Home > Security Bank > Performance and Condition Ratios
Security 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 | 5.5152% | 1,133 |
| Cost of funding earning assets | 1.6125% | 1,660 |
| Net interest margin | 3.9027% | 1,370 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.1467% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3796% | 1,251 |
| Return on assets (ROA) | 1.3521% | 1,292 |
| Pretax return on assets | 1.3873% | 1,663 |
| Return on Equity (ROE) | 13.7600% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.4349% | 1,741 |
| Net charge-offs to loans | 0.0022% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,025.2500% | 151 |
| Efficiency ratio | 66.3766% | 2,299 |
| Assets per employee ($millions) | 7.0310% | 2,051 |
| Cash dividends to net income (ytd only)* | 45.9535% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,585 |
| Loan loss allowance to noncurrent loans | 10,790.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,755 |
| Noncurrent loans to loans | 0.0106% | 3,681 |
| Net loans and leases to total assets | 63.1400% | 2,555 |
| Net loans and leases to deposits | 70.7558% | 2,834 |
| Net loans and leases to core deposits | 76.3823% | 2,951 |
| Total domestic deposits to total assets | 89.2400% | 991 |
| Equity capital to assets | 10.3409% | 1,825 |
| Core capital (leverage) ratio | 12.6528% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0302% | 1,268 |
| Memoranda: | ||
| Average total assets | $289,695,800 | 2,476 |
| Average earning assets | $268,149,200 | 2,470 |
| Average equity | $28,474,000 | 2,345 |
| Average total loans | $182,285,600 | 2,427 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 1,146 |
| Cost of funding earning assets | 1.5268% | 1,536 |
| Net interest margin | 3.8623% | 1,473 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 3.1740% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3683% | 1,386 |
| Return on assets (ROA) | 1.3171% | 1,488 |
| Pretax return on assets | 1.3541% | 1,884 |
| Return on Equity (ROE) | 13.5800% | 1,774 |
| Retained earnings to average equity (ytd only) | 13.5818% | 728 |
| Net charge-offs to loans | 0.0022% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,014.0000% | 157 |
| Efficiency ratio | 66.6936% | 2,192 |
| Assets per employee ($millions) | 6.3724% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,552 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.3900% | 2,301 |
| Net loans and leases to deposits | 73.3817% | 2,617 |
| Net loans and leases to core deposits | 79.5394% | 2,634 |
| Total domestic deposits to total assets | 89.1100% | 1,209 |
| Equity capital to assets | 10.3144% | 1,638 |
| Core capital (leverage) ratio | 12.9008% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5502% | 1,191 |
| Memoranda: | ||
| Average total assets | $288,293,750 | 2,484 |
| Average earning assets | $267,399,500 | 2,478 |
| Average equity | $27,958,250 | 2,355 |
| Average total loans | $180,702,500 | 2,445 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 1,294 |
| Cost of funding earning assets | 1.4434% | 1,358 |
| Net interest margin | 3.7010% | 1,811 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 3.1465% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2254% | 1,762 |
| Return on assets (ROA) | 1.1494% | 1,967 |
| Pretax return on assets | 1.1845% | 2,398 |
| Return on Equity (ROE) | 12.1000% | 2,125 |
| Retained earnings to average equity (ytd only) | 12.0994% | 965 |
| Net charge-offs to loans | 0.0011% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,837.0000% | 73 |
| Efficiency ratio | 68.6935% | 1,897 |
| Assets per employee ($millions) | 6.7751% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,592 |
| Loan loss allowance to noncurrent loans | 1,500.6944% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,270 |
| Noncurrent loans to loans | 0.0780% | 3,127 |
| Net loans and leases to total assets | 64.1500% | 2,364 |
| Net loans and leases to deposits | 71.8003% | 2,661 |
| Net loans and leases to core deposits | 75.8199% | 2,769 |
| Total domestic deposits to total assets | 89.3500% | 1,121 |
| Equity capital to assets | 10.1960% | 1,747 |
| Core capital (leverage) ratio | 12.0883% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0509% | 1,312 |
| Memoranda: | ||
| Average total assets | $290,930,000 | 2,479 |
| Average earning assets | $270,471,000 | 2,473 |
| Average equity | $27,637,667 | 2,385 |
| Average total loans | $179,104,000 | 2,447 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 1,583 |
| Cost of funding earning assets | 1.3197% | 1,189 |
| Net interest margin | 3.4992% | 2,367 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 3.1552% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9739% | 2,612 |
| Return on assets (ROA) | 0.9765% | 2,573 |
| Pretax return on assets | 1.0173% | 2,942 |
| Return on Equity (ROE) | 10.6600% | 2,589 |
| Retained earnings to average equity (ytd only) | 10.6568% | 1,547 |
| Net charge-offs to loans | 0.0023% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 746.0000% | 151 |
| Efficiency ratio | 72.8963% | 1,450 |
| Assets per employee ($millions) | 6.8891% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,443 |
| Loan loss allowance to noncurrent loans | 1,302.4096% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,215 |
| Noncurrent loans to loans | 0.0937% | 3,081 |
| Net loans and leases to total assets | 60.4600% | 2,598 |
| Net loans and leases to deposits | 67.1173% | 2,842 |
| Net loans and leases to core deposits | 70.4173% | 2,927 |
| Total domestic deposits to total assets | 90.0700% | 1,134 |
| Equity capital to assets | 9.6166% | 2,052 |
| Core capital (leverage) ratio | 11.6020% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7151% | 1,437 |
| Memoranda: | ||
| Average total assets | $294,118,500 | 2,495 |
| Average earning assets | $273,091,000 | 2,489 |
| Average equity | $26,950,000 | 2,440 |
| Average total loans | $176,299,000 | 2,499 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 1,244 |
| Cost of funding earning assets | 0.4767% | 1,544 |
| Net interest margin | 3.7243% | 1,325 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.7489% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5682% | 746 |
| Return on assets (ROA) | 1.2326% | 1,602 |
| Pretax return on assets | 1.2726% | 2,193 |
| Return on Equity (ROE) | 13.8900% | 1,559 |
| Retained earnings to average equity (ytd only) | 13.8914% | 402 |
| Net charge-offs to loans | 0.0328% | 1,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 83.8103% | 1,068 |
| Efficiency ratio | 60.7761% | 2,945 |
| Assets per employee ($millions) | 7.1165% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,240 |
| Loan loss allowance to noncurrent loans | 1,286.9048% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,246 |
| Noncurrent loans to loans | 0.0957% | 3,079 |
| Net loans and leases to total assets | 58.0000% | 2,823 |
| Net loans and leases to deposits | 63.9396% | 3,050 |
| Net loans and leases to core deposits | 65.6260% | 3,159 |
| Total domestic deposits to total assets | 90.7100% | 1,054 |
| Equity capital to assets | 8.7239% | 2,549 |
| Core capital (leverage) ratio | 11.7433% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0433% | 1,361 |
| Memoranda: | ||
| Average total assets | $300,338,000 | 2,450 |
| Average earning assets | $282,334,400 | 2,434 |
| Average equity | $26,649,600 | 2,499 |
| Average total loans | $176,922,200 | 2,398 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 1,144 |
| Cost of funding earning assets | 0.3450% | 1,748 |
| Net interest margin | 3.7157% | 1,098 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.6316% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6166% | 632 |
| Return on assets (ROA) | 1.6166% | 613 |
| Pretax return on assets | 1.6534% | 993 |
| Return on Equity (ROE) | 18.1400% | 627 |
| Retained earnings to average equity (ytd only) | 18.1434% | 157 |
| Net charge-offs to loans | -0.0023% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4371% | 3,193 |
| Assets per employee ($millions) | 7.0569% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,111 |
| Loan loss allowance to noncurrent loans | 55,600.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,022 |
| Noncurrent loans to loans | 0.0023% | 3,957 |
| Net loans and leases to total assets | 57.7200% | 2,729 |
| Net loans and leases to deposits | 62.9080% | 2,955 |
| Net loans and leases to core deposits | 64.1964% | 3,096 |
| Total domestic deposits to total assets | 91.7600% | 954 |
| Equity capital to assets | 7.7796% | 3,033 |
| Core capital (leverage) ratio | 11.4091% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9781% | 1,436 |
| Memoranda: | ||
| Average total assets | $300,699,250 | 2,467 |
| Average earning assets | $284,046,500 | 2,437 |
| Average equity | $26,793,250 | 2,527 |
| Average total loans | $177,274,500 | 2,398 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 1,003 |
| Cost of funding earning assets | 0.2753% | 1,954 |
| Net interest margin | 3.6866% | 930 |
| Noninterest income to average assets | 0.7626% | 1,146 |
| Noninterest expense to average assets | 2.5611% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6569% | 478 |
| Return on assets (ROA) | 1.6569% | 472 |
| Pretax return on assets | 1.6939% | 764 |
| Return on Equity (ROE) | 17.8541% | 488 |
| Retained earnings to average equity (ytd only) | 17.8541% | 121 |
| Net charge-offs to loans | -0.0022% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8830% | 3,449 |
| Assets per employee ($millions) | 7.1904% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.7103% | 2,358 |
| Net loans and leases to deposits | 66.2768% | 2,519 |
| Net loans and leases to core deposits | 67.6318% | 2,688 |
| Total domestic deposits to total assets | 90.0922% | 1,673 |
| Equity capital to assets | 7.8611% | 3,231 |
| Core capital (leverage) ratio | 10.6592% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0290% | 1,697 |
| Memoranda: | ||
| Average total assets | $302,135,333 | 2,471 |
| Average earning assets | $286,225,000 | 2,453 |
| Average equity | $28,038,333 | 2,525 |
| Average total loans | $178,597,333 | 2,389 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 1,111 |
| Cost of funding earning assets | 0.2285% | 2,418 |
| Net interest margin | 3.5552% | 974 |
| Noninterest income to average assets | 0.8696% | 892 |
| Noninterest expense to average assets | 2.5506% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6598% | 446 |
| Return on assets (ROA) | 1.6598% | 447 |
| Pretax return on assets | 1.6969% | 690 |
| Return on Equity (ROE) | 16.6161% | 462 |
| Retained earnings to average equity (ytd only) | 16.6161% | 200 |
| Net charge-offs to loans | -0.0023% | 3,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1150% | 3,570 |
| Assets per employee ($millions) | 7.8924% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.4640% | 2,124 |
| Net loans and leases to deposits | 67.9043% | 2,165 |
| Net loans and leases to core deposits | 69.4100% | 2,340 |
| Total domestic deposits to total assets | 87.5703% | 2,716 |
| Equity capital to assets | 8.8511% | 2,838 |
| Core capital (leverage) ratio | 10.3733% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3535% | 2,054 |
| Memoranda: | ||
| Average total assets | $302,205,500 | 2,486 |
| Average earning assets | $287,128,500 | 2,463 |
| Average equity | $30,187,500 | 2,477 |
| Average total loans | $176,623,500 | 2,403 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 765 |
| Cost of funding earning assets | 0.2685% | 2,717 |
| Net interest margin | 4.0938% | 605 |
| Noninterest income to average assets | 0.7383% | 1,625 |
| Noninterest expense to average assets | 2.8703% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7032% | 625 |
| Return on assets (ROA) | 1.7039% | 651 |
| Pretax return on assets | 1.7434% | 1,035 |
| Return on Equity (ROE) | 14.6241% | 1,042 |
| Retained earnings to average equity (ytd only) | 5.5370% | 2,547 |
| Net charge-offs to loans | -0.0104% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5922% | 3,064 |
| Assets per employee ($millions) | 7.6053% | 1,554 |
| Cash dividends to net income (ytd only)* | 62.1375% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,161 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.8893% | 2,631 |
| Net loans and leases to deposits | 64.4183% | 2,651 |
| Net loans and leases to core deposits | 65.9138% | 2,829 |
| Total domestic deposits to total assets | 86.7600% | 2,591 |
| Equity capital to assets | 11.1700% | 1,688 |
| Core capital (leverage) ratio | 10.2710% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1813% | 1,786 |
| Memoranda: | ||
| Average total assets | $283,354,000 | 2,516 |
| Average earning assets | $268,189,200 | 2,499 |
| Average equity | $33,014,000 | 2,384 |
| Average total loans | $154,277,800 | 2,596 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 538 |
| Cost of funding earning assets | 0.2743% | 2,852 |
| Net interest margin | 4.3581% | 397 |
| Noninterest income to average assets | 0.7908% | 1,553 |
| Noninterest expense to average assets | 2.9476% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9273% | 529 |
| Return on assets (ROA) | 1.9282% | 550 |
| Pretax return on assets | 1.9673% | 844 |
| Return on Equity (ROE) | 16.3708% | 874 |
| Retained earnings to average equity (ytd only) | 9.0949% | 1,662 |
| Net charge-offs to loans | -0.0115% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2792% | 3,221 |
| Assets per employee ($millions) | 7.1432% | 1,777 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,784 |
| Loan loss allowance to noncurrent loans | 221,900.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,307 |
| Noncurrent loans to loans | 0.0007% | 4,232 |
| Net loans and leases to total assets | 51.2161% | 3,282 |
| Net loans and leases to deposits | 59.3746% | 3,285 |
| Net loans and leases to core deposits | 60.7737% | 3,419 |
| Total domestic deposits to total assets | 86.2592% | 2,647 |
| Equity capital to assets | 11.4876% | 1,691 |
| Core capital (leverage) ratio | 10.8655% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0123% | 1,610 |
| Memoranda: | ||
| Average total assets | $280,040,500 | 2,558 |
| Average earning assets | $264,939,000 | 2,540 |
| Average equity | $32,984,750 | 2,416 |
| Average total loans | $150,849,000 | 2,662 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 275 |
| Cost of funding earning assets | 0.2795% | 2,986 |
| Net interest margin | 4.8666% | 202 |
| Noninterest income to average assets | 0.8181% | 1,485 |
| Noninterest expense to average assets | 3.1041% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2764% | 295 |
| Return on assets (ROA) | 2.3049% | 297 |
| Pretax return on assets | 2.3404% | 451 |
| Return on Equity (ROE) | 19.3987% | 506 |
| Retained earnings to average equity (ytd only) | 13.2947% | 669 |
| Net charge-offs to loans | -0.0160% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4975% | 3,603 |
| Assets per employee ($millions) | 6.6922% | 2,025 |
| Cash dividends to net income (ytd only)* | 31.4663% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,793 |
| Loan loss allowance to noncurrent loans | 221,800.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,622 |
| Noncurrent loans to loans | 0.0007% | 4,276 |
| Net loans and leases to total assets | 53.8560% | 3,149 |
| Net loans and leases to deposits | 62.8343% | 3,121 |
| Net loans and leases to core deposits | 64.6707% | 3,225 |
| Total domestic deposits to total assets | 85.7111% | 2,834 |
| Equity capital to assets | 12.0311% | 1,344 |
| Core capital (leverage) ratio | 10.8287% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9999% | 1,336 |
| Memoranda: | ||
| Average total assets | $275,763,000 | 2,574 |
| Average earning assets | $260,510,000 | 2,554 |
| Average equity | $32,765,000 | 2,417 |
| Average total loans | $150,393,000 | 2,684 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 189 |
| Cost of funding earning assets | 0.2842% | 3,153 |
| Net interest margin | 5.2573% | 141 |
| Noninterest income to average assets | 0.8949% | 1,340 |
| Noninterest expense to average assets | 3.2456% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5704% | 237 |
| Return on assets (ROA) | 2.5704% | 259 |
| Pretax return on assets | 2.6070% | 373 |
| Return on Equity (ROE) | 21.7745% | 413 |
| Retained earnings to average equity (ytd only) | 15.5710% | 561 |
| Net charge-offs to loans | -0.0296% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9530% | 3,918 |
| Assets per employee ($millions) | 6.8704% | 1,877 |
| Cash dividends to net income (ytd only)* | 28.4900% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,876 |
| Loan loss allowance to noncurrent loans | 221,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,419 |
| Noncurrent loans to loans | 0.0006% | 4,338 |
| Net loans and leases to total assets | 54.6170% | 3,178 |
| Net loans and leases to deposits | 63.1516% | 3,205 |
| Net loans and leases to core deposits | 65.0776% | 3,313 |
| Total domestic deposits to total assets | 86.4856% | 2,531 |
| Equity capital to assets | 11.2612% | 1,677 |
| Core capital (leverage) ratio | 10.9284% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1289% | 1,264 |
| Memoranda: | ||
| Average total assets | $273,108,500 | 2,581 |
| Average earning assets | $257,547,500 | 2,559 |
| Average equity | $32,239,500 | 2,431 |
| Average total loans | $148,793,500 | 2,706 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 1,118 |
| Cost of funding earning assets | 0.4768% | 3,106 |
| Net interest margin | 4.1094% | 767 |
| Noninterest income to average assets | 0.9987% | 1,040 |
| Noninterest expense to average assets | 3.0364% | 1,359 |
| Loan and lease loss provision to assets | 0.1843% | 2,111 |
| Net operating income to assets | 1.6033% | 633 |
| Return on assets (ROA) | 1.9725% | 300 |
| Pretax return on assets | 2.0122% | 444 |
| Return on Equity (ROE) | 15.4880% | 566 |
| Retained earnings to average equity (ytd only) | 5.8422% | 1,876 |
| Net charge-offs to loans | 0.2847% | 601 |
| Credit loss provision to net charge-offs | 103.9261% | 2,778 |
| Earnings coverage of net charge-offs (x) | 10.2633% | 2,474 |
| Efficiency ratio | 61.8518% | 3,166 |
| Assets per employee ($millions) | 6.4520% | 1,950 |
| Cash dividends to net income (ytd only)* | 62.2794% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,403 |
| Loan loss allowance to noncurrent loans | 256.0976% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 2,692 |
| Noncurrent loans to loans | 0.6084% | 2,179 |
| Net loans and leases to total assets | 52.6662% | 3,615 |
| Net loans and leases to deposits | 61.7335% | 3,623 |
| Net loans and leases to core deposits | 64.0951% | 3,684 |
| Total domestic deposits to total assets | 85.3122% | 2,648 |
| Equity capital to assets | 12.3834% | 1,373 |
| Core capital (leverage) ratio | 10.9648% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4516% | 1,414 |
| Memoranda: | ||
| Average total assets | $244,206,600 | 2,621 |
| Average earning assets | $229,230,000 | 2,604 |
| Average equity | $31,101,400 | 2,426 |
| Average total loans | $152,083,000 | 2,647 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 740 |
| Cost of funding earning assets | 0.5306% | 3,045 |
| Net interest margin | 4.3616% | 509 |
| Noninterest income to average assets | 0.9852% | 1,047 |
| Noninterest expense to average assets | 3.0722% | 1,284 |
| Loan and lease loss provision to assets | 0.2091% | 1,922 |
| Net operating income to assets | 1.7716% | 485 |
| Return on assets (ROA) | 2.2743% | 194 |
| Pretax return on assets | 2.3145% | 272 |
| Return on Equity (ROE) | 17.7224% | 384 |
| Retained earnings to average equity (ytd only) | 15.5500% | 177 |
| Net charge-offs to loans | 0.3688% | 427 |
| Credit loss provision to net charge-offs | 87.6168% | 2,711 |
| Earnings coverage of net charge-offs (x) | 8.4252% | 2,496 |
| Efficiency ratio | 59.8508% | 3,409 |
| Assets per employee ($millions) | 6.5663% | 1,774 |
| Cash dividends to net income (ytd only)* | 12.2579% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,791 |
| Loan loss allowance to noncurrent loans | 332.7103% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,178 |
| Noncurrent loans to loans | 0.4170% | 2,809 |
| Net loans and leases to total assets | 59.2864% | 3,293 |
| Net loans and leases to deposits | 71.3350% | 3,193 |
| Net loans and leases to core deposits | 74.3254% | 3,298 |
| Total domestic deposits to total assets | 83.1098% | 3,117 |
| Equity capital to assets | 13.1629% | 1,118 |
| Core capital (leverage) ratio | 12.1062% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3428% | 1,000 |
| Memoranda: | ||
| Average total assets | $239,125,250 | 2,635 |
| Average earning assets | $224,652,000 | 2,614 |
| Average equity | $30,687,250 | 2,434 |
| Average total loans | $154,722,750 | 2,625 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 514 |
| Cost of funding earning assets | 0.6039% | 2,940 |
| Net interest margin | 4.6530% | 373 |
| Noninterest income to average assets | 0.8661% | 1,246 |
| Noninterest expense to average assets | 3.0830% | 1,391 |
| Loan and lease loss provision to assets | 0.2570% | 1,647 |
| Net operating income to assets | 1.8635% | 437 |
| Return on assets (ROA) | 2.6359% | 123 |
| Pretax return on assets | 2.6770% | 161 |
| Return on Equity (ROE) | 20.7343% | 212 |
| Retained earnings to average equity (ytd only) | 17.3650% | 131 |
| Net charge-offs to loans | 0.5498% | 288 |
| Credit loss provision to net charge-offs | 70.4225% | 2,544 |
| Earnings coverage of net charge-offs (x) | 5.8803% | 2,482 |
| Efficiency ratio | 58.4371% | 3,641 |
| Assets per employee ($millions) | 6.4713% | 1,813 |
| Cash dividends to net income (ytd only)* | 16.2496% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,043 |
| Loan loss allowance to noncurrent loans | 213.0031% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 2,762 |
| Noncurrent loans to loans | 0.6064% | 2,333 |
| Net loans and leases to total assets | 62.5009% | 3,070 |
| Net loans and leases to deposits | 74.8116% | 2,992 |
| Net loans and leases to core deposits | 77.9711% | 3,109 |
| Total domestic deposits to total assets | 83.5444% | 2,905 |
| Equity capital to assets | 12.7699% | 1,246 |
| Core capital (leverage) ratio | 11.7990% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4225% | 1,149 |
| Memoranda: | ||
| Average total assets | $233,472,333 | 2,651 |
| Average earning assets | $218,913,000 | 2,637 |
| Average equity | $29,680,333 | 2,486 |
| Average total loans | $154,977,333 | 2,615 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 701 |
| Cost of funding earning assets | 0.7907% | 2,449 |
| Net interest margin | 4.3745% | 656 |
| Noninterest income to average assets | 0.7089% | 1,622 |
| Noninterest expense to average assets | 3.1087% | 1,616 |
| Loan and lease loss provision to assets | 0.1339% | 2,054 |
| Net operating income to assets | 1.5035% | 778 |
| Return on assets (ROA) | 1.5035% | 849 |
| Pretax return on assets | 1.5463% | 1,192 |
| Return on Equity (ROE) | 11.8567% | 1,142 |
| Retained earnings to average equity (ytd only) | 4.8159% | 2,358 |
| Net charge-offs to loans | -0.0236% | 4,392 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3922% | 3,179 |
| Assets per employee ($millions) | 5.9774% | 1,700 |
| Cash dividends to net income (ytd only)* | 59.3824% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,388 |
| Loan loss allowance to noncurrent loans | 37,883.3333% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,637 |
| Noncurrent loans to loans | 0.0039% | 4,564 |
| Net loans and leases to total assets | 66.3467% | 2,775 |
| Net loans and leases to deposits | 78.5981% | 2,825 |
| Net loans and leases to core deposits | 82.2522% | 3,003 |
| Total domestic deposits to total assets | 84.4127% | 2,629 |
| Equity capital to assets | 12.9255% | 1,470 |
| Core capital (leverage) ratio | 12.0954% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5602% | 1,454 |
| Memoranda: | ||
| Average total assets | $224,017,500 | 2,682 |
| Average earning assets | $208,936,500 | 2,675 |
| Average equity | $28,406,000 | 2,546 |
| Average total loans | $152,563,500 | 2,616 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 563 |
| Cost of funding earning assets | 0.9673% | 1,870 |
| Net interest margin | 4.5289% | 683 |
| Noninterest income to average assets | 0.6284% | 2,100 |
| Noninterest expense to average assets | 3.2028% | 1,511 |
| Loan and lease loss provision to assets | 0.2541% | 712 |
| Net operating income to assets | 1.3330% | 1,569 |
| Return on assets (ROA) | 1.4423% | 1,277 |
| Pretax return on assets | 1.4839% | 1,852 |
| Return on Equity (ROE) | 12.0848% | 1,479 |
| Retained earnings to average equity (ytd only) | 4.4948% | 2,708 |
| Net charge-offs to loans | 0.4502% | 420 |
| Credit loss provision to net charge-offs | 76.3612% | 2,837 |
| Earnings coverage of net charge-offs (x) | 4.8845% | 3,156 |
| Efficiency ratio | 65.3304% | 2,868 |
| Assets per employee ($millions) | 5.6640% | 1,909 |
| Cash dividends to net income (ytd only)* | 62.8064% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,445 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.8897% | 2,693 |
| Net loans and leases to deposits | 77.9100% | 3,019 |
| Net loans and leases to core deposits | 83.7803% | 2,973 |
| Total domestic deposits to total assets | 87.1387% | 1,543 |
| Equity capital to assets | 12.4281% | 1,866 |
| Core capital (leverage) ratio | 12.2356% | 1,637 |
| Tier 1 risk-based capital ratio | 15.1925% | 2,702 |
| Total risk-based capital ratio | 16.4421% | 2,637 |
| Memoranda: | ||
| Average total assets | $226,299,600 | 2,609 |
| Average earning assets | $209,852,800 | 2,604 |
| Average equity | $27,009,200 | 2,565 |
| Average total loans | $167,241,600 | 2,442 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5547% | 531 |
| Cost of funding earning assets | 0.9985% | 1,768 |
| Net interest margin | 4.5562% | 677 |
| Noninterest income to average assets | 0.5658% | 2,380 |
| Noninterest expense to average assets | 3.1217% | 1,665 |
| Loan and lease loss provision to assets | 0.2636% | 594 |
| Net operating income to assets | 1.3750% | 1,549 |
| Return on assets (ROA) | 1.5198% | 1,191 |
| Pretax return on assets | 1.5602% | 1,780 |
| Return on Equity (ROE) | 12.8630% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.6756% | 2,521 |
| Net charge-offs to loans | 0.5746% | 286 |
| Credit loss provision to net charge-offs | 61.0583% | 2,700 |
| Earnings coverage of net charge-offs (x) | 3.8792% | 3,067 |
| Efficiency ratio | 64.6721% | 2,915 |
| Assets per employee ($millions) | 5.6837% | 1,859 |
| Cash dividends to net income (ytd only)* | 55.8769% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 1,769 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,235 |
| Noncurrent loans to loans | 0.0818% | 4,276 |
| Net loans and leases to total assets | 68.5342% | 2,703 |
| Net loans and leases to deposits | 78.8399% | 3,025 |
| Net loans and leases to core deposits | 84.7593% | 3,016 |
| Total domestic deposits to total assets | 86.9284% | 1,555 |
| Equity capital to assets | 12.4536% | 1,950 |
| Core capital (leverage) ratio | 11.6704% | 2,102 |
| Tier 1 risk-based capital ratio | 15.2031% | 2,757 |
| Total risk-based capital ratio | 16.4031% | 2,713 |
| Memoranda: | ||
| Average total assets | $227,650,750 | 2,618 |
| Average earning assets | $211,371,750 | 2,623 |
| Average equity | $26,898,250 | 2,580 |
| Average total loans | $171,013,500 | 2,435 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 557 |
| Cost of funding earning assets | 0.9845% | 1,773 |
| Net interest margin | 4.5281% | 719 |
| Noninterest income to average assets | 0.4999% | 2,682 |
| Noninterest expense to average assets | 3.0725% | 1,808 |
| Loan and lease loss provision to assets | 0.2613% | 579 |
| Net operating income to assets | 1.3304% | 1,654 |
| Return on assets (ROA) | 1.5459% | 1,067 |
| Pretax return on assets | 1.5859% | 1,586 |
| Return on Equity (ROE) | 13.3145% | 1,153 |
| Retained earnings to average equity (ytd only) | 7.8762% | 1,439 |
| Net charge-offs to loans | 0.3045% | 563 |
| Credit loss provision to net charge-offs | 111.5242% | 1,831 |
| Earnings coverage of net charge-offs (x) | 6.9368% | 2,536 |
| Efficiency ratio | 64.9796% | 2,983 |
| Assets per employee ($millions) | 5.7372% | 1,754 |
| Cash dividends to net income (ytd only)* | 40.8451% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,066 |
| Loan loss allowance to noncurrent loans | 80.4632% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 932 |
| Noncurrent loans to loans | 1.6029% | 957 |
| Net loans and leases to total assets | 79.9384% | 890 |
| Net loans and leases to deposits | 91.6205% | 1,533 |
| Net loans and leases to core deposits | 100.9048% | 1,640 |
| Total domestic deposits to total assets | 87.2494% | 1,465 |
| Equity capital to assets | 11.9483% | 2,225 |
| Core capital (leverage) ratio | 11.4818% | 2,184 |
| Tier 1 risk-based capital ratio | 14.6193% | 3,012 |
| Total risk-based capital ratio | 15.8698% | 2,933 |
| Memoranda: | ||
| Average total assets | $229,646,670 | 2,612 |
| Average earning assets | $212,894,330 | 2,614 |
| Average equity | $26,662,670 | 2,590 |
| Average total loans | $176,686,670 | 2,385 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 575 |
| Cost of funding earning assets | 0.9504% | 1,791 |
| Net interest margin | 4.4933% | 752 |
| Noninterest income to average assets | 0.5763% | 2,157 |
| Noninterest expense to average assets | 3.1150% | 1,703 |
| Loan and lease loss provision to assets | 0.2612% | 545 |
| Net operating income to assets | 1.2989% | 1,697 |
| Return on assets (ROA) | 1.2989% | 1,738 |
| Pretax return on assets | 1.3407% | 2,286 |
| Return on Equity (ROE) | 11.3529% | 1,807 |
| Retained earnings to average equity (ytd only) | 3.7437% | 3,425 |
| Net charge-offs to loans | -0.0070% | 4,110 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6331% | 2,992 |
| Assets per employee ($millions) | 5.7890% | 1,711 |
| Cash dividends to net income (ytd only)* | 67.0241% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,555 |
| Loan loss allowance to noncurrent loans | 1,271.7172% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,356 |
| Noncurrent loans to loans | 0.1127% | 4,232 |
| Net loans and leases to total assets | 74.7572% | 1,680 |
| Net loans and leases to deposits | 85.3884% | 2,201 |
| Net loans and leases to core deposits | 94.0830% | 2,113 |
| Total domestic deposits to total assets | 87.5496% | 1,548 |
| Equity capital to assets | 11.4783% | 2,418 |
| Core capital (leverage) ratio | 11.2020% | 2,391 |
| Tier 1 risk-based capital ratio | 14.5617% | 3,081 |
| Total risk-based capital ratio | 15.8140% | 2,998 |
| Memoranda: | ||
| Average total assets | $229,726,000 | 2,643 |
| Average earning assets | $211,695,000 | 2,653 |
| Average equity | $26,284,000 | 2,621 |
| Average total loans | $172,107,000 | 2,457 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 603 |
| Cost of funding earning assets | 0.7113% | 2,018 |
| Net interest margin | 4.5683% | 658 |
| Noninterest income to average assets | 0.7553% | 1,621 |
| Noninterest expense to average assets | 2.8956% | 2,366 |
| Loan and lease loss provision to assets | 0.2688% | 626 |
| Net operating income to assets | 1.7790% | 582 |
| Return on assets (ROA) | 1.7430% | 623 |
| Pretax return on assets | 1.7833% | 964 |
| Return on Equity (ROE) | 15.3933% | 744 |
| Retained earnings to average equity (ytd only) | 5.7008% | 2,360 |
| Net charge-offs to loans | 0.1336% | 1,415 |
| Credit loss provision to net charge-offs | 264.3172% | 1,133 |
| Earnings coverage of net charge-offs (x) | 20.5419% | 1,995 |
| Efficiency ratio | 57.6885% | 4,195 |
| Assets per employee ($millions) | 5.8434% | 1,635 |
| Cash dividends to net income (ytd only)* | 62.9658% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,621 |
| Loan loss allowance to noncurrent loans | 405.1370% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,533 |
| Noncurrent loans to loans | 0.3464% | 3,302 |
| Net loans and leases to total assets | 72.9391% | 2,111 |
| Net loans and leases to deposits | 83.2710% | 2,597 |
| Net loans and leases to core deposits | 90.6959% | 2,513 |
| Total domestic deposits to total assets | 87.5924% | 1,489 |
| Equity capital to assets | 11.4040% | 2,325 |
| Core capital (leverage) ratio | 11.7578% | 1,909 |
| Tier 1 risk-based capital ratio | 14.8464% | 2,909 |
| Total risk-based capital ratio | 16.0979% | 2,835 |
| Memoranda: | ||
| Average total assets | $223,235,200 | 2,668 |
| Average earning assets | $206,665,000 | 2,663 |
| Average equity | $25,277,200 | 2,625 |
| Average total loans | $169,960,800 | 2,439 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 556 |
| Cost of funding earning assets | 0.6737% | 2,009 |
| Net interest margin | 4.5884% | 615 |
| Noninterest income to average assets | 0.7817% | 1,535 |
| Noninterest expense to average assets | 2.8309% | 2,527 |
| Loan and lease loss provision to assets | 0.2702% | 564 |
| Net operating income to assets | 1.9051% | 479 |
| Return on assets (ROA) | 1.9051% | 478 |
| Pretax return on assets | 1.9459% | 734 |
| Return on Equity (ROE) | 16.8553% | 560 |
| Retained earnings to average equity (ytd only) | 10.7464% | 710 |
| Net charge-offs to loans | 0.1722% | 964 |
| Credit loss provision to net charge-offs | 204.5455% | 1,352 |
| Earnings coverage of net charge-offs (x) | 16.7770% | 2,145 |
| Efficiency ratio | 55.6983% | 4,419 |
| Assets per employee ($millions) | 5.3881% | 2,028 |
| Cash dividends to net income (ytd only)* | 36.2434% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,034 |
| Loan loss allowance to noncurrent loans | 94.1949% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1015% | 1,305 |
| Noncurrent loans to loans | 1.3957% | 1,192 |
| Net loans and leases to total assets | 77.4260% | 1,427 |
| Net loans and leases to deposits | 92.8102% | 1,520 |
| Net loans and leases to core deposits | 95.6467% | 2,149 |
| Total domestic deposits to total assets | 83.4240% | 3,156 |
| Equity capital to assets | 12.1222% | 1,824 |
| Core capital (leverage) ratio | 11.9663% | 1,804 |
| Tier 1 risk-based capital ratio | 15.2879% | 2,746 |
| Total risk-based capital ratio | 16.5386% | 2,671 |
| Memoranda: | ||
| Average total assets | $222,070,750 | 2,695 |
| Average earning assets | $206,429,500 | 2,681 |
| Average equity | $25,099,250 | 2,653 |
| Average total loans | $170,303,750 | 2,453 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 631 |
| Cost of funding earning assets | 0.6212% | 2,097 |
| Net interest margin | 4.5038% | 697 |
| Noninterest income to average assets | 0.8044% | 1,464 |
| Noninterest expense to average assets | 2.8619% | 2,459 |
| Loan and lease loss provision to assets | 0.2676% | 568 |
| Net operating income to assets | 1.8310% | 547 |
| Return on assets (ROA) | 1.8310% | 547 |
| Pretax return on assets | 1.8711% | 835 |
| Return on Equity (ROE) | 16.5852% | 577 |
| Retained earnings to average equity (ytd only) | 8.5067% | 1,406 |
| Net charge-offs to loans | 0.2472% | 644 |
| Credit loss provision to net charge-offs | 142.1801% | 1,629 |
| Earnings coverage of net charge-offs (x) | 11.3649% | 2,278 |
| Efficiency ratio | 56.8218% | 4,383 |
| Assets per employee ($millions) | 5.6201% | 1,783 |
| Cash dividends to net income (ytd only)* | 48.7092% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,694 |
| Loan loss allowance to noncurrent loans | 258.9552% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 3,252 |
| Noncurrent loans to loans | 0.4644% | 3,042 |
| Net loans and leases to total assets | 78.0431% | 1,305 |
| Net loans and leases to deposits | 91.7358% | 1,616 |
| Net loans and leases to core deposits | 97.6665% | 1,912 |
| Total domestic deposits to total assets | 85.0737% | 2,641 |
| Equity capital to assets | 11.5624% | 2,155 |
| Core capital (leverage) ratio | 11.2189% | 2,327 |
| Tier 1 risk-based capital ratio | 14.5491% | 3,095 |
| Total risk-based capital ratio | 15.7761% | 3,022 |
| Memoranda: | ||
| Average total assets | $224,253,670 | 2,689 |
| Average earning assets | $208,934,670 | 2,679 |
| Average equity | $24,757,000 | 2,684 |
| Average total loans | $170,707,330 | 2,453 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 751 |
| Cost of funding earning assets | 0.6023% | 2,045 |
| Net interest margin | 4.3636% | 829 |
| Noninterest income to average assets | 0.6297% | 2,132 |
| Noninterest expense to average assets | 2.7356% | 2,924 |
| Loan and lease loss provision to assets | 0.2646% | 534 |
| Net operating income to assets | 1.6668% | 741 |
| Return on assets (ROA) | 1.6668% | 744 |
| Pretax return on assets | 1.6932% | 1,134 |
| Return on Equity (ROE) | 15.4513% | 719 |
| Retained earnings to average equity (ytd only) | -0.8993% | 4,904 |
| Net charge-offs to loans | -0.0024% | 3,829 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8730% | 4,355 |
| Assets per employee ($millions) | 5.8652% | 1,641 |
| Cash dividends to net income (ytd only)* | 105.8201% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,574 |
| Loan loss allowance to noncurrent loans | 239.0190% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 3,205 |
| Noncurrent loans to loans | 0.5190% | 2,961 |
| Net loans and leases to total assets | 74.6152% | 1,770 |
| Net loans and leases to deposits | 84.3416% | 2,355 |
| Net loans and leases to core deposits | 91.4928% | 2,335 |
| Total domestic deposits to total assets | 88.4678% | 1,370 |
| Equity capital to assets | 10.5905% | 2,980 |
| Core capital (leverage) ratio | 10.6148% | 2,833 |
| Tier 1 risk-based capital ratio | 13.8017% | 3,496 |
| Total risk-based capital ratio | 15.0514% | 3,403 |
| Memoranda: | ||
| Average total assets | $226,788,500 | 2,689 |
| Average earning assets | $211,203,000 | 2,678 |
| Average equity | $24,464,000 | 2,724 |
| Average total loans | $169,491,000 | 2,479 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 807 |
| Cost of funding earning assets | 0.4235% | 3,016 |
| Net interest margin | 4.4718% | 662 |
| Noninterest income to average assets | 0.7560% | 1,752 |
| Noninterest expense to average assets | 3.0541% | 1,996 |
| Loan and lease loss provision to assets | 0.2471% | 765 |
| Net operating income to assets | 1.5830% | 675 |
| Return on assets (ROA) | 1.5647% | 710 |
| Pretax return on assets | 1.6061% | 1,269 |
| Return on Equity (ROE) | 13.7931% | 789 |
| Retained earnings to average equity (ytd only) | 6.5314% | 1,266 |
| Net charge-offs to loans | 0.4527% | 529 |
| Credit loss provision to net charge-offs | 73.7360% | 3,036 |
| Earnings coverage of net charge-offs (x) | 5.5857% | 3,303 |
| Efficiency ratio | 61.5289% | 4,012 |
| Assets per employee ($millions) | 5.9167% | 1,578 |
| Cash dividends to net income (ytd only)* | 52.6474% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,775 |
| Loan loss allowance to noncurrent loans | 1,347.2973% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,617 |
| Noncurrent loans to loans | 0.0891% | 4,601 |
| Net loans and leases to total assets | 73.0170% | 2,093 |
| Net loans and leases to deposits | 82.8963% | 2,620 |
| Net loans and leases to core deposits | 85.2909% | 2,961 |
| Total domestic deposits to total assets | 88.0823% | 1,457 |
| Equity capital to assets | 10.9872% | 2,640 |
| Core capital (leverage) ratio | 10.5898% | 2,746 |
| Tier 1 risk-based capital ratio | 14.6486% | 3,010 |
| Total risk-based capital ratio | 15.8844% | 2,946 |
| Memoranda: | ||
| Average total assets | $212,433,600 | 2,796 |
| Average earning assets | $198,108,600 | 2,787 |
| Average equity | $24,099,000 | 2,742 |
| Average total loans | $157,264,000 | 2,578 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 779 |
| Cost of funding earning assets | 0.3985% | 3,209 |
| Net interest margin | 4.4877% | 616 |
| Noninterest income to average assets | 0.8223% | 1,510 |
| Noninterest expense to average assets | 3.0229% | 2,054 |
| Loan and lease loss provision to assets | 0.2388% | 744 |
| Net operating income to assets | 1.7126% | 565 |
| Return on assets (ROA) | 1.6879% | 607 |
| Pretax return on assets | 1.7312% | 1,043 |
| Return on Equity (ROE) | 14.7538% | 687 |
| Retained earnings to average equity (ytd only) | 10.5782% | 473 |
| Net charge-offs to loans | 0.5874% | 334 |
| Credit loss provision to net charge-offs | 54.9048% | 2,858 |
| Earnings coverage of net charge-offs (x) | 4.5871% | 3,208 |
| Efficiency ratio | 59.7538% | 4,258 |
| Assets per employee ($millions) | 5.8615% | 1,602 |
| Cash dividends to net income (ytd only)* | 28.3020% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,297 |
| Loan loss allowance to noncurrent loans | 85.6816% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 1,612 |
| Noncurrent loans to loans | 1.3215% | 1,443 |
| Net loans and leases to total assets | 73.4271% | 2,018 |
| Net loans and leases to deposits | 83.8099% | 2,578 |
| Net loans and leases to core deposits | 86.7239% | 2,900 |
| Total domestic deposits to total assets | 87.6115% | 1,573 |
| Equity capital to assets | 11.3061% | 2,569 |
| Core capital (leverage) ratio | 10.9713% | 2,484 |
| Tier 1 risk-based capital ratio | 14.7230% | 3,049 |
| Total risk-based capital ratio | 15.8793% | 3,031 |
| Memoranda: | ||
| Average total assets | $209,333,500 | 2,851 |
| Average earning assets | $195,730,750 | 2,834 |
| Average equity | $23,948,000 | 2,786 |
| Average total loans | $155,039,750 | 2,615 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 778 |
| Cost of funding earning assets | 0.3568% | 3,510 |
| Net interest margin | 4.4899% | 575 |
| Noninterest income to average assets | 0.8542% | 1,409 |
| Noninterest expense to average assets | 3.0449% | 1,991 |
| Loan and lease loss provision to assets | 0.2197% | 806 |
| Net operating income to assets | 1.7463% | 510 |
| Return on assets (ROA) | 1.7084% | 561 |
| Pretax return on assets | 1.7524% | 942 |
| Return on Equity (ROE) | 14.8706% | 682 |
| Retained earnings to average equity (ytd only) | 10.6219% | 490 |
| Net charge-offs to loans | 0.7903% | 250 |
| Credit loss provision to net charge-offs | 37.5626% | 2,663 |
| Earnings coverage of net charge-offs (x) | 3.4391% | 3,050 |
| Efficiency ratio | 59.6833% | 4,363 |
| Assets per employee ($millions) | 5.1604% | 2,201 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,437 |
| Loan loss allowance to noncurrent loans | 196.3043% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 3,300 |
| Noncurrent loans to loans | 0.5737% | 3,004 |
| Net loans and leases to total assets | 76.8108% | 1,414 |
| Net loans and leases to deposits | 89.3808% | 1,821 |
| Net loans and leases to core deposits | 92.8061% | 2,269 |
| Total domestic deposits to total assets | 85.9366% | 2,397 |
| Equity capital to assets | 11.9042% | 1,997 |
| Core capital (leverage) ratio | 11.2440% | 2,187 |
| Tier 1 risk-based capital ratio | 14.9898% | 2,929 |
| Total risk-based capital ratio | 16.1567% | 2,901 |
| Memoranda: | ||
| Average total assets | $204,865,330 | 2,907 |
| Average earning assets | $191,720,000 | 2,890 |
| Average equity | $23,536,330 | 2,827 |
| Average total loans | $151,578,670 | 2,665 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 944 |
| Cost of funding earning assets | 0.3407% | 3,624 |
| Net interest margin | 4.3563% | 694 |
| Noninterest income to average assets | 0.7154% | 1,891 |
| Noninterest expense to average assets | 3.0281% | 2,084 |
| Loan and lease loss provision to assets | 0.1470% | 1,269 |
| Net operating income to assets | 1.5797% | 708 |
| Return on assets (ROA) | 1.5797% | 725 |
| Pretax return on assets | 1.6248% | 1,171 |
| Return on Equity (ROE) | 14.0061% | 807 |
| Retained earnings to average equity (ytd only) | 7.9241% | 1,492 |
| Net charge-offs to loans | -0.0027% | 4,047 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6378% | 4,050 |
| Assets per employee ($millions) | 5.1612% | 2,228 |
| Cash dividends to net income (ytd only)* | 43.4243% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,783 |
| Loan loss allowance to noncurrent loans | 233.0579% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 3,316 |
| Noncurrent loans to loans | 0.6322% | 2,933 |
| Net loans and leases to total assets | 73.0686% | 1,904 |
| Net loans and leases to deposits | 82.7281% | 2,429 |
| Net loans and leases to core deposits | 85.6658% | 2,749 |
| Total domestic deposits to total assets | 88.3239% | 1,523 |
| Equity capital to assets | 11.3293% | 2,321 |
| Core capital (leverage) ratio | 11.1192% | 2,262 |
| Tier 1 risk-based capital ratio | 15.2590% | 2,850 |
| Total risk-based capital ratio | 16.5122% | 2,786 |
| Memoranda: | ||
| Average total assets | $204,090,500 | 2,947 |
| Average earning assets | $191,356,500 | 2,913 |
| Average equity | $23,018,500 | 2,886 |
| Average total loans | $147,190,500 | 2,730 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 981 |
| Cost of funding earning assets | 0.3517% | 3,500 |
| Net interest margin | 4.3892% | 791 |
| Noninterest income to average assets | 0.5255% | 3,055 |
| Noninterest expense to average assets | 3.0740% | 2,112 |
| Loan and lease loss provision to assets | 0.1517% | 1,649 |
| Net operating income to assets | 1.3504% | 1,095 |
| Return on assets (ROA) | 1.3842% | 1,081 |
| Pretax return on assets | 1.4252% | 1,838 |
| Return on Equity (ROE) | 11.7930% | 1,318 |
| Retained earnings to average equity (ytd only) | 4.8990% | 2,408 |
| Net charge-offs to loans | 0.0183% | 3,696 |
| Credit loss provision to net charge-offs | 1,153.8462% | 341 |
| Earnings coverage of net charge-offs (x) | 117.2692% | 514 |
| Efficiency ratio | 65.6295% | 3,655 |
| Assets per employee ($millions) | 5.0434% | 2,343 |
| Cash dividends to net income (ytd only)* | 58.4582% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,524 |
| Loan loss allowance to noncurrent loans | 3,694.9153% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,218 |
| Noncurrent loans to loans | 0.0418% | 5,083 |
| Net loans and leases to total assets | 68.9507% | 2,630 |
| Net loans and leases to deposits | 77.9792% | 3,108 |
| Net loans and leases to core deposits | 80.6902% | 3,334 |
| Total domestic deposits to total assets | 88.4219% | 1,423 |
| Equity capital to assets | 11.2267% | 2,389 |
| Core capital (leverage) ratio | 10.9278% | 2,410 |
| Tier 1 risk-based capital ratio | 16.1778% | 2,479 |
| Total risk-based capital ratio | 17.4317% | 2,420 |
| Memoranda: | ||
| Average total assets | $197,726,000 | 2,980 |
| Average earning assets | $184,270,800 | 2,965 |
| Average equity | $23,208,600 | 2,871 |
| Average total loans | $142,448,600 | 2,746 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 904 |
| Cost of funding earning assets | 0.3560% | 3,478 |
| Net interest margin | 4.4408% | 718 |
| Noninterest income to average assets | 0.5185% | 3,128 |
| Noninterest expense to average assets | 3.1570% | 1,881 |
| Loan and lease loss provision to assets | 0.1525% | 1,533 |
| Net operating income to assets | 1.3192% | 1,235 |
| Return on assets (ROA) | 1.3650% | 1,208 |
| Pretax return on assets | 1.3989% | 2,040 |
| Return on Equity (ROE) | 11.5007% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.5007% | 358 |
| Net charge-offs to loans | 0.0243% | 3,184 |
| Credit loss provision to net charge-offs | 865.3846% | 463 |
| Earnings coverage of net charge-offs (x) | 85.3744% | 733 |
| Efficiency ratio | 66.7054% | 3,470 |
| Assets per employee ($millions) | 4.9561% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,784 |
| Loan loss allowance to noncurrent loans | 3,510.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 5,320 |
| Noncurrent loans to loans | 0.0426% | 5,192 |
| Net loans and leases to total assets | 70.0415% | 2,481 |
| Net loans and leases to deposits | 80.4101% | 2,915 |
| Net loans and leases to core deposits | 84.2585% | 3,098 |
| Total domestic deposits to total assets | 87.1053% | 1,852 |
| Equity capital to assets | 12.3499% | 1,867 |
| Core capital (leverage) ratio | 11.6452% | 1,927 |
| Tier 1 risk-based capital ratio | 15.9306% | 2,657 |
| Total risk-based capital ratio | 17.1832% | 2,592 |
| Memoranda: | ||
| Average total assets | $196,724,000 | 3,003 |
| Average earning assets | $183,536,000 | 2,990 |
| Average equity | $23,348,750 | 2,878 |
| Average total loans | $142,741,500 | 2,743 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 921 |
| Cost of funding earning assets | 0.3608% | 3,442 |
| Net interest margin | 4.4188% | 733 |
| Noninterest income to average assets | 0.5361% | 2,976 |
| Noninterest expense to average assets | 3.1027% | 2,055 |
| Loan and lease loss provision to assets | 0.1529% | 1,496 |
| Net operating income to assets | 1.3672% | 1,124 |
| Return on assets (ROA) | 1.4362% | 1,043 |
| Pretax return on assets | 1.4708% | 1,771 |
| Return on Equity (ROE) | 12.2678% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.2678% | 290 |
| Net charge-offs to loans | 0.0028% | 3,607 |
| Credit loss provision to net charge-offs | 7,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 762.0000% | 72 |
| Efficiency ratio | 65.6086% | 3,743 |
| Assets per employee ($millions) | 4.8663% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 2,339 |
| Loan loss allowance to noncurrent loans | 48.8002% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 747 |
| Noncurrent loans to loans | 2.8493% | 541 |
| Net loans and leases to total assets | 73.0098% | 2,013 |
| Net loans and leases to deposits | 83.4945% | 2,529 |
| Net loans and leases to core deposits | 89.0059% | 2,640 |
| Total domestic deposits to total assets | 87.4427% | 1,693 |
| Equity capital to assets | 12.0737% | 2,081 |
| Core capital (leverage) ratio | 11.2874% | 2,158 |
| Tier 1 risk-based capital ratio | 14.5749% | 3,275 |
| Total risk-based capital ratio | 15.8259% | 3,208 |
| Memoranda: | ||
| Average total assets | $196,217,330 | 3,027 |
| Average earning assets | $182,943,670 | 3,009 |
| Average equity | $22,970,670 | 2,926 |
| Average total loans | $143,335,670 | 2,730 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,077 |
| Cost of funding earning assets | 0.3581% | 3,521 |
| Net interest margin | 4.3279% | 874 |
| Noninterest income to average assets | 0.5489% | 2,812 |
| Noninterest expense to average assets | 3.0755% | 2,162 |
| Loan and lease loss provision to assets | 0.1542% | 1,366 |
| Net operating income to assets | 1.3124% | 1,227 |
| Return on assets (ROA) | 1.4514% | 983 |
| Pretax return on assets | 1.4864% | 1,635 |
| Return on Equity (ROE) | 12.6007% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.6007% | 428 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1124% | 3,782 |
| Assets per employee ($millions) | 4.6989% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 2,535 |
| Loan loss allowance to noncurrent loans | 235.9524% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 3,758 |
| Noncurrent loans to loans | 0.5832% | 3,442 |
| Net loans and leases to total assets | 73.7372% | 1,769 |
| Net loans and leases to deposits | 84.0659% | 2,296 |
| Net loans and leases to core deposits | 89.8123% | 2,394 |
| Total domestic deposits to total assets | 87.7137% | 1,798 |
| Equity capital to assets | 11.8534% | 2,117 |
| Core capital (leverage) ratio | 11.1147% | 2,297 |
| Tier 1 risk-based capital ratio | 14.5757% | 3,353 |
| Total risk-based capital ratio | 15.8265% | 3,292 |
| Memoranda: | ||
| Average total assets | $194,567,500 | 3,050 |
| Average earning assets | $180,964,000 | 3,037 |
| Average equity | $22,411,500 | 2,977 |
| Average total loans | $141,143,000 | 2,760 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,193 |
| Cost of funding earning assets | 0.3674% | 3,509 |
| Net interest margin | 4.2935% | 972 |
| Noninterest income to average assets | 0.6348% | 2,537 |
| Noninterest expense to average assets | 3.1869% | 1,998 |
| Loan and lease loss provision to assets | 0.1602% | 1,445 |
| Net operating income to assets | 1.2329% | 1,442 |
| Return on assets (ROA) | 1.2194% | 1,548 |
| Pretax return on assets | 1.2606% | 2,432 |
| Return on Equity (ROE) | 10.4841% | 1,810 |
| Retained earnings to average equity (ytd only) | 4.5168% | 2,769 |
| Net charge-offs to loans | 0.0699% | 2,848 |
| Credit loss provision to net charge-offs | 322.5806% | 926 |
| Earnings coverage of net charge-offs (x) | 28.8925% | 1,490 |
| Efficiency ratio | 67.7680% | 3,608 |
| Assets per employee ($millions) | 5.1706% | 2,155 |
| Cash dividends to net income (ytd only)* | 56.9177% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,518 |
| Loan loss allowance to noncurrent loans | 103.3062% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 2,271 |
| Noncurrent loans to loans | 1.3346% | 1,768 |
| Net loans and leases to total assets | 69.3911% | 2,471 |
| Net loans and leases to deposits | 78.4602% | 2,998 |
| Net loans and leases to core deposits | 83.4181% | 3,009 |
| Total domestic deposits to total assets | 88.4412% | 1,410 |
| Equity capital to assets | 11.1903% | 2,640 |
| Core capital (leverage) ratio | 10.7538% | 2,656 |
| Tier 1 risk-based capital ratio | 14.2795% | 3,560 |
| Total risk-based capital ratio | 15.5302% | 3,479 |
| Memoranda: | ||
| Average total assets | $187,298,200 | 3,087 |
| Average earning assets | $173,915,600 | 3,067 |
| Average equity | $21,785,400 | 2,997 |
| Average total loans | $133,119,800 | 2,843 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 1,192 |
| Cost of funding earning assets | 0.3688% | 3,562 |
| Net interest margin | 4.2871% | 984 |
| Noninterest income to average assets | 0.6277% | 2,593 |
| Noninterest expense to average assets | 3.1509% | 2,081 |
| Loan and lease loss provision to assets | 0.1622% | 1,315 |
| Net operating income to assets | 1.2592% | 1,454 |
| Return on assets (ROA) | 1.2410% | 1,577 |
| Pretax return on assets | 1.2836% | 2,457 |
| Return on Equity (ROE) | 10.5633% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.5633% | 543 |
| Net charge-offs to loans | 0.1284% | 1,848 |
| Credit loss provision to net charge-offs | 177.1654% | 1,486 |
| Earnings coverage of net charge-offs (x) | 15.9999% | 2,146 |
| Efficiency ratio | 67.0675% | 3,695 |
| Assets per employee ($millions) | 4.7341% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 3,119 |
| Loan loss allowance to noncurrent loans | 85.5445% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 2,051 |
| Noncurrent loans to loans | 1.5147% | 1,658 |
| Net loans and leases to total assets | 72.3688% | 2,003 |
| Net loans and leases to deposits | 82.6711% | 2,571 |
| Net loans and leases to core deposits | 88.1801% | 2,646 |
| Total domestic deposits to total assets | 87.5382% | 1,782 |
| Equity capital to assets | 11.9253% | 2,162 |
| Core capital (leverage) ratio | 11.4890% | 2,050 |
| Tier 1 risk-based capital ratio | 14.6375% | 3,479 |
| Total risk-based capital ratio | 15.8720% | 3,417 |
| Memoranda: | ||
| Average total assets | $185,002,250 | 3,138 |
| Average earning assets | $172,076,250 | 3,118 |
| Average equity | $21,735,000 | 3,018 |
| Average total loans | $131,838,000 | 2,876 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 1,130 |
| Cost of funding earning assets | 0.3697% | 3,601 |
| Net interest margin | 4.3014% | 919 |
| Noninterest income to average assets | 0.6178% | 2,638 |
| Noninterest expense to average assets | 3.1218% | 2,184 |
| Loan and lease loss provision to assets | 0.1634% | 1,288 |
| Net operating income to assets | 1.2817% | 1,373 |
| Return on assets (ROA) | 1.2204% | 1,621 |
| Pretax return on assets | 1.2629% | 2,497 |
| Return on Equity (ROE) | 10.4416% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.4416% | 592 |
| Net charge-offs to loans | 0.0386% | 2,910 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 54.6800% | 897 |
| Efficiency ratio | 66.4698% | 3,929 |
| Assets per employee ($millions) | 5.0984% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,935 |
| Loan loss allowance to noncurrent loans | 142.9914% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 3,064 |
| Noncurrent loans to loans | 0.9509% | 2,747 |
| Net loans and leases to total assets | 72.1715% | 1,951 |
| Net loans and leases to deposits | 82.8036% | 2,461 |
| Net loans and leases to core deposits | 88.5319% | 2,504 |
| Total domestic deposits to total assets | 87.1599% | 2,077 |
| Equity capital to assets | 11.8115% | 2,157 |
| Core capital (leverage) ratio | 11.3016% | 2,161 |
| Tier 1 risk-based capital ratio | 14.4236% | 3,683 |
| Total risk-based capital ratio | 15.6735% | 3,603 |
| Memoranda: | ||
| Average total assets | $183,549,000 | 3,182 |
| Average earning assets | $170,410,000 | 3,163 |
| Average equity | $21,452,670 | 3,061 |
| Average total loans | $129,504,670 | 2,923 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 1,560 |
| Cost of funding earning assets | 0.3082% | 4,350 |
| Net interest margin | 4.1593% | 1,146 |
| Noninterest income to average assets | 0.6712% | 2,301 |
| Noninterest expense to average assets | 3.0182% | 2,525 |
| Loan and lease loss provision to assets | 0.1634% | 1,230 |
| Net operating income to assets | 1.2985% | 1,282 |
| Return on assets (ROA) | 1.2901% | 1,392 |
| Pretax return on assets | 1.3337% | 2,136 |
| Return on Equity (ROE) | 11.0968% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.0968% | 702 |
| Net charge-offs to loans | 0.0189% | 2,780 |
| Credit loss provision to net charge-offs | 1,250.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 436 |
| Efficiency ratio | 66.0886% | 4,143 |
| Assets per employee ($millions) | 4.8518% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 3,055 |
| Loan loss allowance to noncurrent loans | 176.6467% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 3,498 |
| Noncurrent loans to loans | 0.7768% | 3,312 |
| Net loans and leases to total assets | 69.0055% | 2,285 |
| Net loans and leases to deposits | 78.5716% | 2,730 |
| Net loans and leases to core deposits | 83.7805% | 2,797 |
| Total domestic deposits to total assets | 87.8249% | 1,916 |
| Equity capital to assets | 11.8090% | 2,187 |
| Core capital (leverage) ratio | 11.1029% | 2,314 |
| Tier 1 risk-based capital ratio | 13.5820% | 4,282 |
| Total risk-based capital ratio | 14.7725% | 4,231 |
| Memoranda: | ||
| Average total assets | $183,552,500 | 3,198 |
| Average earning assets | $170,029,500 | 3,177 |
| Average equity | $21,339,500 | 3,092 |
| Average total loans | $127,111,500 | 2,962 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,522 |
| Cost of funding earning assets | 0.4195% | 3,482 |
| Net interest margin | 4.1936% | 1,320 |
| Noninterest income to average assets | 1.0645% | 1,073 |
| Noninterest expense to average assets | 3.0725% | 2,615 |
| Loan and lease loss provision to assets | 0.2203% | 1,115 |
| Net operating income to assets | 1.6023% | 704 |
| Return on assets (ROA) | 1.7216% | 569 |
| Pretax return on assets | 1.7634% | 859 |
| Return on Equity (ROE) | 15.6942% | 663 |
| Retained earnings to average equity (ytd only) | 9.1675% | 669 |
| Net charge-offs to loans | 0.2525% | 1,696 |
| Credit loss provision to net charge-offs | 128.2051% | 1,863 |
| Earnings coverage of net charge-offs (x) | 10.8365% | 2,579 |
| Efficiency ratio | 61.5960% | 4,970 |
| Assets per employee ($millions) | 4.6856% | 2,749 |
| Cash dividends to net income (ytd only)* | 41.5867% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 3,144 |
| Loan loss allowance to noncurrent loans | 141.4309% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 3,402 |
| Noncurrent loans to loans | 0.9598% | 2,926 |
| Net loans and leases to total assets | 67.5993% | 2,626 |
| Net loans and leases to deposits | 76.6713% | 3,122 |
| Net loans and leases to core deposits | 81.9321% | 3,119 |
| Total domestic deposits to total assets | 88.1677% | 1,675 |
| Equity capital to assets | 11.4410% | 2,480 |
| Core capital (leverage) ratio | 10.7176% | 2,702 |
| Tier 1 risk-based capital ratio | 13.0994% | 4,655 |
| Total risk-based capital ratio | 14.2191% | 4,657 |
| Memoranda: | ||
| Average total assets | $181,579,200 | 3,189 |
| Average earning assets | $167,565,000 | 3,186 |
| Average equity | $19,918,200 | 3,169 |
| Average total loans | $123,547,000 | 2,980 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 1,441 |
| Cost of funding earning assets | 0.4261% | 3,510 |
| Net interest margin | 4.2209% | 1,222 |
| Noninterest income to average assets | 1.2201% | 820 |
| Noninterest expense to average assets | 3.0102% | 2,772 |
| Loan and lease loss provision to assets | 0.2390% | 920 |
| Net operating income to assets | 1.8346% | 482 |
| Return on assets (ROA) | 1.9615% | 382 |
| Pretax return on assets | 2.0048% | 558 |
| Return on Equity (ROE) | 18.0769% | 436 |
| Retained earnings to average equity (ytd only) | 16.0435% | 167 |
| Net charge-offs to loans | 0.1678% | 2,124 |
| Credit loss provision to net charge-offs | 209.6774% | 1,226 |
| Earnings coverage of net charge-offs (x) | 18.5485% | 1,832 |
| Efficiency ratio | 58.0941% | 5,430 |
| Assets per employee ($millions) | 4.6087% | 2,796 |
| Cash dividends to net income (ytd only)* | 11.2486% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 2,677 |
| Loan loss allowance to noncurrent loans | 135.2049% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 3,383 |
| Noncurrent loans to loans | 1.1144% | 2,835 |
| Net loans and leases to total assets | 63.1881% | 3,318 |
| Net loans and leases to deposits | 71.8748% | 3,692 |
| Net loans and leases to core deposits | 78.9356% | 3,448 |
| Total domestic deposits to total assets | 87.9142% | 1,807 |
| Equity capital to assets | 11.5640% | 2,419 |
| Core capital (leverage) ratio | 11.0385% | 2,452 |
| Tier 1 risk-based capital ratio | 14.0262% | 4,194 |
| Total risk-based capital ratio | 15.2765% | 4,133 |
| Memoranda: | ||
| Average total assets | $181,289,750 | 3,221 |
| Average earning assets | $167,700,750 | 3,211 |
| Average equity | $19,671,000 | 3,203 |
| Average total loans | $123,126,500 | 3,006 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,133 |
| Cost of funding earning assets | 0.4420% | 3,420 |
| Net interest margin | 4.3268% | 974 |
| Noninterest income to average assets | 0.6990% | 2,283 |
| Noninterest expense to average assets | 2.9711% | 2,936 |
| Loan and lease loss provision to assets | 0.1664% | 1,474 |
| Net operating income to assets | 1.5059% | 860 |
| Return on assets (ROA) | 1.5543% | 822 |
| Pretax return on assets | 1.5976% | 1,255 |
| Return on Equity (ROE) | 14.6533% | 846 |
| Retained earnings to average equity (ytd only) | 14.6533% | 229 |
| Net charge-offs to loans | 0.1732% | 2,007 |
| Credit loss provision to net charge-offs | 138.8889% | 1,530 |
| Earnings coverage of net charge-offs (x) | 14.3056% | 1,916 |
| Efficiency ratio | 62.7042% | 4,911 |
| Assets per employee ($millions) | 4.3923% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 3,611 |
| Loan loss allowance to noncurrent loans | 107.7524% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 3,245 |
| Noncurrent loans to loans | 1.2486% | 2,729 |
| Net loans and leases to total assets | 67.3488% | 2,524 |
| Net loans and leases to deposits | 76.3803% | 3,007 |
| Net loans and leases to core deposits | 84.6779% | 2,662 |
| Total domestic deposits to total assets | 88.1756% | 1,810 |
| Equity capital to assets | 11.3719% | 2,533 |
| Core capital (leverage) ratio | 10.6414% | 2,774 |
| Tier 1 risk-based capital ratio | 13.3861% | 4,658 |
| Total risk-based capital ratio | 14.5508% | 4,655 |
| Memoranda: | ||
| Average total assets | $180,270,330 | 3,247 |
| Average earning assets | $166,080,330 | 3,246 |
| Average equity | $19,122,000 | 3,269 |
| Average total loans | $124,746,000 | 2,973 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 1,190 |
| Cost of funding earning assets | 0.4020% | 3,946 |
| Net interest margin | 4.3302% | 941 |
| Noninterest income to average assets | 0.6032% | 2,716 |
| Noninterest expense to average assets | 3.0051% | 2,846 |
| Loan and lease loss provision to assets | 0.1663% | 1,454 |
| Net operating income to assets | 1.3556% | 1,084 |
| Return on assets (ROA) | 1.4460% | 935 |
| Pretax return on assets | 1.4903% | 1,457 |
| Return on Equity (ROE) | 14.1405% | 923 |
| Retained earnings to average equity (ytd only) | 14.1405% | 385 |
| Net charge-offs to loans | -0.0096% | 5,031 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0485% | 4,683 |
| Assets per employee ($millions) | 4.3523% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,007 |
| Loan loss allowance to noncurrent loans | 66.9968% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 2,335 |
| Noncurrent loans to loans | 1.9717% | 1,898 |
| Net loans and leases to total assets | 70.7893% | 1,756 |
| Net loans and leases to deposits | 79.6037% | 2,351 |
| Net loans and leases to core deposits | 85.3998% | 2,379 |
| Total domestic deposits to total assets | 88.9271% | 1,707 |
| Equity capital to assets | 10.6896% | 3,051 |
| Core capital (leverage) ratio | 10.3450% | 3,122 |
| Tier 1 risk-based capital ratio | 12.1972% | 5,508 |
| Total risk-based capital ratio | 13.3275% | 5,526 |
| Memoranda: | ||
| Average total assets | $180,363,000 | 3,270 |
| Average earning assets | $165,164,000 | 3,278 |
| Average equity | $18,443,500 | 3,361 |
| Average total loans | $125,649,500 | 2,959 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5409% | 2,056 |
| Cost of funding earning assets | 0.4784% | 3,833 |
| Net interest margin | 4.0625% | 1,757 |
| Noninterest income to average assets | 0.8099% | 2,028 |
| Noninterest expense to average assets | 3.1033% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4021% | 1,019 |
| Return on assets (ROA) | 1.2198% | 1,565 |
| Pretax return on assets | 1.2616% | 2,310 |
| Return on Equity (ROE) | 11.8203% | 1,478 |
| Retained earnings to average equity (ytd only) | 4.8770% | 2,682 |
| Net charge-offs to loans | 0.1030% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.8017% | 1,478 |
| Efficiency ratio | 67.2920% | 4,327 |
| Assets per employee ($millions) | 4.2391% | 3,382 |
| Cash dividends to net income (ytd only)* | 58.7406% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,102 |
| Loan loss allowance to noncurrent loans | 123.3180% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 3,846 |
| Noncurrent loans to loans | 1.0609% | 3,389 |
| Net loans and leases to total assets | 66.7513% | 2,564 |
| Net loans and leases to deposits | 74.3567% | 3,210 |
| Net loans and leases to core deposits | 79.5163% | 3,188 |
| Total domestic deposits to total assets | 89.7718% | 1,201 |
| Equity capital to assets | 9.7717% | 4,072 |
| Core capital (leverage) ratio | 9.9577% | 3,631 |
| Tier 1 risk-based capital ratio | 11.9692% | 5,632 |
| Total risk-based capital ratio | 13.0674% | 5,663 |
| Memoranda: | ||
| Average total assets | $174,460,000 | 3,338 |
| Average earning assets | $160,737,600 | 3,327 |
| Average equity | $18,003,000 | 3,416 |
| Average total loans | $112,668,600 | 3,194 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 2,217 |
| Cost of funding earning assets | 0.4770% | 4,002 |
| Net interest margin | 4.0254% | 1,859 |
| Noninterest income to average assets | 0.8139% | 2,076 |
| Noninterest expense to average assets | 3.1403% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3655% | 1,183 |
| Return on assets (ROA) | 1.3588% | 1,252 |
| Pretax return on assets | 1.3974% | 1,934 |
| Return on Equity (ROE) | 12.9853% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.9228% | 1,080 |
| Net charge-offs to loans | 0.1188% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.5413% | 1,671 |
| Efficiency ratio | 68.2143% | 4,057 |
| Assets per employee ($millions) | 4.0768% | 3,682 |
| Cash dividends to net income (ytd only)* | 31.2858% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 4,014 |
| Loan loss allowance to noncurrent loans | 115.6849% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 3,806 |
| Noncurrent loans to loans | 1.1867% | 3,445 |
| Net loans and leases to total assets | 66.8022% | 2,498 |
| Net loans and leases to deposits | 74.8622% | 3,106 |
| Net loans and leases to core deposits | 80.6200% | 3,058 |
| Total domestic deposits to total assets | 89.2336% | 1,438 |
| Equity capital to assets | 10.2411% | 3,588 |
| Core capital (leverage) ratio | 10.3906% | 3,120 |
| Tier 1 risk-based capital ratio | 12.5131% | 5,450 |
| Total risk-based capital ratio | 13.6530% | 5,451 |
| Memoranda: | ||
| Average total assets | $172,504,750 | 3,399 |
| Average earning assets | $159,882,500 | 3,374 |
| Average equity | $18,050,750 | 3,448 |
| Average total loans | $110,013,750 | 3,269 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,642 |
| Cost of funding earning assets | 0.4704% | 4,201 |
| Net interest margin | 3.9090% | 2,187 |
| Noninterest income to average assets | 0.8428% | 2,020 |
| Noninterest expense to average assets | 3.1077% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3181% | 1,277 |
| Return on assets (ROA) | 1.3079% | 1,390 |
| Pretax return on assets | 1.3475% | 2,133 |
| Return on Equity (ROE) | 12.4092% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.0912% | 1,086 |
| Net charge-offs to loans | 0.0990% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.9811% | 1,393 |
| Efficiency ratio | 68.7027% | 4,059 |
| Assets per employee ($millions) | 3.8767% | 4,053 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 3,842 |
| Loan loss allowance to noncurrent loans | 515.6923% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 5,523 |
| Noncurrent loans to loans | 0.2796% | 5,604 |
| Net loans and leases to total assets | 67.1624% | 2,385 |
| Net loans and leases to deposits | 75.2167% | 2,985 |
| Net loans and leases to core deposits | 81.3672% | 2,877 |
| Total domestic deposits to total assets | 89.2920% | 1,451 |
| Equity capital to assets | 10.2355% | 3,614 |
| Core capital (leverage) ratio | 10.3048% | 3,094 |
| Tier 1 risk-based capital ratio | 12.5033% | 5,495 |
| Total risk-based capital ratio | 13.7015% | 5,478 |
| Memoranda: | ||
| Average total assets | $171,571,670 | 3,440 |
| Average earning assets | $159,018,000 | 3,413 |
| Average equity | $18,083,330 | 3,467 |
| Average total loans | $107,106,000 | 3,337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 3,134 |
| Cost of funding earning assets | 0.4687% | 4,384 |
| Net interest margin | 3.7753% | 2,541 |
| Noninterest income to average assets | 0.8229% | 2,030 |
| Noninterest expense to average assets | 3.1196% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1268% | 1,753 |
| Return on assets (ROA) | 1.1065% | 1,942 |
| Pretax return on assets | 1.1460% | 2,784 |
| Return on Equity (ROE) | 10.3504% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.3504% | 1,019 |
| Net charge-offs to loans | -0.0039% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8547% | 3,642 |
| Assets per employee ($millions) | 4.0021% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 3,190 |
| Loan loss allowance to noncurrent loans | 882.1429% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 5,863 |
| Noncurrent loans to loans | 0.1872% | 5,934 |
| Net loans and leases to total assets | 59.8197% | 3,460 |
| Net loans and leases to deposits | 67.3195% | 3,872 |
| Net loans and leases to core deposits | 70.3027% | 4,038 |
| Total domestic deposits to total assets | 88.8594% | 1,760 |
| Equity capital to assets | 10.7384% | 3,273 |
| Core capital (leverage) ratio | 10.1029% | 3,272 |
| Tier 1 risk-based capital ratio | 12.8834% | 5,311 |
| Total risk-based capital ratio | 14.1848% | 5,223 |
| Memoranda: | ||
| Average total assets | $172,071,000 | 3,469 |
| Average earning assets | $157,868,000 | 3,470 |
| Average equity | $18,395,500 | 3,471 |
| Average total loans | $102,540,500 | 3,451 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 2,768 |
| Cost of funding earning assets | 0.5828% | 4,510 |
| Net interest margin | 4.0749% | 2,102 |
| Noninterest income to average assets | 0.9045% | 1,845 |
| Noninterest expense to average assets | 3.2975% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2985% | 1,303 |
| Return on assets (ROA) | 1.4795% | 1,063 |
| Pretax return on assets | 1.5208% | 1,621 |
| Return on Equity (ROE) | 13.6256% | 1,076 |
| Retained earnings to average equity (ytd only) | 2.9894% | 4,125 |
| Net charge-offs to loans | 0.0753% | 4,926 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 29.2667% | 1,026 |
| Efficiency ratio | 70.1575% | 3,785 |
| Assets per employee ($millions) | 3.9102% | 4,128 |
| Cash dividends to net income (ytd only)* | 78.0608% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,854 |
| Loan loss allowance to noncurrent loans | 1,191.7241% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 6,046 |
| Noncurrent loans to loans | 0.1444% | 6,120 |
| Net loans and leases to total assets | 57.3548% | 4,072 |
| Net loans and leases to deposits | 64.5108% | 4,476 |
| Net loans and leases to core deposits | 67.3168% | 4,612 |
| Total domestic deposits to total assets | 88.9073% | 1,631 |
| Equity capital to assets | 10.6428% | 3,345 |
| Core capital (leverage) ratio | 10.2465% | 3,078 |
| Tier 1 risk-based capital ratio | 12.5045% | 5,476 |
| Total risk-based capital ratio | 13.8036% | 5,389 |
| Memoranda: | ||
| Average total assets | $164,519,400 | 3,542 |
| Average earning assets | $150,482,600 | 3,542 |
| Average equity | $17,863,400 | 3,493 |
| Average total loans | $99,567,000 | 3,536 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 2,355 |
| Cost of funding earning assets | 0.6033% | 4,614 |
| Net interest margin | 4.2069% | 1,718 |
| Noninterest income to average assets | 0.8911% | 1,864 |
| Noninterest expense to average assets | 3.3038% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4267% | 1,166 |
| Return on assets (ROA) | 1.6388% | 860 |
| Pretax return on assets | 1.6798% | 1,332 |
| Return on Equity (ROE) | 15.0143% | 898 |
| Retained earnings to average equity (ytd only) | 7.5034% | 1,851 |
| Net charge-offs to loans | 0.0349% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 68.6455% | 593 |
| Efficiency ratio | 68.2889% | 3,999 |
| Assets per employee ($millions) | 3.7054% | 4,529 |
| Cash dividends to net income (ytd only)* | 50.0250% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 2,812 |
| Loan loss allowance to noncurrent loans | 1,234.0278% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,222 |
| Noncurrent loans to loans | 0.1456% | 6,242 |
| Net loans and leases to total assets | 59.5916% | 3,859 |
| Net loans and leases to deposits | 67.6765% | 4,233 |
| Net loans and leases to core deposits | 70.7466% | 4,404 |
| Total domestic deposits to total assets | 88.0537% | 2,015 |
| Equity capital to assets | 11.3851% | 2,866 |
| Core capital (leverage) ratio | 10.7579% | 2,649 |
| Tier 1 risk-based capital ratio | 13.8248% | 4,675 |
| Total risk-based capital ratio | 15.1725% | 4,545 |
| Memoranda: | ||
| Average total assets | $162,636,750 | 3,607 |
| Average earning assets | $149,845,000 | 3,588 |
| Average equity | $17,751,500 | 3,540 |
| Average total loans | $99,357,000 | 3,574 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 2,531 |
| Cost of funding earning assets | 0.6299% | 4,624 |
| Net interest margin | 4.1654% | 1,848 |
| Noninterest income to average assets | 0.8332% | 2,044 |
| Noninterest expense to average assets | 3.2972% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3282% | 1,367 |
| Return on assets (ROA) | 1.7034% | 746 |
| Pretax return on assets | 1.7440% | 1,152 |
| Return on Equity (ROE) | 15.8340% | 791 |
| Retained earnings to average equity (ytd only) | 6.6814% | 2,285 |
| Net charge-offs to loans | 0.0462% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 48.0870% | 753 |
| Efficiency ratio | 69.7226% | 3,811 |
| Assets per employee ($millions) | 3.6065% | 4,741 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7448% | 3,047 |
| Loan loss allowance to noncurrent loans | 368.5300% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 5,740 |
| Noncurrent loans to loans | 0.4735% | 5,587 |
| Net loans and leases to total assets | 63.1660% | 3,204 |
| Net loans and leases to deposits | 71.5356% | 3,682 |
| Net loans and leases to core deposits | 75.1049% | 3,872 |
| Total domestic deposits to total assets | 88.3001% | 1,957 |
| Equity capital to assets | 11.2077% | 2,889 |
| Core capital (leverage) ratio | 10.4487% | 2,859 |
| Tier 1 risk-based capital ratio | 13.3404% | 4,937 |
| Total risk-based capital ratio | 14.7103% | 4,815 |
| Memoranda: | ||
| Average total assets | $162,503,000 | 3,622 |
| Average earning assets | $149,231,000 | 3,618 |
| Average equity | $17,481,330 | 3,572 |
| Average total loans | $99,498,000 | 3,586 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 3,225 |
| Cost of funding earning assets | 0.6604% | 4,632 |
| Net interest margin | 3.9970% | 2,521 |
| Noninterest income to average assets | 0.8467% | 1,958 |
| Noninterest expense to average assets | 3.2942% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1879% | 1,775 |
| Return on assets (ROA) | 1.5230% | 1,102 |
| Pretax return on assets | 1.5644% | 1,690 |
| Return on Equity (ROE) | 14.4493% | 1,092 |
| Retained earnings to average equity (ytd only) | 1.7542% | 5,362 |
| Net charge-offs to loans | 0.1059% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.2692% | 1,233 |
| Efficiency ratio | 71.9137% | 3,463 |
| Assets per employee ($millions) | 3.6974% | 4,659 |
| Cash dividends to net income (ytd only)* | 87.8594% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 3,252 |
| Loan loss allowance to noncurrent loans | 718.0328% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 6,156 |
| Noncurrent loans to loans | 0.2401% | 6,213 |
| Net loans and leases to total assets | 61.4021% | 3,374 |
| Net loans and leases to deposits | 69.0300% | 3,868 |
| Net loans and leases to core deposits | 72.2045% | 4,120 |
| Total domestic deposits to total assets | 88.9498% | 1,726 |
| Equity capital to assets | 10.6193% | 3,361 |
| Core capital (leverage) ratio | 9.9423% | 3,439 |
| Tier 1 risk-based capital ratio | 12.7947% | 5,369 |
| Total risk-based capital ratio | 14.1492% | 5,261 |
| Memoranda: | ||
| Average total assets | $164,412,000 | 3,611 |
| Average earning assets | $150,813,500 | 3,602 |
| Average equity | $17,329,500 | 3,601 |
| Average total loans | $98,239,500 | 3,637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,581 |
| Cost of funding earning assets | 0.9451% | 3,749 |
| Net interest margin | 4.3984% | 1,404 |
| Noninterest income to average assets | 1.0236% | 1,298 |
| Noninterest expense to average assets | 3.4990% | 1,987 |
| Loan and lease loss provision to assets | 0.1665% | 4,559 |
| Net operating income to assets | 1.3820% | 1,056 |
| Return on assets (ROA) | 1.4491% | 1,009 |
| Pretax return on assets | 1.4904% | 1,501 |
| Return on Equity (ROE) | 12.7979% | 1,204 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,029 |
| Net charge-offs to loans | 0.0770% | 5,553 |
| Credit loss provision to net charge-offs | 337.8378% | 687 |
| Earnings coverage of net charge-offs (x) | 32.2162% | 803 |
| Efficiency ratio | 67.5962% | 4,442 |
| Assets per employee ($millions) | 3.6920% | 4,563 |
| Cash dividends to net income (ytd only)* | 65.4871% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 2,647 |
| Loan loss allowance to noncurrent loans | 4,445.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 6,530 |
| Noncurrent loans to loans | 0.0422% | 6,718 |
| Net loans and leases to total assets | 56.0115% | 4,705 |
| Net loans and leases to deposits | 62.8882% | 5,133 |
| Net loans and leases to core deposits | 65.7679% | 5,277 |
| Total domestic deposits to total assets | 89.0652% | 1,496 |
| Equity capital to assets | 10.4629% | 3,576 |
| Core capital (leverage) ratio | 10.3750% | 2,873 |
| Tier 1 risk-based capital ratio | 13.3943% | 4,777 |
| Total risk-based capital ratio | 14.7170% | 4,685 |
| Memoranda: | ||
| Average total assets | $150,157,000 | 3,795 |
| Average earning assets | $138,708,400 | 3,767 |
| Average equity | $17,002,800 | 3,577 |
| Average total loans | $96,088,800 | 3,724 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5066% | 1,237 |
| Cost of funding earning assets | 1.0028% | 3,662 |
| Net interest margin | 4.5038% | 1,139 |
| Noninterest income to average assets | 1.0937% | 1,117 |
| Noninterest expense to average assets | 3.5303% | 1,857 |
| Loan and lease loss provision to assets | 0.2281% | 3,728 |
| Net operating income to assets | 1.4633% | 1,020 |
| Return on assets (ROA) | 1.5553% | 911 |
| Pretax return on assets | 1.6009% | 1,384 |
| Return on Equity (ROE) | 13.4452% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.5166% | 1,307 |
| Net charge-offs to loans | 0.0290% | 5,743 |
| Credit loss provision to net charge-offs | 1,190.4762% | 230 |
| Earnings coverage of net charge-offs (x) | 90.5214% | 395 |
| Efficiency ratio | 65.8811% | 4,742 |
| Assets per employee ($millions) | 3.3430% | 5,380 |
| Cash dividends to net income (ytd only)* | 36.6567% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 2,539 |
| Loan loss allowance to noncurrent loans | 494.8649% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 6,073 |
| Noncurrent loans to loans | 0.3898% | 6,076 |
| Net loans and leases to total assets | 61.8874% | 3,755 |
| Net loans and leases to deposits | 70.6472% | 4,194 |
| Net loans and leases to core deposits | 75.1863% | 4,298 |
| Total domestic deposits to total assets | 87.6007% | 2,291 |
| Equity capital to assets | 11.7977% | 2,415 |
| Core capital (leverage) ratio | 11.1760% | 2,260 |
| Tier 1 risk-based capital ratio | 14.3819% | 4,068 |
| Total risk-based capital ratio | 15.7068% | 3,977 |
| Memoranda: | ||
| Average total assets | $146,161,500 | 3,889 |
| Average earning assets | $135,348,500 | 3,851 |
| Average equity | $16,907,750 | 3,605 |
| Average total loans | $96,402,250 | 3,741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 1,135 |
| Cost of funding earning assets | 1.0346% | 3,707 |
| Net interest margin | 4.5316% | 1,053 |
| Noninterest income to average assets | 1.0529% | 1,185 |
| Noninterest expense to average assets | 3.6273% | 1,686 |
| Loan and lease loss provision to assets | 0.3109% | 2,927 |
| Net operating income to assets | 1.2618% | 1,417 |
| Return on assets (ROA) | 1.4012% | 1,149 |
| Pretax return on assets | 1.4468% | 1,674 |
| Return on Equity (ROE) | 12.1965% | 1,439 |
| Retained earnings to average equity (ytd only) | 8.8888% | 1,146 |
| Net charge-offs to loans | 0.0248% | 5,482 |
| Credit loss provision to net charge-offs | 1,875.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 97.3333% | 371 |
| Efficiency ratio | 68.0200% | 4,509 |
| Assets per employee ($millions) | 3.2741% | 5,472 |
| Cash dividends to net income (ytd only)* | 27.1203% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 2,667 |
| Loan loss allowance to noncurrent loans | 470.2073% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 6,068 |
| Noncurrent loans to loans | 0.4041% | 6,094 |
| Net loans and leases to total assets | 63.5959% | 3,555 |
| Net loans and leases to deposits | 72.5269% | 4,033 |
| Net loans and leases to core deposits | 77.0659% | 4,180 |
| Total domestic deposits to total assets | 87.6859% | 2,350 |
| Equity capital to assets | 11.7494% | 2,285 |
| Core capital (leverage) ratio | 11.0040% | 2,247 |
| Tier 1 risk-based capital ratio | 13.9698% | 4,189 |
| Total risk-based capital ratio | 15.2799% | 4,126 |
| Memoranda: | ||
| Average total assets | $144,736,670 | 3,940 |
| Average earning assets | $133,770,670 | 3,913 |
| Average equity | $16,627,670 | 3,632 |
| Average total loans | $96,892,330 | 3,772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 1,089 |
| Cost of funding earning assets | 1.0615% | 3,776 |
| Net interest margin | 4.5213% | 1,021 |
| Noninterest income to average assets | 0.8952% | 1,677 |
| Noninterest expense to average assets | 3.6141% | 1,739 |
| Loan and lease loss provision to assets | 0.4183% | 2,102 |
| Net operating income to assets | 0.9960% | 2,195 |
| Return on assets (ROA) | 1.2744% | 1,384 |
| Pretax return on assets | 1.3218% | 1,972 |
| Return on Equity (ROE) | 11.2244% | 1,668 |
| Retained earnings to average equity (ytd only) | 4.4701% | 3,494 |
| Net charge-offs to loans | -0.0574% | 6,928 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0991% | 4,247 |
| Assets per employee ($millions) | 3.2394% | 5,614 |
| Cash dividends to net income (ytd only)* | 60.1751% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 3,053 |
| Loan loss allowance to noncurrent loans | 364.1237% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 5,973 |
| Noncurrent loans to loans | 0.4902% | 6,036 |
| Net loans and leases to total assets | 66.6623% | 2,842 |
| Net loans and leases to deposits | 75.5004% | 3,495 |
| Net loans and leases to core deposits | 78.7001% | 3,933 |
| Total domestic deposits to total assets | 88.2940% | 2,194 |
| Equity capital to assets | 11.1949% | 2,506 |
| Core capital (leverage) ratio | 10.6216% | 2,488 |
| Tier 1 risk-based capital ratio | 12.6915% | 5,073 |
| Total risk-based capital ratio | 13.9440% | 5,046 |
| Memoranda: | ||
| Average total assets | $143,437,500 | 4,006 |
| Average earning assets | $132,261,500 | 3,971 |
| Average equity | $16,286,000 | 3,677 |
| Average total loans | $97,581,500 | 3,789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 1,266 |
| Cost of funding earning assets | 1.2520% | 4,201 |
| Net interest margin | 4.5533% | 1,126 |
| Noninterest income to average assets | 0.9909% | 1,530 |
| Noninterest expense to average assets | 3.5588% | 2,037 |
| Loan and lease loss provision to assets | 0.4362% | 3,506 |
| Net operating income to assets | 1.1790% | 1,465 |
| Return on assets (ROA) | 1.2185% | 1,445 |
| Pretax return on assets | 1.2592% | 2,049 |
| Return on Equity (ROE) | 10.5641% | 1,734 |
| Retained earnings to average equity (ytd only) | 5.6477% | 2,017 |
| Net charge-offs to loans | 0.8495% | 2,510 |
| Credit loss provision to net charge-offs | 71.4286% | 5,822 |
| Earnings coverage of net charge-offs (x) | 2.7095% | 3,734 |
| Efficiency ratio | 66.7968% | 4,799 |
| Assets per employee ($millions) | 3.3596% | 5,276 |
| Cash dividends to net income (ytd only)* | 46.5394% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 3,342 |
| Loan loss allowance to noncurrent loans | 81.4438% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 3,980 |
| Noncurrent loans to loans | 2.0442% | 3,493 |
| Net loans and leases to total assets | 67.0574% | 3,207 |
| Net loans and leases to deposits | 76.3021% | 3,792 |
| Net loans and leases to core deposits | 79.9581% | 4,226 |
| Total domestic deposits to total assets | 87.8840% | 2,318 |
| Equity capital to assets | 11.5185% | 2,242 |
| Core capital (leverage) ratio | 10.7717% | 2,329 |
| Tier 1 risk-based capital ratio | 13.3408% | 4,337 |
| Total risk-based capital ratio | 14.4599% | 4,399 |
| Memoranda: | ||
| Average total assets | $137,548,000 | 4,103 |
| Average earning assets | $127,555,800 | 4,075 |
| Average equity | $15,865,000 | 3,796 |
| Average total loans | $98,876,400 | 3,830 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 1,258 |
| Cost of funding earning assets | 1.2856% | 4,324 |
| Net interest margin | 4.5628% | 1,124 |
| Noninterest income to average assets | 0.9220% | 1,720 |
| Noninterest expense to average assets | 3.5630% | 1,872 |
| Loan and lease loss provision to assets | 0.4634% | 3,156 |
| Net operating income to assets | 1.1070% | 1,862 |
| Return on assets (ROA) | 1.1600% | 1,799 |
| Pretax return on assets | 1.1991% | 2,491 |
| Return on Equity (ROE) | 10.0538% | 2,103 |
| Retained earnings to average equity (ytd only) | 4.7267% | 3,175 |
| Net charge-offs to loans | 0.5398% | 3,142 |
| Credit loss provision to net charge-offs | 117.8660% | 3,519 |
| Earnings coverage of net charge-offs (x) | 4.0893% | 3,195 |
| Efficiency ratio | 67.4340% | 4,575 |
| Assets per employee ($millions) | 3.3320% | 5,376 |
| Cash dividends to net income (ytd only)* | 52.9859% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,590 |
| Loan loss allowance to noncurrent loans | 73.7004% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.9793% | 3,494 |
| Noncurrent loans to loans | 2.5276% | 3,093 |
| Net loans and leases to total assets | 72.0499% | 2,244 |
| Net loans and leases to deposits | 82.0805% | 3,091 |
| Net loans and leases to core deposits | 87.0884% | 3,511 |
| Total domestic deposits to total assets | 87.7796% | 2,110 |
| Equity capital to assets | 11.5530% | 2,493 |
| Core capital (leverage) ratio | 10.9697% | 2,282 |
| Tier 1 risk-based capital ratio | 13.1573% | 4,451 |
| Total risk-based capital ratio | 14.4168% | 4,426 |
| Memoranda: | ||
| Average total assets | $136,659,250 | 4,174 |
| Average earning assets | $127,256,750 | 4,129 |
| Average equity | $15,768,000 | 3,847 |
| Average total loans | $99,540,000 | 3,872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7381% | 1,607 |
| Cost of funding earning assets | 1.3136% | 4,454 |
| Net interest margin | 4.4245% | 1,380 |
| Noninterest income to average assets | 0.8262% | 1,991 |
| Noninterest expense to average assets | 3.5777% | 1,838 |
| Loan and lease loss provision to assets | 0.2582% | 4,353 |
| Net operating income to assets | 1.0706% | 1,942 |
| Return on assets (ROA) | 1.1508% | 1,756 |
| Pretax return on assets | 1.1876% | 2,455 |
| Return on Equity (ROE) | 9.9778% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.4772% | 3,219 |
| Net charge-offs to loans | 0.3026% | 3,800 |
| Credit loss provision to net charge-offs | 117.4497% | 3,459 |
| Earnings coverage of net charge-offs (x) | 6.2013% | 2,507 |
| Efficiency ratio | 70.8570% | 4,010 |
| Assets per employee ($millions) | 3.2187% | 5,638 |
| Cash dividends to net income (ytd only)* | 55.1282% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,577 |
| Loan loss allowance to noncurrent loans | 69.8318% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.1408% | 3,325 |
| Noncurrent loans to loans | 2.6442% | 2,995 |
| Net loans and leases to total assets | 73.4514% | 2,046 |
| Net loans and leases to deposits | 83.7807% | 2,909 |
| Net loans and leases to core deposits | 88.2451% | 3,512 |
| Total domestic deposits to total assets | 87.6711% | 2,174 |
| Equity capital to assets | 11.7061% | 2,275 |
| Core capital (leverage) ratio | 10.9527% | 2,275 |
| Tier 1 risk-based capital ratio | 13.5268% | 4,048 |
| Total risk-based capital ratio | 14.7832% | 4,011 |
| Memoranda: | ||
| Average total assets | $135,563,670 | 4,224 |
| Average earning assets | $126,070,000 | 4,180 |
| Average equity | $15,634,670 | 3,863 |
| Average total loans | $98,471,670 | 3,944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7352% | 1,657 |
| Cost of funding earning assets | 1.3198% | 4,694 |
| Net interest margin | 4.4153% | 1,346 |
| Noninterest income to average assets | 0.8103% | 1,972 |
| Noninterest expense to average assets | 3.3856% | 2,276 |
| Loan and lease loss provision to assets | 0.2210% | 4,288 |
| Net operating income to assets | 1.2563% | 1,394 |
| Return on assets (ROA) | 1.3083% | 1,350 |
| Pretax return on assets | 1.3377% | 1,940 |
| Return on Equity (ROE) | 11.4289% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.2808% | 2,480 |
| Net charge-offs to loans | 0.4530% | 2,688 |
| Credit loss provision to net charge-offs | 68.1818% | 4,142 |
| Earnings coverage of net charge-offs (x) | 4.6455% | 2,582 |
| Efficiency ratio | 67.6506% | 4,789 |
| Assets per employee ($millions) | 3.1588% | 5,862 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 2,650 |
| Loan loss allowance to noncurrent loans | 131.8016% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 4,947 |
| Noncurrent loans to loans | 1.3861% | 4,654 |
| Net loans and leases to total assets | 71.4894% | 2,569 |
| Net loans and leases to deposits | 81.3443% | 3,397 |
| Net loans and leases to core deposits | 84.7212% | 4,102 |
| Total domestic deposits to total assets | 87.8849% | 2,128 |
| Equity capital to assets | 11.5262% | 2,341 |
| Core capital (leverage) ratio | 10.8630% | 2,324 |
| Tier 1 risk-based capital ratio | 13.5660% | 3,949 |
| Total risk-based capital ratio | 14.8222% | 3,907 |
| Memoranda: | ||
| Average total assets | $135,752,500 | 4,283 |
| Average earning assets | $125,471,500 | 4,250 |
| Average equity | $15,539,500 | 3,912 |
| Average total loans | $97,125,500 | 4,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9327% | 2,118 |
| Cost of funding earning assets | 1.5999% | 5,026 |
| Net interest margin | 4.3328% | 1,626 |
| Noninterest income to average assets | 0.8219% | 2,298 |
| Noninterest expense to average assets | 3.3449% | 2,855 |
| Loan and lease loss provision to assets | 1.5044% | 1,529 |
| Net operating income to assets | -0.0088% | 5,502 |
| Return on assets (ROA) | 0.2429% | 4,830 |
| Pretax return on assets | 0.2429% | 4,906 |
| Return on Equity (ROE) | 2.1505% | 4,848 |
| Retained earnings to average equity (ytd only) | 0.3573% | 4,708 |
| Net charge-offs to loans | 2.4975% | 925 |
| Credit loss provision to net charge-offs | 83.6052% | 6,206 |
| Earnings coverage of net charge-offs (x) | 0.8312% | 5,276 |
| Efficiency ratio | 67.2680% | 5,136 |
| Assets per employee ($millions) | 3.1552% | 5,844 |
| Cash dividends to net income (ytd only)* | 83.3837% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 2,186 |
| Loan loss allowance to noncurrent loans | 108.9296% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 4,302 |
| Noncurrent loans to loans | 1.7737% | 3,973 |
| Net loans and leases to total assets | 68.9132% | 3,512 |
| Net loans and leases to deposits | 78.2613% | 4,321 |
| Net loans and leases to core deposits | 88.8199% | 5,241 |
| Total domestic deposits to total assets | 88.0553% | 1,949 |
| Equity capital to assets | 11.3676% | 2,422 |
| Core capital (leverage) ratio | 10.3804% | 2,706 |
| Tier 1 risk-based capital ratio | 13.5989% | 3,759 |
| Total risk-based capital ratio | 14.8557% | 3,692 |
| Memoranda: | ||
| Average total assets | $136,269,000 | 4,205 |
| Average earning assets | $126,384,600 | 4,168 |
| Average equity | $15,391,600 | 3,995 |
| Average total loans | $98,177,200 | 4,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 2,433 |
| Cost of funding earning assets | 1.6376% | 5,217 |
| Net interest margin | 4.2666% | 1,818 |
| Noninterest income to average assets | 0.8132% | 2,366 |
| Noninterest expense to average assets | 3.2908% | 2,951 |
| Loan and lease loss provision to assets | 1.8570% | 997 |
| Net operating income to assets | -0.3597% | 6,274 |
| Return on assets (ROA) | -0.0264% | 5,819 |
| Pretax return on assets | -0.0264% | 5,748 |
| Return on Equity (ROE) | -0.2340% | 5,817 |
| Retained earnings to average equity (ytd only) | -1.6900% | 5,657 |
| Net charge-offs to loans | 3.2643% | 491 |
| Credit loss provision to net charge-offs | 78.4800% | 5,797 |
| Earnings coverage of net charge-offs (x) | 0.6328% | 5,394 |
| Efficiency ratio | 66.8912% | 5,213 |
| Assets per employee ($millions) | 3.3023% | 5,396 |
| Cash dividends to net income (ytd only)* | -622.1944% | 8,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,409 |
| Loan loss allowance to noncurrent loans | 81.7362% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.7477% | 3,737 |
| Noncurrent loans to loans | 2.1545% | 3,440 |
| Net loans and leases to total assets | 69.3000% | 3,654 |
| Net loans and leases to deposits | 78.3631% | 4,685 |
| Net loans and leases to core deposits | 91.6867% | 5,260 |
| Total domestic deposits to total assets | 88.4345% | 1,462 |
| Equity capital to assets | 10.9822% | 3,022 |
| Core capital (leverage) ratio | 10.2688% | 3,003 |
| Tier 1 risk-based capital ratio | 13.0298% | 4,171 |
| Total risk-based capital ratio | 14.2844% | 4,103 |
| Memoranda: | ||
| Average total assets | $136,417,500 | 4,225 |
| Average earning assets | $127,093,000 | 4,180 |
| Average equity | $15,383,750 | 4,029 |
| Average total loans | $98,886,500 | 4,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9488% | 2,395 |
| Cost of funding earning assets | 1.6749% | 5,389 |
| Net interest margin | 4.2739% | 1,735 |
| Noninterest income to average assets | 0.7902% | 2,462 |
| Noninterest expense to average assets | 3.3304% | 2,852 |
| Loan and lease loss provision to assets | 2.5800% | 599 |
| Net operating income to assets | -1.1514% | 7,084 |
| Return on assets (ROA) | -0.8448% | 6,869 |
| Pretax return on assets | -0.8448% | 6,710 |
| Return on Equity (ROE) | -7.4250% | 6,842 |
| Retained earnings to average equity (ytd only) | -9.6020% | 6,834 |
| Net charge-offs to loans | 4.7443% | 266 |
| Credit loss provision to net charge-offs | 74.3415% | 5,333 |
| Earnings coverage of net charge-offs (x) | 0.4116% | 5,277 |
| Efficiency ratio | 68.1227% | 5,137 |
| Assets per employee ($millions) | 3.2931% | 5,342 |
| Cash dividends to net income (ytd only)* | -29.3194% | 7,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 2,519 |
| Loan loss allowance to noncurrent loans | 45.4168% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.7300% | 2,356 |
| Noncurrent loans to loans | 3.6356% | 1,912 |
| Net loans and leases to total assets | 72.3469% | 3,128 |
| Net loans and leases to deposits | 81.8340% | 4,252 |
| Net loans and leases to core deposits | 96.9452% | 4,798 |
| Total domestic deposits to total assets | 88.4068% | 1,573 |
| Equity capital to assets | 10.8999% | 3,017 |
| Core capital (leverage) ratio | 9.9381% | 3,362 |
| Tier 1 risk-based capital ratio | 12.3547% | 4,635 |
| Total risk-based capital ratio | 13.6087% | 4,555 |
| Memoranda: | ||
| Average total assets | $135,657,670 | 4,267 |
| Average earning assets | $125,974,670 | 4,227 |
| Average equity | $15,434,330 | 4,028 |
| Average total loans | $99,235,330 | 4,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0526% | 2,140 |
| Cost of funding earning assets | 1.7243% | 5,500 |
| Net interest margin | 4.3283% | 1,520 |
| Noninterest income to average assets | 0.7972% | 2,341 |
| Noninterest expense to average assets | 3.3300% | 2,569 |
| Loan and lease loss provision to assets | 1.0296% | 1,275 |
| Net operating income to assets | 0.4130% | 4,811 |
| Return on assets (ROA) | 0.8266% | 3,171 |
| Pretax return on assets | 0.8678% | 3,835 |
| Return on Equity (ROE) | 7.1171% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.3948% | 2,909 |
| Net charge-offs to loans | 4.9923% | 216 |
| Credit loss provision to net charge-offs | 28.2714% | 4,975 |
| Earnings coverage of net charge-offs (x) | 0.4015% | 4,666 |
| Efficiency ratio | 67.6489% | 5,032 |
| Assets per employee ($millions) | 3.3347% | 5,234 |
| Cash dividends to net income (ytd only)* | 24.1993% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 3,623 |
| Loan loss allowance to noncurrent loans | 19.5248% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 5.1726% | 855 |
| Noncurrent loans to loans | 7.0616% | 566 |
| Net loans and leases to total assets | 70.9423% | 3,483 |
| Net loans and leases to deposits | 80.8012% | 4,493 |
| Net loans and leases to core deposits | 93.9600% | 5,152 |
| Total domestic deposits to total assets | 87.7985% | 1,842 |
| Equity capital to assets | 11.5066% | 2,583 |
| Core capital (leverage) ratio | 10.7451% | 2,701 |
| Tier 1 risk-based capital ratio | 13.1020% | 4,118 |
| Total risk-based capital ratio | 14.3521% | 4,031 |
| Memoranda: | ||
| Average total assets | $135,977,000 | 4,286 |
| Average earning assets | $125,500,000 | 4,255 |
| Average equity | $15,793,000 | 3,985 |
| Average total loans | $99,192,000 | 4,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6793% | 2,109 |
| Cost of funding earning assets | 2.5033% | 4,189 |
| Net interest margin | 4.1760% | 2,407 |
| Noninterest income to average assets | 0.8792% | 2,061 |
| Noninterest expense to average assets | 3.3433% | 2,832 |
| Loan and lease loss provision to assets | 0.9855% | 1,494 |
| Net operating income to assets | 0.3546% | 5,335 |
| Return on assets (ROA) | 0.3533% | 5,146 |
| Pretax return on assets | 0.3927% | 5,276 |
| Return on Equity (ROE) | 2.9846% | 5,243 |
| Retained earnings to average equity (ytd only) | -2.0735% | 5,892 |
| Net charge-offs to loans | 0.2048% | 4,155 |
| Credit loss provision to net charge-offs | 627.9621% | 685 |
| Earnings coverage of net charge-offs (x) | 8.7915% | 2,819 |
| Efficiency ratio | 68.5984% | 4,611 |
| Assets per employee ($millions) | 3.2984% | 5,215 |
| Cash dividends to net income (ytd only)* | 169.4737% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2432% | 910 |
| Loan loss allowance to noncurrent loans | 90.6300% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.9248% | 2,550 |
| Noncurrent loans to loans | 2.4751% | 2,209 |
| Net loans and leases to total assets | 72.3130% | 3,516 |
| Net loans and leases to deposits | 83.5435% | 4,490 |
| Net loans and leases to core deposits | 96.7241% | 5,176 |
| Total domestic deposits to total assets | 86.5573% | 2,155 |
| Equity capital to assets | 11.7235% | 2,485 |
| Core capital (leverage) ratio | 10.5005% | 2,978 |
| Tier 1 risk-based capital ratio | 12.9835% | 4,120 |
| Total risk-based capital ratio | 14.2438% | 4,029 |
| Memoranda: | ||
| Average total assets | $134,447,000 | 4,196 |
| Average earning assets | $123,755,200 | 4,178 |
| Average equity | $15,915,000 | 3,945 |
| Average total loans | $103,003,400 | 3,875 |