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 | 5.6492% | 987 |
| Cost of funding earning assets | 2.3909% | 472 |
| Net interest margin | 3.2583% | 2,737 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.3427% | 4,419 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.6360% | 818 |
| Return on assets (ROA) | 1.6360% | 786 |
| Pretax return on assets | 1.7118% | 1,046 |
| Return on Equity (ROE) | 15.7800% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.5295% | 1,129 |
| Net charge-offs to loans | 0.0016% | 2,767 |
| Credit loss provision to net charge-offs | 13,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,299.6000% | 120 |
| Efficiency ratio | 41.3802% | 4,331 |
| Assets per employee ($millions) | 12.7516% | 344 |
| Cash dividends to net income (ytd only)* | 39.5956% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,292 |
| Loan loss allowance to noncurrent loans | 683.6000% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 2,660 |
| Noncurrent loans to loans | 0.1466% | 2,780 |
| Net loans and leases to total assets | 88.2600% | 77 |
| Net loans and leases to deposits | 112.4372% | 157 |
| Net loans and leases to core deposits | 116.7026% | 726 |
| Total domestic deposits to total assets | 78.5000% | 3,670 |
| Equity capital to assets | 9.7167% | 2,188 |
| Core capital (leverage) ratio | 10.4496% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $341,622,000 | 2,227 |
| Average earning assets | $326,984,400 | 2,188 |
| Average equity | $35,427,000 | 2,042 |
| Average total loans | $310,132,400 | 1,754 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 982 |
| Cost of funding earning assets | 2.2570% | 450 |
| Net interest margin | 3.2649% | 2,766 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.3454% | 4,428 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.7216% | 767 |
| Return on assets (ROA) | 1.7216% | 757 |
| Pretax return on assets | 1.8065% | 1,004 |
| Return on Equity (ROE) | 16.3000% | 1,201 |
| Retained earnings to average equity (ytd only) | 10.3338% | 1,314 |
| Net charge-offs to loans | -0.0018% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.3657% | 4,319 |
| Assets per employee ($millions) | 11.6310% | 419 |
| Cash dividends to net income (ytd only)* | 36.6207% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,575 |
| Loan loss allowance to noncurrent loans | 386.0969% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 2,138 |
| Noncurrent loans to loans | 0.2450% | 2,370 |
| Net loans and leases to total assets | 90.8400% | 28 |
| Net loans and leases to deposits | 115.9406% | 110 |
| Net loans and leases to core deposits | 119.9431% | 551 |
| Total domestic deposits to total assets | 78.3500% | 3,774 |
| Equity capital to assets | 10.4273% | 1,590 |
| Core capital (leverage) ratio | 10.9740% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $331,390,750 | 2,261 |
| Average earning assets | $317,878,250 | 2,216 |
| Average equity | $34,991,000 | 2,050 |
| Average total loans | $302,403,250 | 1,785 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 984 |
| Cost of funding earning assets | 2.0911% | 417 |
| Net interest margin | 3.2841% | 2,785 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.4032% | 4,415 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6969% | 787 |
| Return on assets (ROA) | 1.6969% | 788 |
| Pretax return on assets | 1.7743% | 1,061 |
| Return on Equity (ROE) | 16.0000% | 1,265 |
| Retained earnings to average equity (ytd only) | 10.1255% | 1,369 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.9162% | 4,303 |
| Assets per employee ($millions) | 10.7475% | 540 |
| Cash dividends to net income (ytd only)* | 36.7125% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,559 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 90.2400% | 34 |
| Net loans and leases to deposits | 114.4223% | 144 |
| Net loans and leases to core deposits | 118.5605% | 551 |
| Total domestic deposits to total assets | 78.8600% | 3,739 |
| Equity capital to assets | 10.6239% | 1,539 |
| Core capital (leverage) ratio | 11.0469% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $325,544,333 | 2,300 |
| Average earning assets | $311,803,667 | 2,249 |
| Average equity | $34,526,667 | 2,073 |
| Average total loans | $296,538,667 | 1,794 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 1,017 |
| Cost of funding earning assets | 1.8425% | 419 |
| Net interest margin | 3.3091% | 2,857 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.3887% | 4,476 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.7655% | 719 |
| Return on assets (ROA) | 1.7655% | 714 |
| Pretax return on assets | 1.8264% | 1,024 |
| Return on Equity (ROE) | 16.6600% | 1,233 |
| Retained earnings to average equity (ytd only) | 11.2519% | 1,413 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.9767% | 4,389 |
| Assets per employee ($millions) | 10.2976% | 632 |
| Cash dividends to net income (ytd only)* | 32.4648% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,707 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.8400% | 35 |
| Net loans and leases to deposits | 115.6374% | 118 |
| Net loans and leases to core deposits | 119.8383% | 441 |
| Total domestic deposits to total assets | 77.6900% | 4,031 |
| Equity capital to assets | 10.5031% | 1,558 |
| Core capital (leverage) ratio | 11.1292% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $321,730,500 | 2,354 |
| Average earning assets | $308,487,000 | 2,294 |
| Average equity | $34,092,000 | 2,113 |
| Average total loans | $293,023,000 | 1,820 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 676 |
| Cost of funding earning assets | 0.7053% | 571 |
| Net interest margin | 3.8335% | 1,095 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.6370% | 4,267 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.2556% | 196 |
| Return on assets (ROA) | 2.2556% | 187 |
| Pretax return on assets | 2.3676% | 248 |
| Return on Equity (ROE) | 21.1500% | 384 |
| Retained earnings to average equity (ytd only) | 10.0114% | 1,145 |
| Net charge-offs to loans | 0.0045% | 2,279 |
| Credit loss provision to net charge-offs | 666.6667% | 555 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 290 |
| Efficiency ratio | 40.6096% | 4,527 |
| Assets per employee ($millions) | 9.5133% | 778 |
| Cash dividends to net income (ytd only)* | 52.6578% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,535 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 90.5900% | 27 |
| Net loans and leases to deposits | 106.7513% | 229 |
| Net loans and leases to core deposits | 110.1419% | 608 |
| Total domestic deposits to total assets | 84.8600% | 3,034 |
| Equity capital to assets | 10.6945% | 1,376 |
| Core capital (leverage) ratio | 10.7752% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $302,757,200 | 2,435 |
| Average earning assets | $290,932,800 | 2,380 |
| Average equity | $32,293,200 | 2,232 |
| Average total loans | $265,333,000 | 1,873 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 530 |
| Cost of funding earning assets | 0.5292% | 644 |
| Net interest margin | 3.9277% | 749 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.6553% | 4,234 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 2.3242% | 185 |
| Return on assets (ROA) | 2.3242% | 181 |
| Pretax return on assets | 2.4331% | 231 |
| Return on Equity (ROE) | 21.8100% | 302 |
| Retained earnings to average equity (ytd only) | 11.4260% | 936 |
| Net charge-offs to loans | 0.0154% | 1,555 |
| Credit loss provision to net charge-offs | 50.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 182.9667% | 653 |
| Efficiency ratio | 40.4211% | 4,562 |
| Assets per employee ($millions) | 9.1582% | 841 |
| Cash dividends to net income (ytd only)* | 47.5999% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,509 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.5700% | 47 |
| Net loans and leases to deposits | 99.8426% | 365 |
| Net loans and leases to core deposits | 104.2633% | 643 |
| Total domestic deposits to total assets | 88.7100% | 2,209 |
| Equity capital to assets | 10.9406% | 1,202 |
| Core capital (leverage) ratio | 10.8740% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $299,962,000 | 2,472 |
| Average earning assets | $288,202,750 | 2,410 |
| Average equity | $31,973,000 | 2,273 |
| Average total loans | $259,875,000 | 1,895 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 457 |
| Cost of funding earning assets | 0.4886% | 549 |
| Net interest margin | 3.8862% | 625 |
| Noninterest income to average assets | 0.3864% | 2,836 |
| Noninterest expense to average assets | 1.7640% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2606% | 144 |
| Return on assets (ROA) | 2.2606% | 144 |
| Pretax return on assets | 2.3602% | 201 |
| Return on Equity (ROE) | 21.3990% | 223 |
| Retained earnings to average equity (ytd only) | 11.4841% | 702 |
| Net charge-offs to loans | 0.0094% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 294.2500% | 412 |
| Efficiency ratio | 42.7715% | 4,547 |
| Assets per employee ($millions) | 9.3993% | 778 |
| Cash dividends to net income (ytd only)* | 46.3335% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,369 |
| Loan loss allowance to noncurrent loans | 725.8760% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,872 |
| Noncurrent loans to loans | 0.1447% | 2,976 |
| Net loans and leases to total assets | 81.7659% | 297 |
| Net loans and leases to deposits | 91.5642% | 630 |
| Net loans and leases to core deposits | 94.9436% | 870 |
| Total domestic deposits to total assets | 89.2990% | 2,048 |
| Equity capital to assets | 10.4083% | 1,477 |
| Core capital (leverage) ratio | 10.8565% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,208,667 | 2,487 |
| Average earning assets | $287,785,667 | 2,444 |
| Average equity | $31,609,000 | 2,339 |
| Average total loans | $256,379,667 | 1,912 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 318 |
| Cost of funding earning assets | 0.5351% | 404 |
| Net interest margin | 3.9520% | 449 |
| Noninterest income to average assets | 0.5842% | 1,761 |
| Noninterest expense to average assets | 1.5824% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.7427% | 95 |
| Return on assets (ROA) | 2.7427% | 92 |
| Pretax return on assets | 2.8040% | 121 |
| Return on Equity (ROE) | 25.7615% | 88 |
| Retained earnings to average equity (ytd only) | 17.4984% | 156 |
| Net charge-offs to loans | -0.0016% | 3,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0758% | 4,700 |
| Assets per employee ($millions) | 9.9521% | 689 |
| Cash dividends to net income (ytd only)* | 32.0755% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 82.1695% | 156 |
| Net loans and leases to deposits | 94.5848% | 333 |
| Net loans and leases to core deposits | 98.5349% | 560 |
| Total domestic deposits to total assets | 86.8740% | 2,973 |
| Equity capital to assets | 10.0262% | 1,871 |
| Core capital (leverage) ratio | 9.8349% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,724,500 | 2,526 |
| Average earning assets | $282,589,500 | 2,490 |
| Average equity | $31,271,500 | 2,420 |
| Average total loans | $256,413,500 | 1,906 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 753 |
| Cost of funding earning assets | 0.6785% | 353 |
| Net interest margin | 3.6931% | 1,231 |
| Noninterest income to average assets | 0.6495% | 1,943 |
| Noninterest expense to average assets | 1.4220% | 4,609 |
| Loan and lease loss provision to assets | 0.0372% | 2,299 |
| Net operating income to assets | 2.6057% | 142 |
| Return on assets (ROA) | 2.6057% | 146 |
| Pretax return on assets | 2.7373% | 190 |
| Return on Equity (ROE) | 24.4383% | 132 |
| Retained earnings to average equity (ytd only) | 12.6291% | 451 |
| Net charge-offs to loans | 0.0004% | 2,689 |
| Credit loss provision to net charge-offs | 10,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 7,459.0000% | 10 |
| Efficiency ratio | 33.8858% | 4,769 |
| Assets per employee ($millions) | 9.2753% | 844 |
| Cash dividends to net income (ytd only)* | 48.3226% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,401 |
| Loan loss allowance to noncurrent loans | 105.3759% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 599 |
| Noncurrent loans to loans | 1.0333% | 951 |
| Net loans and leases to total assets | 91.3567% | 12 |
| Net loans and leases to deposits | 116.1462% | 50 |
| Net loans and leases to core deposits | 122.1281% | 150 |
| Total domestic deposits to total assets | 78.6566% | 4,341 |
| Equity capital to assets | 11.3810% | 1,566 |
| Core capital (leverage) ratio | 11.2324% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,838,000 | 2,608 |
| Average earning assets | $258,210,800 | 2,561 |
| Average equity | $28,664,000 | 2,614 |
| Average total loans | $242,182,000 | 1,981 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 882 |
| Cost of funding earning assets | 0.7147% | 350 |
| Net interest margin | 3.6359% | 1,503 |
| Noninterest income to average assets | 0.7723% | 1,610 |
| Noninterest expense to average assets | 1.3933% | 4,694 |
| Loan and lease loss provision to assets | 0.0495% | 2,007 |
| Net operating income to assets | 2.6919% | 174 |
| Return on assets (ROA) | 2.6919% | 176 |
| Pretax return on assets | 2.8194% | 222 |
| Return on Equity (ROE) | 25.6801% | 159 |
| Retained earnings to average equity (ytd only) | 13.5853% | 561 |
| Net charge-offs to loans | 0.1086% | 702 |
| Credit loss provision to net charge-offs | 51.0204% | 1,853 |
| Earnings coverage of net charge-offs (x) | 29.5102% | 1,535 |
| Efficiency ratio | 32.6894% | 4,846 |
| Assets per employee ($millions) | 10.0261% | 634 |
| Cash dividends to net income (ytd only)* | 47.0978% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,691 |
| Loan loss allowance to noncurrent loans | 100.3197% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 733 |
| Noncurrent loans to loans | 1.0414% | 1,088 |
| Net loans and leases to total assets | 87.8204% | 39 |
| Net loans and leases to deposits | 115.4631% | 59 |
| Net loans and leases to core deposits | 121.7412% | 172 |
| Total domestic deposits to total assets | 76.0593% | 4,537 |
| Equity capital to assets | 11.0348% | 1,991 |
| Core capital (leverage) ratio | 11.0192% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,801,750 | 2,630 |
| Average earning assets | $258,016,000 | 2,582 |
| Average equity | $28,176,750 | 2,670 |
| Average total loans | $240,617,750 | 2,022 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 994 |
| Cost of funding earning assets | 0.7454% | 371 |
| Net interest margin | 3.5641% | 1,672 |
| Noninterest income to average assets | 0.5004% | 2,623 |
| Noninterest expense to average assets | 1.4170% | 4,703 |
| Loan and lease loss provision to assets | 0.0597% | 1,836 |
| Net operating income to assets | 2.3627% | 263 |
| Return on assets (ROA) | 2.3627% | 280 |
| Pretax return on assets | 2.4507% | 385 |
| Return on Equity (ROE) | 22.9468% | 266 |
| Retained earnings to average equity (ytd only) | 10.1551% | 1,354 |
| Net charge-offs to loans | 0.1645% | 508 |
| Credit loss provision to net charge-offs | 40.4040% | 1,656 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,588 |
| Efficiency ratio | 36.0805% | 4,837 |
| Assets per employee ($millions) | 10.1941% | 575 |
| Cash dividends to net income (ytd only)* | 55.7449% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,732 |
| Loan loss allowance to noncurrent loans | 98.5347% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 839 |
| Noncurrent loans to loans | 1.0431% | 1,177 |
| Net loans and leases to total assets | 87.0463% | 57 |
| Net loans and leases to deposits | 115.7100% | 71 |
| Net loans and leases to core deposits | 123.8411% | 178 |
| Total domestic deposits to total assets | 75.2280% | 4,603 |
| Equity capital to assets | 10.3215% | 2,561 |
| Core capital (leverage) ratio | 10.4278% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,167,000 | 2,627 |
| Average earning assets | $257,849,667 | 2,572 |
| Average equity | $27,611,667 | 2,697 |
| Average total loans | $240,742,000 | 2,025 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 1,087 |
| Cost of funding earning assets | 0.7941% | 365 |
| Net interest margin | 3.4784% | 1,890 |
| Noninterest income to average assets | 0.1028% | 4,672 |
| Noninterest expense to average assets | 1.5010% | 4,648 |
| Loan and lease loss provision to assets | 0.0302% | 2,385 |
| Net operating income to assets | 1.8516% | 717 |
| Return on assets (ROA) | 1.8516% | 773 |
| Pretax return on assets | 1.9151% | 1,093 |
| Return on Equity (ROE) | 18.0061% | 726 |
| Retained earnings to average equity (ytd only) | 5.8207% | 2,953 |
| Net charge-offs to loans | 0.3216% | 264 |
| Credit loss provision to net charge-offs | 10.3627% | 1,448 |
| Earnings coverage of net charge-offs (x) | 6.6684% | 1,640 |
| Efficiency ratio | 43.5526% | 4,604 |
| Assets per employee ($millions) | 9.8903% | 618 |
| Cash dividends to net income (ytd only)* | 67.6735% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,877 |
| Loan loss allowance to noncurrent loans | 105.6907% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 1,024 |
| Noncurrent loans to loans | 0.9375% | 1,441 |
| Net loans and leases to total assets | 91.0395% | 19 |
| Net loans and leases to deposits | 127.8791% | 44 |
| Net loans and leases to core deposits | 133.8997% | 121 |
| Total domestic deposits to total assets | 71.1918% | 4,737 |
| Equity capital to assets | 10.2644% | 2,466 |
| Core capital (leverage) ratio | 10.3314% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,629,500 | 2,631 |
| Average earning assets | $254,366,500 | 2,579 |
| Average equity | $27,213,000 | 2,716 |
| Average total loans | $240,075,000 | 2,032 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 446 |
| Cost of funding earning assets | 1.1194% | 370 |
| Net interest margin | 3.9264% | 1,144 |
| Noninterest income to average assets | 0.1534% | 4,528 |
| Noninterest expense to average assets | 1.4803% | 4,794 |
| Loan and lease loss provision to assets | 0.0683% | 3,524 |
| Net operating income to assets | 2.2507% | 176 |
| Return on assets (ROA) | 2.2507% | 188 |
| Pretax return on assets | 2.3628% | 232 |
| Return on Equity (ROE) | 21.8553% | 162 |
| Retained earnings to average equity (ytd only) | 10.8984% | 444 |
| Net charge-offs to loans | -0.0199% | 4,425 |
| Credit loss provision to net charge-offs | -377.7778% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8453% | 4,917 |
| Assets per employee ($millions) | 9.3650% | 659 |
| Cash dividends to net income (ytd only)* | 50.1339% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 88.4753% | 41 |
| Net loans and leases to deposits | 124.1465% | 56 |
| Net loans and leases to core deposits | 129.7140% | 204 |
| Total domestic deposits to total assets | 71.2669% | 4,743 |
| Equity capital to assets | 10.3028% | 2,833 |
| Core capital (leverage) ratio | 10.1432% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,944,200 | 2,587 |
| Average earning assets | $238,261,200 | 2,537 |
| Average equity | $25,636,800 | 2,760 |
| Average total loans | $226,565,600 | 2,059 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 459 |
| Cost of funding earning assets | 1.1872% | 389 |
| Net interest margin | 3.9570% | 1,217 |
| Noninterest income to average assets | 0.1466% | 4,572 |
| Noninterest expense to average assets | 1.4890% | 4,810 |
| Loan and lease loss provision to assets | 0.0924% | 3,158 |
| Net operating income to assets | 2.2245% | 197 |
| Return on assets (ROA) | 2.2245% | 212 |
| Pretax return on assets | 2.3504% | 258 |
| Return on Equity (ROE) | 21.6031% | 185 |
| Retained earnings to average equity (ytd only) | 11.6925% | 473 |
| Net charge-offs to loans | -0.0255% | 4,480 |
| Credit loss provision to net charge-offs | -395.3488% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8710% | 4,934 |
| Assets per employee ($millions) | 10.3526% | 449 |
| Cash dividends to net income (ytd only)* | 45.8760% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 91.2250% | 23 |
| Net loans and leases to deposits | 130.5724% | 56 |
| Net loans and leases to core deposits | 138.7123% | 173 |
| Total domestic deposits to total assets | 69.8655% | 4,761 |
| Equity capital to assets | 10.2161% | 3,050 |
| Core capital (leverage) ratio | 10.0526% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,625,250 | 2,594 |
| Average earning assets | $234,954,250 | 2,542 |
| Average equity | $25,292,000 | 2,772 |
| Average total loans | $224,555,500 | 2,072 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 554 |
| Cost of funding earning assets | 1.2538% | 429 |
| Net interest margin | 3.9598% | 1,422 |
| Noninterest income to average assets | 0.1675% | 4,452 |
| Noninterest expense to average assets | 1.5537% | 4,814 |
| Loan and lease loss provision to assets | 0.0497% | 3,680 |
| Net operating income to assets | 2.2427% | 211 |
| Return on assets (ROA) | 2.2427% | 230 |
| Pretax return on assets | 2.3505% | 281 |
| Return on Equity (ROE) | 21.7191% | 176 |
| Retained earnings to average equity (ytd only) | 12.5979% | 394 |
| Net charge-offs to loans | -0.0391% | 4,618 |
| Credit loss provision to net charge-offs | -139.5349% | 3,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2954% | 4,929 |
| Assets per employee ($millions) | 9.4196% | 601 |
| Cash dividends to net income (ytd only)* | 41.9963% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,366 |
| Loan loss allowance to noncurrent loans | 5,938.0952% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,478 |
| Noncurrent loans to loans | 0.0175% | 4,433 |
| Net loans and leases to total assets | 90.0094% | 30 |
| Net loans and leases to deposits | 127.3868% | 58 |
| Net loans and leases to core deposits | 141.5924% | 153 |
| Total domestic deposits to total assets | 70.6584% | 4,766 |
| Equity capital to assets | 9.7771% | 3,396 |
| Core capital (leverage) ratio | 10.3765% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,228,333 | 2,596 |
| Average earning assets | $230,667,333 | 2,550 |
| Average equity | $24,909,000 | 2,783 |
| Average total loans | $219,837,667 | 2,082 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 548 |
| Cost of funding earning assets | 1.3915% | 409 |
| Net interest margin | 3.9137% | 1,627 |
| Noninterest income to average assets | 0.1026% | 4,817 |
| Noninterest expense to average assets | 1.6559% | 4,817 |
| Loan and lease loss provision to assets | 0.0174% | 3,577 |
| Net operating income to assets | 2.0872% | 229 |
| Return on assets (ROA) | 2.0872% | 251 |
| Pretax return on assets | 2.1620% | 323 |
| Return on Equity (ROE) | 19.6159% | 180 |
| Retained earnings to average equity (ytd only) | 9.0396% | 964 |
| Net charge-offs to loans | -0.0820% | 4,776 |
| Credit loss provision to net charge-offs | -23.2558% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1746% | 4,907 |
| Assets per employee ($millions) | 9.2747% | 484 |
| Cash dividends to net income (ytd only)* | 53.9167% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,957 |
| Loan loss allowance to noncurrent loans | 2,656.5217% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,416 |
| Noncurrent loans to loans | 0.0431% | 4,379 |
| Net loans and leases to total assets | 90.9224% | 20 |
| Net loans and leases to deposits | 133.1256% | 30 |
| Net loans and leases to core deposits | 151.2039% | 112 |
| Total domestic deposits to total assets | 68.2982% | 4,914 |
| Equity capital to assets | 10.6695% | 3,177 |
| Core capital (leverage) ratio | 10.7941% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,968,500 | 2,625 |
| Average earning assets | $219,333,000 | 2,578 |
| Average equity | $24,470,000 | 2,812 |
| Average total loans | $209,810,500 | 2,120 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 480 |
| Cost of funding earning assets | 1.5568% | 339 |
| Net interest margin | 4.0369% | 1,725 |
| Noninterest income to average assets | 0.1316% | 4,813 |
| Noninterest expense to average assets | 1.6345% | 4,925 |
| Loan and lease loss provision to assets | 0.0940% | 2,155 |
| Net operating income to assets | 2.1229% | 260 |
| Return on assets (ROA) | 2.1229% | 272 |
| Pretax return on assets | 2.2317% | 364 |
| Return on Equity (ROE) | 20.5497% | 186 |
| Retained earnings to average equity (ytd only) | 11.3236% | 293 |
| Net charge-offs to loans | 0.0315% | 2,760 |
| Credit loss provision to net charge-offs | 328.1250% | 848 |
| Earnings coverage of net charge-offs (x) | 81.1719% | 780 |
| Efficiency ratio | 41.2729% | 5,040 |
| Assets per employee ($millions) | 9.1228% | 481 |
| Cash dividends to net income (ytd only)* | 44.8967% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,650 |
| Loan loss allowance to noncurrent loans | 2,598.9130% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,436 |
| Noncurrent loans to loans | 0.0446% | 4,382 |
| Net loans and leases to total assets | 89.4318% | 53 |
| Net loans and leases to deposits | 126.4449% | 55 |
| Net loans and leases to core deposits | 146.0245% | 142 |
| Total domestic deposits to total assets | 70.7278% | 4,906 |
| Equity capital to assets | 10.6112% | 3,338 |
| Core capital (leverage) ratio | 10.6438% | 2,817 |
| Tier 1 risk-based capital ratio | 11.9280% | 4,403 |
| Total risk-based capital ratio | 13.1084% | 4,314 |
| Memoranda: | ||
| Average total assets | $223,368,800 | 2,633 |
| Average earning assets | $211,843,600 | 2,586 |
| Average equity | $23,075,800 | 2,866 |
| Average total loans | $202,877,800 | 2,149 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 495 |
| Cost of funding earning assets | 1.5753% | 326 |
| Net interest margin | 4.0222% | 1,860 |
| Noninterest income to average assets | 0.1380% | 4,843 |
| Noninterest expense to average assets | 1.7024% | 4,920 |
| Loan and lease loss provision to assets | 0.1260% | 1,543 |
| Net operating income to assets | 2.0060% | 391 |
| Return on assets (ROA) | 2.0060% | 407 |
| Pretax return on assets | 2.1230% | 520 |
| Return on Equity (ROE) | 19.5539% | 275 |
| Retained earnings to average equity (ytd only) | 11.4235% | 458 |
| Net charge-offs to loans | 0.0422% | 2,247 |
| Credit loss provision to net charge-offs | 328.1250% | 901 |
| Earnings coverage of net charge-offs (x) | 58.5633% | 1,066 |
| Efficiency ratio | 43.0828% | 5,046 |
| Assets per employee ($millions) | 8.9548% | 492 |
| Cash dividends to net income (ytd only)* | 41.5795% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,734 |
| Loan loss allowance to noncurrent loans | 2,134.8214% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 4,463 |
| Noncurrent loans to loans | 0.0542% | 4,395 |
| Net loans and leases to total assets | 91.2195% | 24 |
| Net loans and leases to deposits | 133.8154% | 35 |
| Net loans and leases to core deposits | 153.2728% | 111 |
| Total domestic deposits to total assets | 68.1681% | 5,056 |
| Equity capital to assets | 10.5164% | 3,531 |
| Core capital (leverage) ratio | 10.5880% | 3,019 |
| Tier 1 risk-based capital ratio | 11.2556% | 4,791 |
| Total risk-based capital ratio | 12.4007% | 4,729 |
| Memoranda: | ||
| Average total assets | $222,193,500 | 2,663 |
| Average earning assets | $210,661,000 | 2,626 |
| Average equity | $22,794,500 | 2,907 |
| Average total loans | $202,007,750 | 2,168 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5267% | 540 |
| Cost of funding earning assets | 1.5961% | 275 |
| Net interest margin | 3.9307% | 2,152 |
| Noninterest income to average assets | 0.1819% | 4,656 |
| Noninterest expense to average assets | 1.4143% | 5,153 |
| Loan and lease loss provision to assets | 0.1259% | 1,480 |
| Net operating income to assets | 2.2802% | 225 |
| Return on assets (ROA) | 2.2802% | 234 |
| Pretax return on assets | 2.3865% | 294 |
| Return on Equity (ROE) | 22.7009% | 146 |
| Retained earnings to average equity (ytd only) | 12.3671% | 365 |
| Net charge-offs to loans | 0.0309% | 2,238 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 89.8000% | 748 |
| Efficiency ratio | 36.0171% | 5,216 |
| Assets per employee ($millions) | 10.3009% | 312 |
| Cash dividends to net income (ytd only)* | 45.5215% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 89.6874% | 58 |
| Net loans and leases to deposits | 137.2293% | 27 |
| Net loans and leases to core deposits | 170.5320% | 69 |
| Total domestic deposits to total assets | 65.3559% | 5,156 |
| Equity capital to assets | 10.3001% | 3,697 |
| Core capital (leverage) ratio | 10.3466% | 3,247 |
| Tier 1 risk-based capital ratio | 11.1952% | 4,835 |
| Total risk-based capital ratio | 12.3270% | 4,791 |
| Memoranda: | ||
| Average total assets | $142,971,000 | 3,447 |
| Average earning assets | $136,211,000 | 3,389 |
| Average equity | $14,360,670 | 3,738 |
| Average total loans | $129,343,330 | 2,878 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 626 |
| Cost of funding earning assets | 1.5281% | 298 |
| Net interest margin | 3.8777% | 2,255 |
| Noninterest income to average assets | 0.1236% | 4,992 |
| Noninterest expense to average assets | 1.3656% | 5,237 |
| Loan and lease loss provision to assets | 0.1264% | 1,386 |
| Net operating income to assets | 2.2536% | 242 |
| Return on assets (ROA) | 2.2536% | 253 |
| Pretax return on assets | 2.3323% | 336 |
| Return on Equity (ROE) | 22.7292% | 155 |
| Retained earnings to average equity (ytd only) | 12.2148% | 575 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7090% | 5,274 |
| Assets per employee ($millions) | 10.3380% | 309 |
| Cash dividends to net income (ytd only)* | 46.2594% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,038 |
| Loan loss allowance to noncurrent loans | 147,200.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,900 |
| Noncurrent loans to loans | 0.0008% | 4,812 |
| Net loans and leases to total assets | 90.1211% | 49 |
| Net loans and leases to deposits | 130.0361% | 43 |
| Net loans and leases to core deposits | 170.1594% | 64 |
| Total domestic deposits to total assets | 69.3046% | 5,129 |
| Equity capital to assets | 9.9142% | 3,905 |
| Core capital (leverage) ratio | 10.2484% | 3,330 |
| Tier 1 risk-based capital ratio | 10.7673% | 5,082 |
| Total risk-based capital ratio | 11.8717% | 5,040 |
| Memoranda: | ||
| Average total assets | $142,350,500 | 3,500 |
| Average earning assets | $135,855,000 | 3,425 |
| Average equity | $14,114,000 | 3,783 |
| Average total loans | $128,596,500 | 2,919 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 589 |
| Cost of funding earning assets | 1.2074% | 329 |
| Net interest margin | 4.0844% | 1,734 |
| Noninterest income to average assets | 0.1713% | 4,873 |
| Noninterest expense to average assets | 1.3806% | 5,271 |
| Loan and lease loss provision to assets | 0.0796% | 2,536 |
| Net operating income to assets | 2.4809% | 155 |
| Return on assets (ROA) | 2.4809% | 154 |
| Pretax return on assets | 2.6021% | 169 |
| Return on Equity (ROE) | 24.9220% | 94 |
| Retained earnings to average equity (ytd only) | 12.4914% | 276 |
| Net charge-offs to loans | 0.0017% | 3,697 |
| Credit loss provision to net charge-offs | 5,250.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 1,769.5000% | 60 |
| Efficiency ratio | 33.9862% | 5,339 |
| Assets per employee ($millions) | 9.9978% | 339 |
| Cash dividends to net income (ytd only)* | 49.8778% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,879 |
| Loan loss allowance to noncurrent loans | 4,920.6897% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,774 |
| Noncurrent loans to loans | 0.0231% | 4,678 |
| Net loans and leases to total assets | 88.4910% | 95 |
| Net loans and leases to deposits | 124.9092% | 64 |
| Net loans and leases to core deposits | 154.9877% | 111 |
| Total domestic deposits to total assets | 70.8443% | 5,128 |
| Equity capital to assets | 9.9158% | 3,751 |
| Core capital (leverage) ratio | 10.1302% | 3,419 |
| Tier 1 risk-based capital ratio | 10.8832% | 5,027 |
| Total risk-based capital ratio | 12.0055% | 4,981 |
| Memoranda: | ||
| Average total assets | $131,970,000 | 3,626 |
| Average earning assets | $125,722,400 | 3,561 |
| Average equity | $13,137,000 | 3,863 |
| Average total loans | $120,328,600 | 2,990 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 596 |
| Cost of funding earning assets | 1.1795% | 284 |
| Net interest margin | 4.0475% | 1,800 |
| Noninterest income to average assets | 0.1744% | 4,912 |
| Noninterest expense to average assets | 1.3880% | 5,329 |
| Loan and lease loss provision to assets | 0.1077% | 1,859 |
| Net operating income to assets | 2.4190% | 180 |
| Return on assets (ROA) | 2.4190% | 180 |
| Pretax return on assets | 2.5369% | 211 |
| Return on Equity (ROE) | 24.2746% | 101 |
| Retained earnings to average equity (ytd only) | 13.8256% | 269 |
| Net charge-offs to loans | 0.0022% | 3,408 |
| Credit loss provision to net charge-offs | 5,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,287.3596% | 61 |
| Efficiency ratio | 34.4187% | 5,404 |
| Assets per employee ($millions) | 9.8751% | 349 |
| Cash dividends to net income (ytd only)* | 43.0450% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 87.6847% | 156 |
| Net loans and leases to deposits | 125.3957% | 71 |
| Net loans and leases to core deposits | 173.9614% | 59 |
| Total domestic deposits to total assets | 69.9264% | 5,211 |
| Equity capital to assets | 9.8422% | 3,787 |
| Core capital (leverage) ratio | 10.3960% | 3,190 |
| Tier 1 risk-based capital ratio | 10.9840% | 5,043 |
| Total risk-based capital ratio | 12.1359% | 4,994 |
| Memoranda: | ||
| Average total assets | $129,970,250 | 3,680 |
| Average earning assets | $123,893,500 | 3,622 |
| Average equity | $12,951,500 | 3,919 |
| Average total loans | $119,089,000 | 3,031 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 580 |
| Cost of funding earning assets | 0.9994% | 473 |
| Net interest margin | 4.1763% | 1,336 |
| Noninterest income to average assets | 0.1667% | 4,996 |
| Noninterest expense to average assets | 1.4103% | 5,386 |
| Loan and lease loss provision to assets | 0.1415% | 1,380 |
| Net operating income to assets | 2.4998% | 152 |
| Return on assets (ROA) | 2.4998% | 150 |
| Pretax return on assets | 2.6161% | 180 |
| Return on Equity (ROE) | 24.9745% | 84 |
| Retained earnings to average equity (ytd only) | 14.5763% | 232 |
| Net charge-offs to loans | 0.0119% | 2,732 |
| Credit loss provision to net charge-offs | 1,285.7143% | 328 |
| Earnings coverage of net charge-offs (x) | 250.5714% | 356 |
| Efficiency ratio | 33.8363% | 5,467 |
| Assets per employee ($millions) | 9.3936% | 391 |
| Cash dividends to net income (ytd only)* | 41.6352% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,889 |
| Loan loss allowance to noncurrent loans | 140,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,071 |
| Noncurrent loans to loans | 0.0008% | 4,978 |
| Net loans and leases to total assets | 90.4784% | 62 |
| Net loans and leases to deposits | 128.8011% | 50 |
| Net loans and leases to core deposits | 164.3426% | 69 |
| Total domestic deposits to total assets | 70.2466% | 5,267 |
| Equity capital to assets | 10.0288% | 3,593 |
| Core capital (leverage) ratio | 10.4339% | 3,096 |
| Tier 1 risk-based capital ratio | 10.9017% | 5,110 |
| Total risk-based capital ratio | 12.0647% | 5,038 |
| Memoranda: | ||
| Average total assets | $127,210,000 | 3,744 |
| Average earning assets | $121,879,000 | 3,671 |
| Average equity | $12,733,000 | 3,974 |
| Average total loans | $117,901,330 | 3,062 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1276% | 555 |
| Cost of funding earning assets | 0.8974% | 600 |
| Net interest margin | 4.2302% | 1,103 |
| Noninterest income to average assets | 0.1535% | 5,096 |
| Noninterest expense to average assets | 1.4617% | 5,423 |
| Loan and lease loss provision to assets | 0.1439% | 1,303 |
| Net operating income to assets | 2.5140% | 141 |
| Return on assets (ROA) | 2.5140% | 142 |
| Pretax return on assets | 2.6036% | 184 |
| Return on Equity (ROE) | 25.1419% | 84 |
| Retained earnings to average equity (ytd only) | 15.2579% | 306 |
| Net charge-offs to loans | 0.0343% | 1,826 |
| Credit loss provision to net charge-offs | 450.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 85.9000% | 671 |
| Efficiency ratio | 34.7264% | 5,527 |
| Assets per employee ($millions) | 8.8668% | 466 |
| Cash dividends to net income (ytd only)* | 39.3130% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,983 |
| Loan loss allowance to noncurrent loans | 322.0379% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,486 |
| Noncurrent loans to loans | 0.3628% | 3,471 |
| Net loans and leases to total assets | 92.6169% | 16 |
| Net loans and leases to deposits | 124.3241% | 74 |
| Net loans and leases to core deposits | 164.2405% | 76 |
| Total domestic deposits to total assets | 74.4963% | 5,106 |
| Equity capital to assets | 10.2630% | 3,321 |
| Core capital (leverage) ratio | 10.2398% | 3,255 |
| Tier 1 risk-based capital ratio | 10.9604% | 5,153 |
| Total risk-based capital ratio | 12.1295% | 5,101 |
| Memoranda: | ||
| Average total assets | $125,059,500 | 3,813 |
| Average earning assets | $119,900,000 | 3,751 |
| Average equity | $12,505,000 | 4,047 |
| Average total loans | $116,654,000 | 3,106 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 618 |
| Cost of funding earning assets | 0.7163% | 943 |
| Net interest margin | 4.3088% | 949 |
| Noninterest income to average assets | 0.1922% | 4,995 |
| Noninterest expense to average assets | 1.4589% | 5,495 |
| Loan and lease loss provision to assets | 0.0866% | 2,457 |
| Net operating income to assets | 2.6309% | 102 |
| Return on assets (ROA) | 2.6309% | 102 |
| Pretax return on assets | 2.7645% | 121 |
| Return on Equity (ROE) | 27.2435% | 50 |
| Retained earnings to average equity (ytd only) | 9.2406% | 468 |
| Net charge-offs to loans | 0.1646% | 1,490 |
| Credit loss provision to net charge-offs | 56.1497% | 3,260 |
| Earnings coverage of net charge-offs (x) | 18.4866% | 2,073 |
| Efficiency ratio | 33.8500% | 5,608 |
| Assets per employee ($millions) | 8.9989% | 449 |
| Cash dividends to net income (ytd only)* | 66.0815% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,178 |
| Loan loss allowance to noncurrent loans | 269.6538% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,300 |
| Noncurrent loans to loans | 0.4197% | 3,270 |
| Net loans and leases to total assets | 91.8013% | 37 |
| Net loans and leases to deposits | 123.1578% | 80 |
| Net loans and leases to core deposits | 140.6259% | 205 |
| Total domestic deposits to total assets | 74.5396% | 5,133 |
| Equity capital to assets | 9.7393% | 3,982 |
| Core capital (leverage) ratio | 10.0818% | 3,347 |
| Tier 1 risk-based capital ratio | 10.4529% | 5,384 |
| Total risk-based capital ratio | 11.5808% | 5,355 |
| Memoranda: | ||
| Average total assets | $121,253,200 | 3,872 |
| Average earning assets | $115,878,400 | 3,819 |
| Average equity | $11,709,200 | 4,184 |
| Average total loans | $113,640,600 | 3,134 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 576 |
| Cost of funding earning assets | 0.6834% | 1,052 |
| Net interest margin | 4.3459% | 824 |
| Noninterest income to average assets | 0.1943% | 5,043 |
| Noninterest expense to average assets | 1.4558% | 5,550 |
| Loan and lease loss provision to assets | 0.0666% | 2,733 |
| Net operating income to assets | 2.6950% | 105 |
| Return on assets (ROA) | 2.6950% | 105 |
| Pretax return on assets | 2.8238% | 133 |
| Return on Equity (ROE) | 27.9706% | 41 |
| Retained earnings to average equity (ytd only) | 9.3466% | 743 |
| Net charge-offs to loans | 0.2222% | 977 |
| Credit loss provision to net charge-offs | 31.9149% | 3,068 |
| Earnings coverage of net charge-offs (x) | 13.8458% | 2,332 |
| Efficiency ratio | 33.4951% | 5,671 |
| Assets per employee ($millions) | 8.1458% | 600 |
| Cash dividends to net income (ytd only)* | 66.5842% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 3,271 |
| Loan loss allowance to noncurrent loans | 218.4615% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 3,133 |
| Noncurrent loans to loans | 0.5205% | 3,141 |
| Net loans and leases to total assets | 90.9295% | 55 |
| Net loans and leases to deposits | 126.0697% | 59 |
| Net loans and leases to core deposits | 146.5037% | 142 |
| Total domestic deposits to total assets | 72.1263% | 5,367 |
| Equity capital to assets | 9.8243% | 4,114 |
| Core capital (leverage) ratio | 10.0621% | 3,491 |
| Tier 1 risk-based capital ratio | 10.6193% | 5,410 |
| Total risk-based capital ratio | 11.7499% | 5,383 |
| Memoranda: | ||
| Average total assets | $120,070,500 | 3,934 |
| Average earning assets | $114,710,750 | 3,872 |
| Average equity | $11,569,000 | 4,251 |
| Average total loans | $112,806,000 | 3,176 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 587 |
| Cost of funding earning assets | 0.6379% | 1,213 |
| Net interest margin | 4.3378% | 785 |
| Noninterest income to average assets | 0.1960% | 5,069 |
| Noninterest expense to average assets | 1.4611% | 5,597 |
| Loan and lease loss provision to assets | 0.0335% | 3,321 |
| Net operating income to assets | 2.7512% | 100 |
| Return on assets (ROA) | 2.7512% | 102 |
| Pretax return on assets | 2.8719% | 128 |
| Return on Equity (ROE) | 28.7465% | 41 |
| Retained earnings to average equity (ytd only) | 9.0511% | 824 |
| Net charge-offs to loans | 0.1700% | 1,145 |
| Credit loss provision to net charge-offs | 20.8333% | 2,781 |
| Earnings coverage of net charge-offs (x) | 18.0625% | 1,900 |
| Efficiency ratio | 33.4612% | 5,719 |
| Assets per employee ($millions) | 8.5559% | 496 |
| Cash dividends to net income (ytd only)* | 68.5140% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,173 |
| Loan loss allowance to noncurrent loans | 195.8763% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 2,868 |
| Noncurrent loans to loans | 0.5994% | 2,934 |
| Net loans and leases to total assets | 93.4590% | 14 |
| Net loans and leases to deposits | 121.1862% | 86 |
| Net loans and leases to core deposits | 143.3270% | 165 |
| Total domestic deposits to total assets | 77.1201% | 4,941 |
| Equity capital to assets | 9.7761% | 4,143 |
| Core capital (leverage) ratio | 9.6300% | 3,985 |
| Tier 1 risk-based capital ratio | 10.3713% | 5,514 |
| Total risk-based capital ratio | 11.5492% | 5,477 |
| Memoranda: | ||
| Average total assets | $119,365,000 | 3,970 |
| Average earning assets | $114,757,670 | 3,898 |
| Average equity | $11,424,000 | 4,289 |
| Average total loans | $112,947,330 | 3,181 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 760 |
| Cost of funding earning assets | 0.5584% | 1,667 |
| Net interest margin | 4.2332% | 921 |
| Noninterest income to average assets | 0.1779% | 5,206 |
| Noninterest expense to average assets | 1.4804% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.6755% | 111 |
| Return on assets (ROA) | 2.6755% | 116 |
| Pretax return on assets | 2.7695% | 158 |
| Return on Equity (ROE) | 28.2599% | 56 |
| Retained earnings to average equity (ytd only) | 5.8151% | 2,434 |
| Net charge-offs to loans | -0.0071% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8341% | 5,770 |
| Assets per employee ($millions) | 8.5466% | 494 |
| Cash dividends to net income (ytd only)* | 79.4228% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,935 |
| Loan loss allowance to noncurrent loans | 172.7607% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,588 |
| Noncurrent loans to loans | 0.7125% | 2,711 |
| Net loans and leases to total assets | 94.4147% | 5 |
| Net loans and leases to deposits | 116.0893% | 122 |
| Net loans and leases to core deposits | 138.2962% | 184 |
| Total domestic deposits to total assets | 81.3293% | 4,336 |
| Equity capital to assets | 9.4983% | 4,284 |
| Core capital (leverage) ratio | 9.6489% | 3,929 |
| Tier 1 risk-based capital ratio | 10.0018% | 5,698 |
| Total risk-based capital ratio | 11.2417% | 5,669 |
| Memoranda: | ||
| Average total assets | $119,156,500 | 4,009 |
| Average earning assets | $114,616,500 | 3,936 |
| Average equity | $11,281,000 | 4,339 |
| Average total loans | $112,782,500 | 3,204 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 658 |
| Cost of funding earning assets | 0.5598% | 1,608 |
| Net interest margin | 4.3883% | 796 |
| Noninterest income to average assets | 0.1867% | 5,282 |
| Noninterest expense to average assets | 1.4557% | 5,742 |
| Loan and lease loss provision to assets | 0.1130% | 2,178 |
| Net operating income to assets | 2.6787% | 111 |
| Return on assets (ROA) | 2.6787% | 111 |
| Pretax return on assets | 2.8109% | 135 |
| Return on Equity (ROE) | 28.9561% | 48 |
| Retained earnings to average equity (ytd only) | 4.3344% | 2,819 |
| Net charge-offs to loans | 0.0088% | 3,968 |
| Credit loss provision to net charge-offs | 1,350.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 349.3000% | 234 |
| Efficiency ratio | 33.2378% | 5,852 |
| Assets per employee ($millions) | 8.4757% | 507 |
| Cash dividends to net income (ytd only)* | 85.0313% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 92.5173% | 23 |
| Net loans and leases to deposits | 112.0271% | 188 |
| Net loans and leases to core deposits | 137.0310% | 205 |
| Total domestic deposits to total assets | 82.5847% | 3,903 |
| Equity capital to assets | 9.4362% | 4,343 |
| Core capital (leverage) ratio | 9.3798% | 4,246 |
| Tier 1 risk-based capital ratio | 10.0828% | 5,717 |
| Total risk-based capital ratio | 11.3326% | 5,667 |
| Memoranda: | ||
| Average total assets | $119,462,800 | 4,009 |
| Average earning assets | $114,145,400 | 3,926 |
| Average equity | $11,051,200 | 4,420 |
| Average total loans | $113,123,400 | 3,174 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 666 |
| Cost of funding earning assets | 0.5595% | 1,613 |
| Net interest margin | 4.3831% | 801 |
| Noninterest income to average assets | 0.1827% | 5,366 |
| Noninterest expense to average assets | 1.4306% | 5,807 |
| Loan and lease loss provision to assets | 0.1504% | 1,553 |
| Net operating income to assets | 2.6607% | 128 |
| Return on assets (ROA) | 2.6607% | 131 |
| Pretax return on assets | 2.7911% | 144 |
| Return on Equity (ROE) | 28.9060% | 49 |
| Retained earnings to average equity (ytd only) | 5.6286% | 2,412 |
| Net charge-offs to loans | 0.0047% | 3,750 |
| Credit loss provision to net charge-offs | 3,375.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 660.3959% | 142 |
| Efficiency ratio | 32.7217% | 5,918 |
| Assets per employee ($millions) | 8.6012% | 468 |
| Cash dividends to net income (ytd only)* | 80.5278% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 93.0018% | 17 |
| Net loans and leases to deposits | 128.5011% | 49 |
| Net loans and leases to core deposits | 163.6013% | 77 |
| Total domestic deposits to total assets | 72.3743% | 5,575 |
| Equity capital to assets | 9.2894% | 4,875 |
| Core capital (leverage) ratio | 9.1619% | 4,645 |
| Tier 1 risk-based capital ratio | 9.8474% | 5,827 |
| Total risk-based capital ratio | 11.0905% | 5,800 |
| Memoranda: | ||
| Average total assets | $119,663,500 | 4,025 |
| Average earning assets | $114,374,750 | 3,943 |
| Average equity | $11,014,750 | 4,467 |
| Average total loans | $113,607,500 | 3,169 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 698 |
| Cost of funding earning assets | 0.5483% | 1,712 |
| Net interest margin | 4.3650% | 825 |
| Noninterest income to average assets | 0.1759% | 5,441 |
| Noninterest expense to average assets | 1.4421% | 5,882 |
| Loan and lease loss provision to assets | 0.1507% | 1,519 |
| Net operating income to assets | 2.6346% | 124 |
| Return on assets (ROA) | 2.6346% | 126 |
| Pretax return on assets | 2.7568% | 148 |
| Return on Equity (ROE) | 28.7105% | 52 |
| Retained earnings to average equity (ytd only) | 7.7389% | 1,272 |
| Net charge-offs to loans | 0.0053% | 3,516 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 578.6667% | 112 |
| Efficiency ratio | 33.1536% | 5,993 |
| Assets per employee ($millions) | 8.5903% | 461 |
| Cash dividends to net income (ytd only)* | 73.0451% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 92.6753% | 18 |
| Net loans and leases to deposits | 123.8361% | 78 |
| Net loans and leases to core deposits | 155.0355% | 101 |
| Total domestic deposits to total assets | 74.8370% | 5,432 |
| Equity capital to assets | 9.2671% | 5,005 |
| Core capital (leverage) ratio | 9.1996% | 4,595 |
| Tier 1 risk-based capital ratio | 9.8685% | 5,884 |
| Total risk-based capital ratio | 11.0802% | 5,857 |
| Memoranda: | ||
| Average total assets | $119,412,330 | 4,054 |
| Average earning assets | $114,180,000 | 3,974 |
| Average equity | $10,957,670 | 4,500 |
| Average total loans | $113,676,000 | 3,181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 714 |
| Cost of funding earning assets | 0.5266% | 1,898 |
| Net interest margin | 4.3600% | 813 |
| Noninterest income to average assets | 0.1748% | 5,450 |
| Noninterest expense to average assets | 1.4590% | 5,931 |
| Loan and lease loss provision to assets | 0.1513% | 1,403 |
| Net operating income to assets | 2.6457% | 129 |
| Return on assets (ROA) | 2.6457% | 130 |
| Pretax return on assets | 2.7398% | 160 |
| Return on Equity (ROE) | 28.9764% | 59 |
| Retained earnings to average equity (ytd only) | 10.6775% | 712 |
| Net charge-offs to loans | 0.0210% | 2,514 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 143.3333% | 415 |
| Efficiency ratio | 33.5394% | 6,049 |
| Assets per employee ($millions) | 8.4805% | 478 |
| Cash dividends to net income (ytd only)* | 63.1512% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 94.3635% | 6 |
| Net loans and leases to deposits | 125.7295% | 54 |
| Net loans and leases to core deposits | 157.8047% | 89 |
| Total domestic deposits to total assets | 75.0529% | 5,515 |
| Equity capital to assets | 9.2734% | 4,914 |
| Core capital (leverage) ratio | 9.1866% | 4,613 |
| Tier 1 risk-based capital ratio | 9.7030% | 5,970 |
| Total risk-based capital ratio | 10.8665% | 5,964 |
| Memoranda: | ||
| Average total assets | $118,986,500 | 4,099 |
| Average earning assets | $113,944,000 | 4,008 |
| Average equity | $10,864,000 | 4,534 |
| Average total loans | $114,102,500 | 3,182 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 877 |
| Cost of funding earning assets | 0.4510% | 2,618 |
| Net interest margin | 4.3789% | 830 |
| Noninterest income to average assets | 0.2052% | 5,368 |
| Noninterest expense to average assets | 1.5032% | 5,983 |
| Loan and lease loss provision to assets | 0.1599% | 1,448 |
| Net operating income to assets | 2.5960% | 137 |
| Return on assets (ROA) | 2.5960% | 137 |
| Pretax return on assets | 2.7168% | 152 |
| Return on Equity (ROE) | 28.7536% | 66 |
| Retained earnings to average equity (ytd only) | 9.3385% | 575 |
| Net charge-offs to loans | -0.0074% | 5,045 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3205% | 6,120 |
| Assets per employee ($millions) | 8.5176% | 459 |
| Cash dividends to net income (ytd only)* | 67.5222% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 95.2393% | 3 |
| Net loans and leases to deposits | 122.5256% | 84 |
| Net loans and leases to core deposits | 152.7553% | 99 |
| Total domestic deposits to total assets | 77.7301% | 5,214 |
| Equity capital to assets | 8.9881% | 5,135 |
| Core capital (leverage) ratio | 9.2464% | 4,552 |
| Tier 1 risk-based capital ratio | 9.3309% | 6,069 |
| Total risk-based capital ratio | 10.4461% | 6,080 |
| Memoranda: | ||
| Average total assets | $112,557,600 | 4,207 |
| Average earning assets | $107,310,800 | 4,110 |
| Average equity | $10,162,200 | 4,631 |
| Average total loans | $108,007,800 | 3,238 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 874 |
| Cost of funding earning assets | 0.4366% | 2,832 |
| Net interest margin | 4.4037% | 788 |
| Noninterest income to average assets | 0.2008% | 5,438 |
| Noninterest expense to average assets | 1.5198% | 6,032 |
| Loan and lease loss provision to assets | 0.1623% | 1,314 |
| Net operating income to assets | 2.5984% | 146 |
| Return on assets (ROA) | 2.5984% | 150 |
| Pretax return on assets | 2.7150% | 168 |
| Return on Equity (ROE) | 28.7458% | 65 |
| Retained earnings to average equity (ytd only) | 8.0611% | 1,224 |
| Net charge-offs to loans | -0.0100% | 4,988 |
| Credit loss provision to net charge-offs | -1,687.5000% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5639% | 6,198 |
| Assets per employee ($millions) | 7.9846% | 544 |
| Cash dividends to net income (ytd only)* | 71.9574% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 3,931 |
| Loan loss allowance to noncurrent loans | 41,200.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,813 |
| Noncurrent loans to loans | 0.0028% | 5,656 |
| Net loans and leases to total assets | 95.1209% | 6 |
| Net loans and leases to deposits | 122.1987% | 82 |
| Net loans and leases to core deposits | 151.8414% | 103 |
| Total domestic deposits to total assets | 77.8412% | 5,216 |
| Equity capital to assets | 9.2813% | 5,024 |
| Core capital (leverage) ratio | 9.2580% | 4,647 |
| Tier 1 risk-based capital ratio | 9.6290% | 6,121 |
| Total risk-based capital ratio | 10.7762% | 6,115 |
| Memoranda: | ||
| Average total assets | $110,885,500 | 4,290 |
| Average earning assets | $105,666,000 | 4,187 |
| Average equity | $10,023,250 | 4,719 |
| Average total loans | $106,297,250 | 3,298 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 907 |
| Cost of funding earning assets | 0.4291% | 2,942 |
| Net interest margin | 4.3615% | 816 |
| Noninterest income to average assets | 0.2007% | 5,478 |
| Noninterest expense to average assets | 1.4921% | 6,117 |
| Loan and lease loss provision to assets | 0.1628% | 1,304 |
| Net operating income to assets | 2.6043% | 150 |
| Return on assets (ROA) | 2.6043% | 154 |
| Pretax return on assets | 2.7002% | 192 |
| Return on Equity (ROE) | 29.0733% | 74 |
| Retained earnings to average equity (ytd only) | 6.1175% | 2,160 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2608% | 6,273 |
| Assets per employee ($millions) | 8.1283% | 501 |
| Cash dividends to net income (ytd only)* | 78.9583% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 4,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 94.8539% | 6 |
| Net loans and leases to deposits | 123.7433% | 72 |
| Net loans and leases to core deposits | 151.5117% | 100 |
| Total domestic deposits to total assets | 76.6538% | 5,512 |
| Equity capital to assets | 8.8509% | 5,389 |
| Core capital (leverage) ratio | 8.9825% | 4,995 |
| Tier 1 risk-based capital ratio | 9.2539% | 6,231 |
| Total risk-based capital ratio | 10.3408% | 6,225 |
| Memoranda: | ||
| Average total assets | $110,586,000 | 4,330 |
| Average earning assets | $105,331,000 | 4,236 |
| Average equity | $9,906,000 | 4,767 |
| Average total loans | $105,874,330 | 3,328 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 961 |
| Cost of funding earning assets | 0.4164% | 3,124 |
| Net interest margin | 4.3256% | 832 |
| Noninterest income to average assets | 0.2092% | 5,456 |
| Noninterest expense to average assets | 1.5452% | 6,148 |
| Loan and lease loss provision to assets | 0.1652% | 1,213 |
| Net operating income to assets | 2.5619% | 138 |
| Return on assets (ROA) | 2.5619% | 149 |
| Pretax return on assets | 2.6170% | 206 |
| Return on Equity (ROE) | 28.4231% | 66 |
| Retained earnings to average equity (ytd only) | 4.3978% | 3,385 |
| Net charge-offs to loans | 0.0077% | 3,072 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 379.0000% | 148 |
| Efficiency ratio | 35.7082% | 6,331 |
| Assets per employee ($millions) | 7.6544% | 632 |
| Cash dividends to net income (ytd only)* | 84.5272% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 95.1345% | 4 |
| Net loans and leases to deposits | 124.7849% | 57 |
| Net loans and leases to core deposits | 149.5080% | 105 |
| Total domestic deposits to total assets | 76.2388% | 5,709 |
| Equity capital to assets | 9.2169% | 5,064 |
| Core capital (leverage) ratio | 9.1336% | 4,808 |
| Tier 1 risk-based capital ratio | 9.6491% | 6,247 |
| Total risk-based capital ratio | 10.7589% | 6,248 |
| Memoranda: | ||
| Average total assets | $108,981,000 | 4,391 |
| Average earning assets | $103,755,000 | 4,309 |
| Average equity | $9,823,000 | 4,820 |
| Average total loans | $104,250,000 | 3,367 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 1,116 |
| Cost of funding earning assets | 0.4355% | 3,328 |
| Net interest margin | 4.3643% | 940 |
| Noninterest income to average assets | 0.2881% | 5,057 |
| Noninterest expense to average assets | 1.5852% | 6,250 |
| Loan and lease loss provision to assets | 0.1164% | 2,231 |
| Net operating income to assets | 2.5815% | 130 |
| Return on assets (ROA) | 2.5815% | 129 |
| Pretax return on assets | 2.7183% | 150 |
| Return on Equity (ROE) | 29.1668% | 64 |
| Retained earnings to average equity (ytd only) | 9.0975% | 685 |
| Net charge-offs to loans | 0.0225% | 4,392 |
| Credit loss provision to net charge-offs | 545.4545% | 489 |
| Earnings coverage of net charge-offs (x) | 132.8182% | 404 |
| Efficiency ratio | 35.8648% | 6,440 |
| Assets per employee ($millions) | 7.9143% | 548 |
| Cash dividends to net income (ytd only)* | 68.8087% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,870 |
| Loan loss allowance to noncurrent loans | 12,144.4444% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,043 |
| Noncurrent loans to loans | 0.0085% | 5,890 |
| Net loans and leases to total assets | 94.1543% | 8 |
| Net loans and leases to deposits | 125.4576% | 65 |
| Net loans and leases to core deposits | 144.0587% | 135 |
| Total domestic deposits to total assets | 75.0487% | 5,856 |
| Equity capital to assets | 8.8168% | 5,472 |
| Core capital (leverage) ratio | 9.1461% | 4,758 |
| Tier 1 risk-based capital ratio | 9.2785% | 6,382 |
| Total risk-based capital ratio | 10.3167% | 6,385 |
| Memoranda: | ||
| Average total assets | $103,079,600 | 4,527 |
| Average earning assets | $97,586,800 | 4,462 |
| Average equity | $9,123,400 | 4,946 |
| Average total loans | $97,928,200 | 3,467 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,081 |
| Cost of funding earning assets | 0.4346% | 3,424 |
| Net interest margin | 4.3777% | 913 |
| Noninterest income to average assets | 0.3005% | 5,046 |
| Noninterest expense to average assets | 1.6134% | 6,273 |
| Loan and lease loss provision to assets | 0.1186% | 2,088 |
| Net operating income to assets | 2.5928% | 126 |
| Return on assets (ROA) | 2.5928% | 128 |
| Pretax return on assets | 2.7114% | 156 |
| Return on Equity (ROE) | 29.2636% | 66 |
| Retained earnings to average equity (ytd only) | 2.0233% | 5,040 |
| Net charge-offs to loans | 0.0264% | 3,978 |
| Credit loss provision to net charge-offs | 473.6842% | 598 |
| Earnings coverage of net charge-offs (x) | 113.0122% | 523 |
| Efficiency ratio | 36.3097% | 6,504 |
| Assets per employee ($millions) | 7.2377% | 721 |
| Cash dividends to net income (ytd only)* | 93.0859% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 4,723 |
| Loan loss allowance to noncurrent loans | 8,883.3333% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 6,134 |
| Noncurrent loans to loans | 0.0124% | 5,985 |
| Net loans and leases to total assets | 94.1714% | 7 |
| Net loans and leases to deposits | 133.3324% | 29 |
| Net loans and leases to core deposits | 155.5320% | 86 |
| Total domestic deposits to total assets | 70.6290% | 6,250 |
| Equity capital to assets | 8.9561% | 5,395 |
| Core capital (leverage) ratio | 8.6762% | 5,472 |
| Tier 1 risk-based capital ratio | 9.4046% | 6,451 |
| Total risk-based capital ratio | 10.5094% | 6,447 |
| Memoranda: | ||
| Average total assets | $101,149,500 | 4,621 |
| Average earning assets | $95,725,000 | 4,553 |
| Average equity | $8,962,000 | 5,020 |
| Average total loans | $96,056,250 | 3,530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,050 |
| Cost of funding earning assets | 0.4371% | 3,472 |
| Net interest margin | 4.3752% | 890 |
| Noninterest income to average assets | 0.2394% | 5,480 |
| Noninterest expense to average assets | 1.6104% | 6,347 |
| Loan and lease loss provision to assets | 0.1187% | 2,066 |
| Net operating income to assets | 2.5383% | 131 |
| Return on assets (ROA) | 2.5383% | 137 |
| Pretax return on assets | 2.6491% | 171 |
| Return on Equity (ROE) | 28.7529% | 68 |
| Retained earnings to average equity (ytd only) | 0.4706% | 5,556 |
| Net charge-offs to loans | 0.0521% | 3,223 |
| Credit loss provision to net charge-offs | 240.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 55.9600% | 849 |
| Efficiency ratio | 36.7826% | 6,566 |
| Assets per employee ($millions) | 7.1354% | 748 |
| Cash dividends to net income (ytd only)* | 98.3632% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 4,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 94.7885% | 5 |
| Net loans and leases to deposits | 124.7139% | 57 |
| Net loans and leases to core deposits | 145.2575% | 115 |
| Total domestic deposits to total assets | 76.0048% | 5,911 |
| Equity capital to assets | 8.9694% | 5,330 |
| Core capital (leverage) ratio | 8.8622% | 5,217 |
| Tier 1 risk-based capital ratio | 9.4122% | 6,500 |
| Total risk-based capital ratio | 10.4941% | 6,507 |
| Memoranda: | ||
| Average total assets | $101,090,000 | 4,659 |
| Average earning assets | $95,629,670 | 4,591 |
| Average equity | $8,924,330 | 5,047 |
| Average total loans | $95,912,330 | 3,542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,183 |
| Cost of funding earning assets | 0.4384% | 3,552 |
| Net interest margin | 4.2967% | 1,002 |
| Noninterest income to average assets | 0.2557% | 5,313 |
| Noninterest expense to average assets | 1.6285% | 6,411 |
| Loan and lease loss provision to assets | 0.1180% | 2,006 |
| Net operating income to assets | 2.4703% | 153 |
| Return on assets (ROA) | 2.4703% | 162 |
| Pretax return on assets | 2.5569% | 208 |
| Return on Equity (ROE) | 28.2041% | 81 |
| Retained earnings to average equity (ytd only) | -2.9192% | 5,956 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8428% | 6,621 |
| Assets per employee ($millions) | 7.1204% | 757 |
| Cash dividends to net income (ytd only)* | 110.3503% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,181 |
| Loan loss allowance to noncurrent loans | 683.3333% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 5,787 |
| Noncurrent loans to loans | 0.1588% | 5,608 |
| Net loans and leases to total assets | 93.7293% | 6 |
| Net loans and leases to deposits | 122.6229% | 58 |
| Net loans and leases to core deposits | 139.2619% | 130 |
| Total domestic deposits to total assets | 76.4370% | 6,033 |
| Equity capital to assets | 8.9020% | 5,221 |
| Core capital (leverage) ratio | 8.9067% | 5,127 |
| Tier 1 risk-based capital ratio | 9.4420% | 6,556 |
| Total risk-based capital ratio | 10.5326% | 6,570 |
| Memoranda: | ||
| Average total assets | $101,687,500 | 4,692 |
| Average earning assets | $95,794,500 | 4,635 |
| Average equity | $8,906,500 | 5,074 |
| Average total loans | $96,009,000 | 3,556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,017 |
| Cost of funding earning assets | 0.5360% | 3,240 |
| Net interest margin | 4.4074% | 897 |
| Noninterest income to average assets | 0.2379% | 5,644 |
| Noninterest expense to average assets | 1.6177% | 6,505 |
| Loan and lease loss provision to assets | 0.0203% | 4,729 |
| Net operating income to assets | 2.6253% | 152 |
| Return on assets (ROA) | 2.6253% | 155 |
| Pretax return on assets | 2.7636% | 154 |
| Return on Equity (ROE) | 29.6557% | 75 |
| Retained earnings to average equity (ytd only) | 1.9985% | 4,813 |
| Net charge-offs to loans | 0.0022% | 5,438 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 1,369.0000% | 29 |
| Efficiency ratio | 36.7521% | 6,725 |
| Assets per employee ($millions) | 7.4064% | 627 |
| Cash dividends to net income (ytd only)* | 93.2610% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 5,465 |
| Loan loss allowance to noncurrent loans | 99,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,455 |
| Noncurrent loans to loans | 0.0010% | 6,315 |
| Net loans and leases to total assets | 93.1275% | 10 |
| Net loans and leases to deposits | 130.4676% | 36 |
| Net loans and leases to core deposits | 148.7644% | 103 |
| Total domestic deposits to total assets | 71.3798% | 6,455 |
| Equity capital to assets | 8.6210% | 5,461 |
| Core capital (leverage) ratio | 8.9933% | 5,019 |
| Tier 1 risk-based capital ratio | 9.1791% | 6,644 |
| Total risk-based capital ratio | 10.2009% | 6,654 |
| Memoranda: | ||
| Average total assets | $98,349,600 | 4,785 |
| Average earning assets | $92,912,400 | 4,702 |
| Average equity | $8,706,600 | 5,160 |
| Average total loans | $92,945,800 | 3,622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 983 |
| Cost of funding earning assets | 0.5443% | 3,327 |
| Net interest margin | 4.4329% | 837 |
| Noninterest income to average assets | 0.2309% | 5,779 |
| Noninterest expense to average assets | 1.6176% | 6,541 |
| Loan and lease loss provision to assets | 0.1237% | 2,743 |
| Net operating income to assets | 2.5796% | 159 |
| Return on assets (ROA) | 2.5796% | 166 |
| Pretax return on assets | 2.6868% | 188 |
| Return on Equity (ROE) | 28.9368% | 79 |
| Retained earnings to average equity (ytd only) | -1.7420% | 6,231 |
| Net charge-offs to loans | -0.0131% | 5,948 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5301% | 6,795 |
| Assets per employee ($millions) | 6.9879% | 757 |
| Cash dividends to net income (ytd only)* | 106.0205% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 5,031 |
| Loan loss allowance to noncurrent loans | 8,276.9231% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 6,460 |
| Noncurrent loans to loans | 0.0141% | 6,319 |
| Net loans and leases to total assets | 93.0410% | 10 |
| Net loans and leases to deposits | 132.1036% | 32 |
| Net loans and leases to core deposits | 156.2261% | 78 |
| Total domestic deposits to total assets | 70.4303% | 6,579 |
| Equity capital to assets | 8.8327% | 5,381 |
| Core capital (leverage) ratio | 8.8089% | 5,401 |
| Tier 1 risk-based capital ratio | 9.3769% | 6,693 |
| Total risk-based capital ratio | 10.5445% | 6,687 |
| Memoranda: | ||
| Average total assets | $97,014,750 | 4,854 |
| Average earning assets | $91,856,000 | 4,771 |
| Average equity | $8,648,500 | 5,226 |
| Average total loans | $91,792,750 | 3,667 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 1,002 |
| Cost of funding earning assets | 0.5484% | 3,432 |
| Net interest margin | 4.4005% | 845 |
| Noninterest income to average assets | 0.2274% | 5,817 |
| Noninterest expense to average assets | 1.6167% | 6,576 |
| Loan and lease loss provision to assets | 0.1240% | 2,769 |
| Net operating income to assets | 2.5738% | 156 |
| Return on assets (ROA) | 2.5738% | 169 |
| Pretax return on assets | 2.6669% | 215 |
| Return on Equity (ROE) | 28.7828% | 83 |
| Retained earnings to average equity (ytd only) | -4.2770% | 6,416 |
| Net charge-offs to loans | -0.0109% | 5,787 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6792% | 6,837 |
| Assets per employee ($millions) | 6.9079% | 751 |
| Cash dividends to net income (ytd only)* | 114.8594% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,324 |
| Loan loss allowance to noncurrent loans | 3,361.2903% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 6,429 |
| Noncurrent loans to loans | 0.0336% | 6,304 |
| Net loans and leases to total assets | 94.3543% | 4 |
| Net loans and leases to deposits | 134.6367% | 32 |
| Net loans and leases to core deposits | 159.7011% | 71 |
| Total domestic deposits to total assets | 70.0807% | 6,657 |
| Equity capital to assets | 8.8605% | 5,378 |
| Core capital (leverage) ratio | 8.8034% | 5,282 |
| Tier 1 risk-based capital ratio | 9.3284% | 6,738 |
| Total risk-based capital ratio | 10.4628% | 6,742 |
| Memoranda: | ||
| Average total assets | $96,743,000 | 4,892 |
| Average earning assets | $91,899,330 | 4,797 |
| Average equity | $8,651,000 | 5,264 |
| Average total loans | $91,691,000 | 3,684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 1,009 |
| Cost of funding earning assets | 0.5535% | 3,538 |
| Net interest margin | 4.3754% | 836 |
| Noninterest income to average assets | 0.2026% | 6,031 |
| Noninterest expense to average assets | 1.6164% | 6,656 |
| Loan and lease loss provision to assets | 0.1240% | 2,682 |
| Net operating income to assets | 2.5631% | 147 |
| Return on assets (ROA) | 2.5631% | 156 |
| Pretax return on assets | 2.6127% | 226 |
| Return on Equity (ROE) | 28.5320% | 88 |
| Retained earnings to average equity (ytd only) | -6.2126% | 6,429 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1320% | 6,912 |
| Assets per employee ($millions) | 6.7532% | 864 |
| Cash dividends to net income (ytd only)* | 121.7742% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 5,487 |
| Loan loss allowance to noncurrent loans | 2,877.1429% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 6,495 |
| Noncurrent loans to loans | 0.0393% | 6,369 |
| Net loans and leases to total assets | 93.2117% | 12 |
| Net loans and leases to deposits | 127.9298% | 40 |
| Net loans and leases to core deposits | 146.3393% | 107 |
| Total domestic deposits to total assets | 72.8616% | 6,611 |
| Equity capital to assets | 9.1163% | 5,350 |
| Core capital (leverage) ratio | 8.9787% | 4,923 |
| Tier 1 risk-based capital ratio | 9.6916% | 6,734 |
| Total risk-based capital ratio | 10.8250% | 6,737 |
| Memoranda: | ||
| Average total assets | $96,759,500 | 4,935 |
| Average earning assets | $91,785,500 | 4,848 |
| Average equity | $8,692,000 | 5,306 |
| Average total loans | $91,390,500 | 3,707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 901 |
| Cost of funding earning assets | 0.7229% | 3,302 |
| Net interest margin | 4.5923% | 796 |
| Noninterest income to average assets | 0.3309% | 5,085 |
| Noninterest expense to average assets | 1.7452% | 6,681 |
| Loan and lease loss provision to assets | 0.1374% | 3,904 |
| Net operating income to assets | 2.6429% | 130 |
| Return on assets (ROA) | 2.6429% | 142 |
| Pretax return on assets | 2.7769% | 179 |
| Return on Equity (ROE) | 30.9317% | 59 |
| Retained earnings to average equity (ytd only) | 13.7906% | 210 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4539% | 6,980 |
| Assets per employee ($millions) | 6.5983% | 952 |
| Cash dividends to net income (ytd only)* | 55.4159% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 5,792 |
| Loan loss allowance to noncurrent loans | 3,618.5185% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 6,593 |
| Noncurrent loans to loans | 0.0288% | 6,446 |
| Net loans and leases to total assets | 93.6307% | 12 |
| Net loans and leases to deposits | 135.4290% | 35 |
| Net loans and leases to core deposits | 155.0651% | 93 |
| Total domestic deposits to total assets | 69.1363% | 6,820 |
| Equity capital to assets | 8.8559% | 5,680 |
| Core capital (leverage) ratio | 9.7085% | 3,792 |
| Tier 1 risk-based capital ratio | 9.3358% | 6,820 |
| Total risk-based capital ratio | 10.3764% | 6,838 |
| Memoranda: | ||
| Average total assets | $87,327,000 | 5,155 |
| Average earning assets | $82,312,400 | 5,059 |
| Average equity | $7,461,600 | 5,652 |
| Average total loans | $81,651,800 | 3,989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 735 |
| Cost of funding earning assets | 0.7677% | 3,213 |
| Net interest margin | 4.6987% | 674 |
| Noninterest income to average assets | 0.3491% | 5,021 |
| Noninterest expense to average assets | 1.7611% | 6,724 |
| Loan and lease loss provision to assets | 0.1422% | 3,756 |
| Net operating income to assets | 2.7309% | 134 |
| Return on assets (ROA) | 2.7309% | 141 |
| Pretax return on assets | 2.8636% | 177 |
| Return on Equity (ROE) | 32.3061% | 54 |
| Retained earnings to average equity (ytd only) | 13.3596% | 364 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9450% | 7,061 |
| Assets per employee ($millions) | 6.4307% | 984 |
| Cash dividends to net income (ytd only)* | 58.6467% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,547 |
| Loan loss allowance to noncurrent loans | 47,350.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,815 |
| Noncurrent loans to loans | 0.0024% | 6,688 |
| Net loans and leases to total assets | 91.0130% | 32 |
| Net loans and leases to deposits | 120.1980% | 76 |
| Net loans and leases to core deposits | 137.6964% | 151 |
| Total domestic deposits to total assets | 75.7192% | 6,427 |
| Equity capital to assets | 8.2750% | 6,439 |
| Core capital (leverage) ratio | 8.5189% | 5,723 |
| Tier 1 risk-based capital ratio | 8.9371% | 6,945 |
| Total risk-based capital ratio | 10.0732% | 6,960 |
| Memoranda: | ||
| Average total assets | $84,415,250 | 5,286 |
| Average earning assets | $79,367,250 | 5,200 |
| Average equity | $7,135,750 | 5,791 |
| Average total loans | $78,653,000 | 4,121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4922% | 731 |
| Cost of funding earning assets | 0.7996% | 3,190 |
| Net interest margin | 4.6926% | 684 |
| Noninterest income to average assets | 0.3416% | 5,101 |
| Noninterest expense to average assets | 1.7978% | 6,751 |
| Loan and lease loss provision to assets | 0.1454% | 3,702 |
| Net operating income to assets | 2.7113% | 133 |
| Return on assets (ROA) | 2.7113% | 142 |
| Pretax return on assets | 2.8349% | 188 |
| Return on Equity (ROE) | 31.8305% | 69 |
| Retained earnings to average equity (ytd only) | 17.5224% | 159 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6268% | 7,100 |
| Assets per employee ($millions) | 6.5645% | 920 |
| Cash dividends to net income (ytd only)* | 44.9508% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 5,599 |
| Loan loss allowance to noncurrent loans | 1,479.0323% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 6,631 |
| Noncurrent loans to loans | 0.0771% | 6,471 |
| Net loans and leases to total assets | 93.1332% | 14 |
| Net loans and leases to deposits | 116.4905% | 89 |
| Net loans and leases to core deposits | 133.4285% | 189 |
| Total domestic deposits to total assets | 79.9491% | 5,753 |
| Equity capital to assets | 8.6152% | 6,110 |
| Core capital (leverage) ratio | 8.4900% | 5,662 |
| Tier 1 risk-based capital ratio | 9.1855% | 6,961 |
| Total risk-based capital ratio | 10.3312% | 6,973 |
| Memoranda: | ||
| Average total assets | $82,543,670 | 5,370 |
| Average earning assets | $78,037,670 | 5,269 |
| Average equity | $7,031,000 | 5,843 |
| Average total loans | $77,242,000 | 4,176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 947 |
| Cost of funding earning assets | 0.8203% | 3,313 |
| Net interest margin | 4.5559% | 900 |
| Noninterest income to average assets | 0.2563% | 5,811 |
| Noninterest expense to average assets | 1.8682% | 6,700 |
| Loan and lease loss provision to assets | 0.1479% | 3,515 |
| Net operating income to assets | 2.4548% | 194 |
| Return on assets (ROA) | 2.4548% | 238 |
| Pretax return on assets | 2.5386% | 317 |
| Return on Equity (ROE) | 28.9935% | 111 |
| Retained earnings to average equity (ytd only) | 15.6612% | 397 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0173% | 7,084 |
| Assets per employee ($millions) | 6.3860% | 1,043 |
| Cash dividends to net income (ytd only)* | 45.9839% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,784 |
| Loan loss allowance to noncurrent loans | 44,350.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,948 |
| Noncurrent loans to loans | 0.0026% | 6,803 |
| Net loans and leases to total assets | 93.1738% | 13 |
| Net loans and leases to deposits | 122.4625% | 62 |
| Net loans and leases to core deposits | 129.8751% | 203 |
| Total domestic deposits to total assets | 76.0835% | 6,534 |
| Equity capital to assets | 8.4379% | 6,138 |
| Core capital (leverage) ratio | 8.7537% | 5,194 |
| Tier 1 risk-based capital ratio | 9.0273% | 7,023 |
| Total risk-based capital ratio | 10.1704% | 7,041 |
| Memoranda: | ||
| Average total assets | $81,146,500 | 5,439 |
| Average earning assets | $76,560,500 | 5,342 |
| Average equity | $6,870,500 | 5,909 |
| Average total loans | $75,665,500 | 4,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 849 |
| Cost of funding earning assets | 0.9881% | 3,461 |
| Net interest margin | 4.6721% | 797 |
| Noninterest income to average assets | 0.3572% | 4,955 |
| Noninterest expense to average assets | 2.0593% | 6,565 |
| Loan and lease loss provision to assets | 0.0129% | 6,377 |
| Net operating income to assets | 2.5667% | 127 |
| Return on assets (ROA) | 2.5667% | 128 |
| Pretax return on assets | 2.6975% | 163 |
| Return on Equity (ROE) | 30.2250% | 44 |
| Retained earnings to average equity (ytd only) | 5.4567% | 2,333 |
| Net charge-offs to loans | 0.0056% | 6,353 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 523.5000% | 62 |
| Efficiency ratio | 43.1750% | 7,143 |
| Assets per employee ($millions) | 5.6625% | 1,467 |
| Cash dividends to net income (ytd only)* | 81.9465% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 5,522 |
| Loan loss allowance to noncurrent loans | 1,648.0769% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,790 |
| Noncurrent loans to loans | 0.0711% | 6,639 |
| Net loans and leases to total assets | 91.1208% | 27 |
| Net loans and leases to deposits | 115.8649% | 108 |
| Net loans and leases to core deposits | 119.7288% | 360 |
| Total domestic deposits to total assets | 78.6440% | 6,061 |
| Equity capital to assets | 8.4970% | 6,150 |
| Core capital (leverage) ratio | 8.5037% | 5,557 |
| Tier 1 risk-based capital ratio | 9.2297% | 6,999 |
| Total risk-based capital ratio | 10.4039% | 7,016 |
| Memoranda: | ||
| Average total assets | $77,258,000 | 5,530 |
| Average earning assets | $72,965,400 | 5,446 |
| Average equity | $6,560,800 | 5,994 |
| Average total loans | $71,502,800 | 4,429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 915 |
| Cost of funding earning assets | 1.0108% | 3,607 |
| Net interest margin | 4.6505% | 849 |
| Noninterest income to average assets | 0.3474% | 5,080 |
| Noninterest expense to average assets | 2.0046% | 6,680 |
| Loan and lease loss provision to assets | 0.1563% | 4,513 |
| Net operating income to assets | 2.4684% | 165 |
| Return on assets (ROA) | 2.4684% | 170 |
| Pretax return on assets | 2.5900% | 208 |
| Return on Equity (ROE) | 29.0720% | 65 |
| Retained earnings to average equity (ytd only) | 2.1482% | 5,056 |
| Net charge-offs to loans | 0.0263% | 5,777 |
| Credit loss provision to net charge-offs | 642.8571% | 420 |
| Earnings coverage of net charge-offs (x) | 112.9057% | 317 |
| Efficiency ratio | 42.1938% | 7,201 |
| Assets per employee ($millions) | 5.7039% | 1,422 |
| Cash dividends to net income (ytd only)* | 92.6107% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 5,178 |
| Loan loss allowance to noncurrent loans | 46,350.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,086 |
| Noncurrent loans to loans | 0.0027% | 6,966 |
| Net loans and leases to total assets | 90.7018% | 33 |
| Net loans and leases to deposits | 122.4538% | 78 |
| Net loans and leases to core deposits | 124.5812% | 302 |
| Total domestic deposits to total assets | 74.0702% | 6,749 |
| Equity capital to assets | 8.1186% | 6,625 |
| Core capital (leverage) ratio | 8.3104% | 5,960 |
| Tier 1 risk-based capital ratio | 8.8245% | 7,132 |
| Total risk-based capital ratio | 10.0740% | 7,135 |
| Memoranda: | ||
| Average total assets | $76,753,750 | 5,586 |
| Average earning assets | $72,679,000 | 5,492 |
| Average equity | $6,517,000 | 6,053 |
| Average total loans | $71,105,250 | 4,485 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 998 |
| Cost of funding earning assets | 1.0275% | 3,756 |
| Net interest margin | 4.6101% | 892 |
| Noninterest income to average assets | 0.3698% | 4,913 |
| Noninterest expense to average assets | 2.0444% | 6,700 |
| Loan and lease loss provision to assets | 0.1585% | 4,336 |
| Net operating income to assets | 2.4379% | 180 |
| Return on assets (ROA) | 2.4379% | 185 |
| Pretax return on assets | 2.5515% | 226 |
| Return on Equity (ROE) | 28.2768% | 86 |
| Retained earnings to average equity (ytd only) | 4.5034% | 3,328 |
| Net charge-offs to loans | 0.0512% | 5,141 |
| Credit loss provision to net charge-offs | 333.3333% | 913 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 558 |
| Efficiency ratio | 43.0000% | 7,271 |
| Assets per employee ($millions) | 5.5179% | 1,558 |
| Cash dividends to net income (ytd only)* | 84.0737% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 91.7477% | 25 |
| Net loans and leases to deposits | 117.7870% | 100 |
| Net loans and leases to core deposits | 118.7899% | 449 |
| Total domestic deposits to total assets | 77.8928% | 6,306 |
| Equity capital to assets | 8.4465% | 6,240 |
| Core capital (leverage) ratio | 8.4914% | 5,568 |
| Tier 1 risk-based capital ratio | 9.1073% | 7,163 |
| Total risk-based capital ratio | 10.3537% | 7,165 |
| Memoranda: | ||
| Average total assets | $75,720,330 | 5,662 |
| Average earning assets | $72,016,330 | 5,556 |
| Average equity | $6,528,330 | 6,073 |
| Average total loans | $70,355,000 | 4,565 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 1,115 |
| Cost of funding earning assets | 1.0518% | 3,842 |
| Net interest margin | 4.5204% | 1,025 |
| Noninterest income to average assets | 0.3255% | 5,313 |
| Noninterest expense to average assets | 2.0759% | 6,683 |
| Loan and lease loss provision to assets | 0.1601% | 4,027 |
| Net operating income to assets | 2.3214% | 220 |
| Return on assets (ROA) | 2.3214% | 231 |
| Pretax return on assets | 2.4014% | 287 |
| Return on Equity (ROE) | 26.6462% | 126 |
| Retained earnings to average equity (ytd only) | 18.6217% | 214 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7641% | 7,255 |
| Assets per employee ($millions) | 5.3503% | 1,718 |
| Cash dividends to net income (ytd only)* | 30.1149% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 5,240 |
| Loan loss allowance to noncurrent loans | 3,830.4348% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 7,091 |
| Noncurrent loans to loans | 0.0334% | 6,972 |
| Net loans and leases to total assets | 90.8016% | 29 |
| Net loans and leases to deposits | 108.9008% | 197 |
| Net loans and leases to core deposits | 112.5128% | 641 |
| Total domestic deposits to total assets | 83.3801% | 4,752 |
| Equity capital to assets | 8.9208% | 5,318 |
| Core capital (leverage) ratio | 8.6504% | 5,168 |
| Tier 1 risk-based capital ratio | 9.7592% | 7,072 |
| Total risk-based capital ratio | 10.9509% | 7,106 |
| Memoranda: | ||
| Average total assets | $74,955,000 | 5,732 |
| Average earning assets | $71,498,500 | 5,619 |
| Average equity | $6,530,000 | 6,083 |
| Average total loans | $69,648,000 | 4,631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9103% | 1,022 |
| Cost of funding earning assets | 1.3152% | 3,786 |
| Net interest margin | 4.5951% | 1,023 |
| Noninterest income to average assets | 0.4334% | 4,650 |
| Noninterest expense to average assets | 2.1256% | 6,782 |
| Loan and lease loss provision to assets | 0.0277% | 6,849 |
| Net operating income to assets | 2.5327% | 111 |
| Return on assets (ROA) | 2.5327% | 116 |
| Pretax return on assets | 2.6587% | 160 |
| Return on Equity (ROE) | 30.4387% | 38 |
| Retained earnings to average equity (ytd only) | 11.3999% | 342 |
| Net charge-offs to loans | 0.0075% | 6,766 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 388.0000% | 61 |
| Efficiency ratio | 44.1727% | 7,412 |
| Assets per employee ($millions) | 5.3576% | 1,708 |
| Cash dividends to net income (ytd only)* | 62.5478% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 92.7259% | 24 |
| Net loans and leases to deposits | 110.5759% | 227 |
| Net loans and leases to core deposits | 118.2863% | 580 |
| Total domestic deposits to total assets | 83.8573% | 4,418 |
| Equity capital to assets | 8.5033% | 5,853 |
| Core capital (leverage) ratio | 8.1322% | 5,940 |
| Tier 1 risk-based capital ratio | 9.1324% | 7,215 |
| Total risk-based capital ratio | 10.3510% | 7,231 |
| Memoranda: | ||
| Average total assets | $72,214,400 | 5,808 |
| Average earning assets | $68,811,800 | 5,705 |
| Average equity | $6,008,800 | 6,363 |
| Average total loans | $66,981,600 | 4,790 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9587% | 1,016 |
| Cost of funding earning assets | 1.3712% | 3,773 |
| Net interest margin | 4.5876% | 1,071 |
| Noninterest income to average assets | 0.4120% | 4,862 |
| Noninterest expense to average assets | 2.0825% | 6,882 |
| Loan and lease loss provision to assets | 0.1678% | 5,367 |
| Net operating income to assets | 2.4087% | 165 |
| Return on assets (ROA) | 2.4087% | 168 |
| Pretax return on assets | 2.5280% | 214 |
| Return on Equity (ROE) | 29.1155% | 59 |
| Retained earnings to average equity (ytd only) | 11.9212% | 472 |
| Net charge-offs to loans | 0.0121% | 6,497 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 240.9938% | 136 |
| Efficiency ratio | 43.5817% | 7,476 |
| Assets per employee ($millions) | 5.2950% | 1,829 |
| Cash dividends to net income (ytd only)* | 59.0560% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,667 |
| Loan loss allowance to noncurrent loans | 192.4686% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 5,840 |
| Noncurrent loans to loans | 0.7067% | 5,797 |
| Net loans and leases to total assets | 89.9960% | 60 |
| Net loans and leases to deposits | 110.4354% | 247 |
| Net loans and leases to core deposits | 118.9940% | 650 |
| Total domestic deposits to total assets | 81.4920% | 5,205 |
| Equity capital to assets | 8.3920% | 6,403 |
| Core capital (leverage) ratio | 8.4872% | 5,537 |
| Tier 1 risk-based capital ratio | 9.1724% | 7,332 |
| Total risk-based capital ratio | 10.4242% | 7,344 |
| Memoranda: | ||
| Average total assets | $71,516,500 | 5,903 |
| Average earning assets | $68,066,500 | 5,799 |
| Average equity | $5,916,500 | 6,475 |
| Average total loans | $66,126,750 | 4,897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 1,002 |
| Cost of funding earning assets | 1.4222% | 3,735 |
| Net interest margin | 4.5546% | 1,096 |
| Noninterest income to average assets | 0.4275% | 4,698 |
| Noninterest expense to average assets | 2.1374% | 6,799 |
| Loan and lease loss provision to assets | 0.1699% | 5,176 |
| Net operating income to assets | 2.3526% | 179 |
| Return on assets (ROA) | 2.3526% | 192 |
| Pretax return on assets | 2.4630% | 245 |
| Return on Equity (ROE) | 28.5813% | 69 |
| Retained earnings to average equity (ytd only) | 10.0774% | 830 |
| Net charge-offs to loans | 0.0305% | 5,912 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 353 |
| Efficiency ratio | 44.8071% | 7,494 |
| Assets per employee ($millions) | 5.1511% | 1,984 |
| Cash dividends to net income (ytd only)* | 64.7413% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,815 |
| Loan loss allowance to noncurrent loans | 185.3556% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 5,830 |
| Noncurrent loans to loans | 0.7113% | 5,828 |
| Net loans and leases to total assets | 91.9545% | 32 |
| Net loans and leases to deposits | 115.3771% | 187 |
| Net loans and leases to core deposits | 125.4621% | 530 |
| Total domestic deposits to total assets | 79.6991% | 5,820 |
| Equity capital to assets | 8.2992% | 6,429 |
| Core capital (leverage) ratio | 8.2990% | 5,775 |
| Tier 1 risk-based capital ratio | 8.9354% | 7,424 |
| Total risk-based capital ratio | 10.1865% | 7,438 |
| Memoranda: | ||
| Average total assets | $70,645,330 | 5,956 |
| Average earning assets | $67,360,670 | 5,849 |
| Average equity | $5,815,000 | 6,524 |
| Average total loans | $65,624,330 | 4,954 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 1,146 |
| Cost of funding earning assets | 1.4944% | 3,598 |
| Net interest margin | 4.4292% | 1,299 |
| Noninterest income to average assets | 0.4520% | 4,447 |
| Noninterest expense to average assets | 2.2486% | 6,550 |
| Loan and lease loss provision to assets | 0.1716% | 4,809 |
| Net operating income to assets | 2.1857% | 258 |
| Return on assets (ROA) | 2.1857% | 283 |
| Pretax return on assets | 2.2543% | 384 |
| Return on Equity (ROE) | 26.6667% | 125 |
| Retained earnings to average equity (ytd only) | 5.2356% | 3,022 |
| Net charge-offs to loans | 0.0679% | 4,730 |
| Credit loss provision to net charge-offs | 272.7273% | 1,451 |
| Earnings coverage of net charge-offs (x) | 38.5455% | 715 |
| Efficiency ratio | 48.1028% | 7,435 |
| Assets per employee ($millions) | 4.9722% | 2,269 |
| Cash dividends to net income (ytd only)* | 80.3665% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,797 |
| Loan loss allowance to noncurrent loans | 169.6429% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 5,717 |
| Noncurrent loans to loans | 0.7813% | 5,762 |
| Net loans and leases to total assets | 91.4367% | 44 |
| Net loans and leases to deposits | 113.8274% | 215 |
| Net loans and leases to core deposits | 118.9875% | 824 |
| Total domestic deposits to total assets | 80.3293% | 5,671 |
| Equity capital to assets | 8.2846% | 6,321 |
| Core capital (leverage) ratio | 8.2452% | 5,840 |
| Tier 1 risk-based capital ratio | 9.0036% | 7,473 |
| Total risk-based capital ratio | 10.2542% | 7,488 |
| Memoranda: | ||
| Average total assets | $69,910,500 | 6,048 |
| Average earning assets | $66,649,000 | 5,945 |
| Average equity | $5,730,000 | 6,603 |
| Average total loans | $64,837,000 | 5,051 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2056% | 1,226 |
| Cost of funding earning assets | 1.8025% | 3,983 |
| Net interest margin | 4.4031% | 1,425 |
| Noninterest income to average assets | 0.4898% | 4,487 |
| Noninterest expense to average assets | 2.3286% | 6,663 |
| Loan and lease loss provision to assets | 0.0587% | 6,977 |
| Net operating income to assets | 2.1512% | 165 |
| Return on assets (ROA) | 2.1512% | 179 |
| Pretax return on assets | 2.2612% | 243 |
| Return on Equity (ROE) | 22.8669% | 136 |
| Retained earnings to average equity (ytd only) | -8.9940% | 6,428 |
| Net charge-offs to loans | -0.0080% | 7,736 |
| Credit loss provision to net charge-offs | -800.0000% | 7,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0946% | 7,535 |
| Assets per employee ($millions) | 4.6807% | 2,644 |
| Cash dividends to net income (ytd only)* | 139.3320% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 4,857 |
| Loan loss allowance to noncurrent loans | 4,917.6471% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 7,466 |
| Noncurrent loans to loans | 0.0261% | 7,369 |
| Net loans and leases to total assets | 91.6294% | 45 |
| Net loans and leases to deposits | 107.4168% | 487 |
| Net loans and leases to core deposits | 125.7609% | 1,534 |
| Total domestic deposits to total assets | 85.3027% | 3,408 |
| Equity capital to assets | 8.1085% | 6,452 |
| Core capital (leverage) ratio | 8.0374% | 6,103 |
| Tier 1 risk-based capital ratio | 8.7898% | 7,541 |
| Total risk-based capital ratio | 10.0405% | 7,572 |
| Memoranda: | ||
| Average total assets | $68,194,200 | 6,067 |
| Average earning assets | $64,409,400 | 5,980 |
| Average equity | $6,415,400 | 6,457 |
| Average total loans | $62,341,200 | 5,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2270% | 1,308 |
| Cost of funding earning assets | 1.8484% | 4,168 |
| Net interest margin | 4.3785% | 1,498 |
| Noninterest income to average assets | 0.4117% | 5,201 |
| Noninterest expense to average assets | 2.2809% | 6,753 |
| Loan and lease loss provision to assets | 0.0788% | 6,580 |
| Net operating income to assets | 2.0780% | 244 |
| Return on assets (ROA) | 2.0780% | 273 |
| Pretax return on assets | 2.1765% | 373 |
| Return on Equity (ROE) | 21.3255% | 240 |
| Retained earnings to average equity (ytd only) | 12.7549% | 276 |
| Net charge-offs to loans | -0.0216% | 7,771 |
| Credit loss provision to net charge-offs | -400.0000% | 7,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2822% | 7,537 |
| Assets per employee ($millions) | 4.5859% | 2,721 |
| Cash dividends to net income (ytd only)* | 40.1897% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 4,270 |
| Loan loss allowance to noncurrent loans | 2,213.1579% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 7,420 |
| Noncurrent loans to loans | 0.0605% | 7,353 |
| Net loans and leases to total assets | 90.1393% | 110 |
| Net loans and leases to deposits | 110.6304% | 443 |
| Net loans and leases to core deposits | 128.5451% | 1,535 |
| Total domestic deposits to total assets | 81.4779% | 4,883 |
| Equity capital to assets | 10.0308% | 4,053 |
| Core capital (leverage) ratio | 9.9900% | 3,296 |
| Tier 1 risk-based capital ratio | 11.0299% | 5,920 |
| Total risk-based capital ratio | 12.2816% | 5,886 |
| Memoranda: | ||
| Average total assets | $67,690,250 | 6,120 |
| Average earning assets | $63,764,000 | 6,048 |
| Average equity | $6,596,000 | 6,451 |
| Average total loans | $61,634,250 | 5,218 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2351% | 1,371 |
| Cost of funding earning assets | 1.8806% | 4,371 |
| Net interest margin | 4.3545% | 1,510 |
| Noninterest income to average assets | 0.4159% | 5,154 |
| Noninterest expense to average assets | 2.3112% | 6,728 |
| Loan and lease loss provision to assets | 0.1188% | 5,943 |
| Net operating income to assets | 1.9904% | 304 |
| Return on assets (ROA) | 1.9904% | 336 |
| Pretax return on assets | 2.0854% | 453 |
| Return on Equity (ROE) | 20.6323% | 296 |
| Retained earnings to average equity (ytd only) | 12.8105% | 347 |
| Net charge-offs to loans | -0.0229% | 7,723 |
| Credit loss provision to net charge-offs | -571.4286% | 7,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1842% | 7,577 |
| Assets per employee ($millions) | 4.4874% | 2,793 |
| Cash dividends to net income (ytd only)* | 37.9104% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,934 |
| Loan loss allowance to noncurrent loans | 1,643.1373% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 7,393 |
| Noncurrent loans to loans | 0.0828% | 7,319 |
| Net loans and leases to total assets | 90.3106% | 116 |
| Net loans and leases to deposits | 111.9523% | 478 |
| Net loans and leases to core deposits | 130.0355% | 1,555 |
| Total domestic deposits to total assets | 80.6688% | 5,206 |
| Equity capital to assets | 9.9315% | 4,045 |
| Core capital (leverage) ratio | 9.9352% | 3,365 |
| Tier 1 risk-based capital ratio | 10.8992% | 5,983 |
| Total risk-based capital ratio | 12.1513% | 5,922 |
| Memoranda: | ||
| Average total assets | $67,324,330 | 6,179 |
| Average earning assets | $63,383,000 | 6,099 |
| Average equity | $6,494,670 | 6,535 |
| Average total loans | $61,230,330 | 5,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1744% | 1,673 |
| Cost of funding earning assets | 1.9232% | 4,520 |
| Net interest margin | 4.2512% | 1,743 |
| Noninterest income to average assets | 0.4099% | 5,135 |
| Noninterest expense to average assets | 2.1030% | 7,108 |
| Loan and lease loss provision to assets | 0.1782% | 4,676 |
| Net operating income to assets | 2.0436% | 325 |
| Return on assets (ROA) | 2.0436% | 368 |
| Pretax return on assets | 2.1209% | 517 |
| Return on Equity (ROE) | 21.5017% | 329 |
| Retained earnings to average equity (ytd only) | 16.2513% | 321 |
| Net charge-offs to loans | -0.0328% | 7,579 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7733% | 7,739 |
| Assets per employee ($millions) | 4.5078% | 2,705 |
| Cash dividends to net income (ytd only)* | 24.4186% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 3,806 |
| Loan loss allowance to noncurrent loans | 6,883.3333% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,581 |
| Noncurrent loans to loans | 0.0196% | 7,503 |
| Net loans and leases to total assets | 89.3592% | 172 |
| Net loans and leases to deposits | 114.8533% | 414 |
| Net loans and leases to core deposits | 128.1403% | 1,776 |
| Total domestic deposits to total assets | 77.8029% | 6,079 |
| Equity capital to assets | 9.6559% | 4,448 |
| Core capital (leverage) ratio | 9.7153% | 3,734 |
| Tier 1 risk-based capital ratio | 10.7427% | 6,149 |
| Total risk-based capital ratio | 11.9932% | 6,052 |
| Memoranda: | ||
| Average total assets | $67,331,000 | 6,204 |
| Average earning assets | $63,228,500 | 6,137 |
| Average equity | $6,399,500 | 6,612 |
| Average total loans | $61,032,000 | 5,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8422% | 1,547 |
| Cost of funding earning assets | 2.7781% | 2,794 |
| Net interest margin | 4.0641% | 2,854 |
| Noninterest income to average assets | 0.3709% | 5,734 |
| Noninterest expense to average assets | 2.1725% | 7,045 |
| Loan and lease loss provision to assets | 0.1817% | 5,081 |
| Net operating income to assets | 1.7228% | 647 |
| Return on assets (ROA) | 1.7228% | 621 |
| Pretax return on assets | 1.8107% | 925 |
| Return on Equity (ROE) | 18.6710% | 479 |
| Retained earnings to average equity (ytd only) | 4.4627% | 2,350 |
| Net charge-offs to loans | 0.0542% | 6,013 |
| Credit loss provision to net charge-offs | 375.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 41.1250% | 897 |
| Efficiency ratio | 52.1628% | 7,468 |
| Assets per employee ($millions) | 4.4697% | 2,663 |
| Cash dividends to net income (ytd only)* | 76.0984% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 3,778 |
| Loan loss allowance to noncurrent loans | 9,887.5000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 7,573 |
| Noncurrent loans to loans | 0.0132% | 7,489 |
| Net loans and leases to total assets | 89.5294% | 230 |
| Net loans and leases to deposits | 113.3574% | 650 |
| Net loans and leases to core deposits | 126.0976% | 2,155 |
| Total domestic deposits to total assets | 78.9798% | 5,383 |
| Equity capital to assets | 9.3519% | 4,872 |
| Core capital (leverage) ratio | 9.4698% | 4,050 |
| Tier 1 risk-based capital ratio | 10.4424% | 6,272 |
| Total risk-based capital ratio | 11.6934% | 6,148 |
| Memoranda: | ||
| Average total assets | $66,053,600 | 6,159 |
| Average earning assets | $61,661,600 | 6,102 |
| Average equity | $6,095,000 | 6,773 |
| Average total loans | $59,032,600 | 5,313 |