Home > Security State Bank of Oklahoma > Performance and Condition Ratios
Security State Bank of Oklahoma, 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 | 5.5032% | 1,154 |
| Cost of funding earning assets | 1.1410% | 2,953 |
| Net interest margin | 4.3622% | 742 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.9596% | 3,713 |
| Loan and lease loss provision to assets | 1.0800% | 63 |
| Net operating income to assets | 1.3987% | 1,219 |
| Return on assets (ROA) | 1.3872% | 1,210 |
| Pretax return on assets | 1.5824% | 1,270 |
| Return on Equity (ROE) | 10.7800% | 2,285 |
| Retained earnings to average equity (ytd only) | 10.7786% | 845 |
| Net charge-offs to loans | 1.6248% | 54 |
| Credit loss provision to net charge-offs | 115.3449% | 1,711 |
| Earnings coverage of net charge-offs (x) | 2.8575% | 2,670 |
| Efficiency ratio | 41.9347% | 4,317 |
| Assets per employee ($millions) | 7.5670% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 354 |
| Loan loss allowance to noncurrent loans | 46.0084% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 2.5473% | 91 |
| Noncurrent loans to loans | 4.4258% | 67 |
| Net loans and leases to total assets | 55.5600% | 3,231 |
| Net loans and leases to deposits | 67.3266% | 3,084 |
| Net loans and leases to core deposits | 77.7589% | 2,856 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 12.9491% | 867 |
| Core capital (leverage) ratio | 14.5256% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4125% | 578 |
| Memoranda: | ||
| Average total assets | $351,497,600 | 2,191 |
| Average earning assets | $332,080,000 | 2,170 |
| Average equity | $45,237,800 | 1,726 |
| Average total loans | $202,546,200 | 2,271 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6137% | 895 |
| Cost of funding earning assets | 0.9689% | 3,120 |
| Net interest margin | 4.6448% | 499 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.9341% | 3,745 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 2.1363% | 413 |
| Return on assets (ROA) | 2.1337% | 407 |
| Pretax return on assets | 2.5318% | 371 |
| Return on Equity (ROE) | 16.6100% | 1,152 |
| Retained earnings to average equity (ytd only) | 16.6064% | 416 |
| Net charge-offs to loans | 0.2692% | 324 |
| Credit loss provision to net charge-offs | 204.1975% | 1,106 |
| Earnings coverage of net charge-offs (x) | 18.3160% | 1,865 |
| Efficiency ratio | 40.0739% | 4,360 |
| Assets per employee ($millions) | 7.6546% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 378 |
| Loan loss allowance to noncurrent loans | 42.7466% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.7688% | 83 |
| Noncurrent loans to loans | 4.7321% | 58 |
| Net loans and leases to total assets | 56.5300% | 3,152 |
| Net loans and leases to deposits | 67.8235% | 2,990 |
| Net loans and leases to core deposits | 82.3798% | 2,444 |
| Total domestic deposits to total assets | 83.3500% | 2,949 |
| Equity capital to assets | 12.5938% | 893 |
| Core capital (leverage) ratio | 14.9081% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0754% | 545 |
| Memoranda: | ||
| Average total assets | $346,676,500 | 2,213 |
| Average earning assets | $327,239,500 | 2,194 |
| Average equity | $44,544,000 | 1,732 |
| Average total loans | $200,610,750 | 2,283 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 855 |
| Cost of funding earning assets | 0.7966% | 3,214 |
| Net interest margin | 4.6838% | 470 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.0110% | 3,567 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 2.1313% | 384 |
| Return on assets (ROA) | 2.1273% | 381 |
| Pretax return on assets | 2.5111% | 353 |
| Return on Equity (ROE) | 16.4400% | 1,195 |
| Retained earnings to average equity (ytd only) | 16.4419% | 433 |
| Net charge-offs to loans | 0.3379% | 247 |
| Credit loss provision to net charge-offs | 169.5522% | 1,126 |
| Earnings coverage of net charge-offs (x) | 14.5463% | 1,874 |
| Efficiency ratio | 41.0583% | 4,363 |
| Assets per employee ($millions) | 7.2306% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 471 |
| Loan loss allowance to noncurrent loans | 53.2254% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 124 |
| Noncurrent loans to loans | 3.6296% | 107 |
| Net loans and leases to total assets | 57.4500% | 3,009 |
| Net loans and leases to deposits | 66.8259% | 3,012 |
| Net loans and leases to core deposits | 80.5984% | 2,430 |
| Total domestic deposits to total assets | 85.9800% | 2,233 |
| Equity capital to assets | 12.8953% | 834 |
| Core capital (leverage) ratio | 14.5462% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3872% | 600 |
| Memoranda: | ||
| Average total assets | $342,313,667 | 2,233 |
| Average earning assets | $325,118,667 | 2,204 |
| Average equity | $44,289,333 | 1,742 |
| Average total loans | $198,286,333 | 2,302 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 944 |
| Cost of funding earning assets | 0.6242% | 3,308 |
| Net interest margin | 4.5859% | 513 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.0314% | 3,555 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 2.2907% | 328 |
| Return on assets (ROA) | 2.2907% | 326 |
| Pretax return on assets | 2.4560% | 378 |
| Return on Equity (ROE) | 17.6700% | 1,069 |
| Retained earnings to average equity (ytd only) | 17.6738% | 543 |
| Net charge-offs to loans | 0.0351% | 1,027 |
| Credit loss provision to net charge-offs | 1,523.5294% | 254 |
| Earnings coverage of net charge-offs (x) | 136.7059% | 641 |
| Efficiency ratio | 42.0139% | 4,388 |
| Assets per employee ($millions) | 6.6706% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 402 |
| Loan loss allowance to noncurrent loans | 60.8110% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 126 |
| Noncurrent loans to loans | 3.3660% | 122 |
| Net loans and leases to total assets | 56.5300% | 3,004 |
| Net loans and leases to deposits | 65.8600% | 2,946 |
| Net loans and leases to core deposits | 77.4221% | 2,432 |
| Total domestic deposits to total assets | 85.8400% | 2,640 |
| Equity capital to assets | 13.1001% | 739 |
| Core capital (leverage) ratio | 14.5206% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0468% | 652 |
| Memoranda: | ||
| Average total assets | $336,320,000 | 2,285 |
| Average earning assets | $321,069,500 | 2,248 |
| Average equity | $43,590,000 | 1,780 |
| Average total loans | $193,644,000 | 2,352 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 1,001 |
| Cost of funding earning assets | 0.2980% | 2,892 |
| Net interest margin | 4.0352% | 745 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 1.9136% | 3,804 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 2.2329% | 204 |
| Return on assets (ROA) | 2.1978% | 204 |
| Pretax return on assets | 2.7989% | 152 |
| Return on Equity (ROE) | 20.1700% | 463 |
| Retained earnings to average equity (ytd only) | 20.1748% | 89 |
| Net charge-offs to loans | 1.0303% | 64 |
| Credit loss provision to net charge-offs | 58.4821% | 1,786 |
| Earnings coverage of net charge-offs (x) | 5.7356% | 2,364 |
| Efficiency ratio | 37.3706% | 4,588 |
| Assets per employee ($millions) | 6.5184% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 447 |
| Loan loss allowance to noncurrent loans | 107.1489% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 384 |
| Noncurrent loans to loans | 1.8461% | 318 |
| Net loans and leases to total assets | 56.3000% | 2,997 |
| Net loans and leases to deposits | 67.1290% | 2,802 |
| Net loans and leases to core deposits | 77.0152% | 2,352 |
| Total domestic deposits to total assets | 83.8700% | 3,236 |
| Equity capital to assets | 12.8184% | 738 |
| Core capital (leverage) ratio | 13.4896% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4184% | 590 |
| Memoranda: | ||
| Average total assets | $365,221,200 | 2,159 |
| Average earning assets | $345,357,000 | 2,131 |
| Average equity | $39,787,200 | 1,923 |
| Average total loans | $195,662,400 | 2,268 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 1,209 |
| Cost of funding earning assets | 0.2660% | 2,534 |
| Net interest margin | 3.7628% | 1,011 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.8495% | 3,874 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.6574% | 583 |
| Return on assets (ROA) | 1.6574% | 568 |
| Pretax return on assets | 2.0291% | 440 |
| Return on Equity (ROE) | 15.8400% | 1,008 |
| Retained earnings to average equity (ytd only) | 15.8369% | 294 |
| Net charge-offs to loans | 0.9571% | 53 |
| Credit loss provision to net charge-offs | 39.4904% | 1,564 |
| Earnings coverage of net charge-offs (x) | 4.4168% | 2,175 |
| Efficiency ratio | 44.9873% | 4,426 |
| Assets per employee ($millions) | 6.9291% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 599 |
| Loan loss allowance to noncurrent loans | 82.2538% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 339 |
| Noncurrent loans to loans | 2.3165% | 244 |
| Net loans and leases to total assets | 49.8700% | 3,472 |
| Net loans and leases to deposits | 55.4183% | 3,526 |
| Net loans and leases to core deposits | 60.2553% | 3,363 |
| Total domestic deposits to total assets | 90.0000% | 1,665 |
| Equity capital to assets | 9.8135% | 1,720 |
| Core capital (leverage) ratio | 11.0844% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5687% | 917 |
| Memoranda: | ||
| Average total assets | $373,417,250 | 2,138 |
| Average earning assets | $352,419,500 | 2,114 |
| Average equity | $39,080,750 | 1,975 |
| Average total loans | $196,843,000 | 2,251 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7674% | 1,377 |
| Cost of funding earning assets | 0.2502% | 2,266 |
| Net interest margin | 3.5172% | 1,272 |
| Noninterest income to average assets | 0.5655% | 1,882 |
| Noninterest expense to average assets | 1.9167% | 3,661 |
| Loan and lease loss provision to assets | 0.1601% | 584 |
| Net operating income to assets | 1.5634% | 601 |
| Return on assets (ROA) | 1.5634% | 584 |
| Pretax return on assets | 1.8147% | 577 |
| Return on Equity (ROE) | 14.6189% | 974 |
| Retained earnings to average equity (ytd only) | 14.6189% | 300 |
| Net charge-offs to loans | 0.1210% | 511 |
| Credit loss provision to net charge-offs | 247.8992% | 873 |
| Earnings coverage of net charge-offs (x) | 30.5798% | 1,379 |
| Efficiency ratio | 48.8635% | 4,316 |
| Assets per employee ($millions) | 7.0462% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 291 |
| Loan loss allowance to noncurrent loans | 114.3198% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 402 |
| Noncurrent loans to loans | 2.0987% | 303 |
| Net loans and leases to total assets | 50.2810% | 3,340 |
| Net loans and leases to deposits | 56.0779% | 3,370 |
| Net loans and leases to core deposits | 64.6781% | 2,918 |
| Total domestic deposits to total assets | 89.6627% | 1,861 |
| Equity capital to assets | 10.1355% | 1,635 |
| Core capital (leverage) ratio | 11.5689% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7567% | 890 |
| Memoranda: | ||
| Average total assets | $368,547,000 | 2,167 |
| Average earning assets | $348,519,000 | 2,148 |
| Average equity | $39,414,667 | 2,025 |
| Average total loans | $196,696,000 | 2,254 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 1,060 |
| Cost of funding earning assets | 0.2500% | 2,164 |
| Net interest margin | 3.5665% | 950 |
| Noninterest income to average assets | 0.4100% | 2,622 |
| Noninterest expense to average assets | 1.8928% | 3,698 |
| Loan and lease loss provision to assets | 0.1259% | 658 |
| Net operating income to assets | 1.5051% | 627 |
| Return on assets (ROA) | 1.5051% | 617 |
| Pretax return on assets | 1.7613% | 602 |
| Return on Equity (ROE) | 13.6871% | 893 |
| Retained earnings to average equity (ytd only) | 13.6871% | 400 |
| Net charge-offs to loans | 0.0922% | 554 |
| Credit loss provision to net charge-offs | 251.1111% | 716 |
| Earnings coverage of net charge-offs (x) | 37.6444% | 1,031 |
| Efficiency ratio | 49.6611% | 4,328 |
| Assets per employee ($millions) | 6.0697% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3883% | 327 |
| Loan loss allowance to noncurrent loans | 104.0435% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 274 |
| Noncurrent loans to loans | 2.2955% | 286 |
| Net loans and leases to total assets | 53.4458% | 2,823 |
| Net loans and leases to deposits | 60.2281% | 2,880 |
| Net loans and leases to core deposits | 70.9624% | 2,215 |
| Total domestic deposits to total assets | 88.7391% | 2,191 |
| Equity capital to assets | 11.0255% | 1,321 |
| Core capital (leverage) ratio | 11.1327% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3068% | 856 |
| Memoranda: | ||
| Average total assets | $359,050,500 | 2,210 |
| Average earning assets | $339,267,000 | 2,192 |
| Average equity | $39,482,500 | 2,076 |
| Average total loans | $195,219,500 | 2,261 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8538% | 1,735 |
| Cost of funding earning assets | 0.3154% | 2,248 |
| Net interest margin | 3.5384% | 1,631 |
| Noninterest income to average assets | 1.3895% | 567 |
| Noninterest expense to average assets | 2.0740% | 3,459 |
| Loan and lease loss provision to assets | 0.0837% | 1,468 |
| Net operating income to assets | 2.0144% | 331 |
| Return on assets (ROA) | 2.0144% | 348 |
| Pretax return on assets | 2.5694% | 234 |
| Return on Equity (ROE) | 17.9867% | 467 |
| Retained earnings to average equity (ytd only) | 11.2194% | 666 |
| Net charge-offs to loans | 0.2411% | 387 |
| Credit loss provision to net charge-offs | 58.6420% | 2,073 |
| Earnings coverage of net charge-offs (x) | 18.5905% | 1,905 |
| Efficiency ratio | 43.5334% | 4,589 |
| Assets per employee ($millions) | 6.1015% | 2,663 |
| Cash dividends to net income (ytd only)* | 37.6239% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 339 |
| Loan loss allowance to noncurrent loans | 91.5295% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 275 |
| Noncurrent loans to loans | 2.5937% | 256 |
| Net loans and leases to total assets | 52.7088% | 2,984 |
| Net loans and leases to deposits | 59.3226% | 3,142 |
| Net loans and leases to core deposits | 69.4134% | 2,513 |
| Total domestic deposits to total assets | 88.8513% | 1,594 |
| Equity capital to assets | 10.9673% | 1,810 |
| Core capital (leverage) ratio | 11.4860% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9186% | 1,059 |
| Memoranda: | ||
| Average total assets | $340,553,000 | 2,242 |
| Average earning assets | $321,217,000 | 2,224 |
| Average equity | $38,139,200 | 2,153 |
| Average total loans | $201,588,400 | 2,225 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 1,749 |
| Cost of funding earning assets | 0.3335% | 2,263 |
| Net interest margin | 3.5710% | 1,672 |
| Noninterest income to average assets | 1.7833% | 402 |
| Noninterest expense to average assets | 2.0876% | 3,400 |
| Loan and lease loss provision to assets | 0.1087% | 1,111 |
| Net operating income to assets | 2.3080% | 271 |
| Return on assets (ROA) | 2.3080% | 282 |
| Pretax return on assets | 2.9510% | 182 |
| Return on Equity (ROE) | 20.4948% | 391 |
| Retained earnings to average equity (ytd only) | 18.8019% | 169 |
| Net charge-offs to loans | 0.2039% | 409 |
| Credit loss provision to net charge-offs | 88.1029% | 1,675 |
| Earnings coverage of net charge-offs (x) | 24.7717% | 1,633 |
| Efficiency ratio | 40.2315% | 4,714 |
| Assets per employee ($millions) | 6.4515% | 2,297 |
| Cash dividends to net income (ytd only)* | 8.2602% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4464% | 311 |
| Loan loss allowance to noncurrent loans | 92.1682% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 357 |
| Noncurrent loans to loans | 2.6542% | 272 |
| Net loans and leases to total assets | 49.2221% | 3,501 |
| Net loans and leases to deposits | 55.2193% | 3,641 |
| Net loans and leases to core deposits | 61.9662% | 3,326 |
| Total domestic deposits to total assets | 89.1394% | 1,203 |
| Equity capital to assets | 10.5377% | 2,429 |
| Core capital (leverage) ratio | 11.9965% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7555% | 1,179 |
| Memoranda: | ||
| Average total assets | $335,694,500 | 2,284 |
| Average earning assets | $316,245,250 | 2,268 |
| Average equity | $37,803,750 | 2,190 |
| Average total loans | $203,395,750 | 2,249 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 1,387 |
| Cost of funding earning assets | 0.3707% | 2,132 |
| Net interest margin | 3.7096% | 1,329 |
| Noninterest income to average assets | 1.2663% | 728 |
| Noninterest expense to average assets | 2.1735% | 3,175 |
| Loan and lease loss provision to assets | 0.1620% | 717 |
| Net operating income to assets | 1.9079% | 580 |
| Return on assets (ROA) | 1.9079% | 609 |
| Pretax return on assets | 2.4177% | 405 |
| Return on Equity (ROE) | 16.5126% | 859 |
| Retained earnings to average equity (ytd only) | 13.9045% | 560 |
| Net charge-offs to loans | 0.0689% | 940 |
| Credit loss provision to net charge-offs | 363.3803% | 808 |
| Earnings coverage of net charge-offs (x) | 57.8732% | 985 |
| Efficiency ratio | 45.3573% | 4,551 |
| Assets per employee ($millions) | 6.4587% | 2,195 |
| Cash dividends to net income (ytd only)* | 15.7947% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4354% | 295 |
| Loan loss allowance to noncurrent loans | 88.9086% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.5798% | 340 |
| Noncurrent loans to loans | 2.7392% | 283 |
| Net loans and leases to total assets | 52.5857% | 3,288 |
| Net loans and leases to deposits | 58.5820% | 3,490 |
| Net loans and leases to core deposits | 68.0018% | 2,959 |
| Total domestic deposits to total assets | 89.7642% | 889 |
| Equity capital to assets | 9.9700% | 2,879 |
| Core capital (leverage) ratio | 12.1260% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7337% | 1,004 |
| Memoranda: | ||
| Average total assets | $318,563,333 | 2,367 |
| Average earning assets | $299,440,667 | 2,357 |
| Average equity | $36,808,333 | 2,230 |
| Average total loans | $206,090,667 | 2,235 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 574 |
| Cost of funding earning assets | 0.4409% | 1,793 |
| Net interest margin | 4.2570% | 555 |
| Noninterest income to average assets | 1.4061% | 675 |
| Noninterest expense to average assets | 2.4559% | 2,313 |
| Loan and lease loss provision to assets | 0.1058% | 1,295 |
| Net operating income to assets | 2.1663% | 444 |
| Return on assets (ROA) | 2.1663% | 479 |
| Pretax return on assets | 2.8234% | 296 |
| Return on Equity (ROE) | 17.1855% | 822 |
| Retained earnings to average equity (ytd only) | 17.1855% | 412 |
| Net charge-offs to loans | 0.0562% | 950 |
| Credit loss provision to net charge-offs | 262.0690% | 797 |
| Earnings coverage of net charge-offs (x) | 72.5517% | 744 |
| Efficiency ratio | 45.2430% | 4,514 |
| Assets per employee ($millions) | 5.0934% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3410% | 336 |
| Loan loss allowance to noncurrent loans | 108.0925% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 323 |
| Noncurrent loans to loans | 2.1657% | 466 |
| Net loans and leases to total assets | 69.8628% | 1,307 |
| Net loans and leases to deposits | 80.5275% | 1,473 |
| Net loans and leases to core deposits | 99.0410% | 758 |
| Total domestic deposits to total assets | 86.7564% | 2,419 |
| Equity capital to assets | 12.6749% | 1,002 |
| Core capital (leverage) ratio | 12.6230% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5904% | 1,146 |
| Memoranda: | ||
| Average total assets | $287,313,000 | 2,504 |
| Average earning assets | $268,546,500 | 2,499 |
| Average equity | $36,216,500 | 2,251 |
| Average total loans | $206,442,500 | 2,232 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 222 |
| Cost of funding earning assets | 0.6981% | 1,725 |
| Net interest margin | 4.6998% | 214 |
| Noninterest income to average assets | 0.5319% | 2,503 |
| Noninterest expense to average assets | 2.2203% | 3,622 |
| Loan and lease loss provision to assets | 0.5044% | 482 |
| Net operating income to assets | 1.8784% | 334 |
| Return on assets (ROA) | 1.8877% | 352 |
| Pretax return on assets | 2.2687% | 266 |
| Return on Equity (ROE) | 15.8096% | 526 |
| Retained earnings to average equity (ytd only) | 13.5368% | 213 |
| Net charge-offs to loans | 0.1687% | 988 |
| Credit loss provision to net charge-offs | 387.2222% | 1,472 |
| Earnings coverage of net charge-offs (x) | 21.2028% | 1,907 |
| Efficiency ratio | 43.9683% | 4,788 |
| Assets per employee ($millions) | 4.9018% | 3,504 |
| Cash dividends to net income (ytd only)* | 14.3761% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3465% | 318 |
| Loan loss allowance to noncurrent loans | 139.2021% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 621 |
| Noncurrent loans to loans | 1.6857% | 768 |
| Net loans and leases to total assets | 70.4812% | 1,495 |
| Net loans and leases to deposits | 82.3363% | 1,629 |
| Net loans and leases to core deposits | 102.1836% | 803 |
| Total domestic deposits to total assets | 85.6017% | 2,527 |
| Equity capital to assets | 12.5341% | 1,301 |
| Core capital (leverage) ratio | 12.5894% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9787% | 1,267 |
| Memoranda: | ||
| Average total assets | $276,365,000 | 2,425 |
| Average earning assets | $261,692,800 | 2,392 |
| Average equity | $32,999,000 | 2,336 |
| Average total loans | $213,452,800 | 2,144 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 228 |
| Cost of funding earning assets | 0.7502% | 1,745 |
| Net interest margin | 4.7536% | 225 |
| Noninterest income to average assets | 0.5355% | 2,445 |
| Noninterest expense to average assets | 2.2450% | 3,561 |
| Loan and lease loss provision to assets | 0.5390% | 519 |
| Net operating income to assets | 1.8854% | 381 |
| Return on assets (ROA) | 1.8854% | 422 |
| Pretax return on assets | 2.2717% | 298 |
| Return on Equity (ROE) | 15.9963% | 548 |
| Retained earnings to average equity (ytd only) | 12.9042% | 337 |
| Net charge-offs to loans | 0.0971% | 1,337 |
| Credit loss provision to net charge-offs | 706.3694% | 1,066 |
| Earnings coverage of net charge-offs (x) | 36.8408% | 1,422 |
| Efficiency ratio | 43.7524% | 4,798 |
| Assets per employee ($millions) | 4.9099% | 3,363 |
| Cash dividends to net income (ytd only)* | 19.3299% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 331 |
| Loan loss allowance to noncurrent loans | 130.0275% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 720 |
| Noncurrent loans to loans | 1.7178% | 791 |
| Net loans and leases to total assets | 72.7491% | 1,549 |
| Net loans and leases to deposits | 84.5227% | 1,855 |
| Net loans and leases to core deposits | 101.2917% | 1,074 |
| Total domestic deposits to total assets | 86.0705% | 2,032 |
| Equity capital to assets | 12.0347% | 1,653 |
| Core capital (leverage) ratio | 11.6547% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9888% | 1,497 |
| Memoranda: | ||
| Average total assets | $274,380,250 | 2,405 |
| Average earning assets | $260,904,500 | 2,371 |
| Average equity | $32,340,000 | 2,356 |
| Average total loans | $215,517,000 | 2,134 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 285 |
| Cost of funding earning assets | 0.7981% | 1,839 |
| Net interest margin | 4.7886% | 291 |
| Noninterest income to average assets | 0.5389% | 2,400 |
| Noninterest expense to average assets | 2.2590% | 3,626 |
| Loan and lease loss provision to assets | 0.5721% | 572 |
| Net operating income to assets | 2.3040% | 187 |
| Return on assets (ROA) | 2.3040% | 208 |
| Pretax return on assets | 2.2657% | 322 |
| Return on Equity (ROE) | 19.6933% | 259 |
| Retained earnings to average equity (ytd only) | 14.9609% | 221 |
| Net charge-offs to loans | 0.0987% | 1,283 |
| Credit loss provision to net charge-offs | 724.2991% | 980 |
| Earnings coverage of net charge-offs (x) | 35.9252% | 1,315 |
| Efficiency ratio | 43.5255% | 4,827 |
| Assets per employee ($millions) | 4.9486% | 3,237 |
| Cash dividends to net income (ytd only)* | 24.0308% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 422 |
| Loan loss allowance to noncurrent loans | 95.8010% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 533 |
| Noncurrent loans to loans | 2.1081% | 609 |
| Net loans and leases to total assets | 75.2023% | 1,249 |
| Net loans and leases to deposits | 86.9438% | 1,663 |
| Net loans and leases to core deposits | 119.0240% | 451 |
| Total domestic deposits to total assets | 86.4953% | 1,809 |
| Equity capital to assets | 11.6028% | 1,912 |
| Core capital (leverage) ratio | 11.8545% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3458% | 1,679 |
| Memoranda: | ||
| Average total assets | $270,915,000 | 2,408 |
| Average earning assets | $257,860,000 | 2,371 |
| Average equity | $31,696,000 | 2,376 |
| Average total loans | $216,721,000 | 2,112 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 319 |
| Cost of funding earning assets | 0.8898% | 1,922 |
| Net interest margin | 4.6850% | 344 |
| Noninterest income to average assets | 0.5782% | 2,142 |
| Noninterest expense to average assets | 2.4165% | 3,503 |
| Loan and lease loss provision to assets | 0.4261% | 709 |
| Net operating income to assets | 1.7560% | 448 |
| Return on assets (ROA) | 1.7560% | 496 |
| Pretax return on assets | 2.1745% | 316 |
| Return on Equity (ROE) | 14.9419% | 555 |
| Retained earnings to average equity (ytd only) | 14.9419% | 196 |
| Net charge-offs to loans | 0.0744% | 1,280 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 42.7250% | 1,000 |
| Efficiency ratio | 46.9214% | 4,799 |
| Assets per employee ($millions) | 4.4500% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 630 |
| Loan loss allowance to noncurrent loans | 89.5346% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 550 |
| Noncurrent loans to loans | 2.0993% | 653 |
| Net loans and leases to total assets | 79.9490% | 702 |
| Net loans and leases to deposits | 91.3234% | 1,362 |
| Net loans and leases to core deposits | 112.2924% | 742 |
| Total domestic deposits to total assets | 87.5448% | 1,309 |
| Equity capital to assets | 11.9242% | 2,126 |
| Core capital (leverage) ratio | 11.9813% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9023% | 1,628 |
| Memoranda: | ||
| Average total assets | $262,863,500 | 2,411 |
| Average earning assets | $249,050,000 | 2,375 |
| Average equity | $30,893,000 | 2,409 |
| Average total loans | $214,935,000 | 2,080 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 415 |
| Cost of funding earning assets | 0.9428% | 1,994 |
| Net interest margin | 4.7386% | 431 |
| Noninterest income to average assets | 0.8340% | 1,345 |
| Noninterest expense to average assets | 2.6516% | 3,022 |
| Loan and lease loss provision to assets | 0.4017% | 357 |
| Net operating income to assets | 1.8725% | 457 |
| Return on assets (ROA) | 1.8728% | 479 |
| Pretax return on assets | 2.3055% | 308 |
| Return on Equity (ROE) | 17.1308% | 405 |
| Retained earnings to average equity (ytd only) | 17.1308% | 55 |
| Net charge-offs to loans | 0.1935% | 1,046 |
| Credit loss provision to net charge-offs | 253.3333% | 1,080 |
| Earnings coverage of net charge-offs (x) | 17.0691% | 2,130 |
| Efficiency ratio | 47.8919% | 4,836 |
| Assets per employee ($millions) | 4.3144% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 717 |
| Loan loss allowance to noncurrent loans | 90.0882% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.6365% | 583 |
| Noncurrent loans to loans | 1.9436% | 669 |
| Net loans and leases to total assets | 80.6157% | 715 |
| Net loans and leases to deposits | 91.6767% | 1,407 |
| Net loans and leases to core deposits | 109.9975% | 852 |
| Total domestic deposits to total assets | 87.9347% | 1,153 |
| Equity capital to assets | 11.5812% | 2,456 |
| Core capital (leverage) ratio | 11.5589% | 2,069 |
| Tier 1 risk-based capital ratio | 14.0611% | 3,237 |
| Total risk-based capital ratio | 15.3177% | 3,144 |
| Memoranda: | ||
| Average total assets | $255,390,400 | 2,425 |
| Average earning assets | $243,846,200 | 2,377 |
| Average equity | $27,920,400 | 2,499 |
| Average total loans | $209,260,200 | 2,090 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 453 |
| Cost of funding earning assets | 0.9352% | 2,061 |
| Net interest margin | 4.7123% | 489 |
| Noninterest income to average assets | 0.7812% | 1,480 |
| Noninterest expense to average assets | 2.6109% | 3,137 |
| Loan and lease loss provision to assets | 0.3514% | 388 |
| Net operating income to assets | 1.9329% | 457 |
| Return on assets (ROA) | 1.9333% | 473 |
| Pretax return on assets | 2.3258% | 353 |
| Return on Equity (ROE) | 17.9609% | 396 |
| Retained earnings to average equity (ytd only) | 17.9609% | 67 |
| Net charge-offs to loans | 0.0989% | 1,482 |
| Credit loss provision to net charge-offs | 433.7662% | 709 |
| Earnings coverage of net charge-offs (x) | 33.0387% | 1,537 |
| Efficiency ratio | 47.7564% | 4,865 |
| Assets per employee ($millions) | 4.2633% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 779 |
| Loan loss allowance to noncurrent loans | 99.5394% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4727% | 768 |
| Noncurrent loans to loans | 1.7322% | 843 |
| Net loans and leases to total assets | 81.8648% | 584 |
| Net loans and leases to deposits | 93.9171% | 1,227 |
| Net loans and leases to core deposits | 117.6834% | 605 |
| Total domestic deposits to total assets | 87.1671% | 1,441 |
| Equity capital to assets | 11.4834% | 2,671 |
| Core capital (leverage) ratio | 11.2382% | 2,436 |
| Tier 1 risk-based capital ratio | 13.8181% | 3,413 |
| Total risk-based capital ratio | 15.0744% | 3,322 |
| Memoranda: | ||
| Average total assets | $253,443,750 | 2,460 |
| Average earning assets | $242,365,750 | 2,403 |
| Average equity | $27,280,750 | 2,555 |
| Average total loans | $207,589,500 | 2,123 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 479 |
| Cost of funding earning assets | 0.8982% | 2,152 |
| Net interest margin | 4.6897% | 499 |
| Noninterest income to average assets | 0.7647% | 1,461 |
| Noninterest expense to average assets | 2.6257% | 3,130 |
| Loan and lease loss provision to assets | 0.3301% | 399 |
| Net operating income to assets | 1.9504% | 423 |
| Return on assets (ROA) | 1.9504% | 445 |
| Pretax return on assets | 2.2892% | 366 |
| Return on Equity (ROE) | 18.5382% | 349 |
| Retained earnings to average equity (ytd only) | 18.5382% | 76 |
| Net charge-offs to loans | 0.0301% | 2,251 |
| Credit loss provision to net charge-offs | 1,345.1613% | 271 |
| Earnings coverage of net charge-offs (x) | 106.7419% | 665 |
| Efficiency ratio | 48.4153% | 4,873 |
| Assets per employee ($millions) | 4.3229% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 837 |
| Loan loss allowance to noncurrent loans | 92.6574% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 725 |
| Noncurrent loans to loans | 1.8243% | 822 |
| Net loans and leases to total assets | 80.8594% | 750 |
| Net loans and leases to deposits | 91.5508% | 1,546 |
| Net loans and leases to core deposits | 112.6434% | 841 |
| Total domestic deposits to total assets | 88.3219% | 956 |
| Equity capital to assets | 11.0174% | 3,027 |
| Core capital (leverage) ratio | 10.8154% | 2,773 |
| Tier 1 risk-based capital ratio | 13.1271% | 3,770 |
| Total risk-based capital ratio | 14.3825% | 3,677 |
| Memoranda: | ||
| Average total assets | $252,659,670 | 2,473 |
| Average earning assets | $241,379,330 | 2,423 |
| Average equity | $26,583,000 | 2,593 |
| Average total loans | $205,759,000 | 2,148 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 472 |
| Cost of funding earning assets | 0.8521% | 2,261 |
| Net interest margin | 4.7057% | 487 |
| Noninterest income to average assets | 0.9815% | 849 |
| Noninterest expense to average assets | 2.5626% | 3,325 |
| Loan and lease loss provision to assets | 0.3674% | 319 |
| Net operating income to assets | 2.2747% | 231 |
| Return on assets (ROA) | 2.2747% | 242 |
| Pretax return on assets | 2.5403% | 228 |
| Return on Equity (ROE) | 22.1495% | 170 |
| Retained earnings to average equity (ytd only) | 22.1495% | 70 |
| Net charge-offs to loans | -0.0118% | 4,288 |
| Credit loss provision to net charge-offs | -3,850.0000% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2748% | 5,055 |
| Assets per employee ($millions) | 4.2910% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 982 |
| Loan loss allowance to noncurrent loans | 90.3217% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 790 |
| Noncurrent loans to loans | 1.8184% | 847 |
| Net loans and leases to total assets | 80.3535% | 797 |
| Net loans and leases to deposits | 90.3688% | 1,583 |
| Net loans and leases to core deposits | 106.3692% | 1,152 |
| Total domestic deposits to total assets | 88.9173% | 894 |
| Equity capital to assets | 10.5321% | 3,318 |
| Core capital (leverage) ratio | 10.4846% | 3,068 |
| Tier 1 risk-based capital ratio | 12.2574% | 4,320 |
| Total risk-based capital ratio | 13.5116% | 4,183 |
| Memoranda: | ||
| Average total assets | $251,464,500 | 2,496 |
| Average earning assets | $239,881,500 | 2,454 |
| Average equity | $25,824,500 | 2,657 |
| Average total loans | $203,749,500 | 2,184 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 580 |
| Cost of funding earning assets | 0.6635% | 2,302 |
| Net interest margin | 4.6389% | 559 |
| Noninterest income to average assets | 0.7443% | 1,675 |
| Noninterest expense to average assets | 2.9069% | 2,326 |
| Loan and lease loss provision to assets | 0.4318% | 302 |
| Net operating income to assets | 1.5906% | 891 |
| Return on assets (ROA) | 1.5843% | 902 |
| Pretax return on assets | 1.8239% | 863 |
| Return on Equity (ROE) | 16.1163% | 607 |
| Retained earnings to average equity (ytd only) | 16.1163% | 85 |
| Net charge-offs to loans | 0.3146% | 616 |
| Credit loss provision to net charge-offs | 172.0067% | 1,628 |
| Earnings coverage of net charge-offs (x) | 9.0135% | 2,844 |
| Efficiency ratio | 54.4509% | 4,573 |
| Assets per employee ($millions) | 4.1627% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,081 |
| Loan loss allowance to noncurrent loans | 89.8749% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 832 |
| Noncurrent loans to loans | 1.7521% | 816 |
| Net loans and leases to total assets | 79.0806% | 1,082 |
| Net loans and leases to deposits | 88.3845% | 2,001 |
| Net loans and leases to core deposits | 100.7827% | 1,661 |
| Total domestic deposits to total assets | 89.4735% | 673 |
| Equity capital to assets | 10.0036% | 3,680 |
| Core capital (leverage) ratio | 10.1509% | 3,405 |
| Tier 1 risk-based capital ratio | 11.6763% | 4,635 |
| Total risk-based capital ratio | 12.9294% | 4,518 |
| Memoranda: | ||
| Average total assets | $236,193,400 | 2,569 |
| Average earning assets | $225,333,000 | 2,521 |
| Average equity | $23,218,800 | 2,793 |
| Average total loans | $188,506,000 | 2,260 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 541 |
| Cost of funding earning assets | 0.6131% | 2,387 |
| Net interest margin | 4.6663% | 504 |
| Noninterest income to average assets | 0.7863% | 1,518 |
| Noninterest expense to average assets | 2.9088% | 2,277 |
| Loan and lease loss provision to assets | 0.3557% | 379 |
| Net operating income to assets | 1.7382% | 688 |
| Return on assets (ROA) | 1.7382% | 693 |
| Pretax return on assets | 1.9765% | 660 |
| Return on Equity (ROE) | 17.7658% | 454 |
| Retained earnings to average equity (ytd only) | 17.7658% | 88 |
| Net charge-offs to loans | 0.2840% | 589 |
| Credit loss provision to net charge-offs | 157.2152% | 1,647 |
| Earnings coverage of net charge-offs (x) | 10.3089% | 2,596 |
| Efficiency ratio | 53.7209% | 4,634 |
| Assets per employee ($millions) | 3.9945% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,303 |
| Loan loss allowance to noncurrent loans | 71.7855% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.7474% | 688 |
| Noncurrent loans to loans | 2.1091% | 678 |
| Net loans and leases to total assets | 80.3088% | 967 |
| Net loans and leases to deposits | 90.9721% | 1,765 |
| Net loans and leases to core deposits | 105.8142% | 1,325 |
| Total domestic deposits to total assets | 88.2785% | 1,127 |
| Equity capital to assets | 10.0705% | 3,569 |
| Core capital (leverage) ratio | 9.9991% | 3,638 |
| Tier 1 risk-based capital ratio | 12.3401% | 4,290 |
| Total risk-based capital ratio | 13.5933% | 4,182 |
| Memoranda: | ||
| Average total assets | $232,802,000 | 2,602 |
| Average earning assets | $222,240,500 | 2,557 |
| Average equity | $22,777,250 | 2,848 |
| Average total loans | $185,464,750 | 2,301 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 616 |
| Cost of funding earning assets | 0.5812% | 2,354 |
| Net interest margin | 4.5602% | 606 |
| Noninterest income to average assets | 0.7479% | 1,659 |
| Noninterest expense to average assets | 2.8814% | 2,402 |
| Loan and lease loss provision to assets | 0.3401% | 394 |
| Net operating income to assets | 1.7058% | 711 |
| Return on assets (ROA) | 1.7058% | 719 |
| Pretax return on assets | 1.8628% | 859 |
| Return on Equity (ROE) | 17.6131% | 464 |
| Retained earnings to average equity (ytd only) | 17.6131% | 107 |
| Net charge-offs to loans | 0.3250% | 491 |
| Credit loss provision to net charge-offs | 132.4324% | 1,701 |
| Earnings coverage of net charge-offs (x) | 8.5777% | 2,463 |
| Efficiency ratio | 54.8123% | 4,607 |
| Assets per employee ($millions) | 3.9720% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,357 |
| Loan loss allowance to noncurrent loans | 76.0688% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 806 |
| Noncurrent loans to loans | 1.9887% | 761 |
| Net loans and leases to total assets | 77.2841% | 1,429 |
| Net loans and leases to deposits | 86.2364% | 2,284 |
| Net loans and leases to core deposits | 99.4417% | 1,776 |
| Total domestic deposits to total assets | 89.6189% | 700 |
| Equity capital to assets | 9.7408% | 3,882 |
| Core capital (leverage) ratio | 9.8116% | 3,777 |
| Tier 1 risk-based capital ratio | 12.1243% | 4,418 |
| Total risk-based capital ratio | 13.3771% | 4,296 |
| Memoranda: | ||
| Average total assets | $230,512,670 | 2,634 |
| Average earning assets | $219,199,330 | 2,590 |
| Average equity | $22,324,330 | 2,899 |
| Average total loans | $182,141,330 | 2,336 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 542 |
| Cost of funding earning assets | 0.5666% | 2,271 |
| Net interest margin | 4.5829% | 522 |
| Noninterest income to average assets | 0.7414% | 1,653 |
| Noninterest expense to average assets | 2.8031% | 2,677 |
| Loan and lease loss provision to assets | 0.4289% | 252 |
| Net operating income to assets | 1.7651% | 600 |
| Return on assets (ROA) | 1.7651% | 607 |
| Pretax return on assets | 1.8640% | 790 |
| Return on Equity (ROE) | 18.2820% | 382 |
| Retained earnings to average equity (ytd only) | 18.2820% | 143 |
| Net charge-offs to loans | 0.4697% | 323 |
| Credit loss provision to net charge-offs | 115.1659% | 1,417 |
| Earnings coverage of net charge-offs (x) | 6.1564% | 2,177 |
| Efficiency ratio | 53.1347% | 4,868 |
| Assets per employee ($millions) | 3.9390% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,356 |
| Loan loss allowance to noncurrent loans | 88.9068% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 1,026 |
| Noncurrent loans to loans | 1.7181% | 994 |
| Net loans and leases to total assets | 78.0188% | 1,234 |
| Net loans and leases to deposits | 87.0171% | 2,049 |
| Net loans and leases to core deposits | 98.0564% | 1,831 |
| Total domestic deposits to total assets | 89.6592% | 809 |
| Equity capital to assets | 9.7587% | 3,830 |
| Core capital (leverage) ratio | 9.6099% | 3,952 |
| Tier 1 risk-based capital ratio | 11.9329% | 4,585 |
| Total risk-based capital ratio | 13.1860% | 4,485 |
| Memoranda: | ||
| Average total assets | $226,610,000 | 2,691 |
| Average earning assets | $215,324,500 | 2,641 |
| Average equity | $21,879,500 | 2,963 |
| Average total loans | $179,706,500 | 2,365 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 452 |
| Cost of funding earning assets | 0.4965% | 2,367 |
| Net interest margin | 4.6970% | 425 |
| Noninterest income to average assets | 0.9268% | 1,196 |
| Noninterest expense to average assets | 3.1744% | 1,669 |
| Loan and lease loss provision to assets | 0.6328% | 200 |
| Net operating income to assets | 1.1794% | 1,585 |
| Return on assets (ROA) | 1.2085% | 1,524 |
| Pretax return on assets | 1.6087% | 1,264 |
| Return on Equity (ROE) | 12.6333% | 1,047 |
| Retained earnings to average equity (ytd only) | 12.6333% | 151 |
| Net charge-offs to loans | 0.5863% | 392 |
| Credit loss provision to net charge-offs | 134.3936% | 1,969 |
| Earnings coverage of net charge-offs (x) | 4.6779% | 3,431 |
| Efficiency ratio | 57.1466% | 4,630 |
| Assets per employee ($millions) | 3.9431% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,309 |
| Loan loss allowance to noncurrent loans | 105.1558% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1822% | 1,256 |
| Noncurrent loans to loans | 1.4568% | 1,176 |
| Net loans and leases to total assets | 78.1604% | 1,269 |
| Net loans and leases to deposits | 86.9035% | 2,147 |
| Net loans and leases to core deposits | 99.1802% | 1,773 |
| Total domestic deposits to total assets | 89.9394% | 592 |
| Equity capital to assets | 9.5499% | 4,194 |
| Core capital (leverage) ratio | 9.5488% | 3,979 |
| Tier 1 risk-based capital ratio | 11.6243% | 4,771 |
| Total risk-based capital ratio | 12.8777% | 4,658 |
| Memoranda: | ||
| Average total assets | $213,648,000 | 2,781 |
| Average earning assets | $202,426,000 | 2,747 |
| Average equity | $20,438,000 | 3,093 |
| Average total loans | $171,596,200 | 2,406 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 424 |
| Cost of funding earning assets | 0.4825% | 2,412 |
| Net interest margin | 4.7068% | 403 |
| Noninterest income to average assets | 0.8245% | 1,500 |
| Noninterest expense to average assets | 3.0350% | 2,017 |
| Loan and lease loss provision to assets | 0.4110% | 324 |
| Net operating income to assets | 1.4679% | 962 |
| Return on assets (ROA) | 1.5099% | 900 |
| Pretax return on assets | 1.8905% | 704 |
| Return on Equity (ROE) | 15.7764% | 549 |
| Retained earnings to average equity (ytd only) | 15.7764% | 96 |
| Net charge-offs to loans | 0.3602% | 585 |
| Credit loss provision to net charge-offs | 141.6122% | 1,761 |
| Earnings coverage of net charge-offs (x) | 7.7495% | 2,844 |
| Efficiency ratio | 55.4745% | 4,795 |
| Assets per employee ($millions) | 3.6995% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,599 |
| Loan loss allowance to noncurrent loans | 110.1709% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 1,449 |
| Noncurrent loans to loans | 1.3459% | 1,405 |
| Net loans and leases to total assets | 81.2233% | 803 |
| Net loans and leases to deposits | 91.1805% | 1,665 |
| Net loans and leases to core deposits | 104.3220% | 1,366 |
| Total domestic deposits to total assets | 89.0797% | 844 |
| Equity capital to assets | 10.1725% | 3,723 |
| Core capital (leverage) ratio | 9.8523% | 3,749 |
| Tier 1 risk-based capital ratio | 11.9096% | 4,696 |
| Total risk-based capital ratio | 13.1622% | 4,567 |
| Memoranda: | ||
| Average total assets | $210,870,750 | 2,836 |
| Average earning assets | $199,789,250 | 2,796 |
| Average equity | $20,181,500 | 3,143 |
| Average total loans | $169,894,250 | 2,437 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 476 |
| Cost of funding earning assets | 0.4776% | 2,349 |
| Net interest margin | 4.6173% | 466 |
| Noninterest income to average assets | 0.8024% | 1,565 |
| Noninterest expense to average assets | 2.9772% | 2,179 |
| Loan and lease loss provision to assets | 0.3433% | 426 |
| Net operating income to assets | 1.3309% | 1,213 |
| Return on assets (ROA) | 1.3658% | 1,168 |
| Pretax return on assets | 1.9045% | 641 |
| Return on Equity (ROE) | 14.5761% | 725 |
| Retained earnings to average equity (ytd only) | 14.5761% | 155 |
| Net charge-offs to loans | 0.1483% | 1,263 |
| Credit loss provision to net charge-offs | 289.6000% | 981 |
| Earnings coverage of net charge-offs (x) | 18.5520% | 1,874 |
| Efficiency ratio | 55.5148% | 4,874 |
| Assets per employee ($millions) | 3.5890% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 1,469 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 2,354 |
| Noncurrent loans to loans | 0.8614% | 2,260 |
| Net loans and leases to total assets | 81.0527% | 807 |
| Net loans and leases to deposits | 92.2926% | 1,455 |
| Net loans and leases to core deposits | 106.0605% | 1,228 |
| Total domestic deposits to total assets | 87.8215% | 1,547 |
| Equity capital to assets | 9.8909% | 4,040 |
| Core capital (leverage) ratio | 9.2502% | 4,435 |
| Tier 1 risk-based capital ratio | 11.5137% | 4,946 |
| Total risk-based capital ratio | 12.7671% | 4,839 |
| Memoranda: | ||
| Average total assets | $210,870,000 | 2,852 |
| Average earning assets | $199,769,000 | 2,809 |
| Average equity | $19,758,330 | 3,183 |
| Average total loans | $168,573,670 | 2,457 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 564 |
| Cost of funding earning assets | 0.4753% | 2,303 |
| Net interest margin | 4.4776% | 547 |
| Noninterest income to average assets | 0.8161% | 1,495 |
| Noninterest expense to average assets | 2.9516% | 2,296 |
| Loan and lease loss provision to assets | 0.3449% | 350 |
| Net operating income to assets | 1.4549% | 883 |
| Return on assets (ROA) | 1.5003% | 836 |
| Pretax return on assets | 1.8000% | 802 |
| Return on Equity (ROE) | 16.4607% | 468 |
| Retained earnings to average equity (ytd only) | 16.4607% | 183 |
| Net charge-offs to loans | 0.0670% | 1,661 |
| Credit loss provision to net charge-offs | 653.5714% | 481 |
| Earnings coverage of net charge-offs (x) | 39.6071% | 1,047 |
| Efficiency ratio | 56.4860% | 4,891 |
| Assets per employee ($millions) | 3.7454% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 1,650 |
| Loan loss allowance to noncurrent loans | 231.9343% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 2,956 |
| Noncurrent loans to loans | 0.6524% | 2,872 |
| Net loans and leases to total assets | 78.8858% | 998 |
| Net loans and leases to deposits | 87.7452% | 1,834 |
| Net loans and leases to core deposits | 99.8763% | 1,511 |
| Total domestic deposits to total assets | 89.9032% | 705 |
| Equity capital to assets | 9.4479% | 4,343 |
| Core capital (leverage) ratio | 8.8696% | 4,883 |
| Tier 1 risk-based capital ratio | 11.2837% | 5,147 |
| Total risk-based capital ratio | 12.5368% | 5,055 |
| Memoranda: | ||
| Average total assets | $212,224,000 | 2,863 |
| Average earning assets | $200,286,500 | 2,827 |
| Average equity | $19,343,000 | 3,249 |
| Average total loans | $167,188,000 | 2,488 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 504 |
| Cost of funding earning assets | 0.4255% | 2,753 |
| Net interest margin | 4.6706% | 440 |
| Noninterest income to average assets | 0.9690% | 1,213 |
| Noninterest expense to average assets | 3.2147% | 1,757 |
| Loan and lease loss provision to assets | 0.3177% | 581 |
| Net operating income to assets | 1.4838% | 863 |
| Return on assets (ROA) | 1.4842% | 881 |
| Pretax return on assets | 1.8511% | 690 |
| Return on Equity (ROE) | 16.8997% | 418 |
| Retained earnings to average equity (ytd only) | 16.8997% | 75 |
| Net charge-offs to loans | 0.4376% | 583 |
| Credit loss provision to net charge-offs | 93.4307% | 2,738 |
| Earnings coverage of net charge-offs (x) | 6.3766% | 3,183 |
| Efficiency ratio | 57.7093% | 4,887 |
| Assets per employee ($millions) | 3.7019% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,938 |
| Loan loss allowance to noncurrent loans | 217.5934% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 3,053 |
| Noncurrent loans to loans | 0.6593% | 2,878 |
| Net loans and leases to total assets | 76.3791% | 1,457 |
| Net loans and leases to deposits | 84.3680% | 2,371 |
| Net loans and leases to core deposits | 97.0344% | 1,833 |
| Total domestic deposits to total assets | 90.5309% | 440 |
| Equity capital to assets | 8.7887% | 5,026 |
| Core capital (leverage) ratio | 8.7026% | 5,073 |
| Tier 1 risk-based capital ratio | 10.7242% | 5,477 |
| Total risk-based capital ratio | 11.9759% | 5,382 |
| Memoranda: | ||
| Average total assets | $201,451,400 | 2,941 |
| Average earning assets | $190,384,000 | 2,890 |
| Average equity | $17,692,600 | 3,459 |
| Average total loans | $156,518,200 | 2,563 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 508 |
| Cost of funding earning assets | 0.4103% | 2,926 |
| Net interest margin | 4.6792% | 446 |
| Noninterest income to average assets | 0.9899% | 1,166 |
| Noninterest expense to average assets | 3.1392% | 1,933 |
| Loan and lease loss provision to assets | 0.4307% | 320 |
| Net operating income to assets | 1.5391% | 814 |
| Return on assets (ROA) | 1.5396% | 854 |
| Pretax return on assets | 1.8485% | 806 |
| Return on Equity (ROE) | 17.5339% | 392 |
| Retained earnings to average equity (ytd only) | 17.5339% | 85 |
| Net charge-offs to loans | 0.4275% | 501 |
| Credit loss provision to net charge-offs | 129.5547% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.8542% | 2,950 |
| Efficiency ratio | 55.9185% | 5,071 |
| Assets per employee ($millions) | 3.5117% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 1,517 |
| Loan loss allowance to noncurrent loans | 102.0182% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 1,489 |
| Noncurrent loans to loans | 1.5565% | 1,393 |
| Net loans and leases to total assets | 78.4425% | 1,127 |
| Net loans and leases to deposits | 88.2791% | 1,981 |
| Net loans and leases to core deposits | 99.1738% | 1,714 |
| Total domestic deposits to total assets | 88.8575% | 984 |
| Equity capital to assets | 9.1477% | 5,027 |
| Core capital (leverage) ratio | 8.7222% | 5,138 |
| Tier 1 risk-based capital ratio | 10.6045% | 5,568 |
| Total risk-based capital ratio | 11.8586% | 5,485 |
| Memoranda: | ||
| Average total assets | $198,137,250 | 2,987 |
| Average earning assets | $187,492,500 | 2,938 |
| Average equity | $17,398,250 | 3,523 |
| Average total loans | $154,053,000 | 2,591 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 537 |
| Cost of funding earning assets | 0.3968% | 3,077 |
| Net interest margin | 4.6501% | 460 |
| Noninterest income to average assets | 1.0678% | 981 |
| Noninterest expense to average assets | 3.1321% | 1,970 |
| Loan and lease loss provision to assets | 0.4198% | 353 |
| Net operating income to assets | 1.6049% | 715 |
| Return on assets (ROA) | 1.6058% | 760 |
| Pretax return on assets | 1.9115% | 677 |
| Return on Equity (ROE) | 18.5554% | 322 |
| Retained earnings to average equity (ytd only) | 18.5554% | 75 |
| Net charge-offs to loans | 0.3794% | 606 |
| Credit loss provision to net charge-offs | 143.5540% | 1,646 |
| Earnings coverage of net charge-offs (x) | 7.9686% | 2,565 |
| Efficiency ratio | 55.3068% | 5,214 |
| Assets per employee ($millions) | 3.5328% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,407 |
| Loan loss allowance to noncurrent loans | 163.8053% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 2,470 |
| Noncurrent loans to loans | 1.0059% | 2,276 |
| Net loans and leases to total assets | 77.1435% | 1,309 |
| Net loans and leases to deposits | 86.0291% | 2,254 |
| Net loans and leases to core deposits | 94.5630% | 2,105 |
| Total domestic deposits to total assets | 89.6714% | 602 |
| Equity capital to assets | 9.0629% | 5,195 |
| Core capital (leverage) ratio | 8.4519% | 5,402 |
| Tier 1 risk-based capital ratio | 10.5506% | 5,652 |
| Total risk-based capital ratio | 11.8051% | 5,560 |
| Memoranda: | ||
| Average total assets | $196,290,000 | 3,025 |
| Average earning assets | $185,502,000 | 2,982 |
| Average equity | $16,987,000 | 3,591 |
| Average total loans | $151,287,670 | 2,629 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 621 |
| Cost of funding earning assets | 0.3954% | 3,130 |
| Net interest margin | 4.5693% | 532 |
| Noninterest income to average assets | 1.2828% | 666 |
| Noninterest expense to average assets | 3.1486% | 1,962 |
| Loan and lease loss provision to assets | 0.4910% | 257 |
| Net operating income to assets | 1.5716% | 747 |
| Return on assets (ROA) | 1.5733% | 779 |
| Pretax return on assets | 1.9477% | 631 |
| Return on Equity (ROE) | 18.6249% | 318 |
| Retained earnings to average equity (ytd only) | 18.6249% | 117 |
| Net charge-offs to loans | 0.4419% | 513 |
| Credit loss provision to net charge-offs | 145.4545% | 1,297 |
| Earnings coverage of net charge-offs (x) | 7.2182% | 2,163 |
| Efficiency ratio | 54.3590% | 5,355 |
| Assets per employee ($millions) | 3.4936% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 1,483 |
| Loan loss allowance to noncurrent loans | 162.4757% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 2,392 |
| Noncurrent loans to loans | 1.0163% | 2,351 |
| Net loans and leases to total assets | 76.3240% | 1,339 |
| Net loans and leases to deposits | 85.1744% | 2,175 |
| Net loans and leases to core deposits | 93.0187% | 2,085 |
| Total domestic deposits to total assets | 89.6090% | 779 |
| Equity capital to assets | 8.6817% | 5,437 |
| Core capital (leverage) ratio | 8.1572% | 5,678 |
| Tier 1 risk-based capital ratio | 10.1457% | 5,878 |
| Total risk-based capital ratio | 11.4002% | 5,807 |
| Memoranda: | ||
| Average total assets | $195,515,500 | 3,037 |
| Average earning assets | $184,100,000 | 3,005 |
| Average equity | $16,515,500 | 3,660 |
| Average total loans | $149,343,000 | 2,660 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 924 |
| Cost of funding earning assets | 0.4097% | 3,052 |
| Net interest margin | 4.3923% | 812 |
| Noninterest income to average assets | 0.8341% | 1,660 |
| Noninterest expense to average assets | 3.1621% | 2,057 |
| Loan and lease loss provision to assets | 1.3530% | 58 |
| Net operating income to assets | 0.4464% | 4,896 |
| Return on assets (ROA) | 0.5039% | 4,768 |
| Pretax return on assets | 0.5205% | 5,063 |
| Return on Equity (ROE) | 6.2633% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.2633% | 1,665 |
| Net charge-offs to loans | 1.7556% | 79 |
| Credit loss provision to net charge-offs | 110.8177% | 2,280 |
| Earnings coverage of net charge-offs (x) | 1.4859% | 4,075 |
| Efficiency ratio | 62.1317% | 4,583 |
| Assets per employee ($millions) | 3.5525% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,456 |
| Loan loss allowance to noncurrent loans | 134.7368% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 2,230 |
| Noncurrent loans to loans | 1.2291% | 1,919 |
| Net loans and leases to total assets | 73.9168% | 1,745 |
| Net loans and leases to deposits | 81.2541% | 2,683 |
| Net loans and leases to core deposits | 87.6722% | 2,633 |
| Total domestic deposits to total assets | 90.9699% | 287 |
| Equity capital to assets | 8.2123% | 5,754 |
| Core capital (leverage) ratio | 7.8445% | 5,894 |
| Tier 1 risk-based capital ratio | 9.9050% | 5,969 |
| Total risk-based capital ratio | 11.1589% | 5,930 |
| Memoranda: | ||
| Average total assets | $192,308,800 | 3,022 |
| Average earning assets | $181,363,800 | 2,990 |
| Average equity | $15,471,200 | 3,763 |
| Average total loans | $133,741,000 | 2,827 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 847 |
| Cost of funding earning assets | 0.4107% | 3,118 |
| Net interest margin | 4.4435% | 729 |
| Noninterest income to average assets | 0.8360% | 1,666 |
| Noninterest expense to average assets | 3.1499% | 2,083 |
| Loan and lease loss provision to assets | 1.4660% | 34 |
| Net operating income to assets | 0.4148% | 5,108 |
| Return on assets (ROA) | 0.4476% | 5,067 |
| Pretax return on assets | 0.4559% | 5,337 |
| Return on Equity (ROE) | 5.5933% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.5933% | 2,525 |
| Net charge-offs to loans | 2.0010% | 58 |
| Credit loss provision to net charge-offs | 107.5587% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.3856% | 3,845 |
| Efficiency ratio | 61.2048% | 4,690 |
| Assets per employee ($millions) | 3.6569% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,609 |
| Loan loss allowance to noncurrent loans | 105.9199% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 2,073 |
| Noncurrent loans to loans | 1.5578% | 1,600 |
| Net loans and leases to total assets | 70.2108% | 2,356 |
| Net loans and leases to deposits | 78.7864% | 3,013 |
| Net loans and leases to core deposits | 86.3703% | 2,813 |
| Total domestic deposits to total assets | 89.1154% | 967 |
| Equity capital to assets | 7.9784% | 5,964 |
| Core capital (leverage) ratio | 7.5280% | 6,051 |
| Tier 1 risk-based capital ratio | 9.9337% | 6,063 |
| Total risk-based capital ratio | 11.1874% | 6,019 |
| Memoranda: | ||
| Average total assets | $191,538,500 | 3,060 |
| Average earning assets | $181,145,750 | 3,009 |
| Average equity | $15,327,500 | 3,819 |
| Average total loans | $130,461,750 | 2,901 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 1,027 |
| Cost of funding earning assets | 0.4113% | 3,144 |
| Net interest margin | 4.3107% | 901 |
| Noninterest income to average assets | 0.7691% | 1,918 |
| Noninterest expense to average assets | 3.0797% | 2,304 |
| Loan and lease loss provision to assets | 1.7662% | 32 |
| Net operating income to assets | 0.0654% | 5,918 |
| Return on assets (ROA) | 0.1076% | 5,916 |
| Pretax return on assets | 0.0454% | 5,982 |
| Return on Equity (ROE) | 1.3434% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.3434% | 5,009 |
| Net charge-offs to loans | 2.5252% | 50 |
| Credit loss provision to net charge-offs | 104.4292% | 1,990 |
| Earnings coverage of net charge-offs (x) | 1.0462% | 3,585 |
| Efficiency ratio | 63.5117% | 4,426 |
| Assets per employee ($millions) | 3.6512% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 1,741 |
| Loan loss allowance to noncurrent loans | 137.5535% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 2,808 |
| Noncurrent loans to loans | 1.1997% | 2,261 |
| Net loans and leases to total assets | 67.9813% | 2,647 |
| Net loans and leases to deposits | 74.3650% | 3,451 |
| Net loans and leases to core deposits | 80.3123% | 3,359 |
| Total domestic deposits to total assets | 91.4157% | 198 |
| Equity capital to assets | 7.5881% | 6,102 |
| Core capital (leverage) ratio | 7.1716% | 6,161 |
| Tier 1 risk-based capital ratio | 9.9409% | 6,106 |
| Total risk-based capital ratio | 11.1942% | 6,060 |
| Memoranda: | ||
| Average total assets | $189,561,000 | 3,108 |
| Average earning assets | $179,415,330 | 3,048 |
| Average equity | $15,185,000 | 3,857 |
| Average total loans | $126,958,330 | 2,965 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,018 |
| Cost of funding earning assets | 0.4179% | 3,104 |
| Net interest margin | 4.2907% | 892 |
| Noninterest income to average assets | 0.7171% | 2,084 |
| Noninterest expense to average assets | 3.3161% | 1,682 |
| Loan and lease loss provision to assets | 0.8721% | 99 |
| Net operating income to assets | 0.5749% | 4,389 |
| Return on assets (ROA) | 0.5297% | 4,661 |
| Pretax return on assets | 0.5297% | 5,098 |
| Return on Equity (ROE) | 6.4326% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.4326% | 2,269 |
| Net charge-offs to loans | -0.0785% | 5,740 |
| Credit loss provision to net charge-offs | -1,687.5000% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6203% | 3,555 |
| Assets per employee ($millions) | 3.9141% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0394% | 1,010 |
| Loan loss allowance to noncurrent loans | 105.2058% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 2,128 |
| Noncurrent loans to loans | 1.9385% | 1,375 |
| Net loans and leases to total assets | 61.5260% | 3,445 |
| Net loans and leases to deposits | 67.3749% | 4,015 |
| Net loans and leases to core deposits | 72.8992% | 3,882 |
| Total domestic deposits to total assets | 91.3189% | 273 |
| Equity capital to assets | 7.5967% | 6,151 |
| Core capital (leverage) ratio | 7.3976% | 6,175 |
| Tier 1 risk-based capital ratio | 10.0120% | 6,165 |
| Total risk-based capital ratio | 11.2697% | 6,115 |
| Memoranda: | ||
| Average total assets | $185,760,000 | 3,167 |
| Average earning assets | $175,171,000 | 3,114 |
| Average equity | $15,297,000 | 3,874 |
| Average total loans | $122,296,000 | 3,054 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 1,002 |
| Cost of funding earning assets | 0.4930% | 2,737 |
| Net interest margin | 4.3625% | 945 |
| Noninterest income to average assets | 1.1151% | 980 |
| Noninterest expense to average assets | 2.8535% | 3,287 |
| Loan and lease loss provision to assets | 0.8035% | 152 |
| Net operating income to assets | 1.3025% | 1,303 |
| Return on assets (ROA) | 1.3266% | 1,292 |
| Pretax return on assets | 1.5795% | 1,296 |
| Return on Equity (ROE) | 15.3150% | 726 |
| Retained earnings to average equity (ytd only) | 15.3150% | 139 |
| Net charge-offs to loans | 0.8299% | 413 |
| Credit loss provision to net charge-offs | 140.1747% | 1,691 |
| Earnings coverage of net charge-offs (x) | 4.1070% | 3,739 |
| Efficiency ratio | 54.7945% | 5,781 |
| Assets per employee ($millions) | 3.9996% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 1,390 |
| Loan loss allowance to noncurrent loans | 124.3151% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 2,614 |
| Noncurrent loans to loans | 1.5005% | 1,950 |
| Net loans and leases to total assets | 68.2085% | 2,527 |
| Net loans and leases to deposits | 77.1957% | 3,061 |
| Net loans and leases to core deposits | 84.6246% | 2,834 |
| Total domestic deposits to total assets | 88.3579% | 1,592 |
| Equity capital to assets | 9.0079% | 5,280 |
| Core capital (leverage) ratio | 9.4316% | 4,335 |
| Tier 1 risk-based capital ratio | 12.2682% | 5,182 |
| Total risk-based capital ratio | 13.5252% | 5,089 |
| Memoranda: | ||
| Average total assets | $159,801,800 | 3,493 |
| Average earning assets | $149,913,600 | 3,442 |
| Average equity | $13,842,600 | 4,052 |
| Average total loans | $110,369,200 | 3,209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,054 |
| Cost of funding earning assets | 0.5021% | 2,736 |
| Net interest margin | 4.3295% | 990 |
| Noninterest income to average assets | 0.9001% | 1,521 |
| Noninterest expense to average assets | 2.8499% | 3,285 |
| Loan and lease loss provision to assets | 0.6567% | 194 |
| Net operating income to assets | 1.2529% | 1,517 |
| Return on assets (ROA) | 1.2863% | 1,466 |
| Pretax return on assets | 1.4993% | 1,651 |
| Return on Equity (ROE) | 15.0092% | 822 |
| Retained earnings to average equity (ytd only) | 15.0092% | 204 |
| Net charge-offs to loans | 0.6913% | 507 |
| Credit loss provision to net charge-offs | 137.7660% | 1,700 |
| Earnings coverage of net charge-offs (x) | 4.4415% | 3,459 |
| Efficiency ratio | 57.3762% | 5,527 |
| Assets per employee ($millions) | 3.8120% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 1,495 |
| Loan loss allowance to noncurrent loans | 112.7648% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 2,548 |
| Noncurrent loans to loans | 1.6693% | 1,954 |
| Net loans and leases to total assets | 65.8607% | 2,893 |
| Net loans and leases to deposits | 73.4766% | 3,500 |
| Net loans and leases to core deposits | 77.7106% | 3,566 |
| Total domestic deposits to total assets | 89.6350% | 921 |
| Equity capital to assets | 8.9934% | 5,360 |
| Core capital (leverage) ratio | 9.1558% | 4,842 |
| Tier 1 risk-based capital ratio | 12.8908% | 4,923 |
| Total risk-based capital ratio | 14.1476% | 4,838 |
| Memoranda: | ||
| Average total assets | $157,756,000 | 3,547 |
| Average earning assets | $148,187,500 | 3,508 |
| Average equity | $13,520,250 | 4,124 |
| Average total loans | $108,772,000 | 3,265 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 909 |
| Cost of funding earning assets | 0.5144% | 2,678 |
| Net interest margin | 4.3881% | 868 |
| Noninterest income to average assets | 0.9479% | 1,336 |
| Noninterest expense to average assets | 2.9113% | 3,125 |
| Loan and lease loss provision to assets | 0.6867% | 196 |
| Net operating income to assets | 1.2954% | 1,326 |
| Return on assets (ROA) | 1.3951% | 1,121 |
| Pretax return on assets | 1.5582% | 1,369 |
| Return on Equity (ROE) | 16.5566% | 597 |
| Retained earnings to average equity (ytd only) | 16.5566% | 152 |
| Net charge-offs to loans | 0.4487% | 906 |
| Credit loss provision to net charge-offs | 220.0000% | 1,084 |
| Earnings coverage of net charge-offs (x) | 6.8367% | 2,716 |
| Efficiency ratio | 57.7020% | 5,592 |
| Assets per employee ($millions) | 3.9244% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 1,508 |
| Loan loss allowance to noncurrent loans | 169.1318% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 3,322 |
| Noncurrent loans to loans | 1.1420% | 2,949 |
| Net loans and leases to total assets | 69.7954% | 2,122 |
| Net loans and leases to deposits | 78.0330% | 2,798 |
| Net loans and leases to core deposits | 82.7535% | 2,891 |
| Total domestic deposits to total assets | 89.4435% | 1,124 |
| Equity capital to assets | 9.0936% | 5,209 |
| Core capital (leverage) ratio | 8.9157% | 5,142 |
| Tier 1 risk-based capital ratio | 12.2421% | 5,387 |
| Total risk-based capital ratio | 13.4999% | 5,307 |
| Memoranda: | ||
| Average total assets | $156,972,670 | 3,580 |
| Average earning assets | $146,578,000 | 3,548 |
| Average equity | $13,227,330 | 4,181 |
| Average total loans | $109,206,000 | 3,264 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 1,003 |
| Cost of funding earning assets | 0.5297% | 2,609 |
| Net interest margin | 4.2921% | 1,013 |
| Noninterest income to average assets | 0.8003% | 1,747 |
| Noninterest expense to average assets | 2.9346% | 3,101 |
| Loan and lease loss provision to assets | 0.8884% | 130 |
| Net operating income to assets | 0.6554% | 3,921 |
| Return on assets (ROA) | 0.7475% | 3,515 |
| Pretax return on assets | 1.0873% | 2,968 |
| Return on Equity (ROE) | 9.2222% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.2222% | 1,185 |
| Net charge-offs to loans | 0.3439% | 1,039 |
| Credit loss provision to net charge-offs | 375.5319% | 678 |
| Earnings coverage of net charge-offs (x) | 7.7872% | 2,092 |
| Efficiency ratio | 61.4331% | 5,214 |
| Assets per employee ($millions) | 3.7638% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 1,690 |
| Loan loss allowance to noncurrent loans | 265.9383% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 4,231 |
| Noncurrent loans to loans | 0.7226% | 4,058 |
| Net loans and leases to total assets | 66.8012% | 2,432 |
| Net loans and leases to deposits | 73.9513% | 3,066 |
| Net loans and leases to core deposits | 77.9413% | 3,212 |
| Total domestic deposits to total assets | 90.3314% | 904 |
| Equity capital to assets | 8.2605% | 5,858 |
| Core capital (leverage) ratio | 8.3291% | 5,822 |
| Tier 1 risk-based capital ratio | 11.8129% | 5,753 |
| Total risk-based capital ratio | 13.0711% | 5,686 |
| Memoranda: | ||
| Average total assets | $158,932,500 | 3,574 |
| Average earning assets | $147,247,000 | 3,561 |
| Average equity | $12,882,000 | 4,256 |
| Average total loans | $109,345,000 | 3,277 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 1,271 |
| Cost of funding earning assets | 0.5641% | 2,983 |
| Net interest margin | 4.2578% | 1,199 |
| Noninterest income to average assets | 0.8432% | 1,892 |
| Noninterest expense to average assets | 3.1263% | 2,651 |
| Loan and lease loss provision to assets | 0.7995% | 270 |
| Net operating income to assets | 0.8519% | 3,020 |
| Return on assets (ROA) | 0.7826% | 3,487 |
| Pretax return on assets | 0.8559% | 3,936 |
| Return on Equity (ROE) | 8.9228% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.9228% | 788 |
| Net charge-offs to loans | 0.9237% | 657 |
| Credit loss provision to net charge-offs | 128.5391% | 1,829 |
| Earnings coverage of net charge-offs (x) | 2.7837% | 4,074 |
| Efficiency ratio | 64.3561% | 4,839 |
| Assets per employee ($millions) | 3.9947% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 2,647 |
| Loan loss allowance to noncurrent loans | 173.7044% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 3,892 |
| Noncurrent loans to loans | 0.9385% | 3,641 |
| Net loans and leases to total assets | 68.3491% | 2,292 |
| Net loans and leases to deposits | 75.4088% | 3,045 |
| Net loans and leases to core deposits | 80.1375% | 3,116 |
| Total domestic deposits to total assets | 90.6382% | 736 |
| Equity capital to assets | 7.9518% | 6,055 |
| Core capital (leverage) ratio | 8.3498% | 5,824 |
| Tier 1 risk-based capital ratio | 11.4348% | 5,940 |
| Total risk-based capital ratio | 12.6891% | 5,881 |
| Memoranda: | ||
| Average total assets | $141,955,200 | 3,845 |
| Average earning assets | $133,848,000 | 3,756 |
| Average equity | $12,451,200 | 4,367 |
| Average total loans | $95,597,400 | 3,562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,484 |
| Cost of funding earning assets | 0.5671% | 3,104 |
| Net interest margin | 4.1791% | 1,401 |
| Noninterest income to average assets | 0.7447% | 2,387 |
| Noninterest expense to average assets | 3.0642% | 2,776 |
| Loan and lease loss provision to assets | 0.4335% | 665 |
| Net operating income to assets | 0.9978% | 2,381 |
| Return on assets (ROA) | 0.9978% | 2,473 |
| Pretax return on assets | 1.2131% | 2,644 |
| Return on Equity (ROE) | 11.0754% | 1,791 |
| Retained earnings to average equity (ytd only) | 11.0754% | 564 |
| Net charge-offs to loans | 0.5494% | 1,159 |
| Credit loss provision to net charge-offs | 118.2540% | 1,986 |
| Earnings coverage of net charge-offs (x) | 4.4920% | 3,426 |
| Efficiency ratio | 65.0473% | 4,640 |
| Assets per employee ($millions) | 3.8082% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,347 |
| Loan loss allowance to noncurrent loans | 129.6414% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 3,645 |
| Noncurrent loans to loans | 1.1783% | 3,467 |
| Net loans and leases to total assets | 68.8527% | 2,164 |
| Net loans and leases to deposits | 76.7691% | 2,852 |
| Net loans and leases to core deposits | 81.3941% | 2,949 |
| Total domestic deposits to total assets | 89.6880% | 1,176 |
| Equity capital to assets | 8.2408% | 5,966 |
| Core capital (leverage) ratio | 8.3297% | 5,940 |
| Tier 1 risk-based capital ratio | 11.7833% | 5,914 |
| Total risk-based capital ratio | 13.0368% | 5,862 |
| Memoranda: | ||
| Average total assets | $137,497,250 | 3,963 |
| Average earning assets | $130,487,250 | 3,872 |
| Average equity | $12,387,500 | 4,417 |
| Average total loans | $91,741,000 | 3,670 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,870 |
| Cost of funding earning assets | 0.5670% | 3,245 |
| Net interest margin | 4.0280% | 1,765 |
| Noninterest income to average assets | 0.6775% | 2,753 |
| Noninterest expense to average assets | 3.0780% | 2,732 |
| Loan and lease loss provision to assets | 0.3274% | 1,056 |
| Net operating income to assets | 0.7740% | 3,442 |
| Return on assets (ROA) | 0.7740% | 3,589 |
| Pretax return on assets | 1.0879% | 3,143 |
| Return on Equity (ROE) | 8.3196% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.3196% | 1,358 |
| Net charge-offs to loans | 0.5920% | 1,115 |
| Credit loss provision to net charge-offs | 84.4358% | 2,547 |
| Earnings coverage of net charge-offs (x) | 3.6498% | 3,339 |
| Efficiency ratio | 68.5024% | 4,097 |
| Assets per employee ($millions) | 3.9423% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 3,516 |
| Loan loss allowance to noncurrent loans | 118.0545% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 3,798 |
| Noncurrent loans to loans | 1.2838% | 3,408 |
| Net loans and leases to total assets | 62.5101% | 3,195 |
| Net loans and leases to deposits | 68.0938% | 4,000 |
| Net loans and leases to core deposits | 73.8332% | 3,841 |
| Total domestic deposits to total assets | 91.7999% | 294 |
| Equity capital to assets | 7.8126% | 6,309 |
| Core capital (leverage) ratio | 7.5046% | 6,450 |
| Tier 1 risk-based capital ratio | 11.6941% | 6,001 |
| Total risk-based capital ratio | 12.9467% | 5,949 |
| Memoranda: | ||
| Average total assets | $132,553,670 | 4,086 |
| Average earning assets | $125,572,330 | 4,000 |
| Average equity | $12,332,330 | 4,457 |
| Average total loans | $86,818,330 | 3,800 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 1,348 |
| Cost of funding earning assets | 0.5959% | 3,140 |
| Net interest margin | 4.1749% | 1,260 |
| Noninterest income to average assets | 0.7334% | 2,412 |
| Noninterest expense to average assets | 2.6070% | 4,386 |
| Loan and lease loss provision to assets | 0.2200% | 1,684 |
| Net operating income to assets | 1.3735% | 1,095 |
| Return on assets (ROA) | 1.3735% | 1,183 |
| Pretax return on assets | 1.8536% | 797 |
| Return on Equity (ROE) | 13.3566% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.3566% | 512 |
| Net charge-offs to loans | 0.8980% | 676 |
| Credit loss provision to net charge-offs | 36.6667% | 2,792 |
| Earnings coverage of net charge-offs (x) | 3.4556% | 2,762 |
| Efficiency ratio | 55.6980% | 6,091 |
| Assets per employee ($millions) | 4.3766% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,739 |
| Loan loss allowance to noncurrent loans | 84.8912% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 3,102 |
| Noncurrent loans to loans | 2.0844% | 2,525 |
| Net loans and leases to total assets | 65.4146% | 2,475 |
| Net loans and leases to deposits | 73.0308% | 3,044 |
| Net loans and leases to core deposits | 81.6091% | 2,627 |
| Total domestic deposits to total assets | 89.5713% | 1,314 |
| Equity capital to assets | 10.2158% | 3,888 |
| Core capital (leverage) ratio | 10.1706% | 3,181 |
| Tier 1 risk-based capital ratio | 15.0533% | 3,799 |
| Total risk-based capital ratio | 16.3102% | 3,749 |
| Memoranda: | ||
| Average total assets | $119,984,000 | 4,397 |
| Average earning assets | $113,438,500 | 4,302 |
| Average equity | $12,338,500 | 4,507 |
| Average total loans | $80,182,000 | 4,009 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 792 |
| Cost of funding earning assets | 0.6525% | 3,897 |
| Net interest margin | 4.7253% | 621 |
| Noninterest income to average assets | 0.7137% | 2,648 |
| Noninterest expense to average assets | 2.8190% | 3,950 |
| Loan and lease loss provision to assets | 0.3651% | 1,803 |
| Net operating income to assets | 1.5142% | 890 |
| Return on assets (ROA) | 1.5645% | 882 |
| Pretax return on assets | 2.0648% | 528 |
| Return on Equity (ROE) | 13.8133% | 1,028 |
| Retained earnings to average equity (ytd only) | -2.4281% | 6,215 |
| Net charge-offs to loans | 0.2939% | 3,178 |
| Credit loss provision to net charge-offs | 182.1101% | 1,444 |
| Earnings coverage of net charge-offs (x) | 11.7890% | 1,997 |
| Efficiency ratio | 54.3922% | 6,226 |
| Assets per employee ($millions) | 3.9141% | 4,119 |
| Cash dividends to net income (ytd only)* | 117.5779% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 2,078 |
| Loan loss allowance to noncurrent loans | 92.1348% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5278% | 3,089 |
| Noncurrent loans to loans | 2.1471% | 2,526 |
| Net loans and leases to total assets | 65.7449% | 2,567 |
| Net loans and leases to deposits | 73.4138% | 3,187 |
| Net loans and leases to core deposits | 82.4529% | 2,721 |
| Total domestic deposits to total assets | 89.5539% | 1,217 |
| Equity capital to assets | 10.3541% | 3,689 |
| Core capital (leverage) ratio | 10.3002% | 3,015 |
| Tier 1 risk-based capital ratio | 15.1546% | 3,633 |
| Total risk-based capital ratio | 16.4140% | 3,575 |
| Memoranda: | ||
| Average total assets | $108,726,000 | 4,618 |
| Average earning assets | $102,828,800 | 4,521 |
| Average equity | $12,314,200 | 4,499 |
| Average total loans | $74,164,000 | 4,202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4325% | 778 |
| Cost of funding earning assets | 0.6627% | 4,078 |
| Net interest margin | 4.7699% | 587 |
| Noninterest income to average assets | 0.7308% | 2,563 |
| Noninterest expense to average assets | 2.8180% | 3,921 |
| Loan and lease loss provision to assets | 0.5180% | 1,167 |
| Net operating income to assets | 1.4553% | 1,115 |
| Return on assets (ROA) | 1.4553% | 1,237 |
| Pretax return on assets | 1.9070% | 857 |
| Return on Equity (ROE) | 12.5524% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.5524% | 434 |
| Net charge-offs to loans | 0.3835% | 2,560 |
| Credit loss provision to net charge-offs | 197.1429% | 1,407 |
| Earnings coverage of net charge-offs (x) | 9.2287% | 2,349 |
| Efficiency ratio | 53.7470% | 6,280 |
| Assets per employee ($millions) | 3.6586% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0276% | 2,091 |
| Loan loss allowance to noncurrent loans | 120.0152% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.3694% | 3,556 |
| Noncurrent loans to loans | 1.6895% | 3,261 |
| Net loans and leases to total assets | 69.6885% | 1,973 |
| Net loans and leases to deposits | 80.3015% | 2,345 |
| Net loans and leases to core deposits | 90.3772% | 1,940 |
| Total domestic deposits to total assets | 86.7835% | 2,807 |
| Equity capital to assets | 11.8425% | 2,400 |
| Core capital (leverage) ratio | 11.3148% | 2,124 |
| Tier 1 risk-based capital ratio | 16.4662% | 3,022 |
| Total risk-based capital ratio | 17.7275% | 2,978 |
| Memoranda: | ||
| Average total assets | $106,552,000 | 4,720 |
| Average earning assets | $100,797,250 | 4,626 |
| Average equity | $12,353,250 | 4,530 |
| Average total loans | $73,015,750 | 4,294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 897 |
| Cost of funding earning assets | 0.6715% | 4,264 |
| Net interest margin | 4.7127% | 656 |
| Noninterest income to average assets | 0.7186% | 2,560 |
| Noninterest expense to average assets | 2.8782% | 3,710 |
| Loan and lease loss provision to assets | 0.4911% | 1,296 |
| Net operating income to assets | 1.3841% | 1,221 |
| Return on assets (ROA) | 1.3841% | 1,367 |
| Pretax return on assets | 1.7936% | 1,058 |
| Return on Equity (ROE) | 12.0280% | 1,658 |
| Retained earnings to average equity (ytd only) | 12.0280% | 578 |
| Net charge-offs to loans | 0.4486% | 2,260 |
| Credit loss provision to net charge-offs | 161.8750% | 1,724 |
| Earnings coverage of net charge-offs (x) | 7.5313% | 2,461 |
| Efficiency ratio | 55.7473% | 6,144 |
| Assets per employee ($millions) | 3.5553% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0048% | 2,213 |
| Loan loss allowance to noncurrent loans | 220.9268% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 4,336 |
| Noncurrent loans to loans | 0.9074% | 4,685 |
| Net loans and leases to total assets | 67.7355% | 2,321 |
| Net loans and leases to deposits | 76.8951% | 2,853 |
| Net loans and leases to core deposits | 83.7004% | 2,731 |
| Total domestic deposits to total assets | 88.0882% | 2,085 |
| Equity capital to assets | 11.7430% | 2,373 |
| Core capital (leverage) ratio | 11.1119% | 2,193 |
| Tier 1 risk-based capital ratio | 16.4700% | 2,937 |
| Total risk-based capital ratio | 17.7291% | 2,893 |
| Memoranda: | ||
| Average total assets | $105,483,670 | 4,761 |
| Average earning assets | $99,475,670 | 4,680 |
| Average equity | $12,138,330 | 4,575 |
| Average total loans | $71,330,670 | 4,376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 865 |
| Cost of funding earning assets | 0.6817% | 4,446 |
| Net interest margin | 4.7517% | 625 |
| Noninterest income to average assets | 0.6711% | 2,809 |
| Noninterest expense to average assets | 2.9095% | 3,590 |
| Loan and lease loss provision to assets | 0.4080% | 1,546 |
| Net operating income to assets | 1.4147% | 1,197 |
| Return on assets (ROA) | 1.4147% | 1,343 |
| Pretax return on assets | 1.8189% | 1,037 |
| Return on Equity (ROE) | 12.4236% | 1,548 |
| Retained earnings to average equity (ytd only) | 12.4236% | 762 |
| Net charge-offs to loans | 0.0627% | 3,870 |
| Credit loss provision to net charge-offs | 972.7273% | 361 |
| Earnings coverage of net charge-offs (x) | 53.0909% | 605 |
| Efficiency ratio | 56.6444% | 6,060 |
| Assets per employee ($millions) | 3.6510% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 2,172 |
| Loan loss allowance to noncurrent loans | 172.5146% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 4,045 |
| Noncurrent loans to loans | 1.1995% | 4,332 |
| Net loans and leases to total assets | 65.9303% | 2,481 |
| Net loans and leases to deposits | 74.6080% | 3,026 |
| Net loans and leases to core deposits | 83.7466% | 2,574 |
| Total domestic deposits to total assets | 88.3689% | 2,088 |
| Equity capital to assets | 11.4384% | 2,494 |
| Core capital (leverage) ratio | 11.1269% | 2,164 |
| Tier 1 risk-based capital ratio | 15.0613% | 3,718 |
| Total risk-based capital ratio | 16.3190% | 3,670 |
| Memoranda: | ||
| Average total assets | $104,896,000 | 4,811 |
| Average earning assets | $98,575,500 | 4,725 |
| Average equity | $11,945,000 | 4,621 |
| Average total loans | $70,134,000 | 4,443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 1,610 |
| Cost of funding earning assets | 0.9601% | 3,644 |
| Net interest margin | 4.3741% | 1,467 |
| Noninterest income to average assets | 0.8222% | 1,958 |
| Noninterest expense to average assets | 3.0041% | 3,577 |
| Loan and lease loss provision to assets | 0.4929% | 2,141 |
| Net operating income to assets | 1.1635% | 1,628 |
| Return on assets (ROA) | 1.1667% | 1,726 |
| Pretax return on assets | 1.4617% | 1,589 |
| Return on Equity (ROE) | 10.4255% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.8839% | 592 |
| Net charge-offs to loans | 0.3696% | 3,559 |
| Credit loss provision to net charge-offs | 209.4421% | 1,177 |
| Earnings coverage of net charge-offs (x) | 8.2876% | 2,175 |
| Efficiency ratio | 60.6320% | 5,659 |
| Assets per employee ($millions) | 3.7111% | 4,531 |
| Cash dividends to net income (ytd only)* | 5.1948% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 2,282 |
| Loan loss allowance to noncurrent loans | 105.5896% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 3,743 |
| Noncurrent loans to loans | 1.8931% | 3,352 |
| Net loans and leases to total assets | 65.0618% | 2,968 |
| Net loans and leases to deposits | 74.3498% | 3,442 |
| Net loans and leases to core deposits | 82.4828% | 3,110 |
| Total domestic deposits to total assets | 87.5077% | 2,463 |
| Equity capital to assets | 11.3356% | 2,657 |
| Core capital (leverage) ratio | 10.9936% | 2,273 |
| Tier 1 risk-based capital ratio | 16.4217% | 2,853 |
| Total risk-based capital ratio | 17.6607% | 2,829 |
| Memoranda: | ||
| Average total assets | $98,997,200 | 4,917 |
| Average earning assets | $93,527,200 | 4,823 |
| Average equity | $11,078,600 | 4,760 |
| Average total loans | $63,049,200 | 4,749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,677 |
| Cost of funding earning assets | 0.9876% | 3,769 |
| Net interest margin | 4.3618% | 1,524 |
| Noninterest income to average assets | 0.7241% | 2,457 |
| Noninterest expense to average assets | 3.0193% | 3,487 |
| Loan and lease loss provision to assets | 0.5114% | 1,935 |
| Net operating income to assets | 1.0579% | 2,112 |
| Return on assets (ROA) | 1.0623% | 2,240 |
| Pretax return on assets | 1.3187% | 2,224 |
| Return on Equity (ROE) | 9.5257% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.1589% | 1,087 |
| Net charge-offs to loans | 0.2902% | 3,639 |
| Credit loss provision to net charge-offs | 279.8507% | 1,026 |
| Earnings coverage of net charge-offs (x) | 9.9852% | 1,980 |
| Efficiency ratio | 62.3311% | 5,361 |
| Assets per employee ($millions) | 3.4677% | 5,075 |
| Cash dividends to net income (ytd only)* | 3.8512% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 2,184 |
| Loan loss allowance to noncurrent loans | 109.2874% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 4,025 |
| Noncurrent loans to loans | 1.8830% | 3,528 |
| Net loans and leases to total assets | 64.6009% | 3,187 |
| Net loans and leases to deposits | 74.5231% | 3,587 |
| Net loans and leases to core deposits | 83.0795% | 3,180 |
| Total domestic deposits to total assets | 86.6858% | 2,834 |
| Equity capital to assets | 11.4288% | 2,755 |
| Core capital (leverage) ratio | 10.7430% | 2,623 |
| Tier 1 risk-based capital ratio | 16.5809% | 2,823 |
| Total risk-based capital ratio | 17.8413% | 2,781 |
| Memoranda: | ||
| Average total assets | $97,768,500 | 4,985 |
| Average earning assets | $92,344,500 | 4,888 |
| Average equity | $10,903,500 | 4,830 |
| Average total loans | $61,565,000 | 4,846 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 1,765 |
| Cost of funding earning assets | 1.0157% | 3,841 |
| Net interest margin | 4.3199% | 1,598 |
| Noninterest income to average assets | 0.7414% | 2,311 |
| Noninterest expense to average assets | 3.0773% | 3,342 |
| Loan and lease loss provision to assets | 0.3594% | 2,632 |
| Net operating income to assets | 1.0531% | 2,026 |
| Return on assets (ROA) | 1.0595% | 2,102 |
| Pretax return on assets | 1.3714% | 1,890 |
| Return on Equity (ROE) | 9.5825% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.0221% | 1,103 |
| Net charge-offs to loans | 0.2401% | 3,688 |
| Credit loss provision to net charge-offs | 241.6667% | 1,251 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 1,703 |
| Efficiency ratio | 64.1136% | 5,216 |
| Assets per employee ($millions) | 3.2721% | 5,477 |
| Cash dividends to net income (ytd only)* | 5.8480% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 2,596 |
| Loan loss allowance to noncurrent loans | 186.8902% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 5,415 |
| Noncurrent loans to loans | 1.0290% | 4,939 |
| Net loans and leases to total assets | 61.6424% | 3,959 |
| Net loans and leases to deposits | 69.2950% | 4,524 |
| Net loans and leases to core deposits | 76.5118% | 4,248 |
| Total domestic deposits to total assets | 88.9565% | 1,560 |
| Equity capital to assets | 10.8818% | 3,088 |
| Core capital (leverage) ratio | 10.7134% | 2,504 |
| Tier 1 risk-based capital ratio | 17.0322% | 2,504 |
| Total risk-based capital ratio | 18.2916% | 2,479 |
| Memoranda: | ||
| Average total assets | $96,837,330 | 5,052 |
| Average earning assets | $90,973,330 | 4,968 |
| Average equity | $10,707,000 | 4,869 |
| Average total loans | $59,977,000 | 4,959 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 1,576 |
| Cost of funding earning assets | 1.0508% | 3,847 |
| Net interest margin | 4.3437% | 1,437 |
| Noninterest income to average assets | 0.7362% | 2,344 |
| Noninterest expense to average assets | 3.1098% | 3,205 |
| Loan and lease loss provision to assets | 0.3131% | 2,667 |
| Net operating income to assets | 1.1043% | 1,829 |
| Return on assets (ROA) | 1.1043% | 1,878 |
| Pretax return on assets | 1.3709% | 1,810 |
| Return on Equity (ROE) | 9.9037% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.9037% | 1,141 |
| Net charge-offs to loans | 0.2410% | 3,113 |
| Credit loss provision to net charge-offs | 211.4286% | 1,419 |
| Earnings coverage of net charge-offs (x) | 11.3714% | 1,557 |
| Efficiency ratio | 64.8720% | 5,209 |
| Assets per employee ($millions) | 3.3939% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 2,508 |
| Loan loss allowance to noncurrent loans | 150.4528% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 4,964 |
| Noncurrent loans to loans | 1.3042% | 4,519 |
| Net loans and leases to total assets | 59.0386% | 4,454 |
| Net loans and leases to deposits | 66.3171% | 4,925 |
| Net loans and leases to core deposits | 71.4310% | 4,864 |
| Total domestic deposits to total assets | 89.0248% | 1,761 |
| Equity capital to assets | 10.8675% | 2,807 |
| Core capital (leverage) ratio | 11.0517% | 2,151 |
| Tier 1 risk-based capital ratio | 17.0737% | 2,447 |
| Total risk-based capital ratio | 18.3319% | 2,418 |
| Memoranda: | ||
| Average total assets | $94,538,500 | 5,151 |
| Average earning assets | $88,312,000 | 5,083 |
| Average equity | $10,541,500 | 4,910 |
| Average total loans | $58,089,000 | 5,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2164% | 543 |
| Cost of funding earning assets | 1.0826% | 5,240 |
| Net interest margin | 5.1339% | 330 |
| Noninterest income to average assets | 0.9856% | 1,557 |
| Noninterest expense to average assets | 3.5371% | 2,078 |
| Loan and lease loss provision to assets | 0.2535% | 4,765 |
| Net operating income to assets | 1.4852% | 792 |
| Return on assets (ROA) | 1.4852% | 853 |
| Pretax return on assets | 1.9985% | 478 |
| Return on Equity (ROE) | 11.9843% | 1,316 |
| Retained earnings to average equity (ytd only) | 11.9843% | 275 |
| Net charge-offs to loans | 0.1679% | 5,325 |
| Credit loss provision to net charge-offs | 231.8182% | 1,271 |
| Earnings coverage of net charge-offs (x) | 20.5909% | 996 |
| Efficiency ratio | 61.0992% | 5,876 |
| Assets per employee ($millions) | 3.1260% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 2,366 |
| Loan loss allowance to noncurrent loans | 141.3836% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 4,960 |
| Noncurrent loans to loans | 1.3970% | 4,387 |
| Net loans and leases to total assets | 61.5344% | 4,390 |
| Net loans and leases to deposits | 69.5492% | 4,870 |
| Net loans and leases to core deposits | 73.5074% | 5,040 |
| Total domestic deposits to total assets | 88.4761% | 1,959 |
| Equity capital to assets | 11.4577% | 2,298 |
| Core capital (leverage) ratio | 12.0208% | 1,536 |
| Tier 1 risk-based capital ratio | 18.5169% | 1,837 |
| Total risk-based capital ratio | 19.7773% | 1,800 |
| Memoranda: | ||
| Average total assets | $80,460,800 | 5,581 |
| Average earning assets | $75,284,200 | 5,499 |
| Average equity | $9,971,400 | 5,145 |
| Average total loans | $52,404,800 | 5,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1518% | 676 |
| Cost of funding earning assets | 1.0852% | 5,521 |
| Net interest margin | 5.0666% | 380 |
| Noninterest income to average assets | 1.0199% | 1,416 |
| Noninterest expense to average assets | 3.5270% | 1,973 |
| Loan and lease loss provision to assets | 0.2190% | 4,875 |
| Net operating income to assets | 1.5333% | 858 |
| Return on assets (ROA) | 1.5333% | 940 |
| Pretax return on assets | 2.0279% | 588 |
| Return on Equity (ROE) | 12.1068% | 1,473 |
| Retained earnings to average equity (ytd only) | 12.1068% | 449 |
| Net charge-offs to loans | 0.1170% | 5,375 |
| Credit loss provision to net charge-offs | 284.4444% | 1,137 |
| Earnings coverage of net charge-offs (x) | 29.1770% | 896 |
| Efficiency ratio | 61.0848% | 5,776 |
| Assets per employee ($millions) | 2.7319% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 2,201 |
| Loan loss allowance to noncurrent loans | 88.8436% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 3,873 |
| Noncurrent loans to loans | 2.2579% | 3,375 |
| Net loans and leases to total assets | 67.2725% | 3,389 |
| Net loans and leases to deposits | 77.4955% | 3,921 |
| Net loans and leases to core deposits | 82.0254% | 4,247 |
| Total domestic deposits to total assets | 86.8083% | 2,643 |
| Equity capital to assets | 13.0226% | 1,564 |
| Core capital (leverage) ratio | 12.4249% | 1,452 |
| Tier 1 risk-based capital ratio | 18.8806% | 1,780 |
| Total risk-based capital ratio | 20.1413% | 1,740 |
| Memoranda: | ||
| Average total assets | $77,912,250 | 5,720 |
| Average earning assets | $73,103,750 | 5,632 |
| Average equity | $9,867,500 | 5,237 |
| Average total loans | $51,279,000 | 5,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0676% | 814 |
| Cost of funding earning assets | 1.0811% | 5,777 |
| Net interest margin | 4.9865% | 433 |
| Noninterest income to average assets | 1.0507% | 1,217 |
| Noninterest expense to average assets | 3.4876% | 2,058 |
| Loan and lease loss provision to assets | 0.1549% | 5,346 |
| Net operating income to assets | 1.6031% | 725 |
| Return on assets (ROA) | 1.6031% | 777 |
| Pretax return on assets | 2.0755% | 514 |
| Return on Equity (ROE) | 12.7808% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.7808% | 404 |
| Net charge-offs to loans | 0.0080% | 6,248 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 77 |
| Efficiency ratio | 60.9932% | 5,860 |
| Assets per employee ($millions) | 2.5929% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 2,020 |
| Loan loss allowance to noncurrent loans | 72.7645% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 3,444 |
| Noncurrent loans to loans | 2.8530% | 2,806 |
| Net loans and leases to total assets | 64.6419% | 4,121 |
| Net loans and leases to deposits | 74.3611% | 4,619 |
| Net loans and leases to core deposits | 78.4471% | 4,875 |
| Total domestic deposits to total assets | 86.9297% | 2,566 |
| Equity capital to assets | 12.9328% | 1,598 |
| Core capital (leverage) ratio | 12.2759% | 1,508 |
| Tier 1 risk-based capital ratio | 19.5620% | 1,590 |
| Total risk-based capital ratio | 20.8237% | 1,561 |
| Memoranda: | ||
| Average total assets | $77,475,000 | 5,766 |
| Average earning assets | $72,516,000 | 5,688 |
| Average equity | $9,717,670 | 5,283 |
| Average total loans | $50,243,000 | 5,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0256% | 928 |
| Cost of funding earning assets | 1.1076% | 5,868 |
| Net interest margin | 4.9180% | 497 |
| Noninterest income to average assets | 0.9519% | 1,445 |
| Noninterest expense to average assets | 3.5489% | 1,848 |
| Loan and lease loss provision to assets | 0.0414% | 6,260 |
| Net operating income to assets | 1.6037% | 744 |
| Return on assets (ROA) | 1.6037% | 798 |
| Pretax return on assets | 1.9555% | 659 |
| Return on Equity (ROE) | 12.9891% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.9891% | 620 |
| Net charge-offs to loans | -0.1851% | 7,653 |
| Credit loss provision to net charge-offs | -34.7826% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9925% | 5,495 |
| Assets per employee ($millions) | 2.6752% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 1,983 |
| Loan loss allowance to noncurrent loans | 74.9099% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.9567% | 3,555 |
| Noncurrent loans to loans | 2.7869% | 2,870 |
| Net loans and leases to total assets | 62.8126% | 4,582 |
| Net loans and leases to deposits | 72.0261% | 5,043 |
| Net loans and leases to core deposits | 77.7776% | 5,051 |
| Total domestic deposits to total assets | 87.2080% | 2,522 |
| Equity capital to assets | 12.5367% | 1,737 |
| Core capital (leverage) ratio | 12.0397% | 1,635 |
| Tier 1 risk-based capital ratio | 19.4656% | 1,622 |
| Total risk-based capital ratio | 20.7275% | 1,597 |
| Memoranda: | ||
| Average total assets | $77,319,000 | 5,841 |
| Average earning assets | $72,225,000 | 5,768 |
| Average equity | $9,546,500 | 5,365 |
| Average total loans | $49,690,000 | 5,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4428% | 748 |
| Cost of funding earning assets | 1.2587% | 6,443 |
| Net interest margin | 5.1841% | 304 |
| Noninterest income to average assets | 0.9869% | 1,621 |
| Noninterest expense to average assets | 3.4133% | 2,630 |
| Loan and lease loss provision to assets | 0.6132% | 3,345 |
| Net operating income to assets | 1.3581% | 924 |
| Return on assets (ROA) | 1.3658% | 960 |
| Pretax return on assets | 1.8593% | 561 |
| Return on Equity (ROE) | 11.7989% | 1,212 |
| Retained earnings to average equity (ytd only) | 11.4579% | 253 |
| Net charge-offs to loans | 0.8193% | 2,778 |
| Credit loss provision to net charge-offs | 116.7920% | 4,641 |
| Earnings coverage of net charge-offs (x) | 4.6892% | 2,847 |
| Efficiency ratio | 58.0963% | 6,748 |
| Assets per employee ($millions) | 2.5686% | 7,089 |
| Cash dividends to net income (ytd only)* | 2.8902% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 1,952 |
| Loan loss allowance to noncurrent loans | 76.4215% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,688 |
| Noncurrent loans to loans | 2.6587% | 2,887 |
| Net loans and leases to total assets | 63.0733% | 4,790 |
| Net loans and leases to deposits | 71.9139% | 5,343 |
| Net loans and leases to core deposits | 95.1284% | 4,557 |
| Total domestic deposits to total assets | 87.7067% | 2,119 |
| Equity capital to assets | 12.1558% | 1,929 |
| Core capital (leverage) ratio | 11.9833% | 1,672 |
| Tier 1 risk-based capital ratio | 18.5182% | 1,747 |
| Total risk-based capital ratio | 19.7794% | 1,707 |
| Memoranda: | ||
| Average total assets | $75,997,600 | 5,838 |
| Average earning assets | $71,661,200 | 5,760 |
| Average equity | $8,797,400 | 5,666 |
| Average total loans | $48,700,400 | 5,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4853% | 772 |
| Cost of funding earning assets | 1.3023% | 6,553 |
| Net interest margin | 5.1830% | 311 |
| Noninterest income to average assets | 0.9806% | 1,669 |
| Noninterest expense to average assets | 3.4119% | 2,541 |
| Loan and lease loss provision to assets | 0.6532% | 2,790 |
| Net operating income to assets | 1.3208% | 1,175 |
| Return on assets (ROA) | 1.3310% | 1,216 |
| Pretax return on assets | 1.8415% | 745 |
| Return on Equity (ROE) | 11.6461% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.6461% | 386 |
| Net charge-offs to loans | 0.9050% | 2,161 |
| Credit loss provision to net charge-offs | 112.7660% | 4,507 |
| Earnings coverage of net charge-offs (x) | 4.2826% | 3,188 |
| Efficiency ratio | 57.9026% | 6,729 |
| Assets per employee ($millions) | 2.5310% | 7,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 1,706 |
| Loan loss allowance to noncurrent loans | 60.4551% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.2943% | 2,983 |
| Noncurrent loans to loans | 3.3758% | 2,234 |
| Net loans and leases to total assets | 64.2838% | 4,801 |
| Net loans and leases to deposits | 74.1556% | 5,345 |
| Net loans and leases to core deposits | 95.6671% | 4,845 |
| Total domestic deposits to total assets | 86.6876% | 2,336 |
| Equity capital to assets | 12.4949% | 1,958 |
| Core capital (leverage) ratio | 11.4341% | 2,108 |
| Tier 1 risk-based capital ratio | 18.7045% | 1,816 |
| Total risk-based capital ratio | 19.9658% | 1,773 |
| Memoranda: | ||
| Average total assets | $75,732,500 | 5,883 |
| Average earning assets | $71,770,750 | 5,791 |
| Average equity | $8,655,000 | 5,769 |
| Average total loans | $48,472,750 | 5,783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4559% | 907 |
| Cost of funding earning assets | 1.3601% | 6,621 |
| Net interest margin | 5.0957% | 359 |
| Noninterest income to average assets | 0.9227% | 1,881 |
| Noninterest expense to average assets | 3.3695% | 2,727 |
| Loan and lease loss provision to assets | 0.6770% | 2,400 |
| Net operating income to assets | 1.2411% | 1,381 |
| Return on assets (ROA) | 1.2678% | 1,389 |
| Pretax return on assets | 1.7409% | 949 |
| Return on Equity (ROE) | 11.4346% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.4346% | 504 |
| Net charge-offs to loans | 0.7988% | 2,084 |
| Credit loss provision to net charge-offs | 133.5052% | 3,492 |
| Earnings coverage of net charge-offs (x) | 4.6959% | 3,034 |
| Efficiency ratio | 58.5909% | 6,749 |
| Assets per employee ($millions) | 2.6369% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 1,413 |
| Loan loss allowance to noncurrent loans | 50.4261% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.6088% | 2,467 |
| Noncurrent loans to loans | 4.1459% | 1,604 |
| Net loans and leases to total assets | 61.6103% | 5,422 |
| Net loans and leases to deposits | 69.5779% | 6,035 |
| Net loans and leases to core deposits | 85.9745% | 5,909 |
| Total domestic deposits to total assets | 88.5486% | 1,509 |
| Equity capital to assets | 11.3062% | 2,676 |
| Core capital (leverage) ratio | 10.6478% | 2,701 |
| Tier 1 risk-based capital ratio | 17.5726% | 2,122 |
| Total risk-based capital ratio | 18.8338% | 2,076 |
| Memoranda: | ||
| Average total assets | $76,510,670 | 5,901 |
| Average earning assets | $72,492,330 | 5,811 |
| Average equity | $8,483,000 | 5,847 |
| Average total loans | $48,575,000 | 5,825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4391% | 977 |
| Cost of funding earning assets | 1.3996% | 6,731 |
| Net interest margin | 5.0395% | 368 |
| Noninterest income to average assets | 0.8676% | 2,002 |
| Noninterest expense to average assets | 3.3137% | 2,618 |
| Loan and lease loss provision to assets | 0.8833% | 1,485 |
| Net operating income to assets | 1.0195% | 2,233 |
| Return on assets (ROA) | 1.0715% | 2,198 |
| Pretax return on assets | 1.5053% | 1,656 |
| Return on Equity (ROE) | 9.7602% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.7602% | 1,264 |
| Net charge-offs to loans | 0.8524% | 1,534 |
| Credit loss provision to net charge-offs | 162.5000% | 2,618 |
| Earnings coverage of net charge-offs (x) | 4.2596% | 2,927 |
| Efficiency ratio | 58.8672% | 6,568 |
| Assets per employee ($millions) | 2.7003% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0547% | 1,319 |
| Loan loss allowance to noncurrent loans | 51.2481% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 2.5068% | 2,295 |
| Noncurrent loans to loans | 4.0092% | 1,499 |
| Net loans and leases to total assets | 61.2402% | 5,458 |
| Net loans and leases to deposits | 68.8439% | 6,096 |
| Net loans and leases to core deposits | 88.1479% | 5,728 |
| Total domestic deposits to total assets | 88.9552% | 1,246 |
| Equity capital to assets | 10.8239% | 3,152 |
| Core capital (leverage) ratio | 10.5801% | 2,840 |
| Tier 1 risk-based capital ratio | 16.5931% | 2,477 |
| Total risk-based capital ratio | 17.8540% | 2,404 |
| Memoranda: | ||
| Average total assets | $76,530,500 | 5,926 |
| Average earning assets | $72,308,500 | 5,832 |
| Average equity | $8,401,500 | 5,919 |
| Average total loans | $48,802,500 | 5,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0629% | 988 |
| Cost of funding earning assets | 2.1106% | 6,002 |
| Net interest margin | 4.9523% | 565 |
| Noninterest income to average assets | 1.0735% | 1,369 |
| Noninterest expense to average assets | 3.0074% | 4,058 |
| Loan and lease loss provision to assets | 0.5374% | 2,677 |
| Net operating income to assets | 1.5749% | 879 |
| Return on assets (ROA) | 1.6029% | 797 |
| Pretax return on assets | 2.2154% | 386 |
| Return on Equity (ROE) | 15.8009% | 800 |
| Retained earnings to average equity (ytd only) | 15.4045% | 79 |
| Net charge-offs to loans | 0.7166% | 1,724 |
| Credit loss provision to net charge-offs | 120.7831% | 4,448 |
| Earnings coverage of net charge-offs (x) | 6.0994% | 3,440 |
| Efficiency ratio | 52.5650% | 7,425 |
| Assets per employee ($millions) | 2.6698% | 6,851 |
| Cash dividends to net income (ytd only)* | 2.5084% | 4,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 1,352 |
| Loan loss allowance to noncurrent loans | 54.3303% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.3170% | 2,101 |
| Noncurrent loans to loans | 3.5606% | 1,421 |
| Net loans and leases to total assets | 63.8128% | 5,308 |
| Net loans and leases to deposits | 72.1130% | 6,048 |
| Net loans and leases to core deposits | 91.5181% | 5,683 |
| Total domestic deposits to total assets | 88.4901% | 1,254 |
| Equity capital to assets | 11.1394% | 2,935 |
| Core capital (leverage) ratio | 10.7960% | 2,747 |
| Tier 1 risk-based capital ratio | 16.4124% | 2,516 |
| Total risk-based capital ratio | 17.6712% | 2,451 |
| Memoranda: | ||
| Average total assets | $74,614,800 | 5,889 |
| Average earning assets | $70,028,000 | 5,820 |
| Average equity | $7,569,200 | 6,249 |
| Average total loans | $46,327,000 | 5,861 |