Home > South Central State Bank > Performance and Condition Ratios
South Central State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 884 |
| Cost of funding earning assets | 1.3623% | 2,326 |
| Net interest margin | 4.3825% | 720 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2230% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1993% | 338 |
| Return on assets (ROA) | 2.2446% | 310 |
| Pretax return on assets | 2.1119% | 559 |
| Return on Equity (ROE) | 18.7200% | 737 |
| Retained earnings to average equity (ytd only) | 9.5002% | 1,133 |
| Net charge-offs to loans | 0.0009% | 2,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3,738.0000% | 28 |
| Efficiency ratio | 51.8237% | 3,848 |
| Assets per employee ($millions) | 9.8642% | 737 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 3,660 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.8700% | 2,587 |
| Net loans and leases to deposits | 80.6543% | 2,055 |
| Net loans and leases to core deposits | 91.8988% | 1,909 |
| Total domestic deposits to total assets | 77.9400% | 3,735 |
| Equity capital to assets | 11.4424% | 1,309 |
| Core capital (leverage) ratio | 12.4186% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0500% | 1,853 |
| Memoranda: | ||
| Average total assets | $180,878,600 | 3,121 |
| Average earning assets | $168,397,200 | 3,109 |
| Average equity | $21,683,800 | 2,719 |
| Average total loans | $105,519,600 | 3,119 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 802 |
| Cost of funding earning assets | 1.1809% | 2,488 |
| Net interest margin | 4.5077% | 610 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1722% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.2642% | 342 |
| Return on assets (ROA) | 2.3094% | 316 |
| Pretax return on assets | 2.2823% | 495 |
| Return on Equity (ROE) | 19.0200% | 817 |
| Retained earnings to average equity (ytd only) | 16.5379% | 421 |
| Net charge-offs to loans | 0.0013% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2,966.0000% | 37 |
| Efficiency ratio | 49.2645% | 3,966 |
| Assets per employee ($millions) | 9.3177% | 829 |
| Cash dividends to net income (ytd only)* | 13.0634% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.9700% | 2,944 |
| Net loans and leases to deposits | 78.8355% | 2,160 |
| Net loans and leases to core deposits | 83.1671% | 2,382 |
| Total domestic deposits to total assets | 74.8000% | 4,102 |
| Equity capital to assets | 12.3383% | 960 |
| Core capital (leverage) ratio | 13.4550% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8706% | 1,599 |
| Memoranda: | ||
| Average total assets | $176,777,250 | 3,157 |
| Average earning assets | $164,958,750 | 3,147 |
| Average equity | $21,461,250 | 2,725 |
| Average total loans | $100,606,750 | 3,172 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 709 |
| Cost of funding earning assets | 1.0064% | 2,586 |
| Net interest margin | 4.6192% | 508 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.0278% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3543% | 287 |
| Return on assets (ROA) | 2.4057% | 265 |
| Pretax return on assets | 2.5797% | 322 |
| Return on Equity (ROE) | 19.9300% | 712 |
| Retained earnings to average equity (ytd only) | 16.1140% | 464 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.5457% | 4,231 |
| Assets per employee ($millions) | 8.4593% | 1,118 |
| Cash dividends to net income (ytd only)* | 19.1571% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.4000% | 3,016 |
| Net loans and leases to deposits | 67.0041% | 2,994 |
| Net loans and leases to core deposits | 69.8745% | 3,138 |
| Total domestic deposits to total assets | 85.6700% | 2,339 |
| Equity capital to assets | 12.9781% | 818 |
| Core capital (leverage) ratio | 13.2984% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8708% | 1,343 |
| Memoranda: | ||
| Average total assets | $173,585,000 | 3,190 |
| Average earning assets | $162,754,667 | 3,168 |
| Average equity | $20,950,667 | 2,778 |
| Average total loans | $97,129,000 | 3,204 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 594 |
| Cost of funding earning assets | 0.8469% | 2,550 |
| Net interest margin | 4.6811% | 458 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.8136% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3327% | 309 |
| Return on assets (ROA) | 2.3938% | 277 |
| Pretax return on assets | 2.8467% | 238 |
| Return on Equity (ROE) | 20.5800% | 701 |
| Retained earnings to average equity (ytd only) | 20.5795% | 344 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.5337% | 4,456 |
| Assets per employee ($millions) | 9.0563% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,348 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.2800% | 3,257 |
| Net loans and leases to deposits | 60.9117% | 3,282 |
| Net loans and leases to core deposits | 62.7510% | 3,404 |
| Total domestic deposits to total assets | 87.4700% | 2,102 |
| Equity capital to assets | 12.2659% | 927 |
| Core capital (leverage) ratio | 12.6485% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8408% | 1,410 |
| Memoranda: | ||
| Average total assets | $175,785,000 | 3,214 |
| Average earning assets | $164,832,000 | 3,196 |
| Average equity | $20,447,500 | 2,845 |
| Average total loans | $96,562,500 | 3,248 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 2,592 |
| Cost of funding earning assets | 0.3450% | 2,520 |
| Net interest margin | 3.3324% | 2,477 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.7849% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4004% | 1,129 |
| Return on assets (ROA) | 1.4722% | 917 |
| Pretax return on assets | 1.6774% | 976 |
| Return on Equity (ROE) | 12.9400% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.4030% | 1,355 |
| Net charge-offs to loans | 0.0033% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 925.3333% | 190 |
| Efficiency ratio | 52.7971% | 3,907 |
| Assets per employee ($millions) | 8.1591% | 1,247 |
| Cash dividends to net income (ytd only)* | 27.3331% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 2,670 |
| Loan loss allowance to noncurrent loans | 165.0862% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,318 |
| Noncurrent loans to loans | 0.6940% | 1,081 |
| Net loans and leases to total assets | 55.2300% | 3,100 |
| Net loans and leases to deposits | 62.3359% | 3,171 |
| Net loans and leases to core deposits | 63.5054% | 3,292 |
| Total domestic deposits to total assets | 88.6100% | 1,841 |
| Equity capital to assets | 11.0245% | 1,248 |
| Core capital (leverage) ratio | 11.9895% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7660% | 1,704 |
| Memoranda: | ||
| Average total assets | $173,956,200 | 3,242 |
| Average earning assets | $163,755,400 | 3,214 |
| Average equity | $19,791,600 | 2,969 |
| Average total loans | $92,154,800 | 3,262 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 3,136 |
| Cost of funding earning assets | 0.2441% | 2,769 |
| Net interest margin | 3.0713% | 3,015 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.8010% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1667% | 1,832 |
| Return on assets (ROA) | 1.2385% | 1,534 |
| Pretax return on assets | 1.4471% | 1,564 |
| Return on Equity (ROE) | 10.8000% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.4408% | 1,839 |
| Net charge-offs to loans | 0.0015% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,765.0000% | 74 |
| Efficiency ratio | 56.9092% | 3,526 |
| Assets per employee ($millions) | 8.3900% | 1,124 |
| Cash dividends to net income (ytd only)* | 21.8341% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,391 |
| Loan loss allowance to noncurrent loans | 162.5706% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 1,347 |
| Noncurrent loans to loans | 0.7541% | 1,076 |
| Net loans and leases to total assets | 52.6400% | 3,221 |
| Net loans and leases to deposits | 63.7677% | 2,883 |
| Net loans and leases to core deposits | 64.8209% | 3,048 |
| Total domestic deposits to total assets | 82.5400% | 3,747 |
| Equity capital to assets | 11.3554% | 1,054 |
| Core capital (leverage) ratio | 11.7197% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3118% | 1,616 |
| Memoranda: | ||
| Average total assets | $172,570,250 | 3,277 |
| Average earning assets | $162,750,250 | 3,248 |
| Average equity | $19,792,250 | 3,014 |
| Average total loans | $90,120,250 | 3,298 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 3,669 |
| Cost of funding earning assets | 0.1892% | 3,060 |
| Net interest margin | 2.7632% | 3,543 |
| Noninterest income to average assets | 0.2964% | 3,388 |
| Noninterest expense to average assets | 1.7903% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0098% | 2,119 |
| Return on assets (ROA) | 1.0947% | 1,778 |
| Pretax return on assets | 1.2080% | 2,050 |
| Return on Equity (ROE) | 9.5129% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.9633% | 2,347 |
| Net charge-offs to loans | 0.0023% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 955.0000% | 136 |
| Efficiency ratio | 61.6312% | 3,089 |
| Assets per employee ($millions) | 8.7428% | 976 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,878 |
| Loan loss allowance to noncurrent loans | 159.8611% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 1,373 |
| Noncurrent loans to loans | 0.8583% | 990 |
| Net loans and leases to total assets | 47.3169% | 3,605 |
| Net loans and leases to deposits | 53.9025% | 3,541 |
| Net loans and leases to core deposits | 54.7543% | 3,652 |
| Total domestic deposits to total assets | 87.7824% | 2,664 |
| Equity capital to assets | 10.8593% | 1,278 |
| Core capital (leverage) ratio | 11.2005% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6883% | 1,260 |
| Memoranda: | ||
| Average total assets | $171,364,000 | 3,322 |
| Average earning assets | $161,769,333 | 3,300 |
| Average equity | $19,720,667 | 3,092 |
| Average total loans | $88,864,000 | 3,341 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7036% | 3,945 |
| Cost of funding earning assets | 0.1901% | 2,949 |
| Net interest margin | 2.5135% | 3,879 |
| Noninterest income to average assets | 0.3066% | 3,271 |
| Noninterest expense to average assets | 1.8465% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7758% | 2,745 |
| Return on assets (ROA) | 0.9008% | 2,266 |
| Pretax return on assets | 0.9645% | 2,561 |
| Return on Equity (ROE) | 7.6069% | 2,837 |
| Retained earnings to average equity (ytd only) | 7.6069% | 1,699 |
| Net charge-offs to loans | 0.0044% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 281 |
| Efficiency ratio | 68.9868% | 2,373 |
| Assets per employee ($millions) | 8.4687% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 2,022 |
| Loan loss allowance to noncurrent loans | 157.2404% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 1,474 |
| Noncurrent loans to loans | 0.8724% | 1,073 |
| Net loans and leases to total assets | 46.5304% | 3,532 |
| Net loans and leases to deposits | 53.7742% | 3,432 |
| Net loans and leases to core deposits | 54.9475% | 3,531 |
| Total domestic deposits to total assets | 86.5291% | 3,094 |
| Equity capital to assets | 11.3049% | 1,191 |
| Core capital (leverage) ratio | 11.3253% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5653% | 1,374 |
| Memoranda: | ||
| Average total assets | $169,618,500 | 3,348 |
| Average earning assets | $159,935,000 | 3,329 |
| Average equity | $20,087,000 | 3,136 |
| Average total loans | $91,352,500 | 3,310 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1373% | 3,610 |
| Cost of funding earning assets | 0.2823% | 2,576 |
| Net interest margin | 2.8550% | 3,544 |
| Noninterest income to average assets | 0.7314% | 1,656 |
| Noninterest expense to average assets | 1.9866% | 3,720 |
| Loan and lease loss provision to assets | 0.1547% | 770 |
| Net operating income to assets | 1.1062% | 2,275 |
| Return on assets (ROA) | 1.2192% | 1,907 |
| Pretax return on assets | 1.3758% | 2,121 |
| Return on Equity (ROE) | 9.6662% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.0899% | 2,324 |
| Net charge-offs to loans | 0.4688% | 178 |
| Credit loss provision to net charge-offs | 54.4218% | 2,108 |
| Earnings coverage of net charge-offs (x) | 4.9388% | 2,473 |
| Efficiency ratio | 58.6010% | 3,347 |
| Assets per employee ($millions) | 7.0171% | 1,912 |
| Cash dividends to net income (ytd only)* | 36.9979% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,043 |
| Loan loss allowance to noncurrent loans | 155.4656% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 1,438 |
| Noncurrent loans to loans | 0.7500% | 1,361 |
| Net loans and leases to total assets | 60.5047% | 2,110 |
| Net loans and leases to deposits | 71.0861% | 2,008 |
| Net loans and leases to core deposits | 72.8271% | 2,181 |
| Total domestic deposits to total assets | 85.1147% | 3,236 |
| Equity capital to assets | 12.4348% | 1,079 |
| Core capital (leverage) ratio | 12.1565% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7848% | 1,931 |
| Memoranda: | ||
| Average total assets | $155,187,600 | 3,439 |
| Average earning assets | $144,520,200 | 3,428 |
| Average equity | $19,573,400 | 3,250 |
| Average total loans | $94,062,000 | 3,275 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0869% | 3,842 |
| Cost of funding earning assets | 0.2949% | 2,643 |
| Net interest margin | 2.7921% | 3,801 |
| Noninterest income to average assets | 0.8739% | 1,311 |
| Noninterest expense to average assets | 2.0273% | 3,594 |
| Loan and lease loss provision to assets | 0.1562% | 708 |
| Net operating income to assets | 1.1353% | 2,420 |
| Return on assets (ROA) | 1.2575% | 2,025 |
| Pretax return on assets | 1.4258% | 2,228 |
| Return on Equity (ROE) | 9.9332% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.5339% | 2,211 |
| Net charge-offs to loans | 0.6331% | 123 |
| Credit loss provision to net charge-offs | 40.8163% | 1,916 |
| Earnings coverage of net charge-offs (x) | 3.7710% | 2,293 |
| Efficiency ratio | 58.4146% | 3,206 |
| Assets per employee ($millions) | 6.8634% | 1,963 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,380 |
| Loan loss allowance to noncurrent loans | 144.6358% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 1,589 |
| Noncurrent loans to loans | 0.7697% | 1,470 |
| Net loans and leases to total assets | 61.4451% | 2,086 |
| Net loans and leases to deposits | 72.6464% | 1,995 |
| Net loans and leases to core deposits | 74.3338% | 2,205 |
| Total domestic deposits to total assets | 84.5811% | 3,271 |
| Equity capital to assets | 12.7488% | 1,072 |
| Core capital (leverage) ratio | 12.1869% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3223% | 2,251 |
| Memoranda: | ||
| Average total assets | $153,636,000 | 3,488 |
| Average earning assets | $142,877,750 | 3,479 |
| Average equity | $19,449,500 | 3,299 |
| Average total loans | $92,876,750 | 3,336 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9970% | 4,053 |
| Cost of funding earning assets | 0.3069% | 2,720 |
| Net interest margin | 2.6901% | 3,999 |
| Noninterest income to average assets | 1.1759% | 830 |
| Noninterest expense to average assets | 2.0272% | 3,612 |
| Loan and lease loss provision to assets | 0.1577% | 738 |
| Net operating income to assets | 1.2979% | 1,877 |
| Return on assets (ROA) | 1.4110% | 1,599 |
| Pretax return on assets | 1.6199% | 1,682 |
| Return on Equity (ROE) | 11.1733% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.5321% | 2,235 |
| Net charge-offs to loans | 0.9677% | 83 |
| Credit loss provision to net charge-offs | 27.2109% | 1,711 |
| Earnings coverage of net charge-offs (x) | 2.8435% | 2,103 |
| Efficiency ratio | 55.1662% | 3,647 |
| Assets per employee ($millions) | 6.8054% | 1,935 |
| Cash dividends to net income (ytd only)* | 32.5885% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,462 |
| Loan loss allowance to noncurrent loans | 133.6788% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 1,698 |
| Noncurrent loans to loans | 0.8162% | 1,507 |
| Net loans and leases to total assets | 59.7713% | 2,454 |
| Net loans and leases to deposits | 70.5154% | 2,360 |
| Net loans and leases to core deposits | 72.1629% | 2,589 |
| Total domestic deposits to total assets | 84.7635% | 3,192 |
| Equity capital to assets | 12.5552% | 1,108 |
| Core capital (leverage) ratio | 11.8601% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1089% | 1,596 |
| Memoranda: | ||
| Average total assets | $152,228,667 | 3,512 |
| Average earning assets | $141,407,000 | 3,499 |
| Average equity | $19,224,333 | 3,315 |
| Average total loans | $91,139,667 | 3,382 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 4,002 |
| Cost of funding earning assets | 0.3232% | 2,770 |
| Net interest margin | 2.7182% | 3,924 |
| Noninterest income to average assets | 1.5938% | 551 |
| Noninterest expense to average assets | 1.9803% | 3,781 |
| Loan and lease loss provision to assets | 0.1599% | 792 |
| Net operating income to assets | 1.6682% | 992 |
| Return on assets (ROA) | 1.8630% | 758 |
| Pretax return on assets | 2.1935% | 699 |
| Return on Equity (ROE) | 14.7077% | 1,274 |
| Retained earnings to average equity (ytd only) | 14.7077% | 658 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2468% | 4,325 |
| Assets per employee ($millions) | 6.6867% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 1,014 |
| Loan loss allowance to noncurrent loans | 85.7403% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 758 |
| Noncurrent loans to loans | 1.9992% | 541 |
| Net loans and leases to total assets | 52.6819% | 3,381 |
| Net loans and leases to deposits | 62.3488% | 3,286 |
| Net loans and leases to core deposits | 63.8343% | 3,431 |
| Total domestic deposits to total assets | 84.4954% | 3,281 |
| Equity capital to assets | 12.6657% | 1,007 |
| Core capital (leverage) ratio | 12.4759% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9005% | 1,599 |
| Memoranda: | ||
| Average total assets | $150,080,500 | 3,528 |
| Average earning assets | $138,623,000 | 3,527 |
| Average equity | $19,010,500 | 3,328 |
| Average total loans | $89,415,000 | 3,420 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 2,944 |
| Cost of funding earning assets | 0.5573% | 2,570 |
| Net interest margin | 3.3711% | 2,864 |
| Noninterest income to average assets | 0.3264% | 3,507 |
| Noninterest expense to average assets | 2.0814% | 3,975 |
| Loan and lease loss provision to assets | 0.1787% | 2,161 |
| Net operating income to assets | 1.0638% | 2,051 |
| Return on assets (ROA) | 1.3588% | 1,199 |
| Pretax return on assets | 1.4978% | 1,332 |
| Return on Equity (ROE) | 10.9723% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.6452% | 866 |
| Net charge-offs to loans | 0.0021% | 3,329 |
| Credit loss provision to net charge-offs | 12,400.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 938.5000% | 127 |
| Efficiency ratio | 60.6169% | 3,371 |
| Assets per employee ($millions) | 6.3638% | 2,033 |
| Cash dividends to net income (ytd only)* | 21.2089% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,961 |
| Loan loss allowance to noncurrent loans | 81.2613% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 793 |
| Noncurrent loans to loans | 1.7273% | 732 |
| Net loans and leases to total assets | 64.9343% | 2,237 |
| Net loans and leases to deposits | 76.8819% | 2,183 |
| Net loans and leases to core deposits | 78.8072% | 2,477 |
| Total domestic deposits to total assets | 84.4597% | 2,958 |
| Equity capital to assets | 12.6681% | 1,250 |
| Core capital (leverage) ratio | 12.6017% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5326% | 2,431 |
| Memoranda: | ||
| Average total assets | $138,799,200 | 3,527 |
| Average earning assets | $127,940,000 | 3,534 |
| Average equity | $17,188,800 | 3,439 |
| Average total loans | $95,171,200 | 3,313 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 2,860 |
| Cost of funding earning assets | 0.5998% | 2,618 |
| Net interest margin | 3.4406% | 2,780 |
| Noninterest income to average assets | 0.3321% | 3,496 |
| Noninterest expense to average assets | 2.1542% | 3,803 |
| Loan and lease loss provision to assets | 0.1687% | 2,311 |
| Net operating income to assets | 1.0696% | 2,080 |
| Return on assets (ROA) | 1.4170% | 1,155 |
| Pretax return on assets | 1.5640% | 1,289 |
| Return on Equity (ROE) | 11.5127% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.9302% | 779 |
| Net charge-offs to loans | 0.0028% | 3,072 |
| Credit loss provision to net charge-offs | 8,650.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 693.5000% | 175 |
| Efficiency ratio | 61.4615% | 3,151 |
| Assets per employee ($millions) | 6.1540% | 2,133 |
| Cash dividends to net income (ytd only)* | 13.7457% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,518 |
| Loan loss allowance to noncurrent loans | 21,300.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,509 |
| Noncurrent loans to loans | 0.0058% | 4,431 |
| Net loans and leases to total assets | 72.6217% | 1,566 |
| Net loans and leases to deposits | 88.0271% | 1,482 |
| Net loans and leases to core deposits | 90.5568% | 1,925 |
| Total domestic deposits to total assets | 82.4993% | 3,286 |
| Equity capital to assets | 12.6965% | 1,335 |
| Core capital (leverage) ratio | 12.5505% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4145% | 1,687 |
| Memoranda: | ||
| Average total assets | $136,907,000 | 3,541 |
| Average earning assets | $126,252,500 | 3,536 |
| Average equity | $16,850,500 | 3,468 |
| Average total loans | $94,865,000 | 3,330 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,047 |
| Cost of funding earning assets | 0.6708% | 2,552 |
| Net interest margin | 3.4328% | 3,000 |
| Noninterest income to average assets | 0.3723% | 3,243 |
| Noninterest expense to average assets | 2.1646% | 3,890 |
| Loan and lease loss provision to assets | 0.1448% | 2,561 |
| Net operating income to assets | 1.1131% | 1,922 |
| Return on assets (ROA) | 1.5662% | 884 |
| Pretax return on assets | 1.7213% | 955 |
| Return on Equity (ROE) | 12.8664% | 1,133 |
| Retained earnings to average equity (ytd only) | 10.4388% | 702 |
| Net charge-offs to loans | 0.0022% | 2,934 |
| Credit loss provision to net charge-offs | 9,800.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 926.0000% | 100 |
| Efficiency ratio | 61.2714% | 3,241 |
| Assets per employee ($millions) | 6.0693% | 2,122 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,201 |
| Loan loss allowance to noncurrent loans | 17,185.7143% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,568 |
| Noncurrent loans to loans | 0.0073% | 4,492 |
| Net loans and leases to total assets | 67.5072% | 2,434 |
| Net loans and leases to deposits | 81.9828% | 2,210 |
| Net loans and leases to core deposits | 84.3947% | 2,580 |
| Total domestic deposits to total assets | 82.3431% | 3,278 |
| Equity capital to assets | 12.1216% | 1,591 |
| Core capital (leverage) ratio | 12.4080% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1380% | 2,123 |
| Memoranda: | ||
| Average total assets | $135,361,667 | 3,542 |
| Average earning assets | $124,621,667 | 3,537 |
| Average equity | $16,477,000 | 3,509 |
| Average total loans | $91,797,000 | 3,380 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 2,417 |
| Cost of funding earning assets | 0.7886% | 2,457 |
| Net interest margin | 3.6733% | 2,423 |
| Noninterest income to average assets | 0.1981% | 4,367 |
| Noninterest expense to average assets | 2.4196% | 3,498 |
| Loan and lease loss provision to assets | 0.0690% | 2,887 |
| Net operating income to assets | 0.9854% | 2,226 |
| Return on assets (ROA) | 1.8912% | 374 |
| Pretax return on assets | 2.0504% | 409 |
| Return on Equity (ROE) | 15.5029% | 481 |
| Retained earnings to average equity (ytd only) | 15.5029% | 163 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0743% | 2,652 |
| Assets per employee ($millions) | 4.9007% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,107 |
| Loan loss allowance to noncurrent loans | 16,128.5714% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,616 |
| Noncurrent loans to loans | 0.0081% | 4,542 |
| Net loans and leases to total assets | 64.3946% | 3,017 |
| Net loans and leases to deposits | 75.6374% | 3,104 |
| Net loans and leases to core deposits | 78.2764% | 3,335 |
| Total domestic deposits to total assets | 85.1360% | 2,359 |
| Equity capital to assets | 11.7677% | 2,238 |
| Core capital (leverage) ratio | 12.5612% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7955% | 1,398 |
| Memoranda: | ||
| Average total assets | $133,245,500 | 3,546 |
| Average earning assets | $121,742,000 | 3,553 |
| Average equity | $16,255,000 | 3,535 |
| Average total loans | $89,976,000 | 3,396 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,076 |
| Cost of funding earning assets | 0.9678% | 1,869 |
| Net interest margin | 3.8215% | 2,440 |
| Noninterest income to average assets | 0.2644% | 4,097 |
| Noninterest expense to average assets | 2.1245% | 4,318 |
| Loan and lease loss provision to assets | 0.0661% | 2,696 |
| Net operating income to assets | 1.3301% | 1,579 |
| Return on assets (ROA) | 1.3395% | 1,621 |
| Pretax return on assets | 1.5847% | 1,528 |
| Return on Equity (ROE) | 11.1049% | 1,843 |
| Retained earnings to average equity (ytd only) | 6.8431% | 1,460 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4378% | 4,150 |
| Assets per employee ($millions) | 4.9693% | 2,645 |
| Cash dividends to net income (ytd only)* | 38.3772% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,530 |
| Loan loss allowance to noncurrent loans | 13,837.5000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,648 |
| Noncurrent loans to loans | 0.0085% | 4,558 |
| Net loans and leases to total assets | 68.9486% | 2,547 |
| Net loans and leases to deposits | 82.0021% | 2,558 |
| Net loans and leases to core deposits | 85.4011% | 2,836 |
| Total domestic deposits to total assets | 84.0815% | 2,826 |
| Equity capital to assets | 12.6249% | 1,753 |
| Core capital (leverage) ratio | 12.4196% | 1,529 |
| Tier 1 risk-based capital ratio | 14.2037% | 3,167 |
| Total risk-based capital ratio | 15.1547% | 3,222 |
| Memoranda: | ||
| Average total assets | $136,173,600 | 3,493 |
| Average earning assets | $124,714,000 | 3,497 |
| Average equity | $16,425,200 | 3,506 |
| Average total loans | $97,439,200 | 3,261 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 2,136 |
| Cost of funding earning assets | 0.9937% | 1,792 |
| Net interest margin | 3.7996% | 2,602 |
| Noninterest income to average assets | 0.2458% | 4,267 |
| Noninterest expense to average assets | 2.1081% | 4,347 |
| Loan and lease loss provision to assets | 0.0663% | 2,560 |
| Net operating income to assets | 1.3328% | 1,711 |
| Return on assets (ROA) | 1.3404% | 1,751 |
| Pretax return on assets | 1.5677% | 1,749 |
| Return on Equity (ROE) | 11.2412% | 1,914 |
| Retained earnings to average equity (ytd only) | 9.2777% | 968 |
| Net charge-offs to loans | -0.0014% | 4,019 |
| Credit loss provision to net charge-offs | -6,800.0000% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4672% | 4,116 |
| Assets per employee ($millions) | 5.0226% | 2,530 |
| Cash dividends to net income (ytd only)* | 17.4672% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 2,993 |
| Loan loss allowance to noncurrent loans | 12,055.5556% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,735 |
| Noncurrent loans to loans | 0.0092% | 4,642 |
| Net loans and leases to total assets | 71.4507% | 2,254 |
| Net loans and leases to deposits | 84.9815% | 2,325 |
| Net loans and leases to core deposits | 89.0628% | 2,629 |
| Total domestic deposits to total assets | 84.0780% | 2,791 |
| Equity capital to assets | 12.5521% | 1,875 |
| Core capital (leverage) ratio | 12.2153% | 1,721 |
| Tier 1 risk-based capital ratio | 13.9129% | 3,370 |
| Total risk-based capital ratio | 14.8254% | 3,448 |
| Memoranda: | ||
| Average total assets | $136,674,250 | 3,513 |
| Average earning assets | $125,448,250 | 3,523 |
| Average equity | $16,296,750 | 3,545 |
| Average total loans | $98,395,000 | 3,292 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 2,304 |
| Cost of funding earning assets | 0.9805% | 1,790 |
| Net interest margin | 3.7395% | 2,791 |
| Noninterest income to average assets | 0.2073% | 4,504 |
| Noninterest expense to average assets | 2.1528% | 4,320 |
| Loan and lease loss provision to assets | 0.0657% | 2,506 |
| Net operating income to assets | 1.2468% | 1,974 |
| Return on assets (ROA) | 1.2494% | 2,019 |
| Pretax return on assets | 1.4318% | 2,099 |
| Return on Equity (ROE) | 10.6633% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.6736% | 1,531 |
| Net charge-offs to loans | -0.0020% | 3,957 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0236% | 3,855 |
| Assets per employee ($millions) | 4.9830% | 2,496 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,027 |
| Loan loss allowance to noncurrent loans | 764.7482% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 4,237 |
| Noncurrent loans to loans | 0.1450% | 4,037 |
| Net loans and leases to total assets | 70.4819% | 2,461 |
| Net loans and leases to deposits | 83.4664% | 2,548 |
| Net loans and leases to core deposits | 87.2494% | 2,870 |
| Total domestic deposits to total assets | 84.4434% | 2,711 |
| Equity capital to assets | 12.2059% | 2,051 |
| Core capital (leverage) ratio | 11.9122% | 1,880 |
| Tier 1 risk-based capital ratio | 13.6566% | 3,507 |
| Total risk-based capital ratio | 14.5624% | 3,580 |
| Memoranda: | ||
| Average total assets | $137,028,670 | 3,526 |
| Average earning assets | $126,058,000 | 3,535 |
| Average equity | $16,055,000 | 3,574 |
| Average total loans | $98,533,330 | 3,309 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 2,220 |
| Cost of funding earning assets | 0.9800% | 1,655 |
| Net interest margin | 3.7215% | 2,813 |
| Noninterest income to average assets | 0.0665% | 5,173 |
| Noninterest expense to average assets | 2.1176% | 4,433 |
| Loan and lease loss provision to assets | 0.0665% | 2,335 |
| Net operating income to assets | 1.1427% | 2,302 |
| Return on assets (ROA) | 1.1427% | 2,349 |
| Pretax return on assets | 1.2989% | 2,458 |
| Return on Equity (ROE) | 9.9550% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.9550% | 1,046 |
| Net charge-offs to loans | -0.0040% | 3,972 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7973% | 3,703 |
| Assets per employee ($millions) | 5.3990% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,195 |
| Loan loss allowance to noncurrent loans | 562.7027% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,114 |
| Noncurrent loans to loans | 0.1932% | 3,893 |
| Net loans and leases to total assets | 70.1688% | 2,453 |
| Net loans and leases to deposits | 83.1564% | 2,486 |
| Net loans and leases to core deposits | 88.5373% | 2,638 |
| Total domestic deposits to total assets | 84.3817% | 2,910 |
| Equity capital to assets | 11.9881% | 2,027 |
| Core capital (leverage) ratio | 11.3951% | 2,219 |
| Tier 1 risk-based capital ratio | 13.4304% | 3,646 |
| Total risk-based capital ratio | 14.3157% | 3,755 |
| Memoranda: | ||
| Average total assets | $138,272,500 | 3,554 |
| Average earning assets | $126,938,500 | 3,560 |
| Average equity | $15,871,500 | 3,598 |
| Average total loans | $99,855,000 | 3,329 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,829 |
| Cost of funding earning assets | 0.8128% | 1,462 |
| Net interest margin | 3.5661% | 3,495 |
| Noninterest income to average assets | 0.2860% | 4,188 |
| Noninterest expense to average assets | 2.0378% | 4,684 |
| Loan and lease loss provision to assets | 0.0641% | 2,877 |
| Net operating income to assets | 1.2387% | 2,019 |
| Return on assets (ROA) | 1.3324% | 1,668 |
| Pretax return on assets | 1.5656% | 1,565 |
| Return on Equity (ROE) | 11.7752% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.8260% | 1,318 |
| Net charge-offs to loans | -0.0031% | 4,290 |
| Credit loss provision to net charge-offs | -2,866.6667% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2864% | 4,247 |
| Assets per employee ($millions) | 5.4450% | 2,010 |
| Cash dividends to net income (ytd only)* | 33.5383% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,823 |
| Loan loss allowance to noncurrent loans | 9,245.4545% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,875 |
| Noncurrent loans to loans | 0.0106% | 4,758 |
| Net loans and leases to total assets | 72.7144% | 2,145 |
| Net loans and leases to deposits | 84.9986% | 2,405 |
| Net loans and leases to core deposits | 90.3411% | 2,546 |
| Total domestic deposits to total assets | 85.5477% | 2,421 |
| Equity capital to assets | 10.9925% | 2,696 |
| Core capital (leverage) ratio | 11.2057% | 2,348 |
| Tier 1 risk-based capital ratio | 12.1475% | 4,327 |
| Total risk-based capital ratio | 12.9492% | 4,502 |
| Memoranda: | ||
| Average total assets | $134,264,600 | 3,590 |
| Average earning assets | $123,160,600 | 3,596 |
| Average equity | $15,193,000 | 3,613 |
| Average total loans | $95,328,600 | 3,380 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,137 |
| Cost of funding earning assets | 0.7736% | 1,455 |
| Net interest margin | 3.4802% | 3,762 |
| Noninterest income to average assets | 0.2628% | 4,396 |
| Noninterest expense to average assets | 2.0477% | 4,649 |
| Loan and lease loss provision to assets | 0.0211% | 3,592 |
| Net operating income to assets | 1.2014% | 2,232 |
| Return on assets (ROA) | 1.2161% | 2,174 |
| Pretax return on assets | 1.4084% | 2,195 |
| Return on Equity (ROE) | 10.6659% | 2,316 |
| Retained earnings to average equity (ytd only) | 8.9000% | 1,258 |
| Net charge-offs to loans | -0.0043% | 4,199 |
| Credit loss provision to net charge-offs | -700.0000% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1795% | 3,937 |
| Assets per employee ($millions) | 5.4438% | 1,969 |
| Cash dividends to net income (ytd only)* | 16.5563% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,986 |
| Loan loss allowance to noncurrent loans | 7,323.0769% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,968 |
| Noncurrent loans to loans | 0.0132% | 4,858 |
| Net loans and leases to total assets | 71.9115% | 2,342 |
| Net loans and leases to deposits | 87.3899% | 2,222 |
| Net loans and leases to core deposits | 91.6118% | 2,518 |
| Total domestic deposits to total assets | 82.2881% | 3,527 |
| Equity capital to assets | 11.5214% | 2,248 |
| Core capital (leverage) ratio | 11.4605% | 2,207 |
| Tier 1 risk-based capital ratio | 12.2941% | 4,324 |
| Total risk-based capital ratio | 13.0627% | 4,490 |
| Memoranda: | ||
| Average total assets | $132,438,500 | 3,650 |
| Average earning assets | $121,674,750 | 3,652 |
| Average equity | $15,100,750 | 3,649 |
| Average total loans | $93,171,250 | 3,444 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,385 |
| Cost of funding earning assets | 0.7147% | 1,544 |
| Net interest margin | 3.4041% | 3,941 |
| Noninterest income to average assets | 0.2423% | 4,561 |
| Noninterest expense to average assets | 2.0759% | 4,663 |
| Loan and lease loss provision to assets | 0.0183% | 3,531 |
| Net operating income to assets | 1.0975% | 2,592 |
| Return on assets (ROA) | 1.1172% | 2,528 |
| Pretax return on assets | 1.2925% | 2,543 |
| Return on Equity (ROE) | 9.8339% | 2,643 |
| Retained earnings to average equity (ytd only) | 7.1507% | 2,000 |
| Net charge-offs to loans | -0.0066% | 4,174 |
| Credit loss provision to net charge-offs | -400.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7127% | 3,662 |
| Assets per employee ($millions) | 5.2858% | 2,115 |
| Cash dividends to net income (ytd only)* | 27.2851% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,808 |
| Loan loss allowance to noncurrent loans | 6,728.5714% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,991 |
| Noncurrent loans to loans | 0.0149% | 4,879 |
| Net loans and leases to total assets | 70.2120% | 2,550 |
| Net loans and leases to deposits | 83.7238% | 2,567 |
| Net loans and leases to core deposits | 87.6020% | 2,759 |
| Total domestic deposits to total assets | 83.8615% | 3,119 |
| Equity capital to assets | 11.3596% | 2,302 |
| Core capital (leverage) ratio | 11.1156% | 2,426 |
| Tier 1 risk-based capital ratio | 12.2879% | 4,320 |
| Total risk-based capital ratio | 13.0733% | 4,490 |
| Memoranda: | ||
| Average total assets | $131,219,670 | 3,687 |
| Average earning assets | $120,327,000 | 3,705 |
| Average equity | $14,907,670 | 3,690 |
| Average total loans | $91,288,330 | 3,491 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,588 |
| Cost of funding earning assets | 0.6956% | 1,468 |
| Net interest margin | 3.3106% | 4,162 |
| Noninterest income to average assets | 0.0918% | 5,359 |
| Noninterest expense to average assets | 1.9884% | 4,872 |
| Loan and lease loss provision to assets | 0.0184% | 3,294 |
| Net operating income to assets | 0.9982% | 2,863 |
| Return on assets (ROA) | 0.9789% | 2,973 |
| Pretax return on assets | 1.0921% | 3,199 |
| Return on Equity (ROE) | 8.6160% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.6160% | 1,614 |
| Net charge-offs to loans | -0.0044% | 3,967 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7255% | 3,519 |
| Assets per employee ($millions) | 5.2423% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,429 |
| Loan loss allowance to noncurrent loans | 492.1053% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 4,361 |
| Noncurrent loans to loans | 0.2221% | 3,986 |
| Net loans and leases to total assets | 64.5577% | 3,234 |
| Net loans and leases to deposits | 76.2585% | 3,186 |
| Net loans and leases to core deposits | 82.1565% | 3,129 |
| Total domestic deposits to total assets | 84.6564% | 3,044 |
| Equity capital to assets | 11.4446% | 2,178 |
| Core capital (leverage) ratio | 10.9452% | 2,495 |
| Tier 1 risk-based capital ratio | 12.8549% | 4,033 |
| Total risk-based capital ratio | 13.6815% | 4,181 |
| Memoranda: | ||
| Average total assets | $130,757,500 | 3,739 |
| Average earning assets | $119,614,000 | 3,755 |
| Average equity | $14,856,000 | 3,724 |
| Average total loans | $90,071,000 | 3,541 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 3,335 |
| Cost of funding earning assets | 0.5257% | 2,132 |
| Net interest margin | 3.4954% | 3,549 |
| Noninterest income to average assets | 0.3206% | 4,173 |
| Noninterest expense to average assets | 2.2990% | 4,331 |
| Loan and lease loss provision to assets | 0.0192% | 3,918 |
| Net operating income to assets | 0.9932% | 2,280 |
| Return on assets (ROA) | 1.3691% | 1,096 |
| Pretax return on assets | 1.6481% | 1,163 |
| Return on Equity (ROE) | 12.2351% | 1,142 |
| Retained earnings to average equity (ytd only) | 10.4443% | 291 |
| Net charge-offs to loans | -0.0048% | 4,633 |
| Credit loss provision to net charge-offs | -600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4346% | 3,356 |
| Assets per employee ($millions) | 5.2183% | 2,238 |
| Cash dividends to net income (ytd only)* | 14.6370% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,047 |
| Loan loss allowance to noncurrent loans | 5,155.5556% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,091 |
| Noncurrent loans to loans | 0.0190% | 4,935 |
| Net loans and leases to total assets | 71.8022% | 2,266 |
| Net loans and leases to deposits | 85.2919% | 2,345 |
| Net loans and leases to core deposits | 95.8457% | 2,035 |
| Total domestic deposits to total assets | 84.1841% | 3,130 |
| Equity capital to assets | 11.2780% | 2,383 |
| Core capital (leverage) ratio | 11.4302% | 1,993 |
| Tier 1 risk-based capital ratio | 12.3646% | 4,285 |
| Total risk-based capital ratio | 13.1714% | 4,465 |
| Memoranda: | ||
| Average total assets | $124,749,800 | 3,824 |
| Average earning assets | $113,950,600 | 3,842 |
| Average equity | $13,959,800 | 3,849 |
| Average total loans | $83,251,800 | 3,673 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 3,378 |
| Cost of funding earning assets | 0.5129% | 2,164 |
| Net interest margin | 3.4817% | 3,561 |
| Noninterest income to average assets | 0.3222% | 4,233 |
| Noninterest expense to average assets | 2.2650% | 4,386 |
| Loan and lease loss provision to assets | 0.0195% | 3,750 |
| Net operating income to assets | 0.9087% | 2,984 |
| Return on assets (ROA) | 1.3644% | 1,186 |
| Pretax return on assets | 1.8304% | 823 |
| Return on Equity (ROE) | 12.2181% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.2181% | 277 |
| Net charge-offs to loans | -0.0033% | 4,387 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5808% | 3,439 |
| Assets per employee ($millions) | 4.9273% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,674 |
| Loan loss allowance to noncurrent loans | 4,605.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,173 |
| Noncurrent loans to loans | 0.0232% | 5,019 |
| Net loans and leases to total assets | 69.2092% | 2,669 |
| Net loans and leases to deposits | 82.5217% | 2,717 |
| Net loans and leases to core deposits | 89.6486% | 2,639 |
| Total domestic deposits to total assets | 83.8679% | 3,169 |
| Equity capital to assets | 11.5698% | 2,301 |
| Core capital (leverage) ratio | 11.3375% | 2,151 |
| Tier 1 risk-based capital ratio | 13.2746% | 3,834 |
| Total risk-based capital ratio | 14.1463% | 3,987 |
| Memoranda: | ||
| Average total assets | $123,323,000 | 3,883 |
| Average earning assets | $112,815,500 | 3,903 |
| Average equity | $13,771,500 | 3,913 |
| Average total loans | $80,415,000 | 3,771 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,417 |
| Cost of funding earning assets | 0.4822% | 2,313 |
| Net interest margin | 3.4552% | 3,569 |
| Noninterest income to average assets | 0.3129% | 4,300 |
| Noninterest expense to average assets | 2.2404% | 4,477 |
| Loan and lease loss provision to assets | 0.0195% | 3,585 |
| Net operating income to assets | 0.9107% | 2,858 |
| Return on assets (ROA) | 1.2304% | 1,534 |
| Pretax return on assets | 1.6390% | 1,230 |
| Return on Equity (ROE) | 11.1525% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.1525% | 419 |
| Net charge-offs to loans | -0.0051% | 4,343 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5191% | 3,588 |
| Assets per employee ($millions) | 5.0105% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,466 |
| Loan loss allowance to noncurrent loans | 3,656.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,201 |
| Noncurrent loans to loans | 0.0306% | 5,039 |
| Net loans and leases to total assets | 64.4537% | 3,320 |
| Net loans and leases to deposits | 76.5655% | 3,276 |
| Net loans and leases to core deposits | 84.9906% | 2,973 |
| Total domestic deposits to total assets | 84.1812% | 3,129 |
| Equity capital to assets | 11.3602% | 2,447 |
| Core capital (leverage) ratio | 11.1042% | 2,309 |
| Tier 1 risk-based capital ratio | 12.7248% | 4,168 |
| Total risk-based capital ratio | 13.5849% | 4,288 |
| Memoranda: | ||
| Average total assets | $123,369,670 | 3,907 |
| Average earning assets | $112,815,670 | 3,927 |
| Average equity | $13,611,330 | 3,946 |
| Average total loans | $78,495,000 | 3,824 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,354 |
| Cost of funding earning assets | 0.4472% | 2,551 |
| Net interest margin | 3.4670% | 3,398 |
| Noninterest income to average assets | 0.3039% | 4,384 |
| Noninterest expense to average assets | 2.2414% | 4,553 |
| Loan and lease loss provision to assets | 0.0196% | 3,319 |
| Net operating income to assets | 0.9091% | 2,717 |
| Return on assets (ROA) | 1.2449% | 1,429 |
| Pretax return on assets | 1.6565% | 1,107 |
| Return on Equity (ROE) | 11.4569% | 1,417 |
| Retained earnings to average equity (ytd only) | 11.4569% | 538 |
| Net charge-offs to loans | -0.0052% | 4,198 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5951% | 3,728 |
| Assets per employee ($millions) | 4.5675% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,990 |
| Loan loss allowance to noncurrent loans | 189.3528% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,582 |
| Noncurrent loans to loans | 0.6456% | 2,891 |
| Net loans and leases to total assets | 61.7145% | 3,578 |
| Net loans and leases to deposits | 72.3428% | 3,579 |
| Net loans and leases to core deposits | 78.0625% | 3,463 |
| Total domestic deposits to total assets | 85.3084% | 2,959 |
| Equity capital to assets | 11.6071% | 2,109 |
| Core capital (leverage) ratio | 10.9081% | 2,467 |
| Tier 1 risk-based capital ratio | 13.1831% | 3,966 |
| Total risk-based capital ratio | 14.0928% | 4,073 |
| Memoranda: | ||
| Average total assets | $122,423,500 | 3,959 |
| Average earning assets | $111,796,500 | 3,979 |
| Average equity | $13,302,000 | 4,014 |
| Average total loans | $76,917,500 | 3,883 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 3,481 |
| Cost of funding earning assets | 0.3844% | 3,155 |
| Net interest margin | 3.5404% | 3,284 |
| Noninterest income to average assets | 0.3578% | 4,179 |
| Noninterest expense to average assets | 2.1666% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1087% | 1,864 |
| Return on assets (ROA) | 1.1657% | 1,721 |
| Pretax return on assets | 1.5143% | 1,542 |
| Return on Equity (ROE) | 11.4425% | 1,424 |
| Retained earnings to average equity (ytd only) | 7.3588% | 1,094 |
| Net charge-offs to loans | 0.0131% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 173.1000% | 375 |
| Efficiency ratio | 60.0692% | 4,574 |
| Assets per employee ($millions) | 5.2538% | 2,114 |
| Cash dividends to net income (ytd only)* | 35.6888% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,546 |
| Loan loss allowance to noncurrent loans | 2,812.5000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 5,285 |
| Noncurrent loans to loans | 0.0402% | 5,092 |
| Net loans and leases to total assets | 62.4457% | 3,556 |
| Net loans and leases to deposits | 75.7659% | 3,341 |
| Net loans and leases to core deposits | 85.7733% | 2,870 |
| Total domestic deposits to total assets | 82.4192% | 3,959 |
| Equity capital to assets | 10.1672% | 3,526 |
| Core capital (leverage) ratio | 10.6146% | 2,762 |
| Tier 1 risk-based capital ratio | 11.8868% | 4,804 |
| Total risk-based capital ratio | 12.7251% | 4,973 |
| Memoranda: | ||
| Average total assets | $120,185,600 | 3,991 |
| Average earning assets | $110,297,800 | 4,001 |
| Average equity | $12,243,800 | 4,215 |
| Average total loans | $76,527,400 | 3,886 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 3,487 |
| Cost of funding earning assets | 0.3723% | 3,310 |
| Net interest margin | 3.5591% | 3,237 |
| Noninterest income to average assets | 0.3628% | 4,184 |
| Noninterest expense to average assets | 2.1599% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1213% | 1,910 |
| Return on assets (ROA) | 1.1333% | 1,978 |
| Pretax return on assets | 1.4938% | 1,727 |
| Return on Equity (ROE) | 11.1184% | 1,630 |
| Retained earnings to average equity (ytd only) | 8.9146% | 845 |
| Net charge-offs to loans | 0.0176% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 131.6294% | 518 |
| Efficiency ratio | 59.3702% | 4,635 |
| Assets per employee ($millions) | 4.9327% | 2,447 |
| Cash dividends to net income (ytd only)* | 19.8216% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,359 |
| Loan loss allowance to noncurrent loans | 2,571.4286% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 5,378 |
| Noncurrent loans to loans | 0.0460% | 5,177 |
| Net loans and leases to total assets | 63.5587% | 3,454 |
| Net loans and leases to deposits | 73.3623% | 3,657 |
| Net loans and leases to core deposits | 82.8560% | 3,223 |
| Total domestic deposits to total assets | 86.6368% | 2,062 |
| Equity capital to assets | 10.4557% | 3,610 |
| Core capital (leverage) ratio | 10.8671% | 2,607 |
| Tier 1 risk-based capital ratio | 11.9777% | 4,803 |
| Total risk-based capital ratio | 12.8285% | 4,954 |
| Memoranda: | ||
| Average total assets | $118,709,000 | 4,046 |
| Average earning assets | $109,237,000 | 4,045 |
| Average equity | $12,099,750 | 4,276 |
| Average total loans | $75,749,500 | 3,937 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,651 |
| Cost of funding earning assets | 0.3579% | 3,474 |
| Net interest margin | 3.5244% | 3,392 |
| Noninterest income to average assets | 0.3501% | 4,275 |
| Noninterest expense to average assets | 2.1495% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1025% | 1,949 |
| Return on assets (ROA) | 1.1076% | 2,055 |
| Pretax return on assets | 1.4560% | 1,817 |
| Return on Equity (ROE) | 10.9603% | 1,662 |
| Retained earnings to average equity (ytd only) | 7.6289% | 1,325 |
| Net charge-offs to loans | 0.0291% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 78.2727% | 714 |
| Efficiency ratio | 59.7287% | 4,676 |
| Assets per employee ($millions) | 4.8057% | 2,550 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,328 |
| Loan loss allowance to noncurrent loans | 2,140.4762% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,435 |
| Noncurrent loans to loans | 0.0563% | 5,232 |
| Net loans and leases to total assets | 63.8838% | 3,378 |
| Net loans and leases to deposits | 76.4088% | 3,334 |
| Net loans and leases to core deposits | 81.5164% | 3,320 |
| Total domestic deposits to total assets | 83.6079% | 3,418 |
| Equity capital to assets | 10.4711% | 3,668 |
| Core capital (leverage) ratio | 10.6738% | 2,761 |
| Tier 1 risk-based capital ratio | 12.1627% | 4,717 |
| Total risk-based capital ratio | 13.0503% | 4,853 |
| Memoranda: | ||
| Average total assets | $118,817,000 | 4,069 |
| Average earning assets | $109,522,000 | 4,066 |
| Average equity | $12,007,000 | 4,314 |
| Average total loans | $75,618,000 | 3,960 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 3,728 |
| Cost of funding earning assets | 0.3392% | 3,725 |
| Net interest margin | 3.5218% | 3,384 |
| Noninterest income to average assets | 0.3351% | 4,334 |
| Noninterest expense to average assets | 2.0637% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1447% | 1,729 |
| Return on assets (ROA) | 1.1447% | 1,846 |
| Pretax return on assets | 1.5097% | 1,553 |
| Return on Equity (ROE) | 11.5269% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.5269% | 577 |
| Net charge-offs to loans | 0.0053% | 2,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 124 |
| Efficiency ratio | 57.7530% | 5,025 |
| Assets per employee ($millions) | 4.8444% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 3,234 |
| Loan loss allowance to noncurrent loans | 1,654.5455% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 5,435 |
| Noncurrent loans to loans | 0.0752% | 5,176 |
| Net loans and leases to total assets | 62.1170% | 3,507 |
| Net loans and leases to deposits | 78.9594% | 2,900 |
| Net loans and leases to core deposits | 85.2890% | 2,816 |
| Total domestic deposits to total assets | 78.6696% | 5,038 |
| Equity capital to assets | 10.3521% | 3,681 |
| Core capital (leverage) ratio | 10.3289% | 3,156 |
| Tier 1 risk-based capital ratio | 12.1260% | 4,831 |
| Total risk-based capital ratio | 13.0300% | 4,965 |
| Memoranda: | ||
| Average total assets | $120,557,500 | 4,060 |
| Average earning assets | $110,853,500 | 4,074 |
| Average equity | $11,972,000 | 4,339 |
| Average total loans | $76,137,000 | 3,959 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 4,756 |
| Cost of funding earning assets | 0.3034% | 4,207 |
| Net interest margin | 3.2645% | 4,424 |
| Noninterest income to average assets | 0.3712% | 4,256 |
| Noninterest expense to average assets | 2.0218% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0497% | 2,125 |
| Return on assets (ROA) | 1.0790% | 2,080 |
| Pretax return on assets | 1.3986% | 1,910 |
| Return on Equity (ROE) | 10.6961% | 1,728 |
| Retained earnings to average equity (ytd only) | 6.5048% | 1,542 |
| Net charge-offs to loans | -0.0112% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7750% | 4,935 |
| Assets per employee ($millions) | 5.2020% | 2,120 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,596.4912% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,496 |
| Noncurrent loans to loans | 0.0720% | 5,219 |
| Net loans and leases to total assets | 62.6621% | 3,470 |
| Net loans and leases to deposits | 84.2211% | 2,334 |
| Net loans and leases to core deposits | 95.5471% | 1,892 |
| Total domestic deposits to total assets | 74.4019% | 5,609 |
| Equity capital to assets | 9.5379% | 4,512 |
| Core capital (leverage) ratio | 9.9010% | 3,641 |
| Tier 1 risk-based capital ratio | 10.7441% | 5,647 |
| Total risk-based capital ratio | 11.5683% | 5,780 |
| Memoranda: | ||
| Average total assets | $118,261,000 | 4,094 |
| Average earning assets | $109,081,000 | 4,078 |
| Average equity | $11,929,600 | 4,321 |
| Average total loans | $71,436,400 | 4,058 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 4,967 |
| Cost of funding earning assets | 0.3032% | 4,305 |
| Net interest margin | 3.2038% | 4,657 |
| Noninterest income to average assets | 0.3682% | 4,295 |
| Noninterest expense to average assets | 2.0329% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9738% | 2,605 |
| Return on assets (ROA) | 0.9764% | 2,673 |
| Pretax return on assets | 1.2988% | 2,406 |
| Return on Equity (ROE) | 9.5403% | 2,298 |
| Retained earnings to average equity (ytd only) | 7.3061% | 1,544 |
| Net charge-offs to loans | -0.0038% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0787% | 4,719 |
| Assets per employee ($millions) | 5.2112% | 2,049 |
| Cash dividends to net income (ytd only)* | 23.4192% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 3,496 |
| Loan loss allowance to noncurrent loans | 1,772.5490% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,609 |
| Noncurrent loans to loans | 0.0693% | 5,342 |
| Net loans and leases to total assets | 60.6209% | 3,793 |
| Net loans and leases to deposits | 77.9779% | 3,099 |
| Net loans and leases to core deposits | 87.3316% | 2,721 |
| Total domestic deposits to total assets | 77.7412% | 5,230 |
| Equity capital to assets | 10.0903% | 4,060 |
| Core capital (leverage) ratio | 9.8396% | 3,845 |
| Tier 1 risk-based capital ratio | 10.8896% | 5,713 |
| Total risk-based capital ratio | 11.7281% | 5,826 |
| Memoranda: | ||
| Average total assets | $116,614,000 | 4,166 |
| Average earning assets | $107,744,000 | 4,149 |
| Average equity | $11,935,000 | 4,369 |
| Average total loans | $69,509,750 | 4,142 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3754% | 5,283 |
| Cost of funding earning assets | 0.3053% | 4,340 |
| Net interest margin | 3.0701% | 5,044 |
| Noninterest income to average assets | 0.3705% | 4,291 |
| Noninterest expense to average assets | 2.0219% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8855% | 2,962 |
| Return on assets (ROA) | 0.8881% | 3,069 |
| Pretax return on assets | 1.1893% | 2,821 |
| Return on Equity (ROE) | 8.6349% | 2,729 |
| Retained earnings to average equity (ytd only) | 5.2685% | 2,698 |
| Net charge-offs to loans | -0.0029% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0329% | 4,512 |
| Assets per employee ($millions) | 4.9414% | 2,345 |
| Cash dividends to net income (ytd only)* | 38.9864% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,703.7736% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,672 |
| Noncurrent loans to loans | 0.0786% | 5,421 |
| Net loans and leases to total assets | 58.5647% | 4,030 |
| Net loans and leases to deposits | 70.3921% | 3,884 |
| Net loans and leases to core deposits | 78.3797% | 3,538 |
| Total domestic deposits to total assets | 83.1978% | 3,873 |
| Equity capital to assets | 10.4556% | 3,491 |
| Core capital (leverage) ratio | 10.2550% | 3,278 |
| Tier 1 risk-based capital ratio | 10.5415% | 5,904 |
| Total risk-based capital ratio | 11.3774% | 5,994 |
| Memoranda: | ||
| Average total assets | $115,532,670 | 4,227 |
| Average earning assets | $106,771,670 | 4,206 |
| Average equity | $11,882,000 | 4,403 |
| Average total loans | $68,158,670 | 4,210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 5,436 |
| Cost of funding earning assets | 0.3162% | 4,262 |
| Net interest margin | 2.9910% | 5,242 |
| Noninterest income to average assets | 0.3709% | 4,239 |
| Noninterest expense to average assets | 1.9163% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8895% | 2,790 |
| Return on assets (ROA) | 0.8895% | 2,917 |
| Pretax return on assets | 1.2157% | 2,606 |
| Return on Equity (ROE) | 8.7194% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.7194% | 1,303 |
| Net charge-offs to loans | -0.0058% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1842% | 4,933 |
| Assets per employee ($millions) | 4.5565% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 2,329 |
| Loan loss allowance to noncurrent loans | 1,672.2222% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 5,749 |
| Noncurrent loans to loans | 0.0915% | 5,420 |
| Net loans and leases to total assets | 51.0258% | 4,740 |
| Net loans and leases to deposits | 59.3451% | 4,796 |
| Net loans and leases to core deposits | 65.0896% | 4,606 |
| Total domestic deposits to total assets | 85.9814% | 2,950 |
| Equity capital to assets | 10.5265% | 3,504 |
| Core capital (leverage) ratio | 9.8456% | 3,829 |
| Tier 1 risk-based capital ratio | 12.1157% | 5,169 |
| Total risk-based capital ratio | 13.0800% | 5,248 |
| Memoranda: | ||
| Average total assets | $116,473,000 | 4,250 |
| Average earning assets | $107,522,000 | 4,225 |
| Average equity | $11,881,500 | 4,429 |
| Average total loans | $68,506,500 | 4,218 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,785 |
| Cost of funding earning assets | 0.3548% | 4,203 |
| Net interest margin | 3.3426% | 4,430 |
| Noninterest income to average assets | 0.3874% | 4,279 |
| Noninterest expense to average assets | 2.0753% | 5,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0472% | 2,175 |
| Return on assets (ROA) | 1.2042% | 1,628 |
| Pretax return on assets | 1.5819% | 1,289 |
| Return on Equity (ROE) | 11.7864% | 1,468 |
| Retained earnings to average equity (ytd only) | 5.6404% | 2,174 |
| Net charge-offs to loans | 0.0069% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 308.8000% | 182 |
| Efficiency ratio | 60.1446% | 5,202 |
| Assets per employee ($millions) | 4.7613% | 2,644 |
| Cash dividends to net income (ytd only)* | 52.1450% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 4,243 |
| Loan loss allowance to noncurrent loans | 1,528.8136% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,830 |
| Noncurrent loans to loans | 0.0757% | 5,580 |
| Net loans and leases to total assets | 64.7577% | 3,096 |
| Net loans and leases to deposits | 81.0291% | 2,599 |
| Net loans and leases to core deposits | 94.0060% | 1,923 |
| Total domestic deposits to total assets | 79.9190% | 5,044 |
| Equity capital to assets | 9.8897% | 4,245 |
| Core capital (leverage) ratio | 9.7740% | 3,869 |
| Tier 1 risk-based capital ratio | 11.2122% | 5,812 |
| Total risk-based capital ratio | 12.1245% | 5,887 |
| Memoranda: | ||
| Average total assets | $112,272,800 | 4,335 |
| Average earning assets | $102,884,400 | 4,330 |
| Average equity | $11,470,800 | 4,465 |
| Average total loans | $72,142,200 | 4,119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 4,802 |
| Cost of funding earning assets | 0.3610% | 4,224 |
| Net interest margin | 3.3580% | 4,396 |
| Noninterest income to average assets | 0.4220% | 4,083 |
| Noninterest expense to average assets | 2.1522% | 5,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9642% | 2,627 |
| Return on assets (ROA) | 1.0996% | 2,096 |
| Pretax return on assets | 1.5312% | 1,537 |
| Return on Equity (ROE) | 10.6706% | 1,916 |
| Retained earnings to average equity (ytd only) | 4.7620% | 3,234 |
| Net charge-offs to loans | 0.0113% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 185.6625% | 346 |
| Efficiency ratio | 61.5730% | 4,946 |
| Assets per employee ($millions) | 4.4643% | 3,031 |
| Cash dividends to net income (ytd only)* | 55.3731% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,877 |
| Loan loss allowance to noncurrent loans | 1,478.6885% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 5,929 |
| Noncurrent loans to loans | 0.0852% | 5,690 |
| Net loans and leases to total assets | 63.3082% | 3,295 |
| Net loans and leases to deposits | 76.8796% | 3,082 |
| Net loans and leases to core deposits | 82.7782% | 3,027 |
| Total domestic deposits to total assets | 82.3471% | 4,363 |
| Equity capital to assets | 10.4984% | 3,560 |
| Core capital (leverage) ratio | 9.9152% | 3,793 |
| Tier 1 risk-based capital ratio | 11.7922% | 5,615 |
| Total risk-based capital ratio | 12.7729% | 5,707 |
| Memoranda: | ||
| Average total assets | $110,582,750 | 4,410 |
| Average earning assets | $101,207,000 | 4,408 |
| Average equity | $11,395,500 | 4,506 |
| Average total loans | $70,681,500 | 4,195 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,848 |
| Cost of funding earning assets | 0.3458% | 4,473 |
| Net interest margin | 3.3590% | 4,353 |
| Noninterest income to average assets | 0.4082% | 4,184 |
| Noninterest expense to average assets | 2.1607% | 5,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9386% | 2,607 |
| Return on assets (ROA) | 1.1357% | 1,883 |
| Pretax return on assets | 1.5911% | 1,273 |
| Return on Equity (ROE) | 11.0911% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.0911% | 528 |
| Net charge-offs to loans | 0.0170% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 482 |
| Efficiency ratio | 62.1932% | 4,979 |
| Assets per employee ($millions) | 4.4280% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,025 |
| Loan loss allowance to noncurrent loans | 205.2392% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,823 |
| Noncurrent loans to loans | 0.6189% | 4,166 |
| Net loans and leases to total assets | 63.2632% | 3,202 |
| Net loans and leases to deposits | 77.5139% | 2,865 |
| Net loans and leases to core deposits | 83.4770% | 2,794 |
| Total domestic deposits to total assets | 81.6153% | 4,778 |
| Equity capital to assets | 10.5437% | 3,388 |
| Core capital (leverage) ratio | 10.2418% | 3,278 |
| Tier 1 risk-based capital ratio | 12.2725% | 5,370 |
| Total risk-based capital ratio | 13.2718% | 5,466 |
| Memoranda: | ||
| Average total assets | $110,241,000 | 4,444 |
| Average earning assets | $100,624,670 | 4,453 |
| Average equity | $11,288,330 | 4,540 |
| Average total loans | $70,389,000 | 4,223 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,918 |
| Cost of funding earning assets | 0.3552% | 4,489 |
| Net interest margin | 3.3249% | 4,442 |
| Noninterest income to average assets | 0.4145% | 4,071 |
| Noninterest expense to average assets | 2.1234% | 5,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9446% | 2,432 |
| Return on assets (ROA) | 1.1017% | 1,868 |
| Pretax return on assets | 1.5380% | 1,315 |
| Return on Equity (ROE) | 10.9224% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.9224% | 759 |
| Net charge-offs to loans | 0.0114% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 181.5000% | 269 |
| Efficiency ratio | 61.6684% | 5,177 |
| Assets per employee ($millions) | 4.3595% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 3,847 |
| Loan loss allowance to noncurrent loans | 1,274.6479% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 6,081 |
| Noncurrent loans to loans | 0.1059% | 5,807 |
| Net loans and leases to total assets | 60.6948% | 3,443 |
| Net loans and leases to deposits | 72.9279% | 3,216 |
| Net loans and leases to core deposits | 74.8109% | 3,554 |
| Total domestic deposits to total assets | 83.2257% | 4,524 |
| Equity capital to assets | 10.2874% | 3,490 |
| Core capital (leverage) ratio | 9.7938% | 3,869 |
| Tier 1 risk-based capital ratio | 12.1251% | 5,556 |
| Total risk-based capital ratio | 13.1466% | 5,632 |
| Memoranda: | ||
| Average total assets | $110,011,000 | 4,488 |
| Average earning assets | $100,214,500 | 4,501 |
| Average equity | $11,096,500 | 4,592 |
| Average total loans | $70,116,500 | 4,259 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,933 |
| Cost of funding earning assets | 0.3914% | 4,742 |
| Net interest margin | 3.3717% | 4,396 |
| Noninterest income to average assets | 0.4582% | 4,035 |
| Noninterest expense to average assets | 2.1808% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9811% | 2,419 |
| Return on assets (ROA) | 1.4304% | 1,003 |
| Pretax return on assets | 1.9860% | 498 |
| Return on Equity (ROE) | 15.1148% | 740 |
| Retained earnings to average equity (ytd only) | 11.3028% | 388 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5978% | 5,524 |
| Assets per employee ($millions) | 4.4414% | 3,009 |
| Cash dividends to net income (ytd only)* | 25.2207% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 4,436 |
| Loan loss allowance to noncurrent loans | 1,565.5172% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 6,216 |
| Noncurrent loans to loans | 0.0793% | 5,978 |
| Net loans and leases to total assets | 65.0882% | 2,848 |
| Net loans and leases to deposits | 85.1678% | 1,792 |
| Net loans and leases to core deposits | 86.9958% | 2,350 |
| Total domestic deposits to total assets | 76.4234% | 6,057 |
| Equity capital to assets | 9.8898% | 3,914 |
| Core capital (leverage) ratio | 9.5721% | 4,150 |
| Tier 1 risk-based capital ratio | 11.5720% | 5,868 |
| Total risk-based capital ratio | 12.5786% | 5,939 |
| Memoranda: | ||
| Average total assets | $110,876,000 | 4,477 |
| Average earning assets | $101,432,600 | 4,475 |
| Average equity | $10,493,000 | 4,745 |
| Average total loans | $66,383,200 | 4,399 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 5,118 |
| Cost of funding earning assets | 0.3979% | 4,834 |
| Net interest margin | 3.3183% | 4,575 |
| Noninterest income to average assets | 0.4932% | 3,862 |
| Noninterest expense to average assets | 2.1641% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9402% | 2,638 |
| Return on assets (ROA) | 1.2871% | 1,447 |
| Pretax return on assets | 1.8718% | 756 |
| Return on Equity (ROE) | 13.7560% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.7560% | 272 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6313% | 5,609 |
| Assets per employee ($millions) | 4.3526% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,118 |
| Loan loss allowance to noncurrent loans | 447.2906% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 5,884 |
| Noncurrent loans to loans | 0.3024% | 5,475 |
| Net loans and leases to total assets | 60.8486% | 3,551 |
| Net loans and leases to deposits | 79.3198% | 2,505 |
| Net loans and leases to core deposits | 81.3907% | 2,950 |
| Total domestic deposits to total assets | 76.7130% | 6,086 |
| Equity capital to assets | 9.8138% | 4,157 |
| Core capital (leverage) ratio | 9.3361% | 4,639 |
| Tier 1 risk-based capital ratio | 12.5975% | 5,390 |
| Total risk-based capital ratio | 13.7055% | 5,421 |
| Memoranda: | ||
| Average total assets | $110,836,500 | 4,520 |
| Average earning assets | $101,535,500 | 4,515 |
| Average equity | $10,371,000 | 4,820 |
| Average total loans | $64,684,500 | 4,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 5,093 |
| Cost of funding earning assets | 0.4056% | 4,885 |
| Net interest margin | 3.3112% | 4,531 |
| Noninterest income to average assets | 0.5076% | 3,778 |
| Noninterest expense to average assets | 2.1433% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9569% | 2,529 |
| Return on assets (ROA) | 1.2824% | 1,464 |
| Pretax return on assets | 1.8671% | 794 |
| Return on Equity (ROE) | 13.9263% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.9263% | 302 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9321% | 5,739 |
| Assets per employee ($millions) | 4.3079% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 4,003 |
| Loan loss allowance to noncurrent loans | 563.9752% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 6,044 |
| Noncurrent loans to loans | 0.2496% | 5,684 |
| Net loans and leases to total assets | 59.0564% | 3,819 |
| Net loans and leases to deposits | 70.6477% | 3,634 |
| Net loans and leases to core deposits | 72.4438% | 3,991 |
| Total domestic deposits to total assets | 83.5929% | 4,479 |
| Equity capital to assets | 9.9121% | 4,031 |
| Core capital (leverage) ratio | 8.7928% | 5,299 |
| Tier 1 risk-based capital ratio | 11.8820% | 5,861 |
| Total risk-based capital ratio | 12.9671% | 5,939 |
| Memoranda: | ||
| Average total assets | $111,510,000 | 4,546 |
| Average earning assets | $102,079,000 | 4,519 |
| Average equity | $10,268,330 | 4,880 |
| Average total loans | $63,872,330 | 4,544 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 5,070 |
| Cost of funding earning assets | 0.4248% | 4,865 |
| Net interest margin | 3.3017% | 4,512 |
| Noninterest income to average assets | 0.5184% | 3,644 |
| Noninterest expense to average assets | 2.0209% | 6,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0395% | 2,075 |
| Return on assets (ROA) | 1.2414% | 1,516 |
| Pretax return on assets | 1.8057% | 875 |
| Return on Equity (ROE) | 13.9891% | 965 |
| Retained earnings to average equity (ytd only) | 13.9891% | 452 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5908% | 6,185 |
| Assets per employee ($millions) | 4.5068% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 3,542 |
| Loan loss allowance to noncurrent loans | 563.9752% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 6,148 |
| Noncurrent loans to loans | 0.2776% | 5,707 |
| Net loans and leases to total assets | 50.6679% | 4,902 |
| Net loans and leases to deposits | 60.8952% | 4,695 |
| Net loans and leases to core deposits | 62.7230% | 4,883 |
| Total domestic deposits to total assets | 83.2051% | 4,790 |
| Equity capital to assets | 9.2455% | 5,203 |
| Core capital (leverage) ratio | 8.2417% | 5,892 |
| Tier 1 risk-based capital ratio | 12.0570% | 5,881 |
| Total risk-based capital ratio | 13.2029% | 5,908 |
| Memoranda: | ||
| Average total assets | $113,416,500 | 4,539 |
| Average earning assets | $103,582,000 | 4,528 |
| Average equity | $10,065,000 | 4,972 |
| Average total loans | $63,553,500 | 4,579 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 5,062 |
| Cost of funding earning assets | 0.5563% | 4,757 |
| Net interest margin | 3.5121% | 4,447 |
| Noninterest income to average assets | 0.4946% | 3,937 |
| Noninterest expense to average assets | 2.2064% | 5,911 |
| Loan and lease loss provision to assets | 0.0545% | 5,121 |
| Net operating income to assets | 1.0556% | 2,096 |
| Return on assets (ROA) | 1.1980% | 1,775 |
| Pretax return on assets | 1.6437% | 1,275 |
| Return on Equity (ROE) | 13.7661% | 1,039 |
| Retained earnings to average equity (ytd only) | 5.4230% | 2,428 |
| Net charge-offs to loans | -0.1507% | 6,896 |
| Credit loss provision to net charge-offs | -59.4059% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9366% | 5,961 |
| Assets per employee ($millions) | 4.7568% | 2,573 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,561 |
| Loan loss allowance to noncurrent loans | 4,540.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 6,631 |
| Noncurrent loans to loans | 0.0289% | 6,445 |
| Net loans and leases to total assets | 59.7423% | 3,647 |
| Net loans and leases to deposits | 78.6356% | 2,445 |
| Net loans and leases to core deposits | 79.3501% | 3,102 |
| Total domestic deposits to total assets | 75.9736% | 6,354 |
| Equity capital to assets | 8.5081% | 6,045 |
| Core capital (leverage) ratio | 8.4220% | 5,729 |
| Tier 1 risk-based capital ratio | 10.3378% | 6,601 |
| Total risk-based capital ratio | 11.3607% | 6,642 |
| Memoranda: | ||
| Average total assets | $110,181,200 | 4,586 |
| Average earning assets | $100,850,800 | 4,576 |
| Average equity | $9,588,800 | 5,082 |
| Average total loans | $67,012,200 | 4,460 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 5,042 |
| Cost of funding earning assets | 0.5847% | 4,792 |
| Net interest margin | 3.5548% | 4,420 |
| Noninterest income to average assets | 0.4970% | 3,952 |
| Noninterest expense to average assets | 1.9672% | 6,409 |
| Loan and lease loss provision to assets | 0.0550% | 5,054 |
| Net operating income to assets | 1.1523% | 1,895 |
| Return on assets (ROA) | 1.3127% | 1,551 |
| Pretax return on assets | 1.9843% | 720 |
| Return on Equity (ROE) | 14.9962% | 902 |
| Retained earnings to average equity (ytd only) | 12.2062% | 501 |
| Net charge-offs to loans | -0.0200% | 6,498 |
| Credit loss provision to net charge-offs | -450.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7404% | 6,608 |
| Assets per employee ($millions) | 4.6614% | 2,659 |
| Cash dividends to net income (ytd only)* | 18.6046% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,465 |
| Loan loss allowance to noncurrent loans | 1,862.7907% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,670 |
| Noncurrent loans to loans | 0.0624% | 6,462 |
| Net loans and leases to total assets | 60.8792% | 3,591 |
| Net loans and leases to deposits | 76.6965% | 2,880 |
| Net loans and leases to core deposits | 77.5983% | 3,516 |
| Total domestic deposits to total assets | 79.3768% | 5,791 |
| Equity capital to assets | 9.0289% | 5,798 |
| Core capital (leverage) ratio | 8.8165% | 5,316 |
| Tier 1 risk-based capital ratio | 10.6571% | 6,613 |
| Total risk-based capital ratio | 11.5551% | 6,701 |
| Memoranda: | ||
| Average total assets | $109,186,000 | 4,659 |
| Average earning assets | $100,332,500 | 4,634 |
| Average equity | $9,557,750 | 5,138 |
| Average total loans | $66,487,500 | 4,529 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 5,342 |
| Cost of funding earning assets | 0.6188% | 4,730 |
| Net interest margin | 3.4738% | 4,787 |
| Noninterest income to average assets | 0.4950% | 3,950 |
| Noninterest expense to average assets | 1.9559% | 6,505 |
| Loan and lease loss provision to assets | 0.0554% | 4,971 |
| Net operating income to assets | 1.1226% | 1,968 |
| Return on assets (ROA) | 1.3058% | 1,575 |
| Pretax return on assets | 1.9503% | 757 |
| Return on Equity (ROE) | 15.0800% | 926 |
| Retained earnings to average equity (ytd only) | 10.8141% | 780 |
| Net charge-offs to loans | -0.0639% | 6,736 |
| Credit loss provision to net charge-offs | -142.8571% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4256% | 6,614 |
| Assets per employee ($millions) | 4.5235% | 2,858 |
| Cash dividends to net income (ytd only)* | 28.2885% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 5,181 |
| Loan loss allowance to noncurrent loans | 2,046.1538% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 6,746 |
| Noncurrent loans to loans | 0.0604% | 6,519 |
| Net loans and leases to total assets | 58.7506% | 4,031 |
| Net loans and leases to deposits | 73.0507% | 3,452 |
| Net loans and leases to core deposits | 74.3545% | 3,975 |
| Total domestic deposits to total assets | 80.4245% | 5,637 |
| Equity capital to assets | 8.8768% | 5,831 |
| Core capital (leverage) ratio | 8.4066% | 5,778 |
| Tier 1 risk-based capital ratio | 10.8552% | 6,557 |
| Total risk-based capital ratio | 11.8059% | 6,661 |
| Memoranda: | ||
| Average total assets | $108,290,000 | 4,710 |
| Average earning assets | $99,544,670 | 4,678 |
| Average equity | $9,376,670 | 5,191 |
| Average total loans | $65,680,330 | 4,578 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 5,902 |
| Cost of funding earning assets | 0.6598% | 4,639 |
| Net interest margin | 3.2909% | 5,503 |
| Noninterest income to average assets | 0.4919% | 3,966 |
| Noninterest expense to average assets | 1.8973% | 6,652 |
| Loan and lease loss provision to assets | 0.0555% | 4,711 |
| Net operating income to assets | 1.0101% | 2,439 |
| Return on assets (ROA) | 1.2649% | 1,724 |
| Pretax return on assets | 1.9565% | 798 |
| Return on Equity (ROE) | 14.7948% | 1,013 |
| Retained earnings to average equity (ytd only) | 14.7948% | 470 |
| Net charge-offs to loans | -0.0423% | 6,470 |
| Credit loss provision to net charge-offs | -214.2857% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2093% | 6,601 |
| Assets per employee ($millions) | 4.5088% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 5,127 |
| Loan loss allowance to noncurrent loans | 1,081.6901% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 6,581 |
| Noncurrent loans to loans | 0.1180% | 6,460 |
| Net loans and leases to total assets | 54.9006% | 4,570 |
| Net loans and leases to deposits | 65.0886% | 4,476 |
| Net loans and leases to core deposits | 65.6497% | 4,958 |
| Total domestic deposits to total assets | 84.3474% | 4,347 |
| Equity capital to assets | 8.7421% | 5,821 |
| Core capital (leverage) ratio | 8.2822% | 5,902 |
| Tier 1 risk-based capital ratio | 11.5692% | 6,245 |
| Total risk-based capital ratio | 12.5652% | 6,363 |
| Memoranda: | ||
| Average total assets | $108,153,000 | 4,749 |
| Average earning assets | $99,426,500 | 4,711 |
| Average equity | $9,246,500 | 5,231 |
| Average total loans | $66,230,500 | 4,579 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 5,523 |
| Cost of funding earning assets | 0.8886% | 4,197 |
| Net interest margin | 3.4851% | 5,202 |
| Noninterest income to average assets | 0.5111% | 3,773 |
| Noninterest expense to average assets | 2.2884% | 6,071 |
| Loan and lease loss provision to assets | 0.3036% | 3,240 |
| Net operating income to assets | 0.7633% | 3,203 |
| Return on assets (ROA) | 0.8842% | 2,804 |
| Pretax return on assets | 1.2896% | 2,170 |
| Return on Equity (ROE) | 10.0373% | 2,047 |
| Retained earnings to average equity (ytd only) | 5.5911% | 2,244 |
| Net charge-offs to loans | 0.3616% | 3,599 |
| Credit loss provision to net charge-offs | 126.5306% | 2,455 |
| Earnings coverage of net charge-offs (x) | 5.9102% | 2,648 |
| Efficiency ratio | 58.0185% | 6,056 |
| Assets per employee ($millions) | 4.5039% | 2,905 |
| Cash dividends to net income (ytd only)* | 44.2968% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 6,062 |
| Loan loss allowance to noncurrent loans | 2,762.9630% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 6,727 |
| Noncurrent loans to loans | 0.0374% | 6,733 |
| Net loans and leases to total assets | 66.1813% | 2,753 |
| Net loans and leases to deposits | 89.2040% | 1,245 |
| Net loans and leases to core deposits | 91.2277% | 1,964 |
| Total domestic deposits to total assets | 74.1910% | 6,695 |
| Equity capital to assets | 8.3566% | 6,297 |
| Core capital (leverage) ratio | 8.4810% | 5,592 |
| Tier 1 risk-based capital ratio | 10.0757% | 6,837 |
| Total risk-based capital ratio | 10.9546% | 6,913 |
| Memoranda: | ||
| Average total assets | $102,124,600 | 4,845 |
| Average earning assets | $93,627,600 | 4,819 |
| Average equity | $8,996,400 | 5,276 |
| Average total loans | $67,763,600 | 4,566 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 5,761 |
| Cost of funding earning assets | 0.9241% | 4,240 |
| Net interest margin | 3.4293% | 5,470 |
| Noninterest income to average assets | 0.5339% | 3,623 |
| Noninterest expense to average assets | 2.2365% | 6,197 |
| Loan and lease loss provision to assets | 0.0596% | 5,698 |
| Net operating income to assets | 0.8634% | 2,895 |
| Return on assets (ROA) | 0.9685% | 2,611 |
| Pretax return on assets | 1.5488% | 1,523 |
| Return on Equity (ROE) | 10.8447% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.8776% | 1,553 |
| Net charge-offs to loans | 0.0200% | 5,874 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 109.0248% | 333 |
| Efficiency ratio | 56.6235% | 6,191 |
| Assets per employee ($millions) | 4.3499% | 3,179 |
| Cash dividends to net income (ytd only)* | 27.3598% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 6,109 |
| Loan loss allowance to noncurrent loans | 2,557.1429% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 6,115 |
| Noncurrent loans to loans | 0.0404% | 6,841 |
| Net loans and leases to total assets | 65.6542% | 2,974 |
| Net loans and leases to deposits | 85.0100% | 1,834 |
| Net loans and leases to core deposits | 85.8383% | 2,796 |
| Total domestic deposits to total assets | 77.2311% | 6,341 |
| Equity capital to assets | 8.8432% | 5,931 |
| Core capital (leverage) ratio | 8.5362% | 5,659 |
| Tier 1 risk-based capital ratio | 10.6157% | 6,728 |
| Total risk-based capital ratio | 11.5042% | 6,859 |
| Memoranda: | ||
| Average total assets | $100,632,250 | 4,909 |
| Average earning assets | $92,339,500 | 4,889 |
| Average equity | $8,987,250 | 5,310 |
| Average total loans | $66,633,500 | 4,647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 5,897 |
| Cost of funding earning assets | 0.9418% | 4,382 |
| Net interest margin | 3.3920% | 5,579 |
| Noninterest income to average assets | 0.5434% | 3,527 |
| Noninterest expense to average assets | 2.3003% | 6,131 |
| Loan and lease loss provision to assets | 0.0604% | 5,556 |
| Net operating income to assets | 0.8010% | 3,068 |
| Return on assets (ROA) | 0.8332% | 3,046 |
| Pretax return on assets | 1.3424% | 1,992 |
| Return on Equity (ROE) | 9.2974% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.8059% | 3,117 |
| Net charge-offs to loans | 0.0274% | 5,442 |
| Credit loss provision to net charge-offs | 333.3333% | 913 |
| Earnings coverage of net charge-offs (x) | 74.6667% | 457 |
| Efficiency ratio | 58.5675% | 6,093 |
| Assets per employee ($millions) | 4.2545% | 3,244 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 6,056 |
| Loan loss allowance to noncurrent loans | 125.8528% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 4,903 |
| Noncurrent loans to loans | 0.8534% | 5,239 |
| Net loans and leases to total assets | 63.2379% | 3,628 |
| Net loans and leases to deposits | 77.4706% | 3,223 |
| Net loans and leases to core deposits | 78.1996% | 4,032 |
| Total domestic deposits to total assets | 81.6283% | 5,305 |
| Equity capital to assets | 8.7740% | 5,849 |
| Core capital (leverage) ratio | 8.2805% | 5,902 |
| Tier 1 risk-based capital ratio | 10.7358% | 6,692 |
| Total risk-based capital ratio | 11.6532% | 6,822 |
| Memoranda: | ||
| Average total assets | $99,377,330 | 4,975 |
| Average earning assets | $91,097,670 | 4,963 |
| Average equity | $8,905,670 | 5,349 |
| Average total loans | $65,759,000 | 4,735 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 5,496 |
| Cost of funding earning assets | 0.9565% | 4,521 |
| Net interest margin | 3.4998% | 5,012 |
| Noninterest income to average assets | 0.4979% | 3,909 |
| Noninterest expense to average assets | 2.3262% | 6,126 |
| Loan and lease loss provision to assets | 0.0612% | 5,231 |
| Net operating income to assets | 0.8081% | 2,987 |
| Return on assets (ROA) | 0.8081% | 3,053 |
| Pretax return on assets | 1.3060% | 2,025 |
| Return on Equity (ROE) | 8.9199% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.9199% | 1,406 |
| Net charge-offs to loans | -0.0242% | 6,636 |
| Credit loss provision to net charge-offs | -375.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5635% | 6,200 |
| Assets per employee ($millions) | 4.1496% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,917 |
| Loan loss allowance to noncurrent loans | 897.4359% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 6,080 |
| Noncurrent loans to loans | 0.1263% | 6,732 |
| Net loans and leases to total assets | 61.3144% | 4,006 |
| Net loans and leases to deposits | 73.7779% | 3,790 |
| Net loans and leases to core deposits | 74.4762% | 4,486 |
| Total domestic deposits to total assets | 83.1067% | 4,886 |
| Equity capital to assets | 8.9738% | 5,242 |
| Core capital (leverage) ratio | 8.3147% | 5,784 |
| Tier 1 risk-based capital ratio | 10.9498% | 6,542 |
| Total risk-based capital ratio | 11.8906% | 6,713 |
| Memoranda: | ||
| Average total assets | $98,012,000 | 5,056 |
| Average earning assets | $89,491,000 | 5,039 |
| Average equity | $8,879,000 | 5,365 |
| Average total loans | $66,002,500 | 4,764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 4,549 |
| Cost of funding earning assets | 1.2519% | 4,202 |
| Net interest margin | 3.7500% | 4,151 |
| Noninterest income to average assets | 0.4959% | 4,201 |
| Noninterest expense to average assets | 2.3685% | 6,171 |
| Loan and lease loss provision to assets | 0.0641% | 6,503 |
| Net operating income to assets | 0.9235% | 2,305 |
| Return on assets (ROA) | 0.9235% | 2,426 |
| Pretax return on assets | 1.4953% | 1,386 |
| Return on Equity (ROE) | 10.0302% | 1,919 |
| Retained earnings to average equity (ytd only) | 5.3866% | 2,190 |
| Net charge-offs to loans | -0.0514% | 7,449 |
| Credit loss provision to net charge-offs | -176.4706% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9456% | 6,603 |
| Assets per employee ($millions) | 4.0181% | 3,745 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 6,495 |
| Loan loss allowance to noncurrent loans | 791.8605% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 6,087 |
| Noncurrent loans to loans | 0.1224% | 6,831 |
| Net loans and leases to total assets | 72.1333% | 2,072 |
| Net loans and leases to deposits | 94.2919% | 1,036 |
| Net loans and leases to core deposits | 95.2917% | 2,088 |
| Total domestic deposits to total assets | 76.5000% | 6,569 |
| Equity capital to assets | 9.1472% | 4,922 |
| Core capital (leverage) ratio | 8.4732% | 5,415 |
| Tier 1 risk-based capital ratio | 10.2568% | 6,843 |
| Total risk-based capital ratio | 11.1399% | 7,018 |
| Memoranda: | ||
| Average total assets | $93,559,400 | 5,175 |
| Average earning assets | $85,626,800 | 5,158 |
| Average equity | $8,614,000 | 5,523 |
| Average total loans | $66,124,400 | 4,821 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 4,711 |
| Cost of funding earning assets | 1.3107% | 4,149 |
| Net interest margin | 3.7110% | 4,351 |
| Noninterest income to average assets | 0.4998% | 4,190 |
| Noninterest expense to average assets | 2.3725% | 6,107 |
| Loan and lease loss provision to assets | 0.0646% | 6,419 |
| Net operating income to assets | 0.9076% | 2,573 |
| Return on assets (ROA) | 0.9076% | 2,723 |
| Pretax return on assets | 1.4620% | 1,716 |
| Return on Equity (ROE) | 9.8415% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.7271% | 1,978 |
| Net charge-offs to loans | -0.0594% | 7,488 |
| Credit loss provision to net charge-offs | -155.1724% | 6,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4273% | 6,497 |
| Assets per employee ($millions) | 3.8982% | 4,038 |
| Cash dividends to net income (ytd only)* | 31.6454% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 6,598 |
| Loan loss allowance to noncurrent loans | 759.7701% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 6,193 |
| Noncurrent loans to loans | 0.1242% | 6,933 |
| Net loans and leases to total assets | 74.1409% | 1,774 |
| Net loans and leases to deposits | 93.2588% | 1,287 |
| Net loans and leases to core deposits | 94.3998% | 2,472 |
| Total domestic deposits to total assets | 79.5002% | 5,868 |
| Equity capital to assets | 9.4274% | 4,948 |
| Core capital (leverage) ratio | 8.4303% | 5,643 |
| Tier 1 risk-based capital ratio | 10.3258% | 6,880 |
| Total risk-based capital ratio | 11.1968% | 7,080 |
| Memoranda: | ||
| Average total assets | $92,840,750 | 5,257 |
| Average earning assets | $85,043,250 | 5,237 |
| Average equity | $8,562,250 | 5,610 |
| Average total loans | $65,095,000 | 4,938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 5,003 |
| Cost of funding earning assets | 1.3551% | 4,162 |
| Net interest margin | 3.6308% | 4,686 |
| Noninterest income to average assets | 0.4514% | 4,499 |
| Noninterest expense to average assets | 2.4319% | 5,972 |
| Loan and lease loss provision to assets | 0.0648% | 6,304 |
| Net operating income to assets | 0.7862% | 3,039 |
| Return on assets (ROA) | 0.7862% | 3,185 |
| Pretax return on assets | 1.2764% | 2,167 |
| Return on Equity (ROE) | 8.5886% | 2,625 |
| Retained earnings to average equity (ytd only) | 3.8696% | 3,625 |
| Net charge-offs to loans | -0.0851% | 7,533 |
| Credit loss provision to net charge-offs | -111.1111% | 6,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8741% | 6,066 |
| Assets per employee ($millions) | 3.8872% | 4,014 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 6,304 |
| Loan loss allowance to noncurrent loans | 894.4444% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 6,254 |
| Noncurrent loans to loans | 0.1143% | 7,039 |
| Net loans and leases to total assets | 66.8046% | 3,668 |
| Net loans and leases to deposits | 81.5119% | 3,336 |
| Net loans and leases to core deposits | 83.4492% | 4,217 |
| Total domestic deposits to total assets | 81.9568% | 5,003 |
| Equity capital to assets | 9.1443% | 5,228 |
| Core capital (leverage) ratio | 8.0953% | 6,126 |
| Tier 1 risk-based capital ratio | 10.7216% | 6,510 |
| Total risk-based capital ratio | 11.6386% | 6,762 |
| Memoranda: | ||
| Average total assets | $92,602,000 | 5,292 |
| Average earning assets | $84,718,670 | 5,272 |
| Average equity | $8,476,330 | 5,644 |
| Average total loans | $63,451,670 | 5,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 5,034 |
| Cost of funding earning assets | 1.4297% | 3,992 |
| Net interest margin | 3.5671% | 4,870 |
| Noninterest income to average assets | 0.4726% | 4,272 |
| Noninterest expense to average assets | 2.4107% | 6,049 |
| Loan and lease loss provision to assets | 0.0650% | 5,988 |
| Net operating income to assets | 0.7718% | 3,092 |
| Return on assets (ROA) | 0.7718% | 3,209 |
| Pretax return on assets | 1.2530% | 2,200 |
| Return on Equity (ROE) | 8.4270% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.4270% | 1,555 |
| Net charge-offs to loans | -0.0628% | 7,411 |
| Credit loss provision to net charge-offs | -150.0000% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,174 |
| Assets per employee ($millions) | 4.0292% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,429 |
| Loan loss allowance to noncurrent loans | 571.9626% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 6,200 |
| Noncurrent loans to loans | 0.1760% | 6,985 |
| Net loans and leases to total assets | 64.9322% | 4,110 |
| Net loans and leases to deposits | 79.5626% | 3,735 |
| Net loans and leases to core deposits | 79.5626% | 4,816 |
| Total domestic deposits to total assets | 81.6115% | 5,228 |
| Equity capital to assets | 9.2056% | 4,983 |
| Core capital (leverage) ratio | 8.1644% | 5,970 |
| Tier 1 risk-based capital ratio | 11.0379% | 6,121 |
| Total risk-based capital ratio | 11.9382% | 6,444 |
| Memoranda: | ||
| Average total assets | $92,256,500 | 5,376 |
| Average earning assets | $84,214,500 | 5,356 |
| Average equity | $8,449,000 | 5,700 |
| Average total loans | $63,693,500 | 5,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5250% | 4,015 |
| Cost of funding earning assets | 1.7950% | 4,017 |
| Net interest margin | 3.7299% | 3,998 |
| Noninterest income to average assets | 0.5222% | 4,240 |
| Noninterest expense to average assets | 2.4935% | 6,152 |
| Loan and lease loss provision to assets | 0.0692% | 6,885 |
| Net operating income to assets | 0.8104% | 2,495 |
| Return on assets (ROA) | 0.8104% | 2,578 |
| Pretax return on assets | 1.3107% | 1,666 |
| Return on Equity (ROE) | 8.4881% | 2,203 |
| Retained earnings to average equity (ytd only) | 1.7024% | 3,891 |
| Net charge-offs to loans | -0.0947% | 7,882 |
| Credit loss provision to net charge-offs | -101.6949% | 7,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6131% | 6,540 |
| Assets per employee ($millions) | 3.8267% | 4,214 |
| Cash dividends to net income (ytd only)* | 79.9431% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,887 |
| Loan loss allowance to noncurrent loans | 587.0000% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 6,162 |
| Noncurrent loans to loans | 0.1501% | 7,055 |
| Net loans and leases to total assets | 71.8786% | 2,776 |
| Net loans and leases to deposits | 88.9677% | 2,393 |
| Net loans and leases to core deposits | 100.3435% | 3,963 |
| Total domestic deposits to total assets | 80.7918% | 5,409 |
| Equity capital to assets | 9.1103% | 4,973 |
| Core capital (leverage) ratio | 8.4388% | 5,373 |
| Tier 1 risk-based capital ratio | 10.0216% | 6,853 |
| Total risk-based capital ratio | 10.8291% | 7,162 |
| Memoranda: | ||
| Average total assets | $86,744,400 | 5,498 |
| Average earning assets | $77,937,000 | 5,531 |
| Average equity | $8,282,200 | 5,842 |
| Average total loans | $62,332,200 | 5,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 4,061 |
| Cost of funding earning assets | 1.8551% | 4,123 |
| Net interest margin | 3.7103% | 4,022 |
| Noninterest income to average assets | 0.5600% | 4,011 |
| Noninterest expense to average assets | 2.5459% | 5,912 |
| Loan and lease loss provision to assets | 0.0702% | 6,652 |
| Net operating income to assets | 0.7628% | 2,969 |
| Return on assets (ROA) | 0.7628% | 3,035 |
| Pretax return on assets | 1.2667% | 2,054 |
| Return on Equity (ROE) | 7.8923% | 2,691 |
| Retained earnings to average equity (ytd only) | 3.6637% | 3,240 |
| Net charge-offs to loans | -0.1132% | 7,929 |
| Credit loss provision to net charge-offs | -86.5385% | 7,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7473% | 6,315 |
| Assets per employee ($millions) | 3.5786% | 4,734 |
| Cash dividends to net income (ytd only)* | 53.5783% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 6,928 |
| Loan loss allowance to noncurrent loans | 140.8978% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 6,139 |
| Noncurrent loans to loans | 0.6089% | 6,089 |
| Net loans and leases to total assets | 72.9808% | 2,801 |
| Net loans and leases to deposits | 91.7939% | 2,268 |
| Net loans and leases to core deposits | 104.6161% | 3,861 |
| Total domestic deposits to total assets | 79.5051% | 5,622 |
| Equity capital to assets | 9.4528% | 4,809 |
| Core capital (leverage) ratio | 8.6022% | 5,301 |
| Tier 1 risk-based capital ratio | 10.2914% | 6,692 |
| Total risk-based capital ratio | 11.0843% | 7,072 |
| Memoranda: | ||
| Average total assets | $85,470,250 | 5,567 |
| Average earning assets | $76,542,000 | 5,615 |
| Average equity | $8,261,000 | 5,898 |
| Average total loans | $61,265,000 | 5,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 4,179 |
| Cost of funding earning assets | 1.9107% | 4,210 |
| Net interest margin | 3.6662% | 4,094 |
| Noninterest income to average assets | 0.6109% | 3,599 |
| Noninterest expense to average assets | 2.6219% | 5,649 |
| Loan and lease loss provision to assets | 0.0713% | 6,483 |
| Net operating income to assets | 0.6941% | 3,284 |
| Return on assets (ROA) | 0.6941% | 3,392 |
| Pretax return on assets | 1.1743% | 2,374 |
| Return on Equity (ROE) | 7.1257% | 3,153 |
| Retained earnings to average equity (ytd only) | 0.7321% | 4,898 |
| Net charge-offs to loans | -0.1473% | 8,004 |
| Credit loss provision to net charge-offs | -68.1818% | 6,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8765% | 6,103 |
| Assets per employee ($millions) | 3.1161% | 5,820 |
| Cash dividends to net income (ytd only)* | 89.7260% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,896 |
| Loan loss allowance to noncurrent loans | 121.3004% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 5,932 |
| Noncurrent loans to loans | 0.7187% | 5,799 |
| Net loans and leases to total assets | 70.5038% | 3,585 |
| Net loans and leases to deposits | 85.6530% | 3,610 |
| Net loans and leases to core deposits | 97.2646% | 4,760 |
| Total domestic deposits to total assets | 82.3133% | 4,562 |
| Equity capital to assets | 9.3958% | 4,756 |
| Core capital (leverage) ratio | 8.4403% | 5,544 |
| Tier 1 risk-based capital ratio | 10.3667% | 6,514 |
| Total risk-based capital ratio | 11.1572% | 6,963 |
| Memoranda: | ||
| Average total assets | $84,138,330 | 5,649 |
| Average earning assets | $74,737,330 | 5,717 |
| Average equity | $8,195,670 | 5,952 |
| Average total loans | $59,734,000 | 5,345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6708% | 3,940 |
| Cost of funding earning assets | 1.9962% | 4,151 |
| Net interest margin | 3.6746% | 3,998 |
| Noninterest income to average assets | 0.8137% | 2,263 |
| Noninterest expense to average assets | 2.6689% | 5,154 |
| Loan and lease loss provision to assets | 0.0727% | 6,049 |
| Net operating income to assets | 0.7266% | 3,434 |
| Return on assets (ROA) | 0.7266% | 3,631 |
| Pretax return on assets | 1.2642% | 2,395 |
| Return on Equity (ROE) | 7.3220% | 3,461 |
| Retained earnings to average equity (ytd only) | -5.4671% | 6,617 |
| Net charge-offs to loans | -0.3415% | 8,082 |
| Credit loss provision to net charge-offs | -30.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7896% | 6,097 |
| Assets per employee ($millions) | 3.1398% | 5,774 |
| Cash dividends to net income (ytd only)* | 174.6667% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 6,443 |
| Loan loss allowance to noncurrent loans | 126.3033% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 5,971 |
| Noncurrent loans to loans | 0.7586% | 5,527 |
| Net loans and leases to total assets | 64.9881% | 4,815 |
| Net loans and leases to deposits | 78.2382% | 4,888 |
| Net loans and leases to core deposits | 88.1587% | 5,724 |
| Total domestic deposits to total assets | 83.0644% | 4,112 |
| Equity capital to assets | 9.5654% | 4,576 |
| Core capital (leverage) ratio | 8.3237% | 5,861 |
| Tier 1 risk-based capital ratio | 11.3451% | 5,553 |
| Total risk-based capital ratio | 12.2199% | 5,838 |
| Memoranda: | ||
| Average total assets | $82,581,500 | 5,717 |
| Average earning assets | $71,736,500 | 5,854 |
| Average equity | $8,194,500 | 5,991 |
| Average total loans | $58,572,500 | 5,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3232% | 3,836 |
| Cost of funding earning assets | 2.4866% | 4,277 |
| Net interest margin | 3.8367% | 3,859 |
| Noninterest income to average assets | 0.5270% | 4,411 |
| Noninterest expense to average assets | 2.4511% | 6,201 |
| Loan and lease loss provision to assets | 0.4503% | 3,038 |
| Net operating income to assets | 0.6816% | 3,978 |
| Return on assets (ROA) | 0.6816% | 3,815 |
| Pretax return on assets | 1.0564% | 3,195 |
| Return on Equity (ROE) | 6.9295% | 3,566 |
| Retained earnings to average equity (ytd only) | 1.3612% | 4,404 |
| Net charge-offs to loans | 0.6214% | 1,977 |
| Credit loss provision to net charge-offs | 100.2710% | 5,285 |
| Earnings coverage of net charge-offs (x) | 3.3550% | 4,405 |
| Efficiency ratio | 57.0111% | 6,871 |
| Assets per employee ($millions) | 3.0919% | 5,795 |
| Cash dividends to net income (ytd only)* | 80.3571% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 7,244 |
| Loan loss allowance to noncurrent loans | 113.5922% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 5,643 |
| Noncurrent loans to loans | 0.6697% | 5,358 |
| Net loans and leases to total assets | 75.9445% | 2,637 |
| Net loans and leases to deposits | 90.5183% | 3,363 |
| Net loans and leases to core deposits | 98.5027% | 4,988 |
| Total domestic deposits to total assets | 83.8995% | 3,370 |
| Equity capital to assets | 10.2999% | 3,711 |
| Core capital (leverage) ratio | 8.5208% | 5,538 |
| Tier 1 risk-based capital ratio | 10.6359% | 6,062 |
| Total risk-based capital ratio | 11.3485% | 6,497 |
| Memoranda: | ||
| Average total assets | $82,165,600 | 5,626 |
| Average earning assets | $73,475,200 | 5,689 |
| Average equity | $8,081,400 | 6,056 |
| Average total loans | $59,383,200 | 5,298 |