Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 811 |
| Cost of funding earning assets | 1.7011% | 2,731 |
| Net interest margin | 4.6048% | 540 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.2313% | 3,021 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 2.3625% | 261 |
| Return on assets (ROA) | 2.3625% | 261 |
| Pretax return on assets | 2.3625% | 394 |
| Return on Equity (ROE) | 27.3000% | 153 |
| Retained earnings to average equity (ytd only) | 11.9475% | 805 |
| Net charge-offs to loans | -0.0234% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 46.9610% | 4,063 |
| Assets per employee ($millions) | 5.9340% | 2,984 |
| Cash dividends to net income (ytd only)* | 56.2331% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 572 |
| Loan loss allowance to noncurrent loans | 488.9039% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 2,094 |
| Noncurrent loans to loans | 0.3599% | 2,220 |
| Net loans and leases to total assets | 80.9400% | 511 |
| Net loans and leases to deposits | 89.2226% | 1,168 |
| Net loans and leases to core deposits | 93.4975% | 1,807 |
| Total domestic deposits to total assets | 90.7100% | 600 |
| Equity capital to assets | 8.8510% | 3,040 |
| Core capital (leverage) ratio | 8.8543% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8515% | 2,259 |
| Memoranda: | ||
| Average total assets | $249,902,000 | 2,728 |
| Average earning assets | $237,489,500 | 2,699 |
| Average equity | $21,628,000 | 2,914 |
| Average total loans | $204,816,500 | 2,384 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2114% | 1,017 |
| Cost of funding earning assets | 1.7803% | 2,771 |
| Net interest margin | 4.4311% | 709 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.1258% | 3,321 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 2.4234% | 234 |
| Return on assets (ROA) | 2.4234% | 232 |
| Pretax return on assets | 2.4234% | 327 |
| Return on Equity (ROE) | 27.8200% | 132 |
| Retained earnings to average equity (ytd only) | 0.3636% | 3,827 |
| Net charge-offs to loans | -0.1145% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 46.0461% | 4,167 |
| Assets per employee ($millions) | 6.2644% | 2,677 |
| Cash dividends to net income (ytd only)* | 98.6927% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 602 |
| Loan loss allowance to noncurrent loans | 354.7284% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 1,736 |
| Noncurrent loans to loans | 0.4865% | 1,867 |
| Net loans and leases to total assets | 80.1300% | 641 |
| Net loans and leases to deposits | 88.0018% | 1,395 |
| Net loans and leases to core deposits | 92.3384% | 1,949 |
| Total domestic deposits to total assets | 91.0500% | 501 |
| Equity capital to assets | 8.4593% | 3,237 |
| Core capital (leverage) ratio | 8.6272% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4921% | 2,390 |
| Memoranda: | ||
| Average total assets | $249,364,600 | 2,700 |
| Average earning assets | $235,696,800 | 2,676 |
| Average equity | $21,725,000 | 2,853 |
| Average total loans | $199,135,000 | 2,377 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 1,009 |
| Cost of funding earning assets | 1.7842% | 2,756 |
| Net interest margin | 4.4031% | 711 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 2.1333% | 3,260 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 2.3876% | 263 |
| Return on assets (ROA) | 2.3876% | 260 |
| Pretax return on assets | 2.3876% | 375 |
| Return on Equity (ROE) | 27.2100% | 154 |
| Retained earnings to average equity (ytd only) | 12.4259% | 455 |
| Net charge-offs to loans | -0.1166% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 46.3967% | 4,149 |
| Assets per employee ($millions) | 5.7665% | 3,060 |
| Cash dividends to net income (ytd only)* | 54.3274% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 603 |
| Loan loss allowance to noncurrent loans | 376.4642% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,740 |
| Noncurrent loans to loans | 0.4633% | 1,923 |
| Net loans and leases to total assets | 80.7300% | 543 |
| Net loans and leases to deposits | 89.8851% | 1,255 |
| Net loans and leases to core deposits | 93.7222% | 1,895 |
| Total domestic deposits to total assets | 89.8200% | 641 |
| Equity capital to assets | 9.6427% | 2,542 |
| Core capital (leverage) ratio | 9.4570% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8579% | 1,956 |
| Memoranda: | ||
| Average total assets | $249,061,500 | 2,701 |
| Average earning assets | $234,951,750 | 2,676 |
| Average equity | $21,857,000 | 2,838 |
| Average total loans | $197,843,250 | 2,375 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0848% | 1,054 |
| Cost of funding earning assets | 1.7281% | 2,809 |
| Net interest margin | 4.3567% | 738 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.1134% | 3,288 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.3449% | 279 |
| Return on assets (ROA) | 2.3449% | 279 |
| Pretax return on assets | 2.3449% | 402 |
| Return on Equity (ROE) | 27.6000% | 163 |
| Retained earnings to average equity (ytd only) | 12.9600% | 449 |
| Net charge-offs to loans | -0.2411% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 46.3896% | 4,170 |
| Assets per employee ($millions) | 5.7133% | 3,038 |
| Cash dividends to net income (ytd only)* | 53.0370% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 565 |
| Loan loss allowance to noncurrent loans | 290.7895% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 1,374 |
| Noncurrent loans to loans | 0.6169% | 1,490 |
| Net loans and leases to total assets | 77.0100% | 1,032 |
| Net loans and leases to deposits | 86.8037% | 1,585 |
| Net loans and leases to core deposits | 91.4723% | 2,046 |
| Total domestic deposits to total assets | 88.7100% | 1,096 |
| Equity capital to assets | 8.8215% | 2,859 |
| Core capital (leverage) ratio | 9.1900% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6662% | 2,002 |
| Memoranda: | ||
| Average total assets | $251,351,000 | 2,685 |
| Average earning assets | $237,016,667 | 2,664 |
| Average equity | $21,358,000 | 2,844 |
| Average total loans | $197,458,333 | 2,371 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 1,206 |
| Cost of funding earning assets | 1.7805% | 2,557 |
| Net interest margin | 4.1122% | 953 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.1358% | 3,230 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 2.0817% | 392 |
| Return on assets (ROA) | 2.0817% | 402 |
| Pretax return on assets | 2.0817% | 568 |
| Return on Equity (ROE) | 24.9700% | 228 |
| Retained earnings to average equity (ytd only) | 10.0816% | 1,086 |
| Net charge-offs to loans | 0.0445% | 1,086 |
| Credit loss provision to net charge-offs | 340.9091% | 618 |
| Earnings coverage of net charge-offs (x) | 62.8636% | 868 |
| Efficiency ratio | 48.8440% | 4,074 |
| Assets per employee ($millions) | 5.9484% | 2,882 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 750 |
| Loan loss allowance to noncurrent loans | 132.3232% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 588 |
| Noncurrent loans to loans | 1.2536% | 653 |
| Net loans and leases to total assets | 77.7100% | 886 |
| Net loans and leases to deposits | 87.1544% | 1,435 |
| Net loans and leases to core deposits | 91.5540% | 1,944 |
| Total domestic deposits to total assets | 89.1700% | 1,055 |
| Equity capital to assets | 8.4897% | 3,030 |
| Core capital (leverage) ratio | 8.5602% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9462% | 2,256 |
| Memoranda: | ||
| Average total assets | $251,333,500 | 2,688 |
| Average earning assets | $237,243,000 | 2,670 |
| Average equity | $20,949,000 | 2,889 |
| Average total loans | $197,629,000 | 2,364 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 1,648 |
| Cost of funding earning assets | 0.7600% | 3,837 |
| Net interest margin | 4.4455% | 663 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0197% | 3,585 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 2.3748% | 273 |
| Return on assets (ROA) | 2.3748% | 266 |
| Pretax return on assets | 2.3748% | 387 |
| Return on Equity (ROE) | 27.0600% | 249 |
| Retained earnings to average equity (ytd only) | -1.9930% | 4,271 |
| Net charge-offs to loans | 0.1309% | 754 |
| Credit loss provision to net charge-offs | 162.5514% | 1,393 |
| Earnings coverage of net charge-offs (x) | 25.7901% | 1,725 |
| Efficiency ratio | 43.8812% | 4,253 |
| Assets per employee ($millions) | 6.1667% | 2,680 |
| Cash dividends to net income (ytd only)* | 107.3650% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 792 |
| Loan loss allowance to noncurrent loans | 115.0250% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 415 |
| Noncurrent loans to loans | 1.4164% | 493 |
| Net loans and leases to total assets | 76.9700% | 975 |
| Net loans and leases to deposits | 88.3345% | 1,399 |
| Net loans and leases to core deposits | 91.5087% | 1,947 |
| Total domestic deposits to total assets | 87.1300% | 1,634 |
| Equity capital to assets | 8.1824% | 3,292 |
| Core capital (leverage) ratio | 8.6547% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5127% | 2,408 |
| Memoranda: | ||
| Average total assets | $246,421,200 | 2,707 |
| Average earning assets | $233,157,000 | 2,663 |
| Average equity | $21,625,600 | 2,721 |
| Average total loans | $185,626,200 | 2,389 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 1,619 |
| Cost of funding earning assets | 0.4067% | 4,156 |
| Net interest margin | 4.5589% | 571 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.9870% | 3,627 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.5568% | 232 |
| Return on assets (ROA) | 2.5568% | 230 |
| Pretax return on assets | 2.5568% | 330 |
| Return on Equity (ROE) | 29.1100% | 233 |
| Retained earnings to average equity (ytd only) | 15.7829% | 493 |
| Net charge-offs to loans | 0.2803% | 299 |
| Credit loss provision to net charge-offs | 57.3123% | 1,645 |
| Earnings coverage of net charge-offs (x) | 13.0672% | 1,913 |
| Efficiency ratio | 42.0915% | 4,335 |
| Assets per employee ($millions) | 5.5565% | 3,098 |
| Cash dividends to net income (ytd only)* | 45.7816% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 894 |
| Loan loss allowance to noncurrent loans | 120.1054% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 443 |
| Noncurrent loans to loans | 1.3507% | 524 |
| Net loans and leases to total assets | 75.2100% | 1,135 |
| Net loans and leases to deposits | 86.2165% | 1,482 |
| Net loans and leases to core deposits | 88.3409% | 1,909 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 9.3501% | 2,268 |
| Core capital (leverage) ratio | 9.8369% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7937% | 1,626 |
| Memoranda: | ||
| Average total assets | $245,695,333 | 2,720 |
| Average earning assets | $232,602,000 | 2,690 |
| Average equity | $21,580,333 | 2,734 |
| Average total loans | $180,494,000 | 2,436 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 1,460 |
| Cost of funding earning assets | 0.2594% | 4,280 |
| Net interest margin | 4.6143% | 498 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.0395% | 3,524 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.5695% | 226 |
| Return on assets (ROA) | 2.5695% | 223 |
| Pretax return on assets | 2.5695% | 329 |
| Return on Equity (ROE) | 30.1900% | 232 |
| Retained earnings to average equity (ytd only) | 18.1316% | 504 |
| Net charge-offs to loans | -0.0290% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.7504% | 4,357 |
| Assets per employee ($millions) | 5.6455% | 3,073 |
| Cash dividends to net income (ytd only)* | 39.9375% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 768 |
| Loan loss allowance to noncurrent loans | 207.7734% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 809 |
| Noncurrent loans to loans | 0.8305% | 921 |
| Net loans and leases to total assets | 74.0000% | 1,206 |
| Net loans and leases to deposits | 81.5294% | 1,701 |
| Net loans and leases to core deposits | 82.8183% | 2,073 |
| Total domestic deposits to total assets | 90.7600% | 884 |
| Equity capital to assets | 8.9987% | 2,518 |
| Core capital (leverage) ratio | 9.4003% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2816% | 1,872 |
| Memoranda: | ||
| Average total assets | $249,079,000 | 2,733 |
| Average earning assets | $235,964,500 | 2,695 |
| Average equity | $21,200,500 | 2,782 |
| Average total loans | $179,415,000 | 2,458 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 1,658 |
| Cost of funding earning assets | 0.3203% | 2,723 |
| Net interest margin | 3.7021% | 1,373 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.8529% | 3,926 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.9579% | 323 |
| Return on assets (ROA) | 1.9579% | 311 |
| Pretax return on assets | 1.9579% | 524 |
| Return on Equity (ROE) | 23.8700% | 250 |
| Retained earnings to average equity (ytd only) | 1.8583% | 4,010 |
| Net charge-offs to loans | 0.0510% | 1,158 |
| Credit loss provision to net charge-offs | 174.4186% | 1,199 |
| Earnings coverage of net charge-offs (x) | 61.7907% | 1,235 |
| Efficiency ratio | 47.4855% | 4,274 |
| Assets per employee ($millions) | 5.8046% | 2,945 |
| Cash dividends to net income (ytd only)* | 92.2153% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 739 |
| Loan loss allowance to noncurrent loans | 149.6589% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 588 |
| Noncurrent loans to loans | 1.1656% | 604 |
| Net loans and leases to total assets | 67.7300% | 1,859 |
| Net loans and leases to deposits | 73.8571% | 2,271 |
| Net loans and leases to core deposits | 74.8617% | 2,505 |
| Total domestic deposits to total assets | 91.7000% | 716 |
| Equity capital to assets | 8.0485% | 3,035 |
| Core capital (leverage) ratio | 8.3763% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1532% | 1,919 |
| Memoranda: | ||
| Average total assets | $263,752,400 | 2,641 |
| Average earning assets | $251,288,400 | 2,604 |
| Average equity | $21,632,400 | 2,799 |
| Average total loans | $168,707,200 | 2,467 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 1,722 |
| Cost of funding earning assets | 0.3462% | 1,737 |
| Net interest margin | 3.4655% | 1,765 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.8241% | 3,935 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.7920% | 437 |
| Return on assets (ROA) | 1.7920% | 428 |
| Pretax return on assets | 1.7920% | 743 |
| Return on Equity (ROE) | 21.7500% | 308 |
| Retained earnings to average equity (ytd only) | 11.1770% | 1,006 |
| Net charge-offs to loans | 0.0807% | 734 |
| Credit loss provision to net charge-offs | 44.5545% | 1,545 |
| Earnings coverage of net charge-offs (x) | 35.8218% | 1,435 |
| Efficiency ratio | 49.6899% | 4,182 |
| Assets per employee ($millions) | 6.4794% | 2,338 |
| Cash dividends to net income (ytd only)* | 48.6146% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 811 |
| Loan loss allowance to noncurrent loans | 304.5408% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 1,447 |
| Noncurrent loans to loans | 0.5734% | 1,396 |
| Net loans and leases to total assets | 64.0700% | 2,076 |
| Net loans and leases to deposits | 70.1086% | 2,352 |
| Net loans and leases to core deposits | 71.0527% | 2,564 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 8.3658% | 2,628 |
| Core capital (leverage) ratio | 8.6986% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6093% | 1,533 |
| Memoranda: | ||
| Average total assets | $265,840,000 | 2,652 |
| Average earning assets | $253,389,000 | 2,614 |
| Average equity | $21,901,500 | 2,829 |
| Average total loans | $166,872,000 | 2,484 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 1,990 |
| Cost of funding earning assets | 0.3625% | 1,171 |
| Net interest margin | 3.1893% | 2,224 |
| Noninterest income to average assets | 0.3246% | 3,227 |
| Noninterest expense to average assets | 1.7951% | 3,964 |
| Loan and lease loss provision to assets | 0.0336% | 1,979 |
| Net operating income to assets | 1.5347% | 646 |
| Return on assets (ROA) | 1.5347% | 627 |
| Pretax return on assets | 1.5347% | 1,088 |
| Return on Equity (ROE) | 18.7216% | 404 |
| Retained earnings to average equity (ytd only) | 8.2459% | 1,534 |
| Net charge-offs to loans | -0.0325% | 4,072 |
| Credit loss provision to net charge-offs | -166.6667% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8838% | 4,054 |
| Assets per employee ($millions) | 6.0866% | 2,669 |
| Cash dividends to net income (ytd only)* | 55.9553% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 668 |
| Loan loss allowance to noncurrent loans | 463.7048% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 2,081 |
| Noncurrent loans to loans | 0.4086% | 1,900 |
| Net loans and leases to total assets | 59.5368% | 2,374 |
| Net loans and leases to deposits | 64.9546% | 2,647 |
| Net loans and leases to core deposits | 65.9325% | 2,824 |
| Total domestic deposits to total assets | 91.6590% | 980 |
| Equity capital to assets | 8.1528% | 3,006 |
| Core capital (leverage) ratio | 8.2955% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6192% | 1,532 |
| Memoranda: | ||
| Average total assets | $268,061,667 | 2,663 |
| Average earning assets | $255,416,000 | 2,628 |
| Average equity | $21,974,667 | 2,895 |
| Average total loans | $166,163,667 | 2,500 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 2,077 |
| Cost of funding earning assets | 0.3741% | 1,029 |
| Net interest margin | 3.0307% | 2,404 |
| Noninterest income to average assets | 0.3058% | 3,277 |
| Noninterest expense to average assets | 1.7823% | 3,982 |
| Loan and lease loss provision to assets | 0.0671% | 1,217 |
| Net operating income to assets | 1.3438% | 913 |
| Return on assets (ROA) | 1.3438% | 899 |
| Pretax return on assets | 1.3438% | 1,395 |
| Return on Equity (ROE) | 16.3484% | 499 |
| Retained earnings to average equity (ytd only) | 5.9696% | 2,266 |
| Net charge-offs to loans | -0.0167% | 3,820 |
| Credit loss provision to net charge-offs | -642.8571% | 3,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3013% | 3,937 |
| Assets per employee ($millions) | 6.5240% | 2,360 |
| Cash dividends to net income (ytd only)* | 63.4850% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 837 |
| Loan loss allowance to noncurrent loans | 660.6911% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,579 |
| Noncurrent loans to loans | 0.2766% | 2,482 |
| Net loans and leases to total assets | 61.4301% | 1,926 |
| Net loans and leases to deposits | 67.0192% | 2,239 |
| Net loans and leases to core deposits | 68.1347% | 2,443 |
| Total domestic deposits to total assets | 91.6605% | 717 |
| Equity capital to assets | 8.1810% | 3,423 |
| Core capital (leverage) ratio | 8.0024% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9581% | 1,814 |
| Memoranda: | ||
| Average total assets | $268,187,000 | 2,674 |
| Average earning assets | $255,522,500 | 2,649 |
| Average equity | $22,045,000 | 2,985 |
| Average total loans | $167,983,000 | 2,474 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 1,732 |
| Cost of funding earning assets | 0.5163% | 867 |
| Net interest margin | 3.3404% | 2,210 |
| Noninterest income to average assets | 0.3168% | 3,514 |
| Noninterest expense to average assets | 1.9287% | 3,860 |
| Loan and lease loss provision to assets | 0.1627% | 723 |
| Net operating income to assets | 1.4219% | 1,209 |
| Return on assets (ROA) | 1.4219% | 1,274 |
| Pretax return on assets | 1.4219% | 1,973 |
| Return on Equity (ROE) | 17.1801% | 562 |
| Retained earnings to average equity (ytd only) | 3.8532% | 3,277 |
| Net charge-offs to loans | -0.0160% | 3,898 |
| Credit loss provision to net charge-offs | -1,580.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5209% | 3,870 |
| Assets per employee ($millions) | 6.2532% | 2,525 |
| Cash dividends to net income (ytd only)* | 77.5717% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 893 |
| Loan loss allowance to noncurrent loans | 744.3069% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,895 |
| Noncurrent loans to loans | 0.2396% | 2,774 |
| Net loans and leases to total assets | 61.5807% | 1,987 |
| Net loans and leases to deposits | 67.2558% | 2,382 |
| Net loans and leases to core deposits | 68.6517% | 2,592 |
| Total domestic deposits to total assets | 91.5619% | 295 |
| Equity capital to assets | 8.2588% | 4,201 |
| Core capital (leverage) ratio | 8.0369% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7413% | 1,954 |
| Memoranda: | ||
| Average total assets | $242,707,600 | 2,776 |
| Average earning assets | $232,249,600 | 2,729 |
| Average equity | $20,087,200 | 3,211 |
| Average total loans | $156,191,600 | 2,579 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 1,571 |
| Cost of funding earning assets | 0.5539% | 814 |
| Net interest margin | 3.4315% | 2,067 |
| Noninterest income to average assets | 0.3088% | 3,581 |
| Noninterest expense to average assets | 1.9687% | 3,766 |
| Loan and lease loss provision to assets | 0.2062% | 489 |
| Net operating income to assets | 1.4221% | 1,467 |
| Return on assets (ROA) | 1.4221% | 1,534 |
| Pretax return on assets | 1.4221% | 2,246 |
| Return on Equity (ROE) | 17.1731% | 743 |
| Retained earnings to average equity (ytd only) | 3.0951% | 3,874 |
| Net charge-offs to loans | -0.0331% | 4,176 |
| Credit loss provision to net charge-offs | -960.5263% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3871% | 3,749 |
| Assets per employee ($millions) | 6.0925% | 2,592 |
| Cash dividends to net income (ytd only)* | 81.9770% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 812 |
| Loan loss allowance to noncurrent loans | 799.1979% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 3,135 |
| Noncurrent loans to loans | 0.2338% | 3,002 |
| Net loans and leases to total assets | 61.3493% | 2,100 |
| Net loans and leases to deposits | 67.2834% | 2,512 |
| Net loans and leases to core deposits | 68.8353% | 2,703 |
| Total domestic deposits to total assets | 91.1804% | 312 |
| Equity capital to assets | 8.6109% | 4,126 |
| Core capital (leverage) ratio | 8.1050% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5425% | 1,779 |
| Memoranda: | ||
| Average total assets | $236,162,500 | 2,840 |
| Average earning assets | $226,288,000 | 2,792 |
| Average equity | $19,557,250 | 3,295 |
| Average total loans | $153,092,000 | 2,642 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 1,288 |
| Cost of funding earning assets | 0.6111% | 711 |
| Net interest margin | 3.5193% | 1,803 |
| Noninterest income to average assets | 0.2953% | 3,658 |
| Noninterest expense to average assets | 2.0053% | 3,682 |
| Loan and lease loss provision to assets | 0.2396% | 421 |
| Net operating income to assets | 1.4269% | 1,493 |
| Return on assets (ROA) | 1.4269% | 1,557 |
| Pretax return on assets | 1.4269% | 2,251 |
| Return on Equity (ROE) | 17.4891% | 719 |
| Retained earnings to average equity (ytd only) | 1.4307% | 4,255 |
| Net charge-offs to loans | -0.0477% | 4,354 |
| Credit loss provision to net charge-offs | -763.8889% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3535% | 3,757 |
| Assets per employee ($millions) | 6.1585% | 2,475 |
| Cash dividends to net income (ytd only)* | 91.8193% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 874 |
| Loan loss allowance to noncurrent loans | 492.0204% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 2,787 |
| Noncurrent loans to loans | 0.3672% | 2,587 |
| Net loans and leases to total assets | 60.8931% | 2,319 |
| Net loans and leases to deposits | 66.6654% | 2,759 |
| Net loans and leases to core deposits | 68.3281% | 2,929 |
| Total domestic deposits to total assets | 91.3414% | 270 |
| Equity capital to assets | 8.4414% | 4,247 |
| Core capital (leverage) ratio | 8.0089% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6966% | 1,722 |
| Memoranda: | ||
| Average total assets | $229,588,667 | 2,880 |
| Average earning assets | $220,272,333 | 2,825 |
| Average equity | $18,731,667 | 3,362 |
| Average total loans | $150,798,667 | 2,677 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 1,491 |
| Cost of funding earning assets | 0.6525% | 679 |
| Net interest margin | 3.4060% | 2,093 |
| Noninterest income to average assets | 0.2790% | 3,732 |
| Noninterest expense to average assets | 1.9753% | 3,793 |
| Loan and lease loss provision to assets | 0.2046% | 589 |
| Net operating income to assets | 1.3708% | 1,632 |
| Return on assets (ROA) | 1.3708% | 1,718 |
| Pretax return on assets | 1.3708% | 2,367 |
| Return on Equity (ROE) | 17.1590% | 826 |
| Retained earnings to average equity (ytd only) | -4.6099% | 4,678 |
| Net charge-offs to loans | 0.0110% | 1,538 |
| Credit loss provision to net charge-offs | 2,750.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 211.7500% | 385 |
| Efficiency ratio | 55.6312% | 3,583 |
| Assets per employee ($millions) | 6.0343% | 2,570 |
| Cash dividends to net income (ytd only)* | 126.8657% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 796 |
| Loan loss allowance to noncurrent loans | 323.1693% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 2,266 |
| Noncurrent loans to loans | 0.5721% | 2,139 |
| Net loans and leases to total assets | 65.7830% | 1,822 |
| Net loans and leases to deposits | 71.5613% | 2,356 |
| Net loans and leases to core deposits | 74.0714% | 2,505 |
| Total domestic deposits to total assets | 91.9253% | 163 |
| Equity capital to assets | 7.8556% | 4,571 |
| Core capital (leverage) ratio | 7.7881% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8465% | 2,347 |
| Memoranda: | ||
| Average total assets | $215,055,500 | 2,966 |
| Average earning assets | $206,579,000 | 2,922 |
| Average equity | $17,180,500 | 3,502 |
| Average total loans | $145,997,500 | 2,736 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,234 |
| Cost of funding earning assets | 0.8154% | 1,145 |
| Net interest margin | 3.7157% | 1,742 |
| Noninterest income to average assets | 0.3162% | 3,571 |
| Noninterest expense to average assets | 2.0319% | 4,081 |
| Loan and lease loss provision to assets | 0.2088% | 1,885 |
| Net operating income to assets | 1.6383% | 588 |
| Return on assets (ROA) | 1.6383% | 635 |
| Pretax return on assets | 1.6352% | 991 |
| Return on Equity (ROE) | 19.2110% | 268 |
| Retained earnings to average equity (ytd only) | 7.3930% | 1,241 |
| Net charge-offs to loans | 0.0115% | 2,913 |
| Credit loss provision to net charge-offs | 2,411.7647% | 387 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 449 |
| Efficiency ratio | 52.3584% | 4,362 |
| Assets per employee ($millions) | 5.9133% | 2,422 |
| Cash dividends to net income (ytd only)* | 61.5169% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 913 |
| Loan loss allowance to noncurrent loans | 389.6084% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 2,749 |
| Noncurrent loans to loans | 0.4536% | 2,610 |
| Net loans and leases to total assets | 67.5569% | 1,880 |
| Net loans and leases to deposits | 73.6804% | 2,514 |
| Net loans and leases to core deposits | 76.1189% | 2,721 |
| Total domestic deposits to total assets | 91.6891% | 104 |
| Equity capital to assets | 8.1249% | 4,652 |
| Core capital (leverage) ratio | 7.9886% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7500% | 2,333 |
| Memoranda: | ||
| Average total assets | $196,366,600 | 2,969 |
| Average earning assets | $188,121,200 | 2,927 |
| Average equity | $16,745,600 | 3,479 |
| Average total loans | $147,432,400 | 2,682 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 994 |
| Cost of funding earning assets | 0.8493% | 1,264 |
| Net interest margin | 3.8864% | 1,383 |
| Noninterest income to average assets | 0.3204% | 3,567 |
| Noninterest expense to average assets | 2.0016% | 4,138 |
| Loan and lease loss provision to assets | 0.2705% | 1,501 |
| Net operating income to assets | 1.7783% | 475 |
| Return on assets (ROA) | 1.7783% | 530 |
| Pretax return on assets | 1.7741% | 824 |
| Return on Equity (ROE) | 20.5839% | 222 |
| Retained earnings to average equity (ytd only) | 8.9433% | 996 |
| Net charge-offs to loans | -0.0063% | 4,110 |
| Credit loss provision to net charge-offs | -5,571.4286% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3829% | 4,533 |
| Assets per employee ($millions) | 5.5258% | 2,685 |
| Cash dividends to net income (ytd only)* | 56.5523% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 802 |
| Loan loss allowance to noncurrent loans | 219.9491% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 1,975 |
| Noncurrent loans to loans | 0.7968% | 1,827 |
| Net loans and leases to total assets | 71.0440% | 1,809 |
| Net loans and leases to deposits | 78.8754% | 2,443 |
| Net loans and leases to core deposits | 81.3633% | 2,715 |
| Total domestic deposits to total assets | 90.0712% | 401 |
| Equity capital to assets | 8.4170% | 4,509 |
| Core capital (leverage) ratio | 8.0221% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5051% | 2,414 |
| Memoranda: | ||
| Average total assets | $192,239,000 | 2,993 |
| Average earning assets | $184,295,750 | 2,940 |
| Average equity | $16,608,000 | 3,494 |
| Average total loans | $147,690,500 | 2,689 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 912 |
| Cost of funding earning assets | 0.8854% | 1,440 |
| Net interest margin | 4.0529% | 1,210 |
| Noninterest income to average assets | 0.3252% | 3,518 |
| Noninterest expense to average assets | 2.0748% | 4,086 |
| Loan and lease loss provision to assets | 0.3189% | 1,343 |
| Net operating income to assets | 1.8207% | 482 |
| Return on assets (ROA) | 1.8207% | 532 |
| Pretax return on assets | 1.8143% | 791 |
| Return on Equity (ROE) | 20.8805% | 207 |
| Retained earnings to average equity (ytd only) | 9.0080% | 1,004 |
| Net charge-offs to loans | -0.0068% | 4,097 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1791% | 4,550 |
| Assets per employee ($millions) | 5.7463% | 2,415 |
| Cash dividends to net income (ytd only)* | 56.8593% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 902 |
| Loan loss allowance to noncurrent loans | 204.1667% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 2,005 |
| Noncurrent loans to loans | 0.8094% | 1,876 |
| Net loans and leases to total assets | 71.8905% | 1,732 |
| Net loans and leases to deposits | 79.5427% | 2,483 |
| Net loans and leases to core deposits | 82.9255% | 2,703 |
| Total domestic deposits to total assets | 90.3798% | 302 |
| Equity capital to assets | 8.1405% | 4,656 |
| Core capital (leverage) ratio | 8.1844% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0980% | 2,568 |
| Memoranda: | ||
| Average total assets | $188,167,000 | 3,006 |
| Average earning assets | $180,264,000 | 2,955 |
| Average equity | $16,407,667 | 3,519 |
| Average total loans | $147,639,333 | 2,676 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 871 |
| Cost of funding earning assets | 0.9396% | 1,688 |
| Net interest margin | 4.1168% | 1,097 |
| Noninterest income to average assets | 0.3557% | 3,391 |
| Noninterest expense to average assets | 2.1340% | 4,152 |
| Loan and lease loss provision to assets | 0.3355% | 919 |
| Net operating income to assets | 1.8164% | 397 |
| Return on assets (ROA) | 1.8164% | 440 |
| Pretax return on assets | 1.8164% | 670 |
| Return on Equity (ROE) | 20.0599% | 165 |
| Retained earnings to average equity (ytd only) | 7.8807% | 1,263 |
| Net charge-offs to loans | 0.0082% | 2,266 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 320.6667% | 219 |
| Efficiency ratio | 49.5825% | 4,691 |
| Assets per employee ($millions) | 4.6967% | 2,993 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 1,095 |
| Loan loss allowance to noncurrent loans | 90.6274% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 759 |
| Noncurrent loans to loans | 1.7546% | 859 |
| Net loans and leases to total assets | 81.1439% | 546 |
| Net loans and leases to deposits | 91.0663% | 1,397 |
| Net loans and leases to core deposits | 95.4824% | 1,843 |
| Total domestic deposits to total assets | 89.1042% | 617 |
| Equity capital to assets | 9.1896% | 4,473 |
| Core capital (leverage) ratio | 8.8574% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7865% | 2,808 |
| Memoranda: | ||
| Average total assets | $178,817,500 | 3,057 |
| Average earning assets | $170,716,000 | 3,016 |
| Average equity | $16,191,500 | 3,545 |
| Average total loans | $145,851,000 | 2,673 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 1,352 |
| Cost of funding earning assets | 0.7541% | 2,894 |
| Net interest margin | 4.2915% | 1,106 |
| Noninterest income to average assets | 0.4459% | 3,022 |
| Noninterest expense to average assets | 2.5551% | 3,305 |
| Loan and lease loss provision to assets | 0.3421% | 453 |
| Net operating income to assets | 1.6473% | 742 |
| Return on assets (ROA) | 1.6473% | 792 |
| Pretax return on assets | 1.6473% | 1,344 |
| Return on Equity (ROE) | 17.9969% | 341 |
| Retained earnings to average equity (ytd only) | 1.6944% | 4,124 |
| Net charge-offs to loans | 0.2588% | 799 |
| Credit loss provision to net charge-offs | 160.4278% | 1,607 |
| Earnings coverage of net charge-offs (x) | 9.3289% | 2,678 |
| Efficiency ratio | 56.0351% | 4,194 |
| Assets per employee ($millions) | 4.7148% | 2,932 |
| Cash dividends to net income (ytd only)* | 90.5850% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,171 |
| Loan loss allowance to noncurrent loans | 167.8653% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 1,776 |
| Noncurrent loans to loans | 0.9042% | 1,696 |
| Net loans and leases to total assets | 79.4521% | 863 |
| Net loans and leases to deposits | 88.4177% | 1,783 |
| Net loans and leases to core deposits | 92.9092% | 2,168 |
| Total domestic deposits to total assets | 89.8600% | 365 |
| Equity capital to assets | 8.9204% | 4,722 |
| Core capital (leverage) ratio | 8.8404% | 4,646 |
| Tier 1 risk-based capital ratio | 11.5908% | 4,580 |
| Total risk-based capital ratio | 12.8456% | 4,461 |
| Memoranda: | ||
| Average total assets | $175,374,400 | 3,062 |
| Average earning assets | $167,493,600 | 3,018 |
| Average equity | $16,052,800 | 3,536 |
| Average total loans | $144,533,400 | 2,669 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 1,425 |
| Cost of funding earning assets | 0.7158% | 3,132 |
| Net interest margin | 4.3317% | 1,095 |
| Noninterest income to average assets | 0.4533% | 3,004 |
| Noninterest expense to average assets | 2.3849% | 3,729 |
| Loan and lease loss provision to assets | 0.3325% | 415 |
| Net operating income to assets | 1.8804% | 520 |
| Return on assets (ROA) | 1.8804% | 538 |
| Pretax return on assets | 1.8804% | 910 |
| Return on Equity (ROE) | 20.4096% | 228 |
| Retained earnings to average equity (ytd only) | 7.6826% | 1,548 |
| Net charge-offs to loans | 0.3616% | 468 |
| Credit loss provision to net charge-offs | 110.9694% | 2,080 |
| Earnings coverage of net charge-offs (x) | 7.3852% | 2,748 |
| Efficiency ratio | 51.6874% | 4,625 |
| Assets per employee ($millions) | 4.5511% | 3,118 |
| Cash dividends to net income (ytd only)* | 62.3576% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,645 |
| Loan loss allowance to noncurrent loans | 231.8339% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 2,518 |
| Noncurrent loans to loans | 0.5962% | 2,494 |
| Net loans and leases to total assets | 82.9250% | 461 |
| Net loans and leases to deposits | 93.0341% | 1,318 |
| Net loans and leases to core deposits | 98.1871% | 1,813 |
| Total domestic deposits to total assets | 89.1340% | 573 |
| Equity capital to assets | 9.6222% | 4,365 |
| Core capital (leverage) ratio | 9.3978% | 4,278 |
| Tier 1 risk-based capital ratio | 12.1483% | 4,341 |
| Total risk-based capital ratio | 13.4014% | 4,227 |
| Memoranda: | ||
| Average total assets | $174,427,500 | 3,102 |
| Average earning assets | $166,890,250 | 3,049 |
| Average equity | $16,070,500 | 3,569 |
| Average total loans | $144,531,250 | 2,699 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 1,556 |
| Cost of funding earning assets | 0.6526% | 3,397 |
| Net interest margin | 4.3195% | 1,099 |
| Noninterest income to average assets | 0.4745% | 2,816 |
| Noninterest expense to average assets | 2.3725% | 3,812 |
| Loan and lease loss provision to assets | 0.3773% | 332 |
| Net operating income to assets | 1.8568% | 532 |
| Return on assets (ROA) | 1.8568% | 557 |
| Pretax return on assets | 1.8568% | 924 |
| Return on Equity (ROE) | 20.4530% | 227 |
| Retained earnings to average equity (ytd only) | 7.4935% | 1,601 |
| Net charge-offs to loans | -0.0166% | 4,490 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3279% | 4,700 |
| Assets per employee ($millions) | 4.1848% | 3,597 |
| Cash dividends to net income (ytd only)* | 63.3621% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,055 |
| Loan loss allowance to noncurrent loans | 259.5506% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 2,479 |
| Noncurrent loans to loans | 0.6114% | 2,429 |
| Net loans and leases to total assets | 83.4902% | 413 |
| Net loans and leases to deposits | 92.5011% | 1,432 |
| Net loans and leases to core deposits | 94.8958% | 2,165 |
| Total domestic deposits to total assets | 90.2586% | 258 |
| Equity capital to assets | 9.4914% | 4,411 |
| Core capital (leverage) ratio | 9.2123% | 4,445 |
| Tier 1 risk-based capital ratio | 11.9288% | 4,461 |
| Total risk-based capital ratio | 13.1851% | 4,340 |
| Memoranda: | ||
| Average total assets | $174,922,330 | 3,112 |
| Average earning assets | $167,334,670 | 3,056 |
| Average equity | $15,880,330 | 3,596 |
| Average total loans | $144,244,670 | 2,714 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 1,669 |
| Cost of funding earning assets | 0.6305% | 3,404 |
| Net interest margin | 4.2461% | 1,208 |
| Noninterest income to average assets | 0.5346% | 2,367 |
| Noninterest expense to average assets | 2.3376% | 3,932 |
| Loan and lease loss provision to assets | 0.5096% | 210 |
| Net operating income to assets | 1.7600% | 640 |
| Return on assets (ROA) | 1.7600% | 657 |
| Pretax return on assets | 1.7600% | 1,077 |
| Return on Equity (ROE) | 19.8240% | 276 |
| Retained earnings to average equity (ytd only) | 6.8376% | 2,102 |
| Net charge-offs to loans | 0.0111% | 2,286 |
| Credit loss provision to net charge-offs | 5,625.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 250.5000% | 320 |
| Efficiency ratio | 50.5408% | 4,790 |
| Assets per employee ($millions) | 4.4302% | 3,286 |
| Cash dividends to net income (ytd only)* | 65.5084% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,270 |
| Loan loss allowance to noncurrent loans | 245.5668% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 2,561 |
| Noncurrent loans to loans | 0.6197% | 2,470 |
| Net loans and leases to total assets | 81.9484% | 594 |
| Net loans and leases to deposits | 90.4502% | 1,572 |
| Net loans and leases to core deposits | 92.3492% | 2,269 |
| Total domestic deposits to total assets | 90.6006% | 255 |
| Equity capital to assets | 9.1760% | 4,554 |
| Core capital (leverage) ratio | 8.8330% | 4,769 |
| Tier 1 risk-based capital ratio | 11.9239% | 4,503 |
| Total risk-based capital ratio | 13.1789% | 4,396 |
| Memoranda: | ||
| Average total assets | $176,595,000 | 3,124 |
| Average earning assets | $169,379,500 | 3,060 |
| Average equity | $15,678,000 | 3,619 |
| Average total loans | $143,587,000 | 2,758 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,939 |
| Cost of funding earning assets | 0.5493% | 3,054 |
| Net interest margin | 4.1161% | 1,632 |
| Noninterest income to average assets | 0.5079% | 2,790 |
| Noninterest expense to average assets | 2.3745% | 3,949 |
| Loan and lease loss provision to assets | 0.2730% | 618 |
| Net operating income to assets | 1.7835% | 571 |
| Return on assets (ROA) | 1.7789% | 576 |
| Pretax return on assets | 1.7789% | 975 |
| Return on Equity (ROE) | 20.4537% | 228 |
| Retained earnings to average equity (ytd only) | 5.5083% | 2,480 |
| Net charge-offs to loans | 0.4502% | 403 |
| Credit loss provision to net charge-offs | 74.4882% | 2,933 |
| Earnings coverage of net charge-offs (x) | 5.6110% | 3,174 |
| Efficiency ratio | 53.3933% | 4,672 |
| Assets per employee ($millions) | 4.6260% | 2,987 |
| Cash dividends to net income (ytd only)* | 73.0694% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 1,747 |
| Loan loss allowance to noncurrent loans | 227.2517% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 2,651 |
| Noncurrent loans to loans | 0.6039% | 2,466 |
| Net loans and leases to total assets | 78.3924% | 1,201 |
| Net loans and leases to deposits | 85.9109% | 2,286 |
| Net loans and leases to core deposits | 87.4001% | 2,801 |
| Total domestic deposits to total assets | 91.2484% | 156 |
| Equity capital to assets | 8.5925% | 4,875 |
| Core capital (leverage) ratio | 8.6663% | 4,905 |
| Tier 1 risk-based capital ratio | 11.5596% | 4,694 |
| Total risk-based capital ratio | 12.8126% | 4,596 |
| Memoranda: | ||
| Average total assets | $173,254,600 | 3,132 |
| Average earning assets | $165,132,800 | 3,078 |
| Average equity | $15,068,200 | 3,635 |
| Average total loans | $141,058,600 | 2,759 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 1,895 |
| Cost of funding earning assets | 0.5309% | 2,989 |
| Net interest margin | 4.1010% | 1,626 |
| Noninterest income to average assets | 0.5583% | 2,530 |
| Noninterest expense to average assets | 2.4541% | 3,719 |
| Loan and lease loss provision to assets | 0.2512% | 626 |
| Net operating income to assets | 1.7574% | 653 |
| Return on assets (ROA) | 1.7574% | 656 |
| Pretax return on assets | 1.7574% | 1,118 |
| Return on Equity (ROE) | 20.1424% | 269 |
| Retained earnings to average equity (ytd only) | 4.9286% | 3,277 |
| Net charge-offs to loans | 0.5239% | 293 |
| Credit loss provision to net charge-offs | 58.5145% | 2,760 |
| Earnings coverage of net charge-offs (x) | 4.6794% | 3,032 |
| Efficiency ratio | 54.8005% | 4,528 |
| Assets per employee ($millions) | 4.2902% | 3,440 |
| Cash dividends to net income (ytd only)* | 75.5308% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,927 |
| Loan loss allowance to noncurrent loans | 110.9038% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 1,460 |
| Noncurrent loans to loans | 1.2056% | 1,407 |
| Net loans and leases to total assets | 81.7844% | 750 |
| Net loans and leases to deposits | 90.0012% | 1,895 |
| Net loans and leases to core deposits | 91.7163% | 2,508 |
| Total domestic deposits to total assets | 90.8704% | 252 |
| Equity capital to assets | 8.8499% | 4,680 |
| Core capital (leverage) ratio | 8.7213% | 4,944 |
| Tier 1 risk-based capital ratio | 11.7166% | 4,659 |
| Total risk-based capital ratio | 12.9702% | 4,543 |
| Memoranda: | ||
| Average total assets | $171,465,000 | 3,176 |
| Average earning assets | $163,241,750 | 3,125 |
| Average equity | $14,959,750 | 3,669 |
| Average total loans | $140,473,750 | 2,778 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 1,874 |
| Cost of funding earning assets | 0.4815% | 3,151 |
| Net interest margin | 4.0891% | 1,594 |
| Noninterest income to average assets | 0.6487% | 2,097 |
| Noninterest expense to average assets | 2.5143% | 3,592 |
| Loan and lease loss provision to assets | 0.2018% | 845 |
| Net operating income to assets | 1.8166% | 558 |
| Return on assets (ROA) | 1.8166% | 563 |
| Pretax return on assets | 1.8166% | 925 |
| Return on Equity (ROE) | 20.9218% | 209 |
| Retained earnings to average equity (ytd only) | 4.7433% | 3,213 |
| Net charge-offs to loans | -0.0229% | 4,622 |
| Credit loss provision to net charge-offs | -1,081.2500% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2896% | 4,558 |
| Assets per employee ($millions) | 4.3526% | 3,350 |
| Cash dividends to net income (ytd only)* | 77.3282% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 979 |
| Loan loss allowance to noncurrent loans | 380.3279% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,301 |
| Noncurrent loans to loans | 0.4359% | 3,137 |
| Net loans and leases to total assets | 81.0723% | 846 |
| Net loans and leases to deposits | 90.3381% | 1,797 |
| Net loans and leases to core deposits | 91.8735% | 2,414 |
| Total domestic deposits to total assets | 89.7432% | 651 |
| Equity capital to assets | 8.8594% | 4,677 |
| Core capital (leverage) ratio | 8.7863% | 4,896 |
| Tier 1 risk-based capital ratio | 11.8680% | 4,577 |
| Total risk-based capital ratio | 13.1257% | 4,454 |
| Memoranda: | ||
| Average total assets | $171,418,000 | 3,202 |
| Average earning assets | $162,823,670 | 3,150 |
| Average equity | $14,884,000 | 3,693 |
| Average total loans | $139,882,000 | 2,796 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,668 |
| Cost of funding earning assets | 0.4667% | 3,070 |
| Net interest margin | 4.1017% | 1,435 |
| Noninterest income to average assets | 0.8848% | 1,187 |
| Noninterest expense to average assets | 2.6844% | 3,086 |
| Loan and lease loss provision to assets | 0.1742% | 1,005 |
| Net operating income to assets | 1.9042% | 448 |
| Return on assets (ROA) | 1.9042% | 449 |
| Pretax return on assets | 1.9042% | 716 |
| Return on Equity (ROE) | 22.1524% | 162 |
| Retained earnings to average equity (ytd only) | 3.3499% | 3,868 |
| Net charge-offs to loans | -0.0086% | 4,190 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1677% | 4,558 |
| Assets per employee ($millions) | 4.5674% | 3,040 |
| Cash dividends to net income (ytd only)* | 84.8780% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,188 |
| Loan loss allowance to noncurrent loans | 369.2308% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,427 |
| Noncurrent loans to loans | 0.4299% | 3,248 |
| Net loans and leases to total assets | 81.0065% | 787 |
| Net loans and leases to deposits | 90.1451% | 1,674 |
| Net loans and leases to core deposits | 92.1208% | 2,293 |
| Total domestic deposits to total assets | 89.8624% | 715 |
| Equity capital to assets | 8.7772% | 4,767 |
| Core capital (leverage) ratio | 8.4191% | 5,188 |
| Tier 1 risk-based capital ratio | 11.9632% | 4,567 |
| Total risk-based capital ratio | 13.2207% | 4,461 |
| Memoranda: | ||
| Average total assets | $172,251,500 | 3,225 |
| Average earning assets | $162,858,500 | 3,178 |
| Average equity | $14,806,500 | 3,738 |
| Average total loans | $139,852,500 | 2,814 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,640 |
| Cost of funding earning assets | 0.4850% | 2,458 |
| Net interest margin | 4.0382% | 1,631 |
| Noninterest income to average assets | 0.3681% | 3,837 |
| Noninterest expense to average assets | 2.2613% | 4,420 |
| Loan and lease loss provision to assets | 0.3500% | 451 |
| Net operating income to assets | 1.6090% | 639 |
| Return on assets (ROA) | 1.6090% | 655 |
| Pretax return on assets | 1.6090% | 1,262 |
| Return on Equity (ROE) | 18.8641% | 249 |
| Retained earnings to average equity (ytd only) | 2.3050% | 3,940 |
| Net charge-offs to loans | 0.1669% | 1,472 |
| Credit loss provision to net charge-offs | 253.1646% | 1,090 |
| Earnings coverage of net charge-offs (x) | 14.1688% | 2,346 |
| Efficiency ratio | 53.3730% | 5,000 |
| Assets per employee ($millions) | 4.5002% | 3,181 |
| Cash dividends to net income (ytd only)* | 87.7810% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,358 |
| Loan loss allowance to noncurrent loans | 401.3183% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,674 |
| Noncurrent loans to loans | 0.3777% | 3,405 |
| Net loans and leases to total assets | 78.8961% | 1,139 |
| Net loans and leases to deposits | 87.5289% | 2,077 |
| Net loans and leases to core deposits | 89.6646% | 2,596 |
| Total domestic deposits to total assets | 90.1372% | 524 |
| Equity capital to assets | 8.4213% | 5,173 |
| Core capital (leverage) ratio | 8.3643% | 5,245 |
| Tier 1 risk-based capital ratio | 11.8962% | 4,595 |
| Total risk-based capital ratio | 13.1524% | 4,473 |
| Memoranda: | ||
| Average total assets | $171,409,200 | 3,231 |
| Average earning assets | $163,513,200 | 3,158 |
| Average equity | $14,620,400 | 3,766 |
| Average total loans | $142,013,200 | 2,747 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,573 |
| Cost of funding earning assets | 0.4922% | 2,337 |
| Net interest margin | 4.0337% | 1,590 |
| Noninterest income to average assets | 0.3662% | 3,908 |
| Noninterest expense to average assets | 2.2411% | 4,443 |
| Loan and lease loss provision to assets | 0.3521% | 423 |
| Net operating income to assets | 1.6269% | 668 |
| Return on assets (ROA) | 1.6269% | 690 |
| Pretax return on assets | 1.6269% | 1,322 |
| Return on Equity (ROE) | 19.0112% | 277 |
| Retained earnings to average equity (ytd only) | 1.9752% | 4,651 |
| Net charge-offs to loans | 0.0890% | 1,908 |
| Credit loss provision to net charge-offs | 473.6842% | 677 |
| Earnings coverage of net charge-offs (x) | 26.6218% | 1,673 |
| Efficiency ratio | 52.9019% | 5,026 |
| Assets per employee ($millions) | 4.4891% | 3,169 |
| Cash dividends to net income (ytd only)* | 89.6105% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,588 |
| Loan loss allowance to noncurrent loans | 314.6667% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 3,444 |
| Noncurrent loans to loans | 0.4725% | 3,272 |
| Net loans and leases to total assets | 82.5063% | 601 |
| Net loans and leases to deposits | 91.8827% | 1,585 |
| Net loans and leases to core deposits | 95.5019% | 2,129 |
| Total domestic deposits to total assets | 89.7952% | 547 |
| Equity capital to assets | 8.6390% | 5,200 |
| Core capital (leverage) ratio | 8.4260% | 5,295 |
| Tier 1 risk-based capital ratio | 11.3965% | 5,016 |
| Total risk-based capital ratio | 12.6520% | 4,899 |
| Memoranda: | ||
| Average total assets | $170,384,500 | 3,266 |
| Average earning assets | $162,789,250 | 3,195 |
| Average equity | $14,580,500 | 3,807 |
| Average total loans | $142,366,500 | 2,767 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 1,608 |
| Cost of funding earning assets | 0.4947% | 2,209 |
| Net interest margin | 3.9714% | 1,704 |
| Noninterest income to average assets | 0.3722% | 3,894 |
| Noninterest expense to average assets | 2.2347% | 4,489 |
| Loan and lease loss provision to assets | 0.3523% | 404 |
| Net operating income to assets | 1.5841% | 733 |
| Return on assets (ROA) | 1.5841% | 753 |
| Pretax return on assets | 1.5841% | 1,394 |
| Return on Equity (ROE) | 18.5706% | 291 |
| Retained earnings to average equity (ytd only) | 0.6057% | 4,950 |
| Net charge-offs to loans | 0.0408% | 2,379 |
| Credit loss provision to net charge-offs | 1,034.4828% | 377 |
| Earnings coverage of net charge-offs (x) | 56.8621% | 986 |
| Efficiency ratio | 53.3784% | 5,064 |
| Assets per employee ($millions) | 4.3903% | 3,288 |
| Cash dividends to net income (ytd only)* | 96.7383% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 1,817 |
| Loan loss allowance to noncurrent loans | 102.1532% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.1970% | 1,419 |
| Noncurrent loans to loans | 1.3995% | 1,375 |
| Net loans and leases to total assets | 84.3070% | 411 |
| Net loans and leases to deposits | 93.9734% | 1,264 |
| Net loans and leases to core deposits | 96.4182% | 1,938 |
| Total domestic deposits to total assets | 89.7136% | 638 |
| Equity capital to assets | 8.7465% | 5,104 |
| Core capital (leverage) ratio | 8.3207% | 5,339 |
| Tier 1 risk-based capital ratio | 11.0870% | 5,202 |
| Total risk-based capital ratio | 12.3418% | 5,100 |
| Memoranda: | ||
| Average total assets | $170,317,000 | 3,273 |
| Average earning assets | $162,914,670 | 3,203 |
| Average equity | $14,528,330 | 3,818 |
| Average total loans | $142,199,000 | 2,773 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 1,606 |
| Cost of funding earning assets | 0.4865% | 2,192 |
| Net interest margin | 3.9259% | 1,688 |
| Noninterest income to average assets | 0.3510% | 4,032 |
| Noninterest expense to average assets | 2.1992% | 4,647 |
| Loan and lease loss provision to assets | 0.3487% | 342 |
| Net operating income to assets | 1.5553% | 742 |
| Return on assets (ROA) | 1.5553% | 763 |
| Pretax return on assets | 1.5553% | 1,361 |
| Return on Equity (ROE) | 18.4596% | 313 |
| Retained earnings to average equity (ytd only) | -2.0143% | 5,170 |
| Net charge-offs to loans | 0.0733% | 1,599 |
| Credit loss provision to net charge-offs | 576.9231% | 530 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,187 |
| Efficiency ratio | 53.3711% | 5,180 |
| Assets per employee ($millions) | 4.9396% | 2,526 |
| Cash dividends to net income (ytd only)* | 110.9118% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,338 |
| Loan loss allowance to noncurrent loans | 54.3185% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 655 |
| Noncurrent loans to loans | 2.4654% | 634 |
| Net loans and leases to total assets | 80.6687% | 738 |
| Net loans and leases to deposits | 89.4711% | 1,601 |
| Net loans and leases to core deposits | 91.8983% | 2,173 |
| Total domestic deposits to total assets | 90.1617% | 596 |
| Equity capital to assets | 8.3732% | 5,318 |
| Core capital (leverage) ratio | 8.2102% | 5,441 |
| Tier 1 risk-based capital ratio | 10.9168% | 5,351 |
| Total risk-based capital ratio | 12.1694% | 5,275 |
| Memoranda: | ||
| Average total assets | $172,059,500 | 3,292 |
| Average earning assets | $164,446,000 | 3,208 |
| Average equity | $14,496,500 | 3,850 |
| Average total loans | $141,953,000 | 2,788 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,494 |
| Cost of funding earning assets | 0.5605% | 1,604 |
| Net interest margin | 3.9546% | 1,773 |
| Noninterest income to average assets | 0.4510% | 3,538 |
| Noninterest expense to average assets | 2.1982% | 4,777 |
| Loan and lease loss provision to assets | 0.2808% | 710 |
| Net operating income to assets | 1.7543% | 486 |
| Return on assets (ROA) | 1.7543% | 508 |
| Pretax return on assets | 1.7543% | 878 |
| Return on Equity (ROE) | 20.6005% | 191 |
| Retained earnings to average equity (ytd only) | 2.6237% | 4,028 |
| Net charge-offs to loans | 0.1176% | 2,080 |
| Credit loss provision to net charge-offs | 284.4311% | 1,029 |
| Earnings coverage of net charge-offs (x) | 20.6168% | 1,845 |
| Efficiency ratio | 51.7174% | 5,401 |
| Assets per employee ($millions) | 4.7565% | 2,715 |
| Cash dividends to net income (ytd only)* | 87.2642% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,872 |
| Loan loss allowance to noncurrent loans | 67.3905% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.5417% | 1,056 |
| Noncurrent loans to loans | 1.8415% | 1,024 |
| Net loans and leases to total assets | 82.2150% | 575 |
| Net loans and leases to deposits | 91.2704% | 1,539 |
| Net loans and leases to core deposits | 93.7833% | 2,127 |
| Total domestic deposits to total assets | 90.0785% | 605 |
| Equity capital to assets | 8.4779% | 5,284 |
| Core capital (leverage) ratio | 8.2807% | 5,450 |
| Tier 1 risk-based capital ratio | 10.8900% | 5,397 |
| Total risk-based capital ratio | 12.1416% | 5,288 |
| Memoranda: | ||
| Average total assets | $169,185,000 | 3,293 |
| Average earning assets | $161,812,800 | 3,208 |
| Average equity | $14,407,400 | 3,889 |
| Average total loans | $141,987,600 | 2,752 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,412 |
| Cost of funding earning assets | 0.5646% | 1,581 |
| Net interest margin | 3.9828% | 1,703 |
| Noninterest income to average assets | 0.4703% | 3,425 |
| Noninterest expense to average assets | 2.2030% | 4,761 |
| Loan and lease loss provision to assets | 0.2569% | 725 |
| Net operating income to assets | 1.8244% | 463 |
| Return on assets (ROA) | 1.8244% | 490 |
| Pretax return on assets | 1.8244% | 854 |
| Return on Equity (ROE) | 21.3996% | 177 |
| Retained earnings to average equity (ytd only) | 2.8928% | 4,164 |
| Net charge-offs to loans | 0.0667% | 2,379 |
| Credit loss provision to net charge-offs | 457.7465% | 760 |
| Earnings coverage of net charge-offs (x) | 37.0862% | 1,298 |
| Efficiency ratio | 51.2177% | 5,431 |
| Assets per employee ($millions) | 4.9085% | 2,481 |
| Cash dividends to net income (ytd only)* | 86.4818% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 3,280 |
| Loan loss allowance to noncurrent loans | 124.8180% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 2,466 |
| Noncurrent loans to loans | 0.9559% | 2,335 |
| Net loans and leases to total assets | 85.1034% | 319 |
| Net loans and leases to deposits | 94.8897% | 1,158 |
| Net loans and leases to core deposits | 98.1324% | 1,799 |
| Total domestic deposits to total assets | 89.6866% | 593 |
| Equity capital to assets | 8.7734% | 5,339 |
| Core capital (leverage) ratio | 8.3505% | 5,467 |
| Tier 1 risk-based capital ratio | 10.9327% | 5,399 |
| Total risk-based capital ratio | 12.1836% | 5,320 |
| Memoranda: | ||
| Average total assets | $168,672,750 | 3,318 |
| Average earning assets | $161,525,250 | 3,226 |
| Average equity | $14,380,000 | 3,927 |
| Average total loans | $141,847,250 | 2,759 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 1,414 |
| Cost of funding earning assets | 0.5728% | 1,527 |
| Net interest margin | 3.9637% | 1,758 |
| Noninterest income to average assets | 0.3627% | 4,165 |
| Noninterest expense to average assets | 2.1434% | 4,971 |
| Loan and lease loss provision to assets | 0.2068% | 1,035 |
| Net operating income to assets | 1.8066% | 471 |
| Return on assets (ROA) | 1.8066% | 496 |
| Pretax return on assets | 1.8066% | 872 |
| Return on Equity (ROE) | 21.3956% | 176 |
| Retained earnings to average equity (ytd only) | 1.3573% | 4,840 |
| Net charge-offs to loans | 0.0651% | 2,265 |
| Credit loss provision to net charge-offs | 380.4348% | 799 |
| Earnings coverage of net charge-offs (x) | 37.0435% | 1,212 |
| Efficiency ratio | 51.3644% | 5,484 |
| Assets per employee ($millions) | 4.8644% | 2,460 |
| Cash dividends to net income (ytd only)* | 93.6560% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,875 |
| Loan loss allowance to noncurrent loans | 89.2256% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 1,849 |
| Noncurrent loans to loans | 1.2482% | 1,841 |
| Net loans and leases to total assets | 82.9215% | 524 |
| Net loans and leases to deposits | 92.0920% | 1,500 |
| Net loans and leases to core deposits | 95.1546% | 2,054 |
| Total domestic deposits to total assets | 90.0420% | 474 |
| Equity capital to assets | 8.4761% | 5,610 |
| Core capital (leverage) ratio | 8.0831% | 5,679 |
| Tier 1 risk-based capital ratio | 10.9347% | 5,457 |
| Total risk-based capital ratio | 12.1850% | 5,382 |
| Memoranda: | ||
| Average total assets | $169,267,000 | 3,316 |
| Average earning assets | $162,018,330 | 3,240 |
| Average equity | $14,292,670 | 3,956 |
| Average total loans | $141,215,000 | 2,766 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 1,354 |
| Cost of funding earning assets | 0.5899% | 1,407 |
| Net interest margin | 3.9739% | 1,695 |
| Noninterest income to average assets | 0.3413% | 4,286 |
| Noninterest expense to average assets | 2.1425% | 5,027 |
| Loan and lease loss provision to assets | 0.1778% | 1,143 |
| Net operating income to assets | 1.8368% | 446 |
| Return on assets (ROA) | 1.8368% | 476 |
| Pretax return on assets | 1.8368% | 793 |
| Return on Equity (ROE) | 21.7949% | 163 |
| Retained earnings to average equity (ytd only) | -2.2498% | 5,406 |
| Net charge-offs to loans | 0.0228% | 2,478 |
| Credit loss provision to net charge-offs | 937.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 106.2500% | 520 |
| Efficiency ratio | 51.3113% | 5,547 |
| Assets per employee ($millions) | 4.8108% | 2,574 |
| Cash dividends to net income (ytd only)* | 110.3226% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 4,092 |
| Loan loss allowance to noncurrent loans | 48.0503% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.9884% | 873 |
| Noncurrent loans to loans | 2.2759% | 886 |
| Net loans and leases to total assets | 82.0749% | 551 |
| Net loans and leases to deposits | 91.4364% | 1,413 |
| Net loans and leases to core deposits | 94.7119% | 1,914 |
| Total domestic deposits to total assets | 89.7617% | 703 |
| Equity capital to assets | 8.4566% | 5,595 |
| Core capital (leverage) ratio | 8.0563% | 5,744 |
| Tier 1 risk-based capital ratio | 10.8950% | 5,552 |
| Total risk-based capital ratio | 12.1267% | 5,471 |
| Memoranda: | ||
| Average total assets | $168,773,000 | 3,343 |
| Average earning assets | $162,058,000 | 3,256 |
| Average equity | $14,223,500 | 3,982 |
| Average total loans | $140,438,500 | 2,775 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,647 |
| Cost of funding earning assets | 0.6436% | 1,109 |
| Net interest margin | 3.8393% | 2,235 |
| Noninterest income to average assets | 0.4493% | 3,674 |
| Noninterest expense to average assets | 2.0213% | 5,416 |
| Loan and lease loss provision to assets | 0.1691% | 1,355 |
| Net operating income to assets | 1.9192% | 396 |
| Return on assets (ROA) | 1.9192% | 406 |
| Pretax return on assets | 1.9192% | 643 |
| Return on Equity (ROE) | 22.2266% | 162 |
| Retained earnings to average equity (ytd only) | 1.0980% | 5,079 |
| Net charge-offs to loans | 0.2712% | 1,122 |
| Credit loss provision to net charge-offs | 75.6757% | 3,026 |
| Earnings coverage of net charge-offs (x) | 9.3459% | 2,830 |
| Efficiency ratio | 48.9640% | 5,801 |
| Assets per employee ($millions) | 4.6991% | 2,733 |
| Cash dividends to net income (ytd only)* | 95.0598% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 4,413 |
| Loan loss allowance to noncurrent loans | 123.1872% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 2,951 |
| Noncurrent loans to loans | 0.8402% | 2,686 |
| Net loans and leases to total assets | 82.5759% | 537 |
| Net loans and leases to deposits | 92.0759% | 1,392 |
| Net loans and leases to core deposits | 94.9911% | 1,943 |
| Total domestic deposits to total assets | 89.6824% | 764 |
| Equity capital to assets | 8.3988% | 5,630 |
| Core capital (leverage) ratio | 8.2317% | 5,664 |
| Tier 1 risk-based capital ratio | 10.8502% | 5,600 |
| Total risk-based capital ratio | 12.0152% | 5,558 |
| Memoranda: | ||
| Average total assets | $165,588,600 | 3,367 |
| Average earning assets | $157,869,000 | 3,281 |
| Average equity | $14,298,200 | 3,934 |
| Average total loans | $136,446,600 | 2,774 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 1,584 |
| Cost of funding earning assets | 0.6583% | 1,047 |
| Net interest margin | 3.8446% | 2,217 |
| Noninterest income to average assets | 0.4606% | 3,630 |
| Noninterest expense to average assets | 2.0101% | 5,461 |
| Loan and lease loss provision to assets | 0.1660% | 1,278 |
| Net operating income to assets | 1.9438% | 396 |
| Return on assets (ROA) | 1.9438% | 412 |
| Pretax return on assets | 1.9438% | 675 |
| Return on Equity (ROE) | 22.3539% | 183 |
| Retained earnings to average equity (ytd only) | -0.0466% | 5,601 |
| Net charge-offs to loans | 0.1360% | 1,775 |
| Credit loss provision to net charge-offs | 148.5507% | 1,698 |
| Earnings coverage of net charge-offs (x) | 18.8836% | 1,977 |
| Efficiency ratio | 48.5754% | 5,846 |
| Assets per employee ($millions) | 4.5295% | 2,951 |
| Cash dividends to net income (ytd only)* | 100.2084% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,782 |
| Loan loss allowance to noncurrent loans | 160.8350% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 3,423 |
| Noncurrent loans to loans | 0.7314% | 3,139 |
| Net loans and leases to total assets | 83.3603% | 439 |
| Net loans and leases to deposits | 93.4246% | 1,266 |
| Net loans and leases to core deposits | 95.9984% | 1,881 |
| Total domestic deposits to total assets | 89.2274% | 910 |
| Equity capital to assets | 8.6814% | 5,589 |
| Core capital (leverage) ratio | 8.2059% | 5,774 |
| Tier 1 risk-based capital ratio | 11.0135% | 5,655 |
| Total risk-based capital ratio | 12.2645% | 5,554 |
| Memoranda: | ||
| Average total assets | $164,693,750 | 3,410 |
| Average earning assets | $156,753,750 | 3,336 |
| Average equity | $14,320,750 | 3,976 |
| Average total loans | $135,270,000 | 2,812 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 1,780 |
| Cost of funding earning assets | 0.6763% | 957 |
| Net interest margin | 3.7463% | 2,525 |
| Noninterest income to average assets | 0.4999% | 3,379 |
| Noninterest expense to average assets | 1.9620% | 5,609 |
| Loan and lease loss provision to assets | 0.0968% | 2,206 |
| Net operating income to assets | 1.9947% | 365 |
| Return on assets (ROA) | 1.9947% | 380 |
| Pretax return on assets | 1.9947% | 598 |
| Return on Equity (ROE) | 22.9276% | 163 |
| Retained earnings to average equity (ytd only) | -1.9895% | 5,826 |
| Net charge-offs to loans | 0.1769% | 1,397 |
| Credit loss provision to net charge-offs | 67.2269% | 2,500 |
| Earnings coverage of net charge-offs (x) | 14.5210% | 2,052 |
| Efficiency ratio | 48.4025% | 5,940 |
| Assets per employee ($millions) | 4.2904% | 3,322 |
| Cash dividends to net income (ytd only)* | 108.6772% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 4,280 |
| Loan loss allowance to noncurrent loans | 141.7057% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 3,447 |
| Noncurrent loans to loans | 0.7821% | 3,151 |
| Net loans and leases to total assets | 82.7545% | 498 |
| Net loans and leases to deposits | 92.5478% | 1,313 |
| Net loans and leases to core deposits | 95.0924% | 1,867 |
| Total domestic deposits to total assets | 89.4182% | 942 |
| Equity capital to assets | 8.5774% | 5,617 |
| Core capital (leverage) ratio | 8.1134% | 5,862 |
| Tier 1 risk-based capital ratio | 11.2011% | 5,619 |
| Total risk-based capital ratio | 12.4512% | 5,542 |
| Memoranda: | ||
| Average total assets | $165,237,670 | 3,417 |
| Average earning assets | $156,741,330 | 3,350 |
| Average equity | $14,375,670 | 3,983 |
| Average total loans | $134,511,000 | 2,839 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,803 |
| Cost of funding earning assets | 0.6867% | 918 |
| Net interest margin | 3.7028% | 2,607 |
| Noninterest income to average assets | 0.5988% | 2,659 |
| Noninterest expense to average assets | 1.8468% | 5,827 |
| Loan and lease loss provision to assets | 0.0721% | 2,494 |
| Net operating income to assets | 2.1811% | 237 |
| Return on assets (ROA) | 2.1811% | 255 |
| Pretax return on assets | 2.1811% | 397 |
| Return on Equity (ROE) | 24.8979% | 105 |
| Retained earnings to average equity (ytd only) | 21.3019% | 80 |
| Net charge-offs to loans | 0.0719% | 2,003 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 39.0417% | 988 |
| Efficiency ratio | 45.0440% | 6,142 |
| Assets per employee ($millions) | 4.7452% | 2,694 |
| Cash dividends to net income (ytd only)* | 14.4432% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,126 |
| Loan loss allowance to noncurrent loans | 155.0797% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 3,599 |
| Noncurrent loans to loans | 0.7570% | 3,361 |
| Net loans and leases to total assets | 78.9194% | 803 |
| Net loans and leases to deposits | 88.6891% | 1,542 |
| Net loans and leases to core deposits | 91.1215% | 2,018 |
| Total domestic deposits to total assets | 88.9844% | 1,283 |
| Equity capital to assets | 9.0341% | 5,250 |
| Core capital (leverage) ratio | 8.5902% | 5,431 |
| Tier 1 risk-based capital ratio | 12.2320% | 5,087 |
| Total risk-based capital ratio | 13.4834% | 4,998 |
| Memoranda: | ||
| Average total assets | $166,339,500 | 3,420 |
| Average earning assets | $157,285,000 | 3,359 |
| Average equity | $14,571,500 | 3,980 |
| Average total loans | $133,551,500 | 2,856 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,941 |
| Cost of funding earning assets | 0.7769% | 734 |
| Net interest margin | 3.7062% | 2,986 |
| Noninterest income to average assets | 0.4266% | 3,996 |
| Noninterest expense to average assets | 2.1106% | 5,550 |
| Loan and lease loss provision to assets | 0.2262% | 1,080 |
| Net operating income to assets | 1.5878% | 726 |
| Return on assets (ROA) | 1.5878% | 761 |
| Pretax return on assets | 1.5909% | 1,265 |
| Return on Equity (ROE) | 18.3774% | 365 |
| Retained earnings to average equity (ytd only) | 2.6690% | 4,343 |
| Net charge-offs to loans | 0.0379% | 4,078 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 60.2500% | 792 |
| Efficiency ratio | 53.7354% | 5,861 |
| Assets per employee ($millions) | 4.5026% | 3,036 |
| Cash dividends to net income (ytd only)* | 85.4769% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 4,264 |
| Loan loss allowance to noncurrent loans | 95.0368% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 1,942 |
| Noncurrent loans to loans | 1.2136% | 2,421 |
| Net loans and leases to total assets | 79.7878% | 764 |
| Net loans and leases to deposits | 89.5557% | 1,556 |
| Net loans and leases to core deposits | 91.9851% | 2,088 |
| Total domestic deposits to total assets | 89.0928% | 1,185 |
| Equity capital to assets | 8.4869% | 5,766 |
| Core capital (leverage) ratio | 8.2463% | 5,825 |
| Tier 1 risk-based capital ratio | 11.3598% | 5,735 |
| Total risk-based capital ratio | 12.6106% | 5,653 |
| Memoranda: | ||
| Average total assets | $159,150,200 | 3,503 |
| Average earning assets | $150,341,200 | 3,437 |
| Average equity | $13,750,600 | 4,064 |
| Average total loans | $126,739,800 | 2,930 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 1,993 |
| Cost of funding earning assets | 0.7934% | 709 |
| Net interest margin | 3.6727% | 3,139 |
| Noninterest income to average assets | 0.4018% | 4,232 |
| Noninterest expense to average assets | 2.1472% | 5,470 |
| Loan and lease loss provision to assets | 0.2289% | 980 |
| Net operating income to assets | 1.5029% | 940 |
| Return on assets (ROA) | 1.5029% | 968 |
| Pretax return on assets | 1.5063% | 1,627 |
| Return on Equity (ROE) | 17.3138% | 516 |
| Retained earnings to average equity (ytd only) | 1.1035% | 5,442 |
| Net charge-offs to loans | 0.0523% | 3,467 |
| Credit loss provision to net charge-offs | 551.0204% | 527 |
| Earnings coverage of net charge-offs (x) | 41.7767% | 1,096 |
| Efficiency ratio | 55.3057% | 5,718 |
| Assets per employee ($millions) | 4.2478% | 3,385 |
| Cash dividends to net income (ytd only)* | 93.6267% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 4,658 |
| Loan loss allowance to noncurrent loans | 73.0230% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3444% | 2,293 |
| Noncurrent loans to loans | 1.5333% | 2,112 |
| Net loans and leases to total assets | 81.9841% | 512 |
| Net loans and leases to deposits | 92.4791% | 1,188 |
| Net loans and leases to core deposits | 95.1717% | 1,741 |
| Total domestic deposits to total assets | 88.6516% | 1,422 |
| Equity capital to assets | 8.7919% | 5,558 |
| Core capital (leverage) ratio | 8.2418% | 5,888 |
| Tier 1 risk-based capital ratio | 11.7491% | 5,644 |
| Total risk-based capital ratio | 13.0001% | 5,565 |
| Memoranda: | ||
| Average total assets | $157,288,500 | 3,557 |
| Average earning assets | $149,060,750 | 3,483 |
| Average equity | $13,653,500 | 4,101 |
| Average total loans | $124,806,000 | 2,980 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,051 |
| Cost of funding earning assets | 0.7934% | 738 |
| Net interest margin | 3.6427% | 3,178 |
| Noninterest income to average assets | 0.3966% | 4,267 |
| Noninterest expense to average assets | 2.1496% | 5,519 |
| Loan and lease loss provision to assets | 0.2288% | 1,003 |
| Net operating income to assets | 1.4708% | 923 |
| Return on assets (ROA) | 1.4708% | 963 |
| Pretax return on assets | 1.4733% | 1,627 |
| Return on Equity (ROE) | 17.0164% | 548 |
| Retained earnings to average equity (ytd only) | -0.0588% | 5,693 |
| Net charge-offs to loans | 0.0878% | 2,811 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 24.7963% | 1,418 |
| Efficiency ratio | 55.8086% | 5,763 |
| Assets per employee ($millions) | 4.2028% | 3,452 |
| Cash dividends to net income (ytd only)* | 100.3457% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 4,949 |
| Loan loss allowance to noncurrent loans | 65.0143% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 2,483 |
| Noncurrent loans to loans | 1.6775% | 2,068 |
| Net loans and leases to total assets | 77.4557% | 984 |
| Net loans and leases to deposits | 88.3795% | 1,552 |
| Net loans and leases to core deposits | 90.9267% | 2,036 |
| Total domestic deposits to total assets | 87.6399% | 2,121 |
| Equity capital to assets | 8.5744% | 5,738 |
| Core capital (leverage) ratio | 8.2902% | 5,858 |
| Tier 1 risk-based capital ratio | 12.2999% | 5,359 |
| Total risk-based capital ratio | 13.5500% | 5,281 |
| Memoranda: | ||
| Average total assets | $157,329,000 | 3,575 |
| Average earning assets | $149,232,000 | 3,496 |
| Average equity | $13,598,670 | 4,117 |
| Average total loans | $122,971,000 | 3,013 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 1,895 |
| Cost of funding earning assets | 0.8113% | 708 |
| Net interest margin | 3.6605% | 3,019 |
| Noninterest income to average assets | 0.3817% | 4,338 |
| Noninterest expense to average assets | 2.1417% | 5,596 |
| Loan and lease loss provision to assets | 0.2306% | 960 |
| Net operating income to assets | 1.4628% | 873 |
| Return on assets (ROA) | 1.4628% | 903 |
| Pretax return on assets | 1.4654% | 1,530 |
| Return on Equity (ROE) | 16.8548% | 545 |
| Retained earnings to average equity (ytd only) | -2.3024% | 5,885 |
| Net charge-offs to loans | 0.0984% | 2,182 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 22.0667% | 1,269 |
| Efficiency ratio | 55.8077% | 5,857 |
| Assets per employee ($millions) | 4.0761% | 3,770 |
| Cash dividends to net income (ytd only)* | 113.6602% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 5,228 |
| Loan loss allowance to noncurrent loans | 45.7526% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.8510% | 1,878 |
| Noncurrent loans to loans | 2.3487% | 1,500 |
| Net loans and leases to total assets | 77.1449% | 864 |
| Net loans and leases to deposits | 88.6295% | 1,296 |
| Net loans and leases to core deposits | 91.0152% | 1,827 |
| Total domestic deposits to total assets | 87.0420% | 2,783 |
| Equity capital to assets | 8.7338% | 5,416 |
| Core capital (leverage) ratio | 8.2860% | 5,858 |
| Tier 1 risk-based capital ratio | 12.5857% | 5,265 |
| Total risk-based capital ratio | 13.8354% | 5,200 |
| Memoranda: | ||
| Average total assets | $156,139,500 | 3,625 |
| Average earning assets | $147,410,500 | 3,556 |
| Average equity | $13,551,000 | 4,143 |
| Average total loans | $121,923,000 | 3,036 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 2,032 |
| Cost of funding earning assets | 0.9288% | 641 |
| Net interest margin | 3.6225% | 3,367 |
| Noninterest income to average assets | 0.4424% | 4,139 |
| Noninterest expense to average assets | 2.3469% | 5,245 |
| Loan and lease loss provision to assets | 0.2305% | 1,573 |
| Net operating income to assets | 1.2631% | 1,354 |
| Return on assets (ROA) | 1.2631% | 1,411 |
| Pretax return on assets | 1.2656% | 2,291 |
| Return on Equity (ROE) | 14.1653% | 912 |
| Retained earnings to average equity (ytd only) | -1.7087% | 6,144 |
| Net charge-offs to loans | 0.3685% | 1,838 |
| Credit loss provision to net charge-offs | 83.5267% | 2,939 |
| Earnings coverage of net charge-offs (x) | 5.4223% | 3,304 |
| Efficiency ratio | 61.0695% | 5,350 |
| Assets per employee ($millions) | 4.1417% | 3,548 |
| Cash dividends to net income (ytd only)* | 112.0628% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,528 |
| Loan loss allowance to noncurrent loans | 47.3986% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 2,117 |
| Noncurrent loans to loans | 2.1242% | 1,851 |
| Net loans and leases to total assets | 77.4001% | 900 |
| Net loans and leases to deposits | 89.0026% | 1,349 |
| Net loans and leases to core deposits | 91.3486% | 1,868 |
| Total domestic deposits to total assets | 86.9639% | 2,743 |
| Equity capital to assets | 8.6247% | 5,456 |
| Core capital (leverage) ratio | 8.5742% | 5,575 |
| Tier 1 risk-based capital ratio | 11.4194% | 5,953 |
| Total risk-based capital ratio | 12.5065% | 5,988 |
| Memoranda: | ||
| Average total assets | $156,208,200 | 3,616 |
| Average earning assets | $146,639,000 | 3,562 |
| Average equity | $13,928,400 | 4,084 |
| Average total loans | $116,958,400 | 3,108 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 2,247 |
| Cost of funding earning assets | 0.9530% | 634 |
| Net interest margin | 3.5427% | 3,696 |
| Noninterest income to average assets | 0.4772% | 3,956 |
| Noninterest expense to average assets | 2.4132% | 4,987 |
| Loan and lease loss provision to assets | 0.2309% | 1,570 |
| Net operating income to assets | 1.1587% | 1,777 |
| Return on assets (ROA) | 1.1587% | 1,845 |
| Pretax return on assets | 1.1613% | 2,848 |
| Return on Equity (ROE) | 12.8888% | 1,261 |
| Retained earnings to average equity (ytd only) | -0.7229% | 6,087 |
| Net charge-offs to loans | 0.2299% | 2,428 |
| Credit loss provision to net charge-offs | 135.6784% | 1,737 |
| Earnings coverage of net charge-offs (x) | 8.1808% | 2,669 |
| Efficiency ratio | 63.4157% | 4,903 |
| Assets per employee ($millions) | 3.9623% | 3,910 |
| Cash dividends to net income (ytd only)* | 105.6088% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,039 |
| Loan loss allowance to noncurrent loans | 37.4052% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.5736% | 1,480 |
| Noncurrent loans to loans | 3.1173% | 1,272 |
| Net loans and leases to total assets | 77.7429% | 776 |
| Net loans and leases to deposits | 90.1665% | 1,147 |
| Net loans and leases to core deposits | 92.9008% | 1,689 |
| Total domestic deposits to total assets | 86.2215% | 3,124 |
| Equity capital to assets | 9.1062% | 5,050 |
| Core capital (leverage) ratio | 8.6544% | 5,596 |
| Tier 1 risk-based capital ratio | 12.0028% | 5,774 |
| Total risk-based capital ratio | 13.2612% | 5,712 |
| Memoranda: | ||
| Average total assets | $155,913,750 | 3,652 |
| Average earning assets | $146,477,750 | 3,598 |
| Average equity | $14,017,000 | 4,110 |
| Average total loans | $115,434,000 | 3,158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,398 |
| Cost of funding earning assets | 0.9642% | 656 |
| Net interest margin | 3.4812% | 3,860 |
| Noninterest income to average assets | 0.4807% | 3,957 |
| Noninterest expense to average assets | 2.1548% | 5,737 |
| Loan and lease loss provision to assets | 0.2283% | 1,646 |
| Net operating income to assets | 1.3647% | 1,155 |
| Return on assets (ROA) | 1.3647% | 1,240 |
| Pretax return on assets | 1.3672% | 2,050 |
| Return on Equity (ROE) | 15.2419% | 766 |
| Retained earnings to average equity (ytd only) | 1.8982% | 5,057 |
| Net charge-offs to loans | 0.2342% | 2,319 |
| Credit loss provision to net charge-offs | 134.3284% | 1,685 |
| Earnings coverage of net charge-offs (x) | 9.3881% | 2,292 |
| Efficiency ratio | 57.4569% | 5,800 |
| Assets per employee ($millions) | 4.0142% | 3,770 |
| Cash dividends to net income (ytd only)* | 87.5465% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,108 |
| Loan loss allowance to noncurrent loans | 30.1489% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.3185% | 1,184 |
| Noncurrent loans to loans | 3.9084% | 1,012 |
| Net loans and leases to total assets | 74.6073% | 1,157 |
| Net loans and leases to deposits | 86.7940% | 1,481 |
| Net loans and leases to core deposits | 89.4034% | 1,964 |
| Total domestic deposits to total assets | 85.9591% | 3,393 |
| Equity capital to assets | 9.1733% | 5,026 |
| Core capital (leverage) ratio | 8.6419% | 5,496 |
| Tier 1 risk-based capital ratio | 12.5529% | 5,466 |
| Total risk-based capital ratio | 13.8027% | 5,402 |
| Memoranda: | ||
| Average total assets | $157,695,670 | 3,652 |
| Average earning assets | $148,109,330 | 3,597 |
| Average equity | $14,119,000 | 4,125 |
| Average total loans | $114,433,000 | 3,178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 2,599 |
| Cost of funding earning assets | 0.9615% | 737 |
| Net interest margin | 3.4170% | 4,055 |
| Noninterest income to average assets | 0.4168% | 4,336 |
| Noninterest expense to average assets | 2.1363% | 5,829 |
| Loan and lease loss provision to assets | 0.2246% | 1,639 |
| Net operating income to assets | 1.2578% | 1,382 |
| Return on assets (ROA) | 1.2578% | 1,481 |
| Pretax return on assets | 1.2578% | 2,384 |
| Return on Equity (ROE) | 14.2152% | 924 |
| Retained earnings to average equity (ytd only) | 1.6077% | 5,182 |
| Net charge-offs to loans | 0.2560% | 1,932 |
| Credit loss provision to net charge-offs | 123.2877% | 1,572 |
| Earnings coverage of net charge-offs (x) | 8.1370% | 1,973 |
| Efficiency ratio | 59.0345% | 5,712 |
| Assets per employee ($millions) | 4.2840% | 3,369 |
| Cash dividends to net income (ytd only)* | 88.6905% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,267 |
| Loan loss allowance to noncurrent loans | 24.9906% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 3.6339% | 1,152 |
| Noncurrent loans to loans | 4.7257% | 844 |
| Net loans and leases to total assets | 70.0514% | 1,651 |
| Net loans and leases to deposits | 81.2856% | 1,925 |
| Net loans and leases to core deposits | 83.6235% | 2,366 |
| Total domestic deposits to total assets | 86.1792% | 3,433 |
| Equity capital to assets | 8.9415% | 5,565 |
| Core capital (leverage) ratio | 8.3599% | 5,752 |
| Tier 1 risk-based capital ratio | 12.5702% | 5,540 |
| Total risk-based capital ratio | 13.8245% | 5,480 |
| Memoranda: | ||
| Average total assets | $160,273,500 | 3,640 |
| Average earning assets | $150,189,000 | 3,589 |
| Average equity | $14,182,000 | 4,163 |
| Average total loans | $114,068,000 | 3,204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,456 |
| Cost of funding earning assets | 1.2889% | 392 |
| Net interest margin | 3.7519% | 3,427 |
| Noninterest income to average assets | 0.6197% | 3,166 |
| Noninterest expense to average assets | 2.2748% | 5,756 |
| Loan and lease loss provision to assets | 0.1913% | 3,243 |
| Net operating income to assets | 1.6149% | 739 |
| Return on assets (ROA) | 1.6149% | 815 |
| Pretax return on assets | 1.6149% | 1,343 |
| Return on Equity (ROE) | 17.5445% | 480 |
| Retained earnings to average equity (ytd only) | -1.9255% | 6,149 |
| Net charge-offs to loans | 0.2944% | 3,174 |
| Credit loss provision to net charge-offs | 88.2353% | 3,540 |
| Earnings coverage of net charge-offs (x) | 8.3324% | 2,429 |
| Efficiency ratio | 54.9289% | 6,183 |
| Assets per employee ($millions) | 4.2642% | 3,432 |
| Cash dividends to net income (ytd only)* | 110.9751% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,437 |
| Loan loss allowance to noncurrent loans | 29.1695% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 3.0196% | 1,566 |
| Noncurrent loans to loans | 3.8792% | 1,247 |
| Net loans and leases to total assets | 70.6385% | 1,719 |
| Net loans and leases to deposits | 81.7119% | 2,044 |
| Net loans and leases to core deposits | 84.1045% | 2,533 |
| Total domestic deposits to total assets | 86.4483% | 3,126 |
| Equity capital to assets | 8.7578% | 5,785 |
| Core capital (leverage) ratio | 8.3723% | 5,795 |
| Tier 1 risk-based capital ratio | 12.2326% | 5,639 |
| Total risk-based capital ratio | 13.4431% | 5,617 |
| Memoranda: | ||
| Average total assets | $156,847,600 | 3,670 |
| Average earning assets | $144,699,400 | 3,646 |
| Average equity | $14,437,600 | 4,076 |
| Average total loans | $115,488,800 | 3,176 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 1,242 |
| Cost of funding earning assets | 1.3685% | 334 |
| Net interest margin | 3.8095% | 3,300 |
| Noninterest income to average assets | 0.5640% | 3,517 |
| Noninterest expense to average assets | 2.2817% | 5,735 |
| Loan and lease loss provision to assets | 0.1800% | 3,338 |
| Net operating income to assets | 1.6003% | 843 |
| Return on assets (ROA) | 1.6003% | 942 |
| Pretax return on assets | 1.6003% | 1,574 |
| Return on Equity (ROE) | 17.1683% | 588 |
| Retained earnings to average equity (ytd only) | -0.2483% | 6,130 |
| Net charge-offs to loans | 0.2738% | 3,083 |
| Credit loss provision to net charge-offs | 88.6076% | 3,340 |
| Earnings coverage of net charge-offs (x) | 8.7638% | 2,399 |
| Efficiency ratio | 55.2859% | 6,127 |
| Assets per employee ($millions) | 4.1780% | 3,519 |
| Cash dividends to net income (ytd only)* | 101.4462% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,448 |
| Loan loss allowance to noncurrent loans | 31.1294% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 3.2513% | 1,574 |
| Noncurrent loans to loans | 3.7473% | 1,421 |
| Net loans and leases to total assets | 72.5116% | 1,464 |
| Net loans and leases to deposits | 84.8976% | 1,747 |
| Net loans and leases to core deposits | 88.0361% | 2,209 |
| Total domestic deposits to total assets | 85.4106% | 3,561 |
| Equity capital to assets | 9.3922% | 5,350 |
| Core capital (leverage) ratio | 8.8144% | 5,324 |
| Tier 1 risk-based capital ratio | 12.9081% | 5,326 |
| Total risk-based capital ratio | 14.1582% | 5,288 |
| Memoranda: | ||
| Average total assets | $155,549,750 | 3,728 |
| Average earning assets | $142,831,500 | 3,720 |
| Average equity | $14,499,250 | 4,108 |
| Average total loans | $115,418,000 | 3,214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 1,391 |
| Cost of funding earning assets | 1.4072% | 340 |
| Net interest margin | 3.7384% | 3,645 |
| Noninterest income to average assets | 0.4132% | 4,556 |
| Noninterest expense to average assets | 2.2159% | 5,957 |
| Loan and lease loss provision to assets | 0.1540% | 3,595 |
| Net operating income to assets | 1.4692% | 1,048 |
| Return on assets (ROA) | 1.4692% | 1,177 |
| Pretax return on assets | 1.4692% | 1,958 |
| Return on Equity (ROE) | 15.8011% | 794 |
| Retained earnings to average equity (ytd only) | -2.1666% | 6,378 |
| Net charge-offs to loans | 0.1671% | 3,602 |
| Credit loss provision to net charge-offs | 123.7113% | 2,217 |
| Earnings coverage of net charge-offs (x) | 13.0412% | 1,826 |
| Efficiency ratio | 56.7848% | 6,031 |
| Assets per employee ($millions) | 3.8372% | 4,229 |
| Cash dividends to net income (ytd only)* | 113.7118% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,414 |
| Loan loss allowance to noncurrent loans | 27.8782% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 3.4543% | 1,546 |
| Noncurrent loans to loans | 4.2533% | 1,274 |
| Net loans and leases to total assets | 74.5454% | 1,165 |
| Net loans and leases to deposits | 87.8079% | 1,382 |
| Net loans and leases to core deposits | 91.4474% | 1,825 |
| Total domestic deposits to total assets | 84.8960% | 3,902 |
| Equity capital to assets | 9.4482% | 5,135 |
| Core capital (leverage) ratio | 8.8169% | 5,194 |
| Tier 1 risk-based capital ratio | 13.0379% | 5,161 |
| Total risk-based capital ratio | 14.2886% | 5,135 |
| Memoranda: | ||
| Average total assets | $155,871,330 | 3,740 |
| Average earning assets | $142,841,000 | 3,739 |
| Average equity | $14,492,670 | 4,094 |
| Average total loans | $116,085,670 | 3,217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 1,556 |
| Cost of funding earning assets | 1.4410% | 364 |
| Net interest margin | 3.6649% | 3,984 |
| Noninterest income to average assets | 0.3744% | 4,866 |
| Noninterest expense to average assets | 2.1546% | 6,143 |
| Loan and lease loss provision to assets | 0.1528% | 3,464 |
| Net operating income to assets | 1.4287% | 1,171 |
| Return on assets (ROA) | 1.4287% | 1,314 |
| Pretax return on assets | 1.4287% | 2,092 |
| Return on Equity (ROE) | 15.4887% | 892 |
| Retained earnings to average equity (ytd only) | -5.4390% | 6,612 |
| Net charge-offs to loans | -0.0103% | 5,955 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7144% | 6,055 |
| Assets per employee ($millions) | 4.0933% | 3,817 |
| Cash dividends to net income (ytd only)* | 135.1159% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,369 |
| Loan loss allowance to noncurrent loans | 25.9409% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 4.1069% | 1,338 |
| Noncurrent loans to loans | 4.7309% | 1,207 |
| Net loans and leases to total assets | 73.1126% | 1,206 |
| Net loans and leases to deposits | 85.9039% | 1,434 |
| Net loans and leases to core deposits | 89.2099% | 1,927 |
| Total domestic deposits to total assets | 85.1098% | 3,984 |
| Equity capital to assets | 9.2488% | 5,159 |
| Core capital (leverage) ratio | 8.5171% | 5,565 |
| Tier 1 risk-based capital ratio | 12.8994% | 5,285 |
| Total risk-based capital ratio | 14.1505% | 5,257 |
| Memoranda: | ||
| Average total assets | $157,062,500 | 3,745 |
| Average earning assets | $144,068,500 | 3,743 |
| Average equity | $14,488,000 | 4,102 |
| Average total loans | $116,232,500 | 3,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 1,167 |
| Cost of funding earning assets | 1.5812% | 510 |
| Net interest margin | 3.9228% | 3,241 |
| Noninterest income to average assets | 0.8735% | 1,759 |
| Noninterest expense to average assets | 2.2811% | 6,082 |
| Loan and lease loss provision to assets | 0.1814% | 4,380 |
| Net operating income to assets | 1.8884% | 389 |
| Return on assets (ROA) | 1.9933% | 331 |
| Pretax return on assets | 1.9933% | 540 |
| Return on Equity (ROE) | 22.2011% | 177 |
| Retained earnings to average equity (ytd only) | 8.7765% | 862 |
| Net charge-offs to loans | 0.2989% | 3,912 |
| Credit loss provision to net charge-offs | 80.4598% | 4,428 |
| Earnings coverage of net charge-offs (x) | 9.1782% | 2,024 |
| Efficiency ratio | 51.5788% | 6,734 |
| Assets per employee ($millions) | 3.7757% | 4,379 |
| Cash dividends to net income (ytd only)* | 60.4681% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,625 |
| Loan loss allowance to noncurrent loans | 19.7138% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 4.6361% | 1,179 |
| Noncurrent loans to loans | 5.8366% | 870 |
| Net loans and leases to total assets | 73.1360% | 1,429 |
| Net loans and leases to deposits | 85.8099% | 1,692 |
| Net loans and leases to core deposits | 88.9853% | 2,254 |
| Total domestic deposits to total assets | 85.2302% | 3,730 |
| Equity capital to assets | 9.2004% | 5,283 |
| Core capital (leverage) ratio | 8.9310% | 4,891 |
| Tier 1 risk-based capital ratio | 12.6715% | 5,324 |
| Total risk-based capital ratio | 13.9263% | 5,303 |
| Memoranda: | ||
| Average total assets | $154,313,200 | 3,731 |
| Average earning assets | $136,791,000 | 3,804 |
| Average equity | $13,855,200 | 4,144 |
| Average total loans | $116,421,600 | 3,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 974 |
| Cost of funding earning assets | 1.6168% | 542 |
| Net interest margin | 4.0129% | 2,862 |
| Noninterest income to average assets | 0.5203% | 3,723 |
| Noninterest expense to average assets | 2.2604% | 6,146 |
| Loan and lease loss provision to assets | 0.1914% | 4,111 |
| Net operating income to assets | 1.6035% | 769 |
| Return on assets (ROA) | 1.7444% | 628 |
| Pretax return on assets | 1.7444% | 1,053 |
| Return on Equity (ROE) | 19.5536% | 340 |
| Retained earnings to average equity (ytd only) | 4.7007% | 3,374 |
| Net charge-offs to loans | 0.3913% | 3,157 |
| Credit loss provision to net charge-offs | 64.5161% | 4,651 |
| Earnings coverage of net charge-offs (x) | 6.0498% | 2,632 |
| Efficiency ratio | 54.8380% | 6,403 |
| Assets per employee ($millions) | 3.6912% | 4,556 |
| Cash dividends to net income (ytd only)* | 75.9602% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,881 |
| Loan loss allowance to noncurrent loans | 39.4945% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 2.6861% | 2,410 |
| Noncurrent loans to loans | 2.7930% | 2,496 |
| Net loans and leases to total assets | 78.7550% | 630 |
| Net loans and leases to deposits | 93.1381% | 906 |
| Net loans and leases to core deposits | 97.8673% | 1,431 |
| Total domestic deposits to total assets | 84.5573% | 3,984 |
| Equity capital to assets | 9.4284% | 5,198 |
| Core capital (leverage) ratio | 8.7116% | 5,391 |
| Tier 1 risk-based capital ratio | 12.2798% | 5,683 |
| Total risk-based capital ratio | 13.5163% | 5,672 |
| Memoranda: | ||
| Average total assets | $153,246,500 | 3,772 |
| Average earning assets | $134,993,250 | 3,863 |
| Average equity | $13,671,500 | 4,199 |
| Average total loans | $116,194,750 | 3,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5462% | 1,195 |
| Cost of funding earning assets | 1.6097% | 667 |
| Net interest margin | 3.9365% | 3,141 |
| Noninterest income to average assets | 0.5415% | 3,544 |
| Noninterest expense to average assets | 2.2397% | 6,276 |
| Loan and lease loss provision to assets | 0.2063% | 3,857 |
| Net operating income to assets | 1.5640% | 782 |
| Return on assets (ROA) | 1.5705% | 819 |
| Pretax return on assets | 1.5705% | 1,320 |
| Return on Equity (ROE) | 17.9271% | 466 |
| Retained earnings to average equity (ytd only) | 2.9584% | 4,398 |
| Net charge-offs to loans | 0.5737% | 2,387 |
| Credit loss provision to net charge-offs | 48.1928% | 4,628 |
| Earnings coverage of net charge-offs (x) | 4.1355% | 2,953 |
| Efficiency ratio | 54.9518% | 6,514 |
| Assets per employee ($millions) | 3.9528% | 3,859 |
| Cash dividends to net income (ytd only)* | 83.4975% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 6,053 |
| Loan loss allowance to noncurrent loans | 35.8458% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 2.8414% | 2,362 |
| Noncurrent loans to loans | 2.9979% | 2,422 |
| Net loans and leases to total assets | 76.3613% | 1,028 |
| Net loans and leases to deposits | 88.7482% | 1,401 |
| Net loans and leases to core deposits | 92.7558% | 2,046 |
| Total domestic deposits to total assets | 86.0426% | 3,305 |
| Equity capital to assets | 9.0981% | 5,441 |
| Core capital (leverage) ratio | 8.3067% | 5,859 |
| Tier 1 risk-based capital ratio | 11.6828% | 6,024 |
| Total risk-based capital ratio | 12.8397% | 6,089 |
| Memoranda: | ||
| Average total assets | $155,112,330 | 3,765 |
| Average earning assets | $136,669,670 | 3,845 |
| Average equity | $13,588,330 | 4,199 |
| Average total loans | $115,733,670 | 3,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 1,217 |
| Cost of funding earning assets | 1.6335% | 718 |
| Net interest margin | 3.8978% | 3,147 |
| Noninterest income to average assets | 0.5077% | 3,824 |
| Noninterest expense to average assets | 2.2315% | 6,355 |
| Loan and lease loss provision to assets | 0.2539% | 3,118 |
| Net operating income to assets | 1.4572% | 972 |
| Return on assets (ROA) | 1.4673% | 981 |
| Pretax return on assets | 1.4673% | 1,547 |
| Return on Equity (ROE) | 17.0634% | 559 |
| Retained earnings to average equity (ytd only) | 13.0189% | 587 |
| Net charge-offs to loans | 0.0969% | 3,975 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | 24.0714% | 997 |
| Efficiency ratio | 55.6986% | 6,535 |
| Assets per employee ($millions) | 3.8760% | 4,126 |
| Cash dividends to net income (ytd only)* | 23.7024% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 5,169 |
| Loan loss allowance to noncurrent loans | 46.3164% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.8728% | 2,403 |
| Noncurrent loans to loans | 2.7899% | 2,711 |
| Net loans and leases to total assets | 73.4115% | 1,430 |
| Net loans and leases to deposits | 85.0156% | 1,874 |
| Net loans and leases to core deposits | 88.6212% | 2,527 |
| Total domestic deposits to total assets | 86.3507% | 3,310 |
| Equity capital to assets | 8.9009% | 5,343 |
| Core capital (leverage) ratio | 8.1107% | 6,114 |
| Tier 1 risk-based capital ratio | 13.2207% | 4,650 |
| Total risk-based capital ratio | 14.4773% | 4,621 |
| Memoranda: | ||
| Average total assets | $157,565,000 | 3,748 |
| Average earning assets | $138,847,000 | 3,843 |
| Average equity | $13,549,500 | 4,205 |
| Average total loans | $115,627,500 | 3,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 1,216 |
| Cost of funding earning assets | 1.9423% | 736 |
| Net interest margin | 3.8816% | 3,575 |
| Noninterest income to average assets | 1.8554% | 451 |
| Noninterest expense to average assets | 2.8459% | 4,418 |
| Loan and lease loss provision to assets | 0.3052% | 4,359 |
| Net operating income to assets | 2.2168% | 190 |
| Return on assets (ROA) | 2.2126% | 198 |
| Pretax return on assets | 2.2126% | 309 |
| Return on Equity (ROE) | 25.7982% | 91 |
| Retained earnings to average equity (ytd only) | 10.7398% | 411 |
| Net charge-offs to loans | 0.2410% | 4,839 |
| Credit loss provision to net charge-offs | 172.5490% | 1,956 |
| Earnings coverage of net charge-offs (x) | 14.2588% | 1,354 |
| Efficiency ratio | 52.2807% | 6,968 |
| Assets per employee ($millions) | 3.9046% | 3,993 |
| Cash dividends to net income (ytd only)* | 58.3699% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,400 |
| Loan loss allowance to noncurrent loans | 41.4015% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.9921% | 2,349 |
| Noncurrent loans to loans | 2.9539% | 2,587 |
| Net loans and leases to total assets | 71.5408% | 2,193 |
| Net loans and leases to deposits | 82.1798% | 2,766 |
| Net loans and leases to core deposits | 86.6403% | 3,235 |
| Total domestic deposits to total assets | 87.0541% | 2,792 |
| Equity capital to assets | 8.3073% | 6,136 |
| Core capital (leverage) ratio | 7.9019% | 6,315 |
| Tier 1 risk-based capital ratio | 12.4491% | 5,068 |
| Total risk-based capital ratio | 13.7016% | 5,050 |
| Memoranda: | ||
| Average total assets | $144,174,400 | 3,981 |
| Average earning assets | $130,460,600 | 4,007 |
| Average equity | $12,365,200 | 4,512 |
| Average total loans | $105,820,600 | 3,631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8541% | 1,248 |
| Cost of funding earning assets | 2.0054% | 741 |
| Net interest margin | 3.8487% | 3,755 |
| Noninterest income to average assets | 2.3500% | 301 |
| Noninterest expense to average assets | 2.8483% | 4,284 |
| Loan and lease loss provision to assets | 0.1712% | 5,331 |
| Net operating income to assets | 2.8331% | 94 |
| Return on assets (ROA) | 2.8265% | 99 |
| Pretax return on assets | 2.8265% | 149 |
| Return on Equity (ROE) | 32.6628% | 35 |
| Retained earnings to average equity (ytd only) | 17.9249% | 109 |
| Net charge-offs to loans | 0.0516% | 6,009 |
| Credit loss provision to net charge-offs | 450.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 78.9779% | 384 |
| Efficiency ratio | 47.9851% | 7,272 |
| Assets per employee ($millions) | 3.0836% | 5,957 |
| Cash dividends to net income (ytd only)* | 45.1212% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,580 |
| Loan loss allowance to noncurrent loans | 42.4027% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.2492% | 2,198 |
| Noncurrent loans to loans | 2.7881% | 2,858 |
| Net loans and leases to total assets | 71.5729% | 2,345 |
| Net loans and leases to deposits | 83.1817% | 2,873 |
| Net loans and leases to core deposits | 87.5734% | 3,431 |
| Total domestic deposits to total assets | 86.0440% | 3,054 |
| Equity capital to assets | 8.6188% | 6,132 |
| Core capital (leverage) ratio | 8.2921% | 5,883 |
| Tier 1 risk-based capital ratio | 13.8897% | 3,920 |
| Total risk-based capital ratio | 15.1433% | 3,892 |
| Memoranda: | ||
| Average total assets | $140,195,750 | 4,107 |
| Average earning assets | $127,588,500 | 4,118 |
| Average equity | $12,131,750 | 4,640 |
| Average total loans | $103,289,000 | 3,751 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 1,389 |
| Cost of funding earning assets | 2.0021% | 911 |
| Net interest margin | 3.8160% | 3,830 |
| Noninterest income to average assets | 3.3324% | 202 |
| Noninterest expense to average assets | 2.8664% | 4,202 |
| Loan and lease loss provision to assets | 0.1798% | 5,071 |
| Net operating income to assets | 3.8103% | 50 |
| Return on assets (ROA) | 3.8014% | 51 |
| Pretax return on assets | 3.8014% | 79 |
| Return on Equity (ROE) | 43.8586% | 19 |
| Retained earnings to average equity (ytd only) | 29.5618% | 26 |
| Net charge-offs to loans | 0.0788% | 5,347 |
| Credit loss provision to net charge-offs | 307.6923% | 1,192 |
| Earnings coverage of net charge-offs (x) | 68.2821% | 458 |
| Efficiency ratio | 41.1932% | 7,617 |
| Assets per employee ($millions) | 3.0471% | 6,041 |
| Cash dividends to net income (ytd only)* | 32.5976% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,802 |
| Loan loss allowance to noncurrent loans | 50.9302% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 3.0319% | 2,350 |
| Noncurrent loans to loans | 2.2175% | 3,461 |
| Net loans and leases to total assets | 72.5991% | 2,258 |
| Net loans and leases to deposits | 86.1336% | 2,485 |
| Net loans and leases to core deposits | 90.5345% | 3,185 |
| Total domestic deposits to total assets | 84.2866% | 3,967 |
| Equity capital to assets | 8.8261% | 5,716 |
| Core capital (leverage) ratio | 8.2118% | 5,923 |
| Tier 1 risk-based capital ratio | 12.8750% | 4,548 |
| Total risk-based capital ratio | 14.1261% | 4,504 |
| Memoranda: | ||
| Average total assets | $133,478,670 | 4,271 |
| Average earning assets | $123,271,330 | 4,245 |
| Average equity | $11,569,000 | 4,789 |
| Average total loans | $99,006,000 | 3,929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7002% | 1,783 |
| Cost of funding earning assets | 1.9940% | 1,106 |
| Net interest margin | 3.7062% | 4,208 |
| Noninterest income to average assets | 0.4364% | 4,591 |
| Noninterest expense to average assets | 2.0001% | 7,159 |
| Loan and lease loss provision to assets | 0.1984% | 4,521 |
| Net operating income to assets | 1.7588% | 544 |
| Return on assets (ROA) | 1.7390% | 617 |
| Pretax return on assets | 1.7390% | 987 |
| Return on Equity (ROE) | 20.3069% | 363 |
| Retained earnings to average equity (ytd only) | 5.7523% | 2,742 |
| Net charge-offs to loans | 0.1550% | 3,997 |
| Credit loss provision to net charge-offs | 171.4286% | 2,113 |
| Earnings coverage of net charge-offs (x) | 16.9143% | 1,314 |
| Efficiency ratio | 49.3734% | 7,353 |
| Assets per employee ($millions) | 4.2555% | 3,370 |
| Cash dividends to net income (ytd only)* | 71.6730% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,484 |
| Loan loss allowance to noncurrent loans | 239.6190% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 6,366 |
| Noncurrent loans to loans | 0.5785% | 6,148 |
| Net loans and leases to total assets | 75.1013% | 1,718 |
| Net loans and leases to deposits | 88.6906% | 2,098 |
| Net loans and leases to core deposits | 93.1099% | 2,963 |
| Total domestic deposits to total assets | 84.6779% | 3,821 |
| Equity capital to assets | 8.7449% | 5,662 |
| Core capital (leverage) ratio | 7.9718% | 6,276 |
| Tier 1 risk-based capital ratio | 11.0667% | 6,098 |
| Total risk-based capital ratio | 12.3192% | 6,066 |
| Memoranda: | ||
| Average total assets | $120,992,500 | 4,604 |
| Average earning assets | $114,944,000 | 4,500 |
| Average equity | $10,361,000 | 5,137 |
| Average total loans | $90,335,000 | 4,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2100% | 1,217 |
| Cost of funding earning assets | 2.3580% | 1,433 |
| Net interest margin | 3.8521% | 3,478 |
| Noninterest income to average assets | 0.4923% | 4,475 |
| Noninterest expense to average assets | 2.2064% | 6,978 |
| Loan and lease loss provision to assets | 0.2022% | 5,724 |
| Net operating income to assets | 1.6674% | 475 |
| Return on assets (ROA) | 1.6649% | 507 |
| Pretax return on assets | 1.7343% | 723 |
| Return on Equity (ROE) | 18.8136% | 314 |
| Retained earnings to average equity (ytd only) | 2.4734% | 3,409 |
| Net charge-offs to loans | 0.0969% | 6,165 |
| Credit loss provision to net charge-offs | 273.8095% | 1,257 |
| Earnings coverage of net charge-offs (x) | 26.2619% | 858 |
| Efficiency ratio | 52.0144% | 7,383 |
| Assets per employee ($millions) | 4.3868% | 3,137 |
| Cash dividends to net income (ytd only)* | 86.8532% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 4,380 |
| Loan loss allowance to noncurrent loans | 282.7982% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 6,559 |
| Noncurrent loans to loans | 0.4848% | 6,287 |
| Net loans and leases to total assets | 72.2071% | 2,701 |
| Net loans and leases to deposits | 84.0874% | 3,249 |
| Net loans and leases to core deposits | 101.2512% | 3,875 |
| Total domestic deposits to total assets | 85.8715% | 3,073 |
| Equity capital to assets | 8.3872% | 6,070 |
| Core capital (leverage) ratio | 7.8729% | 6,353 |
| Tier 1 risk-based capital ratio | 10.8628% | 6,054 |
| Total risk-based capital ratio | 12.1221% | 6,009 |
| Memoranda: | ||
| Average total assets | $113,760,800 | 4,733 |
| Average earning assets | $107,889,800 | 4,633 |
| Average equity | $10,067,200 | 5,282 |
| Average total loans | $86,709,000 | 4,305 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 1,105 |
| Cost of funding earning assets | 2.4552% | 1,428 |
| Net interest margin | 3.8585% | 3,394 |
| Noninterest income to average assets | 0.4987% | 4,493 |
| Noninterest expense to average assets | 2.2147% | 6,933 |
| Loan and lease loss provision to assets | 0.1555% | 5,795 |
| Net operating income to assets | 1.7866% | 461 |
| Return on assets (ROA) | 1.7830% | 491 |
| Pretax return on assets | 1.7878% | 819 |
| Return on Equity (ROE) | 19.8626% | 321 |
| Retained earnings to average equity (ytd only) | 4.6360% | 2,686 |
| Net charge-offs to loans | 0.0590% | 6,117 |
| Credit loss provision to net charge-offs | 342.1053% | 1,194 |
| Earnings coverage of net charge-offs (x) | 42.8382% | 715 |
| Efficiency ratio | 52.0115% | 7,415 |
| Assets per employee ($millions) | 4.0444% | 3,645 |
| Cash dividends to net income (ytd only)* | 76.6599% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,396 |
| Loan loss allowance to noncurrent loans | 251.3859% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 6,420 |
| Noncurrent loans to loans | 0.5237% | 6,261 |
| Net loans and leases to total assets | 78.0348% | 1,562 |
| Net loans and leases to deposits | 93.8877% | 1,898 |
| Net loans and leases to core deposits | 121.6366% | 2,103 |
| Total domestic deposits to total assets | 83.1151% | 4,169 |
| Equity capital to assets | 9.2006% | 5,162 |
| Core capital (leverage) ratio | 8.3284% | 5,788 |
| Tier 1 risk-based capital ratio | 11.2269% | 5,716 |
| Total risk-based capital ratio | 12.4783% | 5,667 |
| Memoranda: | ||
| Average total assets | $111,493,500 | 4,817 |
| Average earning assets | $105,841,000 | 4,713 |
| Average equity | $10,008,500 | 5,333 |
| Average total loans | $85,905,000 | 4,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3157% | 1,167 |
| Cost of funding earning assets | 2.5430% | 1,468 |
| Net interest margin | 3.7727% | 3,662 |
| Noninterest income to average assets | 0.4743% | 4,679 |
| Noninterest expense to average assets | 2.2649% | 6,866 |
| Loan and lease loss provision to assets | 0.1262% | 5,849 |
| Net operating income to assets | 1.6572% | 610 |
| Return on assets (ROA) | 1.6518% | 678 |
| Pretax return on assets | 1.6572% | 1,098 |
| Return on Equity (ROE) | 18.5582% | 443 |
| Retained earnings to average equity (ytd only) | 3.4645% | 3,384 |
| Net charge-offs to loans | 0.0118% | 6,391 |
| Credit loss provision to net charge-offs | 1,400.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 198.4000% | 209 |
| Efficiency ratio | 54.6263% | 7,266 |
| Assets per employee ($millions) | 4.0471% | 3,595 |
| Cash dividends to net income (ytd only)* | 81.3319% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,075 |
| Loan loss allowance to noncurrent loans | 142.7509% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 5,465 |
| Noncurrent loans to loans | 0.9348% | 5,351 |
| Net loans and leases to total assets | 75.1624% | 2,399 |
| Net loans and leases to deposits | 86.5159% | 3,460 |
| Net loans and leases to core deposits | 110.7537% | 3,297 |
| Total domestic deposits to total assets | 86.8770% | 2,317 |
| Equity capital to assets | 8.7143% | 5,734 |
| Core capital (leverage) ratio | 8.0525% | 6,241 |
| Tier 1 risk-based capital ratio | 11.3424% | 5,557 |
| Total risk-based capital ratio | 12.5949% | 5,458 |
| Memoranda: | ||
| Average total assets | $110,910,330 | 4,861 |
| Average earning assets | $105,230,330 | 4,749 |
| Average equity | $9,871,670 | 5,398 |
| Average total loans | $84,690,670 | 4,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3672% | 1,136 |
| Cost of funding earning assets | 2.6148% | 1,512 |
| Net interest margin | 3.7525% | 3,647 |
| Noninterest income to average assets | 0.4594% | 4,686 |
| Noninterest expense to average assets | 2.3007% | 6,537 |
| Loan and lease loss provision to assets | 0.1094% | 5,571 |
| Net operating income to assets | 1.5897% | 800 |
| Return on assets (ROA) | 1.5897% | 878 |
| Pretax return on assets | 1.5970% | 1,414 |
| Return on Equity (ROE) | 17.6697% | 617 |
| Retained earnings to average equity (ytd only) | 2.9990% | 4,207 |
| Net charge-offs to loans | 0.0382% | 4,973 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 655 |
| Efficiency ratio | 56.1419% | 6,956 |
| Assets per employee ($millions) | 4.0193% | 3,626 |
| Cash dividends to net income (ytd only)* | 83.0275% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,002 |
| Loan loss allowance to noncurrent loans | 203.8603% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 5,779 |
| Noncurrent loans to loans | 0.6444% | 5,798 |
| Net loans and leases to total assets | 76.7750% | 2,095 |
| Net loans and leases to deposits | 88.7702% | 3,145 |
| Net loans and leases to core deposits | 107.8314% | 3,709 |
| Total domestic deposits to total assets | 86.4874% | 2,451 |
| Equity capital to assets | 9.1770% | 5,114 |
| Core capital (leverage) ratio | 8.4275% | 5,665 |
| Tier 1 risk-based capital ratio | 11.5783% | 5,340 |
| Total risk-based capital ratio | 12.8304% | 5,231 |
| Memoranda: | ||
| Average total assets | $109,705,500 | 4,914 |
| Average earning assets | $103,718,500 | 4,813 |
| Average equity | $9,870,000 | 5,423 |
| Average total loans | $83,873,000 | 4,499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7180% | 1,961 |
| Cost of funding earning assets | 3.1504% | 1,352 |
| Net interest margin | 3.5676% | 5,025 |
| Noninterest income to average assets | 0.5223% | 4,451 |
| Noninterest expense to average assets | 2.1655% | 7,070 |
| Loan and lease loss provision to assets | 0.1744% | 5,157 |
| Net operating income to assets | 1.4949% | 1,024 |
| Return on assets (ROA) | 1.4949% | 988 |
| Pretax return on assets | 1.5397% | 1,567 |
| Return on Equity (ROE) | 17.0112% | 632 |
| Retained earnings to average equity (ytd only) | 3.4808% | 2,974 |
| Net charge-offs to loans | 0.1544% | 4,652 |
| Credit loss provision to net charge-offs | 149.6000% | 3,524 |
| Earnings coverage of net charge-offs (x) | 14.7040% | 2,015 |
| Efficiency ratio | 54.4471% | 7,223 |
| Assets per employee ($millions) | 3.9604% | 3,599 |
| Cash dividends to net income (ytd only)* | 79.5384% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 3,748 |
| Loan loss allowance to noncurrent loans | 123.3825% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 4,705 |
| Noncurrent loans to loans | 1.0574% | 4,457 |
| Net loans and leases to total assets | 74.1573% | 3,070 |
| Net loans and leases to deposits | 84.8664% | 4,278 |
| Net loans and leases to core deposits | 102.0121% | 4,612 |
| Total domestic deposits to total assets | 87.3812% | 1,767 |
| Equity capital to assets | 8.8205% | 5,617 |
| Core capital (leverage) ratio | 8.4802% | 5,608 |
| Tier 1 risk-based capital ratio | 11.5193% | 5,222 |
| Total risk-based capital ratio | 12.7709% | 5,116 |
| Memoranda: | ||
| Average total assets | $107,228,200 | 4,852 |
| Average earning assets | $100,908,400 | 4,780 |
| Average equity | $9,423,200 | 5,599 |
| Average total loans | $80,974,400 | 4,492 |