Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3593% | 401 |
| Cost of funding earning assets | 2.4532% | 408 |
| Net interest margin | 3.9061% | 1,361 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.8397% | 3,934 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.3086% | 299 |
| Return on assets (ROA) | 2.3086% | 290 |
| Pretax return on assets | 2.3086% | 428 |
| Return on Equity (ROE) | 21.3200% | 516 |
| Retained earnings to average equity (ytd only) | 16.4262% | 247 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.9737% | 4,251 |
| Assets per employee ($millions) | 18.7166% | 118 |
| Cash dividends to net income (ytd only)* | 22.9428% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 3,967 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,013 |
| Noncurrent loans to loans | 0.1331% | 2,842 |
| Net loans and leases to total assets | 59.0000% | 2,945 |
| Net loans and leases to deposits | 66.2377% | 3,157 |
| Net loans and leases to core deposits | 71.1910% | 3,236 |
| Total domestic deposits to total assets | 89.0800% | 1,043 |
| Equity capital to assets | 10.7779% | 1,596 |
| Core capital (leverage) ratio | 11.4017% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $283,204,400 | 2,505 |
| Average earning assets | $271,885,800 | 2,455 |
| Average equity | $30,670,600 | 2,235 |
| Average total loans | $174,253,600 | 2,495 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 409 |
| Cost of funding earning assets | 2.3846% | 343 |
| Net interest margin | 3.8376% | 1,520 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 1.3527% | 4,424 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.8033% | 204 |
| Return on assets (ROA) | 2.8033% | 202 |
| Pretax return on assets | 2.8033% | 277 |
| Return on Equity (ROE) | 25.8500% | 359 |
| Retained earnings to average equity (ytd only) | 25.8518% | 128 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.2698% | 4,498 |
| Assets per employee ($millions) | 17.4207% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,000 |
| Loan loss allowance to noncurrent loans | 577.2727% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,010 |
| Noncurrent loans to loans | 0.1369% | 2,872 |
| Net loans and leases to total assets | 62.9100% | 2,575 |
| Net loans and leases to deposits | 71.6323% | 2,730 |
| Net loans and leases to core deposits | 78.6901% | 2,700 |
| Total domestic deposits to total assets | 87.8200% | 1,635 |
| Equity capital to assets | 11.8778% | 1,069 |
| Core capital (leverage) ratio | 12.2323% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $279,139,000 | 2,533 |
| Average earning assets | $268,323,250 | 2,471 |
| Average equity | $30,269,250 | 2,243 |
| Average total loans | $173,288,750 | 2,503 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0377% | 428 |
| Cost of funding earning assets | 2.2797% | 289 |
| Net interest margin | 3.7581% | 1,704 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.3743% | 4,435 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.8739% | 165 |
| Return on assets (ROA) | 2.8739% | 163 |
| Pretax return on assets | 2.8739% | 230 |
| Return on Equity (ROE) | 27.3700% | 281 |
| Retained earnings to average equity (ytd only) | 27.3707% | 92 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 32.0796% | 4,529 |
| Assets per employee ($millions) | 16.9066% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,033 |
| Loan loss allowance to noncurrent loans | 555.4656% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 2,901 |
| Noncurrent loans to loans | 0.1434% | 2,753 |
| Net loans and leases to total assets | 63.1900% | 2,468 |
| Net loans and leases to deposits | 71.6382% | 2,676 |
| Net loans and leases to core deposits | 78.5144% | 2,576 |
| Total domestic deposits to total assets | 88.2100% | 1,528 |
| Equity capital to assets | 11.5528% | 1,190 |
| Core capital (leverage) ratio | 11.6925% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $279,275,000 | 2,533 |
| Average earning assets | $268,809,333 | 2,482 |
| Average equity | $29,323,333 | 2,290 |
| Average total loans | $172,140,000 | 2,505 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 401 |
| Cost of funding earning assets | 2.1682% | 209 |
| Net interest margin | 3.6619% | 1,992 |
| Noninterest income to average assets | 1.0900% | 508 |
| Noninterest expense to average assets | 1.4214% | 4,458 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 3.1629% | 139 |
| Return on assets (ROA) | 3.1629% | 139 |
| Pretax return on assets | 3.1629% | 176 |
| Return on Equity (ROE) | 31.6400% | 206 |
| Retained earnings to average equity (ytd only) | 31.6367% | 101 |
| Net charge-offs to loans | 0.0070% | 1,688 |
| Credit loss provision to net charge-offs | 833.3333% | 402 |
| Earnings coverage of net charge-offs (x) | 756.0000% | 148 |
| Efficiency ratio | 30.7692% | 4,602 |
| Assets per employee ($millions) | 17.2790% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 4,085 |
| Loan loss allowance to noncurrent loans | 544.1296% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 2,922 |
| Noncurrent loans to loans | 0.1469% | 2,761 |
| Net loans and leases to total assets | 60.3300% | 2,614 |
| Net loans and leases to deposits | 67.6517% | 2,797 |
| Net loans and leases to core deposits | 74.9013% | 2,606 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 10.6636% | 1,479 |
| Core capital (leverage) ratio | 10.5088% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $283,660,000 | 2,541 |
| Average earning assets | $273,412,500 | 2,486 |
| Average equity | $28,359,500 | 2,367 |
| Average total loans | $172,057,500 | 2,527 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 1,738 |
| Cost of funding earning assets | 0.7931% | 394 |
| Net interest margin | 3.1986% | 2,868 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.5849% | 4,325 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.6776% | 563 |
| Return on assets (ROA) | 1.6776% | 538 |
| Pretax return on assets | 1.6776% | 975 |
| Return on Equity (ROE) | 17.5600% | 770 |
| Retained earnings to average equity (ytd only) | 12.7772% | 540 |
| Net charge-offs to loans | 0.0049% | 2,255 |
| Credit loss provision to net charge-offs | 1,250.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 586.7500% | 296 |
| Efficiency ratio | 48.0407% | 4,234 |
| Assets per employee ($millions) | 18.1785% | 117 |
| Cash dividends to net income (ytd only)* | 27.2312% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,131 |
| Loan loss allowance to noncurrent loans | 518.4314% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 2,934 |
| Noncurrent loans to loans | 0.1449% | 2,788 |
| Net loans and leases to total assets | 60.0500% | 2,625 |
| Net loans and leases to deposits | 66.3148% | 2,873 |
| Net loans and leases to core deposits | 72.7979% | 2,662 |
| Total domestic deposits to total assets | 90.5600% | 1,129 |
| Equity capital to assets | 9.3648% | 2,100 |
| Core capital (leverage) ratio | 9.8438% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $273,836,600 | 2,584 |
| Average earning assets | $250,671,800 | 2,609 |
| Average equity | $26,163,800 | 2,523 |
| Average total loans | $163,478,800 | 2,515 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 2,317 |
| Cost of funding earning assets | 0.4821% | 833 |
| Net interest margin | 3.1274% | 2,838 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.1934% | 4,630 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 2.0110% | 281 |
| Return on assets (ROA) | 2.0110% | 283 |
| Pretax return on assets | 2.0110% | 459 |
| Return on Equity (ROE) | 20.9400% | 366 |
| Retained earnings to average equity (ytd only) | 20.9351% | 85 |
| Net charge-offs to loans | -0.0008% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.8172% | 4,634 |
| Assets per employee ($millions) | 17.4637% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 4,152 |
| Loan loss allowance to noncurrent loans | 18,657.1429% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,001 |
| Noncurrent loans to loans | 0.0041% | 3,931 |
| Net loans and leases to total assets | 60.5800% | 2,440 |
| Net loans and leases to deposits | 67.4550% | 2,582 |
| Net loans and leases to core deposits | 79.0517% | 1,967 |
| Total domestic deposits to total assets | 89.8100% | 1,738 |
| Equity capital to assets | 10.0065% | 1,622 |
| Core capital (leverage) ratio | 10.6862% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $269,581,750 | 2,626 |
| Average earning assets | $242,839,750 | 2,674 |
| Average equity | $25,895,250 | 2,580 |
| Average total loans | $160,352,000 | 2,545 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3963% | 2,448 |
| Cost of funding earning assets | 0.3578% | 1,206 |
| Net interest margin | 3.0385% | 2,767 |
| Noninterest income to average assets | 0.5340% | 2,023 |
| Noninterest expense to average assets | 1.2227% | 4,630 |
| Loan and lease loss provision to assets | 0.0376% | 1,916 |
| Net operating income to assets | 1.9527% | 248 |
| Return on assets (ROA) | 1.9527% | 247 |
| Pretax return on assets | 1.9527% | 419 |
| Return on Equity (ROE) | 20.6292% | 266 |
| Retained earnings to average equity (ytd only) | 20.6292% | 65 |
| Net charge-offs to loans | -0.0013% | 3,066 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0552% | 4,652 |
| Assets per employee ($millions) | 16.0864% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 61.3932% | 2,183 |
| Net loans and leases to deposits | 68.5329% | 2,345 |
| Net loans and leases to core deposits | 92.0270% | 1,018 |
| Total domestic deposits to total assets | 89.5820% | 1,905 |
| Equity capital to assets | 10.2936% | 1,537 |
| Core capital (leverage) ratio | 10.4958% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,302,667 | 2,674 |
| Average earning assets | $234,788,333 | 2,755 |
| Average equity | $25,207,000 | 2,669 |
| Average total loans | $156,941,000 | 2,578 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 1,934 |
| Cost of funding earning assets | 0.4261% | 750 |
| Net interest margin | 3.0298% | 2,408 |
| Noninterest income to average assets | 0.8199% | 995 |
| Noninterest expense to average assets | 1.3680% | 4,562 |
| Loan and lease loss provision to assets | 0.0369% | 1,697 |
| Net operating income to assets | 1.9781% | 231 |
| Return on assets (ROA) | 1.9781% | 234 |
| Pretax return on assets | 1.9781% | 378 |
| Return on Equity (ROE) | 21.8047% | 163 |
| Retained earnings to average equity (ytd only) | 21.8047% | 74 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4367% | 4,635 |
| Assets per employee ($millions) | 16.9877% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 4,233 |
| Loan loss allowance to noncurrent loans | 742.6036% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,397 |
| Noncurrent loans to loans | 0.1085% | 3,295 |
| Net loans and leases to total assets | 60.6228% | 1,998 |
| Net loans and leases to deposits | 67.3389% | 2,212 |
| Net loans and leases to core deposits | 90.6145% | 894 |
| Total domestic deposits to total assets | 90.0265% | 1,549 |
| Equity capital to assets | 9.9025% | 1,972 |
| Core capital (leverage) ratio | 9.4616% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,763,000 | 2,658 |
| Average earning assets | $229,059,500 | 2,818 |
| Average equity | $24,563,500 | 2,799 |
| Average total loans | $155,763,500 | 2,586 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 1,453 |
| Cost of funding earning assets | 0.2978% | 2,428 |
| Net interest margin | 3.6624% | 1,307 |
| Noninterest income to average assets | 0.4118% | 2,990 |
| Noninterest expense to average assets | 2.0282% | 3,587 |
| Loan and lease loss provision to assets | 0.0480% | 2,102 |
| Net operating income to assets | 1.3209% | 1,549 |
| Return on assets (ROA) | 1.3209% | 1,590 |
| Pretax return on assets | 1.3209% | 2,291 |
| Return on Equity (ROE) | 11.9095% | 1,848 |
| Retained earnings to average equity (ytd only) | 7.9439% | 1,568 |
| Net charge-offs to loans | 0.0008% | 2,667 |
| Credit loss provision to net charge-offs | 10,100.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 2,882.0000% | 44 |
| Efficiency ratio | 59.7036% | 3,195 |
| Assets per employee ($millions) | 17.9194% | 136 |
| Cash dividends to net income (ytd only)* | 33.2974% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,282 |
| Loan loss allowance to noncurrent loans | 1,205.8824% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,774 |
| Noncurrent loans to loans | 0.0655% | 3,616 |
| Net loans and leases to total assets | 53.9100% | 2,865 |
| Net loans and leases to deposits | 58.8209% | 3,185 |
| Net loans and leases to core deposits | 76.2686% | 1,897 |
| Total domestic deposits to total assets | 91.6512% | 278 |
| Equity capital to assets | 8.3338% | 4,157 |
| Core capital (leverage) ratio | 10.2907% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,532,000 | 2,983 |
| Average earning assets | $171,607,600 | 3,169 |
| Average equity | $23,351,200 | 2,953 |
| Average total loans | $131,807,600 | 2,834 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 1,272 |
| Cost of funding earning assets | 0.3466% | 2,146 |
| Net interest margin | 3.7679% | 1,189 |
| Noninterest income to average assets | 0.4672% | 2,764 |
| Noninterest expense to average assets | 1.8096% | 4,146 |
| Loan and lease loss provision to assets | 0.0522% | 1,944 |
| Net operating income to assets | 1.7393% | 754 |
| Return on assets (ROA) | 1.7393% | 785 |
| Pretax return on assets | 1.7393% | 1,309 |
| Return on Equity (ROE) | 14.3464% | 1,302 |
| Retained earnings to average equity (ytd only) | 14.3464% | 476 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2514% | 4,201 |
| Assets per employee ($millions) | 12.6241% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,262 |
| Loan loss allowance to noncurrent loans | 1,193.0693% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,819 |
| Noncurrent loans to loans | 0.0716% | 3,734 |
| Net loans and leases to total assets | 69.2081% | 1,164 |
| Net loans and leases to deposits | 78.9542% | 1,390 |
| Net loans and leases to core deposits | 118.4641% | 198 |
| Total domestic deposits to total assets | 87.6560% | 2,028 |
| Equity capital to assets | 12.1479% | 1,332 |
| Core capital (leverage) ratio | 12.6543% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,487,250 | 3,160 |
| Average earning assets | $159,272,500 | 3,313 |
| Average equity | $23,215,500 | 3,001 |
| Average total loans | $125,810,500 | 2,938 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 1,053 |
| Cost of funding earning assets | 0.4099% | 1,804 |
| Net interest margin | 3.8617% | 1,039 |
| Noninterest income to average assets | 0.5915% | 2,259 |
| Noninterest expense to average assets | 2.0065% | 3,679 |
| Loan and lease loss provision to assets | 0.0532% | 1,974 |
| Net operating income to assets | 1.7395% | 818 |
| Return on assets (ROA) | 1.7395% | 861 |
| Pretax return on assets | 1.7395% | 1,388 |
| Return on Equity (ROE) | 14.3578% | 1,318 |
| Retained earnings to average equity (ytd only) | 14.3578% | 503 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8143% | 3,948 |
| Assets per employee ($millions) | 12.6325% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 4,123 |
| Loan loss allowance to noncurrent loans | 710.8434% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,621 |
| Noncurrent loans to loans | 0.1283% | 3,547 |
| Net loans and leases to total assets | 67.6507% | 1,493 |
| Net loans and leases to deposits | 77.4085% | 1,689 |
| Net loans and leases to core deposits | 109.3212% | 379 |
| Total domestic deposits to total assets | 87.3945% | 2,133 |
| Equity capital to assets | 12.4525% | 1,153 |
| Core capital (leverage) ratio | 12.5897% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,988,000 | 3,188 |
| Average earning assets | $156,148,333 | 3,353 |
| Average equity | $22,775,000 | 3,032 |
| Average total loans | $120,749,000 | 2,998 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 517 |
| Cost of funding earning assets | 0.5858% | 934 |
| Net interest margin | 4.1778% | 628 |
| Noninterest income to average assets | 0.8075% | 1,564 |
| Noninterest expense to average assets | 2.4888% | 2,204 |
| Loan and lease loss provision to assets | 0.0534% | 2,039 |
| Net operating income to assets | 1.7240% | 907 |
| Return on assets (ROA) | 1.7240% | 952 |
| Pretax return on assets | 1.7240% | 1,443 |
| Return on Equity (ROE) | 14.4336% | 1,342 |
| Retained earnings to average equity (ytd only) | 14.4336% | 705 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3375% | 3,255 |
| Assets per employee ($millions) | 12.2091% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,919 |
| Loan loss allowance to noncurrent loans | 695.7831% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,740 |
| Noncurrent loans to loans | 0.1408% | 3,616 |
| Net loans and leases to total assets | 63.7403% | 2,080 |
| Net loans and leases to deposits | 72.8778% | 2,226 |
| Net loans and leases to core deposits | 102.3256% | 622 |
| Total domestic deposits to total assets | 87.4618% | 2,114 |
| Equity capital to assets | 12.4322% | 1,104 |
| Core capital (leverage) ratio | 12.5480% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,238,000 | 3,186 |
| Average earning assets | $155,010,000 | 3,364 |
| Average equity | $22,364,500 | 3,054 |
| Average total loans | $116,438,500 | 3,048 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 1,918 |
| Cost of funding earning assets | 0.6915% | 1,764 |
| Net interest margin | 3.5917% | 2,165 |
| Noninterest income to average assets | 0.6614% | 1,982 |
| Noninterest expense to average assets | 2.3930% | 3,150 |
| Loan and lease loss provision to assets | 0.0599% | 3,623 |
| Net operating income to assets | 1.3298% | 1,176 |
| Return on assets (ROA) | 1.3298% | 1,274 |
| Pretax return on assets | 1.3298% | 1,883 |
| Return on Equity (ROE) | 10.1834% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.4078% | 1,631 |
| Net charge-offs to loans | 0.0038% | 3,230 |
| Credit loss provision to net charge-offs | 2,525.0000% | 372 |
| Earnings coverage of net charge-offs (x) | 586.2500% | 201 |
| Efficiency ratio | 63.2618% | 2,933 |
| Assets per employee ($millions) | 12.7559% | 279 |
| Cash dividends to net income (ytd only)* | 37.0766% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,929 |
| Loan loss allowance to noncurrent loans | 680.7229% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,893 |
| Noncurrent loans to loans | 0.1444% | 3,708 |
| Net loans and leases to total assets | 59.5069% | 2,921 |
| Net loans and leases to deposits | 67.2594% | 3,157 |
| Net loans and leases to core deposits | 85.4715% | 1,911 |
| Total domestic deposits to total assets | 88.4739% | 1,244 |
| Equity capital to assets | 11.4775% | 1,900 |
| Core capital (leverage) ratio | 13.1536% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,744,800 | 3,203 |
| Average earning assets | $146,643,800 | 3,308 |
| Average equity | $22,035,800 | 3,002 |
| Average total loans | $105,862,800 | 3,155 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,274 |
| Cost of funding earning assets | 0.6912% | 2,075 |
| Net interest margin | 3.5501% | 2,423 |
| Noninterest income to average assets | 0.8314% | 1,392 |
| Noninterest expense to average assets | 1.7936% | 4,512 |
| Loan and lease loss provision to assets | 0.0613% | 3,575 |
| Net operating income to assets | 2.1549% | 221 |
| Return on assets (ROA) | 2.1549% | 237 |
| Pretax return on assets | 2.1549% | 371 |
| Return on Equity (ROE) | 15.9359% | 553 |
| Retained earnings to average equity (ytd only) | 15.9359% | 161 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7299% | 4,766 |
| Assets per employee ($millions) | 10.2332% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,656 |
| Loan loss allowance to noncurrent loans | 197.5045% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 2,685 |
| Noncurrent loans to loans | 0.5124% | 2,520 |
| Net loans and leases to total assets | 70.6055% | 1,867 |
| Net loans and leases to deposits | 83.3934% | 1,969 |
| Net loans and leases to core deposits | 95.8953% | 1,464 |
| Total domestic deposits to total assets | 84.6656% | 2,568 |
| Equity capital to assets | 15.1051% | 613 |
| Core capital (leverage) ratio | 15.5082% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0865% | 666 |
| Memoranda: | ||
| Average total assets | $163,096,250 | 3,241 |
| Average earning assets | $146,020,500 | 3,291 |
| Average equity | $22,054,500 | 2,997 |
| Average total loans | $103,581,000 | 3,191 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 3,013 |
| Cost of funding earning assets | 0.8258% | 1,699 |
| Net interest margin | 3.2886% | 3,413 |
| Noninterest income to average assets | 1.1041% | 814 |
| Noninterest expense to average assets | 1.5430% | 4,823 |
| Loan and lease loss provision to assets | 0.0601% | 3,552 |
| Net operating income to assets | 2.4511% | 151 |
| Return on assets (ROA) | 2.4511% | 165 |
| Pretax return on assets | 2.4511% | 234 |
| Return on Equity (ROE) | 18.8031% | 318 |
| Retained earnings to average equity (ytd only) | 18.8031% | 107 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0599% | 4,952 |
| Assets per employee ($millions) | 10.9289% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,249 |
| Loan loss allowance to noncurrent loans | 2,927.0270% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,434 |
| Noncurrent loans to loans | 0.0364% | 4,333 |
| Net loans and leases to total assets | 65.6636% | 2,674 |
| Net loans and leases to deposits | 77.2421% | 2,731 |
| Net loans and leases to core deposits | 89.3788% | 2,124 |
| Total domestic deposits to total assets | 85.0102% | 2,398 |
| Equity capital to assets | 14.7630% | 674 |
| Core capital (leverage) ratio | 15.0076% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,295,667 | 3,187 |
| Average earning assets | $149,181,000 | 3,231 |
| Average equity | $21,677,333 | 3,013 |
| Average total loans | $101,612,667 | 3,209 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 2,803 |
| Cost of funding earning assets | 1.1041% | 1,033 |
| Net interest margin | 3.2339% | 3,774 |
| Noninterest income to average assets | 1.6931% | 323 |
| Noninterest expense to average assets | 1.5103% | 4,915 |
| Loan and lease loss provision to assets | 0.0578% | 3,036 |
| Net operating income to assets | 3.0854% | 59 |
| Return on assets (ROA) | 3.0854% | 61 |
| Pretax return on assets | 3.0854% | 83 |
| Return on Equity (ROE) | 25.1437% | 69 |
| Retained earnings to average equity (ytd only) | 25.1437% | 33 |
| Net charge-offs to loans | -0.0039% | 3,787 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4553% | 5,053 |
| Assets per employee ($millions) | 10.6813% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,396 |
| Loan loss allowance to noncurrent loans | 814.6154% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 3,383 |
| Noncurrent loans to loans | 0.1304% | 3,995 |
| Net loans and leases to total assets | 61.5597% | 3,344 |
| Net loans and leases to deposits | 71.4598% | 3,483 |
| Net loans and leases to core deposits | 89.3502% | 2,406 |
| Total domestic deposits to total assets | 86.1459% | 1,947 |
| Equity capital to assets | 13.6587% | 1,160 |
| Core capital (leverage) ratio | 12.3520% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,941,500 | 3,107 |
| Average earning assets | $158,323,000 | 3,123 |
| Average equity | $21,222,000 | 3,054 |
| Average total loans | $101,643,500 | 3,201 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 608 |
| Cost of funding earning assets | 1.3445% | 669 |
| Net interest margin | 4.1040% | 1,530 |
| Noninterest income to average assets | 0.4559% | 2,973 |
| Noninterest expense to average assets | 2.3378% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8982% | 431 |
| Return on assets (ROA) | 1.8982% | 448 |
| Pretax return on assets | 1.8982% | 747 |
| Return on Equity (ROE) | 14.8443% | 718 |
| Retained earnings to average equity (ytd only) | 10.5135% | 396 |
| Net charge-offs to loans | -0.0331% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1878% | 4,302 |
| Assets per employee ($millions) | 12.3775% | 196 |
| Cash dividends to net income (ytd only)* | 29.1750% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 3,834 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.2420% | 3,976 |
| Net loans and leases to deposits | 62.2049% | 4,183 |
| Net loans and leases to core deposits | 77.6482% | 3,469 |
| Total domestic deposits to total assets | 88.8066% | 748 |
| Equity capital to assets | 11.0738% | 2,926 |
| Core capital (leverage) ratio | 12.2801% | 1,610 |
| Tier 1 risk-based capital ratio | 17.9711% | 1,769 |
| Total risk-based capital ratio | 18.8740% | 1,813 |
| Memoranda: | ||
| Average total assets | $158,356,400 | 3,215 |
| Average earning assets | $145,857,400 | 3,211 |
| Average equity | $20,250,200 | 3,110 |
| Average total loans | $99,565,600 | 3,230 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 1,678 |
| Cost of funding earning assets | 0.8825% | 2,308 |
| Net interest margin | 4.0671% | 1,711 |
| Noninterest income to average assets | 0.5095% | 2,671 |
| Noninterest expense to average assets | 1.3198% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.9485% | 92 |
| Return on assets (ROA) | 2.9485% | 96 |
| Pretax return on assets | 2.9485% | 124 |
| Return on Equity (ROE) | 22.1481% | 158 |
| Retained earnings to average equity (ytd only) | 22.1481% | 37 |
| Net charge-offs to loans | -0.0298% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9215% | 5,208 |
| Assets per employee ($millions) | 10.0969% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,718 |
| Loan loss allowance to noncurrent loans | 51,100.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 3,632 |
| Noncurrent loans to loans | 0.0019% | 4,689 |
| Net loans and leases to total assets | 68.6842% | 2,676 |
| Net loans and leases to deposits | 80.4419% | 2,855 |
| Net loans and leases to core deposits | 100.5937% | 1,615 |
| Total domestic deposits to total assets | 85.3837% | 2,260 |
| Equity capital to assets | 14.3819% | 1,012 |
| Core capital (leverage) ratio | 14.8238% | 779 |
| Tier 1 risk-based capital ratio | 20.4472% | 1,296 |
| Total risk-based capital ratio | 21.4066% | 1,308 |
| Memoranda: | ||
| Average total assets | $151,529,750 | 3,307 |
| Average earning assets | $140,048,250 | 3,311 |
| Average equity | $20,172,750 | 3,138 |
| Average total loans | $98,557,750 | 3,288 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 1,554 |
| Cost of funding earning assets | 0.9127% | 2,085 |
| Net interest margin | 4.0603% | 1,726 |
| Noninterest income to average assets | 0.6387% | 1,978 |
| Noninterest expense to average assets | 1.3368% | 5,189 |
| Loan and lease loss provision to assets | 0.0396% | 3,027 |
| Net operating income to assets | 3.0194% | 85 |
| Return on assets (ROA) | 3.0194% | 90 |
| Pretax return on assets | 3.0194% | 121 |
| Return on Equity (ROE) | 23.3037% | 132 |
| Retained earnings to average equity (ytd only) | 23.3037% | 35 |
| Net charge-offs to loans | 0.0622% | 1,755 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 77.2667% | 836 |
| Efficiency ratio | 30.4113% | 5,255 |
| Assets per employee ($millions) | 9.4984% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,306 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 2,051 |
| Noncurrent loans to loans | 0.6334% | 2,353 |
| Net loans and leases to total assets | 65.7879% | 3,135 |
| Net loans and leases to deposits | 77.1698% | 3,229 |
| Net loans and leases to core deposits | 91.8671% | 2,429 |
| Total domestic deposits to total assets | 85.2508% | 2,360 |
| Equity capital to assets | 14.5421% | 935 |
| Core capital (leverage) ratio | 13.9898% | 962 |
| Tier 1 risk-based capital ratio | 20.4938% | 1,255 |
| Total risk-based capital ratio | 21.4829% | 1,275 |
| Memoranda: | ||
| Average total assets | $151,555,000 | 3,334 |
| Average earning assets | $140,237,000 | 3,327 |
| Average equity | $19,636,330 | 3,182 |
| Average total loans | $96,394,670 | 3,332 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 1,413 |
| Cost of funding earning assets | 0.9422% | 1,824 |
| Net interest margin | 4.0289% | 1,766 |
| Noninterest income to average assets | 0.9917% | 828 |
| Noninterest expense to average assets | 1.2813% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.4031% | 73 |
| Return on assets (ROA) | 3.4031% | 75 |
| Pretax return on assets | 3.4031% | 94 |
| Return on Equity (ROE) | 27.8188% | 64 |
| Retained earnings to average equity (ytd only) | 27.8188% | 33 |
| Net charge-offs to loans | -0.1029% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3523% | 5,327 |
| Assets per employee ($millions) | 10.2313% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,189 |
| Loan loss allowance to noncurrent loans | 427.0833% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 3,038 |
| Noncurrent loans to loans | 0.2548% | 3,648 |
| Net loans and leases to total assets | 60.7037% | 3,638 |
| Net loans and leases to deposits | 69.8141% | 3,772 |
| Net loans and leases to core deposits | 89.2767% | 2,580 |
| Total domestic deposits to total assets | 86.9505% | 1,839 |
| Equity capital to assets | 12.8748% | 1,526 |
| Core capital (leverage) ratio | 12.9011% | 1,320 |
| Tier 1 risk-based capital ratio | 20.7424% | 1,208 |
| Total risk-based capital ratio | 21.8184% | 1,214 |
| Memoranda: | ||
| Average total assets | $156,094,500 | 3,329 |
| Average earning assets | $143,066,500 | 3,333 |
| Average equity | $19,095,000 | 3,254 |
| Average total loans | $97,226,000 | 3,363 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 861 |
| Cost of funding earning assets | 0.8731% | 1,199 |
| Net interest margin | 4.2190% | 1,353 |
| Noninterest income to average assets | 0.3276% | 3,914 |
| Noninterest expense to average assets | 2.2311% | 4,271 |
| Loan and lease loss provision to assets | 0.0675% | 2,798 |
| Net operating income to assets | 1.8938% | 453 |
| Return on assets (ROA) | 1.8938% | 449 |
| Pretax return on assets | 1.8938% | 728 |
| Return on Equity (ROE) | 15.0469% | 818 |
| Retained earnings to average equity (ytd only) | 10.2007% | 590 |
| Net charge-offs to loans | -0.0032% | 4,292 |
| Credit loss provision to net charge-offs | -3,233.3333% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2183% | 4,694 |
| Assets per employee ($millions) | 11.3371% | 236 |
| Cash dividends to net income (ytd only)* | 32.2071% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,718 |
| Loan loss allowance to noncurrent loans | 571.4286% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 3,163 |
| Noncurrent loans to loans | 0.1745% | 3,967 |
| Net loans and leases to total assets | 62.5413% | 3,509 |
| Net loans and leases to deposits | 70.8358% | 3,761 |
| Net loans and leases to core deposits | 90.4951% | 2,528 |
| Total domestic deposits to total assets | 88.2906% | 1,164 |
| Equity capital to assets | 11.6123% | 2,169 |
| Core capital (leverage) ratio | 12.3398% | 1,543 |
| Tier 1 risk-based capital ratio | 17.1841% | 2,002 |
| Total risk-based capital ratio | 18.1165% | 2,060 |
| Memoranda: | ||
| Average total assets | $143,786,400 | 3,457 |
| Average earning assets | $131,714,800 | 3,471 |
| Average equity | $18,096,800 | 3,287 |
| Average total loans | $94,568,600 | 3,399 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 1,699 |
| Cost of funding earning assets | 0.5682% | 2,719 |
| Net interest margin | 4.1244% | 1,558 |
| Noninterest income to average assets | 0.4179% | 3,370 |
| Noninterest expense to average assets | 1.4861% | 5,286 |
| Loan and lease loss provision to assets | 0.0704% | 2,556 |
| Net operating income to assets | 2.6618% | 121 |
| Return on assets (ROA) | 2.6618% | 119 |
| Pretax return on assets | 2.6618% | 175 |
| Return on Equity (ROE) | 20.6954% | 231 |
| Retained earnings to average equity (ytd only) | 20.6954% | 50 |
| Net charge-offs to loans | -0.0014% | 4,048 |
| Credit loss provision to net charge-offs | -7,400.0000% | 4,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2291% | 5,397 |
| Assets per employee ($millions) | 10.8146% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,012 |
| Loan loss allowance to noncurrent loans | 285.0877% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,661 |
| Noncurrent loans to loans | 0.3366% | 3,456 |
| Net loans and leases to total assets | 66.4599% | 3,129 |
| Net loans and leases to deposits | 76.3922% | 3,381 |
| Net loans and leases to core deposits | 103.6998% | 1,476 |
| Total domestic deposits to total assets | 86.9984% | 1,734 |
| Equity capital to assets | 12.8015% | 1,418 |
| Core capital (leverage) ratio | 14.0620% | 922 |
| Tier 1 risk-based capital ratio | 18.5389% | 1,650 |
| Total risk-based capital ratio | 19.4714% | 1,691 |
| Memoranda: | ||
| Average total assets | $140,053,250 | 3,540 |
| Average earning assets | $129,049,250 | 3,541 |
| Average equity | $18,013,250 | 3,314 |
| Average total loans | $93,144,500 | 3,446 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 1,891 |
| Cost of funding earning assets | 0.4872% | 3,112 |
| Net interest margin | 4.0757% | 1,626 |
| Noninterest income to average assets | 0.5973% | 2,331 |
| Noninterest expense to average assets | 1.3811% | 5,402 |
| Loan and lease loss provision to assets | 0.0734% | 2,417 |
| Net operating income to assets | 2.8634% | 94 |
| Return on assets (ROA) | 2.8634% | 94 |
| Pretax return on assets | 2.8634% | 134 |
| Return on Equity (ROE) | 22.2248% | 154 |
| Retained earnings to average equity (ytd only) | 22.2248% | 46 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9850% | 5,482 |
| Assets per employee ($millions) | 9.4356% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,911 |
| Loan loss allowance to noncurrent loans | 7,916.6667% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 3,142 |
| Noncurrent loans to loans | 0.0125% | 4,891 |
| Net loans and leases to total assets | 71.9171% | 2,288 |
| Net loans and leases to deposits | 83.8217% | 2,558 |
| Net loans and leases to core deposits | 106.5834% | 1,201 |
| Total domestic deposits to total assets | 85.7977% | 2,374 |
| Equity capital to assets | 14.0320% | 923 |
| Core capital (leverage) ratio | 13.7089% | 991 |
| Tier 1 risk-based capital ratio | 19.5453% | 1,419 |
| Total risk-based capital ratio | 20.5470% | 1,436 |
| Memoranda: | ||
| Average total assets | $136,269,670 | 3,619 |
| Average earning assets | $124,395,000 | 3,641 |
| Average equity | $17,557,000 | 3,386 |
| Average total loans | $90,326,670 | 3,507 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,373 |
| Cost of funding earning assets | 0.5361% | 2,502 |
| Net interest margin | 3.8073% | 2,398 |
| Noninterest income to average assets | 0.8818% | 1,195 |
| Noninterest expense to average assets | 1.4427% | 5,435 |
| Loan and lease loss provision to assets | 0.0723% | 2,315 |
| Net operating income to assets | 2.7957% | 93 |
| Return on assets (ROA) | 2.7957% | 93 |
| Pretax return on assets | 2.7957% | 138 |
| Return on Equity (ROE) | 22.6630% | 138 |
| Retained earnings to average equity (ytd only) | 22.6630% | 67 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4675% | 5,542 |
| Assets per employee ($millions) | 10.0125% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,363 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.2636% | 3,517 |
| Net loans and leases to deposits | 71.2724% | 3,678 |
| Net loans and leases to core deposits | 89.7045% | 2,474 |
| Total domestic deposits to total assets | 87.3601% | 1,975 |
| Equity capital to assets | 12.5208% | 1,475 |
| Core capital (leverage) ratio | 12.6847% | 1,298 |
| Tier 1 risk-based capital ratio | 19.4155% | 1,450 |
| Total risk-based capital ratio | 20.4387% | 1,463 |
| Memoranda: | ||
| Average total assets | $138,355,500 | 3,628 |
| Average earning assets | $124,602,500 | 3,668 |
| Average equity | $17,067,500 | 3,467 |
| Average total loans | $87,514,500 | 3,597 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 3,082 |
| Cost of funding earning assets | 0.3280% | 3,893 |
| Net interest margin | 3.7653% | 2,545 |
| Noninterest income to average assets | 0.6505% | 2,191 |
| Noninterest expense to average assets | 1.9529% | 5,041 |
| Loan and lease loss provision to assets | 0.1066% | 2,100 |
| Net operating income to assets | 1.8823% | 354 |
| Return on assets (ROA) | 1.8823% | 362 |
| Pretax return on assets | 1.8823% | 624 |
| Return on Equity (ROE) | 15.2652% | 572 |
| Retained earnings to average equity (ytd only) | 10.7142% | 273 |
| Net charge-offs to loans | 0.1133% | 1,924 |
| Credit loss provision to net charge-offs | 151.0204% | 1,769 |
| Earnings coverage of net charge-offs (x) | 28.1735% | 1,612 |
| Efficiency ratio | 49.5431% | 5,243 |
| Assets per employee ($millions) | 9.7526% | 348 |
| Cash dividends to net income (ytd only)* | 29.8125% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 3,354 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.9329% | 3,494 |
| Net loans and leases to deposits | 71.6970% | 3,731 |
| Net loans and leases to core deposits | 89.5968% | 2,606 |
| Total domestic deposits to total assets | 87.7761% | 1,615 |
| Equity capital to assets | 12.1462% | 1,734 |
| Core capital (leverage) ratio | 12.1287% | 1,542 |
| Tier 1 risk-based capital ratio | 19.1964% | 1,471 |
| Total risk-based capital ratio | 20.2382% | 1,467 |
| Memoranda: | ||
| Average total assets | $138,819,400 | 3,629 |
| Average earning assets | $121,344,600 | 3,718 |
| Average equity | $17,117,400 | 3,477 |
| Average total loans | $86,530,600 | 3,600 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,375 |
| Cost of funding earning assets | 0.3161% | 3,974 |
| Net interest margin | 3.6794% | 2,825 |
| Noninterest income to average assets | 0.8150% | 1,534 |
| Noninterest expense to average assets | 1.3066% | 5,615 |
| Loan and lease loss provision to assets | 0.1444% | 1,458 |
| Net operating income to assets | 2.5817% | 121 |
| Return on assets (ROA) | 2.5817% | 122 |
| Pretax return on assets | 2.5817% | 187 |
| Return on Equity (ROE) | 20.8604% | 182 |
| Retained earnings to average equity (ytd only) | 20.8604% | 46 |
| Net charge-offs to loans | 0.0015% | 3,720 |
| Credit loss provision to net charge-offs | 15,100.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 2,857.0752% | 22 |
| Efficiency ratio | 32.4004% | 5,680 |
| Assets per employee ($millions) | 9.8746% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,594 |
| Loan loss allowance to noncurrent loans | 2,325.5814% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 3,418 |
| Noncurrent loans to loans | 0.0465% | 4,906 |
| Net loans and leases to total assets | 66.2242% | 3,072 |
| Net loans and leases to deposits | 75.9432% | 3,381 |
| Net loans and leases to core deposits | 95.8730% | 2,089 |
| Total domestic deposits to total assets | 87.2023% | 1,771 |
| Equity capital to assets | 12.6219% | 1,592 |
| Core capital (leverage) ratio | 12.2171% | 1,558 |
| Tier 1 risk-based capital ratio | 17.8821% | 1,885 |
| Total risk-based capital ratio | 18.9069% | 1,896 |
| Memoranda: | ||
| Average total assets | $139,390,250 | 3,656 |
| Average earning assets | $121,899,750 | 3,755 |
| Average equity | $17,250,750 | 3,497 |
| Average total loans | $86,456,750 | 3,625 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,629 |
| Cost of funding earning assets | 0.3010% | 4,069 |
| Net interest margin | 3.5784% | 3,114 |
| Noninterest income to average assets | 0.8442% | 1,428 |
| Noninterest expense to average assets | 1.2964% | 5,674 |
| Loan and lease loss provision to assets | 0.1488% | 1,363 |
| Net operating income to assets | 2.4783% | 137 |
| Return on assets (ROA) | 2.4783% | 136 |
| Pretax return on assets | 2.4783% | 222 |
| Return on Equity (ROE) | 20.1575% | 211 |
| Retained earnings to average equity (ytd only) | 20.1575% | 58 |
| Net charge-offs to loans | 0.0095% | 3,126 |
| Credit loss provision to net charge-offs | 2,600.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 182 |
| Efficiency ratio | 33.0416% | 5,726 |
| Assets per employee ($millions) | 10.9312% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,803 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,552 |
| Noncurrent loans to loans | 0.0445% | 4,972 |
| Net loans and leases to total assets | 62.5259% | 3,574 |
| Net loans and leases to deposits | 71.6903% | 3,768 |
| Net loans and leases to core deposits | 83.2464% | 3,150 |
| Total domestic deposits to total assets | 87.2166% | 1,849 |
| Equity capital to assets | 12.6589% | 1,541 |
| Core capital (leverage) ratio | 12.9076% | 1,210 |
| Tier 1 risk-based capital ratio | 19.0855% | 1,582 |
| Total risk-based capital ratio | 20.0934% | 1,582 |
| Memoranda: | ||
| Average total assets | $139,772,330 | 3,670 |
| Average earning assets | $120,275,670 | 3,804 |
| Average equity | $17,184,670 | 3,510 |
| Average total loans | $84,425,330 | 3,691 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 3,964 |
| Cost of funding earning assets | 0.3135% | 3,916 |
| Net interest margin | 3.4281% | 3,535 |
| Noninterest income to average assets | 1.5901% | 441 |
| Noninterest expense to average assets | 1.3679% | 5,709 |
| Loan and lease loss provision to assets | 0.1212% | 1,581 |
| Net operating income to assets | 3.0360% | 91 |
| Return on assets (ROA) | 3.0360% | 93 |
| Pretax return on assets | 3.0360% | 132 |
| Return on Equity (ROE) | 25.0737% | 86 |
| Retained earnings to average equity (ytd only) | 25.0737% | 51 |
| Net charge-offs to loans | -0.0392% | 5,064 |
| Credit loss provision to net charge-offs | -525.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2296% | 5,802 |
| Assets per employee ($millions) | 10.6735% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,635 |
| Loan loss allowance to noncurrent loans | 6,428.5714% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 3,420 |
| Noncurrent loans to loans | 0.0173% | 5,164 |
| Net loans and leases to total assets | 57.6015% | 4,008 |
| Net loans and leases to deposits | 65.8762% | 4,183 |
| Net loans and leases to core deposits | 76.9146% | 3,568 |
| Total domestic deposits to total assets | 87.4390% | 2,021 |
| Equity capital to assets | 12.4745% | 1,560 |
| Core capital (leverage) ratio | 12.3714% | 1,410 |
| Tier 1 risk-based capital ratio | 20.0807% | 1,375 |
| Total risk-based capital ratio | 21.1249% | 1,387 |
| Memoranda: | ||
| Average total assets | $138,605,500 | 3,717 |
| Average earning assets | $118,665,500 | 3,856 |
| Average equity | $16,782,500 | 3,571 |
| Average total loans | $81,736,500 | 3,773 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,456 |
| Cost of funding earning assets | 0.3156% | 3,896 |
| Net interest margin | 3.6141% | 3,025 |
| Noninterest income to average assets | 0.4143% | 3,781 |
| Noninterest expense to average assets | 2.0455% | 5,101 |
| Loan and lease loss provision to assets | 0.3009% | 627 |
| Net operating income to assets | 1.0773% | 2,003 |
| Return on assets (ROA) | 1.0773% | 2,103 |
| Pretax return on assets | 1.0773% | 3,192 |
| Return on Equity (ROE) | 8.7211% | 2,555 |
| Retained earnings to average equity (ytd only) | 3.4329% | 3,486 |
| Net charge-offs to loans | 0.0650% | 2,767 |
| Credit loss provision to net charge-offs | 760.3774% | 480 |
| Earnings coverage of net charge-offs (x) | 34.8302% | 1,305 |
| Efficiency ratio | 59.7471% | 4,624 |
| Assets per employee ($millions) | 10.6505% | 251 |
| Cash dividends to net income (ytd only)* | 60.6376% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 3,531 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.0787% | 3,953 |
| Net loans and leases to deposits | 66.9893% | 4,171 |
| Net loans and leases to core deposits | 78.8414% | 3,494 |
| Total domestic deposits to total assets | 88.1912% | 1,541 |
| Equity capital to assets | 11.7409% | 1,976 |
| Core capital (leverage) ratio | 12.0160% | 1,588 |
| Tier 1 risk-based capital ratio | 19.4278% | 1,498 |
| Total risk-based capital ratio | 20.4436% | 1,510 |
| Memoranda: | ||
| Average total assets | $133,951,200 | 3,768 |
| Average earning assets | $111,536,200 | 3,981 |
| Average equity | $16,546,000 | 3,619 |
| Average total loans | $81,553,200 | 3,773 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,148 |
| Cost of funding earning assets | 0.3237% | 3,829 |
| Net interest margin | 3.6962% | 2,730 |
| Noninterest income to average assets | 0.5300% | 3,044 |
| Noninterest expense to average assets | 1.4194% | 5,813 |
| Loan and lease loss provision to assets | 0.3001% | 566 |
| Net operating income to assets | 1.8249% | 460 |
| Return on assets (ROA) | 1.8249% | 487 |
| Pretax return on assets | 1.8249% | 852 |
| Return on Equity (ROE) | 14.5858% | 724 |
| Retained earnings to average equity (ytd only) | 14.5858% | 146 |
| Net charge-offs to loans | -0.0016% | 4,472 |
| Credit loss provision to net charge-offs | -29,900.0000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0453% | 5,831 |
| Assets per employee ($millions) | 10.1579% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,710 |
| Loan loss allowance to noncurrent loans | 286.7384% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 1,118 |
| Noncurrent loans to loans | 0.3274% | 4,083 |
| Net loans and leases to total assets | 63.9357% | 3,411 |
| Net loans and leases to deposits | 73.8571% | 3,612 |
| Net loans and leases to core deposits | 85.2629% | 3,014 |
| Total domestic deposits to total assets | 86.5668% | 2,103 |
| Equity capital to assets | 13.2576% | 1,368 |
| Core capital (leverage) ratio | 12.9998% | 1,194 |
| Tier 1 risk-based capital ratio | 19.7754% | 1,490 |
| Total risk-based capital ratio | 20.6791% | 1,525 |
| Memoranda: | ||
| Average total assets | $132,825,000 | 3,812 |
| Average earning assets | $108,325,250 | 4,060 |
| Average equity | $16,618,500 | 3,636 |
| Average total loans | $81,279,500 | 3,795 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 3,626 |
| Cost of funding earning assets | 0.3175% | 3,930 |
| Net interest margin | 3.5783% | 3,181 |
| Noninterest income to average assets | 0.6162% | 2,534 |
| Noninterest expense to average assets | 1.4668% | 5,859 |
| Loan and lease loss provision to assets | 0.3006% | 601 |
| Net operating income to assets | 1.7793% | 491 |
| Return on assets (ROA) | 1.7793% | 520 |
| Pretax return on assets | 1.7793% | 922 |
| Return on Equity (ROE) | 14.5077% | 745 |
| Retained earnings to average equity (ytd only) | 14.5077% | 160 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3559% | 5,879 |
| Assets per employee ($millions) | 11.0782% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 5,120 |
| Loan loss allowance to noncurrent loans | 2,121.2121% | 311 |
| Noncurrent assets plus other real estate owned to assets | 1.4202% | 1,373 |
| Noncurrent loans to loans | 0.0402% | 5,304 |
| Net loans and leases to total assets | 61.1721% | 3,732 |
| Net loans and leases to deposits | 70.1690% | 3,968 |
| Net loans and leases to core deposits | 79.6141% | 3,502 |
| Total domestic deposits to total assets | 87.1782% | 1,823 |
| Equity capital to assets | 12.6924% | 1,665 |
| Core capital (leverage) ratio | 12.4335% | 1,391 |
| Tier 1 risk-based capital ratio | 19.5122% | 1,565 |
| Total risk-based capital ratio | 20.3217% | 1,643 |
| Memoranda: | ||
| Average total assets | $133,082,330 | 3,824 |
| Average earning assets | $108,990,670 | 4,080 |
| Average equity | $16,322,330 | 3,691 |
| Average total loans | $79,963,000 | 3,843 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 3,696 |
| Cost of funding earning assets | 0.3184% | 3,966 |
| Net interest margin | 3.5512% | 3,273 |
| Noninterest income to average assets | 1.1265% | 860 |
| Noninterest expense to average assets | 1.5200% | 5,901 |
| Loan and lease loss provision to assets | 0.3004% | 522 |
| Net operating income to assets | 2.1539% | 246 |
| Return on assets (ROA) | 2.1539% | 260 |
| Pretax return on assets | 2.1539% | 416 |
| Return on Equity (ROE) | 17.8725% | 365 |
| Retained earnings to average equity (ytd only) | 17.8725% | 130 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2464% | 5,998 |
| Assets per employee ($millions) | 11.4187% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 5,500 |
| Loan loss allowance to noncurrent loans | 4,615.3846% | 168 |
| Noncurrent assets plus other real estate owned to assets | 1.6917% | 1,149 |
| Noncurrent loans to loans | 0.0162% | 5,450 |
| Net loans and leases to total assets | 57.9898% | 4,043 |
| Net loans and leases to deposits | 65.9430% | 4,266 |
| Net loans and leases to core deposits | 73.8599% | 3,909 |
| Total domestic deposits to total assets | 87.9393% | 1,676 |
| Equity capital to assets | 11.9724% | 2,046 |
| Core capital (leverage) ratio | 12.3612% | 1,402 |
| Tier 1 risk-based capital ratio | 19.1241% | 1,703 |
| Total risk-based capital ratio | 19.8235% | 1,790 |
| Memoranda: | ||
| Average total assets | $133,154,500 | 3,859 |
| Average earning assets | $106,781,500 | 4,150 |
| Average equity | $16,047,000 | 3,728 |
| Average total loans | $78,934,000 | 3,888 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,313 |
| Cost of funding earning assets | 0.3362% | 3,834 |
| Net interest margin | 4.2716% | 1,020 |
| Noninterest income to average assets | 0.4849% | 3,433 |
| Noninterest expense to average assets | 2.2763% | 4,856 |
| Loan and lease loss provision to assets | 0.3410% | 444 |
| Net operating income to assets | 1.2338% | 1,440 |
| Return on assets (ROA) | 1.2338% | 1,493 |
| Pretax return on assets | 1.2338% | 2,526 |
| Return on Equity (ROE) | 9.4676% | 2,234 |
| Retained earnings to average equity (ytd only) | 3.9778% | 3,201 |
| Net charge-offs to loans | 0.2085% | 1,413 |
| Credit loss provision to net charge-offs | 249.7006% | 1,160 |
| Earnings coverage of net charge-offs (x) | 11.5329% | 2,564 |
| Efficiency ratio | 59.1083% | 5,016 |
| Assets per employee ($millions) | 10.7738% | 214 |
| Cash dividends to net income (ytd only)* | 57.9854% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 5,734 |
| Loan loss allowance to noncurrent loans | 8,333.3333% | 116 |
| Noncurrent assets plus other real estate owned to assets | 1.9167% | 946 |
| Noncurrent loans to loans | 0.0077% | 5,513 |
| Net loans and leases to total assets | 59.7966% | 3,866 |
| Net loans and leases to deposits | 68.1032% | 4,120 |
| Net loans and leases to core deposits | 75.9053% | 3,765 |
| Total domestic deposits to total assets | 87.8029% | 1,748 |
| Equity capital to assets | 12.1352% | 1,860 |
| Core capital (leverage) ratio | 12.7214% | 1,254 |
| Tier 1 risk-based capital ratio | 19.6068% | 1,562 |
| Total risk-based capital ratio | 20.2317% | 1,666 |
| Memoranda: | ||
| Average total assets | $122,304,400 | 4,031 |
| Average earning assets | $96,379,800 | 4,386 |
| Average equity | $15,938,600 | 3,685 |
| Average total loans | $80,087,600 | 3,825 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,715 |
| Cost of funding earning assets | 0.3394% | 3,864 |
| Net interest margin | 4.1249% | 1,337 |
| Noninterest income to average assets | 0.5264% | 3,190 |
| Noninterest expense to average assets | 1.4753% | 6,057 |
| Loan and lease loss provision to assets | 0.3318% | 417 |
| Net operating income to assets | 1.9719% | 380 |
| Return on assets (ROA) | 1.9719% | 393 |
| Pretax return on assets | 1.9719% | 633 |
| Return on Equity (ROE) | 14.8570% | 745 |
| Retained earnings to average equity (ytd only) | 14.8570% | 171 |
| Net charge-offs to loans | 0.0413% | 3,059 |
| Credit loss provision to net charge-offs | 1,200.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 83.3261% | 720 |
| Efficiency ratio | 39.0401% | 6,144 |
| Assets per employee ($millions) | 9.9062% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 5,842 |
| Loan loss allowance to noncurrent loans | 77.0925% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.8190% | 566 |
| Noncurrent loans to loans | 0.8248% | 2,907 |
| Net loans and leases to total assets | 69.0117% | 2,536 |
| Net loans and leases to deposits | 80.5801% | 2,810 |
| Net loans and leases to core deposits | 90.6957% | 2,388 |
| Total domestic deposits to total assets | 85.6436% | 2,719 |
| Equity capital to assets | 14.1646% | 955 |
| Core capital (leverage) ratio | 14.3004% | 787 |
| Tier 1 risk-based capital ratio | 19.5341% | 1,657 |
| Total risk-based capital ratio | 20.1432% | 1,767 |
| Memoranda: | ||
| Average total assets | $120,559,250 | 4,108 |
| Average earning assets | $95,061,750 | 4,456 |
| Average equity | $16,001,000 | 3,712 |
| Average total loans | $80,657,500 | 3,836 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,461 |
| Cost of funding earning assets | 0.3386% | 3,942 |
| Net interest margin | 3.8849% | 2,035 |
| Noninterest income to average assets | 0.7133% | 2,163 |
| Noninterest expense to average assets | 1.4828% | 6,124 |
| Loan and lease loss provision to assets | 0.3302% | 417 |
| Net operating income to assets | 1.9881% | 369 |
| Return on assets (ROA) | 1.9881% | 386 |
| Pretax return on assets | 1.9881% | 612 |
| Return on Equity (ROE) | 15.3161% | 692 |
| Retained earnings to average equity (ytd only) | 15.3161% | 175 |
| Net charge-offs to loans | 0.0625% | 2,484 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 56.1600% | 881 |
| Efficiency ratio | 39.0096% | 6,222 |
| Assets per employee ($millions) | 9.7964% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 6,077 |
| Loan loss allowance to noncurrent loans | 18.5752% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 2.6864% | 671 |
| Noncurrent loans to loans | 2.7745% | 757 |
| Net loans and leases to total assets | 69.7883% | 2,346 |
| Net loans and leases to deposits | 81.1460% | 2,651 |
| Net loans and leases to core deposits | 89.5791% | 2,386 |
| Total domestic deposits to total assets | 86.0034% | 2,691 |
| Equity capital to assets | 13.8307% | 1,039 |
| Core capital (leverage) ratio | 13.6037% | 955 |
| Tier 1 risk-based capital ratio | 18.7926% | 1,842 |
| Total risk-based capital ratio | 19.2838% | 2,010 |
| Memoranda: | ||
| Average total assets | $121,121,000 | 4,138 |
| Average earning assets | $96,269,000 | 4,459 |
| Average equity | $15,722,000 | 3,773 |
| Average total loans | $80,022,670 | 3,880 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,285 |
| Cost of funding earning assets | 0.3364% | 4,017 |
| Net interest margin | 3.9100% | 1,860 |
| Noninterest income to average assets | 1.2465% | 734 |
| Noninterest expense to average assets | 1.4190% | 6,223 |
| Loan and lease loss provision to assets | 0.3352% | 401 |
| Net operating income to assets | 2.5939% | 130 |
| Return on assets (ROA) | 2.5939% | 140 |
| Pretax return on assets | 2.5939% | 209 |
| Return on Equity (ROE) | 20.6296% | 244 |
| Retained earnings to average equity (ytd only) | 20.6296% | 92 |
| Net charge-offs to loans | 0.0152% | 2,861 |
| Credit loss provision to net charge-offs | 3,433.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 189 |
| Efficiency ratio | 32.6347% | 6,347 |
| Assets per employee ($millions) | 10.0433% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4390% | 6,213 |
| Loan loss allowance to noncurrent loans | 39.1061% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 3,262 |
| Noncurrent loans to loans | 1.1226% | 2,528 |
| Net loans and leases to total assets | 65.8604% | 2,802 |
| Net loans and leases to deposits | 75.9380% | 3,063 |
| Net loans and leases to core deposits | 82.2079% | 2,945 |
| Total domestic deposits to total assets | 86.7292% | 2,537 |
| Equity capital to assets | 13.1530% | 1,327 |
| Core capital (leverage) ratio | 13.2079% | 1,086 |
| Tier 1 risk-based capital ratio | 19.0168% | 1,863 |
| Total risk-based capital ratio | 19.4366% | 2,040 |
| Memoranda: | ||
| Average total assets | $122,903,000 | 4,130 |
| Average earning assets | $97,494,000 | 4,471 |
| Average equity | $15,453,500 | 3,844 |
| Average total loans | $78,801,000 | 3,937 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 2,239 |
| Cost of funding earning assets | 0.3857% | 3,843 |
| Net interest margin | 4.0098% | 1,872 |
| Noninterest income to average assets | 0.3551% | 4,558 |
| Noninterest expense to average assets | 1.9872% | 5,788 |
| Loan and lease loss provision to assets | 0.7880% | 156 |
| Net operating income to assets | 0.7922% | 3,415 |
| Return on assets (ROA) | 0.7922% | 3,509 |
| Pretax return on assets | 0.7922% | 4,290 |
| Return on Equity (ROE) | 6.0945% | 4,096 |
| Retained earnings to average equity (ytd only) | 0.2963% | 5,646 |
| Net charge-offs to loans | 1.0306% | 286 |
| Credit loss provision to net charge-offs | 118.9633% | 2,026 |
| Earnings coverage of net charge-offs (x) | 2.3856% | 4,165 |
| Efficiency ratio | 55.7042% | 5,696 |
| Assets per employee ($millions) | 10.4405% | 216 |
| Cash dividends to net income (ytd only)* | 95.1374% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3210% | 6,373 |
| Loan loss allowance to noncurrent loans | 27.9018% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 3,428 |
| Noncurrent loans to loans | 1.1505% | 2,540 |
| Net loans and leases to total assets | 61.9598% | 3,507 |
| Net loans and leases to deposits | 70.5027% | 3,843 |
| Net loans and leases to core deposits | 75.4906% | 3,768 |
| Total domestic deposits to total assets | 87.8829% | 1,833 |
| Equity capital to assets | 11.8649% | 2,114 |
| Core capital (leverage) ratio | 12.6838% | 1,262 |
| Tier 1 risk-based capital ratio | 17.6412% | 2,266 |
| Total risk-based capital ratio | 17.9379% | 2,589 |
| Memoranda: | ||
| Average total assets | $119,416,800 | 4,191 |
| Average earning assets | $95,665,800 | 4,515 |
| Average equity | $15,522,200 | 3,742 |
| Average total loans | $76,751,600 | 3,978 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 2,467 |
| Cost of funding earning assets | 0.3951% | 3,841 |
| Net interest margin | 3.9427% | 2,065 |
| Noninterest income to average assets | 0.4081% | 4,180 |
| Noninterest expense to average assets | 1.4164% | 6,394 |
| Loan and lease loss provision to assets | 0.3289% | 564 |
| Net operating income to assets | 1.8550% | 458 |
| Return on assets (ROA) | 1.8550% | 472 |
| Pretax return on assets | 1.8550% | 792 |
| Return on Equity (ROE) | 13.9480% | 995 |
| Retained earnings to average equity (ytd only) | 13.9480% | 256 |
| Net charge-offs to loans | -0.0157% | 5,547 |
| Credit loss provision to net charge-offs | -3,233.3333% | 6,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3407% | 6,464 |
| Assets per employee ($millions) | 9.2710% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4979% | 6,343 |
| Loan loss allowance to noncurrent loans | 23.5018% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5299% | 2,010 |
| Noncurrent loans to loans | 2.1188% | 1,474 |
| Net loans and leases to total assets | 71.8459% | 1,878 |
| Net loans and leases to deposits | 84.5373% | 2,084 |
| Net loans and leases to core deposits | 91.6334% | 2,063 |
| Total domestic deposits to total assets | 84.9872% | 3,340 |
| Equity capital to assets | 14.7952% | 773 |
| Core capital (leverage) ratio | 14.6134% | 695 |
| Tier 1 risk-based capital ratio | 19.5399% | 1,774 |
| Total risk-based capital ratio | 20.0147% | 1,933 |
| Memoranda: | ||
| Average total assets | $117,949,500 | 4,262 |
| Average earning assets | $95,499,500 | 4,561 |
| Average equity | $15,686,500 | 3,738 |
| Average total loans | $76,470,250 | 4,014 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 2,219 |
| Cost of funding earning assets | 0.4000% | 3,867 |
| Net interest margin | 3.9871% | 1,852 |
| Noninterest income to average assets | 0.4976% | 3,498 |
| Noninterest expense to average assets | 1.4245% | 6,453 |
| Loan and lease loss provision to assets | 0.3179% | 603 |
| Net operating income to assets | 1.9404% | 380 |
| Return on assets (ROA) | 1.9404% | 395 |
| Pretax return on assets | 1.9404% | 627 |
| Return on Equity (ROE) | 15.1147% | 778 |
| Retained earnings to average equity (ytd only) | 15.1147% | 209 |
| Net charge-offs to loans | -0.0239% | 5,599 |
| Credit loss provision to net charge-offs | -2,122.2222% | 5,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6805% | 6,548 |
| Assets per employee ($millions) | 9.5130% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3849% | 6,493 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,266 |
| Noncurrent loans to loans | 0.0038% | 6,095 |
| Net loans and leases to total assets | 68.0183% | 2,410 |
| Net loans and leases to deposits | 79.2599% | 2,618 |
| Net loans and leases to core deposits | 89.8131% | 2,141 |
| Total domestic deposits to total assets | 85.8168% | 3,141 |
| Equity capital to assets | 14.0028% | 969 |
| Core capital (leverage) ratio | 13.7419% | 904 |
| Tier 1 risk-based capital ratio | 18.4845% | 2,073 |
| Total risk-based capital ratio | 18.8314% | 2,361 |
| Memoranda: | ||
| Average total assets | $120,182,000 | 4,236 |
| Average earning assets | $96,009,670 | 4,579 |
| Average equity | $15,428,670 | 3,783 |
| Average total loans | $75,183,670 | 4,069 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,808 |
| Cost of funding earning assets | 0.4259% | 3,687 |
| Net interest margin | 3.7920% | 2,504 |
| Noninterest income to average assets | 0.8507% | 1,559 |
| Noninterest expense to average assets | 1.4027% | 6,559 |
| Loan and lease loss provision to assets | 0.2987% | 650 |
| Net operating income to assets | 2.1559% | 259 |
| Return on assets (ROA) | 2.1559% | 272 |
| Pretax return on assets | 2.1559% | 387 |
| Return on Equity (ROE) | 17.5308% | 479 |
| Retained earnings to average equity (ytd only) | 17.5308% | 196 |
| Net charge-offs to loans | -0.0434% | 5,749 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3636% | 6,637 |
| Assets per employee ($millions) | 9.9993% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2716% | 6,615 |
| Loan loss allowance to noncurrent loans | 20,000.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,352 |
| Noncurrent loans to loans | 0.0014% | 6,200 |
| Net loans and leases to total assets | 61.1954% | 3,364 |
| Net loans and leases to deposits | 70.3828% | 3,551 |
| Net loans and leases to core deposits | 82.9791% | 2,646 |
| Total domestic deposits to total assets | 86.9465% | 2,848 |
| Equity capital to assets | 12.9026% | 1,352 |
| Core capital (leverage) ratio | 13.3895% | 1,010 |
| Tier 1 risk-based capital ratio | 19.3687% | 1,865 |
| Total risk-based capital ratio | 19.6189% | 2,125 |
| Memoranda: | ||
| Average total assets | $123,195,000 | 4,208 |
| Average earning assets | $97,679,500 | 4,580 |
| Average equity | $15,150,500 | 3,840 |
| Average total loans | $73,802,000 | 4,140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 3,339 |
| Cost of funding earning assets | 0.3949% | 4,704 |
| Net interest margin | 3.8083% | 2,629 |
| Noninterest income to average assets | 0.2731% | 5,401 |
| Noninterest expense to average assets | 1.7995% | 6,321 |
| Loan and lease loss provision to assets | 0.0541% | 4,058 |
| Net operating income to assets | 1.5839% | 712 |
| Return on assets (ROA) | 1.5839% | 734 |
| Pretax return on assets | 1.5839% | 1,210 |
| Return on Equity (ROE) | 12.4747% | 1,287 |
| Retained earnings to average equity (ytd only) | 4.8154% | 2,721 |
| Net charge-offs to loans | 0.0202% | 5,034 |
| Credit loss provision to net charge-offs | 457.1429% | 503 |
| Earnings coverage of net charge-offs (x) | 138.3571% | 335 |
| Efficiency ratio | 52.3493% | 6,269 |
| Assets per employee ($millions) | 10.5333% | 198 |
| Cash dividends to net income (ytd only)* | 61.3988% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1352% | 6,727 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 6,134 |
| Noncurrent loans to loans | 0.1217% | 5,835 |
| Net loans and leases to total assets | 58.4459% | 3,963 |
| Net loans and leases to deposits | 66.2818% | 4,269 |
| Net loans and leases to core deposits | 78.1779% | 3,337 |
| Total domestic deposits to total assets | 88.1779% | 2,072 |
| Equity capital to assets | 11.7240% | 2,011 |
| Core capital (leverage) ratio | 12.5097% | 1,354 |
| Tier 1 risk-based capital ratio | 18.7540% | 1,992 |
| Total risk-based capital ratio | 18.8805% | 2,347 |
| Memoranda: | ||
| Average total assets | $118,253,800 | 4,306 |
| Average earning assets | $98,259,800 | 4,561 |
| Average equity | $15,014,400 | 3,873 |
| Average total loans | $69,333,600 | 4,292 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 3,274 |
| Cost of funding earning assets | 0.4104% | 4,728 |
| Net interest margin | 3.8195% | 2,574 |
| Noninterest income to average assets | 0.3189% | 5,140 |
| Noninterest expense to average assets | 1.2459% | 6,773 |
| Loan and lease loss provision to assets | 0.0287% | 4,433 |
| Net operating income to assets | 2.2050% | 255 |
| Return on assets (ROA) | 2.2050% | 263 |
| Pretax return on assets | 2.2050% | 377 |
| Return on Equity (ROE) | 17.0123% | 537 |
| Retained earnings to average equity (ytd only) | 17.0123% | 133 |
| Net charge-offs to loans | -0.0020% | 5,686 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8061% | 6,802 |
| Assets per employee ($millions) | 9.0954% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1029% | 6,813 |
| Loan loss allowance to noncurrent loans | 80.8511% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 6,181 |
| Noncurrent loans to loans | 0.1273% | 5,938 |
| Net loans and leases to total assets | 67.5789% | 2,353 |
| Net loans and leases to deposits | 79.4269% | 2,486 |
| Net loans and leases to core deposits | 96.7483% | 1,335 |
| Total domestic deposits to total assets | 85.0831% | 3,695 |
| Equity capital to assets | 14.6750% | 782 |
| Core capital (leverage) ratio | 14.7382% | 687 |
| Tier 1 risk-based capital ratio | 20.7399% | 1,549 |
| Total risk-based capital ratio | 20.8383% | 1,806 |
| Memoranda: | ||
| Average total assets | $116,217,500 | 4,405 |
| Average earning assets | $96,169,750 | 4,663 |
| Average equity | $15,063,250 | 3,906 |
| Average total loans | $68,173,250 | 4,369 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,808 |
| Cost of funding earning assets | 0.4176% | 4,777 |
| Net interest margin | 3.6647% | 3,103 |
| Noninterest income to average assets | 0.3626% | 4,794 |
| Noninterest expense to average assets | 1.2380% | 6,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1438% | 286 |
| Return on assets (ROA) | 2.1438% | 300 |
| Pretax return on assets | 2.1438% | 464 |
| Return on Equity (ROE) | 17.2394% | 536 |
| Retained earnings to average equity (ytd only) | 17.2394% | 151 |
| Net charge-offs to loans | -0.0030% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6085% | 6,839 |
| Assets per employee ($millions) | 9.1451% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0756% | 6,867 |
| Loan loss allowance to noncurrent loans | 45.1327% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 6,186 |
| Noncurrent loans to loans | 0.1674% | 5,904 |
| Net loans and leases to total assets | 61.4474% | 3,397 |
| Net loans and leases to deposits | 71.6070% | 3,511 |
| Net loans and leases to core deposits | 87.4651% | 2,178 |
| Total domestic deposits to total assets | 85.8120% | 3,470 |
| Equity capital to assets | 14.0030% | 969 |
| Core capital (leverage) ratio | 14.2275% | 770 |
| Tier 1 risk-based capital ratio | 20.8907% | 1,514 |
| Total risk-based capital ratio | 20.9600% | 1,770 |
| Memoranda: | ||
| Average total assets | $118,575,000 | 4,378 |
| Average earning assets | $97,690,000 | 4,654 |
| Average equity | $14,745,330 | 3,998 |
| Average total loans | $66,286,000 | 4,456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,815 |
| Cost of funding earning assets | 0.4451% | 4,644 |
| Net interest margin | 3.3581% | 4,279 |
| Noninterest income to average assets | 0.5691% | 3,309 |
| Noninterest expense to average assets | 1.1611% | 6,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2050% | 242 |
| Return on assets (ROA) | 2.2050% | 265 |
| Pretax return on assets | 2.2050% | 421 |
| Return on Equity (ROE) | 18.7883% | 374 |
| Retained earnings to average equity (ytd only) | 18.7883% | 175 |
| Net charge-offs to loans | -0.0061% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4928% | 6,932 |
| Assets per employee ($millions) | 9.2876% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0761% | 6,946 |
| Loan loss allowance to noncurrent loans | 53.6842% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 6,337 |
| Noncurrent loans to loans | 0.1417% | 6,043 |
| Net loans and leases to total assets | 60.0955% | 3,410 |
| Net loans and leases to deposits | 69.4062% | 3,591 |
| Net loans and leases to core deposits | 88.6009% | 1,846 |
| Total domestic deposits to total assets | 86.5851% | 3,186 |
| Equity capital to assets | 13.2552% | 1,317 |
| Core capital (leverage) ratio | 12.7262% | 1,233 |
| Tier 1 risk-based capital ratio | 21.4372% | 1,439 |
| Total risk-based capital ratio | 21.5112% | 1,683 |
| Memoranda: | ||
| Average total assets | $122,992,000 | 4,332 |
| Average earning assets | $102,440,000 | 4,554 |
| Average equity | $14,434,500 | 4,104 |
| Average total loans | $65,687,000 | 4,502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 5,446 |
| Cost of funding earning assets | 0.4933% | 5,266 |
| Net interest margin | 3.4553% | 4,687 |
| Noninterest income to average assets | 0.2852% | 5,432 |
| Noninterest expense to average assets | 1.5515% | 6,835 |
| Loan and lease loss provision to assets | 0.0415% | 5,341 |
| Net operating income to assets | 1.5195% | 880 |
| Return on assets (ROA) | 1.5195% | 972 |
| Pretax return on assets | 1.5195% | 1,624 |
| Return on Equity (ROE) | 12.3650% | 1,399 |
| Retained earnings to average equity (ytd only) | 4.2764% | 3,215 |
| Net charge-offs to loans | 0.0893% | 4,783 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.6250% | 848 |
| Efficiency ratio | 49.8473% | 6,600 |
| Assets per employee ($millions) | 11.2111% | 172 |
| Cash dividends to net income (ytd only)* | 65.4152% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0777% | 6,993 |
| Loan loss allowance to noncurrent loans | 30.4878% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 6,265 |
| Noncurrent loans to loans | 0.2549% | 5,840 |
| Net loans and leases to total assets | 47.7920% | 5,432 |
| Net loans and leases to deposits | 53.4522% | 5,699 |
| Net loans and leases to core deposits | 66.0008% | 4,737 |
| Total domestic deposits to total assets | 89.4108% | 1,298 |
| Equity capital to assets | 10.4777% | 3,551 |
| Core capital (leverage) ratio | 12.0058% | 1,562 |
| Tier 1 risk-based capital ratio | 18.4582% | 2,116 |
| Total risk-based capital ratio | 18.5237% | 2,510 |
| Memoranda: | ||
| Average total assets | $115,696,800 | 4,446 |
| Average earning assets | $94,666,400 | 4,738 |
| Average equity | $14,217,600 | 4,117 |
| Average total loans | $53,751,600 | 4,951 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 5,017 |
| Cost of funding earning assets | 0.5403% | 5,164 |
| Net interest margin | 3.6048% | 4,217 |
| Noninterest income to average assets | 0.2751% | 5,582 |
| Noninterest expense to average assets | 1.2950% | 7,046 |
| Loan and lease loss provision to assets | 0.0529% | 5,090 |
| Net operating income to assets | 1.8284% | 536 |
| Return on assets (ROA) | 1.8284% | 601 |
| Pretax return on assets | 1.8284% | 988 |
| Return on Equity (ROE) | 14.2426% | 1,059 |
| Retained earnings to average equity (ytd only) | 14.2426% | 285 |
| Net charge-offs to loans | 0.1148% | 4,234 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 35.5880% | 957 |
| Efficiency ratio | 40.7716% | 6,999 |
| Assets per employee ($millions) | 9.0450% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0861% | 7,103 |
| Loan loss allowance to noncurrent loans | 31.4465% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 6,350 |
| Noncurrent loans to loans | 0.2738% | 5,939 |
| Net loans and leases to total assets | 53.4531% | 4,831 |
| Net loans and leases to deposits | 62.2290% | 4,944 |
| Net loans and leases to core deposits | 83.5465% | 2,752 |
| Total domestic deposits to total assets | 85.8974% | 3,308 |
| Equity capital to assets | 13.8290% | 1,224 |
| Core capital (leverage) ratio | 13.9185% | 862 |
| Tier 1 risk-based capital ratio | 22.2492% | 1,286 |
| Total risk-based capital ratio | 22.3233% | 1,478 |
| Memoranda: | ||
| Average total assets | $110,987,750 | 4,615 |
| Average earning assets | $89,322,000 | 4,931 |
| Average equity | $14,248,000 | 4,153 |
| Average total loans | $51,103,000 | 5,124 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 5,616 |
| Cost of funding earning assets | 0.5524% | 5,291 |
| Net interest margin | 3.4563% | 4,854 |
| Noninterest income to average assets | 0.3596% | 4,964 |
| Noninterest expense to average assets | 1.3452% | 7,080 |
| Loan and lease loss provision to assets | 0.0787% | 4,623 |
| Net operating income to assets | 1.7227% | 645 |
| Return on assets (ROA) | 1.7227% | 724 |
| Pretax return on assets | 1.7227% | 1,203 |
| Return on Equity (ROE) | 13.7630% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.7630% | 366 |
| Net charge-offs to loans | 0.1804% | 3,512 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 22.8864% | 1,273 |
| Efficiency ratio | 42.7516% | 6,997 |
| Assets per employee ($millions) | 9.0419% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0960% | 7,171 |
| Loan loss allowance to noncurrent loans | 31.4465% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 6,421 |
| Noncurrent loans to loans | 0.3054% | 5,946 |
| Net loans and leases to total assets | 47.9351% | 5,619 |
| Net loans and leases to deposits | 55.4447% | 5,710 |
| Net loans and leases to core deposits | 73.7441% | 4,066 |
| Total domestic deposits to total assets | 86.4557% | 3,100 |
| Equity capital to assets | 13.3185% | 1,386 |
| Core capital (leverage) ratio | 13.2731% | 1,061 |
| Tier 1 risk-based capital ratio | 23.0714% | 1,120 |
| Total risk-based capital ratio | 23.1512% | 1,292 |
| Memoranda: | ||
| Average total assets | $111,803,670 | 4,624 |
| Average earning assets | $90,153,330 | 4,927 |
| Average equity | $13,994,000 | 4,198 |
| Average total loans | $48,781,330 | 5,247 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 6,186 |
| Cost of funding earning assets | 0.5559% | 5,457 |
| Net interest margin | 3.2740% | 5,558 |
| Noninterest income to average assets | 0.5958% | 3,256 |
| Noninterest expense to average assets | 1.2798% | 7,182 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9532% | 460 |
| Return on assets (ROA) | 1.9532% | 526 |
| Pretax return on assets | 1.9532% | 802 |
| Return on Equity (ROE) | 16.0982% | 791 |
| Retained earnings to average equity (ytd only) | 16.0982% | 356 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5856% | 7,113 |
| Assets per employee ($millions) | 9.1630% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1035% | 7,223 |
| Loan loss allowance to noncurrent loans | 24.5098% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 6,417 |
| Noncurrent loans to loans | 0.4225% | 5,823 |
| Net loans and leases to total assets | 43.8694% | 6,028 |
| Net loans and leases to deposits | 50.3975% | 6,105 |
| Net loans and leases to core deposits | 66.9865% | 4,801 |
| Total domestic deposits to total assets | 87.0466% | 2,935 |
| Equity capital to assets | 12.7706% | 1,565 |
| Core capital (leverage) ratio | 12.7960% | 1,209 |
| Tier 1 risk-based capital ratio | 23.8842% | 1,024 |
| Total risk-based capital ratio | 23.9692% | 1,150 |
| Memoranda: | ||
| Average total assets | $113,454,000 | 4,609 |
| Average earning assets | $91,387,500 | 4,924 |
| Average equity | $13,765,500 | 4,242 |
| Average total loans | $47,141,500 | 5,333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 6,402 |
| Cost of funding earning assets | 0.5882% | 6,148 |
| Net interest margin | 3.4436% | 5,355 |
| Noninterest income to average assets | 0.2429% | 5,804 |
| Noninterest expense to average assets | 1.7315% | 7,034 |
| Loan and lease loss provision to assets | 0.1025% | 5,304 |
| Net operating income to assets | 1.3843% | 1,052 |
| Return on assets (ROA) | 1.3843% | 1,146 |
| Pretax return on assets | 1.3843% | 1,826 |
| Return on Equity (ROE) | 11.0977% | 1,666 |
| Retained earnings to average equity (ytd only) | 2.0840% | 4,730 |
| Net charge-offs to loans | 0.2261% | 4,369 |
| Credit loss provision to net charge-offs | 111.7647% | 2,969 |
| Earnings coverage of net charge-offs (x) | 16.2059% | 1,347 |
| Efficiency ratio | 53.8010% | 6,530 |
| Assets per employee ($millions) | 9.7460% | 255 |
| Cash dividends to net income (ytd only)* | 81.2216% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1087% | 7,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.2862% | 6,585 |
| Net loans and leases to deposits | 44.4589% | 6,700 |
| Net loans and leases to core deposits | 55.7077% | 6,177 |
| Total domestic deposits to total assets | 88.3653% | 1,932 |
| Equity capital to assets | 11.5338% | 2,471 |
| Core capital (leverage) ratio | 12.2084% | 1,489 |
| Tier 1 risk-based capital ratio | 24.7087% | 901 |
| Total risk-based capital ratio | 24.8003% | 1,004 |
| Memoranda: | ||
| Average total assets | $111,177,400 | 4,614 |
| Average earning assets | $96,061,400 | 4,748 |
| Average equity | $13,867,800 | 4,139 |
| Average total loans | $45,112,800 | 5,462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 6,582 |
| Cost of funding earning assets | 0.6201% | 6,183 |
| Net interest margin | 3.3827% | 5,627 |
| Noninterest income to average assets | 0.2940% | 5,509 |
| Noninterest expense to average assets | 1.3815% | 7,281 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8554% | 465 |
| Return on assets (ROA) | 1.8554% | 501 |
| Pretax return on assets | 1.8554% | 851 |
| Return on Equity (ROE) | 14.5816% | 929 |
| Retained earnings to average equity (ytd only) | 14.5816% | 258 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6802% | 7,188 |
| Assets per employee ($millions) | 8.7437% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0732% | 7,360 |
| Loan loss allowance to noncurrent loans | 1,266.6667% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 7,083 |
| Noncurrent loans to loans | 0.0058% | 6,956 |
| Net loans and leases to total assets | 49.4358% | 5,780 |
| Net loans and leases to deposits | 57.6987% | 5,869 |
| Net loans and leases to core deposits | 77.3648% | 3,991 |
| Total domestic deposits to total assets | 85.6792% | 3,398 |
| Equity capital to assets | 14.0378% | 1,139 |
| Core capital (leverage) ratio | 14.1911% | 847 |
| Tier 1 risk-based capital ratio | 24.6024% | 950 |
| Total risk-based capital ratio | 24.6659% | 1,069 |
| Memoranda: | ||
| Average total assets | $109,733,750 | 4,682 |
| Average earning assets | $95,463,000 | 4,803 |
| Average equity | $13,962,500 | 4,132 |
| Average total loans | $44,892,000 | 5,521 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 6,918 |
| Cost of funding earning assets | 0.6379% | 6,283 |
| Net interest margin | 3.1608% | 6,260 |
| Noninterest income to average assets | 0.3790% | 4,856 |
| Noninterest expense to average assets | 1.4191% | 7,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7371% | 555 |
| Return on assets (ROA) | 1.7371% | 599 |
| Pretax return on assets | 1.7371% | 980 |
| Return on Equity (ROE) | 14.1096% | 956 |
| Retained earnings to average equity (ytd only) | 14.1096% | 305 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9630% | 7,201 |
| Assets per employee ($millions) | 9.0380% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0815% | 7,428 |
| 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 | 42.9630% | 6,527 |
| Net loans and leases to deposits | 49.5702% | 6,632 |
| Net loans and leases to core deposits | 66.8858% | 5,400 |
| Total domestic deposits to total assets | 86.6711% | 2,946 |
| Equity capital to assets | 13.0671% | 1,488 |
| Core capital (leverage) ratio | 13.4249% | 1,017 |
| Tier 1 risk-based capital ratio | 24.3699% | 969 |
| Total risk-based capital ratio | 24.4353% | 1,075 |
| Memoranda: | ||
| Average total assets | $111,337,000 | 4,672 |
| Average earning assets | $97,822,670 | 4,766 |
| Average equity | $13,707,000 | 4,178 |
| Average total loans | $42,553,330 | 5,677 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 7,144 |
| Cost of funding earning assets | 0.6317% | 6,469 |
| Net interest margin | 2.9624% | 6,651 |
| Noninterest income to average assets | 0.6491% | 2,857 |
| Noninterest expense to average assets | 1.4755% | 7,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8018% | 490 |
| Return on assets (ROA) | 1.8018% | 512 |
| Pretax return on assets | 1.8018% | 817 |
| Return on Equity (ROE) | 15.0803% | 809 |
| Retained earnings to average equity (ytd only) | 15.0803% | 386 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0216% | 7,244 |
| Assets per employee ($millions) | 8.9288% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0899% | 7,476 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,215 |
| Noncurrent loans to loans | 0.0047% | 7,079 |
| Net loans and leases to total assets | 39.4238% | 6,817 |
| Net loans and leases to deposits | 45.3332% | 6,893 |
| Net loans and leases to core deposits | 61.8236% | 5,942 |
| Total domestic deposits to total assets | 86.9645% | 2,959 |
| Equity capital to assets | 12.8012% | 1,472 |
| Core capital (leverage) ratio | 12.5938% | 1,287 |
| Tier 1 risk-based capital ratio | 24.4406% | 930 |
| Total risk-based capital ratio | 24.5083% | 1,041 |
| Memoranda: | ||
| Average total assets | $112,777,500 | 4,673 |
| Average earning assets | $100,052,500 | 4,742 |
| Average equity | $13,474,500 | 4,225 |
| Average total loans | $40,513,000 | 5,828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 7,267 |
| Cost of funding earning assets | 0.7735% | 6,671 |
| Net interest margin | 3.0032% | 6,731 |
| Noninterest income to average assets | 0.2639% | 5,900 |
| Noninterest expense to average assets | 1.6527% | 7,373 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4616% | 837 |
| Return on assets (ROA) | 1.5079% | 815 |
| Pretax return on assets | 1.5079% | 1,352 |
| Return on Equity (ROE) | 11.4456% | 1,471 |
| Retained earnings to average equity (ytd only) | -0.7611% | 5,757 |
| Net charge-offs to loans | -0.0300% | 7,398 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0680% | 6,887 |
| Assets per employee ($millions) | 10.7645% | 209 |
| Cash dividends to net income (ytd only)* | 106.6499% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0981% | 7,557 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 7,197 |
| Noncurrent loans to loans | 0.0568% | 6,982 |
| Net loans and leases to total assets | 32.6909% | 7,269 |
| Net loans and leases to deposits | 36.8689% | 7,329 |
| Net loans and leases to core deposits | 48.5422% | 7,047 |
| Total domestic deposits to total assets | 88.6681% | 1,845 |
| Equity capital to assets | 11.1757% | 2,531 |
| Core capital (leverage) ratio | 11.8801% | 1,631 |
| Tier 1 risk-based capital ratio | 25.0261% | 845 |
| Total risk-based capital ratio | 25.0981% | 928 |
| Memoranda: | ||
| Average total assets | $105,707,600 | 4,826 |
| Average earning assets | $100,325,000 | 4,719 |
| Average equity | $13,926,800 | 4,159 |
| Average total loans | $36,636,600 | 6,086 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 7,375 |
| Cost of funding earning assets | 0.7935% | 6,785 |
| Net interest margin | 3.0621% | 6,703 |
| Noninterest income to average assets | 0.3147% | 5,632 |
| Noninterest expense to average assets | 1.3927% | 7,594 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8426% | 455 |
| Return on assets (ROA) | 1.9063% | 442 |
| Pretax return on assets | 1.9063% | 758 |
| Return on Equity (ROE) | 13.8623% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.8623% | 283 |
| Net charge-offs to loans | -0.0443% | 7,454 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0466% | 7,497 |
| Assets per employee ($millions) | 9.6005% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0935% | 7,670 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,379 |
| Noncurrent loans to loans | 0.0048% | 7,263 |
| Net loans and leases to total assets | 43.3988% | 6,882 |
| Net loans and leases to deposits | 51.5286% | 6,909 |
| Net loans and leases to core deposits | 74.6671% | 5,208 |
| Total domestic deposits to total assets | 84.2227% | 3,991 |
| Equity capital to assets | 15.4148% | 790 |
| Core capital (leverage) ratio | 15.3315% | 657 |
| Tier 1 risk-based capital ratio | 25.7788% | 791 |
| Total risk-based capital ratio | 25.8469% | 871 |
| Memoranda: | ||
| Average total assets | $102,532,250 | 4,974 |
| Average earning assets | $97,796,250 | 4,845 |
| Average equity | $14,100,250 | 4,183 |
| Average total loans | $36,109,000 | 6,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 7,492 |
| Cost of funding earning assets | 0.7976% | 6,921 |
| Net interest margin | 2.9883% | 6,856 |
| Noninterest income to average assets | 0.4030% | 4,892 |
| Noninterest expense to average assets | 1.3485% | 7,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9101% | 388 |
| Return on assets (ROA) | 1.9101% | 431 |
| Pretax return on assets | 1.9101% | 723 |
| Return on Equity (ROE) | 14.4224% | 953 |
| Retained earnings to average equity (ytd only) | 14.4224% | 285 |
| Net charge-offs to loans | -0.0584% | 7,470 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3834% | 7,613 |
| Assets per employee ($millions) | 8.8227% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1016% | 7,739 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,432 |
| Noncurrent loans to loans | 0.0027% | 7,339 |
| Net loans and leases to total assets | 37.4827% | 7,292 |
| Net loans and leases to deposits | 44.1715% | 7,317 |
| Net loans and leases to core deposits | 63.6062% | 6,437 |
| Total domestic deposits to total assets | 84.8573% | 3,704 |
| Equity capital to assets | 14.7759% | 929 |
| Core capital (leverage) ratio | 14.9063% | 740 |
| Tier 1 risk-based capital ratio | 28.8303% | 577 |
| Total risk-based capital ratio | 28.9048% | 636 |
| Memoranda: | ||
| Average total assets | $104,708,000 | 4,948 |
| Average earning assets | $100,056,000 | 4,807 |
| Average equity | $13,867,330 | 4,226 |
| Average total loans | $34,244,000 | 6,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 7,695 |
| Cost of funding earning assets | 0.7793% | 7,148 |
| Net interest margin | 2.7671% | 7,228 |
| Noninterest income to average assets | 0.6486% | 2,942 |
| Noninterest expense to average assets | 1.3009% | 7,806 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0564% | 316 |
| Return on assets (ROA) | 2.0564% | 348 |
| Pretax return on assets | 2.0564% | 549 |
| Return on Equity (ROE) | 16.3744% | 674 |
| Retained earnings to average equity (ytd only) | 16.3744% | 314 |
| Net charge-offs to loans | -0.1086% | 7,535 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7486% | 7,762 |
| Assets per employee ($millions) | 10.0672% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1168% | 7,838 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,509 |
| Noncurrent loans to loans | 0.0032% | 7,417 |
| Net loans and leases to total assets | 31.4367% | 7,583 |
| Net loans and leases to deposits | 36.5801% | 7,608 |
| Net loans and leases to core deposits | 51.5557% | 7,224 |
| Total domestic deposits to total assets | 85.9395% | 3,185 |
| Equity capital to assets | 13.8102% | 1,205 |
| Core capital (leverage) ratio | 14.1318% | 928 |
| Tier 1 risk-based capital ratio | 28.9775% | 584 |
| Total risk-based capital ratio | 29.0548% | 640 |
| Memoranda: | ||
| Average total assets | $108,537,000 | 4,907 |
| Average earning assets | $106,247,000 | 4,693 |
| Average equity | $13,631,000 | 4,322 |
| Average total loans | $33,159,000 | 6,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 7,595 |
| Cost of funding earning assets | 1.0555% | 7,086 |
| Net interest margin | 3.1664% | 6,188 |
| Noninterest income to average assets | 0.3182% | 5,809 |
| Noninterest expense to average assets | 1.6344% | 7,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7327% | 412 |
| Return on assets (ROA) | 1.7327% | 439 |
| Pretax return on assets | 1.7327% | 727 |
| Return on Equity (ROE) | 12.2496% | 1,098 |
| Retained earnings to average equity (ytd only) | -0.1075% | 4,959 |
| Net charge-offs to loans | 0.0213% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 244.2857% | 113 |
| Efficiency ratio | 48.5405% | 7,604 |
| Assets per employee ($millions) | 11.6402% | 183 |
| Cash dividends to net income (ytd only)* | 100.8772% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0780% | 7,921 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,543 |
| Noncurrent loans to loans | 0.0058% | 7,433 |
| Net loans and leases to total assets | 29.7297% | 7,713 |
| Net loans and leases to deposits | 33.6529% | 7,767 |
| Net loans and leases to core deposits | 55.5830% | 7,418 |
| Total domestic deposits to total assets | 88.3421% | 1,796 |
| Equity capital to assets | 11.4766% | 2,334 |
| Core capital (leverage) ratio | 12.7679% | 1,322 |
| Tier 1 risk-based capital ratio | 24.6512% | 885 |
| Total risk-based capital ratio | 24.7012% | 976 |
| Memoranda: | ||
| Average total assets | $98,687,800 | 5,119 |
| Average earning assets | $95,027,800 | 4,973 |
| Average equity | $13,959,600 | 4,262 |
| Average total loans | $32,846,600 | 6,475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 7,506 |
| Cost of funding earning assets | 1.1846% | 6,934 |
| Net interest margin | 3.3159% | 5,579 |
| Noninterest income to average assets | 0.3904% | 5,380 |
| Noninterest expense to average assets | 1.4470% | 7,909 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1189% | 227 |
| Return on assets (ROA) | 2.1189% | 245 |
| Pretax return on assets | 2.1189% | 423 |
| Return on Equity (ROE) | 14.1553% | 899 |
| Retained earnings to average equity (ytd only) | 14.1553% | 184 |
| Net charge-offs to loans | -0.0165% | 7,741 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5791% | 7,918 |
| Assets per employee ($millions) | 9.0404% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1049% | 8,003 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 7,617 |
| Noncurrent loans to loans | 0.0027% | 7,534 |
| Net loans and leases to total assets | 41.0834% | 7,404 |
| Net loans and leases to deposits | 49.4752% | 7,432 |
| Net loans and leases to core deposits | 95.3287% | 4,892 |
| Total domestic deposits to total assets | 83.0384% | 4,201 |
| Equity capital to assets | 16.4307% | 719 |
| Core capital (leverage) ratio | 16.3320% | 633 |
| Tier 1 risk-based capital ratio | 29.7127% | 585 |
| Total risk-based capital ratio | 29.7909% | 631 |
| Memoranda: | ||
| Average total assets | $94,259,250 | 5,294 |
| Average earning assets | $90,270,750 | 5,155 |
| Average equity | $14,109,750 | 4,267 |
| Average total loans | $32,400,000 | 6,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 7,644 |
| Cost of funding earning assets | 1.3049% | 6,790 |
| Net interest margin | 3.1664% | 6,035 |
| Noninterest income to average assets | 0.4877% | 4,557 |
| Noninterest expense to average assets | 1.4255% | 8,004 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0744% | 249 |
| Return on assets (ROA) | 2.0744% | 275 |
| Pretax return on assets | 2.0744% | 463 |
| Return on Equity (ROE) | 14.2984% | 947 |
| Retained earnings to average equity (ytd only) | 14.2984% | 244 |
| Net charge-offs to loans | -0.0195% | 7,694 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7297% | 8,006 |
| Assets per employee ($millions) | 9.1670% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1114% | 8,096 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 7,672 |
| Noncurrent loans to loans | 0.0029% | 7,569 |
| Net loans and leases to total assets | 37.1626% | 7,670 |
| Net loans and leases to deposits | 44.3627% | 7,689 |
| Net loans and leases to core deposits | 86.8591% | 5,823 |
| Total domestic deposits to total assets | 83.7700% | 3,886 |
| Equity capital to assets | 15.6343% | 901 |
| Core capital (leverage) ratio | 15.5576% | 815 |
| Tier 1 risk-based capital ratio | 29.7110% | 617 |
| Total risk-based capital ratio | 29.7899% | 675 |
| Memoranda: | ||
| Average total assets | $95,544,330 | 5,294 |
| Average earning assets | $90,891,330 | 5,165 |
| Average equity | $13,861,670 | 4,339 |
| Average total loans | $30,806,670 | 6,686 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 7,725 |
| Cost of funding earning assets | 1.4794% | 6,469 |
| Net interest margin | 3.0111% | 6,453 |
| Noninterest income to average assets | 0.7714% | 2,478 |
| Noninterest expense to average assets | 1.2269% | 8,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3758% | 164 |
| Return on assets (ROA) | 2.3758% | 195 |
| Pretax return on assets | 2.3758% | 315 |
| Return on Equity (ROE) | 16.9963% | 687 |
| Retained earnings to average equity (ytd only) | 16.9963% | 270 |
| Net charge-offs to loans | -0.0274% | 7,531 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0547% | 8,124 |
| Assets per employee ($millions) | 9.3735% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1262% | 8,146 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 7,544 |
| Noncurrent loans to loans | 0.0853% | 7,281 |
| Net loans and leases to total assets | 31.2413% | 7,883 |
| Net loans and leases to deposits | 36.8723% | 7,922 |
| Net loans and leases to core deposits | 67.5431% | 7,158 |
| Total domestic deposits to total assets | 84.7282% | 3,338 |
| Equity capital to assets | 14.8568% | 1,143 |
| Core capital (leverage) ratio | 14.5963% | 1,059 |
| Tier 1 risk-based capital ratio | 32.3978% | 513 |
| Total risk-based capital ratio | 32.4841% | 557 |
| Memoranda: | ||
| Average total assets | $97,481,500 | 5,255 |
| Average earning assets | $91,660,500 | 5,161 |
| Average equity | $13,626,500 | 4,415 |
| Average total loans | $29,157,500 | 6,814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 7,812 |
| Cost of funding earning assets | 1.8019% | 7,000 |
| Net interest margin | 3.2420% | 6,231 |
| Noninterest income to average assets | 0.3886% | 5,574 |
| Noninterest expense to average assets | 1.4733% | 8,046 |
| Loan and lease loss provision to assets | 0.0320% | 7,007 |
| Net operating income to assets | 1.9451% | 398 |
| Return on assets (ROA) | 1.9462% | 381 |
| Pretax return on assets | 1.9462% | 700 |
| Return on Equity (ROE) | 13.1385% | 1,297 |
| Retained earnings to average equity (ytd only) | -3.0774% | 6,129 |
| Net charge-offs to loans | 0.0966% | 5,363 |
| Credit loss provision to net charge-offs | 115.3846% | 4,676 |
| Earnings coverage of net charge-offs (x) | 71.2308% | 570 |
| Efficiency ratio | 42.6980% | 8,052 |
| Assets per employee ($millions) | 11.2476% | 195 |
| Cash dividends to net income (ytd only)* | 123.4229% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1207% | 8,205 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,587 |
| Noncurrent loans to loans | 0.0345% | 7,367 |
| Net loans and leases to total assets | 28.6077% | 8,023 |
| Net loans and leases to deposits | 33.0809% | 8,079 |
| Net loans and leases to core deposits | 56.0396% | 7,739 |
| Total domestic deposits to total assets | 86.4780% | 2,179 |
| Equity capital to assets | 13.1653% | 1,723 |
| Core capital (leverage) ratio | 13.8742% | 1,284 |
| Tier 1 risk-based capital ratio | 30.2059% | 630 |
| Total risk-based capital ratio | 30.2853% | 685 |
| Memoranda: | ||
| Average total assets | $93,670,400 | 5,235 |
| Average earning assets | $88,463,000 | 5,132 |
| Average equity | $13,875,200 | 4,369 |
| Average total loans | $26,915,200 | 6,903 |