Home > Security Trust & Savings Bank > Performance and Condition Ratios
Security Trust & Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 3,339 |
| Cost of funding earning assets | 2.4020% | 459 |
| Net interest margin | 1.9610% | 4,422 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.3697% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5870% | 3,467 |
| Return on assets (ROA) | 0.5974% | 3,440 |
| Pretax return on assets | 0.6330% | 3,580 |
| Return on Equity (ROE) | 8.5800% | 2,872 |
| Retained earnings to average equity (ytd only) | 2.8554% | 3,328 |
| Net charge-offs to loans | -0.0173% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.3878% | 2,181 |
| Assets per employee ($millions) | 12.5810% | 359 |
| Cash dividends to net income (ytd only)* | 66.7067% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,187 |
| Loan loss allowance to noncurrent loans | 30,825.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 3,847 |
| Noncurrent loans to loans | 0.0047% | 3,754 |
| Net loans and leases to total assets | 31.6000% | 4,260 |
| Net loans and leases to deposits | 34.4286% | 4,296 |
| Net loans and leases to core deposits | 36.2245% | 4,340 |
| Total domestic deposits to total assets | 91.7900% | 340 |
| Equity capital to assets | 8.0257% | 3,400 |
| Core capital (leverage) ratio | 9.6573% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4761% | 295 |
| Memoranda: | ||
| Average total assets | $278,523,600 | 2,534 |
| Average earning assets | $271,194,400 | 2,459 |
| Average equity | $19,401,800 | 2,914 |
| Average total loans | $80,992,600 | 3,392 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,361 |
| Cost of funding earning assets | 2.2656% | 440 |
| Net interest margin | 1.9944% | 4,442 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.3640% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6229% | 3,486 |
| Return on assets (ROA) | 0.6305% | 3,465 |
| Pretax return on assets | 0.6702% | 3,606 |
| Return on Equity (ROE) | 9.3900% | 2,831 |
| Retained earnings to average equity (ytd only) | 5.0936% | 2,901 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9669% | 2,282 |
| Assets per employee ($millions) | 13.8253% | 253 |
| Cash dividends to net income (ytd only)* | 45.7271% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,257 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 28.5000% | 4,340 |
| Net loans and leases to deposits | 30.5355% | 4,372 |
| Net loans and leases to core deposits | 31.9526% | 4,367 |
| Total domestic deposits to total assets | 93.3400% | 258 |
| Equity capital to assets | 6.4154% | 3,857 |
| Core capital (leverage) ratio | 9.7150% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6951% | 287 |
| Memoranda: | ||
| Average total assets | $282,104,500 | 2,513 |
| Average earning assets | $274,768,250 | 2,446 |
| Average equity | $18,951,250 | 2,942 |
| Average total loans | $80,060,500 | 3,412 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,260 |
| Cost of funding earning assets | 2.1427% | 380 |
| Net interest margin | 2.0749% | 4,468 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.3459% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7076% | 3,331 |
| Return on assets (ROA) | 0.7149% | 3,310 |
| Pretax return on assets | 0.7635% | 3,479 |
| Return on Equity (ROE) | 10.4900% | 2,557 |
| Retained earnings to average equity (ytd only) | 4.1849% | 3,165 |
| Net charge-offs to loans | -0.0100% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.7681% | 2,616 |
| Assets per employee ($millions) | 12.7208% | 320 |
| Cash dividends to net income (ytd only)* | 60.0985% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 921 |
| Loan loss allowance to noncurrent loans | 615.3110% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 2,993 |
| Noncurrent loans to loans | 0.2613% | 2,222 |
| Net loans and leases to total assets | 29.4600% | 4,341 |
| Net loans and leases to deposits | 31.7716% | 4,376 |
| Net loans and leases to core deposits | 33.2516% | 4,369 |
| Total domestic deposits to total assets | 92.7200% | 296 |
| Equity capital to assets | 7.1080% | 3,734 |
| Core capital (leverage) ratio | 9.0460% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4176% | 284 |
| Memoranda: | ||
| Average total assets | $283,971,000 | 2,509 |
| Average earning assets | $277,028,667 | 2,442 |
| Average equity | $19,355,333 | 2,916 |
| Average total loans | $80,090,000 | 3,415 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,695 |
| Cost of funding earning assets | 1.9962% | 298 |
| Net interest margin | 1.8940% | 4,588 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.3024% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5739% | 3,739 |
| Return on assets (ROA) | 0.5814% | 3,694 |
| Pretax return on assets | 0.6361% | 3,783 |
| Return on Equity (ROE) | 8.7000% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.7005% | 2,028 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.1233% | 2,193 |
| Assets per employee ($millions) | 13.5882% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 984 |
| Loan loss allowance to noncurrent loans | 1,709.3333% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,531 |
| Noncurrent loans to loans | 0.0945% | 3,074 |
| Net loans and leases to total assets | 26.1300% | 4,444 |
| Net loans and leases to deposits | 28.0558% | 4,481 |
| Net loans and leases to core deposits | 28.3616% | 4,479 |
| Total domestic deposits to total assets | 93.1300% | 287 |
| Equity capital to assets | 6.7629% | 3,934 |
| Core capital (leverage) ratio | 8.9068% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6147% | 283 |
| Memoranda: | ||
| Average total assets | $292,388,500 | 2,505 |
| Average earning assets | $285,747,500 | 2,424 |
| Average equity | $19,539,000 | 2,927 |
| Average total loans | $80,143,500 | 3,448 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5466% | 4,483 |
| Cost of funding earning assets | 0.7408% | 493 |
| Net interest margin | 1.8058% | 4,598 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.2492% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7250% | 3,554 |
| Return on assets (ROA) | 0.7478% | 3,429 |
| Pretax return on assets | 0.7933% | 3,642 |
| Return on Equity (ROE) | 10.3000% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.9165% | 3,085 |
| Net charge-offs to loans | -0.0656% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3575% | 3,005 |
| Assets per employee ($millions) | 15.0441% | 203 |
| Cash dividends to net income (ytd only)* | 52.2543% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,007 |
| Loan loss allowance to noncurrent loans | 1,664.9351% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,549 |
| Noncurrent loans to loans | 0.0952% | 3,085 |
| Net loans and leases to total assets | 27.8500% | 4,438 |
| Net loans and leases to deposits | 29.8447% | 4,476 |
| Net loans and leases to core deposits | 30.3029% | 4,481 |
| Total domestic deposits to total assets | 93.3300% | 340 |
| Equity capital to assets | 6.5985% | 3,863 |
| Core capital (leverage) ratio | 8.4794% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7320% | 288 |
| Memoranda: | ||
| Average total assets | $296,596,800 | 2,463 |
| Average earning assets | $289,567,200 | 2,387 |
| Average equity | $21,539,600 | 2,810 |
| Average total loans | $76,207,400 | 3,468 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1414% | 4,579 |
| Cost of funding earning assets | 0.5571% | 556 |
| Net interest margin | 1.5842% | 4,631 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.2100% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6042% | 3,827 |
| Return on assets (ROA) | 0.6326% | 3,696 |
| Pretax return on assets | 0.6656% | 3,867 |
| Return on Equity (ROE) | 8.5200% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.7692% | 2,830 |
| Net charge-offs to loans | -0.0906% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.8909% | 2,566 |
| Assets per employee ($millions) | 17.2691% | 142 |
| Cash dividends to net income (ytd only)* | 32.3239% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 893 |
| Loan loss allowance to noncurrent loans | 1,781.9444% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,715 |
| Noncurrent loans to loans | 0.0949% | 3,199 |
| Net loans and leases to total assets | 23.9900% | 4,544 |
| Net loans and leases to deposits | 25.5250% | 4,571 |
| Net loans and leases to core deposits | 26.0707% | 4,559 |
| Total domestic deposits to total assets | 93.9900% | 359 |
| Equity capital to assets | 5.9242% | 3,992 |
| Core capital (leverage) ratio | 8.3815% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2075% | 269 |
| Memoranda: | ||
| Average total assets | $299,286,750 | 2,473 |
| Average earning assets | $292,202,750 | 2,390 |
| Average equity | $22,209,250 | 2,803 |
| Average total loans | $75,035,500 | 3,494 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8483% | 4,657 |
| Cost of funding earning assets | 0.4076% | 873 |
| Net interest margin | 1.4406% | 4,688 |
| Noninterest income to average assets | 0.4048% | 2,729 |
| Noninterest expense to average assets | 1.2483% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5329% | 3,814 |
| Return on assets (ROA) | 0.5747% | 3,644 |
| Pretax return on assets | 0.6072% | 3,802 |
| Return on Equity (ROE) | 7.2335% | 3,240 |
| Retained earnings to average equity (ytd only) | 3.3228% | 3,337 |
| Net charge-offs to loans | -0.1338% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1525% | 2,362 |
| Assets per employee ($millions) | 12.9702% | 293 |
| Cash dividends to net income (ytd only)* | 54.0636% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 24.2120% | 4,589 |
| Net loans and leases to deposits | 26.0430% | 4,616 |
| Net loans and leases to core deposits | 26.6220% | 4,618 |
| Total domestic deposits to total assets | 92.9692% | 525 |
| Equity capital to assets | 6.9621% | 3,792 |
| Core capital (leverage) ratio | 8.2500% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9932% | 222 |
| Memoranda: | ||
| Average total assets | $295,434,667 | 2,509 |
| Average earning assets | $288,484,000 | 2,439 |
| Average equity | $23,474,000 | 2,782 |
| Average total loans | $74,761,333 | 3,536 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7378% | 4,676 |
| Cost of funding earning assets | 0.4000% | 871 |
| Net interest margin | 1.3379% | 4,717 |
| Noninterest income to average assets | 0.6830% | 1,378 |
| Noninterest expense to average assets | 1.2476% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7028% | 3,049 |
| Return on assets (ROA) | 0.7946% | 2,669 |
| Pretax return on assets | 0.8381% | 2,982 |
| Return on Equity (ROE) | 9.4093% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.4093% | 1,163 |
| Net charge-offs to loans | -0.0053% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1491% | 3,363 |
| Assets per employee ($millions) | 15.2309% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 1,056 |
| Loan loss allowance to noncurrent loans | 61,650.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,123 |
| Noncurrent loans to loans | 0.0028% | 4,032 |
| Net loans and leases to total assets | 23.4316% | 4,621 |
| Net loans and leases to deposits | 25.3900% | 4,649 |
| Net loans and leases to core deposits | 25.8757% | 4,652 |
| Total domestic deposits to total assets | 92.2871% | 477 |
| Equity capital to assets | 7.6473% | 3,832 |
| Core capital (leverage) ratio | 8.4578% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5856% | 251 |
| Memoranda: | ||
| Average total assets | $293,994,500 | 2,523 |
| Average earning assets | $287,026,000 | 2,464 |
| Average equity | $24,826,500 | 2,785 |
| Average total loans | $75,387,000 | 3,536 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0808% | 4,662 |
| Cost of funding earning assets | 0.4903% | 972 |
| Net interest margin | 1.5906% | 4,711 |
| Noninterest income to average assets | 0.0661% | 4,689 |
| Noninterest expense to average assets | 1.3100% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2919% | 4,429 |
| Return on assets (ROA) | 0.2990% | 4,445 |
| Pretax return on assets | 0.3138% | 4,482 |
| Return on Equity (ROE) | 3.0404% | 4,354 |
| Retained earnings to average equity (ytd only) | -0.4635% | 4,543 |
| Net charge-offs to loans | -0.0818% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5873% | 899 |
| Assets per employee ($millions) | 12.8805% | 325 |
| Cash dividends to net income (ytd only)* | 115.2461% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,314 |
| Loan loss allowance to noncurrent loans | 30,800.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,190 |
| Noncurrent loans to loans | 0.0051% | 4,075 |
| Net loans and leases to total assets | 27.1489% | 4,591 |
| Net loans and leases to deposits | 29.9483% | 4,623 |
| Net loans and leases to core deposits | 30.7022% | 4,630 |
| Total domestic deposits to total assets | 90.6525% | 643 |
| Equity capital to assets | 9.3016% | 3,321 |
| Core capital (leverage) ratio | 8.3694% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3287% | 273 |
| Memoranda: | ||
| Average total assets | $278,557,600 | 2,554 |
| Average earning assets | $271,476,600 | 2,475 |
| Average equity | $27,397,400 | 2,691 |
| Average total loans | $80,733,000 | 3,472 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1532% | 4,726 |
| Cost of funding earning assets | 0.5068% | 1,016 |
| Net interest margin | 1.6463% | 4,784 |
| Noninterest income to average assets | 0.0659% | 4,766 |
| Noninterest expense to average assets | 1.3172% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3359% | 4,463 |
| Return on assets (ROA) | 0.3423% | 4,482 |
| Pretax return on assets | 0.3591% | 4,538 |
| Return on Equity (ROE) | 3.4324% | 4,395 |
| Retained earnings to average equity (ytd only) | 0.9497% | 4,422 |
| Net charge-offs to loans | -0.1131% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5045% | 1,003 |
| Assets per employee ($millions) | 13.1002% | 298 |
| Cash dividends to net income (ytd only)* | 72.3315% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 1,236 |
| Loan loss allowance to noncurrent loans | 1,372.2222% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,956 |
| Noncurrent loans to loans | 0.1198% | 3,494 |
| Net loans and leases to total assets | 25.6307% | 4,714 |
| Net loans and leases to deposits | 28.3475% | 4,733 |
| Net loans and leases to core deposits | 29.3109% | 4,739 |
| Total domestic deposits to total assets | 90.4162% | 598 |
| Equity capital to assets | 9.4766% | 3,397 |
| Core capital (leverage) ratio | 8.8384% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2020% | 247 |
| Memoranda: | ||
| Average total assets | $277,354,250 | 2,573 |
| Average earning assets | $270,171,000 | 2,505 |
| Average equity | $27,657,250 | 2,702 |
| Average total loans | $81,375,250 | 3,503 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3118% | 4,719 |
| Cost of funding earning assets | 0.5269% | 1,050 |
| Net interest margin | 1.7849% | 4,789 |
| Noninterest income to average assets | 0.0694% | 4,791 |
| Noninterest expense to average assets | 1.3509% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4344% | 4,327 |
| Return on assets (ROA) | 0.4413% | 4,358 |
| Pretax return on assets | 0.4632% | 4,438 |
| Return on Equity (ROE) | 4.3497% | 4,262 |
| Retained earnings to average equity (ytd only) | 0.6409% | 4,405 |
| Net charge-offs to loans | -0.1629% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5435% | 1,375 |
| Assets per employee ($millions) | 12.6477% | 301 |
| Cash dividends to net income (ytd only)* | 85.2649% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,360 |
| Loan loss allowance to noncurrent loans | 7,258.8235% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,272 |
| Noncurrent loans to loans | 0.0216% | 4,115 |
| Net loans and leases to total assets | 27.8225% | 4,704 |
| Net loans and leases to deposits | 30.9103% | 4,742 |
| Net loans and leases to core deposits | 32.0440% | 4,745 |
| Total domestic deposits to total assets | 90.0104% | 772 |
| Equity capital to assets | 9.9008% | 2,940 |
| Core capital (leverage) ratio | 8.4928% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6675% | 279 |
| Memoranda: | ||
| Average total assets | $273,737,333 | 2,584 |
| Average earning assets | $266,453,333 | 2,528 |
| Average equity | $27,772,333 | 2,689 |
| Average total loans | $83,465,667 | 3,489 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5544% | 4,610 |
| Cost of funding earning assets | 0.5290% | 1,210 |
| Net interest margin | 2.0254% | 4,716 |
| Noninterest income to average assets | 0.0855% | 4,745 |
| Noninterest expense to average assets | 1.3408% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6872% | 3,739 |
| Return on assets (ROA) | 0.7013% | 3,764 |
| Pretax return on assets | 0.7338% | 3,946 |
| Return on Equity (ROE) | 6.8283% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.1110% | 2,851 |
| Net charge-offs to loans | -0.2422% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0901% | 2,598 |
| Assets per employee ($millions) | 12.4276% | 313 |
| Cash dividends to net income (ytd only)* | 10.5042% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,794 |
| Loan loss allowance to noncurrent loans | 6,090.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,338 |
| Noncurrent loans to loans | 0.0237% | 4,171 |
| Net loans and leases to total assets | 29.0868% | 4,719 |
| Net loans and leases to deposits | 32.2457% | 4,762 |
| Net loans and leases to core deposits | 33.3521% | 4,769 |
| Total domestic deposits to total assets | 90.2038% | 724 |
| Equity capital to assets | 9.7049% | 2,993 |
| Core capital (leverage) ratio | 9.1571% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3865% | 309 |
| Memoranda: | ||
| Average total assets | $271,481,000 | 2,587 |
| Average earning assets | $264,638,500 | 2,524 |
| Average equity | $27,884,000 | 2,676 |
| Average total loans | $85,873,500 | 3,470 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 4,656 |
| Cost of funding earning assets | 0.7498% | 1,445 |
| Net interest margin | 2.2166% | 4,752 |
| Noninterest income to average assets | 0.0752% | 4,807 |
| Noninterest expense to average assets | 1.5225% | 4,763 |
| Loan and lease loss provision to assets | 0.0413% | 3,881 |
| Net operating income to assets | 0.6282% | 3,655 |
| Return on assets (ROA) | 0.6294% | 3,781 |
| Pretax return on assets | 0.6629% | 3,956 |
| Return on Equity (ROE) | 5.4492% | 3,765 |
| Retained earnings to average equity (ytd only) | 0.9231% | 4,251 |
| Net charge-offs to loans | -0.0562% | 4,691 |
| Credit loss provision to net charge-offs | -196.0784% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9610% | 2,535 |
| Assets per employee ($millions) | 11.6876% | 341 |
| Cash dividends to net income (ytd only)* | 83.0598% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,254 |
| Loan loss allowance to noncurrent loans | 4,164.2857% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,375 |
| Noncurrent loans to loans | 0.0320% | 4,183 |
| Net loans and leases to total assets | 33.5331% | 4,661 |
| Net loans and leases to deposits | 37.6732% | 4,705 |
| Net loans and leases to core deposits | 38.9679% | 4,724 |
| Total domestic deposits to total assets | 89.0105% | 985 |
| Equity capital to assets | 10.9004% | 2,340 |
| Core capital (leverage) ratio | 9.4043% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2751% | 374 |
| Memoranda: | ||
| Average total assets | $241,970,000 | 2,636 |
| Average earning assets | $234,727,400 | 2,563 |
| Average equity | $27,949,000 | 2,601 |
| Average total loans | $90,738,400 | 3,388 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1562% | 4,629 |
| Cost of funding earning assets | 0.7931% | 1,533 |
| Net interest margin | 2.3631% | 4,748 |
| Noninterest income to average assets | 0.0745% | 4,840 |
| Noninterest expense to average assets | 1.5556% | 4,763 |
| Loan and lease loss provision to assets | 0.0281% | 3,981 |
| Net operating income to assets | 0.7401% | 3,320 |
| Return on assets (ROA) | 0.7406% | 3,418 |
| Pretax return on assets | 0.7815% | 3,694 |
| Return on Equity (ROE) | 6.3158% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.6186% | 3,244 |
| Net charge-offs to loans | -0.0743% | 4,769 |
| Credit loss provision to net charge-offs | -98.0392% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4233% | 2,840 |
| Assets per employee ($millions) | 11.0173% | 386 |
| Cash dividends to net income (ytd only)* | 42.7060% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,517 |
| Loan loss allowance to noncurrent loans | 1,226.3736% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 4,274 |
| Noncurrent loans to loans | 0.1001% | 3,973 |
| Net loans and leases to total assets | 35.4225% | 4,703 |
| Net loans and leases to deposits | 40.1600% | 4,744 |
| Net loans and leases to core deposits | 41.7005% | 4,756 |
| Total domestic deposits to total assets | 88.2035% | 1,111 |
| Equity capital to assets | 11.3486% | 2,116 |
| Core capital (leverage) ratio | 10.1585% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8475% | 461 |
| Memoranda: | ||
| Average total assets | $238,180,500 | 2,645 |
| Average earning assets | $230,817,250 | 2,572 |
| Average equity | $27,929,250 | 2,600 |
| Average total loans | $91,575,750 | 3,393 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 4,567 |
| Cost of funding earning assets | 0.8699% | 1,498 |
| Net interest margin | 2.5033% | 4,735 |
| Noninterest income to average assets | 0.0729% | 4,859 |
| Noninterest expense to average assets | 1.6138% | 4,769 |
| Loan and lease loss provision to assets | 0.0429% | 3,748 |
| Net operating income to assets | 0.7974% | 3,054 |
| Return on assets (ROA) | 0.8048% | 3,149 |
| Pretax return on assets | 0.8485% | 3,459 |
| Return on Equity (ROE) | 6.7840% | 3,214 |
| Retained earnings to average equity (ytd only) | 2.6977% | 3,505 |
| Net charge-offs to loans | -0.1089% | 4,865 |
| Credit loss provision to net charge-offs | -100.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3497% | 3,066 |
| Assets per employee ($millions) | 10.1785% | 471 |
| Cash dividends to net income (ytd only)* | 60.2345% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,555 |
| Loan loss allowance to noncurrent loans | 1,004.5045% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 4,293 |
| Noncurrent loans to loans | 0.1188% | 3,975 |
| Net loans and leases to total assets | 39.4291% | 4,629 |
| Net loans and leases to deposits | 45.0926% | 4,675 |
| Net loans and leases to core deposits | 46.9591% | 4,688 |
| Total domestic deposits to total assets | 87.4403% | 1,437 |
| Equity capital to assets | 12.1108% | 1,599 |
| Core capital (leverage) ratio | 10.2226% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1862% | 564 |
| Memoranda: | ||
| Average total assets | $233,108,000 | 2,655 |
| Average earning assets | $225,779,667 | 2,585 |
| Average equity | $27,653,333 | 2,605 |
| Average total loans | $91,809,000 | 3,376 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 4,790 |
| Cost of funding earning assets | 0.9799% | 1,508 |
| Net interest margin | 2.3520% | 4,904 |
| Noninterest income to average assets | 0.0877% | 4,873 |
| Noninterest expense to average assets | 1.6405% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6866% | 3,314 |
| Return on assets (ROA) | 0.6964% | 3,354 |
| Pretax return on assets | 0.7360% | 3,577 |
| Return on Equity (ROE) | 5.9332% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.9332% | 1,899 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9331% | 2,832 |
| Assets per employee ($millions) | 10.2908% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,106 |
| Loan loss allowance to noncurrent loans | 1,514.9254% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,479 |
| Noncurrent loans to loans | 0.0737% | 4,226 |
| Net loans and leases to total assets | 37.9663% | 4,727 |
| Net loans and leases to deposits | 43.2959% | 4,778 |
| Net loans and leases to core deposits | 45.3098% | 4,786 |
| Total domestic deposits to total assets | 87.6902% | 1,235 |
| Equity capital to assets | 11.8818% | 2,155 |
| Core capital (leverage) ratio | 10.5825% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0267% | 639 |
| Memoranda: | ||
| Average total assets | $232,609,000 | 2,608 |
| Average earning assets | $225,339,500 | 2,533 |
| Average equity | $27,304,000 | 2,623 |
| Average total loans | $91,003,000 | 3,375 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 4,826 |
| Cost of funding earning assets | 1.0921% | 1,355 |
| Net interest margin | 2.4507% | 4,989 |
| Noninterest income to average assets | 0.0842% | 4,962 |
| Noninterest expense to average assets | 1.7247% | 4,850 |
| Loan and lease loss provision to assets | 0.0655% | 2,710 |
| Net operating income to assets | 0.6189% | 4,102 |
| Return on assets (ROA) | 0.6098% | 4,192 |
| Pretax return on assets | 0.6452% | 4,339 |
| Return on Equity (ROE) | 5.4048% | 4,103 |
| Retained earnings to average equity (ytd only) | 1.2845% | 4,280 |
| Net charge-offs to loans | -0.0535% | 4,835 |
| Credit loss provision to net charge-offs | -300.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6486% | 2,510 |
| Assets per employee ($millions) | 9.9360% | 365 |
| Cash dividends to net income (ytd only)* | 76.2348% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,864 |
| Loan loss allowance to noncurrent loans | 709.7902% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,310 |
| Noncurrent loans to loans | 0.1569% | 3,899 |
| Net loans and leases to total assets | 39.4322% | 4,752 |
| Net loans and leases to deposits | 44.7852% | 4,812 |
| Net loans and leases to core deposits | 46.8592% | 4,815 |
| Total domestic deposits to total assets | 88.0475% | 1,106 |
| Equity capital to assets | 11.5893% | 2,442 |
| Core capital (leverage) ratio | 10.2657% | 3,225 |
| Tier 1 risk-based capital ratio | 20.8243% | 1,198 |
| Total risk-based capital ratio | 21.7202% | 1,226 |
| Memoranda: | ||
| Average total assets | $229,087,200 | 2,582 |
| Average earning assets | $220,675,200 | 2,531 |
| Average equity | $25,847,400 | 2,646 |
| Average total loans | $93,468,000 | 3,329 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5597% | 4,918 |
| Cost of funding earning assets | 1.0830% | 1,415 |
| Net interest margin | 2.4767% | 5,074 |
| Noninterest income to average assets | 0.0826% | 5,041 |
| Noninterest expense to average assets | 1.6426% | 4,973 |
| Loan and lease loss provision to assets | 0.0582% | 2,736 |
| Net operating income to assets | 0.7282% | 3,917 |
| Return on assets (ROA) | 0.7055% | 4,060 |
| Pretax return on assets | 0.7416% | 4,258 |
| Return on Equity (ROE) | 6.2959% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.3634% | 3,719 |
| Net charge-offs to loans | -0.0737% | 4,927 |
| Credit loss provision to net charge-offs | -192.3077% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7264% | 3,056 |
| Assets per employee ($millions) | 10.0804% | 345 |
| Cash dividends to net income (ytd only)* | 46.5785% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,318 |
| Loan loss allowance to noncurrent loans | 332.3024% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 4,100 |
| Noncurrent loans to loans | 0.3145% | 3,402 |
| Net loans and leases to total assets | 39.4891% | 4,829 |
| Net loans and leases to deposits | 44.9370% | 4,891 |
| Net loans and leases to core deposits | 46.9985% | 4,895 |
| Total domestic deposits to total assets | 87.8766% | 1,090 |
| Equity capital to assets | 11.6343% | 2,572 |
| Core capital (leverage) ratio | 10.9364% | 2,707 |
| Tier 1 risk-based capital ratio | 20.8028% | 1,214 |
| Total risk-based capital ratio | 21.6464% | 1,271 |
| Memoranda: | ||
| Average total assets | $229,226,750 | 2,611 |
| Average earning assets | $220,614,750 | 2,553 |
| Average equity | $25,688,000 | 2,670 |
| Average total loans | $94,052,750 | 3,359 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,927 |
| Cost of funding earning assets | 1.0724% | 1,412 |
| Net interest margin | 2.5336% | 5,112 |
| Noninterest income to average assets | 0.0797% | 5,099 |
| Noninterest expense to average assets | 1.6334% | 5,033 |
| Loan and lease loss provision to assets | 0.0876% | 2,090 |
| Net operating income to assets | 0.7585% | 3,799 |
| Return on assets (ROA) | 0.7594% | 3,862 |
| Pretax return on assets | 0.7970% | 4,101 |
| Return on Equity (ROE) | 6.8648% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.3833% | 3,989 |
| Net charge-offs to loans | -0.1206% | 5,040 |
| Credit loss provision to net charge-offs | -175.4386% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0738% | 3,421 |
| Assets per employee ($millions) | 9.7447% | 361 |
| Cash dividends to net income (ytd only)* | 65.2826% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,361 |
| Loan loss allowance to noncurrent loans | 341.0526% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,831 |
| Noncurrent loans to loans | 0.3067% | 3,450 |
| Net loans and leases to total assets | 41.0332% | 4,820 |
| Net loans and leases to deposits | 46.7348% | 4,879 |
| Net loans and leases to core deposits | 48.9506% | 4,887 |
| Total domestic deposits to total assets | 87.8003% | 1,195 |
| Equity capital to assets | 11.7335% | 2,406 |
| Core capital (leverage) ratio | 10.4589% | 3,137 |
| Tier 1 risk-based capital ratio | 19.8901% | 1,370 |
| Total risk-based capital ratio | 20.7142% | 1,417 |
| Memoranda: | ||
| Average total assets | $228,352,670 | 2,621 |
| Average earning assets | $219,686,670 | 2,567 |
| Average equity | $25,259,330 | 2,695 |
| Average total loans | $94,563,000 | 3,362 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 4,967 |
| Cost of funding earning assets | 1.0141% | 1,511 |
| Net interest margin | 2.5875% | 5,145 |
| Noninterest income to average assets | 0.0903% | 5,113 |
| Noninterest expense to average assets | 1.6350% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8869% | 3,284 |
| Return on assets (ROA) | 0.8869% | 3,337 |
| Pretax return on assets | 0.9442% | 3,634 |
| Return on Equity (ROE) | 8.2619% | 3,135 |
| Retained earnings to average equity (ytd only) | 8.2619% | 1,569 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6326% | 3,731 |
| Assets per employee ($millions) | 9.6481% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,276 |
| Loan loss allowance to noncurrent loans | 1,987.8049% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 4,434 |
| Noncurrent loans to loans | 0.0437% | 4,567 |
| Net loans and leases to total assets | 40.1660% | 4,883 |
| Net loans and leases to deposits | 45.3686% | 4,948 |
| Net loans and leases to core deposits | 46.9445% | 4,962 |
| Total domestic deposits to total assets | 88.5327% | 1,070 |
| Equity capital to assets | 11.0177% | 2,834 |
| Core capital (leverage) ratio | 10.5947% | 2,948 |
| Tier 1 risk-based capital ratio | 19.7258% | 1,390 |
| Total risk-based capital ratio | 20.4062% | 1,485 |
| Memoranda: | ||
| Average total assets | $230,465,000 | 2,636 |
| Average earning assets | $221,678,500 | 2,578 |
| Average equity | $24,740,000 | 2,741 |
| Average total loans | $95,375,000 | 3,388 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2182% | 5,138 |
| Cost of funding earning assets | 0.8884% | 1,141 |
| Net interest margin | 2.3299% | 5,274 |
| Noninterest income to average assets | 0.0824% | 5,199 |
| Noninterest expense to average assets | 1.5409% | 5,201 |
| Loan and lease loss provision to assets | 0.0490% | 3,205 |
| Net operating income to assets | 0.7227% | 4,062 |
| Return on assets (ROA) | 0.7278% | 4,051 |
| Pretax return on assets | 0.7641% | 4,258 |
| Return on Equity (ROE) | 6.8122% | 3,892 |
| Retained earnings to average equity (ytd only) | 4.0579% | 3,331 |
| Net charge-offs to loans | 0.0204% | 3,017 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 109.8000% | 695 |
| Efficiency ratio | 65.1075% | 3,013 |
| Assets per employee ($millions) | 10.4262% | 301 |
| Cash dividends to net income (ytd only)* | 40.4313% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,390 |
| Loan loss allowance to noncurrent loans | 3,018.5185% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,468 |
| Noncurrent loans to loans | 0.0279% | 4,645 |
| Net loans and leases to total assets | 41.9024% | 4,882 |
| Net loans and leases to deposits | 47.4597% | 4,945 |
| Net loans and leases to core deposits | 48.9501% | 4,968 |
| Total domestic deposits to total assets | 88.2904% | 1,165 |
| Equity capital to assets | 10.4492% | 3,239 |
| Core capital (leverage) ratio | 10.1778% | 3,374 |
| Tier 1 risk-based capital ratio | 19.0659% | 1,510 |
| Total risk-based capital ratio | 19.7392% | 1,575 |
| Memoranda: | ||
| Average total assets | $203,904,400 | 2,820 |
| Average earning assets | $198,338,200 | 2,735 |
| Average equity | $21,784,600 | 2,908 |
| Average total loans | $73,373,400 | 3,801 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0690% | 5,261 |
| Cost of funding earning assets | 0.8605% | 1,072 |
| Net interest margin | 2.2085% | 5,381 |
| Noninterest income to average assets | 0.0796% | 5,274 |
| Noninterest expense to average assets | 1.5112% | 5,270 |
| Loan and lease loss provision to assets | 0.0338% | 3,342 |
| Net operating income to assets | 0.6558% | 4,347 |
| Return on assets (ROA) | 0.6628% | 4,351 |
| Pretax return on assets | 0.7006% | 4,533 |
| Return on Equity (ROE) | 6.1647% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.2814% | 3,627 |
| Net charge-offs to loans | 0.0099% | 3,071 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 215.2864% | 419 |
| Efficiency ratio | 67.5211% | 2,625 |
| Assets per employee ($millions) | 9.1703% | 424 |
| Cash dividends to net income (ytd only)* | 30.5499% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,000 |
| Loan loss allowance to noncurrent loans | 189.9510% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,885 |
| Noncurrent loans to loans | 0.5973% | 2,590 |
| Net loans and leases to total assets | 35.0651% | 5,168 |
| Net loans and leases to deposits | 39.5424% | 5,217 |
| Net loans and leases to core deposits | 40.6745% | 5,227 |
| Total domestic deposits to total assets | 88.6772% | 969 |
| Equity capital to assets | 10.7443% | 2,903 |
| Core capital (leverage) ratio | 12.0711% | 1,745 |
| Tier 1 risk-based capital ratio | 25.0950% | 745 |
| Total risk-based capital ratio | 25.9389% | 759 |
| Memoranda: | ||
| Average total assets | $197,536,500 | 2,918 |
| Average earning assets | $193,063,500 | 2,808 |
| Average equity | $21,238,750 | 2,980 |
| Average total loans | $67,484,500 | 3,958 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 5,308 |
| Cost of funding earning assets | 0.8256% | 1,023 |
| Net interest margin | 2.2294% | 5,438 |
| Noninterest income to average assets | 0.0753% | 5,336 |
| Noninterest expense to average assets | 1.4981% | 5,340 |
| Loan and lease loss provision to assets | 0.0502% | 2,913 |
| Net operating income to assets | 0.6674% | 4,294 |
| Return on assets (ROA) | 0.6777% | 4,265 |
| Pretax return on assets | 0.7179% | 4,465 |
| Return on Equity (ROE) | 6.3021% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,838 |
| Net charge-offs to loans | 0.0179% | 2,547 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 125.6667% | 597 |
| Efficiency ratio | 66.4292% | 2,902 |
| Assets per employee ($millions) | 10.1584% | 301 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,046 |
| Loan loss allowance to noncurrent loans | 207.5067% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,022 |
| Noncurrent loans to loans | 0.5487% | 2,772 |
| Net loans and leases to total assets | 34.8215% | 5,212 |
| Net loans and leases to deposits | 39.5231% | 5,258 |
| Net loans and leases to core deposits | 40.3154% | 5,272 |
| Total domestic deposits to total assets | 88.1042% | 1,321 |
| Equity capital to assets | 10.8513% | 2,783 |
| Core capital (leverage) ratio | 11.5459% | 2,032 |
| Tier 1 risk-based capital ratio | 24.5397% | 785 |
| Total risk-based capital ratio | 25.3750% | 793 |
| Memoranda: | ||
| Average total assets | $199,190,000 | 2,905 |
| Average earning assets | $194,763,670 | 2,803 |
| Average equity | $21,421,330 | 2,972 |
| Average total loans | $67,212,000 | 3,994 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9989% | 5,373 |
| Cost of funding earning assets | 0.7659% | 1,116 |
| Net interest margin | 2.2330% | 5,492 |
| Noninterest income to average assets | 0.0771% | 5,404 |
| Noninterest expense to average assets | 1.4159% | 5,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7964% | 3,715 |
| Return on assets (ROA) | 0.8187% | 3,646 |
| Pretax return on assets | 0.8701% | 3,947 |
| Return on Equity (ROE) | 7.6454% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.6454% | 1,973 |
| Net charge-offs to loans | -0.0180% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5874% | 3,689 |
| Assets per employee ($millions) | 10.1807% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,463 |
| Loan loss allowance to noncurrent loans | 498.6395% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,728 |
| Noncurrent loans to loans | 0.2182% | 3,994 |
| Net loans and leases to total assets | 32.7271% | 5,301 |
| Net loans and leases to deposits | 36.7581% | 5,343 |
| Net loans and leases to core deposits | 37.7386% | 5,355 |
| Total domestic deposits to total assets | 89.0337% | 1,077 |
| Equity capital to assets | 10.4718% | 3,105 |
| Core capital (leverage) ratio | 11.3992% | 2,086 |
| Tier 1 risk-based capital ratio | 24.1357% | 829 |
| Total risk-based capital ratio | 24.9123% | 850 |
| Memoranda: | ||
| Average total assets | $202,280,000 | 2,913 |
| Average earning assets | $197,937,000 | 2,808 |
| Average equity | $21,660,000 | 2,983 |
| Average total loans | $66,826,500 | 4,039 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9550% | 5,384 |
| Cost of funding earning assets | 0.7616% | 785 |
| Net interest margin | 2.1935% | 5,540 |
| Noninterest income to average assets | 0.0868% | 5,442 |
| Noninterest expense to average assets | 1.4431% | 5,506 |
| Loan and lease loss provision to assets | 0.0490% | 3,244 |
| Net operating income to assets | 0.7045% | 3,583 |
| Return on assets (ROA) | 0.7250% | 3,534 |
| Pretax return on assets | 0.7623% | 4,361 |
| Return on Equity (ROE) | 6.6854% | 3,440 |
| Retained earnings to average equity (ytd only) | 3.8603% | 2,896 |
| Net charge-offs to loans | 0.0284% | 3,246 |
| Credit loss provision to net charge-offs | 555.5556% | 581 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 703 |
| Efficiency ratio | 64.6323% | 3,509 |
| Assets per employee ($millions) | 10.5761% | 263 |
| Cash dividends to net income (ytd only)* | 42.2583% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,349 |
| Loan loss allowance to noncurrent loans | 453.4161% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,571 |
| Noncurrent loans to loans | 0.2429% | 3,930 |
| Net loans and leases to total assets | 32.6222% | 5,381 |
| Net loans and leases to deposits | 37.0517% | 5,408 |
| Net loans and leases to core deposits | 38.1209% | 5,421 |
| Total domestic deposits to total assets | 88.0450% | 1,475 |
| Equity capital to assets | 10.9472% | 2,678 |
| Core capital (leverage) ratio | 10.9684% | 2,367 |
| Tier 1 risk-based capital ratio | 23.9567% | 818 |
| Total risk-based capital ratio | 24.7386% | 844 |
| Memoranda: | ||
| Average total assets | $203,999,600 | 2,888 |
| Average earning assets | $199,592,800 | 2,769 |
| Average equity | $22,122,800 | 2,945 |
| Average total loans | $63,370,800 | 4,118 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9377% | 5,455 |
| Cost of funding earning assets | 0.7561% | 735 |
| Net interest margin | 2.1817% | 5,605 |
| Noninterest income to average assets | 0.0788% | 5,535 |
| Noninterest expense to average assets | 1.4416% | 5,556 |
| Loan and lease loss provision to assets | 0.0326% | 3,472 |
| Net operating income to assets | 0.7034% | 3,962 |
| Return on assets (ROA) | 0.7306% | 3,891 |
| Pretax return on assets | 0.7677% | 4,433 |
| Return on Equity (ROE) | 6.7526% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.9471% | 2,923 |
| Net charge-offs to loans | 0.0085% | 3,424 |
| Credit loss provision to net charge-offs | 1,250.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 296.4278% | 310 |
| Efficiency ratio | 65.1368% | 3,353 |
| Assets per employee ($millions) | 10.8247% | 250 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,430 |
| Loan loss allowance to noncurrent loans | 266.9231% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,613 |
| Noncurrent loans to loans | 0.4161% | 3,456 |
| Net loans and leases to total assets | 30.0468% | 5,500 |
| Net loans and leases to deposits | 34.0399% | 5,527 |
| Net loans and leases to core deposits | 34.7982% | 5,541 |
| Total domestic deposits to total assets | 88.2695% | 1,224 |
| Equity capital to assets | 11.1232% | 2,744 |
| Core capital (leverage) ratio | 10.9918% | 2,466 |
| Tier 1 risk-based capital ratio | 24.8631% | 770 |
| Total risk-based capital ratio | 25.6357% | 792 |
| Memoranda: | ||
| Average total assets | $204,763,000 | 2,897 |
| Average earning assets | $200,330,000 | 2,794 |
| Average equity | $22,154,000 | 2,960 |
| Average total loans | $62,642,750 | 4,167 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9409% | 5,482 |
| Cost of funding earning assets | 0.7510% | 686 |
| Net interest margin | 2.1899% | 5,650 |
| Noninterest income to average assets | 0.0822% | 5,566 |
| Noninterest expense to average assets | 1.4624% | 5,596 |
| Loan and lease loss provision to assets | 0.0489% | 3,012 |
| Net operating income to assets | 0.6787% | 3,939 |
| Return on assets (ROA) | 0.7121% | 3,855 |
| Pretax return on assets | 0.7483% | 4,436 |
| Return on Equity (ROE) | 6.6445% | 3,754 |
| Retained earnings to average equity (ytd only) | 3.9064% | 3,373 |
| Net charge-offs to loans | -0.0064% | 4,401 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7432% | 3,394 |
| Assets per employee ($millions) | 10.7752% | 244 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,459 |
| Loan loss allowance to noncurrent loans | 214.7239% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,545 |
| Noncurrent loans to loans | 0.5227% | 3,188 |
| Net loans and leases to total assets | 30.1193% | 5,544 |
| Net loans and leases to deposits | 34.0602% | 5,571 |
| Net loans and leases to core deposits | 35.2822% | 5,582 |
| Total domestic deposits to total assets | 88.4296% | 1,241 |
| Equity capital to assets | 11.0141% | 2,792 |
| Core capital (leverage) ratio | 10.4823% | 2,936 |
| Tier 1 risk-based capital ratio | 24.3223% | 823 |
| Total risk-based capital ratio | 25.0984% | 848 |
| Memoranda: | ||
| Average total assets | $204,461,000 | 2,915 |
| Average earning assets | $200,008,000 | 2,808 |
| Average equity | $21,913,000 | 2,983 |
| Average total loans | $62,693,330 | 4,186 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8975% | 5,543 |
| Cost of funding earning assets | 0.7304% | 719 |
| Net interest margin | 2.1671% | 5,715 |
| Noninterest income to average assets | 0.0803% | 5,645 |
| Noninterest expense to average assets | 1.4761% | 5,648 |
| Loan and lease loss provision to assets | 0.0979% | 1,928 |
| Net operating income to assets | 0.5967% | 4,175 |
| Return on assets (ROA) | 0.6636% | 3,903 |
| Pretax return on assets | 0.6969% | 4,460 |
| Return on Equity (ROE) | 6.2792% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.2792% | 2,194 |
| Net charge-offs to loans | -0.0764% | 5,357 |
| Credit loss provision to net charge-offs | -416.6667% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0819% | 3,331 |
| Assets per employee ($millions) | 10.0176% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,477 |
| Loan loss allowance to noncurrent loans | 473.3333% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,987 |
| Noncurrent loans to loans | 0.2403% | 4,248 |
| Net loans and leases to total assets | 29.3388% | 5,602 |
| Net loans and leases to deposits | 32.9477% | 5,641 |
| Net loans and leases to core deposits | 33.9931% | 5,647 |
| Total domestic deposits to total assets | 89.0464% | 1,122 |
| Equity capital to assets | 10.4316% | 3,257 |
| Core capital (leverage) ratio | 10.8090% | 2,589 |
| Tier 1 risk-based capital ratio | 24.0430% | 868 |
| Total risk-based capital ratio | 24.8242% | 892 |
| Memoranda: | ||
| Average total assets | $204,327,000 | 2,943 |
| Average earning assets | $199,899,500 | 2,830 |
| Average equity | $21,595,000 | 3,022 |
| Average total loans | $62,858,500 | 4,212 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9509% | 5,537 |
| Cost of funding earning assets | 0.7532% | 626 |
| Net interest margin | 2.1976% | 5,752 |
| Noninterest income to average assets | 0.0567% | 5,752 |
| Noninterest expense to average assets | 1.4373% | 5,753 |
| Loan and lease loss provision to assets | 0.2465% | 852 |
| Net operating income to assets | 0.4616% | 4,764 |
| Return on assets (ROA) | 0.6661% | 4,039 |
| Pretax return on assets | 0.7490% | 4,348 |
| Return on Equity (ROE) | 5.8464% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.3581% | 3,531 |
| Net charge-offs to loans | 0.4247% | 610 |
| Credit loss provision to net charge-offs | 187.9699% | 1,500 |
| Earnings coverage of net charge-offs (x) | 5.8383% | 3,272 |
| Efficiency ratio | 65.2417% | 3,722 |
| Assets per employee ($millions) | 9.9142% | 311 |
| Cash dividends to net income (ytd only)* | 42.5611% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,174 |
| Loan loss allowance to noncurrent loans | 295.8904% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,867 |
| Noncurrent loans to loans | 0.3460% | 3,896 |
| Net loans and leases to total assets | 31.5905% | 5,610 |
| Net loans and leases to deposits | 35.5922% | 5,647 |
| Net loans and leases to core deposits | 36.5265% | 5,668 |
| Total domestic deposits to total assets | 88.7570% | 1,231 |
| Equity capital to assets | 10.7144% | 2,907 |
| Core capital (leverage) ratio | 10.5431% | 2,836 |
| Tier 1 risk-based capital ratio | 23.8233% | 885 |
| Total risk-based capital ratio | 24.5409% | 924 |
| Memoranda: | ||
| Average total assets | $202,807,400 | 2,926 |
| Average earning assets | $198,076,400 | 2,812 |
| Average equity | $23,108,400 | 2,883 |
| Average total loans | $62,637,400 | 4,207 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9534% | 5,605 |
| Cost of funding earning assets | 0.7486% | 639 |
| Net interest margin | 2.2049% | 5,817 |
| Noninterest income to average assets | 0.0412% | 5,855 |
| Noninterest expense to average assets | 1.4076% | 5,816 |
| Loan and lease loss provision to assets | 0.2942% | 578 |
| Net operating income to assets | 0.4681% | 4,809 |
| Return on assets (ROA) | 0.7531% | 3,722 |
| Pretax return on assets | 0.7924% | 4,330 |
| Return on Equity (ROE) | 6.5154% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.8187% | 2,946 |
| Net charge-offs to loans | 0.5741% | 367 |
| Credit loss provision to net charge-offs | 167.2862% | 1,650 |
| Earnings coverage of net charge-offs (x) | 4.4721% | 3,264 |
| Efficiency ratio | 64.1538% | 3,904 |
| Assets per employee ($millions) | 10.7892% | 231 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 4,544 |
| Loan loss allowance to noncurrent loans | 248.9540% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 4,793 |
| Noncurrent loans to loans | 0.3907% | 3,863 |
| Net loans and leases to total assets | 29.5500% | 5,721 |
| Net loans and leases to deposits | 33.7270% | 5,761 |
| Net loans and leases to core deposits | 34.5931% | 5,770 |
| Total domestic deposits to total assets | 87.6153% | 1,605 |
| Equity capital to assets | 11.7257% | 2,318 |
| Core capital (leverage) ratio | 10.5960% | 2,883 |
| Tier 1 risk-based capital ratio | 24.4454% | 864 |
| Total risk-based capital ratio | 25.1192% | 896 |
| Memoranda: | ||
| Average total assets | $203,938,250 | 2,925 |
| Average earning assets | $199,130,250 | 2,815 |
| Average equity | $23,574,250 | 2,856 |
| Average total loans | $62,475,000 | 4,238 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 5,633 |
| Cost of funding earning assets | 0.7511% | 626 |
| Net interest margin | 2.2615% | 5,879 |
| Noninterest income to average assets | 0.0236% | 5,967 |
| Noninterest expense to average assets | 1.4313% | 5,888 |
| Loan and lease loss provision to assets | 0.2947% | 620 |
| Net operating income to assets | 0.4794% | 4,768 |
| Return on assets (ROA) | 0.7024% | 3,927 |
| Pretax return on assets | 0.7388% | 4,500 |
| Return on Equity (ROE) | 6.1059% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.5440% | 3,638 |
| Net charge-offs to loans | 0.8616% | 230 |
| Credit loss provision to net charge-offs | 110.7011% | 1,954 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,183 |
| Efficiency ratio | 64.1850% | 3,987 |
| Assets per employee ($millions) | 10.1695% | 271 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 5,457 |
| Loan loss allowance to noncurrent loans | 421.9048% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 5,130 |
| Noncurrent loans to loans | 0.1726% | 4,742 |
| Net loans and leases to total assets | 29.6952% | 5,786 |
| Net loans and leases to deposits | 33.9620% | 5,824 |
| Net loans and leases to core deposits | 35.3275% | 5,825 |
| Total domestic deposits to total assets | 87.4365% | 1,696 |
| Equity capital to assets | 11.8959% | 2,200 |
| Core capital (leverage) ratio | 10.1711% | 3,365 |
| Tier 1 risk-based capital ratio | 23.7558% | 924 |
| Total risk-based capital ratio | 24.2534% | 996 |
| Memoranda: | ||
| Average total assets | $203,586,000 | 2,944 |
| Average earning assets | $198,632,000 | 2,834 |
| Average equity | $23,420,000 | 2,880 |
| Average total loans | $62,909,670 | 4,260 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 5,639 |
| Cost of funding earning assets | 0.7447% | 651 |
| Net interest margin | 2.3105% | 5,926 |
| Noninterest income to average assets | 0.1139% | 5,772 |
| Noninterest expense to average assets | 1.4611% | 5,929 |
| Loan and lease loss provision to assets | 0.0982% | 2,057 |
| Net operating income to assets | 0.7707% | 3,394 |
| Return on assets (ROA) | 0.8994% | 2,887 |
| Pretax return on assets | 0.9446% | 3,675 |
| Return on Equity (ROE) | 7.9540% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.9540% | 1,474 |
| Net charge-offs to loans | 0.1189% | 1,403 |
| Credit loss provision to net charge-offs | 263.1579% | 919 |
| Earnings coverage of net charge-offs (x) | 24.3158% | 1,335 |
| Efficiency ratio | 61.6915% | 4,490 |
| Assets per employee ($millions) | 10.5647% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 5,596 |
| Loan loss allowance to noncurrent loans | 91.2065% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 4,188 |
| Noncurrent loans to loans | 0.7661% | 2,920 |
| Net loans and leases to total assets | 29.9986% | 5,829 |
| Net loans and leases to deposits | 33.9910% | 5,872 |
| Net loans and leases to core deposits | 35.9917% | 5,860 |
| Total domestic deposits to total assets | 88.2547% | 1,502 |
| Equity capital to assets | 11.1315% | 2,794 |
| Core capital (leverage) ratio | 10.5736% | 2,882 |
| Tier 1 risk-based capital ratio | 22.8554% | 1,029 |
| Total risk-based capital ratio | 23.3363% | 1,130 |
| Memoranda: | ||
| Average total assets | $203,684,000 | 2,945 |
| Average earning assets | $198,748,500 | 2,832 |
| Average equity | $23,032,500 | 2,923 |
| Average total loans | $63,944,500 | 4,264 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1863% | 5,531 |
| Cost of funding earning assets | 0.7321% | 696 |
| Net interest margin | 2.4542% | 5,857 |
| Noninterest income to average assets | 0.0943% | 5,891 |
| Noninterest expense to average assets | 1.4330% | 6,019 |
| Loan and lease loss provision to assets | 0.1261% | 1,913 |
| Net operating income to assets | 0.8725% | 3,009 |
| Return on assets (ROA) | 0.9725% | 2,582 |
| Pretax return on assets | 1.0310% | 3,346 |
| Return on Equity (ROE) | 8.7347% | 2,610 |
| Retained earnings to average equity (ytd only) | 6.6733% | 1,452 |
| Net charge-offs to loans | 0.4056% | 705 |
| Credit loss provision to net charge-offs | 96.1538% | 2,635 |
| Earnings coverage of net charge-offs (x) | 8.0115% | 3,010 |
| Efficiency ratio | 57.6970% | 5,173 |
| Assets per employee ($millions) | 9.8038% | 289 |
| Cash dividends to net income (ytd only)* | 23.5996% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 5,728 |
| Loan loss allowance to noncurrent loans | 91.1894% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 4,053 |
| Noncurrent loans to loans | 0.7087% | 3,063 |
| Net loans and leases to total assets | 32.4590% | 5,826 |
| Net loans and leases to deposits | 37.2760% | 5,858 |
| Net loans and leases to core deposits | 38.4614% | 5,864 |
| Total domestic deposits to total assets | 87.0774% | 2,089 |
| Equity capital to assets | 11.4982% | 2,362 |
| Core capital (leverage) ratio | 10.3868% | 3,065 |
| Tier 1 risk-based capital ratio | 22.2089% | 1,118 |
| Total risk-based capital ratio | 22.6534% | 1,214 |
| Memoranda: | ||
| Average total assets | $198,249,800 | 2,968 |
| Average earning assets | $193,014,000 | 2,858 |
| Average equity | $22,073,000 | 2,966 |
| Average total loans | $64,105,600 | 4,256 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1823% | 5,613 |
| Cost of funding earning assets | 0.7262% | 726 |
| Net interest margin | 2.4561% | 5,940 |
| Noninterest income to average assets | 0.0885% | 5,998 |
| Noninterest expense to average assets | 1.4004% | 6,101 |
| Loan and lease loss provision to assets | 0.1006% | 2,170 |
| Net operating income to assets | 0.9221% | 2,849 |
| Return on assets (ROA) | 1.0248% | 2,442 |
| Pretax return on assets | 1.0879% | 3,276 |
| Return on Equity (ROE) | 9.2793% | 2,430 |
| Retained earnings to average equity (ytd only) | 7.9130% | 1,273 |
| Net charge-offs to loans | 0.3161% | 841 |
| Credit loss provision to net charge-offs | 98.6842% | 2,323 |
| Earnings coverage of net charge-offs (x) | 10.5856% | 2,584 |
| Efficiency ratio | 56.4782% | 5,286 |
| Assets per employee ($millions) | 10.6707% | 216 |
| Cash dividends to net income (ytd only)* | 14.7250% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,783 |
| Loan loss allowance to noncurrent loans | 103.1785% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 4,375 |
| Noncurrent loans to loans | 0.6526% | 3,370 |
| Net loans and leases to total assets | 30.7029% | 5,948 |
| Net loans and leases to deposits | 34.6459% | 6,007 |
| Net loans and leases to core deposits | 36.1162% | 6,012 |
| Total domestic deposits to total assets | 88.6191% | 1,227 |
| Equity capital to assets | 11.2127% | 2,789 |
| Core capital (leverage) ratio | 10.3271% | 3,223 |
| Tier 1 risk-based capital ratio | 21.9985% | 1,197 |
| Total risk-based capital ratio | 22.4499% | 1,294 |
| Memoranda: | ||
| Average total assets | $198,793,500 | 2,980 |
| Average earning assets | $193,523,000 | 2,880 |
| Average equity | $21,955,000 | 2,995 |
| Average total loans | $64,117,500 | 4,298 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 5,612 |
| Cost of funding earning assets | 0.7247% | 741 |
| Net interest margin | 2.4819% | 5,979 |
| Noninterest income to average assets | 0.0851% | 6,075 |
| Noninterest expense to average assets | 1.3916% | 6,179 |
| Loan and lease loss provision to assets | 0.1013% | 2,141 |
| Net operating income to assets | 0.9512% | 2,627 |
| Return on assets (ROA) | 1.0816% | 2,112 |
| Pretax return on assets | 1.1485% | 2,975 |
| Return on Equity (ROE) | 9.8453% | 2,141 |
| Retained earnings to average equity (ytd only) | 7.7711% | 1,357 |
| Net charge-offs to loans | 0.4118% | 628 |
| Credit loss provision to net charge-offs | 75.1880% | 2,397 |
| Earnings coverage of net charge-offs (x) | 8.2481% | 2,582 |
| Efficiency ratio | 55.6050% | 5,463 |
| Assets per employee ($millions) | 10.1045% | 254 |
| Cash dividends to net income (ytd only)* | 21.0674% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,966 |
| Loan loss allowance to noncurrent loans | 82.4895% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 4,591 |
| Noncurrent loans to loans | 0.7351% | 3,273 |
| Net loans and leases to total assets | 33.3818% | 5,927 |
| Net loans and leases to deposits | 37.6756% | 5,989 |
| Net loans and leases to core deposits | 39.4203% | 5,977 |
| Total domestic deposits to total assets | 88.6033% | 1,357 |
| Equity capital to assets | 11.2577% | 2,609 |
| Core capital (leverage) ratio | 10.1223% | 3,436 |
| Tier 1 risk-based capital ratio | 22.0684% | 1,198 |
| Total risk-based capital ratio | 22.4976% | 1,293 |
| Memoranda: | ||
| Average total assets | $197,477,000 | 3,018 |
| Average earning assets | $192,355,000 | 2,907 |
| Average equity | $21,695,670 | 3,035 |
| Average total loans | $64,600,000 | 4,324 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 5,685 |
| Cost of funding earning assets | 0.7100% | 818 |
| Net interest margin | 2.4665% | 6,054 |
| Noninterest income to average assets | 0.0839% | 6,138 |
| Noninterest expense to average assets | 1.4304% | 6,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9762% | 2,359 |
| Return on assets (ROA) | 1.0988% | 1,986 |
| Pretax return on assets | 1.1867% | 2,725 |
| Return on Equity (ROE) | 10.1210% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.1210% | 895 |
| Net charge-offs to loans | -0.0186% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5563% | 5,384 |
| Assets per employee ($millions) | 11.3495% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 5,964 |
| Loan loss allowance to noncurrent loans | 54.5338% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 4,220 |
| Noncurrent loans to loans | 1.2203% | 2,333 |
| Net loans and leases to total assets | 31.1986% | 6,026 |
| Net loans and leases to deposits | 35.1725% | 6,085 |
| Net loans and leases to core deposits | 37.6283% | 6,054 |
| Total domestic deposits to total assets | 88.7019% | 1,451 |
| Equity capital to assets | 11.1434% | 2,816 |
| Core capital (leverage) ratio | 10.0527% | 3,532 |
| Tier 1 risk-based capital ratio | 21.3690% | 1,355 |
| Total risk-based capital ratio | 21.8295% | 1,477 |
| Memoranda: | ||
| Average total assets | $200,223,000 | 3,012 |
| Average earning assets | $194,928,500 | 2,896 |
| Average equity | $21,737,000 | 3,046 |
| Average total loans | $64,660,500 | 4,346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 5,757 |
| Cost of funding earning assets | 0.7564% | 817 |
| Net interest margin | 2.5061% | 6,151 |
| Noninterest income to average assets | 0.1102% | 6,116 |
| Noninterest expense to average assets | 1.5237% | 6,284 |
| Loan and lease loss provision to assets | 0.0791% | 2,902 |
| Net operating income to assets | 0.8440% | 3,151 |
| Return on assets (ROA) | 0.9134% | 2,904 |
| Pretax return on assets | 1.0214% | 3,413 |
| Return on Equity (ROE) | 8.9653% | 2,603 |
| Retained earnings to average equity (ytd only) | 6.2494% | 1,780 |
| Net charge-offs to loans | 0.4530% | 929 |
| Credit loss provision to net charge-offs | 54.9451% | 3,380 |
| Earnings coverage of net charge-offs (x) | 7.1062% | 3,089 |
| Efficiency ratio | 59.8427% | 5,243 |
| Assets per employee ($millions) | 9.8078% | 268 |
| Cash dividends to net income (ytd only)* | 30.2943% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 6,072 |
| Loan loss allowance to noncurrent loans | 32.2679% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 3,314 |
| Noncurrent loans to loans | 2.0166% | 1,376 |
| Net loans and leases to total assets | 33.0015% | 6,084 |
| Net loans and leases to deposits | 38.0093% | 6,104 |
| Net loans and leases to core deposits | 41.2308% | 6,067 |
| Total domestic deposits to total assets | 86.8247% | 2,375 |
| Equity capital to assets | 10.5575% | 3,410 |
| Core capital (leverage) ratio | 9.8317% | 3,797 |
| Tier 1 risk-based capital ratio | 23.4814% | 1,010 |
| Total risk-based capital ratio | 23.9983% | 1,099 |
| Memoranda: | ||
| Average total assets | $189,733,000 | 3,104 |
| Average earning assets | $184,428,600 | 2,983 |
| Average equity | $19,330,000 | 3,247 |
| Average total loans | $60,270,600 | 4,480 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2544% | 5,837 |
| Cost of funding earning assets | 0.7597% | 852 |
| Net interest margin | 2.4948% | 6,230 |
| Noninterest income to average assets | 0.1084% | 6,213 |
| Noninterest expense to average assets | 1.5067% | 6,353 |
| Loan and lease loss provision to assets | 0.0354% | 3,698 |
| Net operating income to assets | 0.8708% | 3,067 |
| Return on assets (ROA) | 0.9624% | 2,705 |
| Pretax return on assets | 1.0957% | 3,204 |
| Return on Equity (ROE) | 9.5370% | 2,433 |
| Retained earnings to average equity (ytd only) | 7.9569% | 1,384 |
| Net charge-offs to loans | 0.2371% | 1,626 |
| Credit loss provision to net charge-offs | 47.6190% | 3,145 |
| Earnings coverage of net charge-offs (x) | 13.7996% | 2,191 |
| Efficiency ratio | 59.4685% | 5,255 |
| Assets per employee ($millions) | 9.7182% | 266 |
| Cash dividends to net income (ytd only)* | 16.5684% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 5,851 |
| Loan loss allowance to noncurrent loans | 89.1304% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,800 |
| Noncurrent loans to loans | 0.9089% | 3,287 |
| Net loans and leases to total assets | 30.9936% | 6,223 |
| Net loans and leases to deposits | 34.8361% | 6,275 |
| Net loans and leases to core deposits | 36.7588% | 6,266 |
| Total domestic deposits to total assets | 88.9696% | 1,257 |
| Equity capital to assets | 10.4943% | 3,567 |
| Core capital (leverage) ratio | 10.0903% | 3,539 |
| Tier 1 risk-based capital ratio | 24.7539% | 901 |
| Total risk-based capital ratio | 25.3886% | 956 |
| Memoranda: | ||
| Average total assets | $188,127,500 | 3,151 |
| Average earning assets | $182,884,250 | 3,021 |
| Average equity | $18,985,250 | 3,304 |
| Average total loans | $59,048,750 | 4,557 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 5,853 |
| Cost of funding earning assets | 0.7705% | 830 |
| Net interest margin | 2.4906% | 6,291 |
| Noninterest income to average assets | 0.1000% | 6,284 |
| Noninterest expense to average assets | 1.5265% | 6,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9017% | 2,790 |
| Return on assets (ROA) | 0.9428% | 2,682 |
| Pretax return on assets | 1.0406% | 3,319 |
| Return on Equity (ROE) | 9.4736% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.0431% | 1,746 |
| Net charge-offs to loans | 0.2394% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.2286% | 1,988 |
| Efficiency ratio | 60.5286% | 5,218 |
| Assets per employee ($millions) | 9.2976% | 298 |
| Cash dividends to net income (ytd only)* | 25.6556% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 5,935 |
| Loan loss allowance to noncurrent loans | 117.1990% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 5,120 |
| Noncurrent loans to loans | 0.6955% | 3,977 |
| Net loans and leases to total assets | 31.2145% | 6,272 |
| Net loans and leases to deposits | 35.1343% | 6,318 |
| Net loans and leases to core deposits | 37.0649% | 6,304 |
| Total domestic deposits to total assets | 88.8434% | 1,449 |
| Equity capital to assets | 10.6635% | 3,234 |
| Core capital (leverage) ratio | 9.7961% | 3,893 |
| Tier 1 risk-based capital ratio | 25.0707% | 865 |
| Total risk-based capital ratio | 25.7100% | 914 |
| Memoranda: | ||
| Average total assets | $186,049,000 | 3,194 |
| Average earning assets | $180,919,330 | 3,069 |
| Average equity | $18,514,670 | 3,359 |
| Average total loans | $58,487,670 | 4,596 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 5,955 |
| Cost of funding earning assets | 0.7768% | 850 |
| Net interest margin | 2.4589% | 6,366 |
| Noninterest income to average assets | 0.1096% | 6,299 |
| Noninterest expense to average assets | 1.6658% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7869% | 3,217 |
| Return on assets (ROA) | 0.8727% | 2,849 |
| Pretax return on assets | 0.9221% | 3,614 |
| Return on Equity (ROE) | 9.0942% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.0942% | 1,218 |
| Net charge-offs to loans | 0.2394% | 1,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.0571% | 1,808 |
| Efficiency ratio | 66.6954% | 4,413 |
| Assets per employee ($millions) | 9.6647% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 5,882 |
| Loan loss allowance to noncurrent loans | 131.6195% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 5,289 |
| Noncurrent loans to loans | 0.6806% | 4,164 |
| Net loans and leases to total assets | 29.3058% | 6,382 |
| Net loans and leases to deposits | 32.4634% | 6,421 |
| Net loans and leases to core deposits | 34.3987% | 6,401 |
| Total domestic deposits to total assets | 90.2733% | 925 |
| Equity capital to assets | 9.5973% | 4,354 |
| Core capital (leverage) ratio | 10.0235% | 3,545 |
| Tier 1 risk-based capital ratio | 25.1718% | 871 |
| Total risk-based capital ratio | 25.8699% | 906 |
| Memoranda: | ||
| Average total assets | $186,097,500 | 3,219 |
| Average earning assets | $180,732,500 | 3,087 |
| Average equity | $17,857,500 | 3,442 |
| Average total loans | $58,471,000 | 4,635 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 5,960 |
| Cost of funding earning assets | 0.8147% | 1,126 |
| Net interest margin | 2.5121% | 6,362 |
| Noninterest income to average assets | 0.1165% | 6,332 |
| Noninterest expense to average assets | 1.6094% | 6,511 |
| Loan and lease loss provision to assets | 0.2131% | 1,722 |
| Net operating income to assets | 0.7183% | 3,703 |
| Return on assets (ROA) | 0.8246% | 3,251 |
| Pretax return on assets | 0.8371% | 4,009 |
| Return on Equity (ROE) | 7.8125% | 3,135 |
| Retained earnings to average equity (ytd only) | 5.7934% | 2,105 |
| Net charge-offs to loans | 0.7494% | 853 |
| Credit loss provision to net charge-offs | 89.7129% | 2,766 |
| Earnings coverage of net charge-offs (x) | 3.9689% | 3,710 |
| Efficiency ratio | 63.0595% | 5,049 |
| Assets per employee ($millions) | 8.9451% | 338 |
| Cash dividends to net income (ytd only)* | 25.8442% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,876 |
| Loan loss allowance to noncurrent loans | 127.8037% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 5,210 |
| Noncurrent loans to loans | 0.7159% | 4,172 |
| Net loans and leases to total assets | 33.1114% | 6,331 |
| Net loans and leases to deposits | 38.0095% | 6,364 |
| Net loans and leases to core deposits | 40.4915% | 6,344 |
| Total domestic deposits to total assets | 87.1136% | 2,665 |
| Equity capital to assets | 9.5941% | 4,294 |
| Core capital (leverage) ratio | 10.1792% | 3,327 |
| Tier 1 risk-based capital ratio | 23.9532% | 960 |
| Total risk-based capital ratio | 24.6789% | 1,008 |
| Memoranda: | ||
| Average total assets | $175,962,000 | 3,320 |
| Average earning assets | $170,611,800 | 3,211 |
| Average equity | $18,572,800 | 3,329 |
| Average total loans | $55,777,000 | 4,758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 6,035 |
| Cost of funding earning assets | 0.8132% | 1,254 |
| Net interest margin | 2.5040% | 6,422 |
| Noninterest income to average assets | 0.1096% | 6,454 |
| Noninterest expense to average assets | 1.6040% | 6,551 |
| Loan and lease loss provision to assets | 0.2473% | 1,446 |
| Net operating income to assets | 0.6360% | 4,191 |
| Return on assets (ROA) | 0.7563% | 3,703 |
| Pretax return on assets | 0.8149% | 4,235 |
| Return on Equity (ROE) | 7.0029% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.6784% | 2,615 |
| Net charge-offs to loans | 0.9883% | 581 |
| Credit loss provision to net charge-offs | 80.0493% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.0197% | 3,832 |
| Efficiency ratio | 63.2274% | 4,941 |
| Assets per employee ($millions) | 8.7382% | 349 |
| Cash dividends to net income (ytd only)* | 18.9135% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 5,913 |
| Loan loss allowance to noncurrent loans | 110.6522% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 5,172 |
| Noncurrent loans to loans | 0.8606% | 4,098 |
| Net loans and leases to total assets | 30.2953% | 6,526 |
| Net loans and leases to deposits | 33.7279% | 6,575 |
| Net loans and leases to core deposits | 36.1918% | 6,553 |
| Total domestic deposits to total assets | 89.8228% | 1,097 |
| Equity capital to assets | 9.9392% | 3,989 |
| Core capital (leverage) ratio | 10.4046% | 3,102 |
| Tier 1 risk-based capital ratio | 26.1550% | 776 |
| Total risk-based capital ratio | 26.9008% | 803 |
| Memoranda: | ||
| Average total assets | $175,227,000 | 3,359 |
| Average earning assets | $169,854,750 | 3,243 |
| Average equity | $18,925,000 | 3,319 |
| Average total loans | $54,775,250 | 4,828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 6,038 |
| Cost of funding earning assets | 0.8112% | 1,364 |
| Net interest margin | 2.5182% | 6,427 |
| Noninterest income to average assets | 0.1118% | 6,487 |
| Noninterest expense to average assets | 1.5520% | 6,636 |
| Loan and lease loss provision to assets | 0.1425% | 2,549 |
| Net operating income to assets | 0.7906% | 3,345 |
| Return on assets (ROA) | 0.9123% | 2,870 |
| Pretax return on assets | 0.9921% | 3,542 |
| Return on Equity (ROE) | 8.2290% | 2,975 |
| Retained earnings to average equity (ytd only) | 6.2952% | 2,265 |
| Net charge-offs to loans | 0.7027% | 930 |
| Credit loss provision to net charge-offs | 64.4330% | 2,939 |
| Earnings coverage of net charge-offs (x) | 4.5309% | 3,104 |
| Efficiency ratio | 60.7589% | 5,371 |
| Assets per employee ($millions) | 8.5281% | 374 |
| Cash dividends to net income (ytd only)* | 23.5000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 5,865 |
| Loan loss allowance to noncurrent loans | 41.1858% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 4,270 |
| Noncurrent loans to loans | 2.4035% | 1,959 |
| Net loans and leases to total assets | 30.5519% | 6,557 |
| Net loans and leases to deposits | 34.1642% | 6,604 |
| Net loans and leases to core deposits | 37.3382% | 6,563 |
| Total domestic deposits to total assets | 89.4267% | 1,363 |
| Equity capital to assets | 10.4548% | 3,364 |
| Core capital (leverage) ratio | 10.2092% | 3,218 |
| Tier 1 risk-based capital ratio | 26.9790% | 695 |
| Total risk-based capital ratio | 27.7512% | 715 |
| Memoranda: | ||
| Average total assets | $175,381,670 | 3,370 |
| Average earning assets | $170,120,000 | 3,252 |
| Average equity | $19,443,330 | 3,269 |
| Average total loans | $55,215,670 | 4,843 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 6,169 |
| Cost of funding earning assets | 0.7882% | 1,595 |
| Net interest margin | 2.5017% | 6,507 |
| Noninterest income to average assets | 0.1215% | 6,494 |
| Noninterest expense to average assets | 1.4849% | 6,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8432% | 2,934 |
| Return on assets (ROA) | 0.8774% | 2,913 |
| Pretax return on assets | 1.1002% | 2,948 |
| Return on Equity (ROE) | 7.7041% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.7041% | 1,856 |
| Net charge-offs to loans | -0.1133% | 6,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4071% | 5,799 |
| Assets per employee ($millions) | 9.0912% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 5,524 |
| Loan loss allowance to noncurrent loans | 136.7946% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,724 |
| Noncurrent loans to loans | 0.8185% | 4,484 |
| Net loans and leases to total assets | 29.4351% | 6,624 |
| Net loans and leases to deposits | 33.4762% | 6,656 |
| Net loans and leases to core deposits | 36.5484% | 6,609 |
| Total domestic deposits to total assets | 87.9284% | 2,362 |
| Equity capital to assets | 11.1212% | 2,824 |
| Core capital (leverage) ratio | 10.1342% | 3,237 |
| Tier 1 risk-based capital ratio | 26.1174% | 773 |
| Total risk-based capital ratio | 26.9977% | 803 |
| Memoranda: | ||
| Average total assets | $177,791,500 | 3,372 |
| Average earning assets | $172,042,000 | 3,254 |
| Average equity | $20,249,000 | 3,225 |
| Average total loans | $56,508,000 | 4,839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 6,172 |
| Cost of funding earning assets | 0.8758% | 2,090 |
| Net interest margin | 2.7524% | 6,447 |
| Noninterest income to average assets | 0.1431% | 6,321 |
| Noninterest expense to average assets | 1.5523% | 6,833 |
| Loan and lease loss provision to assets | 0.0599% | 5,029 |
| Net operating income to assets | 0.9611% | 2,495 |
| Return on assets (ROA) | 1.0560% | 2,291 |
| Pretax return on assets | 1.2697% | 2,525 |
| Return on Equity (ROE) | 8.9320% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.5901% | 2,323 |
| Net charge-offs to loans | -0.0184% | 6,540 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0891% | 6,047 |
| Assets per employee ($millions) | 8.6880% | 364 |
| Cash dividends to net income (ytd only)* | 37.4150% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 5,952 |
| Loan loss allowance to noncurrent loans | 199.3243% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 6,038 |
| Noncurrent loans to loans | 0.5026% | 5,280 |
| Net loans and leases to total assets | 33.5522% | 6,566 |
| Net loans and leases to deposits | 38.8234% | 6,605 |
| Net loans and leases to core deposits | 44.4604% | 6,442 |
| Total domestic deposits to total assets | 86.4226% | 3,140 |
| Equity capital to assets | 11.6696% | 2,293 |
| Core capital (leverage) ratio | 10.0169% | 3,376 |
| Tier 1 risk-based capital ratio | 24.4197% | 919 |
| Total risk-based capital ratio | 25.2388% | 954 |
| Memoranda: | ||
| Average total assets | $167,046,000 | 3,503 |
| Average earning assets | $159,278,400 | 3,387 |
| Average equity | $19,749,200 | 3,227 |
| Average total loans | $54,466,400 | 4,920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 6,251 |
| Cost of funding earning assets | 0.8820% | 2,295 |
| Net interest margin | 2.8013% | 6,498 |
| Noninterest income to average assets | 0.1443% | 6,422 |
| Noninterest expense to average assets | 1.5101% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0835% | 2,156 |
| Return on assets (ROA) | 1.2086% | 1,885 |
| Pretax return on assets | 1.4481% | 2,087 |
| Return on Equity (ROE) | 10.1881% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.4006% | 1,443 |
| Net charge-offs to loans | -0.0800% | 6,809 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7909% | 6,273 |
| Assets per employee ($millions) | 8.8021% | 358 |
| Cash dividends to net income (ytd only)* | 17.5451% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,354 |
| Loan loss allowance to noncurrent loans | 149.2711% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 6,116 |
| Noncurrent loans to loans | 0.6095% | 5,215 |
| Net loans and leases to total assets | 31.6767% | 6,762 |
| Net loans and leases to deposits | 36.4080% | 6,805 |
| Net loans and leases to core deposits | 40.5268% | 6,723 |
| Total domestic deposits to total assets | 87.0047% | 2,664 |
| Equity capital to assets | 11.7194% | 2,511 |
| Core capital (leverage) ratio | 10.4821% | 2,932 |
| Tier 1 risk-based capital ratio | 25.6521% | 854 |
| Total risk-based capital ratio | 26.3933% | 886 |
| Memoranda: | ||
| Average total assets | $165,367,750 | 3,561 |
| Average earning assets | $157,211,000 | 3,461 |
| Average equity | $19,617,250 | 3,278 |
| Average total loans | $53,360,500 | 5,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 6,247 |
| Cost of funding earning assets | 0.8903% | 2,482 |
| Net interest margin | 2.8617% | 6,476 |
| Noninterest income to average assets | 0.1236% | 6,565 |
| Noninterest expense to average assets | 1.5611% | 6,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0882% | 2,082 |
| Return on assets (ROA) | 1.2274% | 1,809 |
| Pretax return on assets | 1.4696% | 1,954 |
| Return on Equity (ROE) | 10.3012% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.5729% | 1,829 |
| Net charge-offs to loans | 0.0344% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 117.2222% | 372 |
| Efficiency ratio | 54.4866% | 6,273 |
| Assets per employee ($millions) | 8.2000% | 432 |
| Cash dividends to net income (ytd only)* | 26.4854% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,459 |
| Loan loss allowance to noncurrent loans | 157.5251% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 6,214 |
| Noncurrent loans to loans | 0.5704% | 5,369 |
| Net loans and leases to total assets | 31.6740% | 6,822 |
| Net loans and leases to deposits | 36.5221% | 6,857 |
| Net loans and leases to core deposits | 40.2095% | 6,800 |
| Total domestic deposits to total assets | 86.7255% | 2,945 |
| Equity capital to assets | 12.0763% | 2,093 |
| Core capital (leverage) ratio | 10.3109% | 3,035 |
| Tier 1 risk-based capital ratio | 25.7940% | 823 |
| Total risk-based capital ratio | 26.4997% | 865 |
| Memoranda: | ||
| Average total assets | $161,810,000 | 3,630 |
| Average earning assets | $155,011,000 | 3,517 |
| Average equity | $19,279,330 | 3,311 |
| Average total loans | $52,388,670 | 5,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 6,251 |
| Cost of funding earning assets | 0.8932% | 2,742 |
| Net interest margin | 2.9037% | 6,482 |
| Noninterest income to average assets | 0.1294% | 6,601 |
| Noninterest expense to average assets | 1.5331% | 7,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1340% | 1,943 |
| Return on assets (ROA) | 1.4087% | 1,356 |
| Pretax return on assets | 1.7024% | 1,294 |
| Return on Equity (ROE) | 11.9055% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.9055% | 833 |
| Net charge-offs to loans | 0.1451% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 947 |
| Efficiency ratio | 52.7849% | 6,465 |
| Assets per employee ($millions) | 8.7703% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,539 |
| Loan loss allowance to noncurrent loans | 124.5946% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 6,331 |
| Noncurrent loans to loans | 0.7206% | 5,219 |
| Net loans and leases to total assets | 30.5360% | 6,884 |
| Net loans and leases to deposits | 34.9805% | 6,919 |
| Net loans and leases to core deposits | 39.3635% | 6,837 |
| Total domestic deposits to total assets | 87.2945% | 2,771 |
| Equity capital to assets | 11.6253% | 2,326 |
| Core capital (leverage) ratio | 10.5647% | 2,680 |
| Tier 1 risk-based capital ratio | 26.1462% | 793 |
| Total risk-based capital ratio | 26.8530% | 823 |
| Memoranda: | ||
| Average total assets | $160,715,500 | 3,671 |
| Average earning assets | $153,599,500 | 3,556 |
| Average equity | $19,016,500 | 3,348 |
| Average total loans | $52,375,000 | 5,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 5,725 |
| Cost of funding earning assets | 1.0803% | 2,803 |
| Net interest margin | 3.2326% | 6,004 |
| Noninterest income to average assets | 0.1364% | 6,472 |
| Noninterest expense to average assets | 1.7698% | 6,988 |
| Loan and lease loss provision to assets | 0.2329% | 3,875 |
| Net operating income to assets | 1.0600% | 1,962 |
| Return on assets (ROA) | 1.1218% | 1,872 |
| Pretax return on assets | 1.3054% | 2,111 |
| Return on Equity (ROE) | 9.7000% | 2,165 |
| Retained earnings to average equity (ytd only) | 7.1110% | 1,444 |
| Net charge-offs to loans | 0.7668% | 2,242 |
| Credit loss provision to net charge-offs | 85.7843% | 4,208 |
| Earnings coverage of net charge-offs (x) | 5.4020% | 2,802 |
| Efficiency ratio | 54.6875% | 6,452 |
| Assets per employee ($millions) | 8.1471% | 449 |
| Cash dividends to net income (ytd only)* | 26.6904% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 6,538 |
| Loan loss allowance to noncurrent loans | 119.7007% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 6,319 |
| Noncurrent loans to loans | 0.7509% | 5,199 |
| Net loans and leases to total assets | 34.1904% | 6,859 |
| Net loans and leases to deposits | 39.6305% | 6,901 |
| Net loans and leases to core deposits | 43.9872% | 6,814 |
| Total domestic deposits to total assets | 86.2728% | 3,155 |
| Equity capital to assets | 12.0553% | 2,082 |
| Core capital (leverage) ratio | 10.5087% | 2,725 |
| Tier 1 risk-based capital ratio | 25.5328% | 819 |
| Total risk-based capital ratio | 26.2762% | 858 |
| Memoranda: | ||
| Average total assets | $150,298,600 | 3,793 |
| Average earning assets | $144,126,000 | 3,672 |
| Average equity | $17,381,400 | 3,520 |
| Average total loans | $53,210,200 | 5,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 5,640 |
| Cost of funding earning assets | 1.1201% | 2,830 |
| Net interest margin | 3.2699% | 5,955 |
| Noninterest income to average assets | 0.1278% | 6,613 |
| Noninterest expense to average assets | 1.7411% | 7,052 |
| Loan and lease loss provision to assets | 0.0447% | 5,882 |
| Net operating income to assets | 1.2209% | 1,596 |
| Return on assets (ROA) | 1.2906% | 1,499 |
| Pretax return on assets | 1.5570% | 1,495 |
| Return on Equity (ROE) | 11.2844% | 1,766 |
| Retained earnings to average equity (ytd only) | 9.2291% | 1,064 |
| Net charge-offs to loans | 0.2333% | 3,968 |
| Credit loss provision to net charge-offs | 53.7634% | 4,953 |
| Earnings coverage of net charge-offs (x) | 18.2576% | 1,312 |
| Efficiency ratio | 53.4284% | 6,550 |
| Assets per employee ($millions) | 7.9199% | 483 |
| Cash dividends to net income (ytd only)* | 18.2134% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,520 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 6,401 |
| Noncurrent loans to loans | 0.6768% | 5,531 |
| Net loans and leases to total assets | 33.3649% | 6,983 |
| Net loans and leases to deposits | 38.3347% | 7,025 |
| Net loans and leases to core deposits | 42.6360% | 6,962 |
| Total domestic deposits to total assets | 87.0357% | 2,633 |
| Equity capital to assets | 11.7837% | 2,421 |
| Core capital (leverage) ratio | 10.9050% | 2,472 |
| Tier 1 risk-based capital ratio | 25.2633% | 889 |
| Total risk-based capital ratio | 26.0243% | 922 |
| Memoranda: | ||
| Average total assets | $149,174,500 | 3,840 |
| Average earning assets | $142,834,750 | 3,721 |
| Average equity | $17,061,500 | 3,575 |
| Average total loans | $53,161,500 | 5,196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 5,336 |
| Cost of funding earning assets | 1.1689% | 2,782 |
| Net interest margin | 3.3366% | 5,754 |
| Noninterest income to average assets | 0.1287% | 6,678 |
| Noninterest expense to average assets | 1.7810% | 7,103 |
| Loan and lease loss provision to assets | 0.0684% | 5,451 |
| Net operating income to assets | 1.2057% | 1,549 |
| Return on assets (ROA) | 1.3101% | 1,362 |
| Pretax return on assets | 1.5989% | 1,261 |
| Return on Equity (ROE) | 11.5810% | 1,612 |
| Retained earnings to average equity (ytd only) | 8.3984% | 1,302 |
| Net charge-offs to loans | 0.2975% | 3,384 |
| Credit loss provision to net charge-offs | 63.2911% | 4,260 |
| Earnings coverage of net charge-offs (x) | 14.2405% | 1,493 |
| Efficiency ratio | 53.6274% | 6,654 |
| Assets per employee ($millions) | 7.3746% | 607 |
| Cash dividends to net income (ytd only)* | 27.4817% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 6,452 |
| Loan loss allowance to noncurrent loans | 145.1429% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 6,331 |
| Noncurrent loans to loans | 0.6679% | 5,572 |
| Net loans and leases to total assets | 35.1866% | 7,001 |
| Net loans and leases to deposits | 40.3572% | 7,052 |
| Net loans and leases to core deposits | 45.2360% | 6,968 |
| Total domestic deposits to total assets | 87.1877% | 2,630 |
| Equity capital to assets | 11.8651% | 2,198 |
| Core capital (leverage) ratio | 10.6048% | 2,615 |
| Tier 1 risk-based capital ratio | 25.3111% | 876 |
| Total risk-based capital ratio | 26.1175% | 897 |
| Memoranda: | ||
| Average total assets | $146,100,330 | 3,918 |
| Average earning assets | $139,783,670 | 3,794 |
| Average equity | $16,527,000 | 3,645 |
| Average total loans | $53,101,000 | 5,243 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 5,393 |
| Cost of funding earning assets | 1.1810% | 2,940 |
| Net interest margin | 3.3032% | 5,766 |
| Noninterest income to average assets | 0.1320% | 6,753 |
| Noninterest expense to average assets | 1.8019% | 7,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2346% | 1,442 |
| Return on assets (ROA) | 1.3039% | 1,298 |
| Pretax return on assets | 1.5598% | 1,282 |
| Return on Equity (ROE) | 11.8201% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.8201% | 763 |
| Net charge-offs to loans | 0.3293% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 12.2045% | 1,506 |
| Efficiency ratio | 54.9497% | 6,609 |
| Assets per employee ($millions) | 7.5040% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,565 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 6,077 |
| Noncurrent loans to loans | 1.0750% | 4,899 |
| Net loans and leases to total assets | 34.4432% | 7,076 |
| Net loans and leases to deposits | 38.9552% | 7,136 |
| Net loans and leases to core deposits | 43.3436% | 7,061 |
| Total domestic deposits to total assets | 88.4174% | 2,133 |
| Equity capital to assets | 10.9849% | 2,703 |
| Core capital (leverage) ratio | 10.8835% | 2,275 |
| Tier 1 risk-based capital ratio | 24.8530% | 890 |
| Total risk-based capital ratio | 25.6322% | 919 |
| Memoranda: | ||
| Average total assets | $145,405,000 | 3,970 |
| Average earning assets | $138,530,500 | 3,848 |
| Average equity | $16,040,500 | 3,722 |
| Average total loans | $53,449,000 | 5,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 5,830 |
| Cost of funding earning assets | 1.3346% | 3,661 |
| Net interest margin | 3.3572% | 5,769 |
| Noninterest income to average assets | 0.1964% | 6,368 |
| Noninterest expense to average assets | 1.8221% | 7,243 |
| Loan and lease loss provision to assets | 0.1068% | 6,082 |
| Net operating income to assets | 1.2293% | 1,344 |
| Return on assets (ROA) | 1.2748% | 1,298 |
| Pretax return on assets | 1.5531% | 1,237 |
| Return on Equity (ROE) | 11.3976% | 1,481 |
| Retained earnings to average equity (ytd only) | 8.0566% | 966 |
| Net charge-offs to loans | 0.1078% | 5,793 |
| Credit loss provision to net charge-offs | 263.1579% | 1,066 |
| Earnings coverage of net charge-offs (x) | 39.5439% | 587 |
| Efficiency ratio | 53.1782% | 6,876 |
| Assets per employee ($millions) | 7.4069% | 616 |
| Cash dividends to net income (ytd only)* | 29.3132% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,454 |
| Loan loss allowance to noncurrent loans | 145.5285% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 6,383 |
| Noncurrent loans to loans | 0.6744% | 5,695 |
| Net loans and leases to total assets | 38.4961% | 7,050 |
| Net loans and leases to deposits | 44.2369% | 7,114 |
| Net loans and leases to core deposits | 50.2262% | 6,969 |
| Total domestic deposits to total assets | 87.0228% | 2,808 |
| Equity capital to assets | 11.0814% | 2,619 |
| Core capital (leverage) ratio | 10.5623% | 2,496 |
| Tier 1 risk-based capital ratio | 23.6959% | 961 |
| Total risk-based capital ratio | 24.5319% | 987 |
| Memoranda: | ||
| Average total assets | $140,495,200 | 4,045 |
| Average earning assets | $135,173,000 | 3,909 |
| Average equity | $15,713,800 | 3,816 |
| Average total loans | $52,868,400 | 5,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 6,044 |
| Cost of funding earning assets | 1.3454% | 3,936 |
| Net interest margin | 3.3482% | 5,854 |
| Noninterest income to average assets | 0.2070% | 6,423 |
| Noninterest expense to average assets | 1.7849% | 7,345 |
| Loan and lease loss provision to assets | 0.0475% | 6,608 |
| Net operating income to assets | 1.2910% | 1,354 |
| Return on assets (ROA) | 1.3510% | 1,296 |
| Pretax return on assets | 1.6690% | 1,171 |
| Return on Equity (ROE) | 12.0513% | 1,487 |
| Retained earnings to average equity (ytd only) | 9.8239% | 838 |
| Net charge-offs to loans | 0.0992% | 5,534 |
| Credit loss provision to net charge-offs | 128.2051% | 3,170 |
| Earnings coverage of net charge-offs (x) | 44.3579% | 632 |
| Efficiency ratio | 52.0776% | 6,967 |
| Assets per employee ($millions) | 7.7241% | 560 |
| Cash dividends to net income (ytd only)* | 18.4822% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 6,857 |
| Loan loss allowance to noncurrent loans | 121.0106% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 6,534 |
| Noncurrent loans to loans | 0.7131% | 5,785 |
| Net loans and leases to total assets | 35.6160% | 7,278 |
| Net loans and leases to deposits | 40.8760% | 7,345 |
| Net loans and leases to core deposits | 46.4403% | 7,254 |
| Total domestic deposits to total assets | 87.1318% | 2,458 |
| Equity capital to assets | 11.5892% | 2,462 |
| Core capital (leverage) ratio | 10.8427% | 2,379 |
| Tier 1 risk-based capital ratio | 23.6378% | 988 |
| Total risk-based capital ratio | 24.3479% | 1,022 |
| Memoranda: | ||
| Average total assets | $140,436,250 | 4,100 |
| Average earning assets | $135,075,750 | 3,970 |
| Average equity | $15,743,500 | 3,853 |
| Average total loans | $52,407,250 | 5,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 5,997 |
| Cost of funding earning assets | 1.3651% | 4,087 |
| Net interest margin | 3.3797% | 5,717 |
| Noninterest income to average assets | 0.2328% | 6,241 |
| Noninterest expense to average assets | 1.8174% | 7,369 |
| Loan and lease loss provision to assets | 0.0723% | 6,222 |
| Net operating income to assets | 1.3019% | 1,301 |
| Return on assets (ROA) | 1.3909% | 1,178 |
| Pretax return on assets | 1.7104% | 1,041 |
| Return on Equity (ROE) | 12.5571% | 1,339 |
| Retained earnings to average equity (ytd only) | 9.1241% | 1,071 |
| Net charge-offs to loans | 0.1338% | 4,873 |
| Credit loss provision to net charge-offs | 142.8571% | 2,780 |
| Earnings coverage of net charge-offs (x) | 33.0571% | 850 |
| Efficiency ratio | 52.0713% | 7,059 |
| Assets per employee ($millions) | 7.2001% | 700 |
| Cash dividends to net income (ytd only)* | 27.3389% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 6,848 |
| Loan loss allowance to noncurrent loans | 211.5207% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 6,781 |
| Noncurrent loans to loans | 0.4121% | 6,420 |
| Net loans and leases to total assets | 38.1544% | 7,262 |
| Net loans and leases to deposits | 43.6838% | 7,331 |
| Net loans and leases to core deposits | 50.0029% | 7,208 |
| Total domestic deposits to total assets | 87.3423% | 2,360 |
| Equity capital to assets | 11.6197% | 2,337 |
| Core capital (leverage) ratio | 10.3837% | 2,732 |
| Tier 1 risk-based capital ratio | 23.3914% | 1,012 |
| Total risk-based capital ratio | 24.1226% | 1,062 |
| Memoranda: | ||
| Average total assets | $138,329,330 | 4,169 |
| Average earning assets | $133,325,670 | 4,036 |
| Average equity | $15,322,000 | 3,932 |
| Average total loans | $52,301,670 | 5,499 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 6,178 |
| Cost of funding earning assets | 1.3369% | 4,582 |
| Net interest margin | 3.3827% | 5,650 |
| Noninterest income to average assets | 0.1553% | 6,858 |
| Noninterest expense to average assets | 1.7686% | 7,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3459% | 1,194 |
| Return on assets (ROA) | 1.4638% | 1,029 |
| Pretax return on assets | 1.7830% | 909 |
| Return on Equity (ROE) | 13.5417% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.5417% | 553 |
| Net charge-offs to loans | 0.0844% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 51.8182% | 560 |
| Efficiency ratio | 51.8987% | 7,168 |
| Assets per employee ($millions) | 7.6283% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 7,031 |
| Loan loss allowance to noncurrent loans | 140.5844% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 6,738 |
| Noncurrent loans to loans | 0.5956% | 6,118 |
| Net loans and leases to total assets | 35.3820% | 7,447 |
| Net loans and leases to deposits | 39.9676% | 7,518 |
| Net loans and leases to core deposits | 46.0395% | 7,428 |
| Total domestic deposits to total assets | 88.5268% | 1,776 |
| Equity capital to assets | 10.5852% | 3,159 |
| Core capital (leverage) ratio | 10.6091% | 2,528 |
| Tier 1 risk-based capital ratio | 22.6979% | 1,119 |
| Total risk-based capital ratio | 23.3760% | 1,168 |
| Memoranda: | ||
| Average total assets | $139,093,000 | 4,211 |
| Average earning assets | $133,737,500 | 4,080 |
| Average equity | $15,035,000 | 4,008 |
| Average total loans | $52,125,000 | 5,576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 5,918 |
| Cost of funding earning assets | 1.5605% | 5,222 |
| Net interest margin | 3.5802% | 4,618 |
| Noninterest income to average assets | 0.1872% | 6,748 |
| Noninterest expense to average assets | 1.9525% | 7,437 |
| Loan and lease loss provision to assets | 0.0793% | 6,811 |
| Net operating income to assets | 1.2840% | 1,060 |
| Return on assets (ROA) | 1.3011% | 1,078 |
| Pretax return on assets | 1.6225% | 918 |
| Return on Equity (ROE) | 11.4926% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.8136% | 748 |
| Net charge-offs to loans | 0.1594% | 5,682 |
| Credit loss provision to net charge-offs | 128.2051% | 4,027 |
| Earnings coverage of net charge-offs (x) | 27.1538% | 831 |
| Efficiency ratio | 53.7454% | 7,255 |
| Assets per employee ($millions) | 7.0131% | 786 |
| Cash dividends to net income (ytd only)* | 32.0122% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 6,997 |
| Loan loss allowance to noncurrent loans | 236.1702% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 7,127 |
| Noncurrent loans to loans | 0.3579% | 6,559 |
| Net loans and leases to total assets | 39.0933% | 7,399 |
| Net loans and leases to deposits | 45.6254% | 7,459 |
| Net loans and leases to core deposits | 59.4192% | 7,287 |
| Total domestic deposits to total assets | 85.6831% | 3,176 |
| Equity capital to assets | 11.0531% | 2,669 |
| Core capital (leverage) ratio | 10.5074% | 2,597 |
| Tier 1 risk-based capital ratio | 22.5630% | 1,083 |
| Total risk-based capital ratio | 23.2793% | 1,121 |
| Memoranda: | ||
| Average total assets | $126,042,600 | 4,428 |
| Average earning assets | $121,306,400 | 4,284 |
| Average equity | $14,270,000 | 4,196 |
| Average total loans | $48,941,400 | 5,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 6,123 |
| Cost of funding earning assets | 1.5908% | 5,451 |
| Net interest margin | 3.5551% | 4,655 |
| Noninterest income to average assets | 0.1781% | 6,945 |
| Noninterest expense to average assets | 1.9295% | 7,496 |
| Loan and lease loss provision to assets | 0.0537% | 6,841 |
| Net operating income to assets | 1.2459% | 1,354 |
| Return on assets (ROA) | 1.2567% | 1,388 |
| Pretax return on assets | 1.6312% | 1,111 |
| Return on Equity (ROE) | 11.0296% | 1,616 |
| Retained earnings to average equity (ytd only) | 8.5524% | 957 |
| Net charge-offs to loans | 0.1193% | 5,505 |
| Credit loss provision to net charge-offs | 116.2791% | 4,369 |
| Earnings coverage of net charge-offs (x) | 36.2105% | 806 |
| Efficiency ratio | 53.5917% | 7,280 |
| Assets per employee ($millions) | 6.9924% | 795 |
| Cash dividends to net income (ytd only)* | 22.4596% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,944 |
| Loan loss allowance to noncurrent loans | 241.0112% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 7,209 |
| Noncurrent loans to loans | 0.3537% | 6,645 |
| Net loans and leases to total assets | 37.5620% | 7,567 |
| Net loans and leases to deposits | 43.7546% | 7,628 |
| Net loans and leases to core deposits | 55.8243% | 7,548 |
| Total domestic deposits to total assets | 85.8470% | 2,782 |
| Equity capital to assets | 11.2852% | 2,761 |
| Core capital (leverage) ratio | 10.7442% | 2,609 |
| Tier 1 risk-based capital ratio | 22.9932% | 1,110 |
| Total risk-based capital ratio | 23.7092% | 1,155 |
| Memoranda: | ||
| Average total assets | $124,241,250 | 4,495 |
| Average earning assets | $119,600,500 | 4,355 |
| Average equity | $14,155,500 | 4,251 |
| Average total loans | $48,043,000 | 5,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 6,078 |
| Cost of funding earning assets | 1.6264% | 5,629 |
| Net interest margin | 3.5729% | 4,481 |
| Noninterest income to average assets | 0.1763% | 7,035 |
| Noninterest expense to average assets | 1.9560% | 7,545 |
| Loan and lease loss provision to assets | 0.0824% | 6,357 |
| Net operating income to assets | 1.2807% | 1,275 |
| Return on assets (ROA) | 1.2820% | 1,361 |
| Pretax return on assets | 1.5786% | 1,257 |
| Return on Equity (ROE) | 11.2133% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.4227% | 1,426 |
| Net charge-offs to loans | 0.1819% | 4,431 |
| Credit loss provision to net charge-offs | 116.2791% | 3,988 |
| Earnings coverage of net charge-offs (x) | 23.4186% | 1,185 |
| Efficiency ratio | 54.1021% | 7,318 |
| Assets per employee ($millions) | 6.2942% | 1,058 |
| Cash dividends to net income (ytd only)* | 33.8046% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 6,828 |
| Loan loss allowance to noncurrent loans | 195.0000% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 7,110 |
| Noncurrent loans to loans | 0.4543% | 6,389 |
| Net loans and leases to total assets | 38.1243% | 7,632 |
| Net loans and leases to deposits | 43.8535% | 7,707 |
| Net loans and leases to core deposits | 56.5877% | 7,572 |
| Total domestic deposits to total assets | 86.9355% | 2,285 |
| Equity capital to assets | 11.0134% | 2,912 |
| Core capital (leverage) ratio | 10.7859% | 2,578 |
| Tier 1 risk-based capital ratio | 23.2524% | 1,113 |
| Total risk-based capital ratio | 23.9976% | 1,131 |
| Memoranda: | ||
| Average total assets | $121,370,000 | 4,594 |
| Average earning assets | $116,824,330 | 4,449 |
| Average equity | $13,876,330 | 4,334 |
| Average total loans | $47,280,000 | 5,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 6,056 |
| Cost of funding earning assets | 1.6365% | 5,879 |
| Net interest margin | 3.6262% | 4,208 |
| Noninterest income to average assets | 0.1545% | 7,203 |
| Noninterest expense to average assets | 1.8873% | 7,571 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4781% | 977 |
| Return on assets (ROA) | 1.4809% | 1,045 |
| Pretax return on assets | 1.7529% | 1,072 |
| Return on Equity (ROE) | 12.7066% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.7066% | 684 |
| Net charge-offs to loans | 0.2655% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 16.8065% | 1,533 |
| Efficiency ratio | 51.8929% | 7,433 |
| Assets per employee ($millions) | 6.0346% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 7,033 |
| Loan loss allowance to noncurrent loans | 583.5821% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 7,435 |
| Noncurrent loans to loans | 0.1430% | 7,111 |
| Net loans and leases to total assets | 38.4942% | 7,645 |
| Net loans and leases to deposits | 44.0612% | 7,720 |
| Net loans and leases to core deposits | 55.4046% | 7,640 |
| Total domestic deposits to total assets | 87.3653% | 2,030 |
| Equity capital to assets | 11.7523% | 2,406 |
| Core capital (leverage) ratio | 11.3169% | 2,265 |
| Tier 1 risk-based capital ratio | 24.0461% | 1,075 |
| Total risk-based capital ratio | 24.7525% | 1,119 |
| Memoranda: | ||
| Average total assets | $119,113,500 | 4,678 |
| Average earning assets | $114,390,500 | 4,522 |
| Average equity | $13,882,500 | 4,362 |
| Average total loans | $46,709,500 | 5,929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 7,326 |
| Cost of funding earning assets | 2.2243% | 5,484 |
| Net interest margin | 3.2651% | 6,162 |
| Noninterest income to average assets | 0.1915% | 7,087 |
| Noninterest expense to average assets | 2.0188% | 7,405 |
| Loan and lease loss provision to assets | 0.0899% | 6,257 |
| Net operating income to assets | 0.8408% | 3,262 |
| Return on assets (ROA) | 0.8948% | 2,864 |
| Pretax return on assets | 1.2895% | 2,346 |
| Return on Equity (ROE) | 7.7580% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.0115% | 1,530 |
| Net charge-offs to loans | 0.1473% | 4,740 |
| Credit loss provision to net charge-offs | 158.7302% | 3,258 |
| Earnings coverage of net charge-offs (x) | 22.9683% | 1,439 |
| Efficiency ratio | 60.8072% | 6,199 |
| Assets per employee ($millions) | 5.8768% | 1,208 |
| Cash dividends to net income (ytd only)* | 22.5126% | 4,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,642 |
| Loan loss allowance to noncurrent loans | 620.5882% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 7,339 |
| Noncurrent loans to loans | 0.1460% | 6,974 |
| Net loans and leases to total assets | 39.2620% | 7,705 |
| Net loans and leases to deposits | 46.9924% | 7,752 |
| Net loans and leases to core deposits | 59.6191% | 7,597 |
| Total domestic deposits to total assets | 83.5497% | 3,555 |
| Equity capital to assets | 11.5548% | 2,600 |
| Core capital (leverage) ratio | 10.9851% | 2,602 |
| Tier 1 risk-based capital ratio | 23.6086% | 1,129 |
| Total risk-based capital ratio | 24.3827% | 1,152 |
| Memoranda: | ||
| Average total assets | $111,204,000 | 4,741 |
| Average earning assets | $106,550,600 | 4,603 |
| Average equity | $12,825,400 | 4,617 |
| Average total loans | $42,768,400 | 6,035 |