Home > Security Bank Midwest > Performance and Condition Ratios
Security Bank Midwest, 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 | 5.3029% | 1,489 |
| Cost of funding earning assets | 1.7033% | 1,448 |
| Net interest margin | 3.5996% | 1,971 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5500% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9586% | 2,341 |
| Return on assets (ROA) | 0.9638% | 2,313 |
| Pretax return on assets | 1.0019% | 2,683 |
| Return on Equity (ROE) | 12.8000% | 1,779 |
| Retained earnings to average equity (ytd only) | 4.9056% | 2,629 |
| Net charge-offs to loans | -0.0009% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.9007% | 1,671 |
| Assets per employee ($millions) | 9.3633% | 870 |
| Cash dividends to net income (ytd only)* | 61.6748% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 1,855 |
| Loan loss allowance to noncurrent loans | 158.9978% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 951 |
| Noncurrent loans to loans | 0.8074% | 958 |
| Net loans and leases to total assets | 71.2800% | 1,667 |
| Net loans and leases to deposits | 92.0592% | 1,086 |
| Net loans and leases to core deposits | 122.1043% | 570 |
| Total domestic deposits to total assets | 77.4300% | 3,795 |
| Equity capital to assets | 7.4031% | 3,768 |
| Core capital (leverage) ratio | 9.6746% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $298,622,400 | 2,435 |
| Average earning assets | $279,111,600 | 2,418 |
| Average equity | $22,484,600 | 2,655 |
| Average total loans | $214,176,600 | 2,199 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 1,368 |
| Cost of funding earning assets | 1.5471% | 1,489 |
| Net interest margin | 3.6968% | 1,780 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.5904% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0324% | 2,271 |
| Return on assets (ROA) | 1.0324% | 2,258 |
| Pretax return on assets | 1.0778% | 2,635 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | 4.6457% | 3,060 |
| Net charge-offs to loans | -0.0006% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6188% | 1,719 |
| Assets per employee ($millions) | 8.3669% | 1,180 |
| Cash dividends to net income (ytd only)* | 65.9631% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,434 |
| Loan loss allowance to noncurrent loans | 160.5879% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 929 |
| Noncurrent loans to loans | 0.8735% | 950 |
| Net loans and leases to total assets | 70.8100% | 1,730 |
| Net loans and leases to deposits | 87.4754% | 1,428 |
| Net loans and leases to core deposits | 111.9220% | 802 |
| Total domestic deposits to total assets | 80.9400% | 3,394 |
| Equity capital to assets | 7.8684% | 3,137 |
| Core capital (leverage) ratio | 9.9135% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $293,689,750 | 2,457 |
| Average earning assets | $275,080,500 | 2,444 |
| Average equity | $22,213,750 | 2,667 |
| Average total loans | $210,251,500 | 2,226 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 1,345 |
| Cost of funding earning assets | 1.4110% | 1,417 |
| Net interest margin | 3.7030% | 1,804 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.5533% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0559% | 2,246 |
| Return on assets (ROA) | 1.0559% | 2,244 |
| Pretax return on assets | 1.1028% | 2,640 |
| Return on Equity (ROE) | 14.1500% | 1,646 |
| Retained earnings to average equity (ytd only) | 2.9812% | 3,485 |
| Net charge-offs to loans | -0.0010% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8362% | 1,779 |
| Assets per employee ($millions) | 8.6234% | 1,036 |
| Cash dividends to net income (ytd only)* | 78.9304% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,518 |
| Loan loss allowance to noncurrent loans | 163.1637% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 867 |
| Noncurrent loans to loans | 0.8607% | 879 |
| Net loans and leases to total assets | 70.6400% | 1,671 |
| Net loans and leases to deposits | 86.9399% | 1,429 |
| Net loans and leases to core deposits | 110.1974% | 819 |
| Total domestic deposits to total assets | 81.2500% | 3,387 |
| Equity capital to assets | 7.6372% | 3,448 |
| Core capital (leverage) ratio | 9.7005% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $293,972,000 | 2,461 |
| Average earning assets | $275,399,000 | 2,449 |
| Average equity | $21,937,667 | 2,702 |
| Average total loans | $210,235,667 | 2,221 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 1,436 |
| Cost of funding earning assets | 1.1529% | 1,585 |
| Net interest margin | 3.7341% | 1,817 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.5520% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1401% | 2,100 |
| Return on assets (ROA) | 1.1401% | 2,065 |
| Pretax return on assets | 1.1877% | 2,457 |
| Return on Equity (ROE) | 15.4600% | 1,466 |
| Retained earnings to average equity (ytd only) | -2.0451% | 4,208 |
| Net charge-offs to loans | -0.0019% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.2413% | 1,944 |
| Assets per employee ($millions) | 8.0593% | 1,309 |
| Cash dividends to net income (ytd only)* | 113.2300% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,505 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.1400% | 1,614 |
| Net loans and leases to deposits | 87.8109% | 1,224 |
| Net loans and leases to core deposits | 105.0975% | 872 |
| Total domestic deposits to total assets | 79.8700% | 3,777 |
| Equity capital to assets | 7.4975% | 3,565 |
| Core capital (leverage) ratio | 9.6705% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $294,359,500 | 2,494 |
| Average earning assets | $275,836,500 | 2,474 |
| Average equity | $21,710,500 | 2,747 |
| Average total loans | $210,320,500 | 2,238 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 1,059 |
| Cost of funding earning assets | 0.5024% | 1,374 |
| Net interest margin | 3.7948% | 1,168 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.4946% | 2,133 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3479% | 1,285 |
| Return on assets (ROA) | 1.3479% | 1,245 |
| Pretax return on assets | 1.3921% | 1,793 |
| Return on Equity (ROE) | 18.0000% | 701 |
| Retained earnings to average equity (ytd only) | 8.8816% | 1,512 |
| Net charge-offs to loans | 0.0010% | 2,545 |
| Credit loss provision to net charge-offs | 9,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 2,092.5000% | 81 |
| Efficiency ratio | 63.1667% | 2,608 |
| Assets per employee ($millions) | 8.7819% | 981 |
| Cash dividends to net income (ytd only)* | 50.6704% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,582 |
| Loan loss allowance to noncurrent loans | 4,536.9231% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,626 |
| Noncurrent loans to loans | 0.0303% | 3,571 |
| Net loans and leases to total assets | 70.7500% | 1,553 |
| Net loans and leases to deposits | 87.8287% | 1,188 |
| Net loans and leases to core deposits | 112.6607% | 531 |
| Total domestic deposits to total assets | 80.5500% | 3,811 |
| Equity capital to assets | 7.2569% | 3,514 |
| Core capital (leverage) ratio | 9.6193% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $287,700,000 | 2,509 |
| Average earning assets | $269,683,800 | 2,494 |
| Average equity | $21,539,000 | 2,811 |
| Average total loans | $203,578,600 | 2,201 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 1,102 |
| Cost of funding earning assets | 0.3665% | 1,553 |
| Net interest margin | 3.7123% | 1,106 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3974% | 2,347 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3586% | 1,196 |
| Return on assets (ROA) | 1.3586% | 1,168 |
| Pretax return on assets | 1.4148% | 1,669 |
| Return on Equity (ROE) | 15.2100% | 1,129 |
| Retained earnings to average equity (ytd only) | 6.4925% | 2,553 |
| Net charge-offs to loans | 0.0013% | 2,267 |
| Credit loss provision to net charge-offs | 9,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,625.0000% | 80 |
| Efficiency ratio | 61.5476% | 2,891 |
| Assets per employee ($millions) | 7.9459% | 1,354 |
| Cash dividends to net income (ytd only)* | 57.3270% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,392 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,934 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.3400% | 1,744 |
| Net loans and leases to deposits | 79.9827% | 1,573 |
| Net loans and leases to core deposits | 103.3722% | 677 |
| Total domestic deposits to total assets | 84.1900% | 3,456 |
| Equity capital to assets | 8.9647% | 2,237 |
| Core capital (leverage) ratio | 9.5426% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $289,307,250 | 2,521 |
| Average earning assets | $271,415,750 | 2,506 |
| Average equity | $25,834,250 | 2,582 |
| Average total loans | $200,923,750 | 2,220 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 1,034 |
| Cost of funding earning assets | 0.3179% | 1,548 |
| Net interest margin | 3.6277% | 1,028 |
| Noninterest income to average assets | 0.5116% | 2,135 |
| Noninterest expense to average assets | 2.2610% | 2,666 |
| Loan and lease loss provision to assets | 0.1043% | 958 |
| Net operating income to assets | 1.5034% | 704 |
| Return on assets (ROA) | 1.5034% | 680 |
| Pretax return on assets | 1.5653% | 1,018 |
| Return on Equity (ROE) | 16.8587% | 584 |
| Retained earnings to average equity (ytd only) | 5.8300% | 2,392 |
| Net charge-offs to loans | 0.0020% | 2,034 |
| Credit loss provision to net charge-offs | 7,500.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,201.0000% | 101 |
| Efficiency ratio | 57.5243% | 3,623 |
| Assets per employee ($millions) | 7.2768% | 1,752 |
| Cash dividends to net income (ytd only)* | 65.4184% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,869 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.1134% | 1,387 |
| Net loans and leases to deposits | 81.7632% | 1,263 |
| Net loans and leases to core deposits | 98.5707% | 738 |
| Total domestic deposits to total assets | 84.5287% | 3,581 |
| Equity capital to assets | 9.1041% | 2,311 |
| Core capital (leverage) ratio | 9.3146% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,743,333 | 2,547 |
| Average earning assets | $271,194,667 | 2,532 |
| Average equity | $25,660,333 | 2,643 |
| Average total loans | $200,926,667 | 2,227 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,036 |
| Cost of funding earning assets | 0.3013% | 1,647 |
| Net interest margin | 3.5270% | 1,037 |
| Noninterest income to average assets | 0.8905% | 853 |
| Noninterest expense to average assets | 2.3430% | 2,362 |
| Loan and lease loss provision to assets | 0.0828% | 989 |
| Net operating income to assets | 1.7106% | 403 |
| Return on assets (ROA) | 1.7106% | 406 |
| Pretax return on assets | 1.7783% | 572 |
| Return on Equity (ROE) | 19.3806% | 252 |
| Retained earnings to average equity (ytd only) | 15.0790% | 283 |
| Net charge-offs to loans | 0.0040% | 1,625 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 674.0000% | 145 |
| Efficiency ratio | 55.7307% | 3,904 |
| Assets per employee ($millions) | 7.9746% | 1,390 |
| Cash dividends to net income (ytd only)* | 22.1953% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,819 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.4752% | 1,168 |
| Net loans and leases to deposits | 79.9374% | 1,151 |
| Net loans and leases to core deposits | 100.0519% | 512 |
| Total domestic deposits to total assets | 85.6610% | 3,357 |
| Equity capital to assets | 9.0715% | 2,650 |
| Core capital (leverage) ratio | 9.2535% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,717,000 | 2,551 |
| Average earning assets | $272,187,500 | 2,539 |
| Average equity | $25,572,000 | 2,734 |
| Average total loans | $201,860,000 | 2,217 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 499 |
| Cost of funding earning assets | 0.4680% | 1,074 |
| Net interest margin | 4.1442% | 543 |
| Noninterest income to average assets | 0.1790% | 4,259 |
| Noninterest expense to average assets | 2.5740% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4433% | 1,150 |
| Return on assets (ROA) | 1.4473% | 1,216 |
| Pretax return on assets | 1.5298% | 1,622 |
| Return on Equity (ROE) | 15.3668% | 868 |
| Retained earnings to average equity (ytd only) | 8.6803% | 1,290 |
| Net charge-offs to loans | 0.0615% | 1,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 35.6875% | 1,495 |
| Efficiency ratio | 61.3351% | 2,960 |
| Assets per employee ($millions) | 8.3528% | 1,142 |
| Cash dividends to net income (ytd only)* | 43.5127% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,905 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.9375% | 1,153 |
| Net loans and leases to deposits | 83.7686% | 915 |
| Net loans and leases to core deposits | 110.5026% | 276 |
| Total domestic deposits to total assets | 82.2951% | 3,924 |
| Equity capital to assets | 8.5860% | 3,998 |
| Core capital (leverage) ratio | 9.1759% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,000,400 | 2,650 |
| Average earning assets | $247,865,400 | 2,628 |
| Average equity | $24,676,600 | 2,871 |
| Average total loans | $182,028,600 | 2,372 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 366 |
| Cost of funding earning assets | 0.5124% | 990 |
| Net interest margin | 4.3597% | 396 |
| Noninterest income to average assets | 0.1965% | 4,216 |
| Noninterest expense to average assets | 2.4595% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7978% | 670 |
| Return on assets (ROA) | 1.8033% | 689 |
| Pretax return on assets | 1.8762% | 989 |
| Return on Equity (ROE) | 18.6723% | 551 |
| Retained earnings to average equity (ytd only) | 11.0753% | 1,049 |
| Net charge-offs to loans | 0.0846% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 31.8661% | 1,491 |
| Efficiency ratio | 55.2651% | 3,624 |
| Assets per employee ($millions) | 7.0055% | 1,864 |
| Cash dividends to net income (ytd only)* | 40.6858% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,971 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 67.0779% | 1,419 |
| Net loans and leases to deposits | 82.8782% | 1,037 |
| Net loans and leases to core deposits | 99.4751% | 609 |
| Total domestic deposits to total assets | 80.9355% | 4,105 |
| Equity capital to assets | 9.2056% | 3,652 |
| Core capital (leverage) ratio | 9.9664% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,413,250 | 2,720 |
| Average earning assets | $241,203,000 | 2,693 |
| Average equity | $24,570,500 | 2,908 |
| Average total loans | $176,458,500 | 2,447 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 200 |
| Cost of funding earning assets | 0.5579% | 910 |
| Net interest margin | 4.8215% | 214 |
| Noninterest income to average assets | 0.1427% | 4,487 |
| Noninterest expense to average assets | 2.5042% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1341% | 376 |
| Return on assets (ROA) | 2.1310% | 399 |
| Pretax return on assets | 2.2116% | 565 |
| Return on Equity (ROE) | 21.6926% | 343 |
| Retained earnings to average equity (ytd only) | 12.2575% | 861 |
| Net charge-offs to loans | 0.1293% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 24.5357% | 1,432 |
| Efficiency ratio | 51.3920% | 4,108 |
| Assets per employee ($millions) | 7.0293% | 1,781 |
| Cash dividends to net income (ytd only)* | 43.4947% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,990 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.5797% | 1,016 |
| Net loans and leases to deposits | 87.8120% | 786 |
| Net loans and leases to core deposits | 95.8884% | 815 |
| Total domestic deposits to total assets | 81.5147% | 4,009 |
| Equity capital to assets | 9.8757% | 2,975 |
| Core capital (leverage) ratio | 9.9425% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,146,000 | 2,749 |
| Average earning assets | $235,528,000 | 2,719 |
| Average equity | $24,377,000 | 2,915 |
| Average total loans | $173,265,333 | 2,489 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0460% | 103 |
| Cost of funding earning assets | 0.6175% | 811 |
| Net interest margin | 5.4285% | 113 |
| Noninterest income to average assets | 0.1498% | 4,452 |
| Noninterest expense to average assets | 2.5316% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6537% | 207 |
| Return on assets (ROA) | 2.6537% | 232 |
| Pretax return on assets | 2.7563% | 319 |
| Return on Equity (ROE) | 27.0877% | 204 |
| Retained earnings to average equity (ytd only) | 19.6095% | 285 |
| Net charge-offs to loans | 0.2072% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.4598% | 1,262 |
| Efficiency ratio | 46.0283% | 4,471 |
| Assets per employee ($millions) | 7.0621% | 1,759 |
| Cash dividends to net income (ytd only)* | 27.6074% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,044 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.8412% | 1,312 |
| Net loans and leases to deposits | 88.3383% | 802 |
| Net loans and leases to core deposits | 93.4787% | 1,015 |
| Total domestic deposits to total assets | 79.0610% | 4,325 |
| Equity capital to assets | 9.3847% | 3,299 |
| Core capital (leverage) ratio | 10.2344% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,691,500 | 2,753 |
| Average earning assets | $232,551,500 | 2,725 |
| Average equity | $24,070,000 | 2,924 |
| Average total loans | $167,944,500 | 2,529 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 331 |
| Cost of funding earning assets | 1.1099% | 385 |
| Net interest margin | 4.1061% | 771 |
| Noninterest income to average assets | 0.1440% | 4,575 |
| Noninterest expense to average assets | 2.4282% | 3,060 |
| Loan and lease loss provision to assets | 0.0509% | 3,741 |
| Net operating income to assets | 1.4248% | 964 |
| Return on assets (ROA) | 1.4248% | 1,050 |
| Pretax return on assets | 1.4896% | 1,363 |
| Return on Equity (ROE) | 13.8444% | 851 |
| Retained earnings to average equity (ytd only) | 2.4342% | 3,642 |
| Net charge-offs to loans | -0.0006% | 3,909 |
| Credit loss provision to net charge-offs | -11,700.0000% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5753% | 3,650 |
| Assets per employee ($millions) | 6.5875% | 1,859 |
| Cash dividends to net income (ytd only)* | 82.4176% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 784 |
| Loan loss allowance to noncurrent loans | 203.0282% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 1,605 |
| Noncurrent loans to loans | 0.9130% | 1,541 |
| Net loans and leases to total assets | 64.3688% | 2,316 |
| Net loans and leases to deposits | 80.5575% | 1,808 |
| Net loans and leases to core deposits | 85.9535% | 1,874 |
| Total domestic deposits to total assets | 79.9042% | 4,057 |
| Equity capital to assets | 10.2387% | 2,890 |
| Core capital (leverage) ratio | 10.0214% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,922,600 | 2,716 |
| Average earning assets | $214,171,200 | 2,716 |
| Average equity | $23,663,000 | 2,894 |
| Average total loans | $174,360,400 | 2,449 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 232 |
| Cost of funding earning assets | 1.2072% | 361 |
| Net interest margin | 4.2899% | 597 |
| Noninterest income to average assets | 0.1450% | 4,580 |
| Noninterest expense to average assets | 2.4011% | 3,127 |
| Loan and lease loss provision to assets | 0.0679% | 3,479 |
| Net operating income to assets | 1.5933% | 739 |
| Return on assets (ROA) | 1.5933% | 811 |
| Pretax return on assets | 1.6535% | 1,060 |
| Return on Equity (ROE) | 15.4607% | 616 |
| Retained earnings to average equity (ytd only) | 2.6997% | 3,652 |
| Net charge-offs to loans | -0.0030% | 3,943 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7068% | 3,955 |
| Assets per employee ($millions) | 6.5396% | 1,800 |
| Cash dividends to net income (ytd only)* | 82.5385% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 906 |
| Loan loss allowance to noncurrent loans | 107.8102% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 801 |
| Noncurrent loans to loans | 1.5711% | 902 |
| Net loans and leases to total assets | 73.1539% | 1,482 |
| Net loans and leases to deposits | 91.1868% | 1,138 |
| Net loans and leases to core deposits | 98.4576% | 1,276 |
| Total domestic deposits to total assets | 80.2242% | 3,818 |
| Equity capital to assets | 10.5878% | 2,714 |
| Core capital (leverage) ratio | 10.2630% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,116,000 | 2,714 |
| Average earning assets | $211,500,750 | 2,714 |
| Average equity | $23,508,500 | 2,902 |
| Average total loans | $179,067,250 | 2,417 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7908% | 192 |
| Cost of funding earning assets | 1.2867% | 383 |
| Net interest margin | 4.5040% | 497 |
| Noninterest income to average assets | 0.1343% | 4,631 |
| Noninterest expense to average assets | 2.3743% | 3,328 |
| Loan and lease loss provision to assets | 0.0878% | 3,183 |
| Net operating income to assets | 1.7572% | 551 |
| Return on assets (ROA) | 1.7572% | 600 |
| Pretax return on assets | 1.8231% | 777 |
| Return on Equity (ROE) | 16.8353% | 469 |
| Retained earnings to average equity (ytd only) | -2.0855% | 4,597 |
| Net charge-offs to loans | -0.0044% | 3,982 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9701% | 4,279 |
| Assets per employee ($millions) | 6.7701% | 1,580 |
| Cash dividends to net income (ytd only)* | 112.3876% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,037 |
| Loan loss allowance to noncurrent loans | 106.7734% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 885 |
| Noncurrent loans to loans | 1.4858% | 1,021 |
| Net loans and leases to total assets | 77.3176% | 950 |
| Net loans and leases to deposits | 96.1294% | 788 |
| Net loans and leases to core deposits | 107.9783% | 820 |
| Total domestic deposits to total assets | 80.4308% | 3,746 |
| Equity capital to assets | 10.2201% | 2,988 |
| Core capital (leverage) ratio | 9.6265% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,859,333 | 2,695 |
| Average earning assets | $209,990,000 | 2,713 |
| Average equity | $23,783,333 | 2,870 |
| Average total loans | $181,981,667 | 2,386 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9258% | 176 |
| Cost of funding earning assets | 1.3857% | 422 |
| Net interest margin | 4.5402% | 456 |
| Noninterest income to average assets | 0.1429% | 4,651 |
| Noninterest expense to average assets | 2.3538% | 3,640 |
| Loan and lease loss provision to assets | 0.0882% | 2,583 |
| Net operating income to assets | 1.7733% | 435 |
| Return on assets (ROA) | 1.7733% | 482 |
| Pretax return on assets | 1.8403% | 643 |
| Return on Equity (ROE) | 16.8113% | 354 |
| Retained earnings to average equity (ytd only) | 12.6294% | 359 |
| Net charge-offs to loans | -0.0066% | 3,938 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4928% | 4,516 |
| Assets per employee ($millions) | 7.5477% | 880 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,234 |
| Loan loss allowance to noncurrent loans | 212.0391% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 2,143 |
| Noncurrent loans to loans | 0.7236% | 2,190 |
| Net loans and leases to total assets | 77.2957% | 1,085 |
| Net loans and leases to deposits | 94.6592% | 1,020 |
| Net loans and leases to core deposits | 114.1077% | 660 |
| Total domestic deposits to total assets | 81.6568% | 3,509 |
| Equity capital to assets | 10.4155% | 3,392 |
| Core capital (leverage) ratio | 10.6010% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4107% | 2,527 |
| Memoranda: | ||
| Average total assets | $226,697,500 | 2,657 |
| Average earning assets | $206,688,000 | 2,690 |
| Average equity | $23,912,500 | 2,858 |
| Average total loans | $182,552,000 | 2,334 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 369 |
| Cost of funding earning assets | 1.4894% | 411 |
| Net interest margin | 4.2492% | 1,207 |
| Noninterest income to average assets | 0.1901% | 4,528 |
| Noninterest expense to average assets | 2.1619% | 4,239 |
| Loan and lease loss provision to assets | 0.1302% | 1,647 |
| Net operating income to assets | 1.8312% | 496 |
| Return on assets (ROA) | 1.8312% | 518 |
| Pretax return on assets | 1.9163% | 719 |
| Return on Equity (ROE) | 19.2309% | 254 |
| Retained earnings to average equity (ytd only) | 11.8695% | 251 |
| Net charge-offs to loans | -0.1798% | 5,047 |
| Credit loss provision to net charge-offs | -87.2093% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9068% | 4,790 |
| Assets per employee ($millions) | 7.0780% | 1,013 |
| Cash dividends to net income (ytd only)* | 38.2792% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 1,157 |
| Loan loss allowance to noncurrent loans | 242.9701% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 2,161 |
| Noncurrent loans to loans | 0.6272% | 2,319 |
| Net loans and leases to total assets | 81.4276% | 630 |
| Net loans and leases to deposits | 96.4787% | 891 |
| Net loans and leases to core deposits | 115.6205% | 618 |
| Total domestic deposits to total assets | 84.3996% | 2,720 |
| Equity capital to assets | 10.6897% | 3,266 |
| Core capital (leverage) ratio | 10.3103% | 3,179 |
| Tier 1 risk-based capital ratio | 12.0932% | 4,310 |
| Total risk-based capital ratio | 13.3457% | 4,192 |
| Memoranda: | ||
| Average total assets | $230,397,400 | 2,574 |
| Average earning assets | $217,878,600 | 2,546 |
| Average equity | $21,938,600 | 2,967 |
| Average total loans | $191,276,400 | 2,224 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8043% | 347 |
| Cost of funding earning assets | 1.5268% | 380 |
| Net interest margin | 4.2775% | 1,211 |
| Noninterest income to average assets | 0.1767% | 4,662 |
| Noninterest expense to average assets | 2.0651% | 4,422 |
| Loan and lease loss provision to assets | 0.1716% | 1,076 |
| Net operating income to assets | 1.9147% | 476 |
| Return on assets (ROA) | 1.9147% | 497 |
| Pretax return on assets | 1.9873% | 707 |
| Return on Equity (ROE) | 20.7050% | 215 |
| Retained earnings to average equity (ytd only) | 12.2634% | 352 |
| Net charge-offs to loans | -0.2278% | 5,129 |
| Credit loss provision to net charge-offs | -90.6344% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4663% | 4,915 |
| Assets per employee ($millions) | 8.5176% | 567 |
| Cash dividends to net income (ytd only)* | 40.7705% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,237 |
| Loan loss allowance to noncurrent loans | 388.1523% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 2,651 |
| Noncurrent loans to loans | 0.3875% | 3,158 |
| Net loans and leases to total assets | 78.3685% | 1,083 |
| Net loans and leases to deposits | 92.0978% | 1,426 |
| Net loans and leases to core deposits | 112.9949% | 797 |
| Total domestic deposits to total assets | 85.0927% | 2,393 |
| Equity capital to assets | 9.9402% | 4,082 |
| Core capital (leverage) ratio | 9.6096% | 4,058 |
| Tier 1 risk-based capital ratio | 11.6090% | 4,621 |
| Total risk-based capital ratio | 12.8613% | 4,513 |
| Memoranda: | ||
| Average total assets | $233,142,500 | 2,582 |
| Average earning assets | $220,588,750 | 2,554 |
| Average equity | $21,559,500 | 3,019 |
| Average total loans | $193,737,750 | 2,228 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8187% | 329 |
| Cost of funding earning assets | 1.5071% | 373 |
| Net interest margin | 4.3115% | 1,117 |
| Noninterest income to average assets | 0.1742% | 4,704 |
| Noninterest expense to average assets | 2.1247% | 4,368 |
| Loan and lease loss provision to assets | 0.1708% | 1,068 |
| Net operating income to assets | 1.8958% | 488 |
| Return on assets (ROA) | 1.8958% | 508 |
| Pretax return on assets | 1.9659% | 726 |
| Return on Equity (ROE) | 21.0168% | 203 |
| Retained earnings to average equity (ytd only) | 10.4610% | 644 |
| Net charge-offs to loans | -0.3416% | 5,197 |
| Credit loss provision to net charge-offs | -59.3472% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4749% | 4,922 |
| Assets per employee ($millions) | 8.6911% | 526 |
| Cash dividends to net income (ytd only)* | 50.2252% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,840 |
| Loan loss allowance to noncurrent loans | 1,176.1062% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 3,613 |
| Noncurrent loans to loans | 0.1142% | 4,159 |
| Net loans and leases to total assets | 83.2289% | 443 |
| Net loans and leases to deposits | 97.7199% | 876 |
| Net loans and leases to core deposits | 140.0026% | 195 |
| Total domestic deposits to total assets | 85.1709% | 2,406 |
| Equity capital to assets | 9.3241% | 4,554 |
| Core capital (leverage) ratio | 8.9265% | 4,694 |
| Tier 1 risk-based capital ratio | 10.4627% | 5,117 |
| Total risk-based capital ratio | 11.7130% | 5,038 |
| Memoranda: | ||
| Average total assets | $234,198,330 | 2,584 |
| Average earning assets | $222,010,000 | 2,554 |
| Average equity | $21,126,000 | 3,050 |
| Average total loans | $197,323,670 | 2,211 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6306% | 406 |
| Cost of funding earning assets | 1.4027% | 458 |
| Net interest margin | 4.2279% | 1,242 |
| Noninterest income to average assets | 0.1658% | 4,745 |
| Noninterest expense to average assets | 2.0704% | 4,513 |
| Loan and lease loss provision to assets | 0.1710% | 978 |
| Net operating income to assets | 1.8652% | 493 |
| Return on assets (ROA) | 1.8652% | 509 |
| Pretax return on assets | 1.9336% | 738 |
| Return on Equity (ROE) | 21.0323% | 211 |
| Retained earnings to average equity (ytd only) | 15.7309% | 236 |
| Net charge-offs to loans | -0.5909% | 5,283 |
| Credit loss provision to net charge-offs | -34.3643% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1744% | 4,974 |
| Assets per employee ($millions) | 7.8484% | 706 |
| Cash dividends to net income (ytd only)* | 25.2062% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,240 |
| Loan loss allowance to noncurrent loans | 1,017.0040% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,042 |
| Noncurrent loans to loans | 0.1246% | 4,179 |
| Net loans and leases to total assets | 83.1053% | 457 |
| Net loans and leases to deposits | 101.4644% | 529 |
| Net loans and leases to core deposits | 135.2959% | 240 |
| Total domestic deposits to total assets | 81.9059% | 3,749 |
| Equity capital to assets | 9.0626% | 4,637 |
| Core capital (leverage) ratio | 9.0638% | 4,606 |
| Tier 1 risk-based capital ratio | 10.2332% | 5,236 |
| Total risk-based capital ratio | 11.4627% | 5,185 |
| Memoranda: | ||
| Average total assets | $233,967,500 | 2,610 |
| Average earning assets | $221,859,000 | 2,574 |
| Average equity | $20,749,000 | 3,089 |
| Average total loans | $197,004,000 | 2,227 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 625 |
| Cost of funding earning assets | 0.9600% | 886 |
| Net interest margin | 4.3015% | 1,154 |
| Noninterest income to average assets | 0.2162% | 4,617 |
| Noninterest expense to average assets | 2.3028% | 4,113 |
| Loan and lease loss provision to assets | 0.2792% | 598 |
| Net operating income to assets | 1.6322% | 807 |
| Return on assets (ROA) | 1.6322% | 800 |
| Pretax return on assets | 1.7100% | 1,144 |
| Return on Equity (ROE) | 17.9852% | 389 |
| Retained earnings to average equity (ytd only) | 10.9331% | 454 |
| Net charge-offs to loans | 0.1892% | 1,012 |
| Credit loss provision to net charge-offs | 175.6757% | 1,602 |
| Earnings coverage of net charge-offs (x) | 12.5165% | 2,524 |
| Efficiency ratio | 51.0063% | 4,875 |
| Assets per employee ($millions) | 8.3030% | 598 |
| Cash dividends to net income (ytd only)* | 39.2105% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 4,107 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 83.3188% | 483 |
| Net loans and leases to deposits | 101.4189% | 632 |
| Net loans and leases to core deposits | 135.4834% | 243 |
| Total domestic deposits to total assets | 82.1531% | 3,604 |
| Equity capital to assets | 8.6716% | 4,827 |
| Core capital (leverage) ratio | 9.0438% | 4,611 |
| Tier 1 risk-based capital ratio | 9.9103% | 5,331 |
| Total risk-based capital ratio | 10.9597% | 5,323 |
| Memoranda: | ||
| Average total assets | $209,527,000 | 2,770 |
| Average earning assets | $198,533,400 | 2,733 |
| Average equity | $19,015,600 | 3,182 |
| Average total loans | $176,048,400 | 2,363 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 632 |
| Cost of funding earning assets | 0.8283% | 1,201 |
| Net interest margin | 4.3688% | 969 |
| Noninterest income to average assets | 0.2159% | 4,678 |
| Noninterest expense to average assets | 2.2415% | 4,231 |
| Loan and lease loss provision to assets | 0.2650% | 579 |
| Net operating income to assets | 1.7835% | 616 |
| Return on assets (ROA) | 1.7835% | 619 |
| Pretax return on assets | 1.8502% | 906 |
| Return on Equity (ROE) | 19.4056% | 307 |
| Retained earnings to average equity (ytd only) | 11.4469% | 561 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7611% | 5,016 |
| Assets per employee ($millions) | 7.4921% | 778 |
| Cash dividends to net income (ytd only)* | 41.0124% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,384 |
| Loan loss allowance to noncurrent loans | 1,033.6364% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 3,881 |
| Noncurrent loans to loans | 0.1205% | 4,349 |
| Net loans and leases to total assets | 82.9674% | 568 |
| Net loans and leases to deposits | 107.3409% | 382 |
| Net loans and leases to core deposits | 151.0343% | 127 |
| Total domestic deposits to total assets | 77.2933% | 4,598 |
| Equity capital to assets | 8.9566% | 4,591 |
| Core capital (leverage) ratio | 9.3290% | 4,366 |
| Tier 1 risk-based capital ratio | 10.3881% | 5,275 |
| Total risk-based capital ratio | 11.5995% | 5,202 |
| Memoranda: | ||
| Average total assets | $203,788,000 | 2,845 |
| Average earning assets | $193,154,750 | 2,805 |
| Average equity | $18,729,500 | 3,230 |
| Average total loans | $171,104,750 | 2,443 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 673 |
| Cost of funding earning assets | 0.7357% | 1,442 |
| Net interest margin | 4.3570% | 929 |
| Noninterest income to average assets | 0.2188% | 4,707 |
| Noninterest expense to average assets | 2.2720% | 4,208 |
| Loan and lease loss provision to assets | 0.2258% | 720 |
| Net operating income to assets | 1.7853% | 600 |
| Return on assets (ROA) | 1.7853% | 603 |
| Pretax return on assets | 1.8515% | 874 |
| Return on Equity (ROE) | 19.2470% | 314 |
| Retained earnings to average equity (ytd only) | 9.5640% | 1,049 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4924% | 5,050 |
| Assets per employee ($millions) | 6.9411% | 953 |
| Cash dividends to net income (ytd only)* | 50.3092% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,746 |
| Loan loss allowance to noncurrent loans | 353.1197% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 3,575 |
| Noncurrent loans to loans | 0.3387% | 3,485 |
| Net loans and leases to total assets | 83.0799% | 569 |
| Net loans and leases to deposits | 101.8744% | 675 |
| Net loans and leases to core deposits | 136.8901% | 226 |
| Total domestic deposits to total assets | 81.5513% | 3,854 |
| Equity capital to assets | 9.0697% | 4,505 |
| Core capital (leverage) ratio | 9.4224% | 4,216 |
| Tier 1 risk-based capital ratio | 10.4807% | 5,276 |
| Total risk-based capital ratio | 11.6532% | 5,218 |
| Memoranda: | ||
| Average total assets | $199,293,670 | 2,902 |
| Average earning assets | $188,936,000 | 2,864 |
| Average equity | $18,486,000 | 3,278 |
| Average total loans | $167,293,670 | 2,485 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 792 |
| Cost of funding earning assets | 0.6698% | 1,604 |
| Net interest margin | 4.2744% | 994 |
| Noninterest income to average assets | 0.2382% | 4,573 |
| Noninterest expense to average assets | 2.3857% | 3,985 |
| Loan and lease loss provision to assets | 0.2320% | 668 |
| Net operating income to assets | 1.6097% | 841 |
| Return on assets (ROA) | 1.6097% | 843 |
| Pretax return on assets | 1.6692% | 1,193 |
| Return on Equity (ROE) | 17.1497% | 494 |
| Retained earnings to average equity (ytd only) | 12.8842% | 537 |
| Net charge-offs to loans | -0.0049% | 4,007 |
| Credit loss provision to net charge-offs | -5,650.0000% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7778% | 4,901 |
| Assets per employee ($millions) | 7.1913% | 890 |
| Cash dividends to net income (ytd only)* | 24.8724% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,771 |
| Loan loss allowance to noncurrent loans | 840.6780% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 4,422 |
| Noncurrent loans to loans | 0.1435% | 4,322 |
| Net loans and leases to total assets | 83.6818% | 472 |
| Net loans and leases to deposits | 97.3856% | 914 |
| Net loans and leases to core deposits | 126.9226% | 399 |
| Total domestic deposits to total assets | 85.9284% | 2,574 |
| Equity capital to assets | 9.5697% | 4,024 |
| Core capital (leverage) ratio | 9.5496% | 4,012 |
| Tier 1 risk-based capital ratio | 10.9285% | 5,169 |
| Total risk-based capital ratio | 12.1093% | 5,109 |
| Memoranda: | ||
| Average total assets | $194,824,500 | 2,985 |
| Average earning assets | $184,542,500 | 2,945 |
| Average equity | $18,286,000 | 3,327 |
| Average total loans | $163,394,000 | 2,538 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,394 |
| Cost of funding earning assets | 0.5342% | 2,075 |
| Net interest margin | 4.0785% | 1,512 |
| Noninterest income to average assets | 0.2329% | 4,740 |
| Noninterest expense to average assets | 2.5244% | 3,701 |
| Loan and lease loss provision to assets | 0.2766% | 645 |
| Net operating income to assets | 1.2384% | 1,399 |
| Return on assets (ROA) | 1.2315% | 1,438 |
| Pretax return on assets | 1.2852% | 2,409 |
| Return on Equity (ROE) | 14.3528% | 710 |
| Retained earnings to average equity (ytd only) | 3.1336% | 3,420 |
| Net charge-offs to loans | 0.1136% | 1,918 |
| Credit loss provision to net charge-offs | 314.4654% | 912 |
| Earnings coverage of net charge-offs (x) | 17.8365% | 2,108 |
| Efficiency ratio | 58.4538% | 4,473 |
| Assets per employee ($millions) | 6.7409% | 1,085 |
| Cash dividends to net income (ytd only)* | 78.1671% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,050 |
| Loan loss allowance to noncurrent loans | 1,597.4359% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 4,704 |
| Noncurrent loans to loans | 0.0721% | 4,676 |
| Net loans and leases to total assets | 82.0805% | 673 |
| Net loans and leases to deposits | 103.5140% | 515 |
| Net loans and leases to core deposits | 128.0597% | 383 |
| Total domestic deposits to total assets | 79.2941% | 4,481 |
| Equity capital to assets | 9.2033% | 4,523 |
| Core capital (leverage) ratio | 9.2589% | 4,336 |
| Tier 1 risk-based capital ratio | 10.4905% | 5,370 |
| Total risk-based capital ratio | 11.6065% | 5,341 |
| Memoranda: | ||
| Average total assets | $180,755,200 | 3,104 |
| Average earning assets | $171,094,200 | 3,056 |
| Average equity | $15,509,200 | 3,655 |
| Average total loans | $139,904,000 | 2,783 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 1,669 |
| Cost of funding earning assets | 0.5155% | 2,147 |
| Net interest margin | 3.9762% | 1,787 |
| Noninterest income to average assets | 0.2410% | 4,760 |
| Noninterest expense to average assets | 2.4788% | 3,803 |
| Loan and lease loss provision to assets | 0.2259% | 818 |
| Net operating income to assets | 1.2571% | 1,482 |
| Return on assets (ROA) | 1.2657% | 1,478 |
| Pretax return on assets | 1.3147% | 2,419 |
| Return on Equity (ROE) | 15.0535% | 644 |
| Retained earnings to average equity (ytd only) | 4.7551% | 3,046 |
| Net charge-offs to loans | 0.1261% | 1,523 |
| Credit loss provision to net charge-offs | 236.2205% | 1,179 |
| Earnings coverage of net charge-offs (x) | 16.0156% | 2,194 |
| Efficiency ratio | 58.4491% | 4,444 |
| Assets per employee ($millions) | 6.2194% | 1,364 |
| Cash dividends to net income (ytd only)* | 68.4118% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,315 |
| Loan loss allowance to noncurrent loans | 5,487.0968% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 5,039 |
| Noncurrent loans to loans | 0.0206% | 5,037 |
| Net loans and leases to total assets | 79.7820% | 1,016 |
| Net loans and leases to deposits | 99.2870% | 795 |
| Net loans and leases to core deposits | 121.1587% | 550 |
| Total domestic deposits to total assets | 80.3549% | 4,238 |
| Equity capital to assets | 9.7432% | 4,203 |
| Core capital (leverage) ratio | 9.5476% | 4,098 |
| Tier 1 risk-based capital ratio | 11.2941% | 5,079 |
| Total risk-based capital ratio | 12.3879% | 5,061 |
| Memoranda: | ||
| Average total assets | $177,072,750 | 3,184 |
| Average earning assets | $167,861,750 | 3,131 |
| Average equity | $14,888,750 | 3,767 |
| Average total loans | $134,299,000 | 2,874 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 1,930 |
| Cost of funding earning assets | 0.4702% | 2,411 |
| Net interest margin | 3.8939% | 1,952 |
| Noninterest income to average assets | 0.2450% | 4,773 |
| Noninterest expense to average assets | 2.4404% | 3,943 |
| Loan and lease loss provision to assets | 0.3450% | 423 |
| Net operating income to assets | 1.1018% | 1,965 |
| Return on assets (ROA) | 1.1018% | 2,014 |
| Pretax return on assets | 1.1455% | 2,995 |
| Return on Equity (ROE) | 13.8921% | 827 |
| Retained earnings to average equity (ytd only) | -2.7842% | 5,410 |
| Net charge-offs to loans | 0.1971% | 1,022 |
| Credit loss provision to net charge-offs | 236.2205% | 1,124 |
| Earnings coverage of net charge-offs (x) | 10.2047% | 2,360 |
| Efficiency ratio | 58.6015% | 4,517 |
| Assets per employee ($millions) | 6.2082% | 1,316 |
| Cash dividends to net income (ytd only)* | 120.0418% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,249 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.2938% | 1,987 |
| Net loans and leases to deposits | 98.3501% | 861 |
| Net loans and leases to core deposits | 116.9727% | 683 |
| Total domestic deposits to total assets | 74.5233% | 5,246 |
| Equity capital to assets | 7.3903% | 5,672 |
| Core capital (leverage) ratio | 7.3206% | 5,677 |
| Tier 1 risk-based capital ratio | 9.0226% | 5,738 |
| Total risk-based capital ratio | 10.1948% | 5,740 |
| Memoranda: | ||
| Average total assets | $173,903,330 | 3,241 |
| Average earning assets | $164,615,330 | 3,181 |
| Average equity | $13,792,000 | 3,921 |
| Average total loans | $128,879,000 | 2,962 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,014 |
| Cost of funding earning assets | 0.4083% | 2,917 |
| Net interest margin | 3.8712% | 1,882 |
| Noninterest income to average assets | 0.2337% | 4,870 |
| Noninterest expense to average assets | 2.4158% | 4,077 |
| Loan and lease loss provision to assets | 0.3577% | 328 |
| Net operating income to assets | 1.0827% | 1,939 |
| Return on assets (ROA) | 1.0827% | 1,981 |
| Pretax return on assets | 1.1232% | 2,894 |
| Return on Equity (ROE) | 13.1537% | 968 |
| Retained earnings to average equity (ytd only) | 13.1537% | 365 |
| Net charge-offs to loans | -0.0064% | 4,259 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3231% | 4,680 |
| Assets per employee ($millions) | 5.8967% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,386 |
| Loan loss allowance to noncurrent loans | 1,076.9231% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 4,853 |
| Noncurrent loans to loans | 0.1236% | 4,692 |
| Net loans and leases to total assets | 72.8234% | 1,942 |
| Net loans and leases to deposits | 95.0430% | 1,008 |
| Net loans and leases to core deposits | 113.8528% | 682 |
| Total domestic deposits to total assets | 76.6216% | 5,159 |
| Equity capital to assets | 8.2513% | 5,384 |
| Core capital (leverage) ratio | 8.3292% | 5,361 |
| Tier 1 risk-based capital ratio | 10.2310% | 5,641 |
| Total risk-based capital ratio | 11.4811% | 5,583 |
| Memoranda: | ||
| Average total assets | $167,732,500 | 3,334 |
| Average earning assets | $158,711,500 | 3,288 |
| Average equity | $13,806,000 | 3,946 |
| Average total loans | $124,215,000 | 3,050 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,422 |
| Cost of funding earning assets | 0.3455% | 3,574 |
| Net interest margin | 3.8740% | 2,051 |
| Noninterest income to average assets | 0.2211% | 5,087 |
| Noninterest expense to average assets | 2.7079% | 3,322 |
| Loan and lease loss provision to assets | 0.1127% | 2,182 |
| Net operating income to assets | 1.0022% | 2,347 |
| Return on assets (ROA) | 1.0022% | 2,448 |
| Pretax return on assets | 1.0385% | 3,334 |
| Return on Equity (ROE) | 11.8320% | 1,297 |
| Retained earnings to average equity (ytd only) | 6.1009% | 1,654 |
| Net charge-offs to loans | 0.0208% | 3,631 |
| Credit loss provision to net charge-offs | 720.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 73.5200% | 762 |
| Efficiency ratio | 66.3042% | 3,543 |
| Assets per employee ($millions) | 5.6711% | 1,718 |
| Cash dividends to net income (ytd only)* | 48.4375% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,819 |
| Loan loss allowance to noncurrent loans | 979.4872% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,881 |
| Noncurrent loans to loans | 0.1276% | 4,725 |
| Net loans and leases to total assets | 73.3858% | 1,946 |
| Net loans and leases to deposits | 95.5582% | 1,036 |
| Net loans and leases to core deposits | 111.2400% | 816 |
| Total domestic deposits to total assets | 76.7969% | 5,147 |
| Equity capital to assets | 8.2098% | 5,465 |
| Core capital (leverage) ratio | 8.3149% | 5,427 |
| Tier 1 risk-based capital ratio | 10.4147% | 5,610 |
| Total risk-based capital ratio | 11.6011% | 5,579 |
| Memoranda: | ||
| Average total assets | $159,646,400 | 3,399 |
| Average earning assets | $149,923,400 | 3,370 |
| Average equity | $13,522,600 | 4,020 |
| Average total loans | $120,144,800 | 3,066 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,624 |
| Cost of funding earning assets | 0.3444% | 3,606 |
| Net interest margin | 3.8215% | 2,256 |
| Noninterest income to average assets | 0.2087% | 5,219 |
| Noninterest expense to average assets | 2.6448% | 3,516 |
| Loan and lease loss provision to assets | 0.0757% | 2,709 |
| Net operating income to assets | 1.0359% | 2,263 |
| Return on assets (ROA) | 1.0359% | 2,384 |
| Pretax return on assets | 1.0738% | 3,338 |
| Return on Equity (ROE) | 12.1328% | 1,279 |
| Retained earnings to average equity (ytd only) | 4.4943% | 3,140 |
| Net charge-offs to loans | 0.0111% | 3,541 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 136.6309% | 505 |
| Efficiency ratio | 65.7352% | 3,637 |
| Assets per employee ($millions) | 5.5981% | 1,760 |
| Cash dividends to net income (ytd only)* | 62.9572% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,173 |
| Loan loss allowance to noncurrent loans | 393.7669% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 4,468 |
| Noncurrent loans to loans | 0.3073% | 4,150 |
| Net loans and leases to total assets | 73.0736% | 2,010 |
| Net loans and leases to deposits | 93.8426% | 1,272 |
| Net loans and leases to core deposits | 109.4583% | 957 |
| Total domestic deposits to total assets | 77.8683% | 4,935 |
| Equity capital to assets | 8.4948% | 5,534 |
| Core capital (leverage) ratio | 8.1181% | 5,631 |
| Tier 1 risk-based capital ratio | 10.2633% | 5,711 |
| Total risk-based capital ratio | 11.4097% | 5,690 |
| Memoranda: | ||
| Average total assets | $158,442,750 | 3,424 |
| Average earning assets | $148,665,250 | 3,401 |
| Average equity | $13,527,750 | 4,054 |
| Average total loans | $119,626,250 | 3,084 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 2,655 |
| Cost of funding earning assets | 0.3429% | 3,643 |
| Net interest margin | 3.8126% | 2,260 |
| Noninterest income to average assets | 0.1489% | 5,557 |
| Noninterest expense to average assets | 2.6651% | 3,501 |
| Loan and lease loss provision to assets | 0.0764% | 2,609 |
| Net operating income to assets | 0.9418% | 2,664 |
| Return on assets (ROA) | 0.9418% | 2,807 |
| Pretax return on assets | 0.9736% | 3,685 |
| Return on Equity (ROE) | 11.0119% | 1,640 |
| Retained earnings to average equity (ytd only) | -0.5208% | 5,369 |
| Net charge-offs to loans | 0.0167% | 3,180 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 689 |
| Efficiency ratio | 67.6602% | 3,410 |
| Assets per employee ($millions) | 5.5086% | 1,795 |
| Cash dividends to net income (ytd only)* | 104.7297% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 3,248 |
| Loan loss allowance to noncurrent loans | 981.3793% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 5,086 |
| Noncurrent loans to loans | 0.1243% | 4,943 |
| Net loans and leases to total assets | 72.1214% | 2,144 |
| Net loans and leases to deposits | 89.9920% | 1,761 |
| Net loans and leases to core deposits | 104.6696% | 1,271 |
| Total domestic deposits to total assets | 80.1421% | 4,507 |
| Equity capital to assets | 8.3831% | 5,659 |
| Core capital (leverage) ratio | 7.8985% | 5,780 |
| Tier 1 risk-based capital ratio | 10.0995% | 5,819 |
| Total risk-based capital ratio | 11.2510% | 5,801 |
| Memoranda: | ||
| Average total assets | $157,141,670 | 3,459 |
| Average earning assets | $146,986,670 | 3,446 |
| Average equity | $13,440,000 | 4,085 |
| Average total loans | $119,473,330 | 3,083 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 2,765 |
| Cost of funding earning assets | 0.3447% | 3,662 |
| Net interest margin | 3.7777% | 2,380 |
| Noninterest income to average assets | 0.2361% | 5,052 |
| Noninterest expense to average assets | 2.7002% | 3,413 |
| Loan and lease loss provision to assets | 0.0770% | 2,421 |
| Net operating income to assets | 0.9446% | 2,537 |
| Return on assets (ROA) | 0.9446% | 2,651 |
| Pretax return on assets | 0.9754% | 3,566 |
| Return on Equity (ROE) | 10.9329% | 1,618 |
| Retained earnings to average equity (ytd only) | 10.9329% | 662 |
| Net charge-offs to loans | -0.0165% | 4,773 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8523% | 3,484 |
| Assets per employee ($millions) | 5.2955% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,620 |
| Loan loss allowance to noncurrent loans | 818.6047% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 4,456 |
| Noncurrent loans to loans | 0.1439% | 4,902 |
| Net loans and leases to total assets | 74.3718% | 1,672 |
| Net loans and leases to deposits | 96.1210% | 931 |
| Net loans and leases to core deposits | 108.9141% | 918 |
| Total domestic deposits to total assets | 77.3731% | 5,238 |
| Equity capital to assets | 8.6137% | 5,479 |
| Core capital (leverage) ratio | 8.2503% | 5,609 |
| Tier 1 risk-based capital ratio | 10.2280% | 5,854 |
| Total risk-based capital ratio | 11.3489% | 5,824 |
| Memoranda: | ||
| Average total assets | $155,837,500 | 3,495 |
| Average earning assets | $145,063,500 | 3,487 |
| Average equity | $13,464,000 | 4,093 |
| Average total loans | $120,891,500 | 3,071 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 1,956 |
| Cost of funding earning assets | 0.3189% | 4,047 |
| Net interest margin | 4.0650% | 1,502 |
| Noninterest income to average assets | 0.3528% | 4,382 |
| Noninterest expense to average assets | 3.1562% | 2,073 |
| Loan and lease loss provision to assets | 0.1634% | 1,407 |
| Net operating income to assets | 0.7390% | 3,625 |
| Return on assets (ROA) | 0.7691% | 3,554 |
| Pretax return on assets | 0.8019% | 4,177 |
| Return on Equity (ROE) | 7.7861% | 3,083 |
| Retained earnings to average equity (ytd only) | -0.3172% | 5,560 |
| Net charge-offs to loans | -0.0035% | 4,928 |
| Credit loss provision to net charge-offs | -5,475.0000% | 5,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8251% | 2,768 |
| Assets per employee ($millions) | 5.0937% | 2,256 |
| Cash dividends to net income (ytd only)* | 104.0737% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,909 |
| Loan loss allowance to noncurrent loans | 5,085.1852% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 4,836 |
| Noncurrent loans to loans | 0.0221% | 5,428 |
| Net loans and leases to total assets | 79.0859% | 972 |
| Net loans and leases to deposits | 97.2472% | 887 |
| Net loans and leases to core deposits | 110.7018% | 822 |
| Total domestic deposits to total assets | 81.3246% | 4,393 |
| Equity capital to assets | 8.6669% | 5,412 |
| Core capital (leverage) ratio | 8.7544% | 5,158 |
| Tier 1 risk-based capital ratio | 9.8799% | 5,975 |
| Total risk-based capital ratio | 10.9468% | 5,998 |
| Memoranda: | ||
| Average total assets | $134,051,600 | 3,815 |
| Average earning assets | $123,247,800 | 3,812 |
| Average equity | $13,241,600 | 4,089 |
| Average total loans | $115,133,200 | 3,118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 1,687 |
| Cost of funding earning assets | 0.3203% | 4,100 |
| Net interest margin | 4.1504% | 1,279 |
| Noninterest income to average assets | 0.3597% | 4,363 |
| Noninterest expense to average assets | 3.2291% | 1,888 |
| Loan and lease loss provision to assets | 0.1948% | 1,039 |
| Net operating income to assets | 0.7088% | 3,867 |
| Return on assets (ROA) | 0.7503% | 3,774 |
| Pretax return on assets | 0.7854% | 4,381 |
| Return on Equity (ROE) | 7.3306% | 3,448 |
| Retained earnings to average equity (ytd only) | -0.7250% | 5,726 |
| Net charge-offs to loans | -0.0035% | 4,770 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0826% | 2,703 |
| Assets per employee ($millions) | 4.7075% | 2,690 |
| Cash dividends to net income (ytd only)* | 109.8904% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,963 |
| Loan loss allowance to noncurrent loans | 4,970.3704% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 4,922 |
| Noncurrent loans to loans | 0.0230% | 5,542 |
| Net loans and leases to total assets | 84.8554% | 316 |
| Net loans and leases to deposits | 103.7602% | 456 |
| Net loans and leases to core deposits | 114.0548% | 667 |
| Total domestic deposits to total assets | 81.7803% | 4,232 |
| Equity capital to assets | 9.7014% | 4,517 |
| Core capital (leverage) ratio | 9.9732% | 3,670 |
| Tier 1 risk-based capital ratio | 10.4220% | 5,906 |
| Total risk-based capital ratio | 11.5267% | 5,898 |
| Memoranda: | ||
| Average total assets | $129,361,750 | 3,938 |
| Average earning assets | $118,635,500 | 3,942 |
| Average equity | $13,241,000 | 4,132 |
| Average total loans | $113,360,250 | 3,175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,589 |
| Cost of funding earning assets | 0.3175% | 4,192 |
| Net interest margin | 4.1651% | 1,188 |
| Noninterest income to average assets | 0.3875% | 4,171 |
| Noninterest expense to average assets | 3.2998% | 1,710 |
| Loan and lease loss provision to assets | 0.1985% | 991 |
| Net operating income to assets | 0.7010% | 3,888 |
| Return on assets (ROA) | 0.7403% | 3,795 |
| Pretax return on assets | 0.7734% | 4,409 |
| Return on Equity (ROE) | 7.0997% | 3,551 |
| Retained earnings to average equity (ytd only) | -4.9849% | 6,019 |
| Net charge-offs to loans | -0.0036% | 4,666 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5666% | 2,741 |
| Assets per employee ($millions) | 4.4497% | 3,067 |
| Cash dividends to net income (ytd only)* | 170.2128% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 5,060 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 87.0406% | 187 |
| Net loans and leases to deposits | 103.6469% | 471 |
| Net loans and leases to core deposits | 110.5699% | 804 |
| Total domestic deposits to total assets | 83.9780% | 3,571 |
| Equity capital to assets | 10.0526% | 3,979 |
| Core capital (leverage) ratio | 9.6044% | 4,133 |
| Tier 1 risk-based capital ratio | 10.6303% | 5,870 |
| Total risk-based capital ratio | 11.7278% | 5,874 |
| Memoranda: | ||
| Average total assets | $126,976,670 | 4,023 |
| Average earning assets | $117,165,330 | 4,010 |
| Average equity | $13,240,000 | 4,161 |
| Average total loans | $112,085,670 | 3,205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 1,631 |
| Cost of funding earning assets | 0.3094% | 4,334 |
| Net interest margin | 4.1323% | 1,202 |
| Noninterest income to average assets | 0.3367% | 4,498 |
| Noninterest expense to average assets | 3.3380% | 1,629 |
| Loan and lease loss provision to assets | 0.2001% | 928 |
| Net operating income to assets | 0.5940% | 4,315 |
| Return on assets (ROA) | 0.6733% | 4,052 |
| Pretax return on assets | 0.6987% | 4,594 |
| Return on Equity (ROE) | 6.3407% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.3407% | 2,316 |
| Net charge-offs to loans | -0.0072% | 4,604 |
| Credit loss provision to net charge-offs | -3,150.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7645% | 2,546 |
| Assets per employee ($millions) | 4.4475% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 4,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 5,105 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 88.4044% | 90 |
| Net loans and leases to deposits | 102.5247% | 433 |
| Net loans and leases to core deposits | 108.3350% | 808 |
| Total domestic deposits to total assets | 86.2274% | 2,815 |
| Equity capital to assets | 10.8552% | 3,134 |
| Core capital (leverage) ratio | 10.3888% | 3,110 |
| Tier 1 risk-based capital ratio | 11.2883% | 5,669 |
| Total risk-based capital ratio | 12.3518% | 5,673 |
| Memoranda: | ||
| Average total assets | $125,944,500 | 4,066 |
| Average earning assets | $116,352,000 | 4,057 |
| Average equity | $13,374,000 | 4,175 |
| Average total loans | $111,330,500 | 3,242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 2,163 |
| Cost of funding earning assets | 0.2910% | 4,879 |
| Net interest margin | 4.1281% | 1,495 |
| Noninterest income to average assets | 0.3913% | 4,258 |
| Noninterest expense to average assets | 3.0886% | 2,562 |
| Loan and lease loss provision to assets | 0.3564% | 529 |
| Net operating income to assets | 0.7317% | 3,724 |
| Return on assets (ROA) | 0.7353% | 3,817 |
| Pretax return on assets | 0.7749% | 4,349 |
| Return on Equity (ROE) | 7.5301% | 3,359 |
| Retained earnings to average equity (ytd only) | 1.5790% | 5,042 |
| Net charge-offs to loans | -0.0098% | 5,556 |
| Credit loss provision to net charge-offs | -4,181.8182% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8844% | 3,738 |
| Assets per employee ($millions) | 4.5485% | 2,957 |
| Cash dividends to net income (ytd only)* | 79.0306% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 4,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 5,196 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 86.5318% | 177 |
| Net loans and leases to deposits | 102.4457% | 495 |
| Net loans and leases to core deposits | 107.6840% | 912 |
| Total domestic deposits to total assets | 84.4660% | 3,521 |
| Equity capital to assets | 10.3880% | 3,621 |
| Core capital (leverage) ratio | 8.8501% | 5,185 |
| Tier 1 risk-based capital ratio | 10.2069% | 6,204 |
| Total risk-based capital ratio | 11.2093% | 6,222 |
| Memoranda: | ||
| Average total assets | $129,054,200 | 3,990 |
| Average earning assets | $119,572,000 | 3,982 |
| Average equity | $12,602,800 | 4,261 |
| Average total loans | $111,967,400 | 3,181 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,446 |
| Cost of funding earning assets | 0.4716% | 3,040 |
| Net interest margin | 3.8716% | 2,344 |
| Noninterest income to average assets | 0.3789% | 4,406 |
| Noninterest expense to average assets | 2.8473% | 3,298 |
| Loan and lease loss provision to assets | 0.2657% | 799 |
| Net operating income to assets | 0.8230% | 3,324 |
| Return on assets (ROA) | 0.8279% | 3,384 |
| Pretax return on assets | 0.8640% | 4,132 |
| Return on Equity (ROE) | 8.6130% | 2,897 |
| Retained earnings to average equity (ytd only) | 0.5785% | 5,636 |
| Net charge-offs to loans | -0.0095% | 5,412 |
| Credit loss provision to net charge-offs | -3,225.0000% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6878% | 3,235 |
| Assets per employee ($millions) | 5.0374% | 2,198 |
| Cash dividends to net income (ytd only)* | 93.2843% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 5,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 5,462 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 86.8880% | 155 |
| Net loans and leases to deposits | 106.6792% | 303 |
| Net loans and leases to core deposits | 112.4341% | 640 |
| Total domestic deposits to total assets | 81.4479% | 4,681 |
| Equity capital to assets | 9.5761% | 4,702 |
| Core capital (leverage) ratio | 8.5071% | 5,654 |
| Tier 1 risk-based capital ratio | 9.3622% | 6,454 |
| Total risk-based capital ratio | 10.1670% | 6,482 |
| Memoranda: | ||
| Average total assets | $129,478,000 | 4,018 |
| Average earning assets | $120,153,750 | 3,985 |
| Average equity | $12,446,000 | 4,306 |
| Average total loans | $112,120,250 | 3,193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,640 |
| Cost of funding earning assets | 0.4361% | 3,483 |
| Net interest margin | 3.8480% | 2,380 |
| Noninterest income to average assets | 0.3473% | 4,652 |
| Noninterest expense to average assets | 2.8159% | 3,441 |
| Loan and lease loss provision to assets | 0.2621% | 806 |
| Net operating income to assets | 0.8097% | 3,275 |
| Return on assets (ROA) | 0.8172% | 3,344 |
| Pretax return on assets | 0.8482% | 4,085 |
| Return on Equity (ROE) | 8.4904% | 2,841 |
| Retained earnings to average equity (ytd only) | -3.5927% | 6,144 |
| Net charge-offs to loans | -0.0108% | 5,344 |
| Credit loss provision to net charge-offs | -2,816.6667% | 5,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8639% | 3,371 |
| Assets per employee ($millions) | 5.1300% | 2,046 |
| Cash dividends to net income (ytd only)* | 142.3150% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 6,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 5,576 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 85.5457% | 210 |
| Net loans and leases to deposits | 104.3219% | 349 |
| Net loans and leases to core deposits | 109.5157% | 712 |
| Total domestic deposits to total assets | 82.0017% | 4,650 |
| Equity capital to assets | 9.1941% | 5,112 |
| Core capital (leverage) ratio | 8.4799% | 5,650 |
| Tier 1 risk-based capital ratio | 9.1166% | 6,530 |
| Total risk-based capital ratio | 9.8473% | 6,558 |
| Memoranda: | ||
| Average total assets | $128,980,000 | 4,054 |
| Average earning assets | $119,697,330 | 4,018 |
| Average equity | $12,414,000 | 4,329 |
| Average total loans | $111,245,670 | 3,214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,765 |
| Cost of funding earning assets | 0.4537% | 3,386 |
| Net interest margin | 3.7754% | 2,571 |
| Noninterest income to average assets | 0.3723% | 4,412 |
| Noninterest expense to average assets | 2.8301% | 3,454 |
| Loan and lease loss provision to assets | 0.3597% | 486 |
| Net operating income to assets | 0.6973% | 3,701 |
| Return on assets (ROA) | 0.6973% | 3,778 |
| Pretax return on assets | 0.7004% | 4,485 |
| Return on Equity (ROE) | 7.0779% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.0779% | 2,005 |
| Net charge-offs to loans | -0.0110% | 5,087 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7494% | 3,350 |
| Assets per employee ($millions) | 4.5419% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 6,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 5,403 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 86.3527% | 129 |
| Net loans and leases to deposits | 98.0337% | 541 |
| Net loans and leases to core deposits | 104.0093% | 857 |
| Total domestic deposits to total assets | 88.0847% | 2,188 |
| Equity capital to assets | 10.3097% | 3,456 |
| Core capital (leverage) ratio | 8.9287% | 5,103 |
| Tier 1 risk-based capital ratio | 10.0264% | 6,468 |
| Total risk-based capital ratio | 10.7495% | 6,532 |
| Memoranda: | ||
| Average total assets | $126,780,500 | 4,131 |
| Average earning assets | $118,134,000 | 4,090 |
| Average equity | $12,489,500 | 4,349 |
| Average total loans | $109,391,000 | 3,274 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 3,884 |
| Cost of funding earning assets | 0.2498% | 5,965 |
| Net interest margin | 3.8097% | 2,621 |
| Noninterest income to average assets | 0.3515% | 4,800 |
| Noninterest expense to average assets | 2.8771% | 3,439 |
| Loan and lease loss provision to assets | 0.0810% | 3,493 |
| Net operating income to assets | 0.8450% | 3,068 |
| Return on assets (ROA) | 0.8489% | 3,116 |
| Pretax return on assets | 0.8805% | 3,845 |
| Return on Equity (ROE) | 8.6577% | 2,722 |
| Retained earnings to average equity (ytd only) | 2.2553% | 4,643 |
| Net charge-offs to loans | 0.0061% | 5,343 |
| Credit loss provision to net charge-offs | 1,666.6667% | 150 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 227 |
| Efficiency ratio | 70.8703% | 3,690 |
| Assets per employee ($millions) | 4.8492% | 2,375 |
| Cash dividends to net income (ytd only)* | 73.9504% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 6,464 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 5,448 |
| Noncurrent loans to loans | 0.0045% | 6,296 |
| Net loans and leases to total assets | 85.0912% | 198 |
| Net loans and leases to deposits | 107.5657% | 216 |
| Net loans and leases to core deposits | 114.4076% | 461 |
| Total domestic deposits to total assets | 79.1062% | 5,633 |
| Equity capital to assets | 9.4219% | 4,528 |
| Core capital (leverage) ratio | 9.0415% | 4,940 |
| Tier 1 risk-based capital ratio | 9.4298% | 6,612 |
| Total risk-based capital ratio | 10.0251% | 6,668 |
| Memoranda: | ||
| Average total assets | $123,456,400 | 4,201 |
| Average earning assets | $112,870,400 | 4,202 |
| Average equity | $12,104,800 | 4,422 |
| Average total loans | $98,294,600 | 3,491 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 2,209 |
| Cost of funding earning assets | 0.3074% | 5,669 |
| Net interest margin | 4.1983% | 1,339 |
| Noninterest income to average assets | 0.4184% | 4,383 |
| Noninterest expense to average assets | 3.2445% | 2,217 |
| Loan and lease loss provision to assets | 0.1107% | 2,921 |
| Net operating income to assets | 0.9673% | 2,513 |
| Return on assets (ROA) | 0.9688% | 2,607 |
| Pretax return on assets | 0.9779% | 3,594 |
| Return on Equity (ROE) | 10.1263% | 2,133 |
| Retained earnings to average equity (ytd only) | 4.1836% | 3,707 |
| Net charge-offs to loans | 0.0180% | 4,769 |
| Credit loss provision to net charge-offs | 730.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 71.7164% | 653 |
| Efficiency ratio | 71.8936% | 3,422 |
| Assets per employee ($millions) | 4.2405% | 3,349 |
| Cash dividends to net income (ytd only)* | 58.6856% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 6,290 |
| Loan loss allowance to noncurrent loans | 842.8571% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 6,190 |
| Noncurrent loans to loans | 0.0946% | 6,053 |
| Net loans and leases to total assets | 86.5173% | 129 |
| Net loans and leases to deposits | 108.6226% | 178 |
| Net loans and leases to core deposits | 117.8226% | 358 |
| Total domestic deposits to total assets | 79.6495% | 5,592 |
| Equity capital to assets | 9.1746% | 4,969 |
| Core capital (leverage) ratio | 8.7308% | 5,491 |
| Tier 1 risk-based capital ratio | 9.3259% | 6,699 |
| Total risk-based capital ratio | 10.1132% | 6,734 |
| Memoranda: | ||
| Average total assets | $87,942,750 | 5,076 |
| Average earning assets | $81,966,750 | 5,029 |
| Average equity | $8,413,500 | 5,294 |
| Average total loans | $73,879,250 | 4,164 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 2,349 |
| Cost of funding earning assets | 0.3121% | 5,739 |
| Net interest margin | 4.1471% | 1,418 |
| Noninterest income to average assets | 0.4434% | 4,217 |
| Noninterest expense to average assets | 3.2590% | 2,192 |
| Loan and lease loss provision to assets | 0.1045% | 3,046 |
| Net operating income to assets | 0.9308% | 2,660 |
| Return on assets (ROA) | 0.9308% | 2,794 |
| Pretax return on assets | 0.9656% | 3,656 |
| Return on Equity (ROE) | 9.5876% | 2,381 |
| Retained earnings to average equity (ytd only) | 2.6539% | 4,618 |
| Net charge-offs to loans | -0.0140% | 5,854 |
| Credit loss provision to net charge-offs | -900.0000% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2252% | 3,433 |
| Assets per employee ($millions) | 4.7168% | 2,487 |
| Cash dividends to net income (ytd only)* | 72.3192% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 6,291 |
| Loan loss allowance to noncurrent loans | 600.0000% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,110 |
| Noncurrent loans to loans | 0.1391% | 5,977 |
| Net loans and leases to total assets | 88.9992% | 64 |
| Net loans and leases to deposits | 100.8448% | 383 |
| Net loans and leases to core deposits | 108.5036% | 627 |
| Total domestic deposits to total assets | 88.2537% | 2,075 |
| Equity capital to assets | 9.8972% | 4,059 |
| Core capital (leverage) ratio | 8.8193% | 5,260 |
| Tier 1 risk-based capital ratio | 9.7686% | 6,679 |
| Total risk-based capital ratio | 10.5963% | 6,723 |
| Memoranda: | ||
| Average total assets | $86,160,330 | 5,149 |
| Average earning assets | $80,731,000 | 5,098 |
| Average equity | $8,365,000 | 5,346 |
| Average total loans | $71,385,330 | 4,261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,749 |
| Cost of funding earning assets | 0.3156% | 5,834 |
| Net interest margin | 4.0187% | 1,715 |
| Noninterest income to average assets | 0.3180% | 5,151 |
| Noninterest expense to average assets | 3.0879% | 2,715 |
| Loan and lease loss provision to assets | 0.0830% | 3,267 |
| Net operating income to assets | 0.8803% | 2,749 |
| Return on assets (ROA) | 0.8803% | 2,899 |
| Pretax return on assets | 0.9033% | 3,749 |
| Return on Equity (ROE) | 9.1541% | 2,413 |
| Retained earnings to average equity (ytd only) | -4.7448% | 6,344 |
| Net charge-offs to loans | -0.0174% | 5,657 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5113% | 3,515 |
| Assets per employee ($millions) | 4.6659% | 2,709 |
| Cash dividends to net income (ytd only)* | 151.8325% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,346 |
| Loan loss allowance to noncurrent loans | 537.1681% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 6,191 |
| Noncurrent loans to loans | 0.1605% | 5,994 |
| Net loans and leases to total assets | 78.7441% | 536 |
| Net loans and leases to deposits | 87.4756% | 1,194 |
| Net loans and leases to core deposits | 93.6682% | 1,368 |
| Total domestic deposits to total assets | 90.0184% | 1,035 |
| Equity capital to assets | 9.3533% | 5,058 |
| Core capital (leverage) ratio | 8.4805% | 5,625 |
| Tier 1 risk-based capital ratio | 9.9956% | 6,692 |
| Total risk-based capital ratio | 10.8304% | 6,735 |
| Memoranda: | ||
| Average total assets | $86,789,000 | 5,176 |
| Average earning assets | $81,121,500 | 5,118 |
| Average equity | $8,346,000 | 5,399 |
| Average total loans | $68,978,500 | 4,375 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 3,823 |
| Cost of funding earning assets | 0.4724% | 5,405 |
| Net interest margin | 3.9245% | 2,723 |
| Noninterest income to average assets | 0.4065% | 4,554 |
| Noninterest expense to average assets | 3.2185% | 2,553 |
| Loan and lease loss provision to assets | 0.0150% | 5,718 |
| Net operating income to assets | 0.8493% | 3,050 |
| Return on assets (ROA) | 1.2359% | 1,654 |
| Pretax return on assets | 1.2071% | 2,783 |
| Return on Equity (ROE) | 11.5173% | 1,648 |
| Retained earnings to average equity (ytd only) | -1.3056% | 6,064 |
| Net charge-offs to loans | 0.2276% | 3,572 |
| Credit loss provision to net charge-offs | 9.0226% | 5,406 |
| Earnings coverage of net charge-offs (x) | 5.0226% | 3,175 |
| Efficiency ratio | 75.8716% | 2,769 |
| Assets per employee ($millions) | 4.4697% | 3,017 |
| Cash dividends to net income (ytd only)* | 111.3360% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,352 |
| Loan loss allowance to noncurrent loans | 771.0526% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,370 |
| Noncurrent loans to loans | 0.1125% | 6,207 |
| Net loans and leases to total assets | 78.8402% | 584 |
| Net loans and leases to deposits | 88.1346% | 1,257 |
| Net loans and leases to core deposits | 94.5786% | 1,422 |
| Total domestic deposits to total assets | 89.4542% | 1,273 |
| Equity capital to assets | 9.8911% | 4,326 |
| Core capital (leverage) ratio | 9.6536% | 3,887 |
| Tier 1 risk-based capital ratio | 10.7541% | 6,449 |
| Total risk-based capital ratio | 11.6011% | 6,570 |
| Memoranda: | ||
| Average total assets | $79,944,600 | 5,350 |
| Average earning assets | $74,302,600 | 5,304 |
| Average equity | $8,578,400 | 5,342 |
| Average total loans | $58,423,600 | 4,777 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 4,676 |
| Cost of funding earning assets | 0.2464% | 6,824 |
| Net interest margin | 3.9932% | 2,529 |
| Noninterest income to average assets | 0.4152% | 4,518 |
| Noninterest expense to average assets | 3.4113% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8018% | 3,443 |
| Return on assets (ROA) | 1.6907% | 774 |
| Pretax return on assets | 1.7393% | 1,184 |
| Return on Equity (ROE) | 16.9904% | 614 |
| Retained earnings to average equity (ytd only) | 1.9546% | 5,348 |
| Net charge-offs to loans | 0.7600% | 1,452 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.6666% | 4,440 |
| Efficiency ratio | 80.5654% | 2,009 |
| Assets per employee ($millions) | 3.5919% | 4,767 |
| Cash dividends to net income (ytd only)* | 88.4958% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,639 |
| Loan loss allowance to noncurrent loans | 4,107.1429% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,667 |
| Noncurrent loans to loans | 0.0544% | 6,479 |
| Net loans and leases to total assets | 69.9992% | 1,903 |
| Net loans and leases to deposits | 77.6834% | 2,707 |
| Net loans and leases to core deposits | 77.6834% | 3,502 |
| Total domestic deposits to total assets | 90.1083% | 791 |
| Equity capital to assets | 9.6662% | 4,965 |
| Core capital (leverage) ratio | 9.6331% | 4,072 |
| Tier 1 risk-based capital ratio | 12.4370% | 5,684 |
| Total risk-based capital ratio | 13.6969% | 5,650 |
| Memoranda: | ||
| Average total assets | $35,645,000 | 6,697 |
| Average earning assets | $34,090,500 | 6,637 |
| Average equity | $3,547,000 | 6,756 |
| Average total loans | $23,156,750 | 6,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 4,808 |
| Cost of funding earning assets | 0.2584% | 6,885 |
| Net interest margin | 3.9812% | 2,586 |
| Noninterest income to average assets | 0.3600% | 4,959 |
| Noninterest expense to average assets | 3.2852% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8705% | 3,041 |
| Return on assets (ROA) | 1.9014% | 522 |
| Pretax return on assets | 1.9407% | 783 |
| Return on Equity (ROE) | 18.9250% | 420 |
| Retained earnings to average equity (ytd only) | 18.9250% | 123 |
| Net charge-offs to loans | 0.6188% | 1,777 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.2899% | 3,850 |
| Efficiency ratio | 78.7062% | 2,364 |
| Assets per employee ($millions) | 3.5665% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6721% | 1,072 |
| Loan loss allowance to noncurrent loans | 122.6923% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.4580% | 3,523 |
| Noncurrent loans to loans | 2.1779% | 2,736 |
| Net loans and leases to total assets | 65.1563% | 2,820 |
| Net loans and leases to deposits | 73.1445% | 3,435 |
| Net loans and leases to core deposits | 73.1445% | 4,147 |
| Total domestic deposits to total assets | 89.0789% | 1,460 |
| Equity capital to assets | 10.6799% | 3,480 |
| Core capital (leverage) ratio | 10.3463% | 2,991 |
| Tier 1 risk-based capital ratio | 14.5508% | 4,064 |
| Total risk-based capital ratio | 15.8149% | 4,020 |
| Memoranda: | ||
| Average total assets | $35,553,670 | 6,753 |
| Average earning assets | $34,060,330 | 6,686 |
| Average equity | $3,572,000 | 6,792 |
| Average total loans | $22,303,000 | 6,447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 4,630 |
| Cost of funding earning assets | 0.2586% | 6,982 |
| Net interest margin | 4.0674% | 2,222 |
| Noninterest income to average assets | 0.3493% | 5,065 |
| Noninterest expense to average assets | 3.0650% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1381% | 1,928 |
| Return on assets (ROA) | 1.1381% | 2,116 |
| Pretax return on assets | 1.1832% | 2,971 |
| Return on Equity (ROE) | 11.6983% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.6983% | 878 |
| Net charge-offs to loans | 0.0744% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 1,007 |
| Efficiency ratio | 72.1485% | 3,414 |
| Assets per employee ($millions) | 4.0618% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3223% | 611 |
| Loan loss allowance to noncurrent loans | 305.6522% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 5,315 |
| Noncurrent loans to loans | 1.0870% | 4,517 |
| Net loans and leases to total assets | 55.9607% | 4,394 |
| Net loans and leases to deposits | 62.1302% | 4,896 |
| Net loans and leases to core deposits | 62.1302% | 5,309 |
| Total domestic deposits to total assets | 90.0700% | 1,047 |
| Equity capital to assets | 9.5853% | 4,668 |
| Core capital (leverage) ratio | 9.7023% | 3,766 |
| Tier 1 risk-based capital ratio | 15.4805% | 3,460 |
| Total risk-based capital ratio | 16.7528% | 3,422 |
| Memoranda: | ||
| Average total assets | $35,498,000 | 6,810 |
| Average earning assets | $34,026,500 | 6,734 |
| Average equity | $3,453,500 | 6,861 |
| Average total loans | $21,516,500 | 6,537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 4,630 |
| Cost of funding earning assets | 0.3606% | 6,986 |
| Net interest margin | 4.2514% | 1,877 |
| Noninterest income to average assets | 0.4693% | 4,061 |
| Noninterest expense to average assets | 3.7843% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4151% | 4,791 |
| Return on assets (ROA) | 0.4151% | 4,977 |
| Pretax return on assets | 0.7280% | 4,225 |
| Return on Equity (ROE) | 4.0121% | 4,840 |
| Retained earnings to average equity (ytd only) | -1.8025% | 6,132 |
| Net charge-offs to loans | 0.3656% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.2267% | 3,600 |
| Efficiency ratio | 83.8667% | 1,777 |
| Assets per employee ($millions) | 3.4440% | 5,148 |
| Cash dividends to net income (ytd only)* | 144.9275% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2323% | 662 |
| Loan loss allowance to noncurrent loans | 487.5862% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 5,919 |
| Noncurrent loans to loans | 0.6629% | 5,378 |
| Net loans and leases to total assets | 61.4576% | 3,702 |
| Net loans and leases to deposits | 69.1090% | 4,259 |
| Net loans and leases to core deposits | 69.1090% | 4,897 |
| Total domestic deposits to total assets | 88.9286% | 1,596 |
| Equity capital to assets | 9.8810% | 4,326 |
| Core capital (leverage) ratio | 9.7129% | 3,730 |
| Tier 1 risk-based capital ratio | 14.7100% | 3,825 |
| Total risk-based capital ratio | 15.9808% | 3,783 |
| Memoranda: | ||
| Average total assets | $33,242,400 | 6,886 |
| Average earning assets | $31,613,400 | 6,818 |
| Average equity | $3,439,600 | 6,896 |
| Average total loans | $20,513,200 | 6,636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 4,587 |
| Cost of funding earning assets | 0.3793% | 7,063 |
| Net interest margin | 4.2918% | 1,749 |
| Noninterest income to average assets | 0.4776% | 4,065 |
| Noninterest expense to average assets | 3.6587% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7042% | 3,599 |
| Return on assets (ROA) | 0.7042% | 3,765 |
| Pretax return on assets | 0.8945% | 3,786 |
| Return on Equity (ROE) | 6.7268% | 3,651 |
| Retained earnings to average equity (ytd only) | -1.0053% | 6,155 |
| Net charge-offs to loans | 0.1124% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.9978% | 1,653 |
| Efficiency ratio | 80.3556% | 2,205 |
| Assets per employee ($millions) | 3.4404% | 5,143 |
| Cash dividends to net income (ytd only)* | 114.9446% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9780% | 398 |
| Loan loss allowance to noncurrent loans | 6,375.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 6,969 |
| Noncurrent loans to loans | 0.0624% | 6,776 |
| Net loans and leases to total assets | 53.6740% | 5,215 |
| Net loans and leases to deposits | 60.2185% | 5,605 |
| Net loans and leases to core deposits | 60.2185% | 5,977 |
| Total domestic deposits to total assets | 89.1321% | 1,350 |
| Equity capital to assets | 9.9959% | 4,348 |
| Core capital (leverage) ratio | 10.2992% | 3,084 |
| Tier 1 risk-based capital ratio | 16.7340% | 2,747 |
| Total risk-based capital ratio | 18.0137% | 2,706 |
| Memoranda: | ||
| Average total assets | $32,943,000 | 6,955 |
| Average earning assets | $31,283,250 | 6,893 |
| Average equity | $3,448,750 | 6,950 |
| Average total loans | $20,173,250 | 6,715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 4,325 |
| Cost of funding earning assets | 0.4019% | 7,121 |
| Net interest margin | 4.3436% | 1,528 |
| Noninterest income to average assets | 0.4375% | 4,364 |
| Noninterest expense to average assets | 3.7220% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6655% | 3,711 |
| Return on assets (ROA) | 0.6655% | 3,835 |
| Pretax return on assets | 0.8442% | 3,853 |
| Return on Equity (ROE) | 6.2572% | 3,818 |
| Retained earnings to average equity (ytd only) | 0.4635% | 5,664 |
| Net charge-offs to loans | 0.1660% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.0588% | 2,123 |
| Efficiency ratio | 81.5115% | 2,169 |
| Assets per employee ($millions) | 3.2682% | 5,486 |
| Cash dividends to net income (ytd only)* | 92.5926% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7401% | 496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 60.2442% | 4,228 |
| Net loans and leases to deposits | 68.0833% | 4,696 |
| Net loans and leases to core deposits | 68.0833% | 5,282 |
| Total domestic deposits to total assets | 88.4860% | 1,866 |
| Equity capital to assets | 10.6266% | 3,353 |
| Core capital (leverage) ratio | 10.3641% | 2,865 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,947 |
| Total risk-based capital ratio | 17.3523% | 2,896 |
| Memoranda: | ||
| Average total assets | $32,456,000 | 7,034 |
| Average earning assets | $30,850,330 | 6,971 |
| Average equity | $3,452,000 | 6,996 |
| Average total loans | $20,487,330 | 6,761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7942% | 4,083 |
| Cost of funding earning assets | 0.4039% | 7,216 |
| Net interest margin | 4.3903% | 1,307 |
| Noninterest income to average assets | 0.4329% | 4,429 |
| Noninterest expense to average assets | 3.8215% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6555% | 3,722 |
| Return on assets (ROA) | 0.6555% | 3,797 |
| Pretax return on assets | 0.7791% | 3,976 |
| Return on Equity (ROE) | 6.1601% | 3,810 |
| Retained earnings to average equity (ytd only) | -5.4627% | 6,554 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0645% | 2,069 |
| Assets per employee ($millions) | 3.3588% | 5,342 |
| Cash dividends to net income (ytd only)* | 188.6792% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0399% | 413 |
| Loan loss allowance to noncurrent loans | 840.8602% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 6,493 |
| Noncurrent loans to loans | 0.4804% | 6,058 |
| Net loans and leases to total assets | 55.3025% | 5,112 |
| Net loans and leases to deposits | 62.1466% | 5,479 |
| Net loans and leases to core deposits | 62.1466% | 5,912 |
| Total domestic deposits to total assets | 88.9871% | 1,781 |
| Equity capital to assets | 10.1763% | 3,563 |
| Core capital (leverage) ratio | 10.1124% | 3,013 |
| Tier 1 risk-based capital ratio | 16.6675% | 2,599 |
| Total risk-based capital ratio | 17.9939% | 2,540 |
| Memoranda: | ||
| Average total assets | $32,343,000 | 7,089 |
| Average earning assets | $30,704,000 | 7,027 |
| Average equity | $3,441,500 | 7,031 |
| Average total loans | $20,504,000 | 6,810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 2,804 |
| Cost of funding earning assets | 0.5222% | 7,268 |
| Net interest margin | 4.8492% | 608 |
| Noninterest income to average assets | 0.5532% | 3,796 |
| Noninterest expense to average assets | 4.0658% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6776% | 3,312 |
| Return on assets (ROA) | 0.6776% | 3,446 |
| Pretax return on assets | 1.0475% | 2,783 |
| Return on Equity (ROE) | 5.9764% | 3,619 |
| Retained earnings to average equity (ytd only) | 0.2021% | 5,469 |
| Net charge-offs to loans | -0.0050% | 7,264 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5134% | 2,479 |
| Assets per employee ($millions) | 3.1098% | 5,861 |
| Cash dividends to net income (ytd only)* | 96.6184% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6118% | 543 |
| Loan loss allowance to noncurrent loans | 316.5992% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 5,420 |
| Noncurrent loans to loans | 1.1408% | 4,831 |
| Net loans and leases to total assets | 67.1072% | 3,187 |
| Net loans and leases to deposits | 76.3957% | 3,782 |
| Net loans and leases to core deposits | 76.3957% | 4,647 |
| Total domestic deposits to total assets | 87.8417% | 2,346 |
| Equity capital to assets | 11.1422% | 2,558 |
| Core capital (leverage) ratio | 10.9586% | 2,193 |
| Tier 1 risk-based capital ratio | 13.8733% | 3,944 |
| Total risk-based capital ratio | 15.1465% | 3,909 |
| Memoranda: | ||
| Average total assets | $30,547,800 | 7,190 |
| Average earning assets | $28,726,200 | 7,135 |
| Average equity | $3,463,600 | 7,144 |
| Average total loans | $20,165,600 | 6,914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 3,257 |
| Cost of funding earning assets | 0.5465% | 7,383 |
| Net interest margin | 4.7732% | 715 |
| Noninterest income to average assets | 0.5743% | 3,622 |
| Noninterest expense to average assets | 3.9328% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9339% | 2,482 |
| Return on assets (ROA) | 0.9339% | 2,613 |
| Pretax return on assets | 1.1224% | 2,761 |
| Return on Equity (ROE) | 8.2001% | 2,827 |
| Retained earnings to average equity (ytd only) | 0.5004% | 5,599 |
| Net charge-offs to loans | -0.0067% | 7,231 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7971% | 2,650 |
| Assets per employee ($millions) | 3.0302% | 6,085 |
| Cash dividends to net income (ytd only)* | 93.8977% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7877% | 437 |
| Loan loss allowance to noncurrent loans | 102.7595% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 2.5114% | 2,857 |
| Noncurrent loans to loans | 3.6859% | 2,114 |
| Net loans and leases to total assets | 65.5534% | 3,786 |
| Net loans and leases to deposits | 74.9444% | 4,348 |
| Net loans and leases to core deposits | 74.9444% | 5,179 |
| Total domestic deposits to total assets | 87.4695% | 2,281 |
| Equity capital to assets | 11.4547% | 2,569 |
| Core capital (leverage) ratio | 11.5166% | 1,930 |
| Tier 1 risk-based capital ratio | 14.3305% | 3,610 |
| Total risk-based capital ratio | 15.6022% | 3,560 |
| Memoranda: | ||
| Average total assets | $30,410,250 | 7,277 |
| Average earning assets | $28,547,750 | 7,226 |
| Average equity | $3,463,250 | 7,236 |
| Average total loans | $19,794,250 | 7,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 3,775 |
| Cost of funding earning assets | 0.5812% | 7,437 |
| Net interest margin | 4.6569% | 883 |
| Noninterest income to average assets | 0.5978% | 3,348 |
| Noninterest expense to average assets | 3.8757% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9065% | 2,537 |
| Return on assets (ROA) | 0.9065% | 2,646 |
| Pretax return on assets | 1.0904% | 2,810 |
| Return on Equity (ROE) | 7.9753% | 2,894 |
| Retained earnings to average equity (ytd only) | 2.1961% | 4,749 |
| Net charge-offs to loans | -0.0103% | 7,192 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0423% | 2,722 |
| Assets per employee ($millions) | 2.9292% | 6,297 |
| Cash dividends to net income (ytd only)* | 72.4638% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0349% | 366 |
| Loan loss allowance to noncurrent loans | 112.0344% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 2.3829% | 3,022 |
| Noncurrent loans to loans | 3.6015% | 2,191 |
| Net loans and leases to total assets | 63.4952% | 4,351 |
| Net loans and leases to deposits | 72.9745% | 4,835 |
| Net loans and leases to core deposits | 72.9745% | 5,557 |
| Total domestic deposits to total assets | 87.0101% | 2,522 |
| Equity capital to assets | 11.9350% | 2,134 |
| Core capital (leverage) ratio | 11.5395% | 1,895 |
| Tier 1 risk-based capital ratio | 15.3556% | 2,975 |
| Total risk-based capital ratio | 16.6337% | 2,926 |
| Memoranda: | ||
| Average total assets | $30,446,330 | 7,330 |
| Average earning assets | $28,560,000 | 7,274 |
| Average equity | $3,460,670 | 7,276 |
| Average total loans | $19,510,330 | 7,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 4,475 |
| Cost of funding earning assets | 0.5787% | 7,561 |
| Net interest margin | 4.5332% | 1,076 |
| Noninterest income to average assets | 0.6189% | 3,147 |
| Noninterest expense to average assets | 3.8294% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9025% | 2,532 |
| Return on assets (ROA) | 0.9025% | 2,606 |
| Pretax return on assets | 1.0315% | 2,963 |
| Return on Equity (ROE) | 8.1324% | 2,818 |
| Retained earnings to average equity (ytd only) | -3.4853% | 6,427 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7798% | 2,764 |
| Assets per employee ($millions) | 3.1266% | 5,932 |
| Cash dividends to net income (ytd only)* | 142.8571% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1159% | 338 |
| Loan loss allowance to noncurrent loans | 136.5385% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.8295% | 3,732 |
| Noncurrent loans to loans | 3.0145% | 2,658 |
| Net loans and leases to total assets | 58.1910% | 5,397 |
| Net loans and leases to deposits | 66.0543% | 5,814 |
| Net loans and leases to core deposits | 66.0543% | 6,279 |
| Total domestic deposits to total assets | 88.0957% | 2,004 |
| Equity capital to assets | 10.9640% | 2,797 |
| Core capital (leverage) ratio | 11.1407% | 2,134 |
| Tier 1 risk-based capital ratio | 15.0107% | 3,116 |
| Total risk-based capital ratio | 16.3112% | 3,042 |
| Memoranda: | ||
| Average total assets | $31,023,500 | 7,406 |
| Average earning assets | $29,030,000 | 7,352 |
| Average equity | $3,443,000 | 7,361 |
| Average total loans | $19,575,000 | 7,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 4,002 |
| Cost of funding earning assets | 0.7086% | 7,677 |
| Net interest margin | 4.8195% | 664 |
| Noninterest income to average assets | 1.5071% | 632 |
| Noninterest expense to average assets | 4.3293% | 955 |
| Loan and lease loss provision to assets | 0.0523% | 7,043 |
| Net operating income to assets | 1.0884% | 1,543 |
| Return on assets (ROA) | 1.0884% | 1,587 |
| Pretax return on assets | 1.5385% | 1,102 |
| Return on Equity (ROE) | 9.2912% | 1,926 |
| Retained earnings to average equity (ytd only) | 0.3574% | 4,707 |
| Net charge-offs to loans | 0.4021% | 4,213 |
| Credit loss provision to net charge-offs | 19.4805% | 6,939 |
| Earnings coverage of net charge-offs (x) | 5.9221% | 2,469 |
| Efficiency ratio | 73.1291% | 4,068 |
| Assets per employee ($millions) | 2.7983% | 6,664 |
| Cash dividends to net income (ytd only)* | 96.1538% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8711% | 390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.0064% | 4,810 |
| Net loans and leases to deposits | 71.7897% | 5,357 |
| Net loans and leases to core deposits | 73.4204% | 6,569 |
| Total domestic deposits to total assets | 87.7652% | 2,084 |
| Equity capital to assets | 11.2342% | 2,509 |
| Core capital (leverage) ratio | 11.3147% | 2,028 |
| Tier 1 risk-based capital ratio | 14.4819% | 3,221 |
| Total risk-based capital ratio | 15.7551% | 3,159 |
| Memoranda: | ||
| Average total assets | $28,665,200 | 7,517 |
| Average earning assets | $26,247,800 | 7,497 |
| Average equity | $3,358,000 | 7,488 |
| Average total loans | $19,147,800 | 7,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 4,328 |
| Cost of funding earning assets | 0.7274% | 7,782 |
| Net interest margin | 4.7904% | 697 |
| Noninterest income to average assets | 0.6445% | 3,384 |
| Noninterest expense to average assets | 4.0753% | 1,180 |
| Loan and lease loss provision to assets | 0.0711% | 6,647 |
| Net operating income to assets | 0.6492% | 3,412 |
| Return on assets (ROA) | 0.6492% | 3,471 |
| Pretax return on assets | 0.8672% | 3,332 |
| Return on Equity (ROE) | 5.4803% | 3,751 |
| Retained earnings to average equity (ytd only) | -6.5206% | 6,450 |
| Net charge-offs to loans | 0.2682% | 4,363 |
| Credit loss provision to net charge-offs | 39.4737% | 6,429 |
| Earnings coverage of net charge-offs (x) | 5.2100% | 2,893 |
| Efficiency ratio | 81.2854% | 2,683 |
| Assets per employee ($millions) | 2.9451% | 6,290 |
| Cash dividends to net income (ytd only)* | 218.9806% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2963% | 236 |
| Loan loss allowance to noncurrent loans | 719.2982% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 5,382 |
| Noncurrent loans to loans | 0.5973% | 6,114 |
| Net loans and leases to total assets | 62.0217% | 5,239 |
| Net loans and leases to deposits | 70.4734% | 5,848 |
| Net loans and leases to core deposits | 71.2986% | 6,888 |
| Total domestic deposits to total assets | 88.0072% | 1,649 |
| Equity capital to assets | 11.1473% | 2,878 |
| Core capital (leverage) ratio | 11.4654% | 2,091 |
| Tier 1 risk-based capital ratio | 12.2295% | 4,762 |
| Total risk-based capital ratio | 13.5034% | 4,686 |
| Memoranda: | ||
| Average total assets | $28,136,250 | 7,607 |
| Average earning assets | $25,661,500 | 7,584 |
| Average equity | $3,333,000 | 7,561 |
| Average total loans | $18,891,000 | 7,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 4,681 |
| Cost of funding earning assets | 0.7572% | 7,866 |
| Net interest margin | 4.7343% | 757 |
| Noninterest income to average assets | 0.7004% | 2,994 |
| Noninterest expense to average assets | 4.1447% | 1,135 |
| Loan and lease loss provision to assets | 0.0722% | 6,476 |
| Net operating income to assets | 0.5777% | 3,778 |
| Return on assets (ROA) | 0.5777% | 3,886 |
| Pretax return on assets | 0.7726% | 3,769 |
| Return on Equity (ROE) | 4.7766% | 4,177 |
| Retained earnings to average equity (ytd only) | -7.1649% | 6,582 |
| Net charge-offs to loans | 0.4037% | 3,180 |
| Credit loss provision to net charge-offs | 26.3158% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.0789% | 3,581 |
| Efficiency ratio | 83.0680% | 2,596 |
| Assets per employee ($millions) | 2.5154% | 7,220 |
| Cash dividends to net income (ytd only)* | 250.0000% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2731% | 209 |
| Loan loss allowance to noncurrent loans | 582.1429% | 573 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 4,959 |
| Noncurrent loans to loans | 0.7340% | 5,776 |
| Net loans and leases to total assets | 65.9872% | 4,565 |
| Net loans and leases to deposits | 75.7468% | 5,207 |
| Net loans and leases to core deposits | 76.7014% | 6,628 |
| Total domestic deposits to total assets | 87.1155% | 2,188 |
| Equity capital to assets | 12.0207% | 2,192 |
| Core capital (leverage) ratio | 11.9554% | 1,852 |
| Tier 1 risk-based capital ratio | 12.9800% | 4,164 |
| Total risk-based capital ratio | 14.2523% | 4,061 |
| Memoranda: | ||
| Average total assets | $27,698,000 | 7,693 |
| Average earning assets | $25,093,330 | 7,676 |
| Average equity | $3,349,670 | 7,616 |
| Average total loans | $18,826,000 | 7,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4612% | 5,116 |
| Cost of funding earning assets | 0.7733% | 7,935 |
| Net interest margin | 4.6880% | 783 |
| Noninterest income to average assets | 0.5774% | 3,709 |
| Noninterest expense to average assets | 4.2147% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4475% | 4,662 |
| Return on assets (ROA) | 0.4475% | 4,834 |
| Pretax return on assets | 0.5629% | 4,872 |
| Return on Equity (ROE) | 3.6888% | 5,090 |
| Retained earnings to average equity (ytd only) | -20.1101% | 7,647 |
| Net charge-offs to loans | 0.4705% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.7727% | 3,845 |
| Efficiency ratio | 88.2175% | 1,876 |
| Assets per employee ($millions) | 2.4798% | 7,321 |
| Cash dividends to net income (ytd only)* | 645.1613% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4213% | 154 |
| Loan loss allowance to noncurrent loans | 363.2743% | 954 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 3,994 |
| Noncurrent loans to loans | 1.2171% | 4,539 |
| Net loans and leases to total assets | 65.0634% | 4,800 |
| Net loans and leases to deposits | 74.6561% | 5,404 |
| Net loans and leases to core deposits | 75.6103% | 6,705 |
| Total domestic deposits to total assets | 87.1508% | 2,147 |
| Equity capital to assets | 12.0133% | 2,253 |
| Core capital (leverage) ratio | 11.8719% | 1,960 |
| Tier 1 risk-based capital ratio | 12.7188% | 4,374 |
| Total risk-based capital ratio | 13.9918% | 4,272 |
| Memoranda: | ||
| Average total assets | $27,712,500 | 7,741 |
| Average earning assets | $24,829,500 | 7,731 |
| Average equity | $3,361,500 | 7,668 |
| Average total loans | $18,702,500 | 7,456 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4917% | 3,000 |
| Cost of funding earning assets | 0.8806% | 8,095 |
| Net interest margin | 5.6111% | 170 |
| Noninterest income to average assets | 0.6921% | 3,170 |
| Noninterest expense to average assets | 4.4406% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7482% | 3,680 |
| Return on assets (ROA) | 0.7482% | 3,520 |
| Pretax return on assets | 1.1859% | 2,698 |
| Return on Equity (ROE) | 5.5130% | 4,152 |
| Retained earnings to average equity (ytd only) | -19.2954% | 7,660 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9229% | 2,764 |
| Assets per employee ($millions) | 2.5588% | 7,090 |
| Cash dividends to net income (ytd only)* | 450.0000% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4755% | 136 |
| Loan loss allowance to noncurrent loans | 526.8750% | 831 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 4,171 |
| Noncurrent loans to loans | 0.8494% | 4,923 |
| Net loans and leases to total assets | 63.9251% | 5,286 |
| Net loans and leases to deposits | 73.6995% | 5,876 |
| Net loans and leases to core deposits | 75.6040% | 6,880 |
| Total domestic deposits to total assets | 86.7375% | 2,073 |
| Equity capital to assets | 12.2429% | 2,139 |
| Core capital (leverage) ratio | 12.4937% | 1,753 |
| Tier 1 risk-based capital ratio | 13.8017% | 3,645 |
| Total risk-based capital ratio | 15.0793% | 3,556 |
| Memoranda: | ||
| Average total assets | $26,730,800 | 7,772 |
| Average earning assets | $23,506,800 | 7,803 |
| Average equity | $3,627,800 | 7,639 |
| Average total loans | $18,512,200 | 7,429 |