Home > First Security State Bank > Performance and Condition Ratios
First Security State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,330 |
| Cost of funding earning assets | 0.5426% | 4,153 |
| Net interest margin | 3.0902% | 3,114 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.7293% | 1,668 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9941% | 2,239 |
| Return on assets (ROA) | 0.9941% | 2,222 |
| Pretax return on assets | 0.9941% | 2,703 |
| Return on Equity (ROE) | 53.8600% | 46 |
| Retained earnings to average equity (ytd only) | 19.0572% | 151 |
| Net charge-offs to loans | 0.0529% | 1,342 |
| Credit loss provision to net charge-offs | 69.4444% | 2,092 |
| Earnings coverage of net charge-offs (x) | 45.4444% | 1,352 |
| Efficiency ratio | 72.9988% | 1,557 |
| Assets per employee ($millions) | 5.1595% | 3,515 |
| Cash dividends to net income (ytd only)* | 64.6182% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,096 |
| Loan loss allowance to noncurrent loans | 2,980.7692% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,646 |
| Noncurrent loans to loans | 0.0350% | 3,484 |
| Net loans and leases to total assets | 44.5000% | 3,877 |
| Net loans and leases to deposits | 45.7651% | 4,055 |
| Net loans and leases to core deposits | 47.6085% | 4,134 |
| Total domestic deposits to total assets | 97.2300% | 28 |
| Equity capital to assets | 2.4324% | 4,557 |
| Core capital (leverage) ratio | 7.7161% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2999% | 864 |
| Memoranda: | ||
| Average total assets | $162,054,000 | 3,261 |
| Average earning assets | $155,166,000 | 3,209 |
| Average equity | $2,991,000 | 4,429 |
| Average total loans | $68,054,400 | 3,578 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 4,374 |
| Cost of funding earning assets | 0.4847% | 4,158 |
| Net interest margin | 3.0359% | 3,265 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.7403% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9465% | 2,525 |
| Return on assets (ROA) | 0.9465% | 2,514 |
| Pretax return on assets | 0.9465% | 2,986 |
| Return on Equity (ROE) | 55.8200% | 59 |
| Retained earnings to average equity (ytd only) | 18.6728% | 311 |
| Net charge-offs to loans | 0.0662% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 34.6970% | 1,521 |
| Efficiency ratio | 74.3274% | 1,336 |
| Assets per employee ($millions) | 5.6446% | 3,068 |
| Cash dividends to net income (ytd only)* | 66.5502% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,047 |
| Loan loss allowance to noncurrent loans | 2,689.2857% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,658 |
| Noncurrent loans to loans | 0.0396% | 3,482 |
| Net loans and leases to total assets | 42.7500% | 3,960 |
| Net loans and leases to deposits | 44.2374% | 4,099 |
| Net loans and leases to core deposits | 45.9294% | 4,131 |
| Total domestic deposits to total assets | 96.6300% | 58 |
| Equity capital to assets | 1.1161% | 4,571 |
| Core capital (leverage) ratio | 7.7435% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2289% | 916 |
| Memoranda: | ||
| Average total assets | $161,291,750 | 3,277 |
| Average earning assets | $154,324,750 | 3,222 |
| Average equity | $2,734,750 | 4,464 |
| Average total loans | $66,507,000 | 3,612 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 4,391 |
| Cost of funding earning assets | 0.4303% | 4,116 |
| Net interest margin | 3.0134% | 3,399 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.7366% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9184% | 2,696 |
| Return on assets (ROA) | 0.9184% | 2,678 |
| Pretax return on assets | 0.9184% | 3,125 |
| Return on Equity (ROE) | 48.5300% | 66 |
| Retained earnings to average equity (ytd only) | 16.3301% | 437 |
| Net charge-offs to loans | 0.0922% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 24.5667% | 1,649 |
| Efficiency ratio | 74.8721% | 1,268 |
| Assets per employee ($millions) | 5.3699% | 3,263 |
| Cash dividends to net income (ytd only)* | 66.3501% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 2,779 |
| Loan loss allowance to noncurrent loans | 3,024.0000% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,690 |
| Noncurrent loans to loans | 0.0375% | 3,464 |
| Net loans and leases to total assets | 39.5800% | 4,054 |
| Net loans and leases to deposits | 43.0408% | 4,133 |
| Net loans and leases to core deposits | 44.2076% | 4,169 |
| Total domestic deposits to total assets | 91.9700% | 417 |
| Equity capital to assets | 1.6916% | 4,613 |
| Core capital (leverage) ratio | 7.7573% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5452% | 876 |
| Memoranda: | ||
| Average total assets | $160,491,333 | 3,293 |
| Average earning assets | $153,382,333 | 3,242 |
| Average equity | $3,037,333 | 4,472 |
| Average total loans | $65,101,000 | 3,636 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4605% | 4,308 |
| Cost of funding earning assets | 0.3830% | 4,005 |
| Net interest margin | 3.0774% | 3,403 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.7580% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9600% | 2,654 |
| Return on assets (ROA) | 0.9600% | 2,617 |
| Pretax return on assets | 0.9600% | 3,101 |
| Return on Equity (ROE) | 48.0300% | 81 |
| Retained earnings to average equity (ytd only) | 16.1372% | 679 |
| Net charge-offs to loans | 0.1057% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 22.2353% | 1,426 |
| Efficiency ratio | 74.1803% | 1,323 |
| Assets per employee ($millions) | 5.5358% | 3,184 |
| Cash dividends to net income (ytd only)* | 66.4021% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,875.6098% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,524 |
| Noncurrent loans to loans | 0.0634% | 3,281 |
| Net loans and leases to total assets | 41.2300% | 3,988 |
| Net loans and leases to deposits | 42.6857% | 4,139 |
| Net loans and leases to core deposits | 43.5992% | 4,184 |
| Total domestic deposits to total assets | 96.5900% | 35 |
| Equity capital to assets | 2.1548% | 4,631 |
| Core capital (leverage) ratio | 7.6604% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5402% | 902 |
| Memoranda: | ||
| Average total assets | $157,503,000 | 3,357 |
| Average earning assets | $150,384,500 | 3,315 |
| Average equity | $3,148,000 | 4,525 |
| Average total loans | $64,326,000 | 3,688 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1234% | 3,953 |
| Cost of funding earning assets | 0.1554% | 4,098 |
| Net interest margin | 2.9681% | 3,525 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.5443% | 1,981 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0571% | 2,345 |
| Return on assets (ROA) | 1.0571% | 2,293 |
| Pretax return on assets | 1.0571% | 2,898 |
| Return on Equity (ROE) | 29.6100% | 124 |
| Retained earnings to average equity (ytd only) | 9.3910% | 1,363 |
| Net charge-offs to loans | -0.0085% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.3956% | 1,632 |
| Assets per employee ($millions) | 5.1615% | 3,547 |
| Cash dividends to net income (ytd only)* | 68.2799% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,223 |
| Loan loss allowance to noncurrent loans | 1,179.1045% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,383 |
| Noncurrent loans to loans | 0.1047% | 3,023 |
| Net loans and leases to total assets | 39.4900% | 4,080 |
| Net loans and leases to deposits | 40.3578% | 4,232 |
| Net loans and leases to core deposits | 41.1170% | 4,248 |
| Total domestic deposits to total assets | 97.8500% | 35 |
| Equity capital to assets | 1.8474% | 4,653 |
| Core capital (leverage) ratio | 7.3930% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2430% | 1,092 |
| Memoranda: | ||
| Average total assets | $162,242,600 | 3,331 |
| Average earning assets | $154,478,000 | 3,281 |
| Average equity | $5,792,800 | 4,352 |
| Average total loans | $58,891,600 | 3,750 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0142% | 3,867 |
| Cost of funding earning assets | 0.1369% | 3,970 |
| Net interest margin | 2.8774% | 3,550 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.5265% | 1,932 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9836% | 2,534 |
| Return on assets (ROA) | 0.9836% | 2,512 |
| Pretax return on assets | 0.9836% | 3,062 |
| Return on Equity (ROE) | 24.6300% | 195 |
| Retained earnings to average equity (ytd only) | 7.7718% | 2,093 |
| Net charge-offs to loans | -0.0185% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6276% | 1,572 |
| Assets per employee ($millions) | 5.2188% | 3,485 |
| Cash dividends to net income (ytd only)* | 68.4430% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,029 |
| Loan loss allowance to noncurrent loans | 1,416.0714% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,564 |
| Noncurrent loans to loans | 0.0918% | 3,225 |
| Net loans and leases to total assets | 37.2300% | 4,173 |
| Net loans and leases to deposits | 37.9952% | 4,303 |
| Net loans and leases to core deposits | 38.6876% | 4,323 |
| Total domestic deposits to total assets | 97.9900% | 55 |
| Equity capital to assets | 1.6300% | 4,673 |
| Core capital (leverage) ratio | 7.1066% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4164% | 1,101 |
| Memoranda: | ||
| Average total assets | $162,802,000 | 3,352 |
| Average earning assets | $154,906,250 | 3,307 |
| Average equity | $6,502,000 | 4,313 |
| Average total loans | $57,620,250 | 3,792 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8907% | 3,807 |
| Cost of funding earning assets | 0.1303% | 3,834 |
| Net interest margin | 2.7604% | 3,550 |
| Noninterest income to average assets | 0.7907% | 1,067 |
| Noninterest expense to average assets | 2.4800% | 1,997 |
| Loan and lease loss provision to assets | 0.0257% | 2,139 |
| Net operating income to assets | 0.9084% | 2,548 |
| Return on assets (ROA) | 0.9084% | 2,519 |
| Pretax return on assets | 0.9084% | 3,036 |
| Return on Equity (ROE) | 19.0236% | 385 |
| Retained earnings to average equity (ytd only) | 5.8791% | 2,374 |
| Net charge-offs to loans | -0.0354% | 4,113 |
| Credit loss provision to net charge-offs | -210.0000% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6391% | 1,673 |
| Assets per employee ($millions) | 5.4287% | 3,294 |
| Cash dividends to net income (ytd only)* | 69.0958% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,893 |
| Loan loss allowance to noncurrent loans | 1,303.2787% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,606 |
| Noncurrent loans to loans | 0.1049% | 3,223 |
| Net loans and leases to total assets | 35.2040% | 4,283 |
| Net loans and leases to deposits | 36.1562% | 4,385 |
| Net loans and leases to core deposits | 36.8314% | 4,409 |
| Total domestic deposits to total assets | 97.3665% | 36 |
| Equity capital to assets | 2.3142% | 4,714 |
| Core capital (leverage) ratio | 6.9436% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7010% | 1,035 |
| Memoranda: | ||
| Average total assets | $163,142,000 | 3,383 |
| Average earning assets | $155,047,667 | 3,349 |
| Average equity | $7,790,333 | 4,225 |
| Average total loans | $56,484,333 | 3,852 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7882% | 3,765 |
| Cost of funding earning assets | 0.1287% | 3,791 |
| Net interest margin | 2.6595% | 3,503 |
| Noninterest income to average assets | 0.7643% | 1,137 |
| Noninterest expense to average assets | 2.4718% | 1,952 |
| Loan and lease loss provision to assets | 0.0514% | 1,456 |
| Net operating income to assets | 0.7717% | 2,763 |
| Return on assets (ROA) | 0.7717% | 2,756 |
| Pretax return on assets | 0.7717% | 3,195 |
| Return on Equity (ROE) | 12.8558% | 1,072 |
| Retained earnings to average equity (ytd only) | 3.5915% | 3,078 |
| Net charge-offs to loans | -0.0647% | 4,348 |
| Credit loss provision to net charge-offs | -233.3333% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0186% | 1,632 |
| Assets per employee ($millions) | 5.7856% | 3,020 |
| Cash dividends to net income (ytd only)* | 72.0635% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,851 |
| Loan loss allowance to noncurrent loans | 2,406.0606% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,844 |
| Noncurrent loans to loans | 0.0588% | 3,566 |
| Net loans and leases to total assets | 34.1457% | 4,301 |
| Net loans and leases to deposits | 35.9932% | 4,384 |
| Net loans and leases to core deposits | 36.6252% | 4,412 |
| Total domestic deposits to total assets | 94.8672% | 47 |
| Equity capital to assets | 4.8840% | 4,733 |
| Core capital (leverage) ratio | 6.9546% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3262% | 993 |
| Memoranda: | ||
| Average total assets | $163,282,000 | 3,395 |
| Average earning assets | $155,368,500 | 3,362 |
| Average equity | $9,801,000 | 4,076 |
| Average total loans | $55,662,000 | 3,874 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9811% | 3,903 |
| Cost of funding earning assets | 0.1445% | 4,026 |
| Net interest margin | 2.8366% | 3,593 |
| Noninterest income to average assets | 0.8235% | 1,398 |
| Noninterest expense to average assets | 2.5655% | 1,972 |
| Loan and lease loss provision to assets | 0.0524% | 2,010 |
| Net operating income to assets | 0.9067% | 3,011 |
| Return on assets (ROA) | 0.9185% | 3,037 |
| Pretax return on assets | 0.9185% | 3,460 |
| Return on Equity (ROE) | 12.8886% | 1,495 |
| Retained earnings to average equity (ytd only) | 4.4219% | 3,044 |
| Net charge-offs to loans | -0.0145% | 3,859 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7881% | 1,427 |
| Assets per employee ($millions) | 5.6747% | 3,090 |
| Cash dividends to net income (ytd only)* | 65.6919% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 1,981 |
| Loan loss allowance to noncurrent loans | 2,122.2222% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,911 |
| Noncurrent loans to loans | 0.0652% | 3,619 |
| Net loans and leases to total assets | 33.0874% | 4,405 |
| Net loans and leases to deposits | 35.7081% | 4,484 |
| Net loans and leases to core deposits | 36.2907% | 4,511 |
| Total domestic deposits to total assets | 92.6607% | 74 |
| Equity capital to assets | 7.1035% | 4,698 |
| Core capital (leverage) ratio | 7.0686% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0009% | 1,042 |
| Memoranda: | ||
| Average total assets | $152,643,600 | 3,460 |
| Average earning assets | $145,348,000 | 3,421 |
| Average equity | $10,877,800 | 4,051 |
| Average total loans | $55,260,000 | 3,908 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0277% | 3,949 |
| Cost of funding earning assets | 0.1480% | 4,126 |
| Net interest margin | 2.8797% | 3,597 |
| Noninterest income to average assets | 0.8365% | 1,425 |
| Noninterest expense to average assets | 2.6049% | 1,820 |
| Loan and lease loss provision to assets | 0.0528% | 1,932 |
| Net operating income to assets | 0.9176% | 3,187 |
| Return on assets (ROA) | 0.9176% | 3,258 |
| Pretax return on assets | 0.9176% | 3,656 |
| Return on Equity (ROE) | 12.8649% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.7088% | 3,328 |
| Net charge-offs to loans | -0.0289% | 4,115 |
| Credit loss provision to net charge-offs | -491.6667% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8632% | 1,328 |
| Assets per employee ($millions) | 5.5504% | 3,143 |
| Cash dividends to net income (ytd only)* | 63.3981% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,189 |
| Loan loss allowance to noncurrent loans | 1,464.7059% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,942 |
| Noncurrent loans to loans | 0.0927% | 3,613 |
| Net loans and leases to total assets | 34.9220% | 4,434 |
| Net loans and leases to deposits | 37.6857% | 4,524 |
| Net loans and leases to core deposits | 38.3027% | 4,566 |
| Total domestic deposits to total assets | 92.6666% | 55 |
| Equity capital to assets | 6.9448% | 4,818 |
| Core capital (leverage) ratio | 6.3219% | 4,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9988% | 1,349 |
| Memoranda: | ||
| Average total assets | $149,662,750 | 3,518 |
| Average earning assets | $142,324,750 | 3,486 |
| Average equity | $10,674,750 | 4,122 |
| Average total loans | $55,271,250 | 3,960 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9566% | 4,125 |
| Cost of funding earning assets | 0.1493% | 4,212 |
| Net interest margin | 2.8074% | 3,775 |
| Noninterest income to average assets | 0.8393% | 1,429 |
| Noninterest expense to average assets | 2.6139% | 1,822 |
| Loan and lease loss provision to assets | 0.0569% | 1,896 |
| Net operating income to assets | 0.8420% | 3,387 |
| Return on assets (ROA) | 0.8420% | 3,463 |
| Pretax return on assets | 0.8420% | 3,786 |
| Return on Equity (ROE) | 11.6969% | 2,163 |
| Retained earnings to average equity (ytd only) | 3.2533% | 3,762 |
| Net charge-offs to loans | -0.0253% | 4,085 |
| Credit loss provision to net charge-offs | -600.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4123% | 1,211 |
| Assets per employee ($millions) | 5.5066% | 3,120 |
| Cash dividends to net income (ytd only)* | 72.1865% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 35.1924% | 4,492 |
| Net loans and leases to deposits | 37.9180% | 4,582 |
| Net loans and leases to core deposits | 38.4255% | 4,617 |
| Total domestic deposits to total assets | 92.8118% | 45 |
| Equity capital to assets | 6.8152% | 4,875 |
| Core capital (leverage) ratio | 6.2202% | 4,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5577% | 1,218 |
| Memoranda: | ||
| Average total assets | $147,746,333 | 3,545 |
| Average earning assets | $140,700,333 | 3,506 |
| Average equity | $10,635,333 | 4,142 |
| Average total loans | $55,355,000 | 3,984 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9574% | 4,174 |
| Cost of funding earning assets | 0.1541% | 4,280 |
| Net interest margin | 2.8032% | 3,757 |
| Noninterest income to average assets | 0.8497% | 1,463 |
| Noninterest expense to average assets | 2.6652% | 1,699 |
| Loan and lease loss provision to assets | 0.0581% | 1,959 |
| Net operating income to assets | 0.7943% | 3,439 |
| Return on assets (ROA) | 0.7943% | 3,508 |
| Pretax return on assets | 0.7943% | 3,823 |
| Return on Equity (ROE) | 10.7300% | 2,446 |
| Retained earnings to average equity (ytd only) | 3.0283% | 3,776 |
| Net charge-offs to loans | -0.0288% | 4,154 |
| Credit loss provision to net charge-offs | -525.0000% | 3,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7671% | 1,157 |
| Assets per employee ($millions) | 5.1206% | 3,509 |
| Cash dividends to net income (ytd only)* | 71.7770% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,585 |
| Loan loss allowance to noncurrent loans | 8,750.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,362 |
| Noncurrent loans to loans | 0.0145% | 4,230 |
| Net loans and leases to total assets | 36.7837% | 4,470 |
| Net loans and leases to deposits | 39.7640% | 4,574 |
| Net loans and leases to core deposits | 40.2077% | 4,615 |
| Total domestic deposits to total assets | 92.5049% | 70 |
| Equity capital to assets | 7.1779% | 4,801 |
| Core capital (leverage) ratio | 6.7203% | 4,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4884% | 1,433 |
| Memoranda: | ||
| Average total assets | $144,527,500 | 3,581 |
| Average earning assets | $137,555,000 | 3,546 |
| Average equity | $10,699,000 | 4,148 |
| Average total loans | $55,539,500 | 3,999 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 4,085 |
| Cost of funding earning assets | 0.2236% | 4,493 |
| Net interest margin | 3.2430% | 3,235 |
| Noninterest income to average assets | 0.9130% | 1,233 |
| Noninterest expense to average assets | 2.8648% | 1,776 |
| Loan and lease loss provision to assets | 0.0637% | 3,581 |
| Net operating income to assets | 1.0525% | 2,095 |
| Return on assets (ROA) | 1.0525% | 2,235 |
| Pretax return on assets | 1.0525% | 2,870 |
| Return on Equity (ROE) | 13.5338% | 914 |
| Retained earnings to average equity (ytd only) | 3.8027% | 2,915 |
| Net charge-offs to loans | 0.0579% | 1,951 |
| Credit loss provision to net charge-offs | 254.5455% | 1,918 |
| Earnings coverage of net charge-offs (x) | 44.6061% | 1,300 |
| Efficiency ratio | 71.9619% | 1,689 |
| Assets per employee ($millions) | 4.8468% | 3,554 |
| Cash dividends to net income (ytd only)* | 71.9020% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,877 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,392 |
| Noncurrent loans to loans | 0.0233% | 4,237 |
| Net loans and leases to total assets | 39.1869% | 4,473 |
| Net loans and leases to deposits | 42.5933% | 4,574 |
| Net loans and leases to core deposits | 43.0969% | 4,627 |
| Total domestic deposits to total assets | 92.0025% | 69 |
| Equity capital to assets | 7.6403% | 4,814 |
| Core capital (leverage) ratio | 6.7006% | 4,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5867% | 1,383 |
| Memoranda: | ||
| Average total assets | $131,874,400 | 3,604 |
| Average earning assets | $124,760,400 | 3,573 |
| Average equity | $10,255,800 | 4,170 |
| Average total loans | $56,970,600 | 3,964 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,214 |
| Cost of funding earning assets | 0.2382% | 4,541 |
| Net interest margin | 3.2614% | 3,307 |
| Noninterest income to average assets | 0.9025% | 1,215 |
| Noninterest expense to average assets | 2.8927% | 1,721 |
| Loan and lease loss provision to assets | 0.0648% | 3,527 |
| Net operating income to assets | 1.0269% | 2,229 |
| Return on assets (ROA) | 1.0269% | 2,367 |
| Pretax return on assets | 1.0269% | 2,971 |
| Return on Equity (ROE) | 13.1422% | 1,066 |
| Retained earnings to average equity (ytd only) | 3.6835% | 3,203 |
| Net charge-offs to loans | 0.0745% | 1,568 |
| Credit loss provision to net charge-offs | 196.8750% | 2,127 |
| Earnings coverage of net charge-offs (x) | 33.1875% | 1,507 |
| Efficiency ratio | 72.6006% | 1,564 |
| Assets per employee ($millions) | 4.7377% | 3,554 |
| Cash dividends to net income (ytd only)* | 71.9720% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,184 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,495 |
| Noncurrent loans to loans | 0.0135% | 4,391 |
| Net loans and leases to total assets | 41.3241% | 4,522 |
| Net loans and leases to deposits | 44.9081% | 4,636 |
| Net loans and leases to core deposits | 45.5327% | 4,673 |
| Total domestic deposits to total assets | 92.0193% | 54 |
| Equity capital to assets | 7.5431% | 4,847 |
| Core capital (leverage) ratio | 6.7048% | 4,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5735% | 1,628 |
| Memoranda: | ||
| Average total assets | $129,703,750 | 3,616 |
| Average earning assets | $122,560,750 | 3,588 |
| Average equity | $10,135,000 | 4,194 |
| Average total loans | $57,274,250 | 3,980 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 4,163 |
| Cost of funding earning assets | 0.2550% | 4,607 |
| Net interest margin | 3.3998% | 3,107 |
| Noninterest income to average assets | 0.9127% | 1,135 |
| Noninterest expense to average assets | 2.9914% | 1,589 |
| Loan and lease loss provision to assets | 0.0669% | 3,454 |
| Net operating income to assets | 1.0608% | 2,104 |
| Return on assets (ROA) | 1.0608% | 2,235 |
| Pretax return on assets | 1.0608% | 2,831 |
| Return on Equity (ROE) | 13.4009% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.7627% | 3,035 |
| Net charge-offs to loans | 0.0601% | 1,646 |
| Credit loss provision to net charge-offs | 247.0588% | 1,758 |
| Earnings coverage of net charge-offs (x) | 41.6471% | 1,219 |
| Efficiency ratio | 72.6218% | 1,610 |
| Assets per employee ($millions) | 4.8567% | 3,355 |
| Cash dividends to net income (ytd only)* | 71.9219% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,972 |
| Loan loss allowance to noncurrent loans | 1,120.6897% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,324 |
| Noncurrent loans to loans | 0.0995% | 4,057 |
| Net loans and leases to total assets | 42.3967% | 4,520 |
| Net loans and leases to deposits | 46.1879% | 4,649 |
| Net loans and leases to core deposits | 46.8686% | 4,692 |
| Total domestic deposits to total assets | 91.7919% | 64 |
| Equity capital to assets | 7.7993% | 4,808 |
| Core capital (leverage) ratio | 6.9651% | 5,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9181% | 1,262 |
| Memoranda: | ||
| Average total assets | $125,561,667 | 3,654 |
| Average earning assets | $118,417,667 | 3,615 |
| Average equity | $9,939,667 | 4,224 |
| Average total loans | $56,569,000 | 4,008 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,204 |
| Cost of funding earning assets | 0.2926% | 4,680 |
| Net interest margin | 3.5216% | 2,904 |
| Noninterest income to average assets | 0.9871% | 884 |
| Noninterest expense to average assets | 3.0578% | 1,748 |
| Loan and lease loss provision to assets | 0.0698% | 2,869 |
| Net operating income to assets | 1.1799% | 1,583 |
| Return on assets (ROA) | 1.1799% | 1,705 |
| Pretax return on assets | 1.1799% | 2,270 |
| Return on Equity (ROE) | 14.7817% | 577 |
| Retained earnings to average equity (ytd only) | 4.1638% | 2,618 |
| Net charge-offs to loans | 0.0215% | 1,937 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 125.3333% | 496 |
| Efficiency ratio | 70.9877% | 2,221 |
| Assets per employee ($millions) | 4.2482% | 3,597 |
| Cash dividends to net income (ytd only)* | 71.8310% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,859 |
| Loan loss allowance to noncurrent loans | 2,922.7273% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,539 |
| Noncurrent loans to loans | 0.0398% | 4,399 |
| Net loans and leases to total assets | 44.3056% | 4,493 |
| Net loans and leases to deposits | 48.3160% | 4,647 |
| Net loans and leases to core deposits | 49.2129% | 4,696 |
| Total domestic deposits to total assets | 91.6996% | 56 |
| Equity capital to assets | 7.8848% | 4,994 |
| Core capital (leverage) ratio | 7.5776% | 5,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3505% | 1,516 |
| Memoranda: | ||
| Average total assets | $120,349,000 | 3,698 |
| Average earning assets | $113,472,500 | 3,656 |
| Average equity | $9,606,500 | 4,283 |
| Average total loans | $55,701,500 | 4,040 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 4,429 |
| Cost of funding earning assets | 0.3488% | 4,597 |
| Net interest margin | 3.5509% | 3,287 |
| Noninterest income to average assets | 1.1301% | 735 |
| Noninterest expense to average assets | 3.0851% | 1,795 |
| Loan and lease loss provision to assets | 0.0592% | 2,853 |
| Net operating income to assets | 1.3245% | 1,598 |
| Return on assets (ROA) | 1.3127% | 1,721 |
| Pretax return on assets | 1.3127% | 2,464 |
| Return on Equity (ROE) | 17.4451% | 378 |
| Retained earnings to average equity (ytd only) | 3.5160% | 3,248 |
| Net charge-offs to loans | 0.0687% | 2,107 |
| Credit loss provision to net charge-offs | 194.4444% | 1,358 |
| Earnings coverage of net charge-offs (x) | 45.4722% | 1,204 |
| Efficiency ratio | 69.0373% | 2,313 |
| Assets per employee ($millions) | 4.1964% | 3,638 |
| Cash dividends to net income (ytd only)* | 79.8455% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,874 |
| Loan loss allowance to noncurrent loans | 3,676.4706% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,591 |
| Noncurrent loans to loans | 0.0303% | 4,443 |
| Net loans and leases to total assets | 47.2778% | 4,469 |
| Net loans and leases to deposits | 51.7191% | 4,611 |
| Net loans and leases to core deposits | 52.4893% | 4,690 |
| Total domestic deposits to total assets | 91.4127% | 73 |
| Equity capital to assets | 8.0843% | 5,043 |
| Core capital (leverage) ratio | 7.4128% | 5,108 |
| Tier 1 risk-based capital ratio | 15.3386% | 2,640 |
| Total risk-based capital ratio | 16.4217% | 2,645 |
| Memoranda: | ||
| Average total assets | $118,309,000 | 3,727 |
| Average earning assets | $111,239,600 | 3,687 |
| Average equity | $8,902,200 | 4,388 |
| Average total loans | $52,399,400 | 4,133 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 4,567 |
| Cost of funding earning assets | 0.3491% | 4,661 |
| Net interest margin | 3.5308% | 3,472 |
| Noninterest income to average assets | 0.9912% | 952 |
| Noninterest expense to average assets | 3.0421% | 1,854 |
| Loan and lease loss provision to assets | 0.0551% | 2,806 |
| Net operating income to assets | 1.2162% | 2,138 |
| Return on assets (ROA) | 1.2004% | 2,272 |
| Pretax return on assets | 1.2004% | 2,979 |
| Return on Equity (ROE) | 16.2531% | 574 |
| Retained earnings to average equity (ytd only) | 2.9551% | 3,903 |
| Net charge-offs to loans | 0.0622% | 1,933 |
| Credit loss provision to net charge-offs | 204.1667% | 1,293 |
| Earnings coverage of net charge-offs (x) | 47.0822% | 1,240 |
| Efficiency ratio | 70.5269% | 2,048 |
| Assets per employee ($millions) | 3.8546% | 4,094 |
| Cash dividends to net income (ytd only)* | 81.8182% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,834 |
| Loan loss allowance to noncurrent loans | 781.0127% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,382 |
| Noncurrent loans to loans | 0.1458% | 4,016 |
| Net loans and leases to total assets | 44.8181% | 4,664 |
| Net loans and leases to deposits | 48.9149% | 4,802 |
| Net loans and leases to core deposits | 49.7589% | 4,842 |
| Total domestic deposits to total assets | 91.6247% | 50 |
| Equity capital to assets | 7.8514% | 5,158 |
| Core capital (leverage) ratio | 7.3475% | 5,203 |
| Tier 1 risk-based capital ratio | 15.4175% | 2,667 |
| Total risk-based capital ratio | 16.5069% | 2,669 |
| Memoranda: | ||
| Average total assets | $118,511,500 | 3,766 |
| Average earning assets | $111,510,250 | 3,722 |
| Average equity | $8,753,000 | 4,462 |
| Average total loans | $51,455,250 | 4,205 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 4,639 |
| Cost of funding earning assets | 0.3414% | 4,707 |
| Net interest margin | 3.5073% | 3,576 |
| Noninterest income to average assets | 1.0018% | 869 |
| Noninterest expense to average assets | 3.0343% | 1,904 |
| Loan and lease loss provision to assets | 0.0474% | 2,870 |
| Net operating income to assets | 1.2235% | 2,059 |
| Return on assets (ROA) | 1.1998% | 2,215 |
| Pretax return on assets | 1.1998% | 2,900 |
| Return on Equity (ROE) | 16.5977% | 510 |
| Retained earnings to average equity (ytd only) | 3.1135% | 3,662 |
| Net charge-offs to loans | 0.0475% | 1,967 |
| Credit loss provision to net charge-offs | 233.3333% | 1,079 |
| Earnings coverage of net charge-offs (x) | 62.5833% | 959 |
| Efficiency ratio | 70.4796% | 2,150 |
| Assets per employee ($millions) | 4.0523% | 3,805 |
| Cash dividends to net income (ytd only)* | 81.2412% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,617 |
| Loan loss allowance to noncurrent loans | 1,379.5455% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 4,585 |
| Noncurrent loans to loans | 0.0857% | 4,298 |
| Net loans and leases to total assets | 41.7373% | 4,785 |
| Net loans and leases to deposits | 45.4005% | 4,922 |
| Net loans and leases to core deposits | 46.0670% | 4,958 |
| Total domestic deposits to total assets | 91.9314% | 42 |
| Equity capital to assets | 7.5948% | 5,227 |
| Core capital (leverage) ratio | 7.2919% | 5,249 |
| Tier 1 risk-based capital ratio | 15.7291% | 2,531 |
| Total risk-based capital ratio | 16.8302% | 2,522 |
| Memoranda: | ||
| Average total assets | $118,184,000 | 3,792 |
| Average earning assets | $111,310,670 | 3,750 |
| Average equity | $8,543,330 | 4,511 |
| Average total loans | $50,549,670 | 4,243 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 4,620 |
| Cost of funding earning assets | 0.3285% | 4,744 |
| Net interest margin | 3.5297% | 3,502 |
| Noninterest income to average assets | 0.9855% | 840 |
| Noninterest expense to average assets | 3.0286% | 1,907 |
| Loan and lease loss provision to assets | 0.0721% | 2,225 |
| Net operating income to assets | 1.2052% | 2,035 |
| Return on assets (ROA) | 1.1572% | 2,286 |
| Pretax return on assets | 1.1572% | 2,952 |
| Return on Equity (ROE) | 16.4420% | 539 |
| Retained earnings to average equity (ytd only) | 2.8298% | 3,809 |
| Net charge-offs to loans | 0.0798% | 1,286 |
| Credit loss provision to net charge-offs | 210.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 37.2000% | 1,201 |
| Efficiency ratio | 70.3349% | 2,285 |
| Assets per employee ($millions) | 4.2261% | 3,590 |
| Cash dividends to net income (ytd only)* | 82.7893% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,657 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,592 |
| Noncurrent loans to loans | 0.1103% | 4,241 |
| Net loans and leases to total assets | 42.3870% | 4,816 |
| Net loans and leases to deposits | 45.8608% | 4,933 |
| Net loans and leases to core deposits | 46.5511% | 4,971 |
| Total domestic deposits to total assets | 92.4255% | 42 |
| Equity capital to assets | 7.1604% | 5,297 |
| Core capital (leverage) ratio | 7.4401% | 5,291 |
| Tier 1 risk-based capital ratio | 15.6214% | 2,602 |
| Total risk-based capital ratio | 16.7154% | 2,580 |
| Memoranda: | ||
| Average total assets | $116,491,000 | 3,857 |
| Average earning assets | $109,583,500 | 3,823 |
| Average equity | $8,198,500 | 4,593 |
| Average total loans | $50,151,000 | 4,294 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 4,697 |
| Cost of funding earning assets | 0.2185% | 4,930 |
| Net interest margin | 3.4590% | 3,838 |
| Noninterest income to average assets | 0.9902% | 961 |
| Noninterest expense to average assets | 2.9722% | 2,129 |
| Loan and lease loss provision to assets | 0.0721% | 2,692 |
| Net operating income to assets | 1.1954% | 2,192 |
| Return on assets (ROA) | 1.1954% | 2,189 |
| Pretax return on assets | 1.1954% | 2,899 |
| Return on Equity (ROE) | 18.0775% | 382 |
| Retained earnings to average equity (ytd only) | 3.0778% | 3,858 |
| Net charge-offs to loans | 0.0193% | 3,054 |
| Credit loss provision to net charge-offs | 933.3333% | 392 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 527 |
| Efficiency ratio | 70.1033% | 2,164 |
| Assets per employee ($millions) | 4.0947% | 3,756 |
| Cash dividends to net income (ytd only)* | 82.9741% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,606 |
| Loan loss allowance to noncurrent loans | 809.5890% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 4,517 |
| Noncurrent loans to loans | 0.1473% | 4,082 |
| Net loans and leases to total assets | 42.6965% | 4,857 |
| Net loans and leases to deposits | 46.5213% | 4,975 |
| Net loans and leases to core deposits | 47.3712% | 4,998 |
| Total domestic deposits to total assets | 91.7785% | 88 |
| Equity capital to assets | 6.9114% | 5,340 |
| Core capital (leverage) ratio | 7.3811% | 5,333 |
| Tier 1 risk-based capital ratio | 15.1984% | 2,738 |
| Total risk-based capital ratio | 16.2504% | 2,757 |
| Memoranda: | ||
| Average total assets | $116,446,200 | 3,844 |
| Average earning assets | $109,396,200 | 3,815 |
| Average equity | $7,700,200 | 4,649 |
| Average total loans | $46,530,000 | 4,385 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 4,796 |
| Cost of funding earning assets | 0.2062% | 4,998 |
| Net interest margin | 3.3978% | 4,015 |
| Noninterest income to average assets | 0.9786% | 990 |
| Noninterest expense to average assets | 2.9382% | 2,199 |
| Loan and lease loss provision to assets | 0.0719% | 2,521 |
| Net operating income to assets | 1.1634% | 2,399 |
| Return on assets (ROA) | 1.1634% | 2,406 |
| Pretax return on assets | 1.1634% | 3,146 |
| Return on Equity (ROE) | 17.7908% | 449 |
| Retained earnings to average equity (ytd only) | 3.0174% | 4,231 |
| Net charge-offs to loans | 0.0262% | 2,586 |
| Credit loss provision to net charge-offs | 700.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 120.3300% | 655 |
| Efficiency ratio | 70.4017% | 2,135 |
| Assets per employee ($millions) | 4.2146% | 3,555 |
| Cash dividends to net income (ytd only)* | 83.0393% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,810 |
| Loan loss allowance to noncurrent loans | 1,268.8889% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,784 |
| Noncurrent loans to loans | 0.0920% | 4,475 |
| Net loans and leases to total assets | 42.4965% | 4,934 |
| Net loans and leases to deposits | 45.7126% | 5,063 |
| Net loans and leases to core deposits | 46.5594% | 5,095 |
| Total domestic deposits to total assets | 92.9644% | 34 |
| Equity capital to assets | 6.5180% | 5,424 |
| Core capital (leverage) ratio | 7.3620% | 5,405 |
| Tier 1 risk-based capital ratio | 15.3810% | 2,705 |
| Total risk-based capital ratio | 16.4174% | 2,728 |
| Memoranda: | ||
| Average total assets | $116,895,000 | 3,874 |
| Average earning assets | $109,912,750 | 3,845 |
| Average equity | $7,644,250 | 4,706 |
| Average total loans | $45,776,750 | 4,461 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,848 |
| Cost of funding earning assets | 0.2042% | 5,008 |
| Net interest margin | 3.3463% | 4,115 |
| Noninterest income to average assets | 0.9667% | 1,019 |
| Noninterest expense to average assets | 2.8763% | 2,422 |
| Loan and lease loss provision to assets | 0.0712% | 2,465 |
| Net operating income to assets | 1.1600% | 2,350 |
| Return on assets (ROA) | 1.1600% | 2,351 |
| Pretax return on assets | 1.1600% | 3,097 |
| Return on Equity (ROE) | 17.7202% | 449 |
| Retained earnings to average equity (ytd only) | 3.0311% | 4,038 |
| Net charge-offs to loans | 0.0358% | 2,136 |
| Credit loss provision to net charge-offs | 525.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 90.7500% | 744 |
| Efficiency ratio | 70.0248% | 2,310 |
| Assets per employee ($millions) | 3.7144% | 4,332 |
| Cash dividends to net income (ytd only)* | 82.8947% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,743 |
| Loan loss allowance to noncurrent loans | 4,238.4615% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,986 |
| Noncurrent loans to loans | 0.0282% | 4,797 |
| Net loans and leases to total assets | 39.5241% | 5,070 |
| Net loans and leases to deposits | 42.4878% | 5,177 |
| Net loans and leases to core deposits | 43.2699% | 5,209 |
| Total domestic deposits to total assets | 93.0244% | 32 |
| Equity capital to assets | 6.4875% | 5,484 |
| Core capital (leverage) ratio | 7.1806% | 5,469 |
| Tier 1 risk-based capital ratio | 15.7510% | 2,535 |
| Total risk-based capital ratio | 16.7821% | 2,566 |
| Memoranda: | ||
| Average total assets | $117,929,000 | 3,889 |
| Average earning assets | $110,689,330 | 3,864 |
| Average equity | $7,720,000 | 4,742 |
| Average total loans | $44,726,000 | 4,530 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 4,944 |
| Cost of funding earning assets | 0.1995% | 5,021 |
| Net interest margin | 3.2554% | 4,300 |
| Noninterest income to average assets | 0.9588% | 1,004 |
| Noninterest expense to average assets | 2.8025% | 2,681 |
| Loan and lease loss provision to assets | 0.0704% | 2,355 |
| Net operating income to assets | 1.1498% | 2,221 |
| Return on assets (ROA) | 1.1498% | 2,229 |
| Pretax return on assets | 1.1498% | 2,965 |
| Return on Equity (ROE) | 17.4888% | 460 |
| Retained earnings to average equity (ytd only) | 3.0083% | 3,995 |
| Net charge-offs to loans | 0.0272% | 1,952 |
| Credit loss provision to net charge-offs | 700.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 121.3333% | 521 |
| Efficiency ratio | 69.6667% | 2,535 |
| Assets per employee ($millions) | 4.5552% | 3,061 |
| Cash dividends to net income (ytd only)* | 82.7988% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,858 |
| Loan loss allowance to noncurrent loans | 2,675.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,040 |
| Noncurrent loans to loans | 0.0445% | 4,774 |
| Net loans and leases to total assets | 36.0761% | 5,206 |
| Net loans and leases to deposits | 38.6296% | 5,303 |
| Net loans and leases to core deposits | 39.6108% | 5,314 |
| Total domestic deposits to total assets | 93.3897% | 30 |
| Equity capital to assets | 6.1810% | 5,563 |
| Core capital (leverage) ratio | 7.2032% | 5,533 |
| Tier 1 risk-based capital ratio | 16.4807% | 2,279 |
| Total risk-based capital ratio | 17.5354% | 2,310 |
| Memoranda: | ||
| Average total assets | $119,321,000 | 3,910 |
| Average earning assets | $112,304,000 | 3,881 |
| Average equity | $7,845,000 | 4,771 |
| Average total loans | $44,058,500 | 4,591 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3383% | 5,035 |
| Cost of funding earning assets | 0.2086% | 4,879 |
| Net interest margin | 3.1298% | 4,630 |
| Noninterest income to average assets | 0.9557% | 1,122 |
| Noninterest expense to average assets | 2.8637% | 2,567 |
| Loan and lease loss provision to assets | 0.0343% | 3,577 |
| Net operating income to assets | 1.0002% | 2,242 |
| Return on assets (ROA) | 1.0002% | 2,279 |
| Pretax return on assets | 1.0002% | 3,567 |
| Return on Equity (ROE) | 14.1227% | 742 |
| Retained earnings to average equity (ytd only) | 2.3820% | 3,901 |
| Net charge-offs to loans | 0.0732% | 2,399 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | 40.2667% | 1,260 |
| Efficiency ratio | 73.4622% | 1,990 |
| Assets per employee ($millions) | 3.9880% | 3,983 |
| Cash dividends to net income (ytd only)* | 83.1336% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,812 |
| Loan loss allowance to noncurrent loans | 975.4717% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 4,862 |
| Noncurrent loans to loans | 0.1227% | 4,430 |
| Net loans and leases to total assets | 36.9168% | 5,258 |
| Net loans and leases to deposits | 39.8695% | 5,341 |
| Net loans and leases to core deposits | 40.7073% | 5,370 |
| Total domestic deposits to total assets | 92.5942% | 46 |
| Equity capital to assets | 6.9934% | 5,583 |
| Core capital (leverage) ratio | 7.1327% | 5,590 |
| Tier 1 risk-based capital ratio | 16.5623% | 2,243 |
| Total risk-based capital ratio | 17.5936% | 2,256 |
| Memoranda: | ||
| Average total assets | $116,771,800 | 3,949 |
| Average earning assets | $109,785,000 | 3,918 |
| Average equity | $8,270,400 | 4,739 |
| Average total loans | $40,966,600 | 4,705 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2921% | 5,120 |
| Cost of funding earning assets | 0.2108% | 4,881 |
| Net interest margin | 3.0813% | 4,752 |
| Noninterest income to average assets | 0.9614% | 1,116 |
| Noninterest expense to average assets | 2.8682% | 2,514 |
| Loan and lease loss provision to assets | 0.0114% | 3,914 |
| Net operating income to assets | 0.9785% | 2,650 |
| Return on assets (ROA) | 0.9785% | 2,705 |
| Pretax return on assets | 0.9785% | 3,770 |
| Return on Equity (ROE) | 13.7722% | 879 |
| Retained earnings to average equity (ytd only) | 2.3088% | 4,487 |
| Net charge-offs to loans | 0.0561% | 2,330 |
| Credit loss provision to net charge-offs | 58.8235% | 2,816 |
| Earnings coverage of net charge-offs (x) | 51.1090% | 1,100 |
| Efficiency ratio | 74.3431% | 1,842 |
| Assets per employee ($millions) | 4.2274% | 3,595 |
| Cash dividends to net income (ytd only)* | 83.2367% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 3,085 |
| Loan loss allowance to noncurrent loans | 980.3922% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,978 |
| Noncurrent loans to loans | 0.1194% | 4,581 |
| Net loans and leases to total assets | 35.6749% | 5,364 |
| Net loans and leases to deposits | 38.6231% | 5,449 |
| Net loans and leases to core deposits | 39.5528% | 5,470 |
| Total domestic deposits to total assets | 92.3669% | 45 |
| Equity capital to assets | 7.1524% | 5,651 |
| Core capital (leverage) ratio | 7.1088% | 5,664 |
| Tier 1 risk-based capital ratio | 16.5679% | 2,301 |
| Total risk-based capital ratio | 17.5723% | 2,325 |
| Memoranda: | ||
| Average total assets | $117,051,750 | 3,979 |
| Average earning assets | $110,038,250 | 3,956 |
| Average equity | $8,316,000 | 4,780 |
| Average total loans | $40,405,250 | 4,765 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2630% | 5,161 |
| Cost of funding earning assets | 0.2117% | 4,872 |
| Net interest margin | 3.0513% | 4,788 |
| Noninterest income to average assets | 0.9862% | 1,051 |
| Noninterest expense to average assets | 2.8539% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9999% | 2,430 |
| Return on assets (ROA) | 0.9999% | 2,470 |
| Pretax return on assets | 0.9999% | 3,569 |
| Return on Equity (ROE) | 14.1060% | 796 |
| Retained earnings to average equity (ytd only) | 2.3712% | 4,257 |
| Net charge-offs to loans | 0.0555% | 2,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,031 |
| Efficiency ratio | 74.0543% | 2,009 |
| Assets per employee ($millions) | 4.2088% | 3,601 |
| Cash dividends to net income (ytd only)* | 83.1904% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,743 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 5,034 |
| Noncurrent loans to loans | 0.1202% | 4,639 |
| Net loans and leases to total assets | 33.4603% | 5,467 |
| Net loans and leases to deposits | 36.2440% | 5,535 |
| Net loans and leases to core deposits | 37.0146% | 5,554 |
| Total domestic deposits to total assets | 92.3197% | 48 |
| Equity capital to assets | 7.2093% | 5,692 |
| Core capital (leverage) ratio | 6.9387% | 5,718 |
| Tier 1 risk-based capital ratio | 17.2194% | 2,088 |
| Total risk-based capital ratio | 18.2606% | 2,108 |
| Memoranda: | ||
| Average total assets | $116,613,670 | 4,014 |
| Average earning assets | $109,593,000 | 3,984 |
| Average equity | $8,266,000 | 4,811 |
| Average total loans | $39,631,330 | 4,819 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2137% | 5,225 |
| Cost of funding earning assets | 0.2096% | 4,892 |
| Net interest margin | 3.0041% | 4,886 |
| Noninterest income to average assets | 1.0276% | 953 |
| Noninterest expense to average assets | 2.8415% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0035% | 2,287 |
| Return on assets (ROA) | 1.0035% | 2,338 |
| Pretax return on assets | 1.0035% | 3,355 |
| Return on Equity (ROE) | 14.2805% | 753 |
| Retained earnings to average equity (ytd only) | 2.4537% | 4,161 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9013% | 2,248 |
| Assets per employee ($millions) | 4.2447% | 3,596 |
| Cash dividends to net income (ytd only)* | 82.8179% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,582 |
| Loan loss allowance to noncurrent loans | 1,370.2703% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,152 |
| Noncurrent loans to loans | 0.0942% | 4,811 |
| Net loans and leases to total assets | 32.6145% | 5,521 |
| Net loans and leases to deposits | 35.2542% | 5,598 |
| Net loans and leases to core deposits | 35.9943% | 5,619 |
| Total domestic deposits to total assets | 92.5125% | 57 |
| Equity capital to assets | 6.9162% | 5,763 |
| Core capital (leverage) ratio | 7.0783% | 5,761 |
| Tier 1 risk-based capital ratio | 17.5415% | 2,024 |
| Total risk-based capital ratio | 18.6322% | 2,018 |
| Memoranda: | ||
| Average total assets | $115,997,000 | 4,065 |
| Average earning assets | $108,785,000 | 4,031 |
| Average equity | $8,151,000 | 4,872 |
| Average total loans | $39,483,000 | 4,869 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2700% | 5,205 |
| Cost of funding earning assets | 0.2181% | 4,852 |
| Net interest margin | 3.0519% | 4,845 |
| Noninterest income to average assets | 1.0033% | 1,136 |
| Noninterest expense to average assets | 2.9273% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9314% | 2,671 |
| Return on assets (ROA) | 0.9607% | 2,641 |
| Pretax return on assets | 0.9607% | 3,616 |
| Return on Equity (ROE) | 12.6059% | 1,090 |
| Retained earnings to average equity (ytd only) | 2.1301% | 4,319 |
| Net charge-offs to loans | 0.0901% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,433 |
| Efficiency ratio | 75.8621% | 2,003 |
| Assets per employee ($millions) | 3.9014% | 4,140 |
| Cash dividends to net income (ytd only)* | 83.1025% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,666 |
| Loan loss allowance to noncurrent loans | 2,112.5000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,255 |
| Noncurrent loans to loans | 0.0605% | 4,999 |
| Net loans and leases to total assets | 34.6370% | 5,534 |
| Net loans and leases to deposits | 37.5334% | 5,611 |
| Net loans and leases to core deposits | 38.1613% | 5,632 |
| Total domestic deposits to total assets | 92.2831% | 82 |
| Equity capital to assets | 7.1432% | 5,783 |
| Core capital (leverage) ratio | 7.2096% | 5,788 |
| Tier 1 risk-based capital ratio | 17.6812% | 1,951 |
| Total risk-based capital ratio | 18.7874% | 1,955 |
| Memoranda: | ||
| Average total assets | $112,732,200 | 4,112 |
| Average earning assets | $105,475,200 | 4,091 |
| Average equity | $8,591,200 | 4,825 |
| Average total loans | $38,831,400 | 4,917 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 5,247 |
| Cost of funding earning assets | 0.2187% | 4,886 |
| Net interest margin | 3.0548% | 4,889 |
| Noninterest income to average assets | 1.0039% | 1,141 |
| Noninterest expense to average assets | 2.9346% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9293% | 2,755 |
| Return on assets (ROA) | 0.9683% | 2,712 |
| Pretax return on assets | 0.9683% | 3,747 |
| Return on Equity (ROE) | 12.5095% | 1,171 |
| Retained earnings to average equity (ytd only) | 2.1257% | 4,629 |
| Net charge-offs to loans | 0.0622% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 43.6100% | 1,172 |
| Efficiency ratio | 75.9498% | 1,977 |
| Assets per employee ($millions) | 3.8602% | 4,196 |
| Cash dividends to net income (ytd only)* | 83.0072% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,607 |
| Loan loss allowance to noncurrent loans | 1,139.1304% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,265 |
| Noncurrent loans to loans | 0.1154% | 4,876 |
| Net loans and leases to total assets | 35.1384% | 5,583 |
| Net loans and leases to deposits | 38.4546% | 5,666 |
| Net loans and leases to core deposits | 39.1298% | 5,703 |
| Total domestic deposits to total assets | 91.3762% | 130 |
| Equity capital to assets | 7.8949% | 5,770 |
| Core capital (leverage) ratio | 7.2202% | 5,860 |
| Tier 1 risk-based capital ratio | 17.6517% | 2,025 |
| Total risk-based capital ratio | 18.7991% | 2,022 |
| Memoranda: | ||
| Average total assets | $112,629,750 | 4,146 |
| Average earning assets | $105,449,500 | 4,111 |
| Average equity | $8,718,500 | 4,851 |
| Average total loans | $38,615,250 | 4,971 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2792% | 5,326 |
| Cost of funding earning assets | 0.2181% | 4,958 |
| Net interest margin | 3.0611% | 4,943 |
| Noninterest income to average assets | 0.9818% | 1,167 |
| Noninterest expense to average assets | 2.9294% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9127% | 2,799 |
| Return on assets (ROA) | 0.9127% | 2,933 |
| Pretax return on assets | 0.9127% | 3,909 |
| Return on Equity (ROE) | 11.8682% | 1,366 |
| Retained earnings to average equity (ytd only) | 2.0280% | 4,546 |
| Net charge-offs to loans | 0.0838% | 2,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.1875% | 1,344 |
| Efficiency ratio | 76.2454% | 2,043 |
| Assets per employee ($millions) | 4.0208% | 3,863 |
| Cash dividends to net income (ytd only)* | 82.9126% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,468 |
| Loan loss allowance to noncurrent loans | 4,383.3333% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,575 |
| Noncurrent loans to loans | 0.0311% | 5,339 |
| Net loans and leases to total assets | 33.7650% | 5,687 |
| Net loans and leases to deposits | 36.9105% | 5,769 |
| Net loans and leases to core deposits | 37.5526% | 5,796 |
| Total domestic deposits to total assets | 91.4781% | 124 |
| Equity capital to assets | 7.8708% | 5,842 |
| Core capital (leverage) ratio | 7.0884% | 5,940 |
| Tier 1 risk-based capital ratio | 17.7277% | 2,006 |
| Total risk-based capital ratio | 18.8919% | 1,995 |
| Memoranda: | ||
| Average total assets | $112,857,670 | 4,170 |
| Average earning assets | $105,451,330 | 4,143 |
| Average equity | $8,678,670 | 4,895 |
| Average total loans | $38,200,330 | 5,031 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2796% | 5,356 |
| Cost of funding earning assets | 0.2194% | 5,009 |
| Net interest margin | 3.0602% | 4,971 |
| Noninterest income to average assets | 1.0124% | 1,049 |
| Noninterest expense to average assets | 2.8886% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9876% | 2,335 |
| Return on assets (ROA) | 0.9876% | 2,448 |
| Pretax return on assets | 0.9876% | 3,524 |
| Return on Equity (ROE) | 12.9956% | 1,039 |
| Retained earnings to average equity (ytd only) | 2.1892% | 4,382 |
| Net charge-offs to loans | 0.1262% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,371 |
| Efficiency ratio | 74.5205% | 2,397 |
| Assets per employee ($millions) | 4.1900% | 3,600 |
| Cash dividends to net income (ytd only)* | 83.1541% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,464 |
| Loan loss allowance to noncurrent loans | 505.7143% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 4,349 |
| Noncurrent loans to loans | 0.2751% | 4,448 |
| Net loans and leases to total assets | 33.2682% | 5,741 |
| Net loans and leases to deposits | 36.3023% | 5,821 |
| Net loans and leases to core deposits | 36.9285% | 5,839 |
| Total domestic deposits to total assets | 91.6423% | 141 |
| Equity capital to assets | 7.7080% | 5,906 |
| Core capital (leverage) ratio | 7.1263% | 5,983 |
| Tier 1 risk-based capital ratio | 17.7792% | 2,046 |
| Total risk-based capital ratio | 18.9639% | 2,030 |
| Memoranda: | ||
| Average total assets | $112,996,000 | 4,203 |
| Average earning assets | $105,743,500 | 4,166 |
| Average equity | $8,587,500 | 4,935 |
| Average total loans | $38,031,000 | 5,077 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1584% | 5,566 |
| Cost of funding earning assets | 0.2241% | 5,053 |
| Net interest margin | 2.9343% | 5,281 |
| Noninterest income to average assets | 0.9116% | 1,405 |
| Noninterest expense to average assets | 2.7885% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8572% | 3,078 |
| Return on assets (ROA) | 0.8572% | 3,150 |
| Pretax return on assets | 0.8572% | 3,997 |
| Return on Equity (ROE) | 11.3618% | 1,482 |
| Retained earnings to average equity (ytd only) | 1.9305% | 4,631 |
| Net charge-offs to loans | -0.0135% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4862% | 2,194 |
| Assets per employee ($millions) | 4.0308% | 3,877 |
| Cash dividends to net income (ytd only)* | 83.0092% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 2,292 |
| Loan loss allowance to noncurrent loans | 349.6774% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 4,186 |
| Noncurrent loans to loans | 0.4090% | 3,990 |
| Net loans and leases to total assets | 33.0959% | 5,804 |
| Net loans and leases to deposits | 36.0262% | 5,888 |
| Net loans and leases to core deposits | 36.5564% | 5,909 |
| Total domestic deposits to total assets | 91.8662% | 120 |
| Equity capital to assets | 7.4914% | 5,987 |
| Core capital (leverage) ratio | 6.9978% | 6,051 |
| Tier 1 risk-based capital ratio | 17.5650% | 2,103 |
| Total risk-based capital ratio | 18.7668% | 2,070 |
| Memoranda: | ||
| Average total assets | $113,969,600 | 4,178 |
| Average earning assets | $106,191,400 | 4,136 |
| Average equity | $8,599,000 | 4,933 |
| Average total loans | $36,982,400 | 5,125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 5,677 |
| Cost of funding earning assets | 0.2244% | 5,143 |
| Net interest margin | 2.9005% | 5,411 |
| Noninterest income to average assets | 0.9138% | 1,415 |
| Noninterest expense to average assets | 2.7846% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8298% | 3,285 |
| Return on assets (ROA) | 0.8298% | 3,369 |
| Pretax return on assets | 0.8298% | 4,244 |
| Return on Equity (ROE) | 10.9783% | 1,719 |
| Retained earnings to average equity (ytd only) | 1.8683% | 4,947 |
| Net charge-offs to loans | -0.0181% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0423% | 2,084 |
| Assets per employee ($millions) | 3.9093% | 4,063 |
| Cash dividends to net income (ytd only)* | 82.9817% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 2,505 |
| Loan loss allowance to noncurrent loans | 351.9481% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 4,385 |
| Noncurrent loans to loans | 0.4035% | 4,165 |
| Net loans and leases to total assets | 33.1896% | 5,890 |
| Net loans and leases to deposits | 36.2178% | 5,977 |
| Net loans and leases to core deposits | 36.7487% | 5,998 |
| Total domestic deposits to total assets | 91.6389% | 134 |
| Equity capital to assets | 7.6264% | 6,054 |
| Core capital (leverage) ratio | 6.9575% | 6,135 |
| Tier 1 risk-based capital ratio | 17.0480% | 2,360 |
| Total risk-based capital ratio | 18.2212% | 2,336 |
| Memoranda: | ||
| Average total assets | $114,246,250 | 4,210 |
| Average earning assets | $106,371,000 | 4,173 |
| Average equity | $8,635,000 | 4,991 |
| Average total loans | $36,754,250 | 5,187 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 5,751 |
| Cost of funding earning assets | 0.2249% | 5,194 |
| Net interest margin | 2.8681% | 5,497 |
| Noninterest income to average assets | 0.9167% | 1,400 |
| Noninterest expense to average assets | 2.7694% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8189% | 3,289 |
| Return on assets (ROA) | 0.8189% | 3,394 |
| Pretax return on assets | 0.8189% | 4,260 |
| Return on Equity (ROE) | 10.8674% | 1,722 |
| Retained earnings to average equity (ytd only) | 1.8537% | 4,771 |
| Net charge-offs to loans | -0.0276% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1776% | 2,174 |
| Assets per employee ($millions) | 3.7721% | 4,289 |
| Cash dividends to net income (ytd only)* | 82.9424% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 2,485 |
| Loan loss allowance to noncurrent loans | 381.6901% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 4,523 |
| Noncurrent loans to loans | 0.3811% | 4,343 |
| Net loans and leases to total assets | 32.4441% | 5,949 |
| Net loans and leases to deposits | 35.3862% | 6,051 |
| Net loans and leases to core deposits | 36.0113% | 6,064 |
| Total domestic deposits to total assets | 91.6855% | 161 |
| Equity capital to assets | 7.6022% | 6,097 |
| Core capital (leverage) ratio | 6.9033% | 6,202 |
| Tier 1 risk-based capital ratio | 17.1979% | 2,329 |
| Total risk-based capital ratio | 18.3875% | 2,303 |
| Memoranda: | ||
| Average total assets | $114,538,330 | 4,243 |
| Average earning assets | $106,690,670 | 4,208 |
| Average equity | $8,631,330 | 5,032 |
| Average total loans | $36,282,670 | 5,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0524% | 5,839 |
| Cost of funding earning assets | 0.2239% | 5,278 |
| Net interest margin | 2.8285% | 5,591 |
| Noninterest income to average assets | 0.9165% | 1,336 |
| Noninterest expense to average assets | 2.7667% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7811% | 3,357 |
| Return on assets (ROA) | 0.7811% | 3,488 |
| Pretax return on assets | 0.7811% | 4,309 |
| Return on Equity (ROE) | 10.4100% | 1,825 |
| Retained earnings to average equity (ytd only) | 1.7581% | 4,771 |
| Net charge-offs to loans | -0.0559% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9843% | 2,191 |
| Assets per employee ($millions) | 3.9708% | 4,025 |
| Cash dividends to net income (ytd only)* | 83.1111% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 2,318 |
| Loan loss allowance to noncurrent loans | 380.9859% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 4,659 |
| Noncurrent loans to loans | 0.4019% | 4,388 |
| Net loans and leases to total assets | 30.2155% | 6,065 |
| Net loans and leases to deposits | 32.9071% | 6,137 |
| Net loans and leases to core deposits | 33.3957% | 6,154 |
| Total domestic deposits to total assets | 91.8204% | 172 |
| Equity capital to assets | 7.5065% | 6,177 |
| Core capital (leverage) ratio | 6.6952% | 6,269 |
| Tier 1 risk-based capital ratio | 17.9416% | 2,152 |
| Total risk-based capital ratio | 19.1869% | 2,115 |
| Memoranda: | ||
| Average total assets | $115,225,500 | 4,265 |
| Average earning assets | $107,193,500 | 4,232 |
| Average equity | $8,645,500 | 5,068 |
| Average total loans | $35,795,500 | 5,306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 5,529 |
| Cost of funding earning assets | 0.2345% | 5,469 |
| Net interest margin | 3.1675% | 5,023 |
| Noninterest income to average assets | 0.9648% | 1,307 |
| Noninterest expense to average assets | 2.7111% | 3,822 |
| Loan and lease loss provision to assets | 0.0387% | 3,798 |
| Net operating income to assets | 1.1546% | 1,749 |
| Return on assets (ROA) | 1.1465% | 1,853 |
| Pretax return on assets | 1.1465% | 2,889 |
| Return on Equity (ROE) | 15.3249% | 723 |
| Retained earnings to average equity (ytd only) | 2.6082% | 4,386 |
| Net charge-offs to loans | 0.1212% | 2,820 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 30.8605% | 1,308 |
| Efficiency ratio | 69.4380% | 3,636 |
| Assets per employee ($millions) | 3.9758% | 4,011 |
| Cash dividends to net income (ytd only)* | 82.9804% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 2,560 |
| Loan loss allowance to noncurrent loans | 1,851.7241% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 5,089 |
| Noncurrent loans to loans | 0.0800% | 5,565 |
| Net loans and leases to total assets | 30.9797% | 6,148 |
| Net loans and leases to deposits | 33.7551% | 6,226 |
| Net loans and leases to core deposits | 34.0272% | 6,238 |
| Total domestic deposits to total assets | 91.7778% | 180 |
| Equity capital to assets | 7.4997% | 6,234 |
| Core capital (leverage) ratio | 6.7501% | 6,343 |
| Tier 1 risk-based capital ratio | 15.7798% | 3,075 |
| Total risk-based capital ratio | 16.8725% | 3,107 |
| Memoranda: | ||
| Average total assets | $111,210,000 | 4,362 |
| Average earning assets | $103,206,000 | 4,325 |
| Average equity | $8,319,800 | 5,122 |
| Average total loans | $35,481,000 | 5,347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 5,522 |
| Cost of funding earning assets | 0.2371% | 5,542 |
| Net interest margin | 3.2025% | 4,963 |
| Noninterest income to average assets | 0.9741% | 1,299 |
| Noninterest expense to average assets | 2.7129% | 3,784 |
| Loan and lease loss provision to assets | 0.0436% | 3,526 |
| Net operating income to assets | 1.1919% | 1,700 |
| Return on assets (ROA) | 1.1810% | 1,818 |
| Pretax return on assets | 1.1810% | 2,852 |
| Return on Equity (ROE) | 15.7963% | 697 |
| Retained earnings to average equity (ytd only) | 2.6867% | 4,675 |
| Net charge-offs to loans | 0.1020% | 2,776 |
| Credit loss provision to net charge-offs | 133.3333% | 1,742 |
| Earnings coverage of net charge-offs (x) | 37.8139% | 1,172 |
| Efficiency ratio | 68.7098% | 3,721 |
| Assets per employee ($millions) | 4.1512% | 3,564 |
| Cash dividends to net income (ytd only)* | 82.9916% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 2,513 |
| Loan loss allowance to noncurrent loans | 1,608.8235% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 5,268 |
| Noncurrent loans to loans | 0.0962% | 5,655 |
| Net loans and leases to total assets | 29.9459% | 6,252 |
| Net loans and leases to deposits | 32.6012% | 6,332 |
| Net loans and leases to core deposits | 32.8613% | 6,344 |
| Total domestic deposits to total assets | 91.8552% | 175 |
| Equity capital to assets | 7.3267% | 6,333 |
| Core capital (leverage) ratio | 6.9745% | 6,383 |
| Tier 1 risk-based capital ratio | 15.6566% | 3,238 |
| Total risk-based capital ratio | 16.7683% | 3,250 |
| Memoranda: | ||
| Average total assets | $110,188,000 | 4,418 |
| Average earning assets | $102,334,750 | 4,382 |
| Average equity | $8,238,000 | 5,182 |
| Average total loans | $35,287,250 | 5,406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 5,254 |
| Cost of funding earning assets | 0.2455% | 5,530 |
| Net interest margin | 3.3174% | 4,520 |
| Noninterest income to average assets | 0.9762% | 1,266 |
| Noninterest expense to average assets | 2.7715% | 3,604 |
| Loan and lease loss provision to assets | 0.0573% | 3,146 |
| Net operating income to assets | 1.2203% | 1,531 |
| Return on assets (ROA) | 1.2203% | 1,587 |
| Pretax return on assets | 1.2203% | 2,572 |
| Return on Equity (ROE) | 16.2056% | 639 |
| Retained earnings to average equity (ytd only) | 2.7746% | 4,434 |
| Net charge-offs to loans | 0.0907% | 2,773 |
| Credit loss provision to net charge-offs | 193.7500% | 1,208 |
| Earnings coverage of net charge-offs (x) | 43.1875% | 1,000 |
| Efficiency ratio | 68.4475% | 3,926 |
| Assets per employee ($millions) | 4.0252% | 3,787 |
| Cash dividends to net income (ytd only)* | 82.8788% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,526 |
| Loan loss allowance to noncurrent loans | 2,760.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 5,381 |
| Noncurrent loans to loans | 0.0574% | 5,866 |
| Net loans and leases to total assets | 31.5455% | 6,259 |
| Net loans and leases to deposits | 34.5410% | 6,335 |
| Net loans and leases to core deposits | 34.8372% | 6,359 |
| Total domestic deposits to total assets | 91.3278% | 302 |
| Equity capital to assets | 7.7916% | 6,260 |
| Core capital (leverage) ratio | 7.0174% | 6,426 |
| Tier 1 risk-based capital ratio | 17.0113% | 2,615 |
| Total risk-based capital ratio | 18.2388% | 2,580 |
| Memoranda: | ||
| Average total assets | $108,173,000 | 4,486 |
| Average earning assets | $100,198,330 | 4,467 |
| Average equity | $8,145,330 | 5,230 |
| Average total loans | $35,265,000 | 5,449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 5,299 |
| Cost of funding earning assets | 0.2472% | 5,607 |
| Net interest margin | 3.3017% | 4,531 |
| Noninterest income to average assets | 0.9785% | 1,178 |
| Noninterest expense to average assets | 2.7947% | 3,591 |
| Loan and lease loss provision to assets | 0.0630% | 2,862 |
| Net operating income to assets | 1.1898% | 1,513 |
| Return on assets (ROA) | 1.1898% | 1,583 |
| Pretax return on assets | 1.1898% | 2,527 |
| Return on Equity (ROE) | 16.0822% | 633 |
| Retained earnings to average equity (ytd only) | 2.7555% | 4,434 |
| Net charge-offs to loans | 0.1578% | 1,770 |
| Credit loss provision to net charge-offs | 121.4286% | 1,447 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,187 |
| Efficiency ratio | 69.0476% | 3,993 |
| Assets per employee ($millions) | 4.0313% | 3,882 |
| Cash dividends to net income (ytd only)* | 82.8660% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 2,982 |
| Loan loss allowance to noncurrent loans | 1,020.7547% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 5,367 |
| Noncurrent loans to loans | 0.1507% | 5,634 |
| Net loans and leases to total assets | 31.8150% | 6,273 |
| Net loans and leases to deposits | 34.6619% | 6,355 |
| Net loans and leases to core deposits | 34.9396% | 6,384 |
| Total domestic deposits to total assets | 91.7865% | 301 |
| Equity capital to assets | 7.3591% | 6,358 |
| Core capital (leverage) ratio | 6.9673% | 6,477 |
| Tier 1 risk-based capital ratio | 16.5594% | 2,865 |
| Total risk-based capital ratio | 17.7393% | 2,875 |
| Memoranda: | ||
| Average total assets | $107,919,000 | 4,534 |
| Average earning assets | $100,310,500 | 4,500 |
| Average equity | $7,984,000 | 5,299 |
| Average total loans | $35,479,500 | 5,487 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 5,940 |
| Cost of funding earning assets | 0.2719% | 5,816 |
| Net interest margin | 3.0635% | 5,425 |
| Noninterest income to average assets | 0.9862% | 1,428 |
| Noninterest expense to average assets | 2.7208% | 4,024 |
| Loan and lease loss provision to assets | 0.0930% | 3,253 |
| Net operating income to assets | 0.9900% | 2,367 |
| Return on assets (ROA) | 1.0913% | 2,035 |
| Pretax return on assets | 1.0913% | 2,978 |
| Return on Equity (ROE) | 14.1712% | 910 |
| Retained earnings to average equity (ytd only) | 2.4262% | 4,521 |
| Net charge-offs to loans | 0.1453% | 3,349 |
| Credit loss provision to net charge-offs | 204.0816% | 1,124 |
| Earnings coverage of net charge-offs (x) | 23.7755% | 1,399 |
| Efficiency ratio | 71.5298% | 3,562 |
| Assets per employee ($millions) | 4.1151% | 3,616 |
| Cash dividends to net income (ytd only)* | 82.8790% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 3,280 |
| Loan loss allowance to noncurrent loans | 1,394.7368% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 5,481 |
| Noncurrent loans to loans | 0.1062% | 5,891 |
| Net loans and leases to total assets | 32.9545% | 6,339 |
| Net loans and leases to deposits | 36.0054% | 6,426 |
| Net loans and leases to core deposits | 36.2993% | 6,460 |
| Total domestic deposits to total assets | 91.5265% | 394 |
| Equity capital to assets | 7.4379% | 6,312 |
| Core capital (leverage) ratio | 7.0115% | 6,527 |
| Tier 1 risk-based capital ratio | 15.1168% | 3,599 |
| Total risk-based capital ratio | 16.1797% | 3,657 |
| Memoranda: | ||
| Average total assets | $107,580,200 | 4,556 |
| Average earning assets | $98,940,200 | 4,540 |
| Average equity | $8,284,400 | 5,267 |
| Average total loans | $33,728,200 | 5,589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 6,151 |
| Cost of funding earning assets | 0.2777% | 5,906 |
| Net interest margin | 2.9602% | 5,682 |
| Noninterest income to average assets | 0.9852% | 1,494 |
| Noninterest expense to average assets | 2.7266% | 3,916 |
| Loan and lease loss provision to assets | 0.0990% | 3,109 |
| Net operating income to assets | 0.8775% | 2,951 |
| Return on assets (ROA) | 0.8775% | 3,065 |
| Pretax return on assets | 0.8775% | 3,975 |
| Return on Equity (ROE) | 11.2994% | 1,705 |
| Retained earnings to average equity (ytd only) | 2.3906% | 4,903 |
| Net charge-offs to loans | 0.1004% | 3,544 |
| Credit loss provision to net charge-offs | 320.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 31.5623% | 1,198 |
| Efficiency ratio | 73.6297% | 3,117 |
| Assets per employee ($millions) | 3.8997% | 4,038 |
| Cash dividends to net income (ytd only)* | 78.8429% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 3,210 |
| Loan loss allowance to noncurrent loans | 795.5224% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 5,594 |
| Noncurrent loans to loans | 0.1954% | 5,750 |
| Net loans and leases to total assets | 30.9171% | 6,498 |
| Net loans and leases to deposits | 33.7142% | 6,577 |
| Net loans and leases to core deposits | 33.9836% | 6,612 |
| Total domestic deposits to total assets | 91.7036% | 313 |
| Equity capital to assets | 7.3797% | 6,432 |
| Core capital (leverage) ratio | 6.8479% | 6,620 |
| Tier 1 risk-based capital ratio | 15.3457% | 3,541 |
| Total risk-based capital ratio | 16.4381% | 3,595 |
| Memoranda: | ||
| Average total assets | $107,727,000 | 4,599 |
| Average earning assets | $98,908,250 | 4,590 |
| Average equity | $8,366,000 | 5,303 |
| Average total loans | $33,213,000 | 5,670 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2521% | 6,157 |
| Cost of funding earning assets | 0.2827% | 5,962 |
| Net interest margin | 2.9694% | 5,648 |
| Noninterest income to average assets | 0.9642% | 1,619 |
| Noninterest expense to average assets | 2.7285% | 3,935 |
| Loan and lease loss provision to assets | 0.0932% | 3,230 |
| Net operating income to assets | 0.8654% | 2,968 |
| Return on assets (ROA) | 0.8654% | 3,121 |
| Pretax return on assets | 0.8654% | 4,042 |
| Return on Equity (ROE) | 10.9580% | 1,823 |
| Retained earnings to average equity (ytd only) | 2.3616% | 4,791 |
| Net charge-offs to loans | 0.0609% | 3,835 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 51.4000% | 789 |
| Efficiency ratio | 74.0010% | 3,129 |
| Assets per employee ($millions) | 4.0603% | 3,663 |
| Cash dividends to net income (ytd only)* | 78.4483% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,180 |
| Loan loss allowance to noncurrent loans | 512.8713% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 5,542 |
| Noncurrent loans to loans | 0.3104% | 5,519 |
| Net loans and leases to total assets | 29.2040% | 6,604 |
| Net loans and leases to deposits | 31.8064% | 6,656 |
| Net loans and leases to core deposits | 31.9786% | 6,685 |
| Total domestic deposits to total assets | 91.8179% | 285 |
| Equity capital to assets | 7.2973% | 6,516 |
| Core capital (leverage) ratio | 6.9431% | 6,627 |
| Tier 1 risk-based capital ratio | 16.1565% | 3,114 |
| Total risk-based capital ratio | 17.2818% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,238,670 | 4,634 |
| Average earning assets | $98,335,000 | 4,640 |
| Average equity | $8,468,670 | 5,319 |
| Average total loans | $32,853,330 | 5,720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 6,084 |
| Cost of funding earning assets | 0.2974% | 5,982 |
| Net interest margin | 3.0364% | 5,470 |
| Noninterest income to average assets | 0.9468% | 1,625 |
| Noninterest expense to average assets | 2.7008% | 4,057 |
| Loan and lease loss provision to assets | 0.0754% | 3,370 |
| Net operating income to assets | 0.9430% | 2,461 |
| Return on assets (ROA) | 0.9430% | 2,605 |
| Pretax return on assets | 0.9430% | 3,598 |
| Return on Equity (ROE) | 11.4903% | 1,561 |
| Retained earnings to average equity (ytd only) | 2.2981% | 4,875 |
| Net charge-offs to loans | 0.1939% | 2,249 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,347 |
| Efficiency ratio | 72.6166% | 3,498 |
| Assets per employee ($millions) | 4.0848% | 3,773 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 4,012 |
| Loan loss allowance to noncurrent loans | 610.1266% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 5,669 |
| Noncurrent loans to loans | 0.2380% | 5,818 |
| Net loans and leases to total assets | 30.8058% | 6,570 |
| Net loans and leases to deposits | 33.9413% | 6,640 |
| Net loans and leases to core deposits | 34.2296% | 6,666 |
| Total domestic deposits to total assets | 90.7621% | 637 |
| Equity capital to assets | 8.1927% | 6,255 |
| Core capital (leverage) ratio | 7.0180% | 6,639 |
| Tier 1 risk-based capital ratio | 17.3922% | 2,606 |
| Total risk-based capital ratio | 18.5271% | 2,619 |
| Memoranda: | ||
| Average total assets | $106,043,500 | 4,716 |
| Average earning assets | $96,825,500 | 4,716 |
| Average equity | $8,703,000 | 5,301 |
| Average total loans | $33,013,000 | 5,751 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 5,905 |
| Cost of funding earning assets | 0.4086% | 5,856 |
| Net interest margin | 3.3601% | 5,037 |
| Noninterest income to average assets | 1.0931% | 1,294 |
| Noninterest expense to average assets | 2.8286% | 3,909 |
| Loan and lease loss provision to assets | 0.1186% | 4,140 |
| Net operating income to assets | 1.2097% | 1,570 |
| Return on assets (ROA) | 1.2097% | 1,735 |
| Pretax return on assets | 1.2097% | 2,770 |
| Return on Equity (ROE) | 14.9699% | 815 |
| Retained earnings to average equity (ytd only) | 3.6936% | 3,618 |
| Net charge-offs to loans | 0.2684% | 3,325 |
| Credit loss provision to net charge-offs | 131.8681% | 2,122 |
| Earnings coverage of net charge-offs (x) | 14.7692% | 1,710 |
| Efficiency ratio | 68.0456% | 4,135 |
| Assets per employee ($millions) | 4.0724% | 3,807 |
| Cash dividends to net income (ytd only)* | 75.3268% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,917 |
| Loan loss allowance to noncurrent loans | 346.3768% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 5,390 |
| Noncurrent loans to loans | 0.4204% | 5,437 |
| Net loans and leases to total assets | 30.5516% | 6,682 |
| Net loans and leases to deposits | 33.7028% | 6,741 |
| Net loans and leases to core deposits | 33.9900% | 6,767 |
| Total domestic deposits to total assets | 90.6501% | 635 |
| Equity capital to assets | 8.2213% | 6,265 |
| Core capital (leverage) ratio | 6.9552% | 6,715 |
| Tier 1 risk-based capital ratio | 17.3821% | 2,493 |
| Total risk-based capital ratio | 18.5146% | 2,512 |
| Memoranda: | ||
| Average total assets | $101,179,600 | 4,802 |
| Average earning assets | $92,258,600 | 4,803 |
| Average equity | $8,176,400 | 5,449 |
| Average total loans | $33,900,600 | 5,762 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 5,955 |
| Cost of funding earning assets | 0.4369% | 5,885 |
| Net interest margin | 3.3900% | 5,067 |
| Noninterest income to average assets | 1.1053% | 1,230 |
| Noninterest expense to average assets | 2.8572% | 3,764 |
| Loan and lease loss provision to assets | 0.1200% | 4,049 |
| Net operating income to assets | 1.2213% | 1,665 |
| Return on assets (ROA) | 1.2213% | 1,838 |
| Pretax return on assets | 1.2213% | 2,909 |
| Return on Equity (ROE) | 15.1823% | 868 |
| Retained earnings to average equity (ytd only) | 4.1602% | 3,972 |
| Net charge-offs to loans | 0.1834% | 3,650 |
| Credit loss provision to net charge-offs | 191.4894% | 1,450 |
| Earnings coverage of net charge-offs (x) | 21.4026% | 1,407 |
| Efficiency ratio | 68.0534% | 4,050 |
| Assets per employee ($millions) | 4.0714% | 3,733 |
| Cash dividends to net income (ytd only)* | 72.5981% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 4,041 |
| Loan loss allowance to noncurrent loans | 393.6000% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 5,602 |
| Noncurrent loans to loans | 0.3752% | 5,724 |
| Net loans and leases to total assets | 31.0060% | 6,775 |
| Net loans and leases to deposits | 34.2939% | 6,858 |
| Net loans and leases to core deposits | 34.5862% | 6,887 |
| Total domestic deposits to total assets | 90.4125% | 627 |
| Equity capital to assets | 8.3537% | 6,381 |
| Core capital (leverage) ratio | 6.9943% | 6,795 |
| Tier 1 risk-based capital ratio | 17.2051% | 2,650 |
| Total risk-based capital ratio | 18.3669% | 2,632 |
| Memoranda: | ||
| Average total assets | $100,003,750 | 4,879 |
| Average earning assets | $91,247,250 | 4,879 |
| Average equity | $8,044,250 | 5,547 |
| Average total loans | $34,169,000 | 5,826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 5,987 |
| Cost of funding earning assets | 0.4690% | 5,833 |
| Net interest margin | 3.4015% | 5,084 |
| Noninterest income to average assets | 1.1259% | 1,124 |
| Noninterest expense to average assets | 2.9025% | 3,609 |
| Loan and lease loss provision to assets | 0.1224% | 3,993 |
| Net operating income to assets | 1.2075% | 1,686 |
| Return on assets (ROA) | 1.2075% | 1,881 |
| Pretax return on assets | 1.2075% | 2,889 |
| Return on Equity (ROE) | 15.2224% | 897 |
| Retained earnings to average equity (ytd only) | 3.0085% | 4,641 |
| Net charge-offs to loans | 0.1974% | 3,406 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 19.1765% | 1,449 |
| Efficiency ratio | 68.5783% | 4,026 |
| Assets per employee ($millions) | 4.0703% | 3,720 |
| Cash dividends to net income (ytd only)* | 80.2365% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,514 |
| Loan loss allowance to noncurrent loans | 210.1770% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,140 |
| Noncurrent loans to loans | 0.6590% | 5,186 |
| Net loans and leases to total assets | 31.9547% | 6,808 |
| Net loans and leases to deposits | 35.3084% | 6,891 |
| Net loans and leases to core deposits | 35.6085% | 6,919 |
| Total domestic deposits to total assets | 90.5016% | 661 |
| Equity capital to assets | 7.9884% | 6,573 |
| Core capital (leverage) ratio | 7.1404% | 6,772 |
| Tier 1 risk-based capital ratio | 16.5510% | 2,885 |
| Total risk-based capital ratio | 17.6502% | 2,925 |
| Memoranda: | ||
| Average total assets | $98,052,670 | 4,954 |
| Average earning assets | $89,548,330 | 4,953 |
| Average equity | $7,778,000 | 5,634 |
| Average total loans | $34,454,000 | 5,852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 5,603 |
| Cost of funding earning assets | 0.4812% | 5,934 |
| Net interest margin | 3.5697% | 4,396 |
| Noninterest income to average assets | 1.0959% | 1,191 |
| Noninterest expense to average assets | 2.9183% | 3,544 |
| Loan and lease loss provision to assets | 0.1274% | 3,753 |
| Net operating income to assets | 1.2956% | 1,470 |
| Return on assets (ROA) | 1.2956% | 1,640 |
| Pretax return on assets | 1.2956% | 2,557 |
| Return on Equity (ROE) | 16.3978% | 755 |
| Retained earnings to average equity (ytd only) | 8.1720% | 1,919 |
| Net charge-offs to loans | 0.0463% | 4,053 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 83.7500% | 409 |
| Efficiency ratio | 67.2211% | 4,318 |
| Assets per employee ($millions) | 4.0437% | 3,913 |
| Cash dividends to net income (ytd only)* | 50.1639% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,694 |
| Loan loss allowance to noncurrent loans | 186.2745% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 5,552 |
| Noncurrent loans to loans | 0.7398% | 5,187 |
| Net loans and leases to total assets | 35.0280% | 6,687 |
| Net loans and leases to deposits | 38.5927% | 6,801 |
| Net loans and leases to core deposits | 38.9487% | 6,854 |
| Total domestic deposits to total assets | 90.7633% | 657 |
| Equity capital to assets | 7.7694% | 6,648 |
| Core capital (leverage) ratio | 6.6254% | 6,949 |
| Tier 1 risk-based capital ratio | 14.9806% | 3,777 |
| Total risk-based capital ratio | 16.1308% | 3,807 |
| Memoranda: | ||
| Average total assets | $94,165,000 | 5,098 |
| Average earning assets | $85,610,500 | 5,096 |
| Average equity | $7,440,000 | 5,758 |
| Average total loans | $34,535,000 | 5,895 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 5,172 |
| Cost of funding earning assets | 0.5439% | 6,368 |
| Net interest margin | 3.9288% | 3,211 |
| Noninterest income to average assets | 1.1010% | 1,096 |
| Noninterest expense to average assets | 3.0248% | 3,497 |
| Loan and lease loss provision to assets | 0.1309% | 4,979 |
| Net operating income to assets | 1.5080% | 808 |
| Return on assets (ROA) | 1.5080% | 877 |
| Pretax return on assets | 1.5080% | 1,446 |
| Return on Equity (ROE) | 19.2490% | 299 |
| Retained earnings to average equity (ytd only) | 2.7857% | 4,254 |
| Net charge-offs to loans | 0.2745% | 4,054 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 15.6458% | 1,380 |
| Efficiency ratio | 64.8573% | 4,973 |
| Assets per employee ($millions) | 3.8034% | 4,310 |
| Cash dividends to net income (ytd only)* | 85.5282% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,917 |
| Loan loss allowance to noncurrent loans | 311.8056% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 5,873 |
| Noncurrent loans to loans | 0.4162% | 5,886 |
| Net loans and leases to total assets | 37.4137% | 6,670 |
| Net loans and leases to deposits | 41.4486% | 6,814 |
| Net loans and leases to core deposits | 41.8494% | 6,890 |
| Total domestic deposits to total assets | 90.2653% | 842 |
| Equity capital to assets | 8.0410% | 6,543 |
| Core capital (leverage) ratio | 6.5906% | 6,962 |
| Tier 1 risk-based capital ratio | 14.7982% | 3,758 |
| Total risk-based capital ratio | 15.8992% | 3,843 |
| Memoranda: | ||
| Average total assets | $91,641,800 | 5,143 |
| Average earning assets | $83,104,000 | 5,138 |
| Average equity | $7,179,600 | 5,817 |
| Average total loans | $34,975,000 | 5,914 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 5,249 |
| Cost of funding earning assets | 0.5625% | 6,463 |
| Net interest margin | 3.9389% | 3,192 |
| Noninterest income to average assets | 1.1177% | 1,065 |
| Noninterest expense to average assets | 2.9825% | 3,618 |
| Loan and lease loss provision to assets | 0.1308% | 4,794 |
| Net operating income to assets | 1.5770% | 808 |
| Return on assets (ROA) | 1.5770% | 880 |
| Pretax return on assets | 1.5770% | 1,445 |
| Return on Equity (ROE) | 20.2623% | 290 |
| Retained earnings to average equity (ytd only) | 2.8013% | 4,678 |
| Net charge-offs to loans | 0.2509% | 3,859 |
| Credit loss provision to net charge-offs | 136.3636% | 2,336 |
| Earnings coverage of net charge-offs (x) | 17.8026% | 1,330 |
| Efficiency ratio | 63.5885% | 5,139 |
| Assets per employee ($millions) | 4.0601% | 3,715 |
| Cash dividends to net income (ytd only)* | 86.1755% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,215 |
| Loan loss allowance to noncurrent loans | 103.2184% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 5,888 |
| Noncurrent loans to loans | 1.2167% | 4,515 |
| Net loans and leases to total assets | 37.8049% | 6,780 |
| Net loans and leases to deposits | 41.8733% | 6,915 |
| Net loans and leases to core deposits | 42.2689% | 6,979 |
| Total domestic deposits to total assets | 90.2840% | 729 |
| Equity capital to assets | 7.8987% | 6,755 |
| Core capital (leverage) ratio | 6.4329% | 7,081 |
| Tier 1 risk-based capital ratio | 14.3932% | 4,059 |
| Total risk-based capital ratio | 15.4730% | 4,147 |
| Memoranda: | ||
| Average total assets | $91,731,750 | 5,174 |
| Average earning assets | $83,201,750 | 5,180 |
| Average equity | $7,139,500 | 5,866 |
| Average total loans | $35,068,500 | 5,969 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 5,325 |
| Cost of funding earning assets | 0.5735% | 6,568 |
| Net interest margin | 3.9348% | 3,150 |
| Noninterest income to average assets | 1.1318% | 1,009 |
| Noninterest expense to average assets | 3.0138% | 3,585 |
| Loan and lease loss provision to assets | 0.1316% | 4,651 |
| Net operating income to assets | 1.5683% | 775 |
| Return on assets (ROA) | 1.5683% | 826 |
| Pretax return on assets | 1.5683% | 1,333 |
| Return on Equity (ROE) | 20.2530% | 298 |
| Retained earnings to average equity (ytd only) | 2.8043% | 4,496 |
| Net charge-offs to loans | 0.0057% | 5,796 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 775.0000% | 38 |
| Efficiency ratio | 63.9367% | 5,252 |
| Assets per employee ($millions) | 3.8154% | 4,162 |
| Cash dividends to net income (ytd only)* | 86.1538% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,719 |
| Loan loss allowance to noncurrent loans | 215.1111% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 6,490 |
| Noncurrent loans to loans | 0.6377% | 5,652 |
| Net loans and leases to total assets | 38.0041% | 6,858 |
| Net loans and leases to deposits | 41.9035% | 6,997 |
| Net loans and leases to core deposits | 42.9439% | 7,043 |
| Total domestic deposits to total assets | 90.6944% | 640 |
| Equity capital to assets | 7.8968% | 6,746 |
| Core capital (leverage) ratio | 6.5445% | 7,117 |
| Tier 1 risk-based capital ratio | 14.6619% | 3,691 |
| Total risk-based capital ratio | 15.8576% | 3,692 |
| Memoranda: | ||
| Average total assets | $91,181,670 | 5,231 |
| Average earning assets | $83,002,000 | 5,230 |
| Average equity | $7,060,670 | 5,904 |
| Average total loans | $34,840,670 | 6,035 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 5,476 |
| Cost of funding earning assets | 0.5893% | 6,653 |
| Net interest margin | 3.8736% | 3,278 |
| Noninterest income to average assets | 1.1210% | 1,046 |
| Noninterest expense to average assets | 3.0070% | 3,622 |
| Loan and lease loss provision to assets | 0.1319% | 4,347 |
| Net operating income to assets | 1.5079% | 858 |
| Return on assets (ROA) | 1.5079% | 901 |
| Pretax return on assets | 1.5079% | 1,423 |
| Return on Equity (ROE) | 19.6688% | 349 |
| Retained earnings to average equity (ytd only) | 2.8098% | 4,484 |
| Net charge-offs to loans | 0.0347% | 4,612 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 124.3333% | 257 |
| Efficiency ratio | 64.7114% | 5,237 |
| Assets per employee ($millions) | 3.7866% | 4,329 |
| Cash dividends to net income (ytd only)* | 85.7143% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 5,065 |
| Loan loss allowance to noncurrent loans | 64.0227% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 5,291 |
| Noncurrent loans to loans | 2.0518% | 3,504 |
| Net loans and leases to total assets | 37.3640% | 6,940 |
| Net loans and leases to deposits | 41.1259% | 7,060 |
| Net loans and leases to core deposits | 42.6551% | 7,087 |
| Total domestic deposits to total assets | 90.8527% | 699 |
| Equity capital to assets | 7.6937% | 6,749 |
| Core capital (leverage) ratio | 6.5305% | 7,163 |
| Tier 1 risk-based capital ratio | 14.7786% | 3,557 |
| Total risk-based capital ratio | 15.9137% | 3,594 |
| Memoranda: | ||
| Average total assets | $90,988,000 | 5,264 |
| Average earning assets | $82,816,000 | 5,277 |
| Average equity | $6,975,500 | 5,935 |
| Average total loans | $34,619,000 | 6,098 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 5,740 |
| Cost of funding earning assets | 0.8938% | 6,193 |
| Net interest margin | 3.8245% | 3,840 |
| Noninterest income to average assets | 1.1078% | 1,210 |
| Noninterest expense to average assets | 3.1635% | 3,218 |
| Loan and lease loss provision to assets | 0.1399% | 5,782 |
| Net operating income to assets | 1.2376% | 1,324 |
| Return on assets (ROA) | 1.2376% | 1,395 |
| Pretax return on assets | 1.2376% | 2,112 |
| Return on Equity (ROE) | 15.9850% | 584 |
| Retained earnings to average equity (ytd only) | 3.2375% | 3,603 |
| Net charge-offs to loans | 0.2753% | 4,645 |
| Credit loss provision to net charge-offs | 130.2083% | 3,051 |
| Earnings coverage of net charge-offs (x) | 12.8229% | 1,465 |
| Efficiency ratio | 69.2706% | 4,319 |
| Assets per employee ($millions) | 3.7957% | 4,271 |
| Cash dividends to net income (ytd only)* | 79.7468% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,412 |
| Loan loss allowance to noncurrent loans | 228.4946% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 6,694 |
| Noncurrent loans to loans | 0.5340% | 5,980 |
| Net loans and leases to total assets | 37.7674% | 7,081 |
| Net loans and leases to deposits | 41.5178% | 7,205 |
| Net loans and leases to core deposits | 43.1378% | 7,227 |
| Total domestic deposits to total assets | 90.9668% | 609 |
| Equity capital to assets | 7.6391% | 6,786 |
| Core capital (leverage) ratio | 6.4949% | 7,192 |
| Tier 1 risk-based capital ratio | 14.3989% | 3,616 |
| Total risk-based capital ratio | 15.4476% | 3,693 |
| Memoranda: | ||
| Average total assets | $89,363,000 | 5,310 |
| Average earning assets | $80,218,600 | 5,339 |
| Average equity | $6,919,000 | 6,062 |
| Average total loans | $34,877,200 | 6,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 5,623 |
| Cost of funding earning assets | 0.9600% | 6,130 |
| Net interest margin | 3.8486% | 3,756 |
| Noninterest income to average assets | 1.0765% | 1,235 |
| Noninterest expense to average assets | 3.1500% | 3,109 |
| Loan and lease loss provision to assets | 0.1424% | 5,610 |
| Net operating income to assets | 1.2339% | 1,504 |
| Return on assets (ROA) | 1.2339% | 1,580 |
| Pretax return on assets | 1.2339% | 2,382 |
| Return on Equity (ROE) | 15.8823% | 718 |
| Retained earnings to average equity (ytd only) | 2.8948% | 4,399 |
| Net charge-offs to loans | 0.3325% | 3,998 |
| Credit loss provision to net charge-offs | 109.1954% | 3,892 |
| Earnings coverage of net charge-offs (x) | 10.5515% | 1,873 |
| Efficiency ratio | 69.1951% | 4,222 |
| Assets per employee ($millions) | 3.5976% | 4,743 |
| Cash dividends to net income (ytd only)* | 81.7736% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 5,700 |
| Loan loss allowance to noncurrent loans | 420.8333% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 7,059 |
| Noncurrent loans to loans | 0.2738% | 6,639 |
| Net loans and leases to total assets | 38.5324% | 7,163 |
| Net loans and leases to deposits | 42.5081% | 7,288 |
| Net loans and leases to core deposits | 43.5278% | 7,339 |
| Total domestic deposits to total assets | 90.6471% | 574 |
| Equity capital to assets | 7.8708% | 6,887 |
| Core capital (leverage) ratio | 6.5579% | 7,320 |
| Tier 1 risk-based capital ratio | 14.1117% | 3,754 |
| Total risk-based capital ratio | 15.1020% | 3,918 |
| Memoranda: | ||
| Average total assets | $88,929,500 | 5,385 |
| Average earning assets | $79,716,000 | 5,421 |
| Average equity | $6,909,000 | 6,146 |
| Average total loans | $34,889,000 | 6,243 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 5,625 |
| Cost of funding earning assets | 1.0149% | 6,073 |
| Net interest margin | 3.8294% | 3,767 |
| Noninterest income to average assets | 1.0768% | 1,155 |
| Noninterest expense to average assets | 3.0973% | 3,338 |
| Loan and lease loss provision to assets | 0.1467% | 5,429 |
| Net operating income to assets | 1.2913% | 1,329 |
| Return on assets (ROA) | 1.2913% | 1,388 |
| Pretax return on assets | 1.2913% | 2,118 |
| Return on Equity (ROE) | 16.6951% | 611 |
| Retained earnings to average equity (ytd only) | 2.9187% | 4,275 |
| Net charge-offs to loans | 0.1493% | 4,742 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,064 |
| Efficiency ratio | 67.8945% | 4,603 |
| Assets per employee ($millions) | 3.5799% | 4,736 |
| Cash dividends to net income (ytd only)* | 82.5175% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 5,165 |
| Loan loss allowance to noncurrent loans | 53.9033% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 5,316 |
| Noncurrent loans to loans | 2.3242% | 3,340 |
| Net loans and leases to total assets | 38.3097% | 7,254 |
| Net loans and leases to deposits | 42.4757% | 7,377 |
| Net loans and leases to core deposits | 44.2914% | 7,396 |
| Total domestic deposits to total assets | 90.1919% | 820 |
| Equity capital to assets | 7.8517% | 6,888 |
| Core capital (leverage) ratio | 6.2795% | 7,434 |
| Tier 1 risk-based capital ratio | 14.2113% | 3,597 |
| Total risk-based capital ratio | 15.2951% | 3,666 |
| Memoranda: | ||
| Average total assets | $88,592,670 | 5,433 |
| Average earning assets | $80,011,670 | 5,439 |
| Average equity | $6,852,330 | 6,187 |
| Average total loans | $34,832,000 | 6,294 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 5,549 |
| Cost of funding earning assets | 1.0721% | 6,029 |
| Net interest margin | 3.8102% | 3,757 |
| Noninterest income to average assets | 1.0710% | 1,107 |
| Noninterest expense to average assets | 3.0315% | 3,559 |
| Loan and lease loss provision to assets | 0.1588% | 4,944 |
| Net operating income to assets | 1.3161% | 1,263 |
| Return on assets (ROA) | 1.3161% | 1,336 |
| Pretax return on assets | 1.3161% | 2,012 |
| Return on Equity (ROE) | 17.1471% | 594 |
| Retained earnings to average equity (ytd only) | 2.9564% | 4,352 |
| Net charge-offs to loans | 0.3096% | 3,179 |
| Credit loss provision to net charge-offs | 129.6296% | 2,728 |
| Earnings coverage of net charge-offs (x) | 12.0370% | 1,596 |
| Efficiency ratio | 66.8681% | 4,944 |
| Assets per employee ($millions) | 3.7584% | 4,403 |
| Cash dividends to net income (ytd only)* | 82.7586% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,785 |
| Loan loss allowance to noncurrent loans | 44.8391% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 5,148 |
| Noncurrent loans to loans | 2.5613% | 3,106 |
| Net loans and leases to total assets | 38.5517% | 7,326 |
| Net loans and leases to deposits | 42.6246% | 7,442 |
| Net loans and leases to core deposits | 45.0551% | 7,453 |
| Total domestic deposits to total assets | 90.4447% | 765 |
| Equity capital to assets | 7.5576% | 7,026 |
| Core capital (leverage) ratio | 6.3851% | 7,509 |
| Tier 1 risk-based capital ratio | 13.1607% | 4,236 |
| Total risk-based capital ratio | 14.1017% | 4,411 |
| Memoranda: | ||
| Average total assets | $88,140,500 | 5,509 |
| Average earning assets | $79,471,000 | 5,525 |
| Average equity | $6,765,000 | 6,268 |
| Average total loans | $34,887,500 | 6,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 3,677 |
| Cost of funding earning assets | 1.4883% | 5,558 |
| Net interest margin | 4.0984% | 2,456 |
| Noninterest income to average assets | 1.1649% | 1,135 |
| Noninterest expense to average assets | 3.3019% | 3,002 |
| Loan and lease loss provision to assets | 0.1095% | 6,554 |
| Net operating income to assets | 1.4275% | 807 |
| Return on assets (ROA) | 1.5981% | 588 |
| Pretax return on assets | 1.5981% | 973 |
| Return on Equity (ROE) | 20.1349% | 238 |
| Retained earnings to average equity (ytd only) | 2.3522% | 3,476 |
| Net charge-offs to loans | 0.1351% | 5,854 |
| Credit loss provision to net charge-offs | 191.3043% | 2,086 |
| Earnings coverage of net charge-offs (x) | 26.8478% | 842 |
| Efficiency ratio | 67.8241% | 5,035 |
| Assets per employee ($millions) | 3.4432% | 5,144 |
| Cash dividends to net income (ytd only)* | 88.3178% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,666 |
| Loan loss allowance to noncurrent loans | 216.3934% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 6,547 |
| Noncurrent loans to loans | 0.5289% | 6,197 |
| Net loans and leases to total assets | 39.7316% | 7,364 |
| Net loans and leases to deposits | 44.1537% | 7,510 |
| Net loans and leases to core deposits | 49.4649% | 7,599 |
| Total domestic deposits to total assets | 89.9849% | 968 |
| Equity capital to assets | 7.7986% | 6,769 |
| Core capital (leverage) ratio | 6.5168% | 7,487 |
| Tier 1 risk-based capital ratio | 13.3371% | 3,922 |
| Total risk-based capital ratio | 14.2809% | 4,067 |
| Memoranda: | ||
| Average total assets | $80,347,600 | 5,716 |
| Average earning assets | $72,027,400 | 5,750 |
| Average equity | $6,377,000 | 6,472 |
| Average total loans | $34,053,400 | 6,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 3,237 |
| Cost of funding earning assets | 1.5752% | 5,513 |
| Net interest margin | 4.1453% | 2,229 |
| Noninterest income to average assets | 1.1996% | 1,071 |
| Noninterest expense to average assets | 3.2727% | 3,020 |
| Loan and lease loss provision to assets | 0.0811% | 6,556 |
| Net operating income to assets | 1.5628% | 716 |
| Return on assets (ROA) | 1.5628% | 768 |
| Pretax return on assets | 1.5628% | 1,254 |
| Return on Equity (ROE) | 19.5980% | 335 |
| Retained earnings to average equity (ytd only) | 2.1398% | 4,130 |
| Net charge-offs to loans | 0.1061% | 5,609 |
| Credit loss provision to net charge-offs | 177.7778% | 2,593 |
| Earnings coverage of net charge-offs (x) | 36.0361% | 808 |
| Efficiency ratio | 66.1512% | 5,333 |
| Assets per employee ($millions) | 3.4147% | 5,136 |
| Cash dividends to net income (ytd only)* | 89.0813% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,737 |
| Loan loss allowance to noncurrent loans | 269.7842% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 6,702 |
| Noncurrent loans to loans | 0.4072% | 6,518 |
| Net loans and leases to total assets | 39.5469% | 7,482 |
| Net loans and leases to deposits | 44.0197% | 7,619 |
| Net loans and leases to core deposits | 49.9808% | 7,687 |
| Total domestic deposits to total assets | 89.8392% | 831 |
| Equity capital to assets | 7.8625% | 6,977 |
| Core capital (leverage) ratio | 6.6847% | 7,591 |
| Tier 1 risk-based capital ratio | 13.4596% | 3,883 |
| Total risk-based capital ratio | 14.3704% | 4,044 |
| Memoranda: | ||
| Average total assets | $78,914,500 | 5,801 |
| Average earning assets | $70,760,500 | 5,822 |
| Average equity | $6,293,000 | 6,560 |
| Average total loans | $33,917,500 | 6,451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 2,500 |
| Cost of funding earning assets | 1.6174% | 5,679 |
| Net interest margin | 4.3024% | 1,648 |
| Noninterest income to average assets | 1.2662% | 950 |
| Noninterest expense to average assets | 3.3193% | 2,884 |
| Loan and lease loss provision to assets | 0.0990% | 6,183 |
| Net operating income to assets | 1.7013% | 566 |
| Return on assets (ROA) | 1.7013% | 617 |
| Pretax return on assets | 1.7013% | 1,014 |
| Return on Equity (ROE) | 21.2243% | 272 |
| Retained earnings to average equity (ytd only) | 1.6576% | 4,416 |
| Net charge-offs to loans | 0.0827% | 5,379 |
| Credit loss provision to net charge-offs | 271.4286% | 1,723 |
| Earnings coverage of net charge-offs (x) | 49.3571% | 688 |
| Efficiency ratio | 64.4275% | 5,821 |
| Assets per employee ($millions) | 3.1994% | 5,589 |
| Cash dividends to net income (ytd only)* | 92.1899% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 5,503 |
| Loan loss allowance to noncurrent loans | 236.2500% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 7,020 |
| Noncurrent loans to loans | 0.4714% | 6,346 |
| Net loans and leases to total assets | 41.9604% | 7,447 |
| Net loans and leases to deposits | 46.9780% | 7,598 |
| Net loans and leases to core deposits | 52.0067% | 7,709 |
| Total domestic deposits to total assets | 89.3192% | 1,114 |
| Equity capital to assets | 8.1803% | 6,522 |
| Core capital (leverage) ratio | 6.9558% | 7,571 |
| Tier 1 risk-based capital ratio | 13.3117% | 3,930 |
| Total risk-based capital ratio | 14.2285% | 4,082 |
| Memoranda: | ||
| Average total assets | $76,763,670 | 5,897 |
| Average earning assets | $68,752,670 | 5,930 |
| Average equity | $6,153,330 | 6,665 |
| Average total loans | $33,845,000 | 6,509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0550% | 2,127 |
| Cost of funding earning assets | 1.6342% | 5,888 |
| Net interest margin | 4.4207% | 1,300 |
| Noninterest income to average assets | 1.2295% | 947 |
| Noninterest expense to average assets | 3.2414% | 2,828 |
| Loan and lease loss provision to assets | 0.1490% | 5,027 |
| Net operating income to assets | 1.8416% | 488 |
| Return on assets (ROA) | 1.8416% | 547 |
| Pretax return on assets | 1.8416% | 908 |
| Return on Equity (ROE) | 23.2273% | 252 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | 0.1539% | 3,726 |
| Credit loss provision to net charge-offs | 215.3846% | 2,095 |
| Earnings coverage of net charge-offs (x) | 28.7692% | 1,095 |
| Efficiency ratio | 61.3428% | 6,188 |
| Assets per employee ($millions) | 3.3595% | 5,177 |
| Cash dividends to net income (ytd only)* | 100.0000% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 5,527 |
| Loan loss allowance to noncurrent loans | 241.1765% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 6,940 |
| Noncurrent loans to loans | 0.4527% | 6,289 |
| Net loans and leases to total assets | 43.2663% | 7,395 |
| Net loans and leases to deposits | 48.2152% | 7,569 |
| Net loans and leases to core deposits | 54.4940% | 7,665 |
| Total domestic deposits to total assets | 89.7357% | 918 |
| Equity capital to assets | 7.8131% | 7,048 |
| Core capital (leverage) ratio | 6.6893% | 7,802 |
| Tier 1 risk-based capital ratio | 12.6305% | 4,446 |
| Total risk-based capital ratio | 13.5656% | 4,609 |
| Memoranda: | ||
| Average total assets | $75,153,000 | 5,970 |
| Average earning assets | $68,043,500 | 5,978 |
| Average equity | $5,958,500 | 6,780 |
| Average total loans | $33,797,500 | 6,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5971% | 2,507 |
| Cost of funding earning assets | 2.1550% | 5,807 |
| Net interest margin | 4.4421% | 1,555 |
| Noninterest income to average assets | 1.2938% | 875 |
| Noninterest expense to average assets | 3.4757% | 2,463 |
| Loan and lease loss provision to assets | 0.2057% | 4,834 |
| Net operating income to assets | 1.5747% | 880 |
| Return on assets (ROA) | 1.5875% | 814 |
| Pretax return on assets | 1.5875% | 1,422 |
| Return on Equity (ROE) | 20.1745% | 357 |
| Retained earnings to average equity (ytd only) | 0.0180% | 5,227 |
| Net charge-offs to loans | 0.2315% | 3,926 |
| Credit loss provision to net charge-offs | 198.6301% | 2,461 |
| Earnings coverage of net charge-offs (x) | 17.1918% | 1,791 |
| Efficiency ratio | 65.5331% | 5,215 |
| Assets per employee ($millions) | 3.1756% | 5,549 |
| Cash dividends to net income (ytd only)* | 99.9106% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 5,648 |
| Loan loss allowance to noncurrent loans | 553.1250% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 6,845 |
| Noncurrent loans to loans | 0.1894% | 6,823 |
| Net loans and leases to total assets | 45.7858% | 7,350 |
| Net loans and leases to deposits | 51.2663% | 7,568 |
| Net loans and leases to core deposits | 57.8434% | 7,673 |
| Total domestic deposits to total assets | 89.3097% | 916 |
| Equity capital to assets | 8.0506% | 6,779 |
| Core capital (leverage) ratio | 6.8133% | 7,808 |
| Tier 1 risk-based capital ratio | 12.7506% | 4,260 |
| Total risk-based capital ratio | 13.6570% | 4,400 |
| Memoranda: | ||
| Average total assets | $70,490,000 | 6,023 |
| Average earning assets | $62,876,000 | 6,057 |
| Average equity | $5,546,600 | 6,969 |
| Average total loans | $31,532,200 | 6,627 |