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 | 5.5729% | 1,068 |
| Cost of funding earning assets | 0.8449% | 3,624 |
| Net interest margin | 4.7280% | 462 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.0290% | 1,087 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4426% | 1,130 |
| Return on assets (ROA) | 1.5336% | 930 |
| Pretax return on assets | 1.9197% | 756 |
| Return on Equity (ROE) | 7.8700% | 3,061 |
| Retained earnings to average equity (ytd only) | 3.6090% | 3,090 |
| Net charge-offs to loans | 0.1794% | 596 |
| Credit loss provision to net charge-offs | 103.4483% | 1,806 |
| Earnings coverage of net charge-offs (x) | 19.7845% | 1,890 |
| Efficiency ratio | 61.3831% | 2,927 |
| Assets per employee ($millions) | 8.0579% | 1,401 |
| Cash dividends to net income (ytd only)* | 54.1419% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 468 |
| Loan loss allowance to noncurrent loans | 163.0675% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 784 |
| Noncurrent loans to loans | 1.1476% | 631 |
| Net loans and leases to total assets | 57.6600% | 3,067 |
| Net loans and leases to deposits | 73.0968% | 2,687 |
| Net loans and leases to core deposits | 77.8544% | 2,850 |
| Total domestic deposits to total assets | 78.8800% | 3,626 |
| Equity capital to assets | 19.8456% | 287 |
| Core capital (leverage) ratio | 20.6684% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $120,435,000 | 3,649 |
| Average earning assets | $110,194,400 | 3,646 |
| Average equity | $23,469,200 | 2,598 |
| Average total loans | $64,670,600 | 3,633 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 1,130 |
| Cost of funding earning assets | 0.7731% | 3,597 |
| Net interest margin | 4.6288% | 508 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.8566% | 1,306 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.4646% | 1,199 |
| Return on assets (ROA) | 1.5845% | 954 |
| Pretax return on assets | 2.0510% | 712 |
| Return on Equity (ROE) | 8.1700% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.1690% | 1,896 |
| Net charge-offs to loans | 0.2473% | 359 |
| Credit loss provision to net charge-offs | 76.9231% | 1,770 |
| Earnings coverage of net charge-offs (x) | 15.4188% | 1,964 |
| Efficiency ratio | 58.8316% | 3,107 |
| Assets per employee ($millions) | 8.0691% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 356 |
| Loan loss allowance to noncurrent loans | 154.7080% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 823 |
| Noncurrent loans to loans | 1.3335% | 571 |
| Net loans and leases to total assets | 50.9100% | 3,560 |
| Net loans and leases to deposits | 64.2624% | 3,248 |
| Net loans and leases to core deposits | 69.4092% | 3,237 |
| Total domestic deposits to total assets | 79.2200% | 3,652 |
| Equity capital to assets | 19.2495% | 304 |
| Core capital (leverage) ratio | 21.2650% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $120,326,750 | 3,659 |
| Average earning assets | $110,896,500 | 3,652 |
| Average equity | $23,339,750 | 2,601 |
| Average total loans | $63,083,750 | 3,668 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 1,078 |
| Cost of funding earning assets | 0.6964% | 3,499 |
| Net interest margin | 4.6057% | 519 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.6847% | 1,677 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.5568% | 1,013 |
| Return on assets (ROA) | 1.7370% | 732 |
| Pretax return on assets | 2.2600% | 494 |
| Return on Equity (ROE) | 8.9300% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.9323% | 1,703 |
| Net charge-offs to loans | 0.3769% | 221 |
| Credit loss provision to net charge-offs | 50.4202% | 1,668 |
| Earnings coverage of net charge-offs (x) | 10.7563% | 1,986 |
| Efficiency ratio | 55.7400% | 3,453 |
| Assets per employee ($millions) | 7.4077% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 414 |
| Loan loss allowance to noncurrent loans | 128.3976% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 608 |
| Noncurrent loans to loans | 1.5605% | 416 |
| Net loans and leases to total assets | 52.2400% | 3,393 |
| Net loans and leases to deposits | 66.5964% | 3,029 |
| Net loans and leases to core deposits | 71.7905% | 3,023 |
| Total domestic deposits to total assets | 78.4500% | 3,794 |
| Equity capital to assets | 20.1050% | 281 |
| Core capital (leverage) ratio | 21.1458% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $120,090,000 | 3,676 |
| Average earning assets | $110,862,000 | 3,664 |
| Average equity | $23,353,333 | 2,604 |
| Average total loans | $63,139,667 | 3,672 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 787 |
| Cost of funding earning assets | 0.5806% | 3,440 |
| Net interest margin | 4.7596% | 402 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6573% | 1,782 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.5877% | 1,005 |
| Return on assets (ROA) | 1.9458% | 528 |
| Pretax return on assets | 2.6507% | 304 |
| Return on Equity (ROE) | 10.1700% | 2,738 |
| Retained earnings to average equity (ytd only) | 10.1750% | 1,658 |
| Net charge-offs to loans | 0.7542% | 100 |
| Credit loss provision to net charge-offs | 25.2101% | 1,371 |
| Earnings coverage of net charge-offs (x) | 5.8319% | 1,799 |
| Efficiency ratio | 53.6406% | 3,639 |
| Assets per employee ($millions) | 7.5650% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 467 |
| Loan loss allowance to noncurrent loans | 117.1564% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 521 |
| Noncurrent loans to loans | 1.6807% | 369 |
| Net loans and leases to total assets | 50.8400% | 3,431 |
| Net loans and leases to deposits | 64.3116% | 3,060 |
| Net loans and leases to core deposits | 69.7372% | 2,972 |
| Total domestic deposits to total assets | 79.0500% | 3,894 |
| Equity capital to assets | 19.4812% | 254 |
| Core capital (leverage) ratio | 19.9738% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $120,873,500 | 3,714 |
| Average earning assets | $111,606,000 | 3,700 |
| Average equity | $23,115,500 | 2,642 |
| Average total loans | $63,116,500 | 3,710 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 533 |
| Cost of funding earning assets | 0.3118% | 2,782 |
| Net interest margin | 4.3648% | 372 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.4939% | 2,135 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.6186% | 658 |
| Return on assets (ROA) | 1.7361% | 479 |
| Pretax return on assets | 2.1264% | 360 |
| Return on Equity (ROE) | 10.0300% | 2,796 |
| Retained earnings to average equity (ytd only) | 10.0349% | 1,138 |
| Net charge-offs to loans | 0.2705% | 289 |
| Credit loss provision to net charge-offs | 64.5161% | 1,751 |
| Earnings coverage of net charge-offs (x) | 14.1935% | 2,042 |
| Efficiency ratio | 54.5533% | 3,741 |
| Assets per employee ($millions) | 7.5442% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 368 |
| Loan loss allowance to noncurrent loans | 75.1134% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 221 |
| Noncurrent loans to loans | 2.7796% | 159 |
| Net loans and leases to total assets | 51.4800% | 3,395 |
| Net loans and leases to deposits | 64.5107% | 2,997 |
| Net loans and leases to core deposits | 69.5990% | 2,906 |
| Total domestic deposits to total assets | 79.8000% | 3,905 |
| Equity capital to assets | 18.7653% | 261 |
| Core capital (leverage) ratio | 19.6371% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,069,200 | 3,660 |
| Average earning assets | $116,409,600 | 3,663 |
| Average equity | $21,983,200 | 2,775 |
| Average total loans | $68,771,400 | 3,597 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 1,394 |
| Cost of funding earning assets | 0.2842% | 2,341 |
| Net interest margin | 3.6501% | 1,269 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.3959% | 2,349 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1153% | 2,024 |
| Return on assets (ROA) | 1.2643% | 1,441 |
| Pretax return on assets | 1.6280% | 1,055 |
| Return on Equity (ROE) | 7.4600% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.4560% | 2,206 |
| Net charge-offs to loans | -0.0418% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9865% | 2,980 |
| Assets per employee ($millions) | 7.7241% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1761% | 361 |
| Loan loss allowance to noncurrent loans | 63.8488% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.9047% | 146 |
| Noncurrent loans to loans | 3.4082% | 128 |
| Net loans and leases to total assets | 54.6700% | 3,033 |
| Net loans and leases to deposits | 67.4231% | 2,586 |
| Net loans and leases to core deposits | 71.8543% | 2,493 |
| Total domestic deposits to total assets | 81.0900% | 3,969 |
| Equity capital to assets | 17.2706% | 306 |
| Core capital (leverage) ratio | 18.3156% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $128,659,750 | 3,670 |
| Average earning assets | $117,766,500 | 3,674 |
| Average equity | $21,816,250 | 2,837 |
| Average total loans | $70,152,750 | 3,587 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 2,285 |
| Cost of funding earning assets | 0.2709% | 2,018 |
| Net interest margin | 3.1832% | 2,245 |
| Noninterest income to average assets | 0.5079% | 2,156 |
| Noninterest expense to average assets | 2.1956% | 2,875 |
| Loan and lease loss provision to assets | 0.0921% | 1,077 |
| Net operating income to assets | 0.8738% | 2,689 |
| Return on assets (ROA) | 1.1016% | 1,741 |
| Pretax return on assets | 1.4116% | 1,403 |
| Return on Equity (ROE) | 6.5351% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.5351% | 2,164 |
| Net charge-offs to loans | -0.0142% | 3,743 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3725% | 2,718 |
| Assets per employee ($millions) | 8.2250% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 525 |
| Loan loss allowance to noncurrent loans | 61.0482% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 151 |
| Noncurrent loans to loans | 3.3137% | 144 |
| Net loans and leases to total assets | 57.1566% | 2,623 |
| Net loans and leases to deposits | 70.7384% | 2,134 |
| Net loans and leases to core deposits | 76.0258% | 2,014 |
| Total domestic deposits to total assets | 80.8000% | 4,159 |
| Equity capital to assets | 17.6851% | 241 |
| Core capital (leverage) ratio | 17.9289% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,351,000 | 3,697 |
| Average earning assets | $118,873,333 | 3,712 |
| Average equity | $21,973,667 | 2,896 |
| Average total loans | $70,514,000 | 3,614 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 2,870 |
| Cost of funding earning assets | 0.2644% | 1,983 |
| Net interest margin | 2.8683% | 2,930 |
| Noninterest income to average assets | 0.4603% | 2,355 |
| Noninterest expense to average assets | 2.1518% | 2,975 |
| Loan and lease loss provision to assets | 0.0897% | 921 |
| Net operating income to assets | 0.6348% | 3,277 |
| Return on assets (ROA) | 1.0102% | 1,832 |
| Pretax return on assets | 1.2881% | 1,544 |
| Return on Equity (ROE) | 6.1312% | 3,313 |
| Retained earnings to average equity (ytd only) | 6.1312% | 2,207 |
| Net charge-offs to loans | -0.0172% | 3,837 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4501% | 2,165 |
| Assets per employee ($millions) | 8.7731% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0716% | 549 |
| Loan loss allowance to noncurrent loans | 54.6012% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 146 |
| Noncurrent loans to loans | 3.7941% | 110 |
| Net loans and leases to total assets | 51.1524% | 3,051 |
| Net loans and leases to deposits | 65.5644% | 2,372 |
| Net loans and leases to core deposits | 69.9915% | 2,290 |
| Total domestic deposits to total assets | 78.0185% | 4,405 |
| Equity capital to assets | 16.7876% | 279 |
| Core capital (leverage) ratio | 16.4878% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,839,000 | 3,681 |
| Average earning assets | $121,048,000 | 3,700 |
| Average equity | $22,051,000 | 2,984 |
| Average total loans | $69,784,500 | 3,628 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 1,763 |
| Cost of funding earning assets | 0.3748% | 1,719 |
| Net interest margin | 3.4666% | 1,839 |
| Noninterest income to average assets | 0.6741% | 1,856 |
| Noninterest expense to average assets | 2.3686% | 2,592 |
| Loan and lease loss provision to assets | 0.0915% | 1,362 |
| Net operating income to assets | 1.0334% | 2,548 |
| Return on assets (ROA) | 1.1973% | 1,989 |
| Pretax return on assets | 1.5458% | 1,585 |
| Return on Equity (ROE) | 7.0841% | 3,492 |
| Retained earnings to average equity (ytd only) | 2.5719% | 3,808 |
| Net charge-offs to loans | -0.1692% | 4,683 |
| Credit loss provision to net charge-offs | -89.5522% | 3,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3570% | 2,810 |
| Assets per employee ($millions) | 9.0721% | 898 |
| Cash dividends to net income (ytd only)* | 63.6943% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 645 |
| Loan loss allowance to noncurrent loans | 51.5376% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.9834% | 158 |
| Noncurrent loans to loans | 3.8105% | 118 |
| Net loans and leases to total assets | 51.0277% | 3,171 |
| Net loans and leases to deposits | 64.8641% | 2,609 |
| Net loans and leases to core deposits | 69.0468% | 2,544 |
| Total domestic deposits to total assets | 78.6686% | 4,340 |
| Equity capital to assets | 16.1742% | 363 |
| Core capital (leverage) ratio | 16.0390% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,131,600 | 3,668 |
| Average earning assets | $118,186,000 | 3,705 |
| Average equity | $22,162,400 | 3,048 |
| Average total loans | $79,193,600 | 3,491 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 1,477 |
| Cost of funding earning assets | 0.4014% | 1,685 |
| Net interest margin | 3.6242% | 1,539 |
| Noninterest income to average assets | 0.6518% | 2,003 |
| Noninterest expense to average assets | 2.4327% | 2,337 |
| Loan and lease loss provision to assets | 0.0924% | 1,293 |
| Net operating income to assets | 1.0594% | 2,692 |
| Return on assets (ROA) | 1.2800% | 1,945 |
| Pretax return on assets | 1.6680% | 1,492 |
| Return on Equity (ROE) | 7.4891% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.4891% | 2,230 |
| Net charge-offs to loans | -0.2165% | 4,778 |
| Credit loss provision to net charge-offs | -68.1818% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1558% | 2,668 |
| Assets per employee ($millions) | 9.1004% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 912 |
| Loan loss allowance to noncurrent loans | 47.5674% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.0929% | 172 |
| Noncurrent loans to loans | 3.8025% | 146 |
| Net loans and leases to total assets | 54.0452% | 2,967 |
| Net loans and leases to deposits | 69.2041% | 2,312 |
| Net loans and leases to core deposits | 73.6910% | 2,270 |
| Total domestic deposits to total assets | 78.0955% | 4,416 |
| Equity capital to assets | 16.6637% | 360 |
| Core capital (leverage) ratio | 16.6309% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,894,250 | 3,714 |
| Average earning assets | $116,913,750 | 3,767 |
| Average equity | $22,200,500 | 3,073 |
| Average total loans | $81,284,500 | 3,505 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 1,414 |
| Cost of funding earning assets | 0.4376% | 1,602 |
| Net interest margin | 3.6295% | 1,523 |
| Noninterest income to average assets | 0.6923% | 1,839 |
| Noninterest expense to average assets | 2.4121% | 2,424 |
| Loan and lease loss provision to assets | 0.0940% | 1,335 |
| Net operating income to assets | 1.1794% | 2,264 |
| Return on assets (ROA) | 1.5287% | 1,284 |
| Pretax return on assets | 1.8733% | 1,068 |
| Return on Equity (ROE) | 8.8653% | 3,143 |
| Retained earnings to average equity (ytd only) | 8.8653% | 1,747 |
| Net charge-offs to loans | -0.0672% | 4,488 |
| Credit loss provision to net charge-offs | -214.2857% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0143% | 2,867 |
| Assets per employee ($millions) | 8.6991% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,559 |
| Loan loss allowance to noncurrent loans | 38.9879% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.4079% | 152 |
| Noncurrent loans to loans | 3.8715% | 146 |
| Net loans and leases to total assets | 61.2579% | 2,272 |
| Net loans and leases to deposits | 80.1848% | 1,406 |
| Net loans and leases to core deposits | 85.7181% | 1,440 |
| Total domestic deposits to total assets | 76.3959% | 4,539 |
| Equity capital to assets | 17.2494% | 311 |
| Core capital (leverage) ratio | 17.2104% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,690,333 | 3,753 |
| Average earning assets | $114,727,667 | 3,802 |
| Average equity | $22,018,333 | 3,083 |
| Average total loans | $83,334,667 | 3,493 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 1,224 |
| Cost of funding earning assets | 0.4627% | 1,635 |
| Net interest margin | 3.7226% | 1,284 |
| Noninterest income to average assets | 0.5606% | 2,369 |
| Noninterest expense to average assets | 2.2044% | 3,099 |
| Loan and lease loss provision to assets | 0.0950% | 1,409 |
| Net operating income to assets | 1.2511% | 1,975 |
| Return on assets (ROA) | 1.2511% | 2,055 |
| Pretax return on assets | 1.5995% | 1,726 |
| Return on Equity (ROE) | 7.2565% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.2565% | 2,494 |
| Net charge-offs to loans | -0.0142% | 3,836 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5394% | 3,488 |
| Assets per employee ($millions) | 8.1444% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,201 |
| Loan loss allowance to noncurrent loans | 37.7785% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.6606% | 136 |
| Noncurrent loans to loans | 3.5707% | 180 |
| Net loans and leases to total assets | 65.6606% | 1,837 |
| Net loans and leases to deposits | 84.6848% | 1,077 |
| Net loans and leases to core deposits | 90.4347% | 1,201 |
| Total domestic deposits to total assets | 77.5353% | 4,474 |
| Equity capital to assets | 16.8374% | 327 |
| Core capital (leverage) ratio | 17.1040% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,292,500 | 3,780 |
| Average earning assets | $113,254,500 | 3,823 |
| Average equity | $21,773,500 | 3,096 |
| Average total loans | $84,423,000 | 3,490 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,039 |
| Cost of funding earning assets | 0.6256% | 2,152 |
| Net interest margin | 3.6100% | 2,111 |
| Noninterest income to average assets | 0.7739% | 1,612 |
| Noninterest expense to average assets | 2.6346% | 2,439 |
| Loan and lease loss provision to assets | 0.1525% | 2,467 |
| Net operating income to assets | 1.0169% | 2,230 |
| Return on assets (ROA) | 1.0371% | 2,292 |
| Pretax return on assets | 1.3012% | 1,973 |
| Return on Equity (ROE) | 5.8166% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.8390% | 2,350 |
| Net charge-offs to loans | 0.0013% | 3,378 |
| Credit loss provision to net charge-offs | 17,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 1,639.0000% | 68 |
| Efficiency ratio | 64.8434% | 2,697 |
| Assets per employee ($millions) | 8.1516% | 984 |
| Cash dividends to net income (ytd only)* | 16.8067% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,026 |
| Loan loss allowance to noncurrent loans | 35.7772% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.9017% | 133 |
| Noncurrent loans to loans | 3.8703% | 152 |
| Net loans and leases to total assets | 66.2250% | 2,071 |
| Net loans and leases to deposits | 86.7761% | 1,192 |
| Net loans and leases to core deposits | 93.7765% | 1,260 |
| Total domestic deposits to total assets | 76.3171% | 4,488 |
| Equity capital to assets | 17.6702% | 291 |
| Core capital (leverage) ratio | 17.3966% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,743,000 | 3,812 |
| Average earning assets | $104,542,800 | 3,841 |
| Average equity | $20,458,800 | 3,143 |
| Average total loans | $78,503,000 | 3,581 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 2,471 |
| Cost of funding earning assets | 0.6620% | 2,252 |
| Net interest margin | 3.5062% | 2,570 |
| Noninterest income to average assets | 0.7915% | 1,531 |
| Noninterest expense to average assets | 2.5955% | 2,540 |
| Loan and lease loss provision to assets | 0.1710% | 2,286 |
| Net operating income to assets | 0.9417% | 2,556 |
| Return on assets (ROA) | 0.9687% | 2,589 |
| Pretax return on assets | 1.2688% | 2,161 |
| Return on Equity (ROE) | 5.4199% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.0980% | 2,996 |
| Net charge-offs to loans | -0.0034% | 3,975 |
| Credit loss provision to net charge-offs | -7,250.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8657% | 2,618 |
| Assets per employee ($millions) | 7.5511% | 1,180 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,916 |
| Loan loss allowance to noncurrent loans | 31.6149% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 3.2123% | 128 |
| Noncurrent loans to loans | 4.2981% | 145 |
| Net loans and leases to total assets | 66.6937% | 2,424 |
| Net loans and leases to deposits | 87.4138% | 1,548 |
| Net loans and leases to core deposits | 94.8858% | 1,553 |
| Total domestic deposits to total assets | 76.2966% | 4,395 |
| Equity capital to assets | 17.5893% | 331 |
| Core capital (leverage) ratio | 17.3108% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,860,250 | 3,837 |
| Average earning assets | $103,317,750 | 3,854 |
| Average equity | $20,172,000 | 3,166 |
| Average total loans | $77,600,500 | 3,616 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,747 |
| Cost of funding earning assets | 0.7075% | 2,339 |
| Net interest margin | 3.4964% | 2,797 |
| Noninterest income to average assets | 0.8076% | 1,411 |
| Noninterest expense to average assets | 2.6024% | 2,658 |
| Loan and lease loss provision to assets | 0.1089% | 2,920 |
| Net operating income to assets | 1.0019% | 2,324 |
| Return on assets (ROA) | 1.0435% | 2,305 |
| Pretax return on assets | 1.3774% | 1,777 |
| Return on Equity (ROE) | 5.8045% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.7855% | 3,018 |
| Net charge-offs to loans | -0.0052% | 4,026 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4784% | 2,750 |
| Assets per employee ($millions) | 7.6955% | 1,089 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,290 |
| Loan loss allowance to noncurrent loans | 29.4540% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.1268% | 144 |
| Noncurrent loans to loans | 4.2216% | 151 |
| Net loans and leases to total assets | 66.1174% | 2,612 |
| Net loans and leases to deposits | 84.9222% | 1,898 |
| Net loans and leases to core deposits | 92.2043% | 1,884 |
| Total domestic deposits to total assets | 77.8564% | 4,206 |
| Equity capital to assets | 16.3610% | 427 |
| Core capital (leverage) ratio | 16.9397% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2871% | 356 |
| Memoranda: | ||
| Average total assets | $110,207,667 | 3,865 |
| Average earning assets | $101,762,333 | 3,866 |
| Average equity | $19,812,333 | 3,192 |
| Average total loans | $76,238,000 | 3,643 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 2,008 |
| Cost of funding earning assets | 0.7631% | 2,593 |
| Net interest margin | 3.8322% | 1,867 |
| Noninterest income to average assets | 0.6516% | 1,826 |
| Noninterest expense to average assets | 2.6680% | 2,790 |
| Loan and lease loss provision to assets | 0.1157% | 2,237 |
| Net operating income to assets | 1.0953% | 1,857 |
| Return on assets (ROA) | 1.1836% | 1,691 |
| Pretax return on assets | 1.5615% | 1,153 |
| Return on Equity (ROE) | 6.2506% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.1786% | 3,378 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0237% | 3,368 |
| Assets per employee ($millions) | 6.4814% | 1,354 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,781 |
| Loan loss allowance to noncurrent loans | 34.2887% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 3.1494% | 178 |
| Noncurrent loans to loans | 4.0194% | 193 |
| Net loans and leases to total assets | 68.5213% | 2,465 |
| Net loans and leases to deposits | 87.7227% | 1,776 |
| Net loans and leases to core deposits | 96.3851% | 1,757 |
| Total domestic deposits to total assets | 78.1113% | 4,201 |
| Equity capital to assets | 19.0189% | 286 |
| Core capital (leverage) ratio | 18.5625% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2024% | 432 |
| Memoranda: | ||
| Average total assets | $103,747,500 | 3,936 |
| Average earning assets | $96,968,000 | 3,911 |
| Average equity | $19,646,000 | 3,201 |
| Average total loans | $73,140,000 | 3,699 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 1,468 |
| Cost of funding earning assets | 0.7023% | 3,149 |
| Net interest margin | 4.3020% | 1,086 |
| Noninterest income to average assets | 0.7727% | 1,536 |
| Noninterest expense to average assets | 3.1018% | 1,752 |
| Loan and lease loss provision to assets | 0.1193% | 1,777 |
| Net operating income to assets | 1.2789% | 1,775 |
| Return on assets (ROA) | 1.2789% | 1,850 |
| Pretax return on assets | 1.5783% | 1,550 |
| Return on Equity (ROE) | 6.8475% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.8475% | 1,452 |
| Net charge-offs to loans | -0.0041% | 4,311 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6291% | 2,985 |
| Assets per employee ($millions) | 6.4871% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 1,935 |
| Loan loss allowance to noncurrent loans | 35.6139% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.9617% | 181 |
| Noncurrent loans to loans | 3.6428% | 218 |
| Net loans and leases to total assets | 70.5886% | 2,304 |
| Net loans and leases to deposits | 90.2546% | 1,559 |
| Net loans and leases to core deposits | 99.0523% | 1,642 |
| Total domestic deposits to total assets | 78.2105% | 4,325 |
| Equity capital to assets | 18.8539% | 308 |
| Core capital (leverage) ratio | 18.3191% | 316 |
| Tier 1 risk-based capital ratio | 23.4326% | 874 |
| Total risk-based capital ratio | 24.5875% | 866 |
| Memoranda: | ||
| Average total assets | $100,554,200 | 3,993 |
| Average earning assets | $94,120,000 | 3,966 |
| Average equity | $18,780,600 | 3,251 |
| Average total loans | $72,446,600 | 3,726 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 1,816 |
| Cost of funding earning assets | 0.6702% | 3,353 |
| Net interest margin | 4.2312% | 1,304 |
| Noninterest income to average assets | 0.7058% | 1,756 |
| Noninterest expense to average assets | 3.1092% | 1,695 |
| Loan and lease loss provision to assets | 0.1203% | 1,626 |
| Net operating income to assets | 1.1723% | 2,296 |
| Return on assets (ROA) | 1.1723% | 2,378 |
| Pretax return on assets | 1.4343% | 2,178 |
| Return on Equity (ROE) | 6.2921% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.2921% | 2,229 |
| Net charge-offs to loans | -0.0056% | 4,231 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,644 |
| Assets per employee ($millions) | 6.5176% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,304 |
| Loan loss allowance to noncurrent loans | 33.6823% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.0887% | 176 |
| Noncurrent loans to loans | 3.6722% | 208 |
| Net loans and leases to total assets | 71.4390% | 2,257 |
| Net loans and leases to deposits | 92.4327% | 1,383 |
| Net loans and leases to core deposits | 102.2510% | 1,475 |
| Total domestic deposits to total assets | 77.2875% | 4,477 |
| Equity capital to assets | 18.3972% | 361 |
| Core capital (leverage) ratio | 18.2898% | 332 |
| Tier 1 risk-based capital ratio | 22.6416% | 992 |
| Total risk-based capital ratio | 23.7458% | 979 |
| Memoranda: | ||
| Average total assets | $99,744,500 | 4,048 |
| Average earning assets | $93,305,500 | 4,028 |
| Average equity | $18,583,500 | 3,290 |
| Average total loans | $72,001,000 | 3,780 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 1,943 |
| Cost of funding earning assets | 0.6200% | 3,554 |
| Net interest margin | 4.2179% | 1,318 |
| Noninterest income to average assets | 0.6882% | 1,764 |
| Noninterest expense to average assets | 2.9237% | 2,215 |
| Loan and lease loss provision to assets | 0.1222% | 1,530 |
| Net operating income to assets | 1.2623% | 1,905 |
| Return on assets (ROA) | 1.2623% | 1,975 |
| Pretax return on assets | 1.5901% | 1,576 |
| Return on Equity (ROE) | 6.7454% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.7454% | 1,929 |
| Net charge-offs to loans | -0.0113% | 4,359 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0654% | 3,276 |
| Assets per employee ($millions) | 6.4444% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,604 |
| Loan loss allowance to noncurrent loans | 33.8958% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 3.0249% | 196 |
| Noncurrent loans to loans | 3.4973% | 239 |
| Net loans and leases to total assets | 73.0805% | 2,043 |
| Net loans and leases to deposits | 96.1921% | 1,014 |
| Net loans and leases to core deposits | 106.2311% | 1,231 |
| Total domestic deposits to total assets | 75.9735% | 4,673 |
| Equity capital to assets | 18.2735% | 351 |
| Core capital (leverage) ratio | 19.2340% | 264 |
| Tier 1 risk-based capital ratio | 22.0183% | 1,049 |
| Total risk-based capital ratio | 23.0730% | 1,050 |
| Memoranda: | ||
| Average total assets | $98,232,000 | 4,095 |
| Average earning assets | $91,942,000 | 4,074 |
| Average equity | $18,383,000 | 3,306 |
| Average total loans | $70,857,670 | 3,819 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 2,093 |
| Cost of funding earning assets | 0.6021% | 3,560 |
| Net interest margin | 4.1344% | 1,468 |
| Noninterest income to average assets | 0.5846% | 2,119 |
| Noninterest expense to average assets | 2.7935% | 2,592 |
| Loan and lease loss provision to assets | 0.1253% | 1,402 |
| Net operating income to assets | 1.2903% | 1,735 |
| Return on assets (ROA) | 1.2903% | 1,776 |
| Pretax return on assets | 1.5367% | 1,657 |
| Return on Equity (ROE) | 6.8086% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.8086% | 2,116 |
| Net charge-offs to loans | -0.0704% | 4,933 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6992% | 3,429 |
| Assets per employee ($millions) | 6.0166% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,193 |
| Loan loss allowance to noncurrent loans | 25.1712% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 3.7241% | 132 |
| Noncurrent loans to loans | 5.0782% | 110 |
| Net loans and leases to total assets | 70.7620% | 2,371 |
| Net loans and leases to deposits | 89.7708% | 1,661 |
| Net loans and leases to core deposits | 98.6531% | 1,731 |
| Total domestic deposits to total assets | 78.8251% | 4,380 |
| Equity capital to assets | 19.1201% | 275 |
| Core capital (leverage) ratio | 19.1141% | 273 |
| Tier 1 risk-based capital ratio | 23.5942% | 873 |
| Total risk-based capital ratio | 24.7153% | 865 |
| Memoranda: | ||
| Average total assets | $95,792,500 | 4,174 |
| Average earning assets | $89,687,500 | 4,151 |
| Average equity | $18,153,500 | 3,340 |
| Average total loans | $68,157,500 | 3,913 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 2,253 |
| Cost of funding earning assets | 0.5173% | 3,241 |
| Net interest margin | 4.0439% | 1,849 |
| Noninterest income to average assets | 0.8036% | 1,435 |
| Noninterest expense to average assets | 2.9654% | 2,149 |
| Loan and lease loss provision to assets | 0.2120% | 873 |
| Net operating income to assets | 1.1016% | 2,590 |
| Return on assets (ROA) | 1.1016% | 2,587 |
| Pretax return on assets | 1.3974% | 2,144 |
| Return on Equity (ROE) | 5.9952% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.9952% | 2,196 |
| Net charge-offs to loans | 1.1705% | 110 |
| Credit loss provision to net charge-offs | 26.2812% | 3,372 |
| Earnings coverage of net charge-offs (x) | 1.9947% | 3,566 |
| Efficiency ratio | 64.8204% | 3,060 |
| Assets per employee ($millions) | 5.6071% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,309 |
| Loan loss allowance to noncurrent loans | 27.1933% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 3.3256% | 169 |
| Noncurrent loans to loans | 4.5889% | 133 |
| Net loans and leases to total assets | 69.7377% | 2,605 |
| Net loans and leases to deposits | 88.9582% | 1,934 |
| Net loans and leases to core deposits | 97.4606% | 1,915 |
| Total domestic deposits to total assets | 78.3938% | 4,425 |
| Equity capital to assets | 18.7799% | 285 |
| Core capital (leverage) ratio | 18.9005% | 266 |
| Tier 1 risk-based capital ratio | 23.0889% | 913 |
| Total risk-based capital ratio | 24.1513% | 897 |
| Memoranda: | ||
| Average total assets | $94,321,200 | 4,194 |
| Average earning assets | $87,960,000 | 4,184 |
| Average equity | $17,330,600 | 3,358 |
| Average total loans | $65,017,600 | 3,986 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 2,722 |
| Cost of funding earning assets | 0.5015% | 3,187 |
| Net interest margin | 3.8708% | 2,403 |
| Noninterest income to average assets | 0.8065% | 1,452 |
| Noninterest expense to average assets | 3.3307% | 1,234 |
| Loan and lease loss provision to assets | 0.2041% | 839 |
| Net operating income to assets | 0.7724% | 4,000 |
| Return on assets (ROA) | 0.7724% | 4,008 |
| Pretax return on assets | 0.8816% | 4,082 |
| Return on Equity (ROE) | 4.2277% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.2277% | 3,661 |
| Net charge-offs to loans | 1.5848% | 76 |
| Credit loss provision to net charge-offs | 18.7990% | 3,024 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,382 |
| Efficiency ratio | 75.4172% | 1,416 |
| Assets per employee ($millions) | 5.6750% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,762 |
| Loan loss allowance to noncurrent loans | 24.7145% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 3.3822% | 183 |
| Noncurrent loans to loans | 4.7582% | 137 |
| Net loans and leases to total assets | 67.8570% | 2,966 |
| Net loans and leases to deposits | 84.4503% | 2,542 |
| Net loans and leases to core deposits | 91.8755% | 2,493 |
| Total domestic deposits to total assets | 80.3514% | 4,029 |
| Equity capital to assets | 17.8979% | 340 |
| Core capital (leverage) ratio | 18.5450% | 291 |
| Tier 1 risk-based capital ratio | 23.0678% | 931 |
| Total risk-based capital ratio | 24.0795% | 930 |
| Memoranda: | ||
| Average total assets | $94,071,500 | 4,238 |
| Average earning assets | $87,732,250 | 4,230 |
| Average equity | $17,188,000 | 3,408 |
| Average total loans | $64,443,500 | 4,033 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 3,057 |
| Cost of funding earning assets | 0.4874% | 3,110 |
| Net interest margin | 3.7316% | 2,819 |
| Noninterest income to average assets | 0.8556% | 1,303 |
| Noninterest expense to average assets | 2.8005% | 2,657 |
| Loan and lease loss provision to assets | 0.1908% | 912 |
| Net operating income to assets | 1.0957% | 2,600 |
| Return on assets (ROA) | 1.0957% | 2,607 |
| Pretax return on assets | 1.3445% | 2,344 |
| Return on Equity (ROE) | 5.9551% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.9551% | 2,583 |
| Net charge-offs to loans | -0.0157% | 4,474 |
| Credit loss provision to net charge-offs | -1,780.0000% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5895% | 3,234 |
| Assets per employee ($millions) | 5.5770% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3455% | 295 |
| Loan loss allowance to noncurrent loans | 30.8375% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 5.2347% | 83 |
| Noncurrent loans to loans | 7.6061% | 48 |
| Net loans and leases to total assets | 65.6509% | 3,197 |
| Net loans and leases to deposits | 82.2765% | 2,741 |
| Net loans and leases to core deposits | 89.8907% | 2,581 |
| Total domestic deposits to total assets | 79.7931% | 4,282 |
| Equity capital to assets | 18.2746% | 304 |
| Core capital (leverage) ratio | 18.9343% | 270 |
| Tier 1 risk-based capital ratio | 24.0428% | 832 |
| Total risk-based capital ratio | 25.3023% | 798 |
| Memoranda: | ||
| Average total assets | $93,270,330 | 4,291 |
| Average earning assets | $86,986,670 | 4,277 |
| Average equity | $17,161,670 | 3,426 |
| Average total loans | $63,843,330 | 4,072 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,946 |
| Cost of funding earning assets | 0.4552% | 3,170 |
| Net interest margin | 3.7250% | 2,705 |
| Noninterest income to average assets | 0.8822% | 1,194 |
| Noninterest expense to average assets | 2.6162% | 3,289 |
| Loan and lease loss provision to assets | 0.1081% | 1,728 |
| Net operating income to assets | 1.3276% | 1,554 |
| Return on assets (ROA) | 1.3276% | 1,561 |
| Pretax return on assets | 1.6259% | 1,311 |
| Return on Equity (ROE) | 7.1899% | 3,706 |
| Retained earnings to average equity (ytd only) | 7.1899% | 2,188 |
| Net charge-offs to loans | -0.0313% | 4,765 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1392% | 4,044 |
| Assets per employee ($millions) | 5.4430% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 320 |
| Loan loss allowance to noncurrent loans | 25.8770% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 6.1007% | 63 |
| Noncurrent loans to loans | 8.9268% | 37 |
| Net loans and leases to total assets | 65.4019% | 3,125 |
| Net loans and leases to deposits | 82.2611% | 2,569 |
| Net loans and leases to core deposits | 88.7997% | 2,563 |
| Total domestic deposits to total assets | 79.5052% | 4,491 |
| Equity capital to assets | 18.5311% | 282 |
| Core capital (leverage) ratio | 18.5144% | 286 |
| Tier 1 risk-based capital ratio | 24.3608% | 808 |
| Total risk-based capital ratio | 25.6197% | 784 |
| Memoranda: | ||
| Average total assets | $92,501,000 | 4,359 |
| Average earning assets | $86,121,500 | 4,343 |
| Average equity | $17,079,500 | 3,463 |
| Average total loans | $63,896,000 | 4,105 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,414 |
| Cost of funding earning assets | 0.4088% | 3,176 |
| Net interest margin | 3.8657% | 2,202 |
| Noninterest income to average assets | 0.7777% | 1,652 |
| Noninterest expense to average assets | 3.0172% | 2,121 |
| Loan and lease loss provision to assets | 0.3686% | 410 |
| Net operating income to assets | 0.7231% | 3,504 |
| Return on assets (ROA) | 0.8149% | 3,137 |
| Pretax return on assets | 1.1079% | 3,158 |
| Return on Equity (ROE) | 4.3103% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.3103% | 2,572 |
| Net charge-offs to loans | 0.2437% | 1,069 |
| Credit loss provision to net charge-offs | 213.7255% | 1,280 |
| Earnings coverage of net charge-offs (x) | 7.8431% | 2,985 |
| Efficiency ratio | 69.0482% | 2,689 |
| Assets per employee ($millions) | 5.4395% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 429 |
| Loan loss allowance to noncurrent loans | 24.8845% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 6.2333% | 59 |
| Noncurrent loans to loans | 8.5505% | 37 |
| Net loans and leases to total assets | 69.6900% | 2,567 |
| Net loans and leases to deposits | 87.5787% | 2,069 |
| Net loans and leases to core deposits | 93.6399% | 2,225 |
| Total domestic deposits to total assets | 79.5741% | 4,427 |
| Equity capital to assets | 18.3971% | 284 |
| Core capital (leverage) ratio | 18.8200% | 245 |
| Tier 1 risk-based capital ratio | 23.1718% | 891 |
| Total risk-based capital ratio | 24.4297% | 874 |
| Memoranda: | ||
| Average total assets | $88,726,000 | 4,448 |
| Average earning assets | $82,443,400 | 4,429 |
| Average equity | $16,773,600 | 3,505 |
| Average total loans | $62,775,200 | 4,135 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 2,558 |
| Cost of funding earning assets | 0.3989% | 3,204 |
| Net interest margin | 3.8158% | 2,341 |
| Noninterest income to average assets | 0.7989% | 1,599 |
| Noninterest expense to average assets | 3.0542% | 1,940 |
| Loan and lease loss provision to assets | 0.4587% | 279 |
| Net operating income to assets | 0.7105% | 3,921 |
| Return on assets (ROA) | 0.8581% | 3,286 |
| Pretax return on assets | 1.0024% | 3,682 |
| Return on Equity (ROE) | 4.5071% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.5071% | 3,222 |
| Net charge-offs to loans | 0.3419% | 613 |
| Credit loss provision to net charge-offs | 189.9371% | 1,397 |
| Earnings coverage of net charge-offs (x) | 5.3397% | 3,121 |
| Efficiency ratio | 70.3147% | 2,490 |
| Assets per employee ($millions) | 5.3177% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1746% | 427 |
| Loan loss allowance to noncurrent loans | 24.9545% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 6.2477% | 66 |
| Noncurrent loans to loans | 8.7143% | 34 |
| Net loans and leases to total assets | 68.1740% | 2,823 |
| Net loans and leases to deposits | 85.7055% | 2,335 |
| Net loans and leases to core deposits | 90.7324% | 2,549 |
| Total domestic deposits to total assets | 79.5445% | 4,424 |
| Equity capital to assets | 18.7465% | 283 |
| Core capital (leverage) ratio | 18.5980% | 271 |
| Tier 1 risk-based capital ratio | 23.8161% | 865 |
| Total risk-based capital ratio | 25.0744% | 849 |
| Memoranda: | ||
| Average total assets | $87,789,750 | 4,509 |
| Average earning assets | $81,554,250 | 4,482 |
| Average equity | $16,714,000 | 3,544 |
| Average total loans | $62,008,000 | 4,192 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 2,496 |
| Cost of funding earning assets | 0.3734% | 3,352 |
| Net interest margin | 3.8205% | 2,207 |
| Noninterest income to average assets | 0.7915% | 1,602 |
| Noninterest expense to average assets | 2.6668% | 3,210 |
| Loan and lease loss provision to assets | 0.2922% | 533 |
| Net operating income to assets | 1.0469% | 2,220 |
| Return on assets (ROA) | 1.2402% | 1,501 |
| Pretax return on assets | 1.6452% | 1,209 |
| Return on Equity (ROE) | 6.4798% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.4798% | 1,859 |
| Net charge-offs to loans | 0.0259% | 2,696 |
| Credit loss provision to net charge-offs | 1,587.5000% | 259 |
| Earnings coverage of net charge-offs (x) | 91.2500% | 694 |
| Efficiency ratio | 61.3552% | 4,110 |
| Assets per employee ($millions) | 5.4939% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1321% | 481 |
| Loan loss allowance to noncurrent loans | 20.7812% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 7.5152% | 50 |
| Noncurrent loans to loans | 10.2598% | 22 |
| Net loans and leases to total assets | 70.2874% | 2,483 |
| Net loans and leases to deposits | 89.2678% | 1,832 |
| Net loans and leases to core deposits | 94.9690% | 2,070 |
| Total domestic deposits to total assets | 78.7377% | 4,685 |
| Equity capital to assets | 19.2692% | 253 |
| Core capital (leverage) ratio | 19.6126% | 213 |
| Tier 1 risk-based capital ratio | 23.7873% | 876 |
| Total risk-based capital ratio | 25.0457% | 857 |
| Memoranda: | ||
| Average total assets | $86,919,330 | 4,543 |
| Average earning assets | $80,879,330 | 4,521 |
| Average equity | $16,636,330 | 3,566 |
| Average total loans | $61,677,330 | 4,212 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 1,987 |
| Cost of funding earning assets | 0.3731% | 3,275 |
| Net interest margin | 3.9150% | 1,726 |
| Noninterest income to average assets | 0.7451% | 1,764 |
| Noninterest expense to average assets | 2.6473% | 3,312 |
| Loan and lease loss provision to assets | 0.4721% | 221 |
| Net operating income to assets | 1.0033% | 2,289 |
| Return on assets (ROA) | 1.4347% | 954 |
| Pretax return on assets | 1.8142% | 766 |
| Return on Equity (ROE) | 7.5218% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.5218% | 1,644 |
| Net charge-offs to loans | 0.0525% | 1,818 |
| Credit loss provision to net charge-offs | 1,275.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 936 |
| Efficiency ratio | 60.3376% | 4,414 |
| Assets per employee ($millions) | 5.1336% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 500 |
| Loan loss allowance to noncurrent loans | 26.4359% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 5.8472% | 87 |
| Noncurrent loans to loans | 8.1964% | 59 |
| Net loans and leases to total assets | 68.3438% | 2,622 |
| Net loans and leases to deposits | 86.6971% | 1,951 |
| Net loans and leases to core deposits | 90.0315% | 2,340 |
| Total domestic deposits to total assets | 78.8306% | 4,857 |
| Equity capital to assets | 19.0600% | 242 |
| Core capital (leverage) ratio | 18.8776% | 240 |
| Tier 1 risk-based capital ratio | 23.9191% | 876 |
| Total risk-based capital ratio | 25.1804% | 859 |
| Memoranda: | ||
| Average total assets | $86,428,000 | 4,595 |
| Average earning assets | $80,408,000 | 4,576 |
| Average equity | $16,485,500 | 3,604 |
| Average total loans | $60,951,000 | 4,275 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 1,662 |
| Cost of funding earning assets | 0.3254% | 3,794 |
| Net interest margin | 4.1316% | 1,305 |
| Noninterest income to average assets | 0.9905% | 1,174 |
| Noninterest expense to average assets | 3.3984% | 1,362 |
| Loan and lease loss provision to assets | 0.1186% | 2,090 |
| Net operating income to assets | 0.9145% | 2,751 |
| Return on assets (ROA) | 0.9727% | 2,583 |
| Pretax return on assets | 1.3819% | 2,007 |
| Return on Equity (ROE) | 5.0797% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.0797% | 2,296 |
| Net charge-offs to loans | 0.3745% | 724 |
| Credit loss provision to net charge-offs | 44.6429% | 3,447 |
| Earnings coverage of net charge-offs (x) | 5.3348% | 3,356 |
| Efficiency ratio | 70.5665% | 2,819 |
| Assets per employee ($millions) | 5.0344% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 640 |
| Loan loss allowance to noncurrent loans | 23.4743% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 6.2313% | 85 |
| Noncurrent loans to loans | 8.5779% | 46 |
| Net loans and leases to total assets | 69.7665% | 2,518 |
| Net loans and leases to deposits | 91.1365% | 1,554 |
| Net loans and leases to core deposits | 93.9974% | 2,109 |
| Total domestic deposits to total assets | 76.5517% | 5,174 |
| Equity capital to assets | 19.0888% | 240 |
| Core capital (leverage) ratio | 19.0039% | 232 |
| Tier 1 risk-based capital ratio | 23.5184% | 914 |
| Total risk-based capital ratio | 24.8514% | 894 |
| Memoranda: | ||
| Average total assets | $84,303,800 | 4,642 |
| Average earning assets | $78,057,400 | 4,627 |
| Average equity | $16,142,600 | 3,675 |
| Average total loans | $59,817,600 | 4,303 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 1,597 |
| Cost of funding earning assets | 0.3194% | 3,877 |
| Net interest margin | 4.1640% | 1,216 |
| Noninterest income to average assets | 1.0145% | 1,116 |
| Noninterest expense to average assets | 3.1466% | 1,910 |
| Loan and lease loss provision to assets | 0.1588% | 1,458 |
| Net operating income to assets | 1.0843% | 2,068 |
| Return on assets (ROA) | 1.0843% | 2,165 |
| Pretax return on assets | 1.5590% | 1,501 |
| Return on Equity (ROE) | 5.6583% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.6583% | 2,391 |
| Net charge-offs to loans | 0.4031% | 532 |
| Credit loss provision to net charge-offs | 55.5556% | 2,965 |
| Earnings coverage of net charge-offs (x) | 6.0112% | 3,046 |
| Efficiency ratio | 64.6867% | 3,822 |
| Assets per employee ($millions) | 5.0328% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 613 |
| Loan loss allowance to noncurrent loans | 26.9109% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 5.7026% | 107 |
| Noncurrent loans to loans | 7.7710% | 67 |
| Net loans and leases to total assets | 69.5505% | 2,561 |
| Net loans and leases to deposits | 88.7169% | 1,928 |
| Net loans and leases to core deposits | 90.7353% | 2,507 |
| Total domestic deposits to total assets | 78.3959% | 4,833 |
| Equity capital to assets | 19.2010% | 257 |
| Core capital (leverage) ratio | 18.5004% | 263 |
| Tier 1 risk-based capital ratio | 23.3061% | 967 |
| Total risk-based capital ratio | 24.5969% | 946 |
| Memoranda: | ||
| Average total assets | $83,983,750 | 4,684 |
| Average earning assets | $77,647,000 | 4,675 |
| Average equity | $16,094,000 | 3,713 |
| Average total loans | $59,538,000 | 4,342 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,479 |
| Cost of funding earning assets | 0.3175% | 3,927 |
| Net interest margin | 4.1948% | 1,127 |
| Noninterest income to average assets | 1.0304% | 1,056 |
| Noninterest expense to average assets | 2.9404% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3156% | 1,234 |
| Return on assets (ROA) | 1.3156% | 1,325 |
| Pretax return on assets | 1.9842% | 586 |
| Return on Equity (ROE) | 6.8699% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.8699% | 1,685 |
| Net charge-offs to loans | 0.3383% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.2800% | 2,533 |
| Efficiency ratio | 59.7080% | 4,678 |
| Assets per employee ($millions) | 4.4369% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 595 |
| Loan loss allowance to noncurrent loans | 21.5207% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 7.1185% | 77 |
| Noncurrent loans to loans | 9.9080% | 39 |
| Net loans and leases to total assets | 68.1119% | 2,759 |
| Net loans and leases to deposits | 85.2939% | 2,323 |
| Net loans and leases to core deposits | 87.0539% | 2,808 |
| Total domestic deposits to total assets | 79.8555% | 4,578 |
| Equity capital to assets | 19.4114% | 236 |
| Core capital (leverage) ratio | 18.8705% | 240 |
| Tier 1 risk-based capital ratio | 23.9835% | 904 |
| Total risk-based capital ratio | 25.2992% | 883 |
| Memoranda: | ||
| Average total assets | $83,459,000 | 4,733 |
| Average earning assets | $77,476,330 | 4,716 |
| Average equity | $15,982,670 | 3,734 |
| Average total loans | $59,125,000 | 4,379 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 984 |
| Cost of funding earning assets | 0.3215% | 3,930 |
| Net interest margin | 4.4129% | 719 |
| Noninterest income to average assets | 0.7804% | 1,692 |
| Noninterest expense to average assets | 2.8613% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3488% | 1,135 |
| Return on assets (ROA) | 1.3488% | 1,208 |
| Pretax return on assets | 2.0184% | 543 |
| Return on Equity (ROE) | 7.0922% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.0922% | 1,844 |
| Net charge-offs to loans | 0.1078% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.1875% | 1,277 |
| Efficiency ratio | 58.6377% | 4,922 |
| Assets per employee ($millions) | 4.9135% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 574 |
| Loan loss allowance to noncurrent loans | 28.9714% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 5.7416% | 129 |
| Noncurrent loans to loans | 7.6746% | 79 |
| Net loans and leases to total assets | 70.2825% | 2,293 |
| Net loans and leases to deposits | 88.7832% | 1,726 |
| Net loans and leases to core deposits | 91.3472% | 2,246 |
| Total domestic deposits to total assets | 79.1620% | 4,929 |
| Equity capital to assets | 19.1237% | 249 |
| Core capital (leverage) ratio | 18.4543% | 262 |
| Tier 1 risk-based capital ratio | 23.3256% | 984 |
| Total risk-based capital ratio | 24.6268% | 968 |
| Memoranda: | ||
| Average total assets | $83,038,000 | 4,786 |
| Average earning assets | $77,137,000 | 4,766 |
| Average equity | $15,792,000 | 3,764 |
| Average total loans | $59,352,500 | 4,393 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,726 |
| Cost of funding earning assets | 0.3527% | 3,674 |
| Net interest margin | 4.1033% | 1,407 |
| Noninterest income to average assets | 1.2955% | 720 |
| Noninterest expense to average assets | 3.2940% | 1,731 |
| Loan and lease loss provision to assets | 0.3872% | 364 |
| Net operating income to assets | 0.9859% | 2,444 |
| Return on assets (ROA) | 0.9833% | 2,532 |
| Pretax return on assets | 1.3999% | 1,902 |
| Return on Equity (ROE) | 5.2534% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.2534% | 2,239 |
| Net charge-offs to loans | 1.3043% | 129 |
| Credit loss provision to net charge-offs | 42.2819% | 3,502 |
| Earnings coverage of net charge-offs (x) | 1.9557% | 4,000 |
| Efficiency ratio | 64.7812% | 4,120 |
| Assets per employee ($millions) | 4.5859% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3030% | 508 |
| Loan loss allowance to noncurrent loans | 27.4817% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 6.1760% | 127 |
| Noncurrent loans to loans | 8.3801% | 70 |
| Net loans and leases to total assets | 69.4304% | 2,464 |
| Net loans and leases to deposits | 85.8710% | 2,149 |
| Net loans and leases to core deposits | 88.3259% | 2,572 |
| Total domestic deposits to total assets | 80.8543% | 4,526 |
| Equity capital to assets | 18.9107% | 255 |
| Core capital (leverage) ratio | 18.6935% | 253 |
| Tier 1 risk-based capital ratio | 23.5024% | 955 |
| Total risk-based capital ratio | 24.8040% | 941 |
| Memoranda: | ||
| Average total assets | $81,360,400 | 4,838 |
| Average earning assets | $75,133,800 | 4,827 |
| Average equity | $15,228,200 | 3,803 |
| Average total loans | $57,118,600 | 4,457 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 1,492 |
| Cost of funding earning assets | 0.3620% | 3,634 |
| Net interest margin | 4.1747% | 1,224 |
| Noninterest income to average assets | 0.9194% | 1,402 |
| Noninterest expense to average assets | 3.0165% | 2,467 |
| Loan and lease loss provision to assets | 0.5181% | 195 |
| Net operating income to assets | 0.8653% | 3,108 |
| Return on assets (ROA) | 0.8618% | 3,209 |
| Pretax return on assets | 1.2303% | 2,697 |
| Return on Equity (ROE) | 4.6168% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.6168% | 3,186 |
| Net charge-offs to loans | 1.9483% | 65 |
| Credit loss provision to net charge-offs | 37.9976% | 3,187 |
| Earnings coverage of net charge-offs (x) | 1.2859% | 3,854 |
| Efficiency ratio | 63.2414% | 4,376 |
| Assets per employee ($millions) | 4.3138% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2004% | 661 |
| Loan loss allowance to noncurrent loans | 33.3772% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 4.9755% | 200 |
| Noncurrent loans to loans | 6.5925% | 110 |
| Net loans and leases to total assets | 68.7074% | 2,582 |
| Net loans and leases to deposits | 84.9574% | 2,289 |
| Net loans and leases to core deposits | 86.9970% | 2,749 |
| Total domestic deposits to total assets | 80.8728% | 4,507 |
| Equity capital to assets | 18.8099% | 287 |
| Core capital (leverage) ratio | 18.6256% | 263 |
| Tier 1 risk-based capital ratio | 22.9119% | 1,064 |
| Total risk-based capital ratio | 24.2522% | 1,037 |
| Memoranda: | ||
| Average total assets | $81,064,000 | 4,903 |
| Average earning assets | $74,765,500 | 4,898 |
| Average equity | $15,132,750 | 3,851 |
| Average total loans | $56,732,500 | 4,518 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,447 |
| Cost of funding earning assets | 0.3676% | 3,627 |
| Net interest margin | 4.1642% | 1,191 |
| Noninterest income to average assets | 0.9460% | 1,314 |
| Noninterest expense to average assets | 2.8750% | 2,975 |
| Loan and lease loss provision to assets | 0.7800% | 102 |
| Net operating income to assets | 0.8098% | 3,329 |
| Return on assets (ROA) | 0.8098% | 3,432 |
| Pretax return on assets | 1.1342% | 3,033 |
| Return on Equity (ROE) | 4.3490% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.3490% | 3,248 |
| Net charge-offs to loans | 2.7671% | 43 |
| Credit loss provision to net charge-offs | 40.3329% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.9898% | 3,591 |
| Efficiency ratio | 60.0310% | 4,975 |
| Assets per employee ($millions) | 4.4803% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3432% | 602 |
| Loan loss allowance to noncurrent loans | 32.9326% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 5.3009% | 195 |
| Noncurrent loans to loans | 7.1150% | 114 |
| Net loans and leases to total assets | 67.9587% | 2,650 |
| Net loans and leases to deposits | 84.5393% | 2,248 |
| Net loans and leases to core deposits | 86.7829% | 2,678 |
| Total domestic deposits to total assets | 80.3871% | 4,779 |
| Equity capital to assets | 18.7288% | 280 |
| Core capital (leverage) ratio | 18.0486% | 286 |
| Tier 1 risk-based capital ratio | 23.3608% | 1,028 |
| Total risk-based capital ratio | 24.7076% | 1,004 |
| Memoranda: | ||
| Average total assets | $80,764,670 | 4,961 |
| Average earning assets | $74,540,330 | 4,950 |
| Average equity | $15,038,000 | 3,881 |
| Average total loans | $56,449,670 | 4,563 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 1,219 |
| Cost of funding earning assets | 0.3632% | 3,715 |
| Net interest margin | 4.2354% | 1,003 |
| Noninterest income to average assets | 0.8557% | 1,544 |
| Noninterest expense to average assets | 2.8181% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3869% | 1,052 |
| Return on assets (ROA) | 1.3869% | 1,110 |
| Pretax return on assets | 1.9377% | 667 |
| Return on Equity (ROE) | 7.6283% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.6283% | 1,711 |
| Net charge-offs to loans | -0.2544% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2554% | 5,189 |
| Assets per employee ($millions) | 4.8531% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2146% | 240 |
| Loan loss allowance to noncurrent loans | 52.4993% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 4.5683% | 291 |
| Noncurrent loans to loans | 6.1231% | 175 |
| Net loans and leases to total assets | 66.3091% | 2,723 |
| Net loans and leases to deposits | 82.8266% | 2,230 |
| Net loans and leases to core deposits | 84.9831% | 2,660 |
| Total domestic deposits to total assets | 80.0577% | 5,040 |
| Equity capital to assets | 18.1363% | 323 |
| Core capital (leverage) ratio | 17.6929% | 306 |
| Tier 1 risk-based capital ratio | 22.2783% | 1,201 |
| Total risk-based capital ratio | 23.6304% | 1,169 |
| Memoranda: | ||
| Average total assets | $81,332,500 | 5,002 |
| Average earning assets | $74,892,500 | 4,992 |
| Average equity | $14,787,000 | 3,951 |
| Average total loans | $56,614,000 | 4,585 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 1,870 |
| Cost of funding earning assets | 0.3560% | 4,190 |
| Net interest margin | 4.1431% | 1,454 |
| Noninterest income to average assets | 1.5723% | 508 |
| Noninterest expense to average assets | 3.3656% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3100% | 1,288 |
| Return on assets (ROA) | 1.3845% | 1,147 |
| Pretax return on assets | 2.1051% | 408 |
| Return on Equity (ROE) | 7.9522% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.9522% | 1,039 |
| Net charge-offs to loans | 0.4955% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.9018% | 3,325 |
| Efficiency ratio | 62.8179% | 4,781 |
| Assets per employee ($millions) | 4.7154% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1409% | 256 |
| Loan loss allowance to noncurrent loans | 50.5822% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 4.7766% | 302 |
| Noncurrent loans to loans | 6.2094% | 179 |
| Net loans and leases to total assets | 68.5150% | 2,491 |
| Net loans and leases to deposits | 85.5179% | 2,039 |
| Net loans and leases to core deposits | 88.2723% | 2,465 |
| Total domestic deposits to total assets | 80.1178% | 4,984 |
| Equity capital to assets | 18.2268% | 300 |
| Core capital (leverage) ratio | 17.6831% | 309 |
| Tier 1 risk-based capital ratio | 23.6992% | 984 |
| Total risk-based capital ratio | 25.0320% | 957 |
| Memoranda: | ||
| Average total assets | $81,470,600 | 5,029 |
| Average earning assets | $74,437,400 | 5,033 |
| Average equity | $14,184,800 | 3,993 |
| Average total loans | $55,495,000 | 4,630 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 2,234 |
| Cost of funding earning assets | 0.3484% | 4,357 |
| Net interest margin | 4.0488% | 1,726 |
| Noninterest income to average assets | 1.8859% | 384 |
| Noninterest expense to average assets | 3.1557% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6018% | 753 |
| Return on assets (ROA) | 1.6642% | 686 |
| Pretax return on assets | 2.5183% | 204 |
| Return on Equity (ROE) | 9.6695% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.6695% | 784 |
| Net charge-offs to loans | 0.5580% | 683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.4373% | 3,086 |
| Efficiency ratio | 56.5586% | 5,602 |
| Assets per employee ($millions) | 4.8724% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2977% | 271 |
| Loan loss allowance to noncurrent loans | 43.9441% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 5.5197% | 271 |
| Noncurrent loans to loans | 7.5042% | 144 |
| Net loans and leases to total assets | 64.6099% | 3,090 |
| Net loans and leases to deposits | 80.1345% | 2,667 |
| Net loans and leases to core deposits | 82.6147% | 3,047 |
| Total domestic deposits to total assets | 80.6268% | 4,934 |
| Equity capital to assets | 17.6914% | 359 |
| Core capital (leverage) ratio | 17.4541% | 328 |
| Tier 1 risk-based capital ratio | 23.6716% | 1,025 |
| Total risk-based capital ratio | 25.1508% | 977 |
| Memoranda: | ||
| Average total assets | $81,797,750 | 5,070 |
| Average earning assets | $74,621,750 | 5,082 |
| Average equity | $14,078,250 | 4,033 |
| Average total loans | $55,192,750 | 4,685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,479 |
| Cost of funding earning assets | 0.3342% | 4,594 |
| Net interest margin | 4.2853% | 1,057 |
| Noninterest income to average assets | 2.1951% | 301 |
| Noninterest expense to average assets | 3.0226% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0645% | 292 |
| Return on assets (ROA) | 2.1681% | 254 |
| Pretax return on assets | 3.2313% | 97 |
| Return on Equity (ROE) | 12.7175% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.7175% | 362 |
| Net charge-offs to loans | -0.1959% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5572% | 6,194 |
| Assets per employee ($millions) | 4.5683% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7266% | 210 |
| Loan loss allowance to noncurrent loans | 51.5892% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 5.7413% | 280 |
| Noncurrent loans to loans | 7.2236% | 164 |
| Net loans and leases to total assets | 66.2905% | 2,711 |
| Net loans and leases to deposits | 84.5392% | 1,978 |
| Net loans and leases to core deposits | 87.2509% | 2,389 |
| Total domestic deposits to total assets | 78.4139% | 5,566 |
| Equity capital to assets | 17.6057% | 354 |
| Core capital (leverage) ratio | 17.5787% | 321 |
| Tier 1 risk-based capital ratio | 22.5647% | 1,179 |
| Total risk-based capital ratio | 24.0407% | 1,126 |
| Memoranda: | ||
| Average total assets | $81,453,330 | 5,123 |
| Average earning assets | $74,207,330 | 5,129 |
| Average equity | $13,886,330 | 4,065 |
| Average total loans | $55,143,000 | 4,714 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 1,502 |
| Cost of funding earning assets | 0.3353% | 4,690 |
| Net interest margin | 4.2670% | 1,069 |
| Noninterest income to average assets | 3.5083% | 161 |
| Noninterest expense to average assets | 3.4441% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.6106% | 135 |
| Return on assets (ROA) | 2.8125% | 113 |
| Pretax return on assets | 4.2632% | 80 |
| Return on Equity (ROE) | 16.7758% | 557 |
| Retained earnings to average equity (ytd only) | 16.7758% | 231 |
| Net charge-offs to loans | -0.1985% | 6,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5333% | 6,408 |
| Assets per employee ($millions) | 4.4997% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7596% | 222 |
| Loan loss allowance to noncurrent loans | 47.6114% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 6.4597% | 250 |
| Noncurrent loans to loans | 7.8964% | 169 |
| Net loans and leases to total assets | 65.8345% | 2,590 |
| Net loans and leases to deposits | 82.1602% | 2,030 |
| Net loans and leases to core deposits | 83.3273% | 2,598 |
| Total domestic deposits to total assets | 80.1294% | 5,460 |
| Equity capital to assets | 17.2852% | 368 |
| Core capital (leverage) ratio | 16.6835% | 396 |
| Tier 1 risk-based capital ratio | 22.4393% | 1,220 |
| Total risk-based capital ratio | 23.9255% | 1,165 |
| Memoranda: | ||
| Average total assets | $81,065,500 | 5,185 |
| Average earning assets | $73,963,500 | 5,180 |
| Average equity | $13,591,000 | 4,131 |
| Average total loans | $54,404,500 | 4,779 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,310 |
| Cost of funding earning assets | 0.4667% | 3,945 |
| Net interest margin | 4.3354% | 1,024 |
| Noninterest income to average assets | 1.2093% | 961 |
| Noninterest expense to average assets | 3.3384% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3562% | 1,119 |
| Return on assets (ROA) | 1.3424% | 1,189 |
| Pretax return on assets | 1.7785% | 795 |
| Return on Equity (ROE) | 8.3332% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.3332% | 945 |
| Net charge-offs to loans | -0.5958% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0095% | 4,727 |
| Assets per employee ($millions) | 4.5076% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8499% | 224 |
| Loan loss allowance to noncurrent loans | 42.7710% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 6.7047% | 263 |
| Noncurrent loans to loans | 9.0012% | 145 |
| Net loans and leases to total assets | 63.2856% | 3,167 |
| Net loans and leases to deposits | 77.5685% | 2,783 |
| Net loans and leases to core deposits | 78.6472% | 3,285 |
| Total domestic deposits to total assets | 81.5867% | 5,009 |
| Equity capital to assets | 16.2466% | 497 |
| Core capital (leverage) ratio | 16.6064% | 406 |
| Tier 1 risk-based capital ratio | 21.9033% | 1,276 |
| Total risk-based capital ratio | 23.3674% | 1,213 |
| Memoranda: | ||
| Average total assets | $81,866,000 | 5,195 |
| Average earning assets | $74,133,400 | 5,190 |
| Average equity | $13,188,200 | 4,227 |
| Average total loans | $54,545,800 | 4,796 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,360 |
| Cost of funding earning assets | 0.5067% | 3,703 |
| Net interest margin | 4.2858% | 1,124 |
| Noninterest income to average assets | 1.3309% | 834 |
| Noninterest expense to average assets | 3.2322% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5324% | 845 |
| Return on assets (ROA) | 1.5324% | 892 |
| Pretax return on assets | 1.9744% | 607 |
| Return on Equity (ROE) | 9.5324% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.5324% | 899 |
| Net charge-offs to loans | -0.7806% | 6,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0787% | 5,128 |
| Assets per employee ($millions) | 4.6882% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8064% | 268 |
| Loan loss allowance to noncurrent loans | 40.3619% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 7.8369% | 233 |
| Noncurrent loans to loans | 9.4307% | 155 |
| Net loans and leases to total assets | 65.0652% | 2,790 |
| Net loans and leases to deposits | 80.6711% | 2,311 |
| Net loans and leases to core deposits | 81.8256% | 2,888 |
| Total domestic deposits to total assets | 80.6550% | 5,317 |
| Equity capital to assets | 16.9674% | 424 |
| Core capital (leverage) ratio | 16.7143% | 414 |
| Tier 1 risk-based capital ratio | 22.0932% | 1,304 |
| Total risk-based capital ratio | 23.5232% | 1,242 |
| Memoranda: | ||
| Average total assets | $82,048,250 | 5,239 |
| Average earning assets | $74,197,000 | 5,241 |
| Average equity | $13,189,750 | 4,272 |
| Average total loans | $54,831,250 | 4,827 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 1,289 |
| Cost of funding earning assets | 0.5390% | 3,512 |
| Net interest margin | 4.2803% | 1,071 |
| Noninterest income to average assets | 1.2290% | 1,030 |
| Noninterest expense to average assets | 2.9095% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5212% | 868 |
| Return on assets (ROA) | 1.5212% | 935 |
| Pretax return on assets | 2.1924% | 421 |
| Return on Equity (ROE) | 9.6340% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.6340% | 932 |
| Net charge-offs to loans | -1.0338% | 6,869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0279% | 5,849 |
| Assets per employee ($millions) | 4.5937% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7241% | 313 |
| Loan loss allowance to noncurrent loans | 35.0975% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 8.5432% | 216 |
| Noncurrent loans to loans | 10.6107% | 135 |
| Net loans and leases to total assets | 63.0312% | 3,094 |
| Net loans and leases to deposits | 81.2288% | 2,154 |
| Net loans and leases to core deposits | 82.3922% | 2,761 |
| Total domestic deposits to total assets | 77.5972% | 6,051 |
| Equity capital to assets | 15.9471% | 527 |
| Core capital (leverage) ratio | 16.0315% | 461 |
| Tier 1 risk-based capital ratio | 20.8540% | 1,524 |
| Total risk-based capital ratio | 22.2880% | 1,458 |
| Memoranda: | ||
| Average total assets | $82,831,000 | 5,251 |
| Average earning assets | $74,948,670 | 5,251 |
| Average equity | $13,078,670 | 4,333 |
| Average total loans | $55,138,670 | 4,851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,961 |
| Cost of funding earning assets | 0.5956% | 3,142 |
| Net interest margin | 3.9620% | 1,912 |
| Noninterest income to average assets | 1.1724% | 1,091 |
| Noninterest expense to average assets | 2.7888% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3461% | 1,160 |
| Return on assets (ROA) | 1.3461% | 1,255 |
| Pretax return on assets | 1.9782% | 614 |
| Return on Equity (ROE) | 8.5681% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.5681% | 1,531 |
| Net charge-offs to loans | -0.3810% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5020% | 5,783 |
| Assets per employee ($millions) | 4.2844% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2451% | 521 |
| Loan loss allowance to noncurrent loans | 27.6461% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 9.0671% | 245 |
| Noncurrent loans to loans | 11.7381% | 142 |
| Net loans and leases to total assets | 65.3420% | 2,488 |
| Net loans and leases to deposits | 84.5039% | 1,533 |
| Net loans and leases to core deposits | 85.7352% | 2,133 |
| Total domestic deposits to total assets | 77.3242% | 6,213 |
| Equity capital to assets | 16.1565% | 536 |
| Core capital (leverage) ratio | 15.2463% | 558 |
| Tier 1 risk-based capital ratio | 20.2278% | 1,715 |
| Total risk-based capital ratio | 21.5494% | 1,673 |
| Memoranda: | ||
| Average total assets | $82,903,500 | 5,301 |
| Average earning assets | $75,214,500 | 5,288 |
| Average equity | $13,025,000 | 4,379 |
| Average total loans | $55,641,000 | 4,868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 1,139 |
| Cost of funding earning assets | 0.7725% | 2,894 |
| Net interest margin | 4.4157% | 1,132 |
| Noninterest income to average assets | 0.7920% | 2,294 |
| Noninterest expense to average assets | 3.1951% | 2,628 |
| Loan and lease loss provision to assets | 0.0544% | 5,125 |
| Net operating income to assets | 0.8711% | 2,955 |
| Return on assets (ROA) | 0.8416% | 3,342 |
| Pretax return on assets | 1.4693% | 1,783 |
| Return on Equity (ROE) | 5.6215% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.6215% | 2,300 |
| Net charge-offs to loans | 1.1414% | 911 |
| Credit loss provision to net charge-offs | 6.7847% | 5,425 |
| Earnings coverage of net charge-offs (x) | 1.9587% | 4,442 |
| Efficiency ratio | 67.0553% | 4,317 |
| Assets per employee ($millions) | 4.9649% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0742% | 619 |
| Loan loss allowance to noncurrent loans | 25.5952% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 9.3397% | 253 |
| Noncurrent loans to loans | 12.0109% | 153 |
| Net loans and leases to total assets | 64.6612% | 2,784 |
| Net loans and leases to deposits | 82.3664% | 1,954 |
| Net loans and leases to core deposits | 87.9308% | 2,093 |
| Total domestic deposits to total assets | 78.5043% | 5,990 |
| Equity capital to assets | 15.2814% | 684 |
| Core capital (leverage) ratio | 14.7441% | 617 |
| Tier 1 risk-based capital ratio | 19.3411% | 1,857 |
| Total risk-based capital ratio | 20.6134% | 1,820 |
| Memoranda: | ||
| Average total assets | $84,598,400 | 5,233 |
| Average earning assets | $76,114,400 | 5,240 |
| Average equity | $12,665,600 | 4,425 |
| Average total loans | $59,403,000 | 4,739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2088% | 1,175 |
| Cost of funding earning assets | 0.8398% | 2,630 |
| Net interest margin | 4.3690% | 1,288 |
| Noninterest income to average assets | 0.8348% | 2,097 |
| Noninterest expense to average assets | 3.3424% | 2,152 |
| Loan and lease loss provision to assets | 0.0725% | 4,758 |
| Net operating income to assets | 0.8984% | 2,985 |
| Return on assets (ROA) | 0.8931% | 3,249 |
| Pretax return on assets | 1.3373% | 2,466 |
| Return on Equity (ROE) | 5.9963% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.9963% | 2,699 |
| Net charge-offs to loans | 1.0901% | 941 |
| Credit loss provision to net charge-offs | 9.3496% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.8293% | 4,349 |
| Efficiency ratio | 70.2184% | 3,650 |
| Assets per employee ($millions) | 4.7015% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2705% | 564 |
| Loan loss allowance to noncurrent loans | 24.6941% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 10.6680% | 208 |
| Noncurrent loans to loans | 13.2443% | 127 |
| Net loans and leases to total assets | 66.9963% | 2,459 |
| Net loans and leases to deposits | 85.4282% | 1,671 |
| Net loans and leases to core deposits | 91.5561% | 1,818 |
| Total domestic deposits to total assets | 78.4241% | 5,986 |
| Equity capital to assets | 15.3923% | 729 |
| Core capital (leverage) ratio | 14.1813% | 779 |
| Tier 1 risk-based capital ratio | 18.0485% | 2,316 |
| Total risk-based capital ratio | 19.3184% | 2,285 |
| Memoranda: | ||
| Average total assets | $84,647,250 | 5,279 |
| Average earning assets | $76,048,750 | 5,290 |
| Average equity | $12,607,500 | 4,478 |
| Average total loans | $60,177,000 | 4,759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 1,292 |
| Cost of funding earning assets | 0.8945% | 2,444 |
| Net interest margin | 4.2931% | 1,495 |
| Noninterest income to average assets | 0.7371% | 2,485 |
| Noninterest expense to average assets | 3.3312% | 2,214 |
| Loan and lease loss provision to assets | 0.1087% | 4,162 |
| Net operating income to assets | 0.6733% | 4,006 |
| Return on assets (ROA) | 0.6733% | 4,264 |
| Pretax return on assets | 1.1411% | 3,150 |
| Return on Equity (ROE) | 4.5717% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.5717% | 3,561 |
| Net charge-offs to loans | 1.7332% | 516 |
| Credit loss provision to net charge-offs | 8.7452% | 4,755 |
| Earnings coverage of net charge-offs (x) | 1.0057% | 4,522 |
| Efficiency ratio | 72.7179% | 3,296 |
| Assets per employee ($millions) | 4.8643% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0590% | 736 |
| Loan loss allowance to noncurrent loans | 24.6273% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 10.0734% | 259 |
| Noncurrent loans to loans | 12.4210% | 159 |
| Net loans and leases to total assets | 68.1545% | 2,265 |
| Net loans and leases to deposits | 88.7042% | 1,290 |
| Net loans and leases to core deposits | 103.7538% | 877 |
| Total domestic deposits to total assets | 76.8334% | 6,353 |
| Equity capital to assets | 14.4432% | 935 |
| Core capital (leverage) ratio | 14.0330% | 794 |
| Tier 1 risk-based capital ratio | 17.0292% | 2,648 |
| Total risk-based capital ratio | 18.3038% | 2,603 |
| Memoranda: | ||
| Average total assets | $84,654,000 | 5,313 |
| Average earning assets | $75,796,000 | 5,332 |
| Average equity | $12,468,000 | 4,510 |
| Average total loans | $60,698,000 | 4,759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 1,260 |
| Cost of funding earning assets | 0.9191% | 2,527 |
| Net interest margin | 4.3091% | 1,440 |
| Noninterest income to average assets | 0.8413% | 1,977 |
| Noninterest expense to average assets | 3.5960% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8221% | 3,286 |
| Return on assets (ROA) | 0.8221% | 3,519 |
| Pretax return on assets | 1.0769% | 3,409 |
| Return on Equity (ROE) | 5.5255% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.5255% | 3,242 |
| Net charge-offs to loans | 0.0066% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 158 |
| Efficiency ratio | 76.9547% | 2,656 |
| Assets per employee ($millions) | 4.8728% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9260% | 392 |
| Loan loss allowance to noncurrent loans | 30.9446% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 11.0651% | 243 |
| Noncurrent loans to loans | 12.6872% | 174 |
| Net loans and leases to total assets | 69.7768% | 1,792 |
| Net loans and leases to deposits | 92.5601% | 757 |
| Net loans and leases to core deposits | 111.2692% | 489 |
| Total domestic deposits to total assets | 75.3854% | 6,602 |
| Equity capital to assets | 15.0730% | 734 |
| Core capital (leverage) ratio | 14.4027% | 710 |
| Tier 1 risk-based capital ratio | 17.7247% | 2,392 |
| Total risk-based capital ratio | 19.0008% | 2,360 |
| Memoranda: | ||
| Average total assets | $83,202,500 | 5,382 |
| Average earning assets | $73,983,500 | 5,435 |
| Average equity | $12,379,000 | 4,533 |
| Average total loans | $60,268,500 | 4,808 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 1,004 |
| Cost of funding earning assets | 1.1038% | 2,647 |
| Net interest margin | 4.4711% | 1,207 |
| Noninterest income to average assets | 0.8825% | 1,736 |
| Noninterest expense to average assets | 3.3282% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9655% | 2,339 |
| Return on assets (ROA) | 0.9655% | 2,469 |
| Pretax return on assets | 1.5789% | 1,256 |
| Return on Equity (ROE) | 7.2790% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.2790% | 1,372 |
| Net charge-offs to loans | 0.1038% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 21.6615% | 1,081 |
| Efficiency ratio | 67.8245% | 4,395 |
| Assets per employee ($millions) | 4.6427% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9139% | 403 |
| Loan loss allowance to noncurrent loans | 32.1060% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 11.1107% | 261 |
| Noncurrent loans to loans | 12.1907% | 213 |
| Net loans and leases to total assets | 69.4177% | 2,138 |
| Net loans and leases to deposits | 91.1435% | 1,036 |
| Net loans and leases to core deposits | 106.1636% | 787 |
| Total domestic deposits to total assets | 76.1631% | 6,464 |
| Equity capital to assets | 14.6850% | 850 |
| Core capital (leverage) ratio | 14.0669% | 811 |
| Tier 1 risk-based capital ratio | 17.2870% | 2,475 |
| Total risk-based capital ratio | 18.5639% | 2,434 |
| Memoranda: | ||
| Average total assets | $89,176,600 | 5,204 |
| Average earning assets | $80,270,400 | 5,223 |
| Average equity | $11,828,600 | 4,590 |
| Average total loans | $62,592,400 | 4,772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 1,052 |
| Cost of funding earning assets | 1.1364% | 2,721 |
| Net interest margin | 4.4542% | 1,265 |
| Noninterest income to average assets | 0.9259% | 1,561 |
| Noninterest expense to average assets | 3.5136% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8390% | 2,990 |
| Return on assets (ROA) | 0.8390% | 3,144 |
| Pretax return on assets | 1.4337% | 1,835 |
| Return on Equity (ROE) | 6.4857% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.4857% | 2,248 |
| Net charge-offs to loans | 0.2682% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.6692% | 2,316 |
| Efficiency ratio | 71.0205% | 3,738 |
| Assets per employee ($millions) | 5.0118% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7766% | 466 |
| Loan loss allowance to noncurrent loans | 28.8635% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 10.6836% | 313 |
| Noncurrent loans to loans | 13.0843% | 197 |
| Net loans and leases to total assets | 64.9873% | 3,105 |
| Net loans and leases to deposits | 83.6991% | 2,047 |
| Net loans and leases to core deposits | 102.9592% | 1,040 |
| Total domestic deposits to total assets | 77.6440% | 6,266 |
| Equity capital to assets | 13.2664% | 1,480 |
| Core capital (leverage) ratio | 12.9302% | 1,253 |
| Tier 1 risk-based capital ratio | 16.8363% | 2,700 |
| Total risk-based capital ratio | 18.1111% | 2,667 |
| Memoranda: | ||
| Average total assets | $90,578,750 | 5,209 |
| Average earning assets | $81,777,750 | 5,223 |
| Average equity | $11,717,750 | 4,637 |
| Average total loans | $63,147,000 | 4,794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 704 |
| Cost of funding earning assets | 1.1845% | 2,680 |
| Net interest margin | 4.6280% | 858 |
| Noninterest income to average assets | 1.0254% | 1,258 |
| Noninterest expense to average assets | 3.0143% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3010% | 1,316 |
| Return on assets (ROA) | 1.3010% | 1,392 |
| Pretax return on assets | 2.1896% | 417 |
| Return on Equity (ROE) | 10.1424% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.1424% | 814 |
| Net charge-offs to loans | -0.5885% | 7,413 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9237% | 6,175 |
| Assets per employee ($millions) | 4.7732% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1717% | 364 |
| Loan loss allowance to noncurrent loans | 30.3304% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 11.6242% | 278 |
| Noncurrent loans to loans | 13.7540% | 172 |
| Net loans and leases to total assets | 66.2620% | 2,976 |
| Net loans and leases to deposits | 87.8655% | 1,520 |
| Net loans and leases to core deposits | 108.6810% | 772 |
| Total domestic deposits to total assets | 75.4129% | 6,685 |
| Equity capital to assets | 13.1955% | 1,429 |
| Core capital (leverage) ratio | 13.3979% | 1,026 |
| Tier 1 risk-based capital ratio | 16.4787% | 2,749 |
| Total risk-based capital ratio | 17.7578% | 2,697 |
| Memoranda: | ||
| Average total assets | $90,700,670 | 5,242 |
| Average earning assets | $81,892,330 | 5,261 |
| Average equity | $11,634,330 | 4,658 |
| Average total loans | $63,886,670 | 4,797 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4097% | 241 |
| Cost of funding earning assets | 1.2429% | 2,551 |
| Net interest margin | 5.1667% | 267 |
| Noninterest income to average assets | 1.2700% | 788 |
| Noninterest expense to average assets | 3.3030% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1255% | 291 |
| Return on assets (ROA) | 2.1255% | 300 |
| Pretax return on assets | 2.6415% | 209 |
| Return on Equity (ROE) | 16.8120% | 594 |
| Retained earnings to average equity (ytd only) | 16.8120% | 294 |
| Net charge-offs to loans | -0.9306% | 7,479 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5638% | 6,550 |
| Assets per employee ($millions) | 4.6979% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9732% | 425 |
| Loan loss allowance to noncurrent loans | 30.9930% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 11.3309% | 312 |
| Noncurrent loans to loans | 12.8198% | 237 |
| Net loans and leases to total assets | 69.8028% | 2,172 |
| Net loans and leases to deposits | 92.9164% | 928 |
| Net loans and leases to core deposits | 116.1645% | 526 |
| Total domestic deposits to total assets | 75.1244% | 6,773 |
| Equity capital to assets | 13.1223% | 1,328 |
| Core capital (leverage) ratio | 12.7329% | 1,224 |
| Tier 1 risk-based capital ratio | 16.0947% | 2,861 |
| Total risk-based capital ratio | 17.3724% | 2,819 |
| Memoranda: | ||
| Average total assets | $90,706,000 | 5,271 |
| Average earning assets | $82,063,500 | 5,296 |
| Average equity | $11,468,000 | 4,678 |
| Average total loans | $64,475,500 | 4,823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 4,000 |
| Cost of funding earning assets | 1.3618% | 3,503 |
| Net interest margin | 3.7593% | 4,110 |
| Noninterest income to average assets | 0.4555% | 4,479 |
| Noninterest expense to average assets | 2.4959% | 5,814 |
| Loan and lease loss provision to assets | 0.6314% | 2,605 |
| Net operating income to assets | 0.8952% | 2,413 |
| Return on assets (ROA) | 0.8982% | 2,525 |
| Pretax return on assets | 0.7243% | 3,889 |
| Return on Equity (ROE) | 8.5242% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.5242% | 832 |
| Net charge-offs to loans | 0.7275% | 2,835 |
| Credit loss provision to net charge-offs | 126.7857% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.7163% | 3,724 |
| Efficiency ratio | 64.8524% | 5,192 |
| Assets per employee ($millions) | 4.8501% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7898% | 476 |
| Loan loss allowance to noncurrent loans | 23.1901% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 13.6481% | 204 |
| Noncurrent loans to loans | 16.3423% | 122 |
| Net loans and leases to total assets | 66.8884% | 3,249 |
| Net loans and leases to deposits | 87.4238% | 1,876 |
| Net loans and leases to core deposits | 109.7209% | 934 |
| Total domestic deposits to total assets | 76.5105% | 6,568 |
| Equity capital to assets | 12.1788% | 1,808 |
| Core capital (leverage) ratio | 11.9463% | 1,590 |
| Tier 1 risk-based capital ratio | 15.3351% | 3,078 |
| Total risk-based capital ratio | 16.6109% | 3,024 |
| Memoranda: | ||
| Average total assets | $101,206,400 | 4,949 |
| Average earning assets | $91,346,800 | 4,970 |
| Average equity | $10,663,800 | 4,944 |
| Average total loans | $69,282,600 | 4,704 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 4,382 |
| Cost of funding earning assets | 1.4266% | 3,415 |
| Net interest margin | 3.6615% | 4,587 |
| Noninterest income to average assets | 0.2861% | 5,829 |
| Noninterest expense to average assets | 2.4483% | 5,889 |
| Loan and lease loss provision to assets | 0.8234% | 1,839 |
| Net operating income to assets | 0.2330% | 5,413 |
| Return on assets (ROA) | 0.2358% | 5,568 |
| Pretax return on assets | 0.3221% | 5,443 |
| Return on Equity (ROE) | 2.3184% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.3184% | 4,777 |
| Net charge-offs to loans | 1.0257% | 1,967 |
| Credit loss provision to net charge-offs | 117.6796% | 3,523 |
| Earnings coverage of net charge-offs (x) | 1.6317% | 4,490 |
| Efficiency ratio | 68.1981% | 4,428 |
| Assets per employee ($millions) | 4.5280% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6307% | 490 |
| Loan loss allowance to noncurrent loans | 20.8883% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 13.7398% | 200 |
| Noncurrent loans to loans | 17.3815% | 113 |
| Net loans and leases to total assets | 66.6859% | 3,530 |
| Net loans and leases to deposits | 86.1680% | 2,299 |
| Net loans and leases to core deposits | 106.8137% | 1,249 |
| Total domestic deposits to total assets | 77.3907% | 6,393 |
| Equity capital to assets | 11.3525% | 2,659 |
| Core capital (leverage) ratio | 10.7952% | 2,417 |
| Tier 1 risk-based capital ratio | 14.1049% | 3,761 |
| Total risk-based capital ratio | 15.3784% | 3,718 |
| Memoranda: | ||
| Average total assets | $103,470,000 | 4,950 |
| Average earning assets | $93,365,500 | 4,968 |
| Average equity | $10,524,000 | 5,049 |
| Average total loans | $70,586,500 | 4,732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 4,944 |
| Cost of funding earning assets | 1.4334% | 3,652 |
| Net interest margin | 3.5658% | 4,966 |
| Noninterest income to average assets | 0.0320% | 7,423 |
| Noninterest expense to average assets | 2.2228% | 6,595 |
| Loan and lease loss provision to assets | 1.1857% | 1,184 |
| Net operating income to assets | -0.1022% | 6,231 |
| Return on assets (ROA) | -0.0998% | 6,302 |
| Pretax return on assets | -0.1656% | 6,305 |
| Return on Equity (ROE) | -1.0159% | 6,314 |
| Retained earnings to average equity (ytd only) | -1.0159% | 5,971 |
| Net charge-offs to loans | 1.1471% | 1,657 |
| Credit loss provision to net charge-offs | 152.1739% | 2,576 |
| Earnings coverage of net charge-offs (x) | 1.3043% | 4,525 |
| Efficiency ratio | 68.6229% | 4,454 |
| Assets per employee ($millions) | 4.6878% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6233% | 503 |
| Loan loss allowance to noncurrent loans | 19.8575% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 14.1219% | 175 |
| Noncurrent loans to loans | 18.2465% | 107 |
| Net loans and leases to total assets | 67.7925% | 3,425 |
| Net loans and leases to deposits | 87.2927% | 2,292 |
| Net loans and leases to core deposits | 109.5720% | 1,194 |
| Total domestic deposits to total assets | 77.6612% | 6,349 |
| Equity capital to assets | 10.6854% | 3,183 |
| Core capital (leverage) ratio | 10.2368% | 2,904 |
| Tier 1 risk-based capital ratio | 13.2687% | 4,232 |
| Total risk-based capital ratio | 14.5438% | 4,173 |
| Memoranda: | ||
| Average total assets | $106,263,670 | 4,906 |
| Average earning assets | $95,575,330 | 4,943 |
| Average equity | $10,433,670 | 5,080 |
| Average total loans | $72,182,000 | 4,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 5,680 |
| Cost of funding earning assets | 1.5823% | 3,064 |
| Net interest margin | 3.2699% | 6,070 |
| Noninterest income to average assets | 0.4175% | 4,752 |
| Noninterest expense to average assets | 2.0259% | 7,112 |
| Loan and lease loss provision to assets | 0.6063% | 2,100 |
| Net operating income to assets | 0.4347% | 4,691 |
| Return on assets (ROA) | 0.4393% | 4,797 |
| Pretax return on assets | 0.7261% | 4,143 |
| Return on Equity (ROE) | 4.6579% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.6579% | 3,348 |
| Net charge-offs to loans | 1.8194% | 954 |
| Credit loss provision to net charge-offs | 49.8507% | 4,491 |
| Earnings coverage of net charge-offs (x) | 1.0896% | 4,112 |
| Efficiency ratio | 60.4550% | 6,090 |
| Assets per employee ($millions) | 5.0322% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9839% | 834 |
| Loan loss allowance to noncurrent loans | 17.5591% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 13.5526% | 185 |
| Noncurrent loans to loans | 16.9934% | 132 |
| Net loans and leases to total assets | 65.3794% | 4,024 |
| Net loans and leases to deposits | 81.4205% | 3,380 |
| Net loans and leases to core deposits | 114.8989% | 1,000 |
| Total domestic deposits to total assets | 80.2985% | 5,684 |
| Equity capital to assets | 10.0164% | 3,850 |
| Core capital (leverage) ratio | 9.2224% | 4,185 |
| Tier 1 risk-based capital ratio | 12.5457% | 4,701 |
| Total risk-based capital ratio | 13.8116% | 4,652 |
| Memoranda: | ||
| Average total assets | $110,174,000 | 4,867 |
| Average earning assets | $98,840,500 | 4,909 |
| Average equity | $10,391,000 | 5,133 |
| Average total loans | $73,650,000 | 4,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 5,627 |
| Cost of funding earning assets | 1.6973% | 4,528 |
| Net interest margin | 3.5077% | 4,920 |
| Noninterest income to average assets | 0.6992% | 2,988 |
| Noninterest expense to average assets | 2.1019% | 7,185 |
| Loan and lease loss provision to assets | 7.6724% | 52 |
| Net operating income to assets | -4.2802% | 7,648 |
| Return on assets (ROA) | -4.2699% | 7,645 |
| Pretax return on assets | -5.8655% | 7,793 |
| Return on Equity (ROE) | -40.2580% | 7,571 |
| Retained earnings to average equity (ytd only) | -40.2580% | 7,557 |
| Net charge-offs to loans | 8.9235% | 52 |
| Credit loss provision to net charge-offs | 118.5765% | 4,545 |
| Earnings coverage of net charge-offs (x) | 0.2771% | 5,833 |
| Efficiency ratio | 53.9679% | 7,233 |
| Assets per employee ($millions) | 5.7336% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0138% | 767 |
| Loan loss allowance to noncurrent loans | 18.6181% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 12.8036% | 212 |
| Noncurrent loans to loans | 16.1874% | 137 |
| Net loans and leases to total assets | 64.3502% | 4,525 |
| Net loans and leases to deposits | 81.7765% | 3,652 |
| Net loans and leases to core deposits | 96.8729% | 4,365 |
| Total domestic deposits to total assets | 78.6903% | 6,069 |
| Equity capital to assets | 8.8924% | 5,291 |
| Core capital (leverage) ratio | 9.0404% | 4,356 |
| Tier 1 risk-based capital ratio | 11.5815% | 5,313 |
| Total risk-based capital ratio | 12.8474% | 5,257 |
| Memoranda: | ||
| Average total assets | $113,562,800 | 4,740 |
| Average earning assets | $103,457,400 | 4,743 |
| Average equity | $12,044,800 | 4,738 |
| Average total loans | $82,344,200 | 4,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 6,015 |
| Cost of funding earning assets | 1.7780% | 4,487 |
| Net interest margin | 3.3911% | 5,306 |
| Noninterest income to average assets | 0.6732% | 3,197 |
| Noninterest expense to average assets | 2.1361% | 7,120 |
| Loan and lease loss provision to assets | 9.7850% | 27 |
| Net operating income to assets | -6.0088% | 7,924 |
| Return on assets (ROA) | -5.9835% | 7,919 |
| Pretax return on assets | -8.1161% | 8,003 |
| Return on Equity (ROE) | -54.1987% | 7,864 |
| Retained earnings to average equity (ytd only) | -54.1987% | 7,857 |
| Net charge-offs to loans | 11.5630% | 33 |
| Credit loss provision to net charge-offs | 114.2504% | 4,446 |
| Earnings coverage of net charge-offs (x) | 0.1909% | 5,832 |
| Efficiency ratio | 56.6479% | 6,916 |
| Assets per employee ($millions) | 5.7129% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5266% | 1,030 |
| Loan loss allowance to noncurrent loans | 12.8306% | 7,389 |
| Noncurrent assets plus other real estate owned to assets | 14.4613% | 133 |
| Noncurrent loans to loans | 19.6917% | 66 |
| Net loans and leases to total assets | 66.3495% | 4,340 |
| Net loans and leases to deposits | 84.3362% | 3,594 |
| Net loans and leases to core deposits | 97.4334% | 4,669 |
| Total domestic deposits to total assets | 78.6726% | 5,906 |
| Equity capital to assets | 8.9010% | 5,632 |
| Core capital (leverage) ratio | 8.6135% | 5,288 |
| Tier 1 risk-based capital ratio | 11.2635% | 5,670 |
| Total risk-based capital ratio | 12.5254% | 5,606 |
| Memoranda: | ||
| Average total assets | $113,285,750 | 4,775 |
| Average earning assets | $103,484,500 | 4,777 |
| Average equity | $12,506,750 | 4,657 |
| Average total loans | $83,909,250 | 4,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 5,159 |
| Cost of funding earning assets | 1.8268% | 4,622 |
| Net interest margin | 3.5722% | 4,488 |
| Noninterest income to average assets | 0.5258% | 4,224 |
| Noninterest expense to average assets | 2.1795% | 7,105 |
| Loan and lease loss provision to assets | 12.1581% | 18 |
| Net operating income to assets | -8.8564% | 8,095 |
| Return on assets (ROA) | -8.8490% | 8,089 |
| Pretax return on assets | -10.5381% | 8,112 |
| Return on Equity (ROE) | -75.2390% | 8,031 |
| Retained earnings to average equity (ytd only) | -75.2390% | 8,029 |
| Net charge-offs to loans | 4.4116% | 298 |
| Credit loss provision to net charge-offs | 362.1835% | 1,281 |
| Earnings coverage of net charge-offs (x) | 0.4800% | 5,226 |
| Efficiency ratio | 57.4965% | 6,944 |
| Assets per employee ($millions) | 5.4361% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0161% | 52 |
| Loan loss allowance to noncurrent loans | 41.2575% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 13.9374% | 124 |
| Noncurrent loans to loans | 17.0056% | 95 |
| Net loans and leases to total assets | 71.9072% | 3,248 |
| Net loans and leases to deposits | 89.4753% | 2,900 |
| Net loans and leases to core deposits | 105.8318% | 3,856 |
| Total domestic deposits to total assets | 80.3655% | 5,330 |
| Equity capital to assets | 9.1775% | 5,050 |
| Core capital (leverage) ratio | 9.4163% | 4,009 |
| Tier 1 risk-based capital ratio | 11.1892% | 5,685 |
| Total risk-based capital ratio | 12.4978% | 5,557 |
| Memoranda: | ||
| Average total assets | $112,962,000 | 4,802 |
| Average earning assets | $103,241,330 | 4,811 |
| Average equity | $13,285,670 | 4,470 |
| Average total loans | $85,954,330 | 4,401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8929% | 2,831 |
| Cost of funding earning assets | 1.8771% | 4,755 |
| Net interest margin | 4.0159% | 2,583 |
| Noninterest income to average assets | 0.6743% | 3,039 |
| Noninterest expense to average assets | 1.7657% | 7,743 |
| Loan and lease loss provision to assets | 2.3323% | 505 |
| Net operating income to assets | 0.3511% | 5,065 |
| Return on assets (ROA) | 0.3580% | 5,215 |
| Pretax return on assets | 0.2642% | 5,775 |
| Return on Equity (ROE) | 2.7578% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.7578% | 4,341 |
| Net charge-offs to loans | -0.0691% | 7,790 |
| Credit loss provision to net charge-offs | -4,473.3333% | 6,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5427% | 8,038 |
| Assets per employee ($millions) | 5.6614% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 1,664 |
| Loan loss allowance to noncurrent loans | 19.3572% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 8.2515% | 342 |
| Noncurrent loans to loans | 9.7283% | 312 |
| Net loans and leases to total assets | 74.2705% | 2,690 |
| Net loans and leases to deposits | 98.9330% | 1,544 |
| Net loans and leases to core deposits | 119.5533% | 2,459 |
| Total domestic deposits to total assets | 75.0715% | 6,701 |
| Equity capital to assets | 13.1814% | 1,669 |
| Core capital (leverage) ratio | 13.0809% | 1,456 |
| Tier 1 risk-based capital ratio | 15.9302% | 2,710 |
| Total risk-based capital ratio | 17.1881% | 2,650 |
| Memoranda: | ||
| Average total assets | $115,082,000 | 4,773 |
| Average earning assets | $105,482,000 | 4,763 |
| Average equity | $14,939,500 | 4,156 |
| Average total loans | $86,892,500 | 4,396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6434% | 313 |
| Cost of funding earning assets | 2.5630% | 3,886 |
| Net interest margin | 5.0804% | 427 |
| Noninterest income to average assets | 0.6308% | 3,628 |
| Noninterest expense to average assets | 1.9681% | 7,501 |
| Loan and lease loss provision to assets | 3.1848% | 278 |
| Net operating income to assets | 0.3326% | 5,430 |
| Return on assets (ROA) | -0.1850% | 6,452 |
| Pretax return on assets | -0.6193% | 6,758 |
| Return on Equity (ROE) | -1.3665% | 6,413 |
| Retained earnings to average equity (ytd only) | -1.3665% | 5,697 |
| Net charge-offs to loans | 5.1204% | 97 |
| Credit loss provision to net charge-offs | 84.3050% | 5,796 |
| Earnings coverage of net charge-offs (x) | 0.8932% | 5,692 |
| Efficiency ratio | 36.8404% | 8,179 |
| Assets per employee ($millions) | 6.1545% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,595 |
| Loan loss allowance to noncurrent loans | 14.7489% | 7,402 |
| Noncurrent assets plus other real estate owned to assets | 6.1470% | 475 |
| Noncurrent loans to loans | 7.1438% | 419 |
| Net loans and leases to total assets | 74.5262% | 2,983 |
| Net loans and leases to deposits | 102.0444% | 1,583 |
| Net loans and leases to core deposits | 124.7288% | 2,268 |
| Total domestic deposits to total assets | 73.0331% | 6,823 |
| Equity capital to assets | 12.7882% | 1,874 |
| Core capital (leverage) ratio | 13.4280% | 1,408 |
| Tier 1 risk-based capital ratio | 15.6302% | 2,804 |
| Total risk-based capital ratio | 16.5824% | 2,842 |
| Memoranda: | ||
| Average total assets | $113,507,800 | 4,680 |
| Average earning assets | $105,266,800 | 4,636 |
| Average equity | $15,367,400 | 4,060 |
| Average total loans | $83,743,800 | 4,403 |