 4,683 |
| Net loans and leases to core deposits | 54.2693% | 4,733 |
| Total domestic deposits to total assets | 89.2118% | 550 |
| Equity capital to assets | 10.2351% | 3,787 |
| Core capital (leverage) ratio | 10.8336% | 2,805 |
| Tier 1 risk-based capital ratio | 19.5479% | 1,450 |
| Total risk-based capital ratio | 20.6268% | 1,453 |
| Memoranda: | ||
| Average total assets | $134,423,500 | 3,549 |
| Average earning assets | $124,188,000 | 3,541 |
| Average equity | $13,266,750 | 3,895 |
| Average total loans | $65,224,000 | 3,927 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 3,608 |
| Cost of funding earning assets | 0.3487% | 4,682 |
| Net interest margin | 3.9620% | 2,051 |
| Noninterest income to average assets | 0.3921% | 3,325 |
| Noninterest expense to average assets | 2.5792% | 3,251 |
| Loan and lease loss provision to assets | 0.1908% | 922 |
| Net operating income to assets | 0.9497% | 3,092 |
| Return on assets (ROA) | 0.9497% | 3,161 |
| Pretax return on assets | 1.2806% | 2,632 |
| Return on Equity (ROE) | 9.7438% | 2,511 |
| Retained earnings to average equity (ytd only) | -1.0249% | 4,828 |
| Net charge-offs to loans | 0.0580% | 1,813 |
| Credit loss provision to net charge-offs | 673.6842% | 479 |
| Earnings coverage of net charge-offs (x) | 51.9474% | 1,065 |
| Efficiency ratio | 63.6732% | 3,186 |
| Assets per employee ($millions) | 6.2264% | 1,384 |
| Cash dividends to net income (ytd only)* | 110.5181% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,792 |
| Loan loss allowance to noncurrent loans | 64.3392% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 1,427 |
| Noncurrent loans to loans | 1.7862% | 842 |
| Net loans and leases to total assets | 50.9151% | 4,416 |
| Net loans and leases to deposits | 57.0481% | 4,556 |
| Net loans and leases to core deposits | 59.4358% | 4,594 |
| Total domestic deposits to total assets | 89.2494% | 569 |
| Equity capital to assets | 10.2856% | 3,711 |
| Core capital (leverage) ratio | 10.9950% | 2,607 |
| Tier 1 risk-based capital ratio | 19.1237% | 1,526 |
| Total risk-based capital ratio | 20.1694% | 1,538 |
| Memoranda: | ||
| Average total assets | $134,151,330 | 3,564 |
| Average earning assets | $123,877,330 | 3,564 |
| Average equity | $13,075,000 | 3,925 |
| Average total loans | $65,540,670 | 3,938 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 3,704 |
| Cost of funding earning assets | 0.3151% | 4,796 |
| Net interest margin | 3.9368% | 2,071 |
| Noninterest income to average assets | 0.3946% | 3,214 |
| Noninterest expense to average assets | 2.6176% | 3,160 |
| Loan and lease loss provision to assets | 0.2208% | 705 |
| Net operating income to assets | 0.8892% | 3,277 |
| Return on assets (ROA) | 0.8892% | 3,330 |
| Pretax return on assets | 1.1984% | 2,808 |
| Return on Equity (ROE) | 9.3731% | 2,640 |
| Retained earnings to average equity (ytd only) | -12.4767% | 5,162 |
| Net charge-offs to loans | 0.1114% | 1,069 |
| Credit loss provision to net charge-offs | 416.6667% | 675 |
| Earnings coverage of net charge-offs (x) | 26.7778% | 1,394 |
| Efficiency ratio | 64.8432% | 3,108 |
| Assets per employee ($millions) | 5.7825% | 1,716 |
| Cash dividends to net income (ytd only)* | 233.1126% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,020 |
| Loan loss allowance to noncurrent loans | 58.7948% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 1,437 |
| Noncurrent loans to loans | 1.9047% | 796 |
| Net loans and leases to total assets | 47.9342% | 4,590 |
| Net loans and leases to deposits | 53.3160% | 4,699 |
| Net loans and leases to core deposits | 55.4820% | 4,734 |
| Total domestic deposits to total assets | 89.9058% | 486 |
| Equity capital to assets | 9.6581% | 4,125 |
| Core capital (leverage) ratio | 10.3278% | 3,248 |
| Tier 1 risk-based capital ratio | 19.1958% | 1,503 |
| Total risk-based capital ratio | 20.1972% | 1,523 |
| Memoranda: | ||
| Average total assets | $135,849,500 | 3,580 |
| Average earning assets | $125,685,500 | 3,577 |
| Average equity | $12,888,000 | 3,963 |
| Average total loans | $64,637,000 | 3,999 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 3,693 |
| Cost of funding earning assets | 0.2187% | 4,926 |
| Net interest margin | 3.8969% | 2,338 |
| Noninterest income to average assets | 0.5247% | 2,689 |
| Noninterest expense to average assets | 2.6568% | 3,164 |
| Loan and lease loss provision to assets | 0.3801% | 373 |
| Net operating income to assets | 0.8405% | 3,644 |
| Return on assets (ROA) | 0.8424% | 3,634 |
| Pretax return on assets | 1.1229% | 3,196 |
| Return on Equity (ROE) | 8.4485% | 3,242 |
| Retained earnings to average equity (ytd only) | 1.3473% | 4,598 |
| Net charge-offs to loans | 1.4186% | 82 |
| Credit loss provision to net charge-offs | 50.8457% | 3,177 |
| Earnings coverage of net charge-offs (x) | 2.0074% | 3,565 |
| Efficiency ratio | 63.9042% | 3,206 |
| Assets per employee ($millions) | 6.3046% | 1,317 |
| Cash dividends to net income (ytd only)* | 84.0525% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,516 |
| Loan loss allowance to noncurrent loans | 53.5858% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 1,453 |
| Noncurrent loans to loans | 1.9151% | 717 |
| Net loans and leases to total assets | 46.2401% | 4,727 |
| Net loans and leases to deposits | 51.1386% | 4,848 |
| Net loans and leases to core deposits | 53.4249% | 4,865 |
| Total domestic deposits to total assets | 90.4212% | 347 |
| Equity capital to assets | 9.3229% | 4,299 |
| Core capital (leverage) ratio | 10.7150% | 2,823 |
| Tier 1 risk-based capital ratio | 19.7868% | 1,342 |
| Total risk-based capital ratio | 20.7121% | 1,382 |
| Memoranda: | ||
| Average total assets | $126,545,400 | 3,688 |
| Average earning assets | $117,964,400 | 3,675 |
| Average equity | $12,617,600 | 3,941 |
| Average total loans | $66,686,400 | 3,945 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 3,659 |
| Cost of funding earning assets | 0.2173% | 4,957 |
| Net interest margin | 3.8755% | 2,387 |
| Noninterest income to average assets | 0.5279% | 2,693 |
| Noninterest expense to average assets | 2.8360% | 2,513 |
| Loan and lease loss provision to assets | 0.3325% | 421 |
| Net operating income to assets | 0.7391% | 4,112 |
| Return on assets (ROA) | 0.7416% | 4,110 |
| Pretax return on assets | 0.9824% | 3,772 |
| Return on Equity (ROE) | 7.3049% | 3,817 |
| Retained earnings to average equity (ytd only) | -2.2223% | 5,211 |
| Net charge-offs to loans | 1.8781% | 52 |
| Credit loss provision to net charge-offs | 32.5581% | 2,955 |
| Earnings coverage of net charge-offs (x) | 1.2844% | 3,365 |
| Efficiency ratio | 68.3758% | 2,470 |
| Assets per employee ($millions) | 5.6559% | 1,772 |
| Cash dividends to net income (ytd only)* | 130.4221% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 4,757 |
| Loan loss allowance to noncurrent loans | 38.9549% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0882% | 1,321 |
| Noncurrent loans to loans | 1.9228% | 782 |
| Net loans and leases to total assets | 52.3953% | 4,464 |
| Net loans and leases to deposits | 58.4950% | 4,621 |
| Net loans and leases to core deposits | 61.4439% | 4,641 |
| Total domestic deposits to total assets | 89.5724% | 650 |
| Equity capital to assets | 10.0210% | 3,626 |
| Core capital (leverage) ratio | 10.9345% | 2,640 |
| Tier 1 risk-based capital ratio | 18.4787% | 1,676 |
| Total risk-based capital ratio | 19.1355% | 1,783 |
| Memoranda: | ||
| Average total assets | $123,506,250 | 3,773 |
| Average earning assets | $115,354,500 | 3,762 |
| Average equity | $12,539,250 | 3,981 |
| Average total loans | $67,157,750 | 3,966 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,710 |
| Cost of funding earning assets | 0.2101% | 4,980 |
| Net interest margin | 3.8154% | 2,521 |
| Noninterest income to average assets | 0.5487% | 2,584 |
| Noninterest expense to average assets | 2.7224% | 2,931 |
| Loan and lease loss provision to assets | 0.1640% | 1,127 |
| Net operating income to assets | 0.9170% | 3,389 |
| Return on assets (ROA) | 0.9221% | 3,358 |
| Pretax return on assets | 1.2354% | 2,789 |
| Return on Equity (ROE) | 9.0427% | 2,994 |
| Retained earnings to average equity (ytd only) | -5.2218% | 5,301 |
| Net charge-offs to loans | 0.0059% | 2,934 |
| Credit loss provision to net charge-offs | 5,050.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 213 |
| Efficiency ratio | 66.1538% | 2,947 |
| Assets per employee ($millions) | 5.5912% | 1,806 |
| Cash dividends to net income (ytd only)* | 157.7465% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 818 |
| Loan loss allowance to noncurrent loans | 37.0963% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.7941% | 283 |
| Noncurrent loans to loans | 4.7250% | 153 |
| Net loans and leases to total assets | 56.0025% | 4,167 |
| Net loans and leases to deposits | 63.7288% | 4,295 |
| Net loans and leases to core deposits | 67.3718% | 4,290 |
| Total domestic deposits to total assets | 87.8763% | 1,444 |
| Equity capital to assets | 10.1393% | 3,499 |
| Core capital (leverage) ratio | 11.3148% | 2,241 |
| Tier 1 risk-based capital ratio | 17.6829% | 1,892 |
| Total risk-based capital ratio | 18.9367% | 1,848 |
| Memoranda: | ||
| Average total assets | $123,198,670 | 3,806 |
| Average earning assets | $115,166,330 | 3,791 |
| Average equity | $12,562,670 | 4,000 |
| Average total loans | $67,648,000 | 3,984 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 3,669 |
| Cost of funding earning assets | 0.1834% | 5,107 |
| Net interest margin | 3.8005% | 2,422 |
| Noninterest income to average assets | 0.4737% | 2,975 |
| Noninterest expense to average assets | 2.7836% | 2,760 |
| Loan and lease loss provision to assets | 0.1298% | 1,455 |
| Net operating income to assets | 0.8397% | 3,557 |
| Return on assets (ROA) | 0.8500% | 3,521 |
| Pretax return on assets | 1.1355% | 3,024 |
| Return on Equity (ROE) | 8.3122% | 3,236 |
| Retained earnings to average equity (ytd only) | -20.1142% | 5,505 |
| Net charge-offs to loans | 0.0120% | 2,319 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 347 |
| Efficiency ratio | 68.9711% | 2,672 |
| Assets per employee ($millions) | 5.4259% | 2,009 |
| Cash dividends to net income (ytd only)* | 341.9847% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 883 |
| Loan loss allowance to noncurrent loans | 30.7126% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.2898% | 223 |
| Noncurrent loans to loans | 5.6566% | 112 |
| Net loans and leases to total assets | 55.3431% | 4,177 |
| Net loans and leases to deposits | 62.2948% | 4,320 |
| Net loans and leases to core deposits | 65.5999% | 4,334 |
| Total domestic deposits to total assets | 88.8406% | 1,186 |
| Equity capital to assets | 10.2103% | 3,378 |
| Core capital (leverage) ratio | 10.8811% | 2,556 |
| Tier 1 risk-based capital ratio | 18.1193% | 1,802 |
| Total risk-based capital ratio | 19.3739% | 1,749 |
| Memoranda: | ||
| Average total assets | $123,294,500 | 3,843 |
| Average earning assets | $115,563,000 | 3,818 |
| Average equity | $12,608,000 | 4,030 |
| Average total loans | $66,414,000 | 4,046 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,178 |
| Cost of funding earning assets | 0.2124% | 4,847 |
| Net interest margin | 3.5497% | 3,342 |
| Noninterest income to average assets | 0.5189% | 2,885 |
| Noninterest expense to average assets | 2.5449% | 3,621 |
| Loan and lease loss provision to assets | 0.0915% | 2,368 |
| Net operating income to assets | 0.9351% | 2,521 |
| Return on assets (ROA) | 0.9424% | 2,515 |
| Pretax return on assets | 1.2263% | 2,659 |
| Return on Equity (ROE) | 9.4319% | 2,124 |
| Retained earnings to average equity (ytd only) | 5.3118% | 1,923 |
| Net charge-offs to loans | 0.0110% | 3,702 |
| Credit loss provision to net charge-offs | 1,657.1429% | 233 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 351 |
| Efficiency ratio | 66.0458% | 3,257 |
| Assets per employee ($millions) | 5.7827% | 1,671 |
| Cash dividends to net income (ytd only)* | 43.6820% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 899 |
| Loan loss allowance to noncurrent loans | 33.5312% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.7637% | 311 |
| Noncurrent loans to loans | 5.1374% | 131 |
| Net loans and leases to total assets | 50.6740% | 4,614 |
| Net loans and leases to deposits | 56.7396% | 4,758 |
| Net loans and leases to core deposits | 60.6611% | 4,724 |
| Total domestic deposits to total assets | 89.3098% | 866 |
| Equity capital to assets | 10.2406% | 3,448 |
| Core capital (leverage) ratio | 11.0874% | 2,255 |
| Tier 1 risk-based capital ratio | 19.2511% | 1,459 |
| Total risk-based capital ratio | 20.5047% | 1,432 |
| Memoranda: | ||
| Average total assets | $126,802,200 | 3,795 |
| Average earning assets | $119,110,200 | 3,761 |
| Average equity | $12,669,800 | 4,034 |
| Average total loans | $63,454,800 | 4,115 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 4,296 |
| Cost of funding earning assets | 0.2173% | 4,833 |
| Net interest margin | 3.4922% | 3,530 |
| Noninterest income to average assets | 0.5335% | 2,815 |
| Noninterest expense to average assets | 2.6309% | 3,314 |
| Loan and lease loss provision to assets | 0.0663% | 2,743 |
| Net operating income to assets | 0.7232% | 3,862 |
| Return on assets (ROA) | 0.7314% | 3,887 |
| Pretax return on assets | 1.1302% | 3,184 |
| Return on Equity (ROE) | 7.3658% | 3,463 |
| Retained earnings to average equity (ytd only) | 1.8335% | 4,699 |
| Net charge-offs to loans | 0.0064% | 3,507 |
| Credit loss provision to net charge-offs | 2,100.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 374.9900% | 250 |
| Efficiency ratio | 68.9655% | 2,716 |
| Assets per employee ($millions) | 5.4846% | 1,937 |
| Cash dividends to net income (ytd only)* | 75.1079% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 1,058 |
| Loan loss allowance to noncurrent loans | 34.1656% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.6620% | 378 |
| Noncurrent loans to loans | 4.9380% | 167 |
| Net loans and leases to total assets | 49.9370% | 4,703 |
| Net loans and leases to deposits | 56.0870% | 4,869 |
| Net loans and leases to core deposits | 61.1666% | 4,761 |
| Total domestic deposits to total assets | 89.0348% | 867 |
| Equity capital to assets | 10.2216% | 3,673 |
| Core capital (leverage) ratio | 10.8739% | 2,576 |
| Tier 1 risk-based capital ratio | 19.2437% | 1,533 |
| Total risk-based capital ratio | 20.4962% | 1,488 |
| Memoranda: | ||
| Average total assets | $126,698,000 | 3,834 |
| Average earning assets | $119,042,750 | 3,803 |
| Average equity | $12,580,250 | 4,086 |
| Average total loans | $62,919,250 | 4,157 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 4,299 |
| Cost of funding earning assets | 0.2199% | 4,805 |
| Net interest margin | 3.4556% | 3,568 |
| Noninterest income to average assets | 0.5470% | 2,734 |
| Noninterest expense to average assets | 2.6040% | 3,422 |
| Loan and lease loss provision to assets | 0.0962% | 2,076 |
| Net operating income to assets | 0.7074% | 3,817 |
| Return on assets (ROA) | 0.7156% | 3,841 |
| Pretax return on assets | 1.1050% | 3,153 |
| Return on Equity (ROE) | 7.2782% | 3,408 |
| Retained earnings to average equity (ytd only) | -1.0901% | 5,246 |
| Net charge-offs to loans | 0.0032% | 3,382 |
| Credit loss provision to net charge-offs | 6,100.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 754.0000% | 101 |
| Efficiency ratio | 68.6617% | 2,899 |
| Assets per employee ($millions) | 5.5264% | 1,846 |
| Cash dividends to net income (ytd only)* | 114.9780% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,063 |
| Loan loss allowance to noncurrent loans | 34.1117% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.7825% | 354 |
| Noncurrent loans to loans | 4.9837% | 153 |
| Net loans and leases to total assets | 51.4114% | 4,618 |
| Net loans and leases to deposits | 57.8042% | 4,761 |
| Net loans and leases to core deposits | 62.3097% | 4,703 |
| Total domestic deposits to total assets | 88.9406% | 988 |
| Equity capital to assets | 10.4384% | 3,420 |
| Core capital (leverage) ratio | 10.7518% | 2,650 |
| Tier 1 risk-based capital ratio | 18.8391% | 1,628 |
| Total risk-based capital ratio | 20.0917% | 1,583 |
| Memoranda: | ||
| Average total assets | $126,882,330 | 3,853 |
| Average earning assets | $119,169,330 | 3,821 |
| Average equity | $12,475,670 | 4,114 |
| Average total loans | $62,534,330 | 4,189 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 4,576 |
| Cost of funding earning assets | 0.2036% | 4,946 |
| Net interest margin | 3.3363% | 3,900 |
| Noninterest income to average assets | 0.4508% | 3,310 |
| Noninterest expense to average assets | 2.5970% | 3,517 |
| Loan and lease loss provision to assets | 0.0957% | 1,951 |
| Net operating income to assets | 0.5879% | 4,206 |
| Return on assets (ROA) | 0.6022% | 4,207 |
| Pretax return on assets | 0.9171% | 3,701 |
| Return on Equity (ROE) | 6.3066% | 3,764 |
| Retained earnings to average equity (ytd only) | -10.5757% | 5,591 |
| Net charge-offs to loans | 0.0065% | 2,749 |
| Credit loss provision to net charge-offs | 3,100.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 188 |
| Efficiency ratio | 72.3752% | 2,508 |
| Assets per employee ($millions) | 5.4972% | 1,893 |
| Cash dividends to net income (ytd only)* | 267.6923% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,187 |
| Loan loss allowance to noncurrent loans | 28.4208% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 3.0941% | 314 |
| Noncurrent loans to loans | 5.9086% | 117 |
| Net loans and leases to total assets | 48.6701% | 4,773 |
| Net loans and leases to deposits | 54.3989% | 4,911 |
| Net loans and leases to core deposits | 58.6577% | 4,844 |
| Total domestic deposits to total assets | 89.4689% | 913 |
| Equity capital to assets | 9.7141% | 4,049 |
| Core capital (leverage) ratio | 10.2837% | 3,138 |
| Tier 1 risk-based capital ratio | 18.7444% | 1,680 |
| Total risk-based capital ratio | 19.9983% | 1,633 |
| Memoranda: | ||
| Average total assets | $129,533,500 | 3,845 |
| Average earning assets | $121,811,500 | 3,815 |
| Average equity | $12,368,000 | 4,152 |
| Average total loans | $62,008,000 | 4,242 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,458 |
| Cost of funding earning assets | 0.2001% | 5,010 |
| Net interest margin | 3.4221% | 3,741 |
| Noninterest income to average assets | 0.5951% | 2,691 |
| Noninterest expense to average assets | 2.4134% | 4,272 |
| Loan and lease loss provision to assets | 0.1096% | 2,229 |
| Net operating income to assets | 0.8115% | 3,253 |
| Return on assets (ROA) | 0.8175% | 3,329 |
| Pretax return on assets | 1.2693% | 2,405 |
| Return on Equity (ROE) | 8.4116% | 2,736 |
| Retained earnings to average equity (ytd only) | 4.7859% | 2,485 |
| Net charge-offs to loans | 0.0729% | 2,654 |
| Credit loss provision to net charge-offs | 311.1111% | 957 |
| Earnings coverage of net charge-offs (x) | 38.8667% | 1,197 |
| Efficiency ratio | 63.7963% | 3,974 |
| Assets per employee ($millions) | 6.3158% | 1,248 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 1,227 |
| Loan loss allowance to noncurrent loans | 28.3375% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.8779% | 371 |
| Noncurrent loans to loans | 5.8653% | 108 |
| Net loans and leases to total assets | 45.5456% | 5,038 |
| Net loans and leases to deposits | 50.6235% | 5,182 |
| Net loans and leases to core deposits | 55.1077% | 5,094 |
| Total domestic deposits to total assets | 89.9692% | 641 |
| Equity capital to assets | 9.3899% | 4,379 |
| Core capital (leverage) ratio | 10.5357% | 2,847 |
| Tier 1 risk-based capital ratio | 19.2622% | 1,531 |
| Total risk-based capital ratio | 20.5149% | 1,493 |
| Memoranda: | ||
| Average total assets | $127,705,000 | 3,868 |
| Average earning assets | $118,962,400 | 3,848 |
| Average equity | $12,411,400 | 4,186 |
| Average total loans | $61,711,800 | 4,238 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,241 |
| Cost of funding earning assets | 0.1964% | 5,108 |
| Net interest margin | 3.5074% | 3,442 |
| Noninterest income to average assets | 0.5893% | 2,716 |
| Noninterest expense to average assets | 2.4763% | 4,059 |
| Loan and lease loss provision to assets | 0.0148% | 3,952 |
| Net operating income to assets | 0.8637% | 3,084 |
| Return on assets (ROA) | 0.8718% | 3,168 |
| Pretax return on assets | 1.3673% | 2,168 |
| Return on Equity (ROE) | 8.8917% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.0534% | 3,416 |
| Net charge-offs to loans | 0.0194% | 3,313 |
| Credit loss provision to net charge-offs | 155.5556% | 1,733 |
| Earnings coverage of net charge-offs (x) | 144.3300% | 481 |
| Efficiency ratio | 64.3914% | 3,871 |
| Assets per employee ($millions) | 5.9123% | 1,506 |
| Cash dividends to net income (ytd only)* | 54.4140% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,889 |
| Loan loss allowance to noncurrent loans | 79.7089% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 1,914 |
| Noncurrent loans to loans | 1.8436% | 1,105 |
| Net loans and leases to total assets | 47.9907% | 4,959 |
| Net loans and leases to deposits | 53.8966% | 5,119 |
| Net loans and leases to core deposits | 58.9643% | 5,000 |
| Total domestic deposits to total assets | 89.0421% | 883 |
| Equity capital to assets | 9.8823% | 4,268 |
| Core capital (leverage) ratio | 10.5214% | 2,974 |
| Tier 1 risk-based capital ratio | 18.9647% | 1,678 |
| Total risk-based capital ratio | 20.2150% | 1,640 |
| Memoranda: | ||
| Average total assets | $126,473,250 | 3,915 |
| Average earning assets | $117,423,750 | 3,901 |
| Average equity | $12,400,750 | 4,225 |
| Average total loans | $61,782,500 | 4,266 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,177 |
| Cost of funding earning assets | 0.1931% | 5,209 |
| Net interest margin | 3.5404% | 3,325 |
| Noninterest income to average assets | 0.6354% | 2,438 |
| Noninterest expense to average assets | 2.4746% | 4,104 |
| Loan and lease loss provision to assets | 0.0048% | 3,957 |
| Net operating income to assets | 0.9121% | 2,803 |
| Return on assets (ROA) | 0.9244% | 2,881 |
| Pretax return on assets | 1.4544% | 1,824 |
| Return on Equity (ROE) | 9.4533% | 2,294 |
| Retained earnings to average equity (ytd only) | 2.1062% | 4,515 |
| Net charge-offs to loans | 0.0294% | 2,888 |
| Credit loss provision to net charge-offs | 33.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 100.2222% | 577 |
| Efficiency ratio | 63.2137% | 4,152 |
| Assets per employee ($millions) | 5.9377% | 1,441 |
| Cash dividends to net income (ytd only)* | 77.7202% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 2,122 |
| Loan loss allowance to noncurrent loans | 77.9001% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 1,868 |
| Noncurrent loans to loans | 1.8448% | 1,103 |
| Net loans and leases to total assets | 50.6035% | 4,802 |
| Net loans and leases to deposits | 56.9209% | 4,953 |
| Net loans and leases to core deposits | 62.4386% | 4,857 |
| Total domestic deposits to total assets | 88.9014% | 959 |
| Equity capital to assets | 10.1114% | 4,081 |
| Core capital (leverage) ratio | 10.5217% | 2,949 |
| Tier 1 risk-based capital ratio | 18.5254% | 1,792 |
| Total risk-based capital ratio | 19.7761% | 1,756 |
| Memoranda: | ||
| Average total assets | $125,274,000 | 3,953 |
| Average earning assets | $116,031,670 | 3,948 |
| Average equity | $12,249,670 | 4,274 |
| Average total loans | $61,259,000 | 4,305 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6744% | 4,409 |
| Cost of funding earning assets | 0.1817% | 5,361 |
| Net interest margin | 3.4927% | 3,500 |
| Noninterest income to average assets | 0.7136% | 1,971 |
| Noninterest expense to average assets | 2.3669% | 4,468 |
| Loan and lease loss provision to assets | 0.0064% | 3,594 |
| Net operating income to assets | 1.0008% | 2,272 |
| Return on assets (ROA) | 1.0130% | 2,337 |
| Pretax return on assets | 1.6055% | 1,274 |
| Return on Equity (ROE) | 10.5381% | 1,767 |
| Retained earnings to average equity (ytd only) | -4.3743% | 5,573 |
| Net charge-offs to loans | 0.0534% | 1,993 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 756 |
| Efficiency ratio | 59.7747% | 4,778 |
| Assets per employee ($millions) | 5.8162% | 1,563 |
| Cash dividends to net income (ytd only)* | 141.5094% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,892 |
| Loan loss allowance to noncurrent loans | 86.7925% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 2,010 |
| Noncurrent loans to loans | 1.7558% | 1,264 |
| Net loans and leases to total assets | 48.6753% | 4,912 |
| Net loans and leases to deposits | 55.6052% | 5,009 |
| Net loans and leases to core deposits | 60.9583% | 4,876 |
| Total domestic deposits to total assets | 87.5373% | 1,906 |
| Equity capital to assets | 9.9149% | 4,195 |
| Core capital (leverage) ratio | 10.0627% | 3,456 |
| Tier 1 risk-based capital ratio | 19.2776% | 1,664 |
| Total risk-based capital ratio | 20.5303% | 1,631 |
| Memoranda: | ||
| Average total assets | $125,565,500 | 3,984 |
| Average earning assets | $116,700,500 | 3,962 |
| Average equity | $12,070,500 | 4,320 |
| Average total loans | $59,879,500 | 4,373 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 4,930 |
| Cost of funding earning assets | 0.1765% | 5,493 |
| Net interest margin | 3.3199% | 4,212 |
| Noninterest income to average assets | 0.5318% | 3,132 |
| Noninterest expense to average assets | 2.4898% | 4,253 |
| Loan and lease loss provision to assets | 0.0032% | 4,324 |
| Net operating income to assets | 0.7148% | 3,739 |
| Return on assets (ROA) | 0.7216% | 3,805 |
| Pretax return on assets | 1.1076% | 3,012 |
| Return on Equity (ROE) | 7.7544% | 3,104 |
| Retained earnings to average equity (ytd only) | 4.3204% | 2,904 |
| Net charge-offs to loans | 0.1632% | 1,732 |
| Credit loss provision to net charge-offs | 4.3478% | 3,865 |
| Earnings coverage of net charge-offs (x) | 14.9348% | 2,250 |
| Efficiency ratio | 69.3509% | 3,331 |
| Assets per employee ($millions) | 6.1424% | 1,290 |
| Cash dividends to net income (ytd only)* | 44.2841% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 1,765 |
| Loan loss allowance to noncurrent loans | 85.7407% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 924 |
| Noncurrent loans to loans | 1.8186% | 1,199 |
| Net loans and leases to total assets | 45.3218% | 5,209 |
| Net loans and leases to deposits | 50.3475% | 5,373 |
| Net loans and leases to core deposits | 54.8091% | 5,267 |
| Total domestic deposits to total assets | 90.0179% | 626 |
| Equity capital to assets | 9.3270% | 4,756 |
| Core capital (leverage) ratio | 10.0040% | 3,500 |
| Tier 1 risk-based capital ratio | 19.3106% | 1,628 |
| Total risk-based capital ratio | 20.5631% | 1,591 |
| Memoranda: | ||
| Average total assets | $124,867,200 | 3,988 |
| Average earning assets | $115,034,000 | 3,982 |
| Average equity | $11,619,200 | 4,366 |
| Average total loans | $56,371,400 | 4,493 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 4,990 |
| Cost of funding earning assets | 0.1767% | 5,580 |
| Net interest margin | 3.3204% | 4,259 |
| Noninterest income to average assets | 0.5922% | 2,789 |
| Noninterest expense to average assets | 2.5205% | 4,132 |
| Loan and lease loss provision to assets | 0.0043% | 4,173 |
| Net operating income to assets | 0.7241% | 3,795 |
| Return on assets (ROA) | 0.7332% | 3,857 |
| Pretax return on assets | 1.1359% | 3,067 |
| Return on Equity (ROE) | 7.8843% | 3,141 |
| Retained earnings to average equity (ytd only) | 3.2649% | 4,138 |
| Net charge-offs to loans | 0.2062% | 1,255 |
| Credit loss provision to net charge-offs | 4.6512% | 3,491 |
| Earnings coverage of net charge-offs (x) | 12.1632% | 2,430 |
| Efficiency ratio | 69.1172% | 3,352 |
| Assets per employee ($millions) | 5.7340% | 1,563 |
| Cash dividends to net income (ytd only)* | 58.5905% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,709 |
| Loan loss allowance to noncurrent loans | 83.0660% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1427% | 913 |
| Noncurrent loans to loans | 1.9538% | 1,190 |
| Net loans and leases to total assets | 44.7847% | 5,305 |
| Net loans and leases to deposits | 50.2571% | 5,462 |
| Net loans and leases to core deposits | 55.5900% | 5,327 |
| Total domestic deposits to total assets | 89.1112% | 970 |
| Equity capital to assets | 9.4088% | 4,871 |
| Core capital (leverage) ratio | 10.1292% | 3,462 |
| Tier 1 risk-based capital ratio | 19.2855% | 1,712 |
| Total risk-based capital ratio | 20.5374% | 1,676 |
| Memoranda: | ||
| Average total assets | $123,836,250 | 4,047 |
| Average earning assets | $113,917,500 | 4,044 |
| Average equity | $11,516,250 | 4,435 |
| Average total loans | $55,617,500 | 4,551 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 5,022 |
| Cost of funding earning assets | 0.1751% | 5,652 |
| Net interest margin | 3.3125% | 4,256 |
| Noninterest income to average assets | 0.6127% | 2,666 |
| Noninterest expense to average assets | 2.5482% | 4,077 |
| Loan and lease loss provision to assets | 0.0033% | 4,022 |
| Net operating income to assets | 0.7143% | 3,823 |
| Return on assets (ROA) | 0.7281% | 3,871 |
| Pretax return on assets | 1.1262% | 3,071 |
| Return on Equity (ROE) | 7.8606% | 3,138 |
| Retained earnings to average equity (ytd only) | 0.8597% | 5,219 |
| Net charge-offs to loans | 0.0473% | 2,755 |
| Credit loss provision to net charge-offs | 15.3846% | 3,059 |
| Earnings coverage of net charge-offs (x) | 52.4615% | 925 |
| Efficiency ratio | 69.6889% | 3,388 |
| Assets per employee ($millions) | 5.2447% | 1,993 |
| Cash dividends to net income (ytd only)* | 89.0625% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 1,403 |
| Loan loss allowance to noncurrent loans | 84.7844% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.3452% | 849 |
| Noncurrent loans to loans | 2.1035% | 1,147 |
| Net loans and leases to total assets | 45.7908% | 5,264 |
| Net loans and leases to deposits | 51.8872% | 5,391 |
| Net loans and leases to core deposits | 57.5901% | 5,217 |
| Total domestic deposits to total assets | 88.2508% | 1,521 |
| Equity capital to assets | 9.4637% | 4,690 |
| Core capital (leverage) ratio | 10.0821% | 3,489 |
| Tier 1 risk-based capital ratio | 18.8238% | 1,835 |
| Total risk-based capital ratio | 20.0805% | 1,804 |
| Memoranda: | ||
| Average total assets | $123,065,670 | 4,093 |
| Average earning assets | $113,085,330 | 4,093 |
| Average equity | $11,398,670 | 4,485 |
| Average total loans | $55,014,330 | 4,614 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 5,284 |
| Cost of funding earning assets | 0.1681% | 5,787 |
| Net interest margin | 3.2011% | 4,609 |
| Noninterest income to average assets | 0.6147% | 2,577 |
| Noninterest expense to average assets | 2.3977% | 4,599 |
| Loan and lease loss provision to assets | 0.0064% | 3,628 |
| Net operating income to assets | 0.7452% | 3,564 |
| Return on assets (ROA) | 0.7724% | 3,543 |
| Pretax return on assets | 1.1940% | 2,694 |
| Return on Equity (ROE) | 8.4284% | 2,736 |
| Retained earnings to average equity (ytd only) | -5.5838% | 5,969 |
| Net charge-offs to loans | 0.1103% | 1,638 |
| Credit loss provision to net charge-offs | 13.3333% | 2,410 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,309 |
| Efficiency ratio | 67.4208% | 3,917 |
| Assets per employee ($millions) | 5.5353% | 1,769 |
| Cash dividends to net income (ytd only)* | 166.2500% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 1,375 |
| Loan loss allowance to noncurrent loans | 83.4167% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.3510% | 935 |
| Noncurrent loans to loans | 2.2288% | 1,125 |
| Net loans and leases to total assets | 43.3908% | 5,395 |
| Net loans and leases to deposits | 48.6283% | 5,540 |
| Net loans and leases to core deposits | 54.1466% | 5,358 |
| Total domestic deposits to total assets | 89.2295% | 1,126 |
| Equity capital to assets | 9.3983% | 4,857 |
| Core capital (leverage) ratio | 9.7432% | 3,964 |
| Tier 1 risk-based capital ratio | 19.3529% | 1,779 |
| Total risk-based capital ratio | 20.6062% | 1,730 |
| Memoranda: | ||
| Average total assets | $124,284,000 | 4,098 |
| Average earning assets | $114,210,500 | 4,095 |
| Average equity | $11,390,000 | 4,527 |
| Average total loans | $54,401,500 | 4,657 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,993 |
| Cost of funding earning assets | 0.1612% | 6,034 |
| Net interest margin | 3.4702% | 3,897 |
| Noninterest income to average assets | 0.4881% | 3,598 |
| Noninterest expense to average assets | 2.4326% | 4,753 |
| Loan and lease loss provision to assets | 0.0224% | 4,167 |
| Net operating income to assets | 0.7843% | 3,449 |
| Return on assets (ROA) | 0.7986% | 3,477 |
| Pretax return on assets | 1.2075% | 2,625 |
| Return on Equity (ROE) | 9.3514% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.3514% | 629 |
| Net charge-offs to loans | 0.0887% | 3,221 |
| Credit loss provision to net charge-offs | 57.1429% | 3,341 |
| Earnings coverage of net charge-offs (x) | 30.8163% | 1,309 |
| Efficiency ratio | 66.8132% | 4,089 |
| Assets per employee ($millions) | 5.7632% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 1,436 |
| Loan loss allowance to noncurrent loans | 84.7118% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 1,074 |
| Noncurrent loans to loans | 2.1779% | 1,232 |
| Net loans and leases to total assets | 42.5488% | 5,576 |
| Net loans and leases to deposits | 47.3756% | 5,721 |
| Net loans and leases to core deposits | 51.9745% | 5,616 |
| Total domestic deposits to total assets | 89.8116% | 820 |
| Equity capital to assets | 8.9399% | 5,347 |
| Core capital (leverage) ratio | 9.5795% | 4,131 |
| Tier 1 risk-based capital ratio | 19.6095% | 1,679 |
| Total risk-based capital ratio | 20.8644% | 1,644 |
| Memoranda: | ||
| Average total assets | $124,971,000 | 4,084 |
| Average earning assets | $113,538,400 | 4,099 |
| Average equity | $10,672,200 | 4,622 |
| Average total loans | $55,253,000 | 4,638 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 5,134 |
| Cost of funding earning assets | 0.1598% | 6,122 |
| Net interest margin | 3.4423% | 4,054 |
| Noninterest income to average assets | 0.5193% | 3,412 |
| Noninterest expense to average assets | 2.4435% | 4,686 |
| Loan and lease loss provision to assets | 0.0246% | 3,917 |
| Net operating income to assets | 0.7637% | 3,606 |
| Return on assets (ROA) | 0.7827% | 3,608 |
| Pretax return on assets | 1.1950% | 2,795 |
| Return on Equity (ROE) | 9.2765% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.2765% | 905 |
| Net charge-offs to loans | 0.0868% | 2,967 |
| Credit loss provision to net charge-offs | 63.8889% | 2,878 |
| Earnings coverage of net charge-offs (x) | 30.8881% | 1,345 |
| Efficiency ratio | 67.2363% | 4,001 |
| Assets per employee ($millions) | 6.0566% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 1,669 |
| Loan loss allowance to noncurrent loans | 65.7235% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.5812% | 1,000 |
| Noncurrent loans to loans | 2.7587% | 1,016 |
| Net loans and leases to total assets | 43.5151% | 5,559 |
| Net loans and leases to deposits | 48.4620% | 5,740 |
| Net loans and leases to core deposits | 52.7668% | 5,636 |
| Total domestic deposits to total assets | 89.7923% | 826 |
| Equity capital to assets | 8.7422% | 5,603 |
| Core capital (leverage) ratio | 9.5199% | 4,343 |
| Tier 1 risk-based capital ratio | 18.0952% | 2,187 |
| Total risk-based capital ratio | 19.3489% | 2,143 |
| Memoranda: | ||
| Average total assets | $124,516,000 | 4,130 |
| Average earning assets | $112,673,500 | 4,155 |
| Average equity | $10,506,500 | 4,688 |
| Average total loans | $55,325,750 | 4,678 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 5,202 |
| Cost of funding earning assets | 0.1608% | 6,191 |
| Net interest margin | 3.4207% | 4,099 |
| Noninterest income to average assets | 0.4724% | 3,690 |
| Noninterest expense to average assets | 2.4882% | 4,616 |
| Loan and lease loss provision to assets | 0.0340% | 3,609 |
| Net operating income to assets | 0.6943% | 3,874 |
| Return on assets (ROA) | 0.7232% | 3,810 |
| Pretax return on assets | 1.0904% | 3,134 |
| Return on Equity (ROE) | 8.6776% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.6776% | 1,083 |
| Net charge-offs to loans | 0.1419% | 2,253 |
| Credit loss provision to net charge-offs | 53.8462% | 2,735 |
| Earnings coverage of net charge-offs (x) | 17.1282% | 1,750 |
| Efficiency ratio | 69.7189% | 3,706 |
| Assets per employee ($millions) | 5.7246% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 1,911 |
| Loan loss allowance to noncurrent loans | 40.8926% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 3.5070% | 663 |
| Noncurrent loans to loans | 4.3378% | 514 |
| Net loans and leases to total assets | 46.8457% | 5,283 |
| Net loans and leases to deposits | 52.6121% | 5,455 |
| Net loans and leases to core deposits | 56.5649% | 5,371 |
| Total domestic deposits to total assets | 89.0397% | 1,331 |
| Equity capital to assets | 9.0121% | 5,289 |
| Core capital (leverage) ratio | 9.4089% | 4,456 |
| Tier 1 risk-based capital ratio | 17.2357% | 2,522 |
| Total risk-based capital ratio | 18.4889% | 2,482 |
| Memoranda: | ||
| Average total assets | $123,625,330 | 4,166 |
| Average earning assets | $111,907,330 | 4,190 |
| Average equity | $10,302,330 | 4,741 |
| Average total loans | $54,978,330 | 4,719 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 5,437 |
| Cost of funding earning assets | 0.1660% | 6,253 |
| Net interest margin | 3.3303% | 4,420 |
| Noninterest income to average assets | 0.4181% | 4,045 |
| Noninterest expense to average assets | 2.2820% | 5,243 |
| Loan and lease loss provision to assets | 0.0638% | 2,847 |
| Net operating income to assets | 0.7155% | 3,601 |
| Return on assets (ROA) | 0.7724% | 3,379 |
| Pretax return on assets | 1.1681% | 2,628 |
| Return on Equity (ROE) | 9.6448% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.6448% | 1,066 |
| Net charge-offs to loans | 0.2751% | 1,249 |
| Credit loss provision to net charge-offs | 54.0541% | 2,164 |
| Earnings coverage of net charge-offs (x) | 9.7027% | 1,916 |
| Efficiency ratio | 66.5736% | 4,433 |
| Assets per employee ($millions) | 6.6751% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 1,880 |
| Loan loss allowance to noncurrent loans | 59.0487% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.6666% | 1,151 |
| Noncurrent loans to loans | 3.1429% | 992 |
| Net loans and leases to total assets | 42.4476% | 5,630 |
| Net loans and leases to deposits | 46.8681% | 5,791 |
| Net loans and leases to core deposits | 50.2910% | 5,740 |
| Total domestic deposits to total assets | 90.5683% | 761 |
| Equity capital to assets | 8.1647% | 5,935 |
| Core capital (leverage) ratio | 9.1216% | 4,831 |
| Tier 1 risk-based capital ratio | 17.5252% | 2,471 |
| Total risk-based capital ratio | 18.7794% | 2,442 |
| Memoranda: | ||
| Average total assets | $125,330,000 | 4,159 |
| Average earning assets | $113,264,500 | 4,193 |
| Average equity | $10,036,500 | 4,808 |
| Average total loans | $53,801,000 | 4,798 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 5,149 |
| Cost of funding earning assets | 0.2269% | 6,126 |
| Net interest margin | 3.4682% | 4,033 |
| Noninterest income to average assets | 0.4883% | 3,830 |
| Noninterest expense to average assets | 2.6986% | 4,096 |
| Loan and lease loss provision to assets | 0.0456% | 4,207 |
| Net operating income to assets | 0.5609% | 4,453 |
| Return on assets (ROA) | 0.5700% | 4,518 |
| Pretax return on assets | 0.8588% | 3,921 |
| Return on Equity (ROE) | 6.7656% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.7656% | 1,549 |
| Net charge-offs to loans | 1.3838% | 352 |
| Credit loss provision to net charge-offs | 7.4334% | 4,617 |
| Earnings coverage of net charge-offs (x) | 1.4530% | 4,571 |
| Efficiency ratio | 75.1856% | 2,918 |
| Assets per employee ($millions) | 6.1917% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 1,643 |
| Loan loss allowance to noncurrent loans | 59.7575% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.7384% | 1,215 |
| Noncurrent loans to loans | 3.2835% | 1,004 |
| Net loans and leases to total assets | 41.7611% | 5,839 |
| Net loans and leases to deposits | 45.9815% | 6,011 |
| Net loans and leases to core deposits | 49.6505% | 5,960 |
| Total domestic deposits to total assets | 90.8215% | 649 |
| Equity capital to assets | 7.8477% | 6,118 |
| Core capital (leverage) ratio | 8.9160% | 5,122 |
| Tier 1 risk-based capital ratio | 17.0027% | 2,604 |
| Total risk-based capital ratio | 18.2576% | 2,573 |
| Memoranda: | ||
| Average total assets | $116,321,600 | 4,355 |
| Average earning assets | $104,001,000 | 4,405 |
| Average equity | $9,799,600 | 4,895 |
| Average total loans | $51,523,400 | 4,915 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 5,093 |
| Cost of funding earning assets | 0.2369% | 6,181 |
| Net interest margin | 3.4894% | 3,923 |
| Noninterest income to average assets | 0.4905% | 3,877 |
| Noninterest expense to average assets | 2.8019% | 3,657 |
| Loan and lease loss provision to assets | 0.0617% | 3,808 |
| Net operating income to assets | 0.5079% | 4,761 |
| Return on assets (ROA) | 0.5208% | 4,866 |
| Pretax return on assets | 0.7514% | 4,484 |
| Return on Equity (ROE) | 6.0691% | 4,150 |
| Retained earnings to average equity (ytd only) | 6.0691% | 2,362 |
| Net charge-offs to loans | 0.1848% | 2,749 |
| Credit loss provision to net charge-offs | 74.6479% | 2,972 |
| Earnings coverage of net charge-offs (x) | 9.6061% | 2,465 |
| Efficiency ratio | 77.9074% | 2,439 |
| Assets per employee ($millions) | 5.4838% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1851% | 461 |
| Loan loss allowance to noncurrent loans | 59.1534% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 3.3694% | 1,028 |
| Noncurrent loans to loans | 5.3844% | 518 |
| Net loans and leases to total assets | 42.2524% | 5,884 |
| Net loans and leases to deposits | 46.7854% | 6,047 |
| Net loans and leases to core deposits | 50.6423% | 5,976 |
| Total domestic deposits to total assets | 90.3112% | 837 |
| Equity capital to assets | 7.9573% | 6,175 |
| Core capital (leverage) ratio | 9.0223% | 5,096 |
| Tier 1 risk-based capital ratio | 16.4183% | 2,979 |
| Total risk-based capital ratio | 17.6840% | 2,938 |
| Memoranda: | ||
| Average total assets | $114,443,750 | 4,439 |
| Average earning assets | $101,869,000 | 4,505 |
| Average equity | $9,820,000 | 4,946 |
| Average total loans | $51,217,000 | 4,963 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 4,689 |
| Cost of funding earning assets | 0.2504% | 6,171 |
| Net interest margin | 3.5899% | 3,401 |
| Noninterest income to average assets | 0.4609% | 4,087 |
| Noninterest expense to average assets | 2.8867% | 3,371 |
| Loan and lease loss provision to assets | 0.0943% | 3,216 |
| Net operating income to assets | 0.4930% | 4,833 |
| Return on assets (ROA) | 0.4930% | 5,008 |
| Pretax return on assets | 0.6692% | 4,781 |
| Return on Equity (ROE) | 5.5997% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.5997% | 2,675 |
| Net charge-offs to loans | 0.0828% | 3,541 |
| Credit loss provision to net charge-offs | 252.3810% | 989 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,465 |
| Efficiency ratio | 79.0834% | 2,285 |
| Assets per employee ($millions) | 4.9438% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2803% | 446 |
| Loan loss allowance to noncurrent loans | 55.7277% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 3.8388% | 943 |
| Noncurrent loans to loans | 5.8864% | 501 |
| Net loans and leases to total assets | 44.7814% | 5,664 |
| Net loans and leases to deposits | 49.8317% | 5,853 |
| Net loans and leases to core deposits | 54.2279% | 5,739 |
| Total domestic deposits to total assets | 89.8653% | 1,108 |
| Equity capital to assets | 8.2905% | 5,979 |
| Core capital (leverage) ratio | 8.7533% | 5,354 |
| Tier 1 risk-based capital ratio | 15.9747% | 3,208 |
| Total risk-based capital ratio | 17.2433% | 3,141 |
| Memoranda: | ||
| Average total assets | $112,377,000 | 4,527 |
| Average earning assets | $99,836,000 | 4,588 |
| Average equity | $9,893,330 | 4,971 |
| Average total loans | $50,738,670 | 4,996 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 4,699 |
| Cost of funding earning assets | 0.2595% | 6,226 |
| Net interest margin | 3.5757% | 3,361 |
| Noninterest income to average assets | 0.3688% | 4,720 |
| Noninterest expense to average assets | 2.6891% | 4,110 |
| Loan and lease loss provision to assets | 0.1755% | 2,111 |
| Net operating income to assets | 0.4905% | 4,719 |
| Return on assets (ROA) | 0.4905% | 4,874 |
| Pretax return on assets | 0.6624% | 4,740 |
| Return on Equity (ROE) | 5.4115% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.4115% | 3,000 |
| Net charge-offs to loans | 0.1527% | 2,484 |
| Credit loss provision to net charge-offs | 257.8947% | 900 |
| Earnings coverage of net charge-offs (x) | 12.3158% | 1,605 |
| Efficiency ratio | 76.2437% | 2,883 |
| Assets per employee ($millions) | 5.0520% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4370% | 444 |
| Loan loss allowance to noncurrent loans | 51.9422% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 4.4789% | 834 |
| Noncurrent loans to loans | 6.6170% | 480 |
| Net loans and leases to total assets | 43.6051% | 5,705 |
| Net loans and leases to deposits | 49.1212% | 5,845 |
| Net loans and leases to core deposits | 53.6160% | 5,697 |
| Total domestic deposits to total assets | 88.7703% | 1,819 |
| Equity capital to assets | 9.1405% | 5,321 |
| Core capital (leverage) ratio | 9.2408% | 4,494 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,938 |
| Total risk-based capital ratio | 17.8934% | 2,897 |
| Memoranda: | ||
| Average total assets | $111,711,500 | 4,583 |
| Average earning assets | $98,665,000 | 4,663 |
| Average equity | $10,126,500 | 4,960 |
| Average total loans | $49,784,500 | 5,066 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 4,848 |
| Cost of funding earning assets | 0.4039% | 5,892 |
| Net interest margin | 3.7241% | 3,546 |
| Noninterest income to average assets | 0.3042% | 5,269 |
| Noninterest expense to average assets | 2.9604% | 3,424 |
| Loan and lease loss provision to assets | -0.2395% | 6,996 |
| Net operating income to assets | 0.6324% | 4,077 |
| Return on assets (ROA) | 0.6324% | 4,344 |
| Pretax return on assets | 0.7792% | 4,367 |
| Return on Equity (ROE) | 6.6438% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.6438% | 1,746 |
| Net charge-offs to loans | 0.0082% | 5,835 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | 139.7500% | 299 |
| Efficiency ratio | 84.5793% | 1,563 |
| Assets per employee ($millions) | 5.1036% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4326% | 453 |
| Loan loss allowance to noncurrent loans | 71.8525% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 3.6320% | 1,231 |
| Noncurrent loans to loans | 4.7772% | 861 |
| Net loans and leases to total assets | 42.4697% | 5,949 |
| Net loans and leases to deposits | 47.7791% | 6,123 |
| Net loans and leases to core deposits | 51.5263% | 6,048 |
| Total domestic deposits to total assets | 88.8876% | 1,646 |
| Equity capital to assets | 8.9900% | 5,535 |
| Core capital (leverage) ratio | 9.4690% | 4,151 |
| Tier 1 risk-based capital ratio | 16.7492% | 2,772 |
| Total risk-based capital ratio | 18.0181% | 2,728 |
| Memoranda: | ||
| Average total assets | $103,566,400 | 4,743 |
| Average earning assets | $88,881,200 | 4,901 |
| Average equity | $9,858,800 | 5,005 |
| Average total loans | $49,022,000 | 5,142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 4,732 |
| Cost of funding earning assets | 0.4455% | 5,827 |
| Net interest margin | 3.7780% | 3,429 |
| Noninterest income to average assets | 0.1276% | 6,497 |
| Noninterest expense to average assets | 2.9825% | 3,294 |
| Loan and lease loss provision to assets | -0.3274% | 7,126 |
| Net operating income to assets | 0.5365% | 4,676 |
| Return on assets (ROA) | 0.5365% | 4,948 |
| Pretax return on assets | 0.6957% | 4,877 |
| Return on Equity (ROE) | 5.5509% | 4,573 |
| Retained earnings to average equity (ytd only) | 5.5509% | 3,004 |
| Net charge-offs to loans | 0.0109% | 5,558 |
| Credit loss provision to net charge-offs | -6,225.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | 70.0413% | 583 |
| Efficiency ratio | 89.0110% | 1,114 |
| Assets per employee ($millions) | 4.4420% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4724% | 478 |
| Loan loss allowance to noncurrent loans | 55.7971% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 5.1074% | 864 |
| Noncurrent loans to loans | 6.2234% | 635 |
| Net loans and leases to total assets | 46.0917% | 5,754 |
| Net loans and leases to deposits | 52.4236% | 5,947 |
| Net loans and leases to core deposits | 54.7342% | 5,988 |
| Total domestic deposits to total assets | 87.9216% | 2,090 |
| Equity capital to assets | 9.8536% | 4,704 |
| Core capital (leverage) ratio | 9.8111% | 3,801 |
| Tier 1 risk-based capital ratio | 16.6702% | 2,912 |
| Total risk-based capital ratio | 17.9392% | 2,864 |
| Memoranda: | ||
| Average total assets | $101,388,000 | 4,846 |
| Average earning assets | $86,498,000 | 5,000 |
| Average equity | $9,800,000 | 5,075 |
| Average total loans | $48,932,500 | 5,204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 4,593 |
| Cost of funding earning assets | 0.4823% | 5,740 |
| Net interest margin | 3.8119% | 3,307 |
| Noninterest income to average assets | 0.8227% | 2,084 |
| Noninterest expense to average assets | 3.2117% | 2,553 |
| Loan and lease loss provision to assets | 0.0020% | 5,613 |
| Net operating income to assets | 0.6269% | 4,242 |
| Return on assets (ROA) | 0.6269% | 4,490 |
| Pretax return on assets | 0.8445% | 4,299 |
| Return on Equity (ROE) | 6.5287% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.5287% | 2,372 |
| Net charge-offs to loans | 0.0245% | 5,046 |
| Credit loss provision to net charge-offs | 16.6667% | 4,658 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 564 |
| Efficiency ratio | 79.1423% | 2,304 |
| Assets per employee ($millions) | 4.6310% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9828% | 350 |
| Loan loss allowance to noncurrent loans | 92.6969% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 5.3945% | 840 |
| Noncurrent loans to loans | 4.2966% | 1,256 |
| Net loans and leases to total assets | 45.9536% | 5,828 |
| Net loans and leases to deposits | 52.2173% | 6,013 |
| Net loans and leases to core deposits | 54.5181% | 6,057 |
| Total domestic deposits to total assets | 88.0046% | 2,136 |
| Equity capital to assets | 9.7418% | 4,703 |
| Core capital (leverage) ratio | 9.7811% | 3,740 |
| Tier 1 risk-based capital ratio | 16.5906% | 2,863 |
| Total risk-based capital ratio | 17.8644% | 2,811 |
| Memoranda: | ||
| Average total assets | $101,128,670 | 4,879 |
| Average earning assets | $85,836,330 | 5,052 |
| Average equity | $9,711,000 | 5,105 |
| Average total loans | $48,982,000 | 5,233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 4,561 |
| Cost of funding earning assets | 0.5337% | 5,592 |
| Net interest margin | 3.8069% | 3,366 |
| Noninterest income to average assets | 0.8814% | 1,828 |
| Noninterest expense to average assets | 3.1801% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6630% | 4,065 |
| Return on assets (ROA) | 0.6630% | 4,278 |
| Pretax return on assets | 0.9012% | 4,026 |
| Return on Equity (ROE) | 6.9554% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.9554% | 2,458 |
| Net charge-offs to loans | 0.0489% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 778 |
| Efficiency ratio | 77.9183% | 2,507 |
| Assets per employee ($millions) | 4.6621% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0386% | 357 |
| Loan loss allowance to noncurrent loans | 91.8165% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 5.6217% | 862 |
| Noncurrent loans to loans | 4.3986% | 1,339 |
| Net loans and leases to total assets | 44.9657% | 5,899 |
| Net loans and leases to deposits | 51.0403% | 6,066 |
| Net loans and leases to core deposits | 54.3990% | 6,030 |
| Total domestic deposits to total assets | 88.0985% | 2,253 |
| Equity capital to assets | 9.4270% | 4,908 |
| Core capital (leverage) ratio | 9.7842% | 3,667 |
| Tier 1 risk-based capital ratio | 16.0025% | 3,175 |
| Total risk-based capital ratio | 17.2758% | 3,127 |
| Memoranda: | ||
| Average total assets | $100,752,500 | 4,922 |
| Average earning assets | $84,689,000 | 5,122 |
| Average equity | $9,604,000 | 5,145 |
| Average total loans | $49,093,000 | 5,262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 4,214 |
| Cost of funding earning assets | 0.6269% | 5,945 |
| Net interest margin | 4.0798% | 2,529 |
| Noninterest income to average assets | 1.0375% | 1,259 |
| Noninterest expense to average assets | 3.4636% | 2,080 |
| Loan and lease loss provision to assets | 0.2662% | 3,556 |
| Net operating income to assets | 0.6064% | 3,972 |
| Return on assets (ROA) | 0.6131% | 4,114 |
| Pretax return on assets | 0.7671% | 4,091 |
| Return on Equity (ROE) | 6.1175% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.1175% | 1,950 |
| Net charge-offs to loans | 0.0272% | 6,047 |
| Credit loss provision to net charge-offs | 1,814.2857% | 126 |
| Earnings coverage of net charge-offs (x) | 69.8571% | 425 |
| Efficiency ratio | 77.1655% | 2,719 |
| Assets per employee ($millions) | 4.4972% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8843% | 411 |
| Loan loss allowance to noncurrent loans | 90.6003% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 5.8895% | 841 |
| Noncurrent loans to loans | 4.2873% | 1,423 |
| Net loans and leases to total assets | 48.6951% | 5,752 |
| Net loans and leases to deposits | 55.3395% | 5,946 |
| Net loans and leases to core deposits | 59.2975% | 5,907 |
| Total domestic deposits to total assets | 87.9935% | 2,160 |
| Equity capital to assets | 9.6414% | 4,684 |
| Core capital (leverage) ratio | 9.7256% | 3,710 |
| Tier 1 risk-based capital ratio | 15.4439% | 3,366 |
| Total risk-based capital ratio | 16.7167% | 3,308 |
| Memoranda: | ||
| Average total assets | $95,421,200 | 5,028 |
| Average earning assets | $80,715,400 | 5,207 |
| Average equity | $9,562,800 | 5,133 |
| Average total loans | $51,483,800 | 5,216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 4,077 |
| Cost of funding earning assets | 0.6301% | 6,130 |
| Net interest margin | 4.1573% | 2,252 |
| Noninterest income to average assets | 1.0817% | 1,145 |
| Noninterest expense to average assets | 3.6047% | 1,700 |
| Loan and lease loss provision to assets | 0.3582% | 2,716 |
| Net operating income to assets | 0.5251% | 4,432 |
| Return on assets (ROA) | 0.5345% | 4,577 |
| Pretax return on assets | 0.6473% | 4,654 |
| Return on Equity (ROE) | 5.2809% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.2809% | 3,003 |
| Net charge-offs to loans | 0.0386% | 5,607 |
| Credit loss provision to net charge-offs | 1,693.3333% | 162 |
| Earnings coverage of net charge-offs (x) | 46.9990% | 681 |
| Efficiency ratio | 78.3809% | 2,496 |
| Assets per employee ($millions) | 4.6165% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9001% | 426 |
| Loan loss allowance to noncurrent loans | 89.8016% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 5.8200% | 935 |
| Noncurrent loans to loans | 4.3430% | 1,502 |
| Net loans and leases to total assets | 47.2121% | 6,034 |
| Net loans and leases to deposits | 53.3964% | 6,259 |
| Net loans and leases to core deposits | 56.7382% | 6,250 |
| Total domestic deposits to total assets | 88.4180% | 1,799 |
| Equity capital to assets | 9.7673% | 4,674 |
| Core capital (leverage) ratio | 10.1331% | 3,269 |
| Tier 1 risk-based capital ratio | 15.2820% | 3,502 |
| Total risk-based capital ratio | 16.5549% | 3,461 |
| Memoranda: | ||
| Average total assets | $94,542,000 | 5,089 |
| Average earning assets | $79,986,250 | 5,270 |
| Average equity | $9,568,750 | 5,163 |
| Average total loans | $51,823,500 | 5,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 3,437 |
| Cost of funding earning assets | 0.6459% | 6,245 |
| Net interest margin | 4.2949% | 1,679 |
| Noninterest income to average assets | 1.3210% | 723 |
| Noninterest expense to average assets | 3.6529% | 1,618 |
| Loan and lease loss provision to assets | 0.5488% | 1,767 |
| Net operating income to assets | 0.5913% | 4,101 |
| Return on assets (ROA) | 0.6052% | 4,177 |
| Pretax return on assets | 0.7570% | 4,186 |
| Return on Equity (ROE) | 5.9037% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.9037% | 2,488 |
| Net charge-offs to loans | 0.0305% | 5,415 |
| Credit loss provision to net charge-offs | 3,162.5000% | 100 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 461 |
| Efficiency ratio | 73.9245% | 3,370 |
| Assets per employee ($millions) | 4.0471% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7392% | 498 |
| Loan loss allowance to noncurrent loans | 90.3286% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 6.5983% | 806 |
| Noncurrent loans to loans | 4.1395% | 1,648 |
| Net loans and leases to total assets | 53.9856% | 5,300 |
| Net loans and leases to deposits | 61.7051% | 5,536 |
| Net loans and leases to core deposits | 64.4579% | 5,679 |
| Total domestic deposits to total assets | 87.4898% | 2,474 |
| Equity capital to assets | 10.4454% | 3,580 |
| Core capital (leverage) ratio | 10.3052% | 2,932 |
| Tier 1 risk-based capital ratio | 14.5995% | 3,728 |
| Total risk-based capital ratio | 15.8717% | 3,679 |
| Memoranda: | ||
| Average total assets | $92,201,670 | 5,203 |
| Average earning assets | $77,719,670 | 5,375 |
| Average equity | $9,451,670 | 5,199 |
| Average total loans | $52,466,000 | 5,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 3,318 |
| Cost of funding earning assets | 0.6693% | 6,301 |
| Net interest margin | 4.2833% | 1,608 |
| Noninterest income to average assets | 0.6757% | 2,699 |
| Noninterest expense to average assets | 3.6879% | 1,558 |
| Loan and lease loss provision to assets | 0.0044% | 5,810 |
| Net operating income to assets | 0.5149% | 4,434 |
| Return on assets (ROA) | 0.5405% | 4,393 |
| Pretax return on assets | 0.6408% | 4,532 |
| Return on Equity (ROE) | 5.3242% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.3242% | 2,989 |
| Net charge-offs to loans | 0.0152% | 4,868 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 434 |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 4.0473% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2661% | 732 |
| Loan loss allowance to noncurrent loans | 75.9573% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 7.5157% | 669 |
| Noncurrent loans to loans | 4.3000% | 1,651 |
| Net loans and leases to total assets | 56.7464% | 4,863 |
| Net loans and leases to deposits | 64.8930% | 5,145 |
| Net loans and leases to core deposits | 68.5539% | 5,222 |
| Total domestic deposits to total assets | 87.4461% | 2,687 |
| Equity capital to assets | 10.5548% | 3,122 |
| Core capital (leverage) ratio | 10.5355% | 2,575 |
| Tier 1 risk-based capital ratio | 14.0427% | 4,047 |
| Total risk-based capital ratio | 15.3094% | 4,012 |
| Memoranda: | ||
| Average total assets | $91,760,500 | 5,247 |
| Average earning assets | $77,696,500 | 5,422 |
| Average equity | $9,316,000 | 5,228 |
| Average total loans | $52,597,000 | 5,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 4,376 |
| Cost of funding earning assets | 0.8203% | 6,479 |
| Net interest margin | 4.2169% | 2,118 |
| Noninterest income to average assets | 0.8591% | 2,018 |
| Noninterest expense to average assets | 3.7292% | 1,632 |
| Loan and lease loss provision to assets | 0.1326% | 5,851 |
| Net operating income to assets | 0.5046% | 4,078 |
| Return on assets (ROA) | 0.5046% | 4,238 |
| Pretax return on assets | 0.5631% | 4,439 |
| Return on Equity (ROE) | 5.6780% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.6780% | 1,999 |
| Net charge-offs to loans | 1.7343% | 1,246 |
| Credit loss provision to net charge-offs | 13.1902% | 6,595 |
| Earnings coverage of net charge-offs (x) | 0.6922% | 5,418 |
| Efficiency ratio | 84.2778% | 1,887 |
| Assets per employee ($millions) | 4.2946% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2231% | 722 |
| Loan loss allowance to noncurrent loans | 74.0243% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 7.4586% | 699 |
| Noncurrent loans to loans | 4.3541% | 1,656 |
| Net loans and leases to total assets | 54.2479% | 5,605 |
| Net loans and leases to deposits | 61.6745% | 5,877 |
| Net loans and leases to core deposits | 64.6200% | 6,007 |
| Total domestic deposits to total assets | 87.9584% | 2,271 |
| Equity capital to assets | 9.7734% | 4,027 |
| Core capital (leverage) ratio | 9.9125% | 3,191 |
| Tier 1 risk-based capital ratio | 13.8508% | 3,963 |
| Total risk-based capital ratio | 15.1238% | 3,932 |
| Memoranda: | ||
| Average total assets | $97,313,000 | 5,069 |
| Average earning assets | $82,287,400 | 5,264 |
| Average equity | $8,647,400 | 5,515 |
| Average total loans | $56,391,200 | 5,218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 4,376 |
| Cost of funding earning assets | 0.8600% | 6,545 |
| Net interest margin | 4.2289% | 2,109 |
| Noninterest income to average assets | 0.8733% | 1,897 |
| Noninterest expense to average assets | 3.8317% | 1,315 |
| Loan and lease loss provision to assets | 0.1755% | 5,287 |
| Net operating income to assets | 0.4190% | 4,663 |
| Return on assets (ROA) | 0.4190% | 4,841 |
| Pretax return on assets | 0.4380% | 5,118 |
| Return on Equity (ROE) | 4.8309% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.8309% | 3,103 |
| Net charge-offs to loans | 2.2521% | 792 |
| Credit loss provision to net charge-offs | 13.3402% | 6,306 |
| Earnings coverage of net charge-offs (x) | 0.4664% | 5,558 |
| Efficiency ratio | 86.1995% | 1,613 |
| Assets per employee ($millions) | 4.3504% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1553% | 730 |
| Loan loss allowance to noncurrent loans | 53.5870% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 7.4821% | 700 |
| Noncurrent loans to loans | 5.8882% | 1,084 |
| Net loans and leases to total assets | 55.0941% | 5,683 |
| Net loans and leases to deposits | 63.3721% | 5,986 |
| Net loans and leases to core deposits | 66.1448% | 6,111 |
| Total domestic deposits to total assets | 86.9375% | 2,568 |
| Equity capital to assets | 9.2666% | 5,192 |
| Core capital (leverage) ratio | 9.1976% | 4,374 |
| Tier 1 risk-based capital ratio | 13.1049% | 4,500 |
| Total risk-based capital ratio | 14.3715% | 4,459 |
| Memoranda: | ||
| Average total assets | $98,021,000 | 5,111 |
| Average earning assets | $82,792,500 | 5,314 |
| Average equity | $8,500,750 | 5,623 |
| Average total loans | $57,248,750 | 5,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 4,451 |
| Cost of funding earning assets | 0.8954% | 6,599 |
| Net interest margin | 4.2051% | 2,143 |
| Noninterest income to average assets | 0.9353% | 1,564 |
| Noninterest expense to average assets | 3.9254% | 1,147 |
| Loan and lease loss provision to assets | 0.2591% | 4,342 |
| Net operating income to assets | 0.3300% | 5,064 |
| Return on assets (ROA) | 0.3300% | 5,225 |
| Pretax return on assets | 0.2875% | 5,532 |
| Return on Equity (ROE) | 3.8911% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.8911% | 3,612 |
| Net charge-offs to loans | 3.3240% | 450 |
| Credit loss provision to net charge-offs | 13.2368% | 5,909 |
| Earnings coverage of net charge-offs (x) | 0.2792% | 5,449 |
| Efficiency ratio | 87.7773% | 1,531 |
| Assets per employee ($millions) | 4.4161% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0340% | 799 |
| Loan loss allowance to noncurrent loans | 56.9108% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 7.2884% | 709 |
| Noncurrent loans to loans | 5.3311% | 1,257 |
| Net loans and leases to total assets | 56.4825% | 5,626 |
| Net loans and leases to deposits | 65.3048% | 5,890 |
| Net loans and leases to core deposits | 68.6779% | 6,002 |
| Total domestic deposits to total assets | 86.4905% | 2,826 |
| Equity capital to assets | 8.8046% | 5,747 |
| Core capital (leverage) ratio | 8.9133% | 4,734 |
| Tier 1 risk-based capital ratio | 12.0379% | 5,276 |
| Total risk-based capital ratio | 13.2991% | 5,234 |
| Memoranda: | ||
| Average total assets | $98,791,670 | 5,118 |
| Average earning assets | $83,089,000 | 5,333 |
| Average equity | $8,378,000 | 5,671 |
| Average total loans | $58,182,330 | 5,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 4,636 |
| Cost of funding earning assets | 0.9139% | 6,716 |
| Net interest margin | 4.1647% | 2,174 |
| Noninterest income to average assets | 0.8674% | 1,746 |
| Noninterest expense to average assets | 3.5418% | 1,872 |
| Loan and lease loss provision to assets | 0.5060% | 2,468 |
| Net operating income to assets | 0.1968% | 5,701 |
| Return on assets (ROA) | 0.1968% | 5,818 |
| Pretax return on assets | 0.3333% | 5,514 |
| Return on Equity (ROE) | 2.3643% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.3643% | 4,721 |
| Net charge-offs to loans | 3.5946% | 387 |
| Credit loss provision to net charge-offs | 23.7736% | 4,905 |
| Earnings coverage of net charge-offs (x) | 0.3943% | 4,681 |
| Efficiency ratio | 80.8433% | 2,433 |
| Assets per employee ($millions) | 4.6069% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7237% | 463 |
| Loan loss allowance to noncurrent loans | 66.2766% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 7.4305% | 693 |
| Noncurrent loans to loans | 5.6184% | 1,225 |
| Net loans and leases to total assets | 54.8978% | 5,906 |
| Net loans and leases to deposits | 63.1806% | 6,150 |
| Net loans and leases to core deposits | 65.9375% | 6,285 |
| Total domestic deposits to total assets | 86.8902% | 2,682 |
| Equity capital to assets | 8.2248% | 6,401 |
| Core capital (leverage) ratio | 8.9685% | 4,622 |
| Tier 1 risk-based capital ratio | 12.0617% | 5,137 |
| Total risk-based capital ratio | 13.3352% | 5,072 |
| Memoranda: | ||
| Average total assets | $99,610,500 | 5,162 |
| Average earning assets | $84,039,500 | 5,360 |
| Average equity | $8,290,000 | 5,741 |
| Average total loans | $58,977,500 | 5,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 6,094 |
| Cost of funding earning assets | 1.1540% | 6,812 |
| Net interest margin | 3.9438% | 3,106 |
| Noninterest income to average assets | 0.7873% | 2,468 |
| Noninterest expense to average assets | 3.2077% | 3,349 |
| Loan and lease loss provision to assets | 4.8851% | 209 |
| Net operating income to assets | -2.1612% | 7,152 |
| Return on assets (ROA) | -2.1612% | 7,150 |
| Pretax return on assets | -3.8309% | 7,489 |
| Return on Equity (ROE) | -26.0617% | 7,316 |
| Retained earnings to average equity (ytd only) | -26.0617% | 7,289 |
| Net charge-offs to loans | 7.2387% | 107 |
| Credit loss provision to net charge-offs | 107.5232% | 5,157 |
| Earnings coverage of net charge-offs (x) | 0.2320% | 5,896 |
| Efficiency ratio | 75.2647% | 3,660 |
| Assets per employee ($millions) | 4.4486% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2485% | 303 |
| Loan loss allowance to noncurrent loans | 51.0893% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 8.3888% | 509 |
| Noncurrent loans to loans | 8.3157% | 582 |
| Net loans and leases to total assets | 58.8613% | 5,506 |
| Net loans and leases to deposits | 71.9108% | 5,345 |
| Net loans and leases to core deposits | 82.8627% | 5,828 |
| Total domestic deposits to total assets | 81.8533% | 5,011 |
| Equity capital to assets | 8.4235% | 6,023 |
| Core capital (leverage) ratio | 8.5223% | 5,245 |
| Tier 1 risk-based capital ratio | 11.9319% | 5,005 |
| Total risk-based capital ratio | 13.2080% | 4,932 |
| Memoranda: | ||
| Average total assets | $104,154,400 | 4,978 |
| Average earning assets | $91,764,600 | 5,065 |
| Average equity | $8,637,200 | 5,722 |
| Average total loans | $65,371,000 | 5,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 6,381 |
| Cost of funding earning assets | 1.1947% | 6,906 |
| Net interest margin | 3.8749% | 3,322 |
| Noninterest income to average assets | 0.7529% | 2,694 |
| Noninterest expense to average assets | 3.1363% | 3,513 |
| Loan and lease loss provision to assets | 4.4164% | 233 |
| Net operating income to assets | -1.8790% | 7,265 |
| Return on assets (ROA) | -1.8790% | 7,270 |
| Pretax return on assets | -3.3558% | 7,583 |
| Return on Equity (ROE) | -22.7419% | 7,461 |
| Retained earnings to average equity (ytd only) | -22.7419% | 7,430 |
| Net charge-offs to loans | 7.2091% | 99 |
| Credit loss provision to net charge-offs | 97.1429% | 5,259 |
| Earnings coverage of net charge-offs (x) | 0.2333% | 5,783 |
| Efficiency ratio | 74.7296% | 3,734 |
| Assets per employee ($millions) | 4.6801% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2597% | 522 |
| Loan loss allowance to noncurrent loans | 36.6672% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 7.6678% | 576 |
| Noncurrent loans to loans | 8.8898% | 508 |
| Net loans and leases to total assets | 60.4440% | 5,514 |
| Net loans and leases to deposits | 73.5273% | 5,442 |
| Net loans and leases to core deposits | 90.8195% | 5,360 |
| Total domestic deposits to total assets | 82.2062% | 4,582 |
| Equity capital to assets | 8.7925% | 5,810 |
| Core capital (leverage) ratio | 9.2341% | 4,285 |
| Tier 1 risk-based capital ratio | 12.2525% | 4,743 |
| Total risk-based capital ratio | 13.5193% | 4,672 |
| Memoranda: | ||
| Average total assets | $105,725,750 | 4,963 |
| Average earning assets | $93,969,750 | 5,038 |
| Average equity | $8,735,500 | 5,742 |
| Average total loans | $66,673,000 | 5,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 6,677 |
| Cost of funding earning assets | 1.2347% | 7,004 |
| Net interest margin | 3.7943% | 3,575 |
| Noninterest income to average assets | 0.7483% | 2,713 |
| Noninterest expense to average assets | 3.2312% | 3,229 |
| Loan and lease loss provision to assets | 6.1812% | 123 |
| Net operating income to assets | -3.0231% | 7,678 |
| Return on assets (ROA) | -3.0231% | 7,677 |
| Pretax return on assets | -5.2754% | 7,896 |
| Return on Equity (ROE) | -37.3595% | 7,818 |
| Retained earnings to average equity (ytd only) | -37.3595% | 7,802 |
| Net charge-offs to loans | 10.6770% | 47 |
| Credit loss provision to net charge-offs | 91.5301% | 4,877 |
| Earnings coverage of net charge-offs (x) | 0.1341% | 5,534 |
| Efficiency ratio | 78.1052% | 3,333 |
| Assets per employee ($millions) | 4.7390% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9071% | 611 |
| Loan loss allowance to noncurrent loans | 36.7035% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 7.0393% | 598 |
| Noncurrent loans to loans | 7.9204% | 560 |
| Net loans and leases to total assets | 60.7067% | 5,567 |
| Net loans and leases to deposits | 74.4460% | 5,387 |
| Net loans and leases to core deposits | 92.9479% | 5,240 |
| Total domestic deposits to total assets | 81.5446% | 4,883 |
| Equity capital to assets | 8.3515% | 6,264 |
| Core capital (leverage) ratio | 9.2827% | 4,193 |
| Tier 1 risk-based capital ratio | 11.7978% | 5,108 |
| Total risk-based capital ratio | 13.0617% | 5,003 |
| Memoranda: | ||
| Average total assets | $106,646,670 | 4,972 |
| Average earning assets | $95,248,670 | 5,032 |
| Average equity | $8,629,670 | 5,804 |
| Average total loans | $67,453,330 | 5,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 7,013 |
| Cost of funding earning assets | 1.2691% | 7,120 |
| Net interest margin | 3.7003% | 3,891 |
| Noninterest income to average assets | 0.7604% | 2,538 |
| Noninterest expense to average assets | 2.9747% | 3,874 |
| Loan and lease loss provision to assets | 4.2284% | 216 |
| Net operating income to assets | -1.8509% | 7,612 |
| Return on assets (ROA) | -1.8509% | 7,616 |
| Pretax return on assets | -3.1120% | 7,781 |
| Return on Equity (ROE) | -23.2336% | 7,814 |
| Retained earnings to average equity (ytd only) | -23.2336% | 7,727 |
| Net charge-offs to loans | 5.2896% | 192 |
| Credit loss provision to net charge-offs | 125.6891% | 3,162 |
| Earnings coverage of net charge-offs (x) | 0.3319% | 4,713 |
| Efficiency ratio | 72.7108% | 4,056 |
| Assets per employee ($millions) | 4.5133% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6298% | 289 |
| Loan loss allowance to noncurrent loans | 37.0094% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 8.0062% | 370 |
| Noncurrent loans to loans | 9.8077% | 308 |
| Net loans and leases to total assets | 62.2270% | 5,281 |
| Net loans and leases to deposits | 78.4313% | 4,856 |
| Net loans and leases to core deposits | 95.7020% | 5,002 |
| Total domestic deposits to total assets | 79.3395% | 5,596 |
| Equity capital to assets | 8.5033% | 6,065 |
| Core capital (leverage) ratio | 8.9316% | 4,820 |
| Tier 1 risk-based capital ratio | 11.9380% | 5,013 |
| Total risk-based capital ratio | 13.2057% | 4,904 |
| Memoranda: | ||
| Average total assets | $107,841,500 | 4,958 |
| Average earning assets | $97,074,000 | 5,001 |
| Average equity | $8,591,000 | 5,851 |
| Average total loans | $68,587,000 | 5,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8430% | 6,286 |
| Cost of funding earning assets | 1.6210% | 7,402 |
| Net interest margin | 4.2220% | 2,218 |
| Noninterest income to average assets | 0.6372% | 3,579 |
| Noninterest expense to average assets | 2.4825% | 6,080 |
| Loan and lease loss provision to assets | 1.0318% | 1,418 |
| Net operating income to assets | 0.7363% | 3,735 |
| Return on assets (ROA) | 0.7436% | 3,542 |
| Pretax return on assets | 1.0402% | 3,237 |
| Return on Equity (ROE) | 8.8981% | 2,677 |
| Retained earnings to average equity (ytd only) | 0.9378% | 4,666 |
| Net charge-offs to loans | 0.0847% | 5,552 |
| Credit loss provision to net charge-offs | 1,940.3509% | 233 |
| Earnings coverage of net charge-offs (x) | 38.7719% | 966 |
| Efficiency ratio | 54.6294% | 7,195 |
| Assets per employee ($millions) | 4.6615% | 2,382 |
| Cash dividends to net income (ytd only)* | 89.4605% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1364% | 389 |
| Loan loss allowance to noncurrent loans | 33.7165% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 6.7977% | 393 |
| Noncurrent loans to loans | 9.3022% | 242 |
| Net loans and leases to total assets | 60.7324% | 5,803 |
| Net loans and leases to deposits | 79.4530% | 5,142 |
| Net loans and leases to core deposits | 92.1038% | 5,630 |
| Total domestic deposits to total assets | 76.4382% | 6,135 |
| Equity capital to assets | 7.4681% | 7,409 |
| Core capital (leverage) ratio | 7.8894% | 6,669 |
| Tier 1 risk-based capital ratio | 11.0491% | 5,681 |
| Total risk-based capital ratio | 12.3164% | 5,553 |
| Memoranda: | ||
| Average total assets | $107,188,200 | 4,853 |
| Average earning assets | $99,195,000 | 4,825 |
| Average equity | $8,957,000 | 5,750 |
| Average total loans | $67,293,800 | 4,968 |