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 | 3.2856% | 4,454 |
| Cost of funding earning assets | 1.3598% | 2,331 |
| Net interest margin | 1.9258% | 4,433 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9824% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0970% | 4,255 |
| Return on assets (ROA) | 0.1703% | 4,213 |
| Pretax return on assets | 0.1974% | 4,202 |
| Return on Equity (ROE) | 2.8500% | 4,046 |
| Retained earnings to average equity (ytd only) | 0.3487% | 3,975 |
| Net charge-offs to loans | 0.0023% | 2,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 806 |
| Efficiency ratio | 93.1258% | 326 |
| Assets per employee ($millions) | 5.5407% | 3,213 |
| Cash dividends to net income (ytd only)* | 87.7660% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 1,820 |
| Loan loss allowance to noncurrent loans | 64.7119% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 573 |
| Noncurrent loans to loans | 1.9926% | 285 |
| Net loans and leases to total assets | 43.4500% | 3,918 |
| Net loans and leases to deposits | 52.1069% | 3,878 |
| Net loans and leases to core deposits | 54.5910% | 3,960 |
| Total domestic deposits to total assets | 83.3900% | 2,784 |
| Equity capital to assets | 6.7537% | 4,031 |
| Core capital (leverage) ratio | 8.8663% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0996% | 1,247 |
| Memoranda: | ||
| Average total assets | $110,423,400 | 3,739 |
| Average earning assets | $106,190,800 | 3,685 |
| Average equity | $6,595,200 | 4,097 |
| Average total loans | $44,319,600 | 3,927 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1925% | 4,486 |
| Cost of funding earning assets | 1.1725% | 2,519 |
| Net interest margin | 2.0199% | 4,433 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.9832% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1603% | 4,275 |
| Return on assets (ROA) | 0.2127% | 4,234 |
| Pretax return on assets | 0.2490% | 4,205 |
| Return on Equity (ROE) | 3.6800% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.7532% | 3,995 |
| Net charge-offs to loans | 0.0031% | 2,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 709 |
| Efficiency ratio | 89.4209% | 395 |
| Assets per employee ($millions) | 5.4046% | 3,261 |
| Cash dividends to net income (ytd only)* | 79.5455% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,525 |
| Loan loss allowance to noncurrent loans | 84.0909% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 825 |
| Noncurrent loans to loans | 1.6423% | 415 |
| Net loans and leases to total assets | 41.5500% | 4,005 |
| Net loans and leases to deposits | 48.6199% | 3,986 |
| Net loans and leases to core deposits | 51.0670% | 4,011 |
| Total domestic deposits to total assets | 85.4700% | 2,357 |
| Equity capital to assets | 5.7211% | 4,077 |
| Core capital (leverage) ratio | 9.1226% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8717% | 1,124 |
| Memoranda: | ||
| Average total assets | $110,326,000 | 3,755 |
| Average earning assets | $106,206,250 | 3,697 |
| Average equity | $6,373,000 | 4,133 |
| Average total loans | $43,204,250 | 3,959 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1060% | 4,527 |
| Cost of funding earning assets | 0.9762% | 2,684 |
| Net interest margin | 2.1298% | 4,451 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.0005% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1973% | 4,279 |
| Return on assets (ROA) | 0.2593% | 4,242 |
| Pretax return on assets | 0.3079% | 4,225 |
| Return on Equity (ROE) | 4.4700% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.4748% | 3,088 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.1072% | 456 |
| Assets per employee ($millions) | 5.2678% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,256 |
| Loan loss allowance to noncurrent loans | 72.9167% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 620 |
| Noncurrent loans to loans | 2.0234% | 275 |
| Net loans and leases to total assets | 39.9300% | 4,044 |
| Net loans and leases to deposits | 44.7559% | 4,076 |
| Net loans and leases to core deposits | 46.9474% | 4,101 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 6.2247% | 4,092 |
| Core capital (leverage) ratio | 9.1329% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9258% | 974 |
| Memoranda: | ||
| Average total assets | $111,071,000 | 3,755 |
| Average earning assets | $107,148,000 | 3,695 |
| Average equity | $6,436,000 | 4,148 |
| Average total loans | $42,424,000 | 3,983 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 4,542 |
| Cost of funding earning assets | 0.8018% | 2,729 |
| Net interest margin | 2.2741% | 4,463 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.1136% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2294% | 4,324 |
| Return on assets (ROA) | 0.3195% | 4,180 |
| Pretax return on assets | 0.3371% | 4,227 |
| Return on Equity (ROE) | 5.7100% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.7098% | 2,846 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.4814% | 442 |
| Assets per employee ($millions) | 6.0489% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,032 |
| Loan loss allowance to noncurrent loans | 85.8311% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 733 |
| Noncurrent loans to loans | 1.8511% | 325 |
| Net loans and leases to total assets | 35.8400% | 4,198 |
| Net loans and leases to deposits | 38.2097% | 4,273 |
| Net loans and leases to core deposits | 39.2051% | 4,289 |
| Total domestic deposits to total assets | 93.8000% | 192 |
| Equity capital to assets | 6.1544% | 4,148 |
| Core capital (leverage) ratio | 8.3014% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5231% | 904 |
| Memoranda: | ||
| Average total assets | $113,929,000 | 3,782 |
| Average earning assets | $109,757,000 | 3,723 |
| Average equity | $6,375,000 | 4,208 |
| Average total loans | $42,285,500 | 4,030 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4239% | 4,528 |
| Cost of funding earning assets | 0.3726% | 2,307 |
| Net interest margin | 2.0512% | 4,540 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.7282% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6370% | 3,786 |
| Return on assets (ROA) | 0.6114% | 3,804 |
| Pretax return on assets | 0.6170% | 4,002 |
| Return on Equity (ROE) | 10.6500% | 2,591 |
| Retained earnings to average equity (ytd only) | 2.5494% | 3,840 |
| Net charge-offs to loans | 0.0795% | 856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 24.0909% | 1,803 |
| Efficiency ratio | 70.8390% | 1,583 |
| Assets per employee ($millions) | 6.2619% | 2,541 |
| Cash dividends to net income (ytd only)* | 76.0582% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,447 |
| Loan loss allowance to noncurrent loans | 96.9512% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 912 |
| Noncurrent loans to loans | 1.4604% | 450 |
| Net loans and leases to total assets | 37.2200% | 4,170 |
| Net loans and leases to deposits | 39.2267% | 4,268 |
| Net loans and leases to core deposits | 40.4182% | 4,268 |
| Total domestic deposits to total assets | 94.8800% | 154 |
| Equity capital to assets | 5.0842% | 4,350 |
| Core capital (leverage) ratio | 7.6921% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5750% | 1,217 |
| Memoranda: | ||
| Average total assets | $123,656,600 | 3,696 |
| Average earning assets | $119,683,400 | 3,627 |
| Average equity | $7,099,800 | 4,200 |
| Average total loans | $41,513,600 | 4,039 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2273% | 4,561 |
| Cost of funding earning assets | 0.3152% | 2,012 |
| Net interest margin | 1.9121% | 4,578 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.7122% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2158% | 4,461 |
| Return on assets (ROA) | 0.2158% | 4,428 |
| Pretax return on assets | 0.2478% | 4,425 |
| Return on Equity (ROE) | 3.6600% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.8432% | 3,814 |
| Net charge-offs to loans | 0.0131% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,188 |
| Efficiency ratio | 84.9046% | 500 |
| Assets per employee ($millions) | 5.8855% | 2,861 |
| Cash dividends to net income (ytd only)* | 22.2772% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 1,071 |
| Loan loss allowance to noncurrent loans | 82.2002% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 803 |
| Noncurrent loans to loans | 1.9394% | 312 |
| Net loans and leases to total assets | 33.2100% | 4,333 |
| Net loans and leases to deposits | 34.8035% | 4,400 |
| Net loans and leases to core deposits | 35.6863% | 4,409 |
| Total domestic deposits to total assets | 95.4300% | 175 |
| Equity capital to assets | 4.5511% | 4,389 |
| Core capital (leverage) ratio | 7.7062% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9797% | 1,180 |
| Memoranda: | ||
| Average total assets | $124,826,500 | 3,716 |
| Average earning assets | $120,983,000 | 3,632 |
| Average equity | $7,362,500 | 4,209 |
| Average total loans | $40,662,250 | 4,075 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0461% | 4,609 |
| Cost of funding earning assets | 0.2768% | 1,939 |
| Net interest margin | 1.7693% | 4,636 |
| Noninterest income to average assets | 0.0846% | 4,542 |
| Noninterest expense to average assets | 1.6880% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0830% | 4,524 |
| Return on assets (ROA) | 0.0830% | 4,489 |
| Pretax return on assets | 0.1118% | 4,480 |
| Return on Equity (ROE) | 1.3095% | 4,426 |
| Retained earnings to average equity (ytd only) | 1.3095% | 3,923 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1269% | 363 |
| Assets per employee ($millions) | 6.2973% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,062 |
| Loan loss allowance to noncurrent loans | 89.3191% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 942 |
| Noncurrent loans to loans | 1.8398% | 365 |
| Net loans and leases to total assets | 31.7940% | 4,408 |
| Net loans and leases to deposits | 33.6354% | 4,456 |
| Net loans and leases to core deposits | 34.4785% | 4,469 |
| Total domestic deposits to total assets | 94.5254% | 196 |
| Equity capital to assets | 5.4389% | 4,383 |
| Core capital (leverage) ratio | 7.3914% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1158% | 1,158 |
| Memoranda: | ||
| Average total assets | $125,236,667 | 3,754 |
| Average earning assets | $121,402,333 | 3,677 |
| Average equity | $7,941,667 | 4,209 |
| Average total loans | $40,311,333 | 4,131 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9340% | 4,632 |
| Cost of funding earning assets | 0.2777% | 1,848 |
| Net interest margin | 1.6563% | 4,658 |
| Noninterest income to average assets | 0.0833% | 4,562 |
| Noninterest expense to average assets | 1.6784% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0096% | 4,545 |
| Return on assets (ROA) | 0.0096% | 4,523 |
| Pretax return on assets | 0.0096% | 4,513 |
| Return on Equity (ROE) | 0.1414% | 4,518 |
| Retained earnings to average equity (ytd only) | 0.1414% | 3,987 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5844% | 313 |
| Assets per employee ($millions) | 6.5154% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 967 |
| Loan loss allowance to noncurrent loans | 87.7953% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 1,009 |
| Noncurrent loans to loans | 1.9912% | 373 |
| Net loans and leases to total assets | 28.8542% | 4,479 |
| Net loans and leases to deposits | 30.6458% | 4,532 |
| Net loans and leases to core deposits | 31.3887% | 4,550 |
| Total domestic deposits to total assets | 94.1538% | 101 |
| Equity capital to assets | 5.8009% | 4,617 |
| Core capital (leverage) ratio | 7.1671% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1325% | 1,023 |
| Memoranda: | ||
| Average total assets | $124,882,500 | 3,776 |
| Average earning assets | $120,994,500 | 3,701 |
| Average equity | $8,487,500 | 4,212 |
| Average total loans | $40,111,000 | 4,155 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5954% | 4,413 |
| Cost of funding earning assets | 0.3554% | 1,891 |
| Net interest margin | 2.2400% | 4,465 |
| Noninterest income to average assets | 0.1660% | 4,328 |
| Noninterest expense to average assets | 1.8217% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4614% | 4,158 |
| Return on assets (ROA) | 0.4614% | 4,206 |
| Pretax return on assets | 0.5065% | 4,248 |
| Return on Equity (ROE) | 5.5610% | 3,866 |
| Retained earnings to average equity (ytd only) | -0.0821% | 4,508 |
| Net charge-offs to loans | -0.0023% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0512% | 1,103 |
| Assets per employee ($millions) | 5.9729% | 2,805 |
| Cash dividends to net income (ytd only)* | 101.4760% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,274 |
| Loan loss allowance to noncurrent loans | 91.5185% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 1,076 |
| Noncurrent loans to loans | 1.7424% | 494 |
| Net loans and leases to total assets | 34.5603% | 4,355 |
| Net loans and leases to deposits | 37.5605% | 4,425 |
| Net loans and leases to core deposits | 38.5773% | 4,437 |
| Total domestic deposits to total assets | 92.0123% | 175 |
| Equity capital to assets | 7.8823% | 4,427 |
| Core capital (leverage) ratio | 7.3868% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5686% | 1,151 |
| Memoranda: | ||
| Average total assets | $117,473,000 | 3,827 |
| Average earning assets | $113,392,200 | 3,771 |
| Average equity | $9,746,400 | 4,159 |
| Average total loans | $44,167,800 | 4,104 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6848% | 4,421 |
| Cost of funding earning assets | 0.3746% | 1,899 |
| Net interest margin | 2.3102% | 4,485 |
| Noninterest income to average assets | 0.1493% | 4,446 |
| Noninterest expense to average assets | 1.7462% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5995% | 4,008 |
| Return on assets (ROA) | 0.5995% | 4,054 |
| Pretax return on assets | 0.6314% | 4,188 |
| Return on Equity (ROE) | 7.1352% | 3,633 |
| Retained earnings to average equity (ytd only) | 0.6240% | 4,478 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2848% | 1,462 |
| Assets per employee ($millions) | 6.3539% | 2,370 |
| Cash dividends to net income (ytd only)* | 91.2548% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,389 |
| Loan loss allowance to noncurrent loans | 52.1468% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 557 |
| Noncurrent loans to loans | 3.0300% | 217 |
| Net loans and leases to total assets | 36.3807% | 4,373 |
| Net loans and leases to deposits | 39.7929% | 4,456 |
| Net loans and leases to core deposits | 40.9235% | 4,484 |
| Total domestic deposits to total assets | 91.4253% | 252 |
| Equity capital to assets | 8.4899% | 4,220 |
| Core capital (leverage) ratio | 7.8356% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2339% | 920 |
| Memoranda: | ||
| Average total assets | $116,976,750 | 3,881 |
| Average earning assets | $112,829,750 | 3,818 |
| Average equity | $9,829,000 | 4,205 |
| Average total loans | $44,721,250 | 4,154 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9916% | 4,059 |
| Cost of funding earning assets | 0.3909% | 1,962 |
| Net interest margin | 2.6007% | 4,169 |
| Noninterest income to average assets | 0.0696% | 4,790 |
| Noninterest expense to average assets | 1.7650% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7705% | 3,592 |
| Return on assets (ROA) | 0.7705% | 3,657 |
| Pretax return on assets | 0.8112% | 3,841 |
| Return on Equity (ROE) | 9.2008% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.2090% | 4,066 |
| Net charge-offs to loans | -0.0044% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5349% | 2,079 |
| Assets per employee ($millions) | 6.3482% | 2,287 |
| Cash dividends to net income (ytd only)* | 75.9912% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 1,405 |
| Loan loss allowance to noncurrent loans | 94.4915% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 1,420 |
| Noncurrent loans to loans | 1.6471% | 650 |
| Net loans and leases to total assets | 35.0824% | 4,497 |
| Net loans and leases to deposits | 38.2343% | 4,576 |
| Net loans and leases to core deposits | 39.7866% | 4,585 |
| Total domestic deposits to total assets | 91.7565% | 180 |
| Equity capital to assets | 8.1540% | 4,454 |
| Core capital (leverage) ratio | 7.5793% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4204% | 896 |
| Memoranda: | ||
| Average total assets | $117,845,333 | 3,881 |
| Average earning assets | $113,586,000 | 3,812 |
| Average equity | $9,868,667 | 4,215 |
| Average total loans | $45,536,000 | 4,163 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 3,427 |
| Cost of funding earning assets | 0.4076% | 2,036 |
| Net interest margin | 2.9000% | 3,525 |
| Noninterest income to average assets | 0.2473% | 3,915 |
| Noninterest expense to average assets | 1.8856% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0888% | 2,512 |
| Return on assets (ROA) | 1.0888% | 2,585 |
| Pretax return on assets | 1.1472% | 2,997 |
| Return on Equity (ROE) | 12.8269% | 1,720 |
| Retained earnings to average equity (ytd only) | 11.6130% | 1,243 |
| Net charge-offs to loans | -0.0085% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4757% | 2,977 |
| Assets per employee ($millions) | 5.9909% | 2,609 |
| Cash dividends to net income (ytd only)* | 9.4637% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,744 |
| Loan loss allowance to noncurrent loans | 88.3752% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 573 |
| Noncurrent loans to loans | 1.6497% | 733 |
| Net loans and leases to total assets | 37.7397% | 4,431 |
| Net loans and leases to deposits | 41.2003% | 4,529 |
| Net loans and leases to core deposits | 42.8909% | 4,535 |
| Total domestic deposits to total assets | 91.6006% | 225 |
| Equity capital to assets | 8.3151% | 4,262 |
| Core capital (leverage) ratio | 7.9882% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9796% | 930 |
| Memoranda: | ||
| Average total assets | $116,460,000 | 3,897 |
| Average earning assets | $111,862,000 | 3,846 |
| Average equity | $9,885,500 | 4,224 |
| Average total loans | $46,812,000 | 4,159 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9714% | 4,652 |
| Cost of funding earning assets | 0.6561% | 1,955 |
| Net interest margin | 2.3153% | 4,711 |
| Noninterest income to average assets | 0.1544% | 4,523 |
| Noninterest expense to average assets | 2.1070% | 3,922 |
| Loan and lease loss provision to assets | 0.0314% | 4,006 |
| Net operating income to assets | 0.2239% | 4,543 |
| Return on assets (ROA) | 0.2239% | 4,604 |
| Pretax return on assets | 0.2354% | 4,624 |
| Return on Equity (ROE) | 2.4106% | 4,506 |
| Retained earnings to average equity (ytd only) | 0.4103% | 4,393 |
| Net charge-offs to loans | 0.0253% | 2,535 |
| Credit loss provision to net charge-offs | 253.8462% | 1,920 |
| Earnings coverage of net charge-offs (x) | 21.5385% | 1,893 |
| Efficiency ratio | 86.3509% | 518 |
| Assets per employee ($millions) | 5.3858% | 2,972 |
| Cash dividends to net income (ytd only)* | 82.9787% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,974 |
| Loan loss allowance to noncurrent loans | 57.7355% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.6861% | 393 |
| Noncurrent loans to loans | 2.4237% | 427 |
| Net loans and leases to total assets | 41.6155% | 4,372 |
| Net loans and leases to deposits | 45.6099% | 4,481 |
| Net loans and leases to core deposits | 47.5824% | 4,501 |
| Total domestic deposits to total assets | 91.2424% | 168 |
| Equity capital to assets | 8.6718% | 4,317 |
| Core capital (leverage) ratio | 7.9591% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0459% | 897 |
| Memoranda: | ||
| Average total assets | $104,934,600 | 3,928 |
| Average earning assets | $100,591,400 | 3,885 |
| Average equity | $9,748,600 | 4,222 |
| Average total loans | $51,458,000 | 4,087 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 4,627 |
| Cost of funding earning assets | 0.7100% | 1,965 |
| Net interest margin | 2.4479% | 4,690 |
| Noninterest income to average assets | 0.1594% | 4,500 |
| Noninterest expense to average assets | 2.1925% | 3,694 |
| Loan and lease loss provision to assets | 0.0350% | 3,902 |
| Net operating income to assets | 0.2631% | 4,501 |
| Return on assets (ROA) | 0.2631% | 4,546 |
| Pretax return on assets | 0.2773% | 4,571 |
| Return on Equity (ROE) | 2.7806% | 4,433 |
| Retained earnings to average equity (ytd only) | 1.7533% | 4,011 |
| Net charge-offs to loans | 0.0229% | 2,391 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 26.7778% | 1,685 |
| Efficiency ratio | 85.2043% | 548 |
| Assets per employee ($millions) | 5.8333% | 2,414 |
| Cash dividends to net income (ytd only)* | 36.9458% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,200 |
| Loan loss allowance to noncurrent loans | 47.0007% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.0638% | 308 |
| Noncurrent loans to loans | 2.7422% | 360 |
| Net loans and leases to total assets | 48.5790% | 4,183 |
| Net loans and leases to deposits | 53.6808% | 4,345 |
| Net loans and leases to core deposits | 56.1979% | 4,377 |
| Total domestic deposits to total assets | 90.4962% | 285 |
| Equity capital to assets | 9.4105% | 3,761 |
| Core capital (leverage) ratio | 8.7619% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4091% | 987 |
| Memoranda: | ||
| Average total assets | $102,892,750 | 3,955 |
| Average earning assets | $98,587,250 | 3,908 |
| Average equity | $9,733,750 | 4,234 |
| Average total loans | $52,388,500 | 4,081 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 4,784 |
| Cost of funding earning assets | 0.7700% | 1,995 |
| Net interest margin | 2.3425% | 4,821 |
| Noninterest income to average assets | 0.1644% | 4,470 |
| Noninterest expense to average assets | 2.2076% | 3,755 |
| Loan and lease loss provision to assets | 0.0352% | 3,827 |
| Net operating income to assets | 0.1585% | 4,623 |
| Return on assets (ROA) | 0.1585% | 4,660 |
| Pretax return on assets | 0.1664% | 4,666 |
| Return on Equity (ROE) | 1.6727% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.3630% | 3,984 |
| Net charge-offs to loans | 0.0342% | 2,053 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 11.4444% | 2,097 |
| Efficiency ratio | 89.1958% | 411 |
| Assets per employee ($millions) | 5.1238% | 3,033 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,437 |
| Loan loss allowance to noncurrent loans | 32.2375% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 406 |
| Noncurrent loans to loans | 3.7700% | 193 |
| Net loans and leases to total assets | 49.6306% | 4,180 |
| Net loans and leases to deposits | 54.6704% | 4,352 |
| Net loans and leases to core deposits | 60.0853% | 4,255 |
| Total domestic deposits to total assets | 90.7815% | 202 |
| Equity capital to assets | 9.1200% | 3,985 |
| Core capital (leverage) ratio | 8.6160% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5246% | 974 |
| Memoranda: | ||
| Average total assets | $102,190,333 | 3,964 |
| Average earning assets | $97,927,667 | 3,911 |
| Average equity | $9,684,667 | 4,255 |
| Average total loans | $52,626,667 | 4,090 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 4,728 |
| Cost of funding earning assets | 0.8458% | 2,131 |
| Net interest margin | 2.5586% | 4,783 |
| Noninterest income to average assets | 0.1930% | 4,396 |
| Noninterest expense to average assets | 2.5250% | 3,194 |
| Loan and lease loss provision to assets | 0.0362% | 3,320 |
| Net operating income to assets | 0.0724% | 4,687 |
| Return on assets (ROA) | 0.0724% | 4,680 |
| Pretax return on assets | 0.0764% | 4,680 |
| Return on Equity (ROE) | 0.7484% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.7484% | 3,807 |
| Net charge-offs to loans | 0.0616% | 1,395 |
| Credit loss provision to net charge-offs | 112.5000% | 1,740 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,211 |
| Efficiency ratio | 93.4451% | 383 |
| Assets per employee ($millions) | 5.1381% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,221 |
| Loan loss allowance to noncurrent loans | 34.4297% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.8344% | 485 |
| Noncurrent loans to loans | 3.7283% | 231 |
| Net loans and leases to total assets | 48.5690% | 4,311 |
| Net loans and leases to deposits | 53.6540% | 4,460 |
| Net loans and leases to core deposits | 59.2453% | 4,389 |
| Total domestic deposits to total assets | 90.5227% | 191 |
| Equity capital to assets | 9.3722% | 4,337 |
| Core capital (leverage) ratio | 9.0260% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9242% | 875 |
| Memoranda: | ||
| Average total assets | $99,486,000 | 4,003 |
| Average earning assets | $95,052,500 | 3,942 |
| Average equity | $9,620,500 | 4,280 |
| Average total loans | $51,910,500 | 4,114 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5998% | 4,775 |
| Cost of funding earning assets | 0.8603% | 2,375 |
| Net interest margin | 2.7395% | 4,806 |
| Noninterest income to average assets | 0.2322% | 4,284 |
| Noninterest expense to average assets | 2.5027% | 3,444 |
| Loan and lease loss provision to assets | 0.0370% | 3,272 |
| Net operating income to assets | 0.3040% | 4,743 |
| Return on assets (ROA) | 0.3021% | 4,778 |
| Pretax return on assets | 0.3175% | 4,805 |
| Return on Equity (ROE) | 3.1215% | 4,644 |
| Retained earnings to average equity (ytd only) | -0.8600% | 4,797 |
| Net charge-offs to loans | 0.0039% | 3,542 |
| Credit loss provision to net charge-offs | 1,800.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 437 |
| Efficiency ratio | 85.3755% | 578 |
| Assets per employee ($millions) | 4.5815% | 3,103 |
| Cash dividends to net income (ytd only)* | 127.5510% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,341 |
| Loan loss allowance to noncurrent loans | 35.7616% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.8834% | 443 |
| Noncurrent loans to loans | 3.4021% | 246 |
| Net loans and leases to total assets | 54.6861% | 4,032 |
| Net loans and leases to deposits | 60.9142% | 4,246 |
| Net loans and leases to core deposits | 67.7867% | 4,090 |
| Total domestic deposits to total assets | 89.7756% | 403 |
| Equity capital to assets | 9.9885% | 3,931 |
| Core capital (leverage) ratio | 9.1666% | 4,384 |
| Tier 1 risk-based capital ratio | 17.0198% | 2,045 |
| Total risk-based capital ratio | 18.2467% | 1,998 |
| Memoranda: | ||
| Average total assets | $97,334,600 | 4,043 |
| Average earning assets | $93,338,600 | 3,987 |
| Average equity | $9,418,400 | 4,318 |
| Average total loans | $51,927,600 | 4,144 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 4,898 |
| Cost of funding earning assets | 0.8562% | 2,432 |
| Net interest margin | 2.7223% | 4,921 |
| Noninterest income to average assets | 0.2022% | 4,508 |
| Noninterest expense to average assets | 2.5323% | 3,342 |
| Loan and lease loss provision to assets | 0.0369% | 3,160 |
| Net operating income to assets | 0.2346% | 4,920 |
| Return on assets (ROA) | 0.2281% | 4,942 |
| Pretax return on assets | 0.2404% | 4,959 |
| Return on Equity (ROE) | 2.3762% | 4,861 |
| Retained earnings to average equity (ytd only) | 0.1707% | 4,733 |
| Net charge-offs to loans | 0.0052% | 3,208 |
| Credit loss provision to net charge-offs | 1,350.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 103.8689% | 732 |
| Efficiency ratio | 87.7304% | 410 |
| Assets per employee ($millions) | 4.4833% | 3,238 |
| Cash dividends to net income (ytd only)* | 92.8142% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,242 |
| Loan loss allowance to noncurrent loans | 37.3903% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 543 |
| Noncurrent loans to loans | 3.3391% | 259 |
| Net loans and leases to total assets | 53.6835% | 4,206 |
| Net loans and leases to deposits | 59.8794% | 4,390 |
| Net loans and leases to core deposits | 66.5696% | 4,241 |
| Total domestic deposits to total assets | 89.6527% | 390 |
| Equity capital to assets | 10.2613% | 3,762 |
| Core capital (leverage) ratio | 9.7046% | 3,966 |
| Tier 1 risk-based capital ratio | 17.4213% | 1,968 |
| Total risk-based capital ratio | 18.6541% | 1,933 |
| Memoranda: | ||
| Average total assets | $97,615,500 | 4,077 |
| Average earning assets | $93,741,000 | 4,018 |
| Average equity | $9,370,500 | 4,371 |
| Average total loans | $51,594,000 | 4,199 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 4,968 |
| Cost of funding earning assets | 0.8704% | 2,298 |
| Net interest margin | 2.6830% | 5,014 |
| Noninterest income to average assets | 0.2045% | 4,526 |
| Noninterest expense to average assets | 2.5878% | 3,218 |
| Loan and lease loss provision to assets | 0.0364% | 3,086 |
| Net operating income to assets | 0.1493% | 5,029 |
| Return on assets (ROA) | 0.1397% | 5,046 |
| Pretax return on assets | 0.1478% | 5,050 |
| Return on Equity (ROE) | 1.4881% | 5,004 |
| Retained earnings to average equity (ytd only) | 1.4881% | 4,299 |
| Net charge-offs to loans | 0.0077% | 2,871 |
| Credit loss provision to net charge-offs | 900.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,125 |
| Efficiency ratio | 90.8297% | 324 |
| Assets per employee ($millions) | 4.2416% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,309 |
| Loan loss allowance to noncurrent loans | 28.9922% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3286% | 340 |
| Noncurrent loans to loans | 4.2755% | 156 |
| Net loans and leases to total assets | 53.7893% | 4,226 |
| Net loans and leases to deposits | 62.5494% | 4,304 |
| Net loans and leases to core deposits | 64.8937% | 4,368 |
| Total domestic deposits to total assets | 85.9949% | 2,036 |
| Equity capital to assets | 10.3423% | 3,654 |
| Core capital (leverage) ratio | 9.3274% | 4,338 |
| Tier 1 risk-based capital ratio | 17.5705% | 1,919 |
| Total risk-based capital ratio | 18.7903% | 1,889 |
| Memoranda: | ||
| Average total assets | $98,770,670 | 4,088 |
| Average earning assets | $94,893,670 | 4,015 |
| Average equity | $9,273,670 | 4,398 |
| Average total loans | $51,731,330 | 4,231 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,103 |
| Cost of funding earning assets | 0.8701% | 2,152 |
| Net interest margin | 2.5405% | 5,172 |
| Noninterest income to average assets | 0.1852% | 4,641 |
| Noninterest expense to average assets | 2.9360% | 2,170 |
| Loan and lease loss provision to assets | 0.0355% | 2,916 |
| Net operating income to assets | -0.3281% | 5,231 |
| Return on assets (ROA) | -0.3468% | 5,229 |
| Pretax return on assets | -0.3665% | 5,228 |
| Return on Equity (ROE) | -3.8745% | 5,253 |
| Retained earnings to average equity (ytd only) | -3.8745% | 4,858 |
| Net charge-offs to loans | 0.0077% | 2,423 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | -79.0000% | 2,733 |
| Efficiency ratio | 109.6096% | 109 |
| Assets per employee ($millions) | 4.9847% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,510 |
| Loan loss allowance to noncurrent loans | 32.5825% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.8237% | 572 |
| Noncurrent loans to loans | 3.7210% | 232 |
| Net loans and leases to total assets | 48.4171% | 4,565 |
| Net loans and leases to deposits | 53.1403% | 4,707 |
| Net loans and leases to core deposits | 61.9365% | 4,484 |
| Total domestic deposits to total assets | 91.1118% | 152 |
| Equity capital to assets | 8.8252% | 4,806 |
| Core capital (leverage) ratio | 8.6433% | 4,920 |
| Tier 1 risk-based capital ratio | 16.9642% | 2,115 |
| Total risk-based capital ratio | 18.1543% | 2,085 |
| Memoranda: | ||
| Average total assets | $101,498,000 | 4,081 |
| Average earning assets | $97,460,000 | 4,021 |
| Average equity | $9,085,000 | 4,455 |
| Average total loans | $52,185,000 | 4,260 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,818 |
| Cost of funding earning assets | 0.6711% | 2,258 |
| Net interest margin | 2.9114% | 4,903 |
| Noninterest income to average assets | 0.2102% | 4,655 |
| Noninterest expense to average assets | 2.5210% | 3,551 |
| Loan and lease loss provision to assets | 0.1242% | 1,777 |
| Net operating income to assets | 0.3520% | 4,942 |
| Return on assets (ROA) | 0.3520% | 4,938 |
| Pretax return on assets | 0.3541% | 4,996 |
| Return on Equity (ROE) | 3.7758% | 4,762 |
| Retained earnings to average equity (ytd only) | -1.5548% | 5,106 |
| Net charge-offs to loans | 0.9738% | 152 |
| Credit loss provision to net charge-offs | 23.6220% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.9094% | 3,669 |
| Efficiency ratio | 81.9814% | 808 |
| Assets per employee ($millions) | 4.9159% | 2,600 |
| Cash dividends to net income (ytd only)* | 141.1765% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,788 |
| Loan loss allowance to noncurrent loans | 31.7805% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 491 |
| Noncurrent loans to loans | 3.6407% | 232 |
| Net loans and leases to total assets | 53.3493% | 4,325 |
| Net loans and leases to deposits | 58.8793% | 4,532 |
| Net loans and leases to core deposits | 69.0612% | 4,170 |
| Total domestic deposits to total assets | 90.6080% | 294 |
| Equity capital to assets | 9.0848% | 4,502 |
| Core capital (leverage) ratio | 9.1388% | 4,526 |
| Tier 1 risk-based capital ratio | 16.5463% | 2,227 |
| Total risk-based capital ratio | 17.6802% | 2,200 |
| Memoranda: | ||
| Average total assets | $96,586,800 | 4,157 |
| Average earning assets | $92,533,000 | 4,088 |
| Average equity | $9,004,600 | 4,460 |
| Average total loans | $52,167,400 | 4,259 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 4,906 |
| Cost of funding earning assets | 0.6148% | 2,375 |
| Net interest margin | 2.9134% | 4,957 |
| Noninterest income to average assets | 0.2108% | 4,702 |
| Noninterest expense to average assets | 2.2768% | 4,157 |
| Loan and lease loss provision to assets | 0.1539% | 1,277 |
| Net operating income to assets | 0.5436% | 4,659 |
| Return on assets (ROA) | 0.5436% | 4,667 |
| Pretax return on assets | 0.5727% | 4,779 |
| Return on Equity (ROE) | 5.7926% | 4,325 |
| Retained earnings to average equity (ytd only) | 0.6207% | 4,927 |
| Net charge-offs to loans | 0.7572% | 184 |
| Credit loss provision to net charge-offs | 37.6271% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.7763% | 3,317 |
| Efficiency ratio | 73.7304% | 1,634 |
| Assets per employee ($millions) | 4.4920% | 3,141 |
| Cash dividends to net income (ytd only)* | 89.2873% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,161 |
| Loan loss allowance to noncurrent loans | 36.7475% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.3598% | 389 |
| Noncurrent loans to loans | 4.2564% | 185 |
| Net loans and leases to total assets | 54.5738% | 4,319 |
| Net loans and leases to deposits | 64.9393% | 4,280 |
| Net loans and leases to core deposits | 70.3740% | 4,170 |
| Total domestic deposits to total assets | 84.0381% | 2,930 |
| Equity capital to assets | 9.3670% | 4,212 |
| Core capital (leverage) ratio | 9.7892% | 3,855 |
| Tier 1 risk-based capital ratio | 17.0270% | 2,106 |
| Total risk-based capital ratio | 18.2804% | 2,042 |
| Memoranda: | ||
| Average total assets | $96,154,000 | 4,207 |
| Average earning assets | $92,170,250 | 4,139 |
| Average equity | $9,022,750 | 4,497 |
| Average total loans | $51,942,750 | 4,312 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 4,920 |
| Cost of funding earning assets | 0.5742% | 2,405 |
| Net interest margin | 2.9270% | 4,977 |
| Noninterest income to average assets | 0.2067% | 4,773 |
| Noninterest expense to average assets | 2.1785% | 4,421 |
| Loan and lease loss provision to assets | 0.1860% | 962 |
| Net operating income to assets | 0.6118% | 4,459 |
| Return on assets (ROA) | 0.6118% | 4,465 |
| Pretax return on assets | 0.6449% | 4,653 |
| Return on Equity (ROE) | 6.5162% | 4,058 |
| Retained earnings to average equity (ytd only) | -1.1888% | 5,090 |
| Net charge-offs to loans | 0.9725% | 136 |
| Credit loss provision to net charge-offs | 35.7143% | 2,598 |
| Earnings coverage of net charge-offs (x) | 1.5952% | 3,047 |
| Efficiency ratio | 70.3297% | 2,258 |
| Assets per employee ($millions) | 4.7480% | 2,751 |
| Cash dividends to net income (ytd only)* | 118.2432% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,060 |
| Loan loss allowance to noncurrent loans | 31.4510% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.8160% | 279 |
| Noncurrent loans to loans | 5.1507% | 126 |
| Net loans and leases to total assets | 53.7853% | 4,358 |
| Net loans and leases to deposits | 59.3877% | 4,563 |
| Net loans and leases to core deposits | 63.3806% | 4,529 |
| Total domestic deposits to total assets | 90.5665% | 379 |
| Equity capital to assets | 9.3567% | 4,233 |
| Core capital (leverage) ratio | 9.4603% | 4,159 |
| Tier 1 risk-based capital ratio | 16.4280% | 2,278 |
| Total risk-based capital ratio | 17.6810% | 2,224 |
| Memoranda: | ||
| Average total assets | $96,761,670 | 4,231 |
| Average earning assets | $92,654,330 | 4,167 |
| Average equity | $9,085,000 | 4,528 |
| Average total loans | $51,824,330 | 4,352 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 5,010 |
| Cost of funding earning assets | 0.5650% | 2,280 |
| Net interest margin | 2.8423% | 5,109 |
| Noninterest income to average assets | 0.2089% | 4,765 |
| Noninterest expense to average assets | 2.1707% | 4,489 |
| Loan and lease loss provision to assets | 0.1843% | 923 |
| Net operating income to assets | 0.5447% | 4,592 |
| Return on assets (ROA) | 0.5447% | 4,596 |
| Pretax return on assets | 0.5734% | 4,744 |
| Return on Equity (ROE) | 5.7921% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.7921% | 2,816 |
| Net charge-offs to loans | 0.0077% | 2,463 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 355 |
| Efficiency ratio | 72.0280% | 2,193 |
| Assets per employee ($millions) | 4.6070% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 516 |
| Loan loss allowance to noncurrent loans | 60.0344% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 676 |
| Noncurrent loans to loans | 3.3762% | 317 |
| Net loans and leases to total assets | 52.3102% | 4,415 |
| Net loans and leases to deposits | 57.8470% | 4,594 |
| Net loans and leases to core deposits | 61.6104% | 4,574 |
| Total domestic deposits to total assets | 90.4285% | 493 |
| Equity capital to assets | 9.4112% | 4,169 |
| Core capital (leverage) ratio | 9.8434% | 3,718 |
| Tier 1 risk-based capital ratio | 17.4869% | 1,979 |
| Total risk-based capital ratio | 18.7458% | 1,932 |
| Memoranda: | ||
| Average total assets | $97,663,000 | 4,253 |
| Average earning assets | $93,444,000 | 4,197 |
| Average equity | $9,185,000 | 4,561 |
| Average total loans | $51,779,000 | 4,402 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 4,830 |
| Cost of funding earning assets | 0.4929% | 2,399 |
| Net interest margin | 2.9776% | 4,930 |
| Noninterest income to average assets | 0.2452% | 4,662 |
| Noninterest expense to average assets | 2.2757% | 4,399 |
| Loan and lease loss provision to assets | 0.2398% | 797 |
| Net operating income to assets | 0.5394% | 4,264 |
| Return on assets (ROA) | 0.5394% | 4,299 |
| Pretax return on assets | 0.5820% | 4,778 |
| Return on Equity (ROE) | 5.4270% | 3,994 |
| Retained earnings to average equity (ytd only) | -5.3948% | 5,446 |
| Net charge-offs to loans | 0.2306% | 1,122 |
| Credit loss provision to net charge-offs | 199.1150% | 1,370 |
| Earnings coverage of net charge-offs (x) | 6.8230% | 3,131 |
| Efficiency ratio | 71.4040% | 2,318 |
| Assets per employee ($millions) | 4.6943% | 2,875 |
| Cash dividends to net income (ytd only)* | 199.4071% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 611 |
| Loan loss allowance to noncurrent loans | 48.9736% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.0755% | 526 |
| Noncurrent loans to loans | 3.9420% | 243 |
| Net loans and leases to total assets | 51.6342% | 4,542 |
| Net loans and leases to deposits | 57.0716% | 4,743 |
| Net loans and leases to core deposits | 60.7063% | 4,721 |
| Total domestic deposits to total assets | 90.4727% | 407 |
| Equity capital to assets | 9.3985% | 4,331 |
| Core capital (leverage) ratio | 10.0549% | 3,383 |
| Tier 1 risk-based capital ratio | 16.9127% | 2,123 |
| Total risk-based capital ratio | 18.1697% | 2,060 |
| Memoranda: | ||
| Average total assets | $93,816,400 | 4,347 |
| Average earning assets | $89,871,800 | 4,290 |
| Average equity | $9,323,800 | 4,555 |
| Average total loans | $49,012,600 | 4,484 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,812 |
| Cost of funding earning assets | 0.4863% | 2,378 |
| Net interest margin | 3.0154% | 4,886 |
| Noninterest income to average assets | 0.2519% | 4,701 |
| Noninterest expense to average assets | 2.0714% | 4,795 |
| Loan and lease loss provision to assets | 0.2591% | 653 |
| Net operating income to assets | 0.7744% | 3,628 |
| Return on assets (ROA) | 0.7744% | 3,678 |
| Pretax return on assets | 0.8133% | 4,315 |
| Return on Equity (ROE) | 7.6813% | 3,305 |
| Retained earnings to average equity (ytd only) | -3.8691% | 5,516 |
| Net charge-offs to loans | 0.1601% | 1,280 |
| Credit loss provision to net charge-offs | 310.3448% | 959 |
| Earnings coverage of net charge-offs (x) | 12.8451% | 2,397 |
| Efficiency ratio | 63.8278% | 3,582 |
| Assets per employee ($millions) | 4.1706% | 3,698 |
| Cash dividends to net income (ytd only)* | 150.3708% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 505 |
| Loan loss allowance to noncurrent loans | 61.2591% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 770 |
| Noncurrent loans to loans | 3.3681% | 334 |
| Net loans and leases to total assets | 52.3541% | 4,543 |
| Net loans and leases to deposits | 60.6474% | 4,603 |
| Net loans and leases to core deposits | 61.2264% | 4,756 |
| Total domestic deposits to total assets | 86.3254% | 2,165 |
| Equity capital to assets | 10.0628% | 3,841 |
| Core capital (leverage) ratio | 10.4469% | 3,043 |
| Tier 1 risk-based capital ratio | 18.3358% | 1,773 |
| Total risk-based capital ratio | 19.5940% | 1,730 |
| Memoranda: | ||
| Average total assets | $92,625,500 | 4,416 |
| Average earning assets | $88,830,500 | 4,353 |
| Average equity | $9,338,500 | 4,600 |
| Average total loans | $48,290,000 | 4,549 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 4,947 |
| Cost of funding earning assets | 0.4781% | 2,340 |
| Net interest margin | 2.9385% | 5,024 |
| Noninterest income to average assets | 0.2561% | 4,699 |
| Noninterest expense to average assets | 2.0556% | 4,865 |
| Loan and lease loss provision to assets | 0.1937% | 956 |
| Net operating income to assets | 0.7878% | 3,450 |
| Return on assets (ROA) | 0.7878% | 3,506 |
| Pretax return on assets | 0.8244% | 4,185 |
| Return on Equity (ROE) | 7.8091% | 3,141 |
| Retained earnings to average equity (ytd only) | -3.9046% | 5,483 |
| Net charge-offs to loans | 0.2415% | 845 |
| Credit loss provision to net charge-offs | 155.1724% | 1,494 |
| Earnings coverage of net charge-offs (x) | 8.1552% | 2,531 |
| Efficiency ratio | 64.7759% | 3,541 |
| Assets per employee ($millions) | 4.3390% | 3,364 |
| Cash dividends to net income (ytd only)* | 150.0000% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 638 |
| Loan loss allowance to noncurrent loans | 56.2195% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 765 |
| Noncurrent loans to loans | 3.4973% | 325 |
| Net loans and leases to total assets | 50.4511% | 4,675 |
| Net loans and leases to deposits | 57.1175% | 4,794 |
| Net loans and leases to core deposits | 57.6526% | 4,929 |
| Total domestic deposits to total assets | 88.3286% | 1,288 |
| Equity capital to assets | 10.1975% | 3,670 |
| Core capital (leverage) ratio | 10.3817% | 3,040 |
| Tier 1 risk-based capital ratio | 19.1343% | 1,569 |
| Total risk-based capital ratio | 20.3921% | 1,511 |
| Memoranda: | ||
| Average total assets | $92,916,000 | 4,440 |
| Average earning assets | $89,093,670 | 4,374 |
| Average equity | $9,373,670 | 4,615 |
| Average total loans | $48,037,000 | 4,579 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 4,996 |
| Cost of funding earning assets | 0.4630% | 2,399 |
| Net interest margin | 2.9069% | 5,071 |
| Noninterest income to average assets | 0.2217% | 4,949 |
| Noninterest expense to average assets | 2.0295% | 4,982 |
| Loan and lease loss provision to assets | 0.1919% | 871 |
| Net operating income to assets | 0.7462% | 3,494 |
| Return on assets (ROA) | 0.7462% | 3,548 |
| Pretax return on assets | 0.7845% | 4,166 |
| Return on Equity (ROE) | 7.4353% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.0363% | 3,443 |
| Net charge-offs to loans | 0.4773% | 387 |
| Credit loss provision to net charge-offs | 77.5862% | 1,769 |
| Earnings coverage of net charge-offs (x) | 3.9483% | 2,436 |
| Efficiency ratio | 65.3901% | 3,596 |
| Assets per employee ($millions) | 4.7034% | 2,838 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 811 |
| Loan loss allowance to noncurrent loans | 96.9061% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 1,890 |
| Noncurrent loans to loans | 1.9431% | 929 |
| Net loans and leases to total assets | 48.5803% | 4,781 |
| Net loans and leases to deposits | 54.1343% | 4,926 |
| Net loans and leases to core deposits | 54.3274% | 5,047 |
| Total domestic deposits to total assets | 89.7403% | 777 |
| Equity capital to assets | 9.9153% | 3,858 |
| Core capital (leverage) ratio | 10.5331% | 2,866 |
| Tier 1 risk-based capital ratio | 19.8275% | 1,423 |
| Total risk-based capital ratio | 21.0839% | 1,394 |
| Memoranda: | ||
| Average total assets | $93,814,000 | 4,463 |
| Average earning assets | $89,854,000 | 4,403 |
| Average equity | $9,414,500 | 4,638 |
| Average total loans | $48,609,000 | 4,605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 4,525 |
| Cost of funding earning assets | 0.4947% | 2,127 |
| Net interest margin | 3.0991% | 4,728 |
| Noninterest income to average assets | 0.2289% | 5,042 |
| Noninterest expense to average assets | 2.1758% | 4,832 |
| Loan and lease loss provision to assets | 0.1916% | 1,225 |
| Net operating income to assets | 0.7889% | 3,355 |
| Return on assets (ROA) | 0.7920% | 3,445 |
| Pretax return on assets | 0.8324% | 4,083 |
| Return on Equity (ROE) | 7.2364% | 3,348 |
| Retained earnings to average equity (ytd only) | -0.7587% | 5,415 |
| Net charge-offs to loans | 0.0482% | 3,078 |
| Credit loss provision to net charge-offs | 750.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 39.9583% | 1,179 |
| Efficiency ratio | 66.0673% | 3,577 |
| Assets per employee ($millions) | 4.9243% | 2,477 |
| Cash dividends to net income (ytd only)* | 110.4839% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,027 |
| Loan loss allowance to noncurrent loans | 86.8293% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 1,708 |
| Noncurrent loans to loans | 2.0240% | 883 |
| Net loans and leases to total assets | 53.1771% | 4,510 |
| Net loans and leases to deposits | 61.1727% | 4,604 |
| Net loans and leases to core deposits | 61.3992% | 4,783 |
| Total domestic deposits to total assets | 86.9294% | 2,189 |
| Equity capital to assets | 10.1559% | 3,541 |
| Core capital (leverage) ratio | 9.9304% | 3,592 |
| Tier 1 risk-based capital ratio | 17.7583% | 1,919 |
| Total risk-based capital ratio | 19.0136% | 1,876 |
| Memoranda: | ||
| Average total assets | $93,942,200 | 4,470 |
| Average earning assets | $89,961,000 | 4,387 |
| Average equity | $10,281,400 | 4,521 |
| Average total loans | $49,744,400 | 4,582 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,552 |
| Cost of funding earning assets | 0.4923% | 2,152 |
| Net interest margin | 3.1087% | 4,750 |
| Noninterest income to average assets | 0.2283% | 5,104 |
| Noninterest expense to average assets | 1.9538% | 5,291 |
| Loan and lease loss provision to assets | 0.1914% | 1,135 |
| Net operating income to assets | 1.0111% | 2,380 |
| Return on assets (ROA) | 1.0138% | 2,506 |
| Pretax return on assets | 1.0676% | 3,364 |
| Return on Equity (ROE) | 9.0997% | 2,449 |
| Retained earnings to average equity (ytd only) | 0.7636% | 5,160 |
| Net charge-offs to loans | 0.0646% | 2,421 |
| Credit loss provision to net charge-offs | 562.5000% | 642 |
| Earnings coverage of net charge-offs (x) | 36.9156% | 1,300 |
| Efficiency ratio | 58.8781% | 4,702 |
| Assets per employee ($millions) | 5.1619% | 2,173 |
| Cash dividends to net income (ytd only)* | 91.6082% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,218 |
| Loan loss allowance to noncurrent loans | 63.4384% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4497% | 1,260 |
| Noncurrent loans to loans | 2.6848% | 616 |
| Net loans and leases to total assets | 52.4867% | 4,617 |
| Net loans and leases to deposits | 59.5378% | 4,791 |
| Net loans and leases to core deposits | 59.7567% | 4,943 |
| Total domestic deposits to total assets | 88.1569% | 1,319 |
| Equity capital to assets | 11.2544% | 2,741 |
| Core capital (leverage) ratio | 10.6212% | 2,854 |
| Tier 1 risk-based capital ratio | 18.7078% | 1,734 |
| Total risk-based capital ratio | 19.9627% | 1,700 |
| Memoranda: | ||
| Average total assets | $94,037,500 | 4,505 |
| Average earning assets | $90,196,000 | 4,416 |
| Average equity | $10,476,250 | 4,544 |
| Average total loans | $49,519,750 | 4,630 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 4,673 |
| Cost of funding earning assets | 0.4946% | 2,145 |
| Net interest margin | 3.0782% | 4,893 |
| Noninterest income to average assets | 0.2309% | 5,101 |
| Noninterest expense to average assets | 1.8875% | 5,476 |
| Loan and lease loss provision to assets | 0.1907% | 1,136 |
| Net operating income to assets | 1.0509% | 2,165 |
| Return on assets (ROA) | 1.0550% | 2,272 |
| Pretax return on assets | 1.1100% | 3,163 |
| Return on Equity (ROE) | 9.5014% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.8303% | 1,701 |
| Net charge-offs to loans | -0.0081% | 4,640 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2854% | 4,992 |
| Assets per employee ($millions) | 5.4651% | 1,827 |
| Cash dividends to net income (ytd only)* | 28.1124% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 1,275 |
| Loan loss allowance to noncurrent loans | 37.8032% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.3680% | 621 |
| Noncurrent loans to loans | 4.4951% | 230 |
| Net loans and leases to total assets | 51.4310% | 4,723 |
| Net loans and leases to deposits | 58.4773% | 4,876 |
| Net loans and leases to core deposits | 58.6928% | 5,043 |
| Total domestic deposits to total assets | 87.9503% | 1,460 |
| Equity capital to assets | 11.6600% | 2,395 |
| Core capital (leverage) ratio | 10.7416% | 2,702 |
| Tier 1 risk-based capital ratio | 19.6442% | 1,532 |
| Total risk-based capital ratio | 20.9022% | 1,494 |
| Memoranda: | ||
| Average total assets | $94,411,670 | 4,535 |
| Average earning assets | $90,572,330 | 4,445 |
| Average equity | $10,482,670 | 4,571 |
| Average total loans | $49,488,670 | 4,666 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 4,764 |
| Cost of funding earning assets | 0.5002% | 2,105 |
| Net interest margin | 3.0496% | 5,000 |
| Noninterest income to average assets | 0.2144% | 5,205 |
| Noninterest expense to average assets | 1.8326% | 5,610 |
| Loan and lease loss provision to assets | 0.1891% | 1,047 |
| Net operating income to assets | 1.0592% | 2,054 |
| Return on assets (ROA) | 1.0592% | 2,163 |
| Pretax return on assets | 1.1139% | 3,038 |
| Return on Equity (ROE) | 9.7793% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.3463% | 3,308 |
| Net charge-offs to loans | -0.0160% | 4,749 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4343% | 5,156 |
| Assets per employee ($millions) | 5.6012% | 1,745 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,566 |
| Loan loss allowance to noncurrent loans | 62.2807% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 1,602 |
| Noncurrent loans to loans | 2.5926% | 702 |
| Net loans and leases to total assets | 49.9753% | 4,806 |
| Net loans and leases to deposits | 56.4509% | 4,954 |
| Net loans and leases to core deposits | 56.6525% | 5,104 |
| Total domestic deposits to total assets | 88.5288% | 1,342 |
| Equity capital to assets | 11.0543% | 2,880 |
| Core capital (leverage) ratio | 10.2127% | 3,301 |
| Tier 1 risk-based capital ratio | 18.8532% | 1,763 |
| Total risk-based capital ratio | 20.1058% | 1,731 |
| Memoranda: | ||
| Average total assets | $95,164,000 | 4,552 |
| Average earning assets | $91,159,000 | 4,479 |
| Average equity | $10,307,500 | 4,615 |
| Average total loans | $49,928,500 | 4,679 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5765% | 4,736 |
| Cost of funding earning assets | 0.5085% | 2,086 |
| Net interest margin | 3.0680% | 4,981 |
| Noninterest income to average assets | 0.2480% | 5,110 |
| Noninterest expense to average assets | 2.0369% | 5,384 |
| Loan and lease loss provision to assets | 0.1837% | 1,222 |
| Net operating income to assets | 0.9072% | 2,827 |
| Return on assets (ROA) | 0.9205% | 2,845 |
| Pretax return on assets | 0.9848% | 3,527 |
| Return on Equity (ROE) | 8.7660% | 2,587 |
| Retained earnings to average equity (ytd only) | -1.0982% | 5,671 |
| Net charge-offs to loans | 0.0077% | 4,170 |
| Credit loss provision to net charge-offs | 4,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 282.7500% | 254 |
| Efficiency ratio | 61.9124% | 4,619 |
| Assets per employee ($millions) | 5.5945% | 1,705 |
| Cash dividends to net income (ytd only)* | 112.5277% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 2,304 |
| Loan loss allowance to noncurrent loans | 52.2760% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.4941% | 1,355 |
| Noncurrent loans to loans | 2.7307% | 639 |
| Net loans and leases to total assets | 53.3652% | 4,553 |
| Net loans and leases to deposits | 60.0334% | 4,776 |
| Net loans and leases to core deposits | 60.2471% | 4,968 |
| Total domestic deposits to total assets | 88.8925% | 1,177 |
| Equity capital to assets | 10.6081% | 3,234 |
| Core capital (leverage) ratio | 9.8992% | 3,645 |
| Tier 1 risk-based capital ratio | 16.6924% | 2,397 |
| Total risk-based capital ratio | 17.9419% | 2,349 |
| Memoranda: | ||
| Average total assets | $97,994,200 | 4,501 |
| Average earning assets | $94,003,400 | 4,431 |
| Average equity | $10,289,800 | 4,601 |
| Average total loans | $51,947,600 | 4,610 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 4,874 |
| Cost of funding earning assets | 0.5061% | 2,158 |
| Net interest margin | 3.0397% | 5,102 |
| Noninterest income to average assets | 0.2566% | 5,103 |
| Noninterest expense to average assets | 1.8774% | 5,672 |
| Loan and lease loss provision to assets | 0.1823% | 1,139 |
| Net operating income to assets | 1.0463% | 2,235 |
| Return on assets (ROA) | 1.0603% | 2,263 |
| Pretax return on assets | 1.1318% | 3,089 |
| Return on Equity (ROE) | 10.1222% | 2,058 |
| Retained earnings to average equity (ytd only) | 0.9026% | 5,349 |
| Net charge-offs to loans | 0.0102% | 3,814 |
| Credit loss provision to net charge-offs | 3,375.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 240.6435% | 298 |
| Efficiency ratio | 57.1854% | 5,206 |
| Assets per employee ($millions) | 5.6621% | 1,623 |
| Cash dividends to net income (ytd only)* | 91.0829% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 2,838 |
| Loan loss allowance to noncurrent loans | 45.4186% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5760% | 1,419 |
| Noncurrent loans to loans | 2.9764% | 595 |
| Net loans and leases to total assets | 52.2347% | 4,733 |
| Net loans and leases to deposits | 58.8568% | 4,930 |
| Net loans and leases to core deposits | 59.4132% | 5,106 |
| Total domestic deposits to total assets | 88.7488% | 1,154 |
| Equity capital to assets | 10.8679% | 3,172 |
| Core capital (leverage) ratio | 10.5297% | 3,010 |
| Tier 1 risk-based capital ratio | 17.5328% | 2,177 |
| Total risk-based capital ratio | 18.7065% | 2,156 |
| Memoranda: | ||
| Average total assets | $98,716,000 | 4,535 |
| Average earning assets | $94,832,500 | 4,464 |
| Average equity | $10,340,000 | 4,647 |
| Average total loans | $52,062,250 | 4,660 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 4,976 |
| Cost of funding earning assets | 0.5062% | 2,198 |
| Net interest margin | 2.9951% | 5,232 |
| Noninterest income to average assets | 0.2713% | 5,015 |
| Noninterest expense to average assets | 1.8847% | 5,736 |
| Loan and lease loss provision to assets | 0.1808% | 1,128 |
| Net operating income to assets | 1.0140% | 2,318 |
| Return on assets (ROA) | 1.0348% | 2,321 |
| Pretax return on assets | 1.1051% | 3,149 |
| Return on Equity (ROE) | 10.0003% | 2,072 |
| Retained earnings to average equity (ytd only) | 2.9127% | 4,184 |
| Net charge-offs to loans | 0.0229% | 3,206 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 104.8333% | 581 |
| Efficiency ratio | 57.9451% | 5,225 |
| Assets per employee ($millions) | 5.7668% | 1,521 |
| Cash dividends to net income (ytd only)* | 70.8738% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 3,624 |
| Loan loss allowance to noncurrent loans | 35.0820% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.8667% | 1,226 |
| Noncurrent loans to loans | 3.5051% | 499 |
| Net loans and leases to total assets | 52.6006% | 4,694 |
| Net loans and leases to deposits | 58.9836% | 4,933 |
| Net loans and leases to core deposits | 59.5304% | 5,101 |
| Total domestic deposits to total assets | 89.1784% | 1,059 |
| Equity capital to assets | 10.3687% | 3,591 |
| Core capital (leverage) ratio | 9.9423% | 3,693 |
| Tier 1 risk-based capital ratio | 17.2607% | 2,299 |
| Total risk-based capital ratio | 18.3698% | 2,308 |
| Memoranda: | ||
| Average total assets | $99,536,000 | 4,562 |
| Average earning assets | $95,623,670 | 4,480 |
| Average equity | $10,299,670 | 4,686 |
| Average total loans | $52,427,000 | 4,691 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 5,097 |
| Cost of funding earning assets | 0.5019% | 2,264 |
| Net interest margin | 2.9452% | 5,357 |
| Noninterest income to average assets | 0.2832% | 4,914 |
| Noninterest expense to average assets | 1.9823% | 5,615 |
| Loan and lease loss provision to assets | 0.1795% | 1,072 |
| Net operating income to assets | 0.8895% | 2,791 |
| Return on assets (ROA) | 0.8895% | 2,918 |
| Pretax return on assets | 0.9533% | 3,676 |
| Return on Equity (ROE) | 8.6042% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.6042% | 1,342 |
| Net charge-offs to loans | 0.0533% | 2,242 |
| Credit loss provision to net charge-offs | 642.8571% | 451 |
| Earnings coverage of net charge-offs (x) | 40.5714% | 965 |
| Efficiency ratio | 63.6364% | 4,531 |
| Assets per employee ($millions) | 5.6791% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 4,222 |
| Loan loss allowance to noncurrent loans | 42.9086% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3588% | 1,954 |
| Noncurrent loans to loans | 2.6972% | 872 |
| Net loans and leases to total assets | 49.7936% | 4,874 |
| Net loans and leases to deposits | 55.9008% | 5,057 |
| Net loans and leases to core deposits | 56.3975% | 5,227 |
| Total domestic deposits to total assets | 89.0750% | 1,215 |
| Equity capital to assets | 10.4897% | 3,545 |
| Core capital (leverage) ratio | 9.8839% | 3,776 |
| Tier 1 risk-based capital ratio | 17.5828% | 2,273 |
| Total risk-based capital ratio | 18.6248% | 2,308 |
| Memoranda: | ||
| Average total assets | $100,286,500 | 4,587 |
| Average earning assets | $96,427,000 | 4,493 |
| Average equity | $10,367,000 | 4,712 |
| Average total loans | $52,536,000 | 4,716 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 5,084 |
| Cost of funding earning assets | 0.5636% | 2,108 |
| Net interest margin | 3.0335% | 5,366 |
| Noninterest income to average assets | 0.2486% | 5,345 |
| Noninterest expense to average assets | 1.9088% | 5,921 |
| Loan and lease loss provision to assets | 0.1860% | 1,383 |
| Net operating income to assets | 1.0272% | 2,277 |
| Return on assets (ROA) | 1.0376% | 2,306 |
| Pretax return on assets | 1.0728% | 3,196 |
| Return on Equity (ROE) | 11.0913% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.1212% | 1,847 |
| Net charge-offs to loans | 0.0417% | 3,991 |
| Credit loss provision to net charge-offs | 863.6364% | 315 |
| Earnings coverage of net charge-offs (x) | 57.9545% | 814 |
| Efficiency ratio | 60.4651% | 5,153 |
| Assets per employee ($millions) | 5.4638% | 1,801 |
| Cash dividends to net income (ytd only)* | 44.8113% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 4,846 |
| Loan loss allowance to noncurrent loans | 32.9787% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7204% | 1,549 |
| Noncurrent loans to loans | 3.1582% | 700 |
| Net loans and leases to total assets | 53.9070% | 4,593 |
| Net loans and leases to deposits | 60.3055% | 4,880 |
| Net loans and leases to core deposits | 60.8600% | 5,072 |
| Total domestic deposits to total assets | 89.3898% | 1,024 |
| Equity capital to assets | 10.2807% | 3,751 |
| Core capital (leverage) ratio | 9.4234% | 4,352 |
| Tier 1 risk-based capital ratio | 16.8073% | 2,592 |
| Total risk-based capital ratio | 17.7821% | 2,647 |
| Memoranda: | ||
| Average total assets | $102,159,000 | 4,540 |
| Average earning assets | $97,941,200 | 4,451 |
| Average equity | $9,557,000 | 4,850 |
| Average total loans | $52,802,800 | 4,730 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 5,384 |
| Cost of funding earning assets | 0.5744% | 2,067 |
| Net interest margin | 2.9312% | 5,632 |
| Noninterest income to average assets | 0.2379% | 5,505 |
| Noninterest expense to average assets | 1.8620% | 6,006 |
| Loan and lease loss provision to assets | 0.1875% | 1,297 |
| Net operating income to assets | 0.9534% | 2,669 |
| Return on assets (ROA) | 0.9607% | 2,714 |
| Pretax return on assets | 1.0073% | 3,564 |
| Return on Equity (ROE) | 10.5180% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.5180% | 590 |
| Net charge-offs to loans | 0.0279% | 3,939 |
| Credit loss provision to net charge-offs | 1,318.1818% | 262 |
| Earnings coverage of net charge-offs (x) | 83.4335% | 684 |
| Efficiency ratio | 61.0687% | 5,027 |
| Assets per employee ($millions) | 7.3711% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 5,332 |
| Loan loss allowance to noncurrent loans | 26.5316% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 1.9284% | 1,510 |
| Noncurrent loans to loans | 3.6646% | 631 |
| Net loans and leases to total assets | 51.7171% | 4,834 |
| Net loans and leases to deposits | 57.5381% | 5,138 |
| Net loans and leases to core deposits | 57.7248% | 5,350 |
| Total domestic deposits to total assets | 89.8833% | 792 |
| Equity capital to assets | 9.7039% | 4,547 |
| Core capital (leverage) ratio | 9.4261% | 4,477 |
| Tier 1 risk-based capital ratio | 9.4450% | 6,444 |
| Total risk-based capital ratio | 9.9518% | 6,493 |
| Memoranda: | ||
| Average total assets | $103,111,500 | 4,569 |
| Average earning assets | $98,886,000 | 4,463 |
| Average equity | $9,418,500 | 4,916 |
| Average total loans | $52,609,750 | 4,775 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 5,458 |
| Cost of funding earning assets | 0.5999% | 1,900 |
| Net interest margin | 2.8761% | 5,775 |
| Noninterest income to average assets | 0.2270% | 5,584 |
| Noninterest expense to average assets | 1.7753% | 6,181 |
| Loan and lease loss provision to assets | 0.1940% | 1,262 |
| Net operating income to assets | 1.0205% | 2,243 |
| Return on assets (ROA) | 1.0322% | 2,259 |
| Pretax return on assets | 1.0322% | 3,352 |
| Return on Equity (ROE) | 11.5401% | 1,565 |
| Retained earnings to average equity (ytd only) | 11.5401% | 473 |
| Net charge-offs to loans | 0.0422% | 3,385 |
| Credit loss provision to net charge-offs | 909.0909% | 356 |
| Earnings coverage of net charge-offs (x) | 56.9091% | 835 |
| Efficiency ratio | 59.3770% | 5,376 |
| Assets per employee ($millions) | 7.4444% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 5,670 |
| Loan loss allowance to noncurrent loans | 35.8801% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 2,556 |
| Noncurrent loans to loans | 2.5594% | 1,208 |
| Net loans and leases to total assets | 49.5874% | 5,004 |
| Net loans and leases to deposits | 54.9085% | 5,296 |
| Net loans and leases to core deposits | 55.0841% | 5,476 |
| Total domestic deposits to total assets | 90.3091% | 657 |
| Equity capital to assets | 9.3627% | 4,892 |
| Core capital (leverage) ratio | 9.0685% | 4,909 |
| Tier 1 risk-based capital ratio | 53.4479% | 114 |
| Total risk-based capital ratio | 53.4479% | 120 |
| Memoranda: | ||
| Average total assets | $103,083,330 | 4,604 |
| Average earning assets | $99,022,670 | 4,490 |
| Average equity | $9,220,000 | 4,978 |
| Average total loans | $52,181,670 | 4,823 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 5,660 |
| Cost of funding earning assets | 0.6796% | 1,364 |
| Net interest margin | 2.7142% | 6,093 |
| Noninterest income to average assets | 0.2107% | 5,668 |
| Noninterest expense to average assets | 1.8339% | 6,174 |
| Loan and lease loss provision to assets | 0.2146% | 1,069 |
| Net operating income to assets | 0.7453% | 3,451 |
| Return on assets (ROA) | 0.7453% | 3,534 |
| Pretax return on assets | 0.7648% | 4,250 |
| Return on Equity (ROE) | 8.5354% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.5354% | 1,406 |
| Net charge-offs to loans | 0.0766% | 2,382 |
| Credit loss provision to net charge-offs | 550.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 25.1000% | 1,165 |
| Efficiency ratio | 65.1872% | 4,660 |
| Assets per employee ($millions) | 6.5934% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 5,919 |
| Loan loss allowance to noncurrent loans | 35.5683% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 2,941 |
| Noncurrent loans to loans | 2.4811% | 1,394 |
| Net loans and leases to total assets | 46.3126% | 5,302 |
| Net loans and leases to deposits | 50.8392% | 5,537 |
| Net loans and leases to core deposits | 50.9984% | 5,687 |
| Total domestic deposits to total assets | 91.0962% | 537 |
| Equity capital to assets | 8.6119% | 5,537 |
| Core capital (leverage) ratio | 8.9778% | 5,048 |
| Tier 1 risk-based capital ratio | 15.7138% | 3,324 |
| Total risk-based capital ratio | 16.4586% | 3,562 |
| Memoranda: | ||
| Average total assets | $102,514,000 | 4,668 |
| Average earning assets | $98,299,000 | 4,557 |
| Average equity | $8,951,000 | 5,062 |
| Average total loans | $52,192,500 | 4,856 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,862 |
| Cost of funding earning assets | 0.6086% | 2,585 |
| Net interest margin | 2.7803% | 6,010 |
| Noninterest income to average assets | 0.2960% | 5,235 |
| Noninterest expense to average assets | 2.1628% | 5,705 |
| Loan and lease loss provision to assets | 0.1358% | 2,612 |
| Net operating income to assets | 0.6306% | 4,110 |
| Return on assets (ROA) | 0.6463% | 4,157 |
| Pretax return on assets | 0.6748% | 4,622 |
| Return on Equity (ROE) | 7.3163% | 3,398 |
| Retained earnings to average equity (ytd only) | 4.5496% | 2,923 |
| Net charge-offs to loans | 0.0056% | 5,353 |
| Credit loss provision to net charge-offs | 5,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 292.5000% | 152 |
| Efficiency ratio | 72.7732% | 3,340 |
| Assets per employee ($millions) | 4.9767% | 2,203 |
| Cash dividends to net income (ytd only)* | 37.8151% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 6,336 |
| Loan loss allowance to noncurrent loans | 34.4523% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 3,123 |
| Noncurrent loans to loans | 2.0547% | 1,928 |
| Net loans and leases to total assets | 54.9591% | 4,464 |
| Net loans and leases to deposits | 60.5289% | 4,892 |
| Net loans and leases to core deposits | 60.7305% | 5,160 |
| Total domestic deposits to total assets | 90.7981% | 658 |
| Equity capital to assets | 8.8583% | 5,192 |
| Core capital (leverage) ratio | 9.6932% | 3,993 |
| Tier 1 risk-based capital ratio | 15.5275% | 3,359 |
| Total risk-based capital ratio | 15.6867% | 3,937 |
| Memoranda: | ||
| Average total assets | $73,654,800 | 5,383 |
| Average earning assets | $70,495,400 | 5,300 |
| Average equity | $6,506,000 | 5,692 |
| Average total loans | $35,631,800 | 5,510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 6,167 |
| Cost of funding earning assets | 0.6199% | 2,648 |
| Net interest margin | 2.6017% | 6,312 |
| Noninterest income to average assets | 0.2104% | 5,915 |
| Noninterest expense to average assets | 1.8436% | 6,274 |
| Loan and lease loss provision to assets | 0.0595% | 3,859 |
| Net operating income to assets | 0.7567% | 3,574 |
| Return on assets (ROA) | 0.7680% | 3,647 |
| Pretax return on assets | 0.8097% | 4,255 |
| Return on Equity (ROE) | 8.7039% | 2,790 |
| Retained earnings to average equity (ytd only) | 7.3544% | 1,705 |
| Net charge-offs to loans | 0.0087% | 4,981 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 215.7266% | 271 |
| Efficiency ratio | 67.5239% | 4,185 |
| Assets per employee ($millions) | 5.1333% | 2,017 |
| Cash dividends to net income (ytd only)* | 15.5042% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 6,537 |
| Loan loss allowance to noncurrent loans | 29.8507% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 3,566 |
| Noncurrent loans to loans | 2.0775% | 2,158 |
| Net loans and leases to total assets | 49.9489% | 5,143 |
| Net loans and leases to deposits | 54.8197% | 5,469 |
| Net loans and leases to core deposits | 54.9961% | 5,696 |
| Total domestic deposits to total assets | 91.1148% | 482 |
| Equity capital to assets | 8.5647% | 5,666 |
| Core capital (leverage) ratio | 8.6853% | 5,557 |
| Tier 1 risk-based capital ratio | 15.5743% | 3,434 |
| Total risk-based capital ratio | 16.1286% | 3,784 |
| Memoranda: | ||
| Average total assets | $67,185,000 | 5,620 |
| Average earning assets | $64,314,750 | 5,516 |
| Average equity | $5,928,250 | 5,911 |
| Average total loans | $30,766,500 | 5,775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 6,400 |
| Cost of funding earning assets | 0.6796% | 2,225 |
| Net interest margin | 2.3653% | 6,580 |
| Noninterest income to average assets | 0.2059% | 5,970 |
| Noninterest expense to average assets | 1.7992% | 6,381 |
| Loan and lease loss provision to assets | 0.0361% | 4,222 |
| Net operating income to assets | 0.6178% | 4,209 |
| Return on assets (ROA) | 0.6178% | 4,372 |
| Pretax return on assets | 0.6467% | 4,853 |
| Return on Equity (ROE) | 6.8767% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.4638% | 3,423 |
| Net charge-offs to loans | 0.0168% | 4,505 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 493 |
| Efficiency ratio | 72.4891% | 3,389 |
| Assets per employee ($millions) | 6.9226% | 746 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,655 |
| Loan loss allowance to noncurrent loans | 76.5306% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 4,451 |
| Noncurrent loans to loans | 1.6575% | 2,826 |
| Net loans and leases to total assets | 42.1625% | 5,887 |
| Net loans and leases to deposits | 45.7278% | 6,122 |
| Net loans and leases to core deposits | 45.9981% | 6,235 |
| Total domestic deposits to total assets | 92.2031% | 220 |
| Equity capital to assets | 7.5170% | 6,433 |
| Core capital (leverage) ratio | 9.2704% | 4,593 |
| Tier 1 risk-based capital ratio | 15.5343% | 3,464 |
| Total risk-based capital ratio | 16.4213% | 3,635 |
| Memoranda: | ||
| Average total assets | $55,358,330 | 5,986 |
| Average earning assets | $53,270,330 | 5,886 |
| Average equity | $4,973,330 | 6,189 |
| Average total loans | $23,822,000 | 6,138 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9623% | 6,554 |
| Cost of funding earning assets | 0.7010% | 2,197 |
| Net interest margin | 2.2613% | 6,715 |
| Noninterest income to average assets | 0.2096% | 5,983 |
| Noninterest expense to average assets | 1.5105% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8673% | 2,823 |
| Return on assets (ROA) | 0.8673% | 2,965 |
| Pretax return on assets | 0.8673% | 3,885 |
| Return on Equity (ROE) | 8.9244% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.9244% | 1,402 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5258% | 5,080 |
| Assets per employee ($millions) | 8.2290% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 4,591 |
| Loan loss allowance to noncurrent loans | 73.3668% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 4,646 |
| Noncurrent loans to loans | 1.8020% | 2,856 |
| Net loans and leases to total assets | 37.8366% | 6,157 |
| Net loans and leases to deposits | 42.0096% | 6,319 |
| Net loans and leases to core deposits | 42.2539% | 6,394 |
| Total domestic deposits to total assets | 90.0665% | 1,001 |
| Equity capital to assets | 9.4266% | 4,962 |
| Core capital (leverage) ratio | 9.2958% | 4,405 |
| Tier 1 risk-based capital ratio | 17.3312% | 2,635 |
| Total risk-based capital ratio | 18.2926% | 2,704 |
| Memoranda: | ||
| Average total assets | $55,347,000 | 6,038 |
| Average earning assets | $53,067,500 | 5,942 |
| Average equity | $5,378,500 | 6,146 |
| Average total loans | $23,908,000 | 6,182 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5934% | 6,234 |
| Cost of funding earning assets | 0.7825% | 2,805 |
| Net interest margin | 2.8109% | 6,372 |
| Noninterest income to average assets | 0.2704% | 5,525 |
| Noninterest expense to average assets | 1.8809% | 6,514 |
| Loan and lease loss provision to assets | 0.0789% | 4,719 |
| Net operating income to assets | 0.8727% | 2,947 |
| Return on assets (ROA) | 0.8802% | 3,156 |
| Pretax return on assets | 0.9276% | 3,820 |
| Return on Equity (ROE) | 8.7903% | 2,740 |
| Retained earnings to average equity (ytd only) | 7.6077% | 1,274 |
| Net charge-offs to loans | -0.1764% | 6,923 |
| Credit loss provision to net charge-offs | -97.5610% | 6,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3187% | 4,642 |
| Assets per employee ($millions) | 7.5844% | 600 |
| Cash dividends to net income (ytd only)* | 13.4529% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,414 |
| Loan loss allowance to noncurrent loans | 78.9189% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 4,746 |
| Noncurrent loans to loans | 1.4381% | 3,441 |
| Net loans and leases to total assets | 47.9121% | 5,426 |
| Net loans and leases to deposits | 53.4649% | 5,695 |
| Net loans and leases to core deposits | 53.8042% | 5,890 |
| Total domestic deposits to total assets | 89.6141% | 1,180 |
| Equity capital to assets | 10.0337% | 4,124 |
| Core capital (leverage) ratio | 9.8826% | 3,566 |
| Tier 1 risk-based capital ratio | 16.1137% | 3,096 |
| Total risk-based capital ratio | 17.0285% | 3,236 |
| Memoranda: | ||
| Average total assets | $50,668,000 | 6,197 |
| Average earning assets | $47,030,600 | 6,150 |
| Average equity | $5,073,800 | 6,270 |
| Average total loans | $23,238,200 | 6,279 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 6,269 |
| Cost of funding earning assets | 0.8045% | 2,902 |
| Net interest margin | 2.8692% | 6,410 |
| Noninterest income to average assets | 0.2743% | 5,586 |
| Noninterest expense to average assets | 1.8537% | 6,608 |
| Loan and lease loss provision to assets | 0.0799% | 4,633 |
| Net operating income to assets | 0.9407% | 2,793 |
| Return on assets (ROA) | 0.9508% | 2,969 |
| Pretax return on assets | 1.0014% | 3,702 |
| Return on Equity (ROE) | 9.4999% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.9032% | 1,656 |
| Net charge-offs to loans | -0.0118% | 6,396 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3880% | 4,905 |
| Assets per employee ($millions) | 7.4020% | 621 |
| Cash dividends to net income (ytd only)* | 16.8071% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,691 |
| Loan loss allowance to noncurrent loans | 55.3531% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 4,583 |
| Noncurrent loans to loans | 1.9994% | 2,842 |
| Net loans and leases to total assets | 41.9076% | 6,136 |
| Net loans and leases to deposits | 46.8590% | 6,328 |
| Net loans and leases to core deposits | 47.1644% | 6,465 |
| Total domestic deposits to total assets | 89.4334% | 1,169 |
| Equity capital to assets | 10.1440% | 4,287 |
| Core capital (leverage) ratio | 9.9351% | 3,639 |
| Tier 1 risk-based capital ratio | 16.4529% | 3,031 |
| Total risk-based capital ratio | 17.2440% | 3,232 |
| Memoranda: | ||
| Average total assets | $50,062,250 | 6,282 |
| Average earning assets | $46,237,500 | 6,242 |
| Average equity | $5,010,500 | 6,357 |
| Average total loans | $22,615,500 | 6,390 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 6,198 |
| Cost of funding earning assets | 0.8259% | 2,986 |
| Net interest margin | 2.9504% | 6,341 |
| Noninterest income to average assets | 0.2789% | 5,580 |
| Noninterest expense to average assets | 1.7907% | 6,761 |
| Loan and lease loss provision to assets | 0.0808% | 4,584 |
| Net operating income to assets | 1.1076% | 2,019 |
| Return on assets (ROA) | 1.1237% | 2,180 |
| Pretax return on assets | 1.1237% | 3,216 |
| Return on Equity (ROE) | 11.2809% | 1,887 |
| Retained earnings to average equity (ytd only) | 8.8462% | 1,327 |
| Net charge-offs to loans | -0.0088% | 6,260 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1085% | 5,558 |
| Assets per employee ($millions) | 6.3359% | 1,043 |
| Cash dividends to net income (ytd only)* | 21.5827% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,087 |
| Loan loss allowance to noncurrent loans | 179.8450% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,124 |
| Noncurrent loans to loans | 0.5650% | 5,377 |
| Net loans and leases to total assets | 44.5834% | 5,958 |
| Net loans and leases to deposits | 49.7995% | 6,193 |
| Net loans and leases to core deposits | 50.1309% | 6,335 |
| Total domestic deposits to total assets | 89.5259% | 1,209 |
| Equity capital to assets | 10.0657% | 4,238 |
| Core capital (leverage) ratio | 10.1221% | 3,243 |
| Tier 1 risk-based capital ratio | 16.0082% | 3,165 |
| Total risk-based capital ratio | 16.7546% | 3,404 |
| Memoranda: | ||
| Average total assets | $49,478,330 | 6,332 |
| Average earning assets | $45,282,330 | 6,308 |
| Average equity | $4,928,670 | 6,409 |
| Average total loans | $22,835,000 | 6,424 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 6,312 |
| Cost of funding earning assets | 0.8745% | 2,880 |
| Net interest margin | 2.8938% | 6,498 |
| Noninterest income to average assets | 0.2619% | 5,774 |
| Noninterest expense to average assets | 1.7760% | 6,818 |
| Loan and lease loss provision to assets | 0.0818% | 4,368 |
| Net operating income to assets | 0.9821% | 2,548 |
| Return on assets (ROA) | 0.9821% | 2,750 |
| Pretax return on assets | 1.0312% | 3,564 |
| Return on Equity (ROE) | 9.9133% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.9133% | 1,291 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4731% | 5,374 |
| Assets per employee ($millions) | 6.0931% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 6,472 |
| Loan loss allowance to noncurrent loans | 178.2258% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 6,009 |
| Noncurrent loans to loans | 0.5216% | 5,625 |
| Net loans and leases to total assets | 48.3168% | 5,512 |
| Net loans and leases to deposits | 54.0010% | 5,809 |
| Net loans and leases to core deposits | 55.0100% | 5,983 |
| Total domestic deposits to total assets | 89.4738% | 1,388 |
| Equity capital to assets | 10.0810% | 4,024 |
| Core capital (leverage) ratio | 9.8168% | 3,618 |
| Tier 1 risk-based capital ratio | 16.6280% | 2,856 |
| Total risk-based capital ratio | 17.3815% | 3,073 |
| Memoranda: | ||
| Average total assets | $48,874,000 | 6,400 |
| Average earning assets | $44,370,500 | 6,387 |
| Average equity | $4,842,000 | 6,475 |
| Average total loans | $22,837,500 | 6,471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 6,850 |
| Cost of funding earning assets | 1.0151% | 3,266 |
| Net interest margin | 2.6853% | 6,935 |
| Noninterest income to average assets | 0.2639% | 5,644 |
| Noninterest expense to average assets | 1.9108% | 6,814 |
| Loan and lease loss provision to assets | 0.0992% | 5,348 |
| Net operating income to assets | 0.6925% | 3,525 |
| Return on assets (ROA) | 0.6925% | 3,713 |
| Pretax return on assets | 0.7262% | 4,234 |
| Return on Equity (ROE) | 8.6755% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.6755% | 886 |
| Net charge-offs to loans | 0.1723% | 4,771 |
| Credit loss provision to net charge-offs | 142.8571% | 2,037 |
| Earnings coverage of net charge-offs (x) | 11.8857% | 1,672 |
| Efficiency ratio | 69.8332% | 3,996 |
| Assets per employee ($millions) | 6.1254% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,353 |
| Loan loss allowance to noncurrent loans | 52.8822% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 4,790 |
| Noncurrent loans to loans | 1.8218% | 3,439 |
| Net loans and leases to total assets | 44.2646% | 6,183 |
| Net loans and leases to deposits | 49.2563% | 6,421 |
| Net loans and leases to core deposits | 50.1677% | 6,524 |
| Total domestic deposits to total assets | 89.8659% | 1,066 |
| Equity capital to assets | 9.7341% | 4,546 |
| Core capital (leverage) ratio | 9.9350% | 3,413 |
| Tier 1 risk-based capital ratio | 15.2639% | 3,477 |
| Total risk-based capital ratio | 15.9410% | 3,820 |
| Memoranda: | ||
| Average total assets | $50,396,600 | 6,349 |
| Average earning assets | $46,401,200 | 6,316 |
| Average equity | $4,022,800 | 6,745 |
| Average total loans | $20,313,400 | 6,646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 6,958 |
| Cost of funding earning assets | 1.0592% | 3,254 |
| Net interest margin | 2.6124% | 7,066 |
| Noninterest income to average assets | 0.2654% | 5,719 |
| Noninterest expense to average assets | 1.8497% | 6,922 |
| Loan and lease loss provision to assets | 0.0788% | 5,459 |
| Net operating income to assets | 0.7199% | 3,507 |
| Return on assets (ROA) | 0.7199% | 3,682 |
| Pretax return on assets | 0.7541% | 4,298 |
| Return on Equity (ROE) | 9.5235% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.5235% | 977 |
| Net charge-offs to loans | 0.0402% | 5,592 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 52.8325% | 616 |
| Efficiency ratio | 68.9520% | 4,132 |
| Assets per employee ($millions) | 5.9270% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,838 |
| Loan loss allowance to noncurrent loans | 128.6550% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 5,941 |
| Noncurrent loans to loans | 0.8649% | 5,136 |
| Net loans and leases to total assets | 41.2350% | 6,543 |
| Net loans and leases to deposits | 46.0643% | 6,736 |
| Net loans and leases to core deposits | 46.9492% | 6,801 |
| Total domestic deposits to total assets | 89.5162% | 1,134 |
| Equity capital to assets | 10.0620% | 4,261 |
| Core capital (leverage) ratio | 8.3704% | 5,898 |
| Tier 1 risk-based capital ratio | 18.0313% | 2,237 |
| Total risk-based capital ratio | 18.8785% | 2,359 |
| Memoranda: | ||
| Average total assets | $50,745,000 | 6,401 |
| Average earning assets | $46,954,000 | 6,342 |
| Average equity | $3,836,000 | 6,850 |
| Average total loans | $19,916,250 | 6,726 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 7,205 |
| Cost of funding earning assets | 1.0797% | 3,394 |
| Net interest margin | 2.3380% | 7,266 |
| Noninterest income to average assets | 0.2546% | 5,829 |
| Noninterest expense to average assets | 1.7510% | 7,135 |
| Loan and lease loss provision to assets | 0.0771% | 5,346 |
| Net operating income to assets | 0.6171% | 3,974 |
| Return on assets (ROA) | 0.6171% | 4,104 |
| Pretax return on assets | 0.6480% | 4,578 |
| Return on Equity (ROE) | 9.0797% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.0797% | 1,077 |
| Net charge-offs to loans | 0.0100% | 5,713 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 198 |
| Efficiency ratio | 70.7165% | 3,982 |
| Assets per employee ($millions) | 7.6283% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 5,711 |
| Loan loss allowance to noncurrent loans | 108.5859% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 6,139 |
| Noncurrent loans to loans | 1.0698% | 4,877 |
| Net loans and leases to total assets | 29.9757% | 7,178 |
| Net loans and leases to deposits | 32.5608% | 7,263 |
| Net loans and leases to core deposits | 33.0360% | 7,275 |
| Total domestic deposits to total assets | 92.0608% | 225 |
| Equity capital to assets | 7.5902% | 6,907 |
| Core capital (leverage) ratio | 8.8374% | 4,986 |
| Tier 1 risk-based capital ratio | 16.2834% | 2,843 |
| Total risk-based capital ratio | 17.0500% | 3,061 |
| Memoranda: | ||
| Average total assets | $51,854,670 | 6,418 |
| Average earning assets | $49,272,670 | 6,328 |
| Average equity | $3,524,330 | 6,976 |
| Average total loans | $19,964,330 | 6,791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 7,018 |
| Cost of funding earning assets | 1.2303% | 2,628 |
| Net interest margin | 2.5136% | 7,188 |
| Noninterest income to average assets | 0.2623% | 5,787 |
| Noninterest expense to average assets | 1.9294% | 6,940 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7024% | 3,511 |
| Return on assets (ROA) | 0.7024% | 3,578 |
| Pretax return on assets | 0.7362% | 4,161 |
| Return on Equity (ROE) | 11.1766% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.1766% | 871 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3810% | 3,793 |
| Assets per employee ($millions) | 6.1751% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,405 |
| Loan loss allowance to noncurrent loans | 98.0000% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,788 |
| Noncurrent loans to loans | 1.0181% | 5,019 |
| Net loans and leases to total assets | 39.3696% | 6,823 |
| Net loans and leases to deposits | 42.2107% | 7,015 |
| Net loans and leases to core deposits | 43.4391% | 7,056 |
| Total domestic deposits to total assets | 93.2694% | 115 |
| Equity capital to assets | 6.2367% | 7,258 |
| Core capital (leverage) ratio | 7.5208% | 6,714 |
| Tier 1 risk-based capital ratio | 13.1009% | 4,748 |
| Total risk-based capital ratio | 13.8365% | 5,161 |
| Memoranda: | ||
| Average total assets | $47,269,000 | 6,606 |
| Average earning assets | $45,193,500 | 6,517 |
| Average equity | $2,970,500 | 7,175 |
| Average total loans | $20,692,500 | 6,804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 6,924 |
| Cost of funding earning assets | 1.5948% | 2,100 |
| Net interest margin | 2.6034% | 7,203 |
| Noninterest income to average assets | 0.0838% | 6,973 |
| Noninterest expense to average assets | 2.1493% | 6,732 |
| Loan and lease loss provision to assets | 0.1543% | 5,662 |
| Net operating income to assets | 0.1301% | 5,503 |
| Return on assets (ROA) | 0.1279% | 5,659 |
| Pretax return on assets | 0.1279% | 5,648 |
| Return on Equity (ROE) | 1.8329% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.8329% | 4,582 |
| Net charge-offs to loans | 0.6652% | 3,018 |
| Credit loss provision to net charge-offs | 51.4706% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.9485% | 5,160 |
| Efficiency ratio | 88.3152% | 1,456 |
| Assets per employee ($millions) | 5.6421% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 6,717 |
| Loan loss allowance to noncurrent loans | 46.0094% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,715 |
| Noncurrent loans to loans | 1.9595% | 3,624 |
| Net loans and leases to total assets | 47.7302% | 6,417 |
| Net loans and leases to deposits | 51.2477% | 6,795 |
| Net loans and leases to core deposits | 53.0105% | 6,859 |
| Total domestic deposits to total assets | 93.1365% | 133 |
| Equity capital to assets | 6.3363% | 7,288 |
| Core capital (leverage) ratio | 6.9168% | 7,063 |
| Tier 1 risk-based capital ratio | 11.4375% | 5,958 |
| Total risk-based capital ratio | 12.1363% | 6,396 |
| Memoranda: | ||
| Average total assets | $45,363,600 | 6,685 |
| Average earning assets | $40,946,600 | 6,676 |
| Average equity | $3,164,400 | 7,229 |
| Average total loans | $20,445,400 | 6,903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 7,063 |
| Cost of funding earning assets | 1.6940% | 1,909 |
| Net interest margin | 2.5295% | 7,354 |
| Noninterest income to average assets | 0.2965% | 5,765 |
| Noninterest expense to average assets | 2.1811% | 6,656 |
| Loan and lease loss provision to assets | 0.2055% | 5,002 |
| Net operating income to assets | 0.1585% | 5,622 |
| Return on assets (ROA) | 0.1556% | 5,782 |
| Pretax return on assets | 0.1556% | 5,821 |
| Return on Equity (ROE) | 2.1805% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.1805% | 4,865 |
| Net charge-offs to loans | 0.9012% | 2,196 |
| Credit loss provision to net charge-offs | 51.4706% | 5,859 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 5,146 |
| Efficiency ratio | 85.6978% | 1,662 |
| Assets per employee ($millions) | 5.0801% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 6,333 |
| Loan loss allowance to noncurrent loans | 47.6773% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 4,549 |
| Noncurrent loans to loans | 2.1267% | 3,544 |
| Net loans and leases to total assets | 41.6373% | 7,000 |
| Net loans and leases to deposits | 45.1649% | 7,197 |
| Net loans and leases to core deposits | 46.4317% | 7,256 |
| Total domestic deposits to total assets | 92.1896% | 167 |
| Equity capital to assets | 7.3270% | 7,214 |
| Core capital (leverage) ratio | 6.9259% | 7,201 |
| Tier 1 risk-based capital ratio | 12.6073% | 4,884 |
| Total risk-based capital ratio | 13.3748% | 5,304 |
| Memoranda: | ||
| Average total assets | $45,420,250 | 6,765 |
| Average earning assets | $40,376,500 | 6,784 |
| Average equity | $3,240,500 | 7,299 |
| Average total loans | $20,121,750 | 7,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 7,215 |
| Cost of funding earning assets | 1.7592% | 1,822 |
| Net interest margin | 2.4039% | 7,473 |
| Noninterest income to average assets | 0.2824% | 5,883 |
| Noninterest expense to average assets | 2.0741% | 6,972 |
| Loan and lease loss provision to assets | 0.3089% | 3,910 |
| Net operating income to assets | 0.0221% | 6,049 |
| Return on assets (ROA) | 0.0177% | 6,159 |
| Pretax return on assets | 0.0177% | 6,126 |
| Return on Equity (ROE) | 0.2497% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.2497% | 5,656 |
| Net charge-offs to loans | 1.3321% | 1,423 |
| Credit loss provision to net charge-offs | 51.4706% | 5,386 |
| Earnings coverage of net charge-offs (x) | 0.5515% | 5,185 |
| Efficiency ratio | 86.2385% | 1,682 |
| Assets per employee ($millions) | 4.9760% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,500 |
| Loan loss allowance to noncurrent loans | 35.0719% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 1.6524% | 3,952 |
| Noncurrent loans to loans | 2.7828% | 2,875 |
| Net loans and leases to total assets | 44.1787% | 6,906 |
| Net loans and leases to deposits | 47.8615% | 7,168 |
| Net loans and leases to core deposits | 49.3515% | 7,239 |
| Total domestic deposits to total assets | 92.3053% | 174 |
| Equity capital to assets | 7.2571% | 7,245 |
| Core capital (leverage) ratio | 6.9756% | 7,208 |
| Tier 1 risk-based capital ratio | 12.8431% | 4,569 |
| Total risk-based capital ratio | 13.6371% | 4,939 |
| Memoranda: | ||
| Average total assets | $45,320,000 | 6,820 |
| Average earning assets | $40,019,000 | 6,842 |
| Average equity | $3,204,000 | 7,356 |
| Average total loans | $20,418,330 | 7,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 7,395 |
| Cost of funding earning assets | 1.8296% | 1,754 |
| Net interest margin | 2.2463% | 7,627 |
| Noninterest income to average assets | 0.2457% | 6,189 |
| Noninterest expense to average assets | 2.0970% | 6,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0877% | 6,058 |
| Return on assets (ROA) | 0.0877% | 6,156 |
| Pretax return on assets | 0.0877% | 6,166 |
| Return on Equity (ROE) | 1.2575% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.2575% | 5,314 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9839% | 1,025 |
| Assets per employee ($millions) | 5.1178% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,871 |
| Loan loss allowance to noncurrent loans | 44.0135% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4503% | 4,331 |
| Noncurrent loans to loans | 2.9793% | 2,693 |
| Net loans and leases to total assets | 42.6465% | 7,083 |
| Net loans and leases to deposits | 46.1363% | 7,329 |
| Net loans and leases to core deposits | 47.2972% | 7,386 |
| Total domestic deposits to total assets | 92.4360% | 173 |
| Equity capital to assets | 7.0278% | 7,355 |
| Core capital (leverage) ratio | 7.0364% | 7,227 |
| Tier 1 risk-based capital ratio | 11.7902% | 5,405 |
| Total risk-based capital ratio | 12.7589% | 5,641 |
| Memoranda: | ||
| Average total assets | $45,588,000 | 6,891 |
| Average earning assets | $39,353,500 | 6,953 |
| Average equity | $3,181,000 | 7,444 |
| Average total loans | $20,637,500 | 7,116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 5,989 |
| Cost of funding earning assets | 2.1949% | 2,060 |
| Net interest margin | 2.9284% | 6,803 |
| Noninterest income to average assets | 0.3201% | 5,797 |
| Noninterest expense to average assets | 2.4277% | 6,381 |
| Loan and lease loss provision to assets | 0.6377% | 3,252 |
| Net operating income to assets | -0.0714% | 5,631 |
| Return on assets (ROA) | -0.0936% | 5,675 |
| Pretax return on assets | -0.0936% | 5,590 |
| Return on Equity (ROE) | -1.1859% | 5,716 |
| Retained earnings to average equity (ytd only) | -1.1859% | 5,306 |
| Net charge-offs to loans | 0.7826% | 2,867 |
| Credit loss provision to net charge-offs | 170.3947% | 2,504 |
| Earnings coverage of net charge-offs (x) | 1.5132% | 4,614 |
| Efficiency ratio | 81.0855% | 2,737 |
| Assets per employee ($millions) | 5.6395% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,233 |
| Loan loss allowance to noncurrent loans | 52.3046% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 4,543 |
| Noncurrent loans to loans | 2.3349% | 3,253 |
| Net loans and leases to total assets | 46.7905% | 6,911 |
| Net loans and leases to deposits | 50.5823% | 7,226 |
| Net loans and leases to core deposits | 62.6242% | 7,166 |
| Total domestic deposits to total assets | 92.5038% | 178 |
| Equity capital to assets | 6.9266% | 7,404 |
| Core capital (leverage) ratio | 7.4264% | 6,857 |
| Tier 1 risk-based capital ratio | 11.4147% | 5,488 |
| Total risk-based capital ratio | 12.3554% | 5,774 |
| Memoranda: | ||
| Average total assets | $40,614,600 | 7,069 |
| Average earning assets | $37,085,200 | 7,052 |
| Average equity | $3,204,400 | 7,531 |
| Average total loans | $19,423,000 | 7,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 6,707 |
| Cost of funding earning assets | 2.2743% | 2,094 |
| Net interest margin | 2.6930% | 7,221 |
| Noninterest income to average assets | 0.3207% | 5,913 |
| Noninterest expense to average assets | 2.2284% | 6,898 |
| Loan and lease loss provision to assets | 0.1925% | 5,454 |
| Net operating income to assets | 0.3969% | 4,411 |
| Return on assets (ROA) | 0.3680% | 4,624 |
| Pretax return on assets | 0.3883% | 4,826 |
| Return on Equity (ROE) | 4.5074% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.5074% | 2,753 |
| Net charge-offs to loans | 0.1620% | 5,094 |
| Credit loss provision to net charge-offs | 247.8261% | 1,743 |
| Earnings coverage of net charge-offs (x) | 7.8686% | 2,336 |
| Efficiency ratio | 78.4780% | 3,086 |
| Assets per employee ($millions) | 5.0520% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,564 |
| Loan loss allowance to noncurrent loans | 156.6667% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 6,258 |
| Noncurrent loans to loans | 0.6046% | 6,097 |
| Net loans and leases to total assets | 48.6441% | 6,897 |
| Net loans and leases to deposits | 53.3456% | 7,243 |
| Net loans and leases to core deposits | 65.6603% | 7,172 |
| Total domestic deposits to total assets | 91.1867% | 350 |
| Equity capital to assets | 8.3754% | 6,412 |
| Core capital (leverage) ratio | 8.2855% | 5,861 |
| Tier 1 risk-based capital ratio | 13.0416% | 4,161 |
| Total risk-based capital ratio | 13.7794% | 4,470 |
| Memoranda: | ||
| Average total assets | $39,489,250 | 7,176 |
| Average earning assets | $36,934,250 | 7,115 |
| Average equity | $3,224,250 | 7,591 |
| Average total loans | $18,936,000 | 7,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 6,859 |
| Cost of funding earning assets | 2.4019% | 1,963 |
| Net interest margin | 2.5715% | 7,390 |
| Noninterest income to average assets | 0.3216% | 5,936 |
| Noninterest expense to average assets | 2.2052% | 7,040 |
| Loan and lease loss provision to assets | 0.2910% | 4,248 |
| Net operating income to assets | 0.2246% | 5,177 |
| Return on assets (ROA) | 0.1787% | 5,425 |
| Pretax return on assets | 0.1787% | 5,516 |
| Return on Equity (ROE) | 2.2077% | 5,215 |
| Retained earnings to average equity (ytd only) | 2.2077% | 4,113 |
| Net charge-offs to loans | 0.2469% | 3,964 |
| Credit loss provision to net charge-offs | 247.8261% | 1,879 |
| Earnings coverage of net charge-offs (x) | 4.3913% | 3,108 |
| Efficiency ratio | 81.0507% | 2,876 |
| Assets per employee ($millions) | 4.9269% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 6,407 |
| Loan loss allowance to noncurrent loans | 85.8447% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 5,540 |
| Noncurrent loans to loans | 1.1380% | 4,940 |
| Net loans and leases to total assets | 48.3496% | 7,009 |
| Net loans and leases to deposits | 52.8275% | 7,337 |
| Net loans and leases to core deposits | 61.5159% | 7,394 |
| Total domestic deposits to total assets | 91.5235% | 318 |
| Equity capital to assets | 8.0223% | 6,726 |
| Core capital (leverage) ratio | 8.2220% | 5,945 |
| Tier 1 risk-based capital ratio | 13.2095% | 3,994 |
| Total risk-based capital ratio | 13.9738% | 4,255 |
| Memoranda: | ||
| Average total assets | $39,180,330 | 7,251 |
| Average earning assets | $36,555,000 | 7,196 |
| Average equity | $3,170,670 | 7,675 |
| Average total loans | $18,632,000 | 7,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 6,737 |
| Cost of funding earning assets | 2.6026% | 1,559 |
| Net interest margin | 2.4685% | 7,535 |
| Noninterest income to average assets | 0.2765% | 6,213 |
| Noninterest expense to average assets | 2.2937% | 6,564 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2355% | 5,546 |
| Return on assets (ROA) | 0.2355% | 5,708 |
| Pretax return on assets | 0.2458% | 5,835 |
| Return on Equity (ROE) | 2.8976% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.8976% | 4,257 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3226% | 1,700 |
| Assets per employee ($millions) | 4.8871% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 7,046 |
| Loan loss allowance to noncurrent loans | 162.1053% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 6,199 |
| Noncurrent loans to loans | 0.5116% | 6,147 |
| Net loans and leases to total assets | 47.1008% | 7,094 |
| Net loans and leases to deposits | 51.5581% | 7,432 |
| Net loans and leases to core deposits | 58.3159% | 7,521 |
| Total domestic deposits to total assets | 91.3548% | 312 |
| Equity capital to assets | 8.1004% | 6,675 |
| Core capital (leverage) ratio | 8.2784% | 5,945 |
| Tier 1 risk-based capital ratio | 13.8093% | 3,692 |
| Total risk-based capital ratio | 14.4661% | 3,963 |
| Memoranda: | ||
| Average total assets | $39,063,000 | 7,293 |
| Average earning assets | $35,811,000 | 7,269 |
| Average equity | $3,175,000 | 7,727 |
| Average total loans | $18,325,500 | 7,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7001% | 6,779 |
| Cost of funding earning assets | 3.4062% | 703 |
| Net interest margin | 2.2939% | 7,912 |
| Noninterest income to average assets | 0.3207% | 6,164 |
| Noninterest expense to average assets | 2.2321% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1553% | 5,972 |
| Return on assets (ROA) | -0.0727% | 6,320 |
| Pretax return on assets | -0.0676% | 6,232 |
| Return on Equity (ROE) | -0.8869% | 6,350 |
| Retained earnings to average equity (ytd only) | -0.8869% | 5,566 |
| Net charge-offs to loans | 0.2477% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 5,386 |
| Efficiency ratio | 93.2984% | 1,310 |
| Assets per employee ($millions) | 5.5756% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,895 |
| Loan loss allowance to noncurrent loans | 131.6239% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 5,727 |
| Noncurrent loans to loans | 0.6471% | 5,426 |
| Net loans and leases to total assets | 45.9351% | 7,336 |
| Net loans and leases to deposits | 50.2283% | 7,622 |
| Net loans and leases to core deposits | 57.6037% | 7,684 |
| Total domestic deposits to total assets | 91.4525% | 213 |
| Equity capital to assets | 8.1555% | 6,625 |
| Core capital (leverage) ratio | 8.1038% | 6,318 |
| Tier 1 risk-based capital ratio | 14.0872% | 3,505 |
| Total risk-based capital ratio | 14.7643% | 3,709 |
| Memoranda: | ||
| Average total assets | $39,917,400 | 7,216 |
| Average earning assets | $36,051,800 | 7,236 |
| Average equity | $3,269,800 | 7,758 |
| Average total loans | $17,760,400 | 7,476 |