Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 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 | 4.9395% | 3,193 |
| Cost of funding earning assets | 1.5528% | 3,258 |
| Net interest margin | 3.3866% | 2,310 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.6651% | 1,825 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.9488% | 2,224 |
| Return on assets (ROA) | 0.9458% | 2,230 |
| Pretax return on assets | 0.9475% | 2,673 |
| Return on Equity (ROE) | 11.4800% | 1,747 |
| Retained earnings to average equity (ytd only) | 5.1494% | 2,182 |
| Net charge-offs to loans | -0.0194% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 72.6673% | 1,708 |
| Assets per employee ($millions) | 5.6122% | 3,198 |
| Cash dividends to net income (ytd only)* | 55.1405% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 2,887 |
| Loan loss allowance to noncurrent loans | 936.1233% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,140 |
| Noncurrent loans to loans | 0.1135% | 3,067 |
| Net loans and leases to total assets | 65.8800% | 2,369 |
| Net loans and leases to deposits | 76.2497% | 2,436 |
| Net loans and leases to core deposits | 84.6408% | 2,467 |
| Total domestic deposits to total assets | 86.4000% | 2,081 |
| Equity capital to assets | 8.2958% | 3,343 |
| Core capital (leverage) ratio | 9.9182% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4249% | 1,703 |
| Memoranda: | ||
| Average total assets | $594,424,400 | 1,544 |
| Average earning assets | $550,810,000 | 1,542 |
| Average equity | $48,976,600 | 1,739 |
| Average total loans | $391,239,000 | 1,550 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 3,240 |
| Cost of funding earning assets | 1.5605% | 3,250 |
| Net interest margin | 3.3163% | 2,422 |
| Noninterest income to average assets | 0.4900% | 1,945 |
| Noninterest expense to average assets | 2.6526% | 1,805 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.8754% | 2,457 |
| Return on assets (ROA) | 0.8714% | 2,479 |
| Pretax return on assets | 0.8736% | 2,864 |
| Return on Equity (ROE) | 10.5900% | 2,025 |
| Retained earnings to average equity (ytd only) | 3.7593% | 2,929 |
| Net charge-offs to loans | -0.0243% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.0425% | 1,586 |
| Assets per employee ($millions) | 5.4771% | 3,295 |
| Cash dividends to net income (ytd only)* | 64.5161% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 2,921 |
| Loan loss allowance to noncurrent loans | 577.0289% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,891 |
| Noncurrent loans to loans | 0.1846% | 2,803 |
| Net loans and leases to total assets | 64.6600% | 2,456 |
| Net loans and leases to deposits | 78.2355% | 2,335 |
| Net loans and leases to core deposits | 83.1336% | 2,623 |
| Total domestic deposits to total assets | 82.6400% | 2,949 |
| Equity capital to assets | 8.8504% | 3,133 |
| Core capital (leverage) ratio | 9.8587% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3167% | 1,778 |
| Memoranda: | ||
| Average total assets | $592,904,000 | 1,543 |
| Average earning assets | $548,951,250 | 1,547 |
| Average equity | $48,766,500 | 1,737 |
| Average total loans | $389,088,500 | 1,549 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 3,280 |
| Cost of funding earning assets | 1.5182% | 3,250 |
| Net interest margin | 3.2800% | 2,459 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.6413% | 1,831 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.8621% | 2,409 |
| Return on assets (ROA) | 0.8560% | 2,449 |
| Pretax return on assets | 0.8584% | 2,856 |
| Return on Equity (ROE) | 10.6800% | 1,980 |
| Retained earnings to average equity (ytd only) | 2.2181% | 3,278 |
| Net charge-offs to loans | -0.0067% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.2238% | 1,616 |
| Assets per employee ($millions) | 5.2250% | 3,432 |
| Cash dividends to net income (ytd only)* | 79.2393% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,062 |
| Loan loss allowance to noncurrent loans | 425.1821% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,587 |
| Noncurrent loans to loans | 0.2451% | 2,501 |
| Net loans and leases to total assets | 65.7100% | 2,380 |
| Net loans and leases to deposits | 77.2279% | 2,451 |
| Net loans and leases to core deposits | 82.2394% | 2,659 |
| Total domestic deposits to total assets | 85.0900% | 2,291 |
| Equity capital to assets | 7.9382% | 3,471 |
| Core capital (leverage) ratio | 9.8051% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0211% | 1,878 |
| Memoranda: | ||
| Average total assets | $589,712,333 | 1,548 |
| Average earning assets | $546,287,000 | 1,543 |
| Average equity | $47,248,000 | 1,751 |
| Average total loans | $387,539,667 | 1,547 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 3,285 |
| Cost of funding earning assets | 1.5229% | 3,144 |
| Net interest margin | 3.1997% | 2,571 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.6089% | 1,939 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.7683% | 2,636 |
| Return on assets (ROA) | 0.7561% | 2,682 |
| Pretax return on assets | 0.7561% | 3,028 |
| Return on Equity (ROE) | 9.3900% | 2,287 |
| Retained earnings to average equity (ytd only) | -3.2548% | 4,024 |
| Net charge-offs to loans | -0.0093% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.0645% | 1,541 |
| Assets per employee ($millions) | 5.3892% | 3,356 |
| Cash dividends to net income (ytd only)* | 134.6499% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,034 |
| Loan loss allowance to noncurrent loans | 391.8738% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,479 |
| Noncurrent loans to loans | 0.2688% | 2,349 |
| Net loans and leases to total assets | 64.9400% | 2,379 |
| Net loans and leases to deposits | 76.2491% | 2,406 |
| Net loans and leases to core deposits | 80.9752% | 2,656 |
| Total domestic deposits to total assets | 85.1700% | 2,360 |
| Equity capital to assets | 7.8596% | 3,457 |
| Core capital (leverage) ratio | 9.6864% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0006% | 1,878 |
| Memoranda: | ||
| Average total assets | $589,356,000 | 1,548 |
| Average earning assets | $546,057,500 | 1,556 |
| Average equity | $47,437,500 | 1,734 |
| Average total loans | $385,280,500 | 1,554 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 3,496 |
| Cost of funding earning assets | 1.1555% | 2,920 |
| Net interest margin | 3.1086% | 3,081 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.6007% | 1,999 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7166% | 3,143 |
| Return on assets (ROA) | 0.7205% | 3,109 |
| Pretax return on assets | 0.7243% | 3,387 |
| Return on Equity (ROE) | 9.4000% | 2,659 |
| Retained earnings to average equity (ytd only) | 1.8060% | 3,622 |
| Net charge-offs to loans | 0.0158% | 2,071 |
| Credit loss provision to net charge-offs | 27.5862% | 2,285 |
| Earnings coverage of net charge-offs (x) | 75.4828% | 1,064 |
| Efficiency ratio | 77.1845% | 1,146 |
| Assets per employee ($millions) | 5.2784% | 3,412 |
| Cash dividends to net income (ytd only)* | 80.7793% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,015 |
| Loan loss allowance to noncurrent loans | 371.8090% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,246 |
| Noncurrent loans to loans | 0.2855% | 2,158 |
| Net loans and leases to total assets | 64.4200% | 2,425 |
| Net loans and leases to deposits | 76.3682% | 2,420 |
| Net loans and leases to core deposits | 81.5411% | 2,617 |
| Total domestic deposits to total assets | 84.3500% | 2,521 |
| Equity capital to assets | 8.2408% | 3,249 |
| Core capital (leverage) ratio | 9.7949% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3750% | 1,731 |
| Memoranda: | ||
| Average total assets | $584,159,400 | 1,514 |
| Average earning assets | $540,974,800 | 1,524 |
| Average equity | $44,794,600 | 1,740 |
| Average total loans | $367,328,800 | 1,554 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,537 |
| Cost of funding earning assets | 1.0782% | 2,803 |
| Net interest margin | 3.0815% | 3,172 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.5788% | 2,007 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7106% | 3,295 |
| Return on assets (ROA) | 0.7131% | 3,274 |
| Pretax return on assets | 0.7172% | 3,515 |
| Return on Equity (ROE) | 9.4800% | 2,805 |
| Retained earnings to average equity (ytd only) | 1.8881% | 3,746 |
| Net charge-offs to loans | 0.0238% | 1,604 |
| Credit loss provision to net charge-offs | -41.5385% | 4,498 |
| Earnings coverage of net charge-offs (x) | 50.0923% | 1,317 |
| Efficiency ratio | 77.1621% | 1,078 |
| Assets per employee ($millions) | 5.0971% | 3,528 |
| Cash dividends to net income (ytd only)* | 80.0769% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,013 |
| Loan loss allowance to noncurrent loans | 293.1085% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,017 |
| Noncurrent loans to loans | 0.3656% | 1,922 |
| Net loans and leases to total assets | 64.0800% | 2,441 |
| Net loans and leases to deposits | 73.0693% | 2,641 |
| Net loans and leases to core deposits | 78.3494% | 2,724 |
| Total domestic deposits to total assets | 87.7000% | 1,666 |
| Equity capital to assets | 6.8674% | 3,679 |
| Core capital (leverage) ratio | 9.7830% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4930% | 1,719 |
| Memoranda: | ||
| Average total assets | $583,723,000 | 1,523 |
| Average earning assets | $540,757,000 | 1,523 |
| Average equity | $43,922,500 | 1,753 |
| Average total loans | $363,789,750 | 1,559 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,647 |
| Cost of funding earning assets | 0.9632% | 2,727 |
| Net interest margin | 3.0552% | 3,315 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.5481% | 2,078 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7120% | 3,321 |
| Return on assets (ROA) | 0.7157% | 3,309 |
| Pretax return on assets | 0.7204% | 3,564 |
| Return on Equity (ROE) | 9.2500% | 2,907 |
| Retained earnings to average equity (ytd only) | -0.6699% | 4,185 |
| Net charge-offs to loans | 0.0299% | 1,287 |
| Credit loss provision to net charge-offs | 7.4074% | 1,803 |
| Earnings coverage of net charge-offs (x) | 40.4630% | 1,393 |
| Efficiency ratio | 76.8928% | 1,100 |
| Assets per employee ($millions) | 5.1310% | 3,476 |
| Cash dividends to net income (ytd only)* | 107.2450% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 2,874 |
| Loan loss allowance to noncurrent loans | 398.8154% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,329 |
| Noncurrent loans to loans | 0.2798% | 2,143 |
| Net loans and leases to total assets | 61.7500% | 2,596 |
| Net loans and leases to deposits | 70.8792% | 2,726 |
| Net loans and leases to core deposits | 76.0501% | 2,760 |
| Total domestic deposits to total assets | 87.1100% | 1,896 |
| Equity capital to assets | 7.6688% | 3,425 |
| Core capital (leverage) ratio | 9.6315% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7766% | 1,630 |
| Memoranda: | ||
| Average total assets | $586,308,000 | 1,509 |
| Average earning assets | $543,604,000 | 1,516 |
| Average equity | $45,378,667 | 1,713 |
| Average total loans | $360,687,000 | 1,560 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,731 |
| Cost of funding earning assets | 0.8203% | 2,656 |
| Net interest margin | 3.0532% | 3,454 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5558% | 2,093 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6954% | 3,485 |
| Return on assets (ROA) | 0.6948% | 3,433 |
| Pretax return on assets | 0.7015% | 3,660 |
| Return on Equity (ROE) | 8.9400% | 3,068 |
| Retained earnings to average equity (ytd only) | -4.1539% | 4,297 |
| Net charge-offs to loans | 0.0678% | 732 |
| Credit loss provision to net charge-offs | 68.8525% | 1,246 |
| Earnings coverage of net charge-offs (x) | 17.6557% | 1,498 |
| Efficiency ratio | 77.2915% | 1,066 |
| Assets per employee ($millions) | 5.3354% | 3,377 |
| Cash dividends to net income (ytd only)* | 146.4844% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,883 |
| Loan loss allowance to noncurrent loans | 331.7848% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,103 |
| Noncurrent loans to loans | 0.3420% | 1,918 |
| Net loans and leases to total assets | 59.8900% | 2,663 |
| Net loans and leases to deposits | 66.2650% | 2,914 |
| Net loans and leases to core deposits | 71.1770% | 2,870 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 7.9296% | 3,290 |
| Core capital (leverage) ratio | 9.5279% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8266% | 1,675 |
| Memoranda: | ||
| Average total assets | $589,559,500 | 1,522 |
| Average earning assets | $547,089,500 | 1,527 |
| Average equity | $45,836,000 | 1,714 |
| Average total loans | $360,007,500 | 1,580 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 2,589 |
| Cost of funding earning assets | 0.2151% | 3,634 |
| Net interest margin | 3.4635% | 2,057 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.5114% | 2,073 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 1.5784% | 722 |
| Return on assets (ROA) | 1.4563% | 947 |
| Pretax return on assets | 1.4580% | 1,585 |
| Return on Equity (ROE) | 17.5400% | 779 |
| Retained earnings to average equity (ytd only) | 10.2652% | 1,077 |
| Net charge-offs to loans | -0.0208% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.9420% | 2,500 |
| Assets per employee ($millions) | 5.4849% | 3,233 |
| Cash dividends to net income (ytd only)* | 41.4790% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 2,936 |
| Loan loss allowance to noncurrent loans | 348.6749% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,209 |
| Noncurrent loans to loans | 0.3133% | 2,028 |
| Net loans and leases to total assets | 60.8900% | 2,562 |
| Net loans and leases to deposits | 68.4467% | 2,704 |
| Net loans and leases to core deposits | 71.3336% | 2,771 |
| Total domestic deposits to total assets | 88.9500% | 1,734 |
| Equity capital to assets | 7.6182% | 3,316 |
| Core capital (leverage) ratio | 9.6817% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1405% | 1,592 |
| Memoranda: | ||
| Average total assets | $579,429,400 | 1,543 |
| Average earning assets | $538,929,200 | 1,524 |
| Average equity | $48,104,400 | 1,670 |
| Average total loans | $351,088,600 | 1,543 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 2,280 |
| Cost of funding earning assets | 0.1558% | 3,780 |
| Net interest margin | 3.4661% | 1,763 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.4805% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3978% | 1,100 |
| Return on assets (ROA) | 1.3978% | 1,070 |
| Pretax return on assets | 1.3994% | 1,722 |
| Return on Equity (ROE) | 16.4900% | 890 |
| Retained earnings to average equity (ytd only) | 9.6825% | 1,436 |
| Net charge-offs to loans | -0.0061% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4974% | 2,623 |
| Assets per employee ($millions) | 5.0160% | 3,660 |
| Cash dividends to net income (ytd only)* | 41.2882% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 1,647 |
| Loan loss allowance to noncurrent loans | 409.9425% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,196 |
| Noncurrent loans to loans | 0.3389% | 2,016 |
| Net loans and leases to total assets | 61.3800% | 2,367 |
| Net loans and leases to deposits | 67.2637% | 2,611 |
| Net loans and leases to core deposits | 68.3364% | 2,769 |
| Total domestic deposits to total assets | 91.2500% | 1,138 |
| Equity capital to assets | 6.7414% | 3,644 |
| Core capital (leverage) ratio | 9.4175% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6466% | 1,831 |
| Memoranda: | ||
| Average total assets | $577,565,500 | 1,552 |
| Average earning assets | $537,528,750 | 1,546 |
| Average equity | $48,953,000 | 1,668 |
| Average total loans | $348,540,250 | 1,543 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5453% | 2,003 |
| Cost of funding earning assets | 0.1331% | 3,803 |
| Net interest margin | 3.4122% | 1,563 |
| Noninterest income to average assets | 0.7376% | 1,210 |
| Noninterest expense to average assets | 2.4212% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4925% | 726 |
| Return on assets (ROA) | 1.4925% | 705 |
| Pretax return on assets | 1.4943% | 1,182 |
| Return on Equity (ROE) | 16.4869% | 637 |
| Retained earnings to average equity (ytd only) | 9.7958% | 1,074 |
| Net charge-offs to loans | -0.0064% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3950% | 3,126 |
| Assets per employee ($millions) | 5.3174% | 3,415 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,725 |
| Loan loss allowance to noncurrent loans | 466.3237% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,437 |
| Noncurrent loans to loans | 0.3018% | 2,253 |
| Net loans and leases to total assets | 60.2505% | 2,296 |
| Net loans and leases to deposits | 66.6968% | 2,491 |
| Net loans and leases to core deposits | 68.0431% | 2,649 |
| Total domestic deposits to total assets | 90.3349% | 1,560 |
| Equity capital to assets | 8.0274% | 3,106 |
| Core capital (leverage) ratio | 9.2947% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6782% | 1,809 |
| Memoranda: | ||
| Average total assets | $577,806,667 | 1,551 |
| Average earning assets | $538,122,000 | 1,561 |
| Average equity | $52,308,333 | 1,624 |
| Average total loans | $345,032,667 | 1,546 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 1,854 |
| Cost of funding earning assets | 0.1248% | 3,838 |
| Net interest margin | 3.3602% | 1,407 |
| Noninterest income to average assets | 0.9991% | 678 |
| Noninterest expense to average assets | 2.4454% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6876% | 421 |
| Return on assets (ROA) | 1.6876% | 425 |
| Pretax return on assets | 1.6890% | 697 |
| Return on Equity (ROE) | 17.6380% | 365 |
| Retained earnings to average equity (ytd only) | 10.3915% | 931 |
| Net charge-offs to loans | -0.0117% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1481% | 3,566 |
| Assets per employee ($millions) | 5.3537% | 3,445 |
| Cash dividends to net income (ytd only)* | 41.0846% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,670 |
| Loan loss allowance to noncurrent loans | 464.5853% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 2,516 |
| Noncurrent loans to loans | 0.3153% | 2,339 |
| Net loans and leases to total assets | 58.0033% | 2,296 |
| Net loans and leases to deposits | 65.3671% | 2,399 |
| Net loans and leases to core deposits | 65.9862% | 2,627 |
| Total domestic deposits to total assets | 88.7348% | 2,194 |
| Equity capital to assets | 8.8216% | 2,861 |
| Core capital (leverage) ratio | 9.2857% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0206% | 1,787 |
| Memoranda: | ||
| Average total assets | $576,909,000 | 1,566 |
| Average earning assets | $538,294,000 | 1,565 |
| Average equity | $55,199,000 | 1,593 |
| Average total loans | $340,450,000 | 1,551 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 1,897 |
| Cost of funding earning assets | 0.1773% | 3,691 |
| Net interest margin | 3.6134% | 1,432 |
| Noninterest income to average assets | 0.5832% | 2,230 |
| Noninterest expense to average assets | 2.5734% | 1,944 |
| Loan and lease loss provision to assets | 0.0957% | 1,305 |
| Net operating income to assets | 1.2900% | 1,627 |
| Return on assets (ROA) | 1.3675% | 1,436 |
| Pretax return on assets | 1.3696% | 2,142 |
| Return on Equity (ROE) | 12.4772% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.2042% | 1,460 |
| Net charge-offs to loans | -0.0281% | 4,099 |
| Credit loss provision to net charge-offs | -543.6170% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9657% | 2,410 |
| Assets per employee ($millions) | 5.5885% | 3,173 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,694 |
| Loan loss allowance to noncurrent loans | 330.7181% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 2,245 |
| Noncurrent loans to loans | 0.4417% | 2,030 |
| Net loans and leases to total assets | 58.2966% | 2,346 |
| Net loans and leases to deposits | 66.5940% | 2,453 |
| Net loans and leases to core deposits | 67.2379% | 2,716 |
| Total domestic deposits to total assets | 87.5403% | 2,265 |
| Equity capital to assets | 10.3178% | 2,349 |
| Core capital (leverage) ratio | 9.2374% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7533% | 1,945 |
| Memoranda: | ||
| Average total assets | $533,804,200 | 1,612 |
| Average earning assets | $499,031,400 | 1,608 |
| Average equity | $58,506,800 | 1,541 |
| Average total loans | $334,129,600 | 1,575 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 1,879 |
| Cost of funding earning assets | 0.1815% | 3,802 |
| Net interest margin | 3.6825% | 1,375 |
| Noninterest income to average assets | 0.6094% | 2,177 |
| Noninterest expense to average assets | 2.6105% | 1,808 |
| Loan and lease loss provision to assets | 0.0976% | 1,225 |
| Net operating income to assets | 1.3423% | 1,712 |
| Return on assets (ROA) | 1.4570% | 1,431 |
| Pretax return on assets | 1.4593% | 2,115 |
| Return on Equity (ROE) | 13.0823% | 1,671 |
| Retained earnings to average equity (ytd only) | 9.6511% | 1,433 |
| Net charge-offs to loans | -0.0221% | 4,004 |
| Credit loss provision to net charge-offs | -696.3636% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4141% | 2,332 |
| Assets per employee ($millions) | 5.2864% | 3,420 |
| Cash dividends to net income (ytd only)* | 26.2284% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,928 |
| Loan loss allowance to noncurrent loans | 275.9472% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 2,218 |
| Noncurrent loans to loans | 0.5156% | 2,014 |
| Net loans and leases to total assets | 59.4374% | 2,328 |
| Net loans and leases to deposits | 69.0794% | 2,326 |
| Net loans and leases to core deposits | 69.8532% | 2,608 |
| Total domestic deposits to total assets | 86.0422% | 2,729 |
| Equity capital to assets | 10.6078% | 2,355 |
| Core capital (leverage) ratio | 9.3960% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7097% | 2,085 |
| Memoranda: | ||
| Average total assets | $523,351,500 | 1,651 |
| Average earning assets | $489,359,500 | 1,651 |
| Average equity | $58,285,750 | 1,572 |
| Average total loans | $332,527,500 | 1,611 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 2,221 |
| Cost of funding earning assets | 0.1945% | 3,809 |
| Net interest margin | 3.5487% | 1,719 |
| Noninterest income to average assets | 0.6669% | 1,945 |
| Noninterest expense to average assets | 2.5169% | 2,088 |
| Loan and lease loss provision to assets | 0.1002% | 1,265 |
| Net operating income to assets | 1.3679% | 1,659 |
| Return on assets (ROA) | 1.5440% | 1,244 |
| Pretax return on assets | 1.5463% | 1,884 |
| Return on Equity (ROE) | 13.6268% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.4455% | 1,915 |
| Net charge-offs to loans | -0.0224% | 4,035 |
| Credit loss provision to net charge-offs | -691.8919% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1233% | 2,551 |
| Assets per employee ($millions) | 4.9346% | 3,711 |
| Cash dividends to net income (ytd only)* | 38.0228% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,851 |
| Loan loss allowance to noncurrent loans | 261.7069% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 2,218 |
| Noncurrent loans to loans | 0.5463% | 2,035 |
| Net loans and leases to total assets | 62.0229% | 2,175 |
| Net loans and leases to deposits | 73.0414% | 2,106 |
| Net loans and leases to core deposits | 73.7396% | 2,434 |
| Total domestic deposits to total assets | 84.9148% | 3,129 |
| Equity capital to assets | 11.3679% | 1,719 |
| Core capital (leverage) ratio | 9.9449% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6523% | 1,738 |
| Memoranda: | ||
| Average total assets | $511,017,333 | 1,672 |
| Average earning assets | $478,144,333 | 1,673 |
| Average equity | $57,900,667 | 1,574 |
| Average total loans | $330,747,667 | 1,625 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 2,695 |
| Cost of funding earning assets | 0.2165% | 3,763 |
| Net interest margin | 3.3659% | 2,203 |
| Noninterest income to average assets | 0.7882% | 1,614 |
| Noninterest expense to average assets | 2.5381% | 2,062 |
| Loan and lease loss provision to assets | 0.1009% | 1,335 |
| Net operating income to assets | 1.2959% | 1,840 |
| Return on assets (ROA) | 1.5907% | 1,195 |
| Pretax return on assets | 1.5938% | 1,746 |
| Return on Equity (ROE) | 14.0626% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.8362% | 2,007 |
| Net charge-offs to loans | 0.0156% | 1,430 |
| Credit loss provision to net charge-offs | 984.6154% | 424 |
| Earnings coverage of net charge-offs (x) | 136.6154% | 518 |
| Efficiency ratio | 64.4516% | 2,414 |
| Assets per employee ($millions) | 5.2257% | 3,404 |
| Cash dividends to net income (ytd only)* | 37.1655% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 2,337 |
| Loan loss allowance to noncurrent loans | 241.5948% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 2,366 |
| Noncurrent loans to loans | 0.5471% | 2,222 |
| Net loans and leases to total assets | 64.7019% | 1,957 |
| Net loans and leases to deposits | 75.7177% | 1,941 |
| Net loans and leases to core deposits | 76.9540% | 2,270 |
| Total domestic deposits to total assets | 85.4514% | 2,945 |
| Equity capital to assets | 10.9813% | 1,874 |
| Core capital (leverage) ratio | 10.1316% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1279% | 1,864 |
| Memoranda: | ||
| Average total assets | $507,458,000 | 1,669 |
| Average earning assets | $474,879,000 | 1,665 |
| Average equity | $57,400,500 | 1,575 |
| Average total loans | $333,109,500 | 1,620 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 1,698 |
| Cost of funding earning assets | 0.5167% | 2,834 |
| Net interest margin | 3.8410% | 1,393 |
| Noninterest income to average assets | 0.6050% | 2,202 |
| Noninterest expense to average assets | 2.7280% | 2,147 |
| Loan and lease loss provision to assets | 0.2014% | 1,948 |
| Net operating income to assets | 1.2566% | 1,369 |
| Return on assets (ROA) | 1.3282% | 1,279 |
| Pretax return on assets | 1.3299% | 1,881 |
| Return on Equity (ROE) | 11.1435% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.7454% | 1,929 |
| Net charge-offs to loans | 0.0781% | 1,693 |
| Credit loss provision to net charge-offs | 377.1084% | 1,501 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,687 |
| Efficiency ratio | 65.1439% | 2,653 |
| Assets per employee ($millions) | 4.7388% | 3,678 |
| Cash dividends to net income (ytd only)* | 48.4418% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,250 |
| Loan loss allowance to noncurrent loans | 193.4042% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 2,207 |
| Noncurrent loans to loans | 0.6908% | 1,961 |
| Net loans and leases to total assets | 64.8418% | 2,249 |
| Net loans and leases to deposits | 76.5603% | 2,220 |
| Net loans and leases to core deposits | 78.4714% | 2,517 |
| Total domestic deposits to total assets | 84.6937% | 2,886 |
| Equity capital to assets | 11.6545% | 1,765 |
| Core capital (leverage) ratio | 9.9866% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1244% | 1,815 |
| Memoranda: | ||
| Average total assets | $466,272,800 | 1,647 |
| Average earning assets | $434,907,400 | 1,638 |
| Average equity | $55,574,800 | 1,543 |
| Average total loans | $318,936,600 | 1,618 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,460 |
| Cost of funding earning assets | 0.5850% | 2,710 |
| Net interest margin | 3.9616% | 1,208 |
| Noninterest income to average assets | 0.6227% | 2,092 |
| Noninterest expense to average assets | 2.7382% | 2,150 |
| Loan and lease loss provision to assets | 0.2362% | 1,724 |
| Net operating income to assets | 1.3372% | 1,268 |
| Return on assets (ROA) | 1.4344% | 1,114 |
| Pretax return on assets | 1.4361% | 1,614 |
| Return on Equity (ROE) | 11.9624% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.5051% | 1,885 |
| Net charge-offs to loans | 0.0181% | 2,496 |
| Credit loss provision to net charge-offs | 1,888.3721% | 502 |
| Earnings coverage of net charge-offs (x) | 125.9535% | 675 |
| Efficiency ratio | 63.4819% | 2,828 |
| Assets per employee ($millions) | 4.5587% | 3,774 |
| Cash dividends to net income (ytd only)* | 45.6204% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,894 |
| Loan loss allowance to noncurrent loans | 124.3221% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 1,584 |
| Noncurrent loans to loans | 1.0982% | 1,372 |
| Net loans and leases to total assets | 65.8608% | 2,540 |
| Net loans and leases to deposits | 78.0605% | 2,527 |
| Net loans and leases to core deposits | 80.3620% | 2,811 |
| Total domestic deposits to total assets | 84.3714% | 2,686 |
| Equity capital to assets | 11.6899% | 1,883 |
| Core capital (leverage) ratio | 10.0180% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3664% | 1,703 |
| Memoranda: | ||
| Average total assets | $458,447,500 | 1,652 |
| Average earning assets | $427,092,750 | 1,644 |
| Average equity | $54,971,000 | 1,551 |
| Average total loans | $316,919,500 | 1,623 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 1,155 |
| Cost of funding earning assets | 0.6480% | 2,712 |
| Net interest margin | 4.1590% | 1,002 |
| Noninterest income to average assets | 0.6263% | 2,028 |
| Noninterest expense to average assets | 2.7356% | 2,271 |
| Loan and lease loss provision to assets | 0.3049% | 1,411 |
| Net operating income to assets | 1.4523% | 1,016 |
| Return on assets (ROA) | 1.5793% | 863 |
| Pretax return on assets | 1.5811% | 1,270 |
| Return on Equity (ROE) | 13.0527% | 1,085 |
| Retained earnings to average equity (ytd only) | 10.2896% | 739 |
| Net charge-offs to loans | 0.0242% | 2,233 |
| Credit loss provision to net charge-offs | 1,800.0000% | 528 |
| Earnings coverage of net charge-offs (x) | 103.8421% | 684 |
| Efficiency ratio | 60.8648% | 3,295 |
| Assets per employee ($millions) | 4.6913% | 3,540 |
| Cash dividends to net income (ytd only)* | 21.1685% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 1,999 |
| Loan loss allowance to noncurrent loans | 126.2482% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 1,716 |
| Noncurrent loans to loans | 1.0301% | 1,510 |
| Net loans and leases to total assets | 68.5792% | 2,252 |
| Net loans and leases to deposits | 82.8036% | 2,111 |
| Net loans and leases to core deposits | 85.8513% | 2,452 |
| Total domestic deposits to total assets | 82.8215% | 3,135 |
| Equity capital to assets | 11.9183% | 1,713 |
| Core capital (leverage) ratio | 10.5098% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4003% | 1,663 |
| Memoranda: | ||
| Average total assets | $448,670,333 | 1,662 |
| Average earning assets | $417,307,667 | 1,658 |
| Average equity | $54,287,667 | 1,548 |
| Average total loans | $313,992,000 | 1,622 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,308 |
| Cost of funding earning assets | 0.7215% | 2,830 |
| Net interest margin | 3.7796% | 2,051 |
| Noninterest income to average assets | 0.5589% | 2,234 |
| Noninterest expense to average assets | 2.8228% | 2,364 |
| Loan and lease loss provision to assets | 0.1180% | 2,214 |
| Net operating income to assets | 1.1380% | 1,727 |
| Return on assets (ROA) | 1.2330% | 1,525 |
| Pretax return on assets | 1.2348% | 2,086 |
| Return on Equity (ROE) | 10.1066% | 1,711 |
| Retained earnings to average equity (ytd only) | 4.4372% | 2,517 |
| Net charge-offs to loans | -0.0066% | 3,937 |
| Credit loss provision to net charge-offs | -2,560.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1751% | 2,487 |
| Assets per employee ($millions) | 4.4170% | 3,383 |
| Cash dividends to net income (ytd only)* | 56.0957% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,453 |
| Loan loss allowance to noncurrent loans | 87.7908% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 1,342 |
| Noncurrent loans to loans | 1.4125% | 1,126 |
| Net loans and leases to total assets | 68.7132% | 2,433 |
| Net loans and leases to deposits | 83.2074% | 2,313 |
| Net loans and leases to core deposits | 88.5620% | 2,479 |
| Total domestic deposits to total assets | 82.5806% | 3,241 |
| Equity capital to assets | 12.1833% | 1,931 |
| Core capital (leverage) ratio | 10.7990% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9612% | 1,920 |
| Memoranda: | ||
| Average total assets | $433,747,000 | 1,666 |
| Average earning assets | $404,166,500 | 1,657 |
| Average equity | $52,916,000 | 1,577 |
| Average total loans | $304,744,500 | 1,620 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 2,427 |
| Cost of funding earning assets | 0.7811% | 2,771 |
| Net interest margin | 3.8825% | 2,233 |
| Noninterest income to average assets | 0.5830% | 2,303 |
| Noninterest expense to average assets | 2.7243% | 2,819 |
| Loan and lease loss provision to assets | 0.1203% | 1,764 |
| Net operating income to assets | 1.3391% | 1,547 |
| Return on assets (ROA) | 1.3678% | 1,534 |
| Pretax return on assets | 1.3695% | 2,269 |
| Return on Equity (ROE) | 11.5889% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.6117% | 3,193 |
| Net charge-offs to loans | 0.0271% | 2,855 |
| Credit loss provision to net charge-offs | 630.8642% | 494 |
| Earnings coverage of net charge-offs (x) | 76.6296% | 823 |
| Efficiency ratio | 65.0920% | 2,917 |
| Assets per employee ($millions) | 4.3896% | 3,387 |
| Cash dividends to net income (ytd only)* | 68.8350% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,339 |
| Loan loss allowance to noncurrent loans | 90.7028% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 1,323 |
| Noncurrent loans to loans | 1.3420% | 1,112 |
| Net loans and leases to total assets | 70.1029% | 2,382 |
| Net loans and leases to deposits | 84.8244% | 2,232 |
| Net loans and leases to core deposits | 89.0715% | 2,507 |
| Total domestic deposits to total assets | 82.6447% | 3,320 |
| Equity capital to assets | 12.2168% | 2,001 |
| Core capital (leverage) ratio | 10.6459% | 2,813 |
| Tier 1 risk-based capital ratio | 13.8854% | 3,320 |
| Total risk-based capital ratio | 15.0220% | 3,288 |
| Memoranda: | ||
| Average total assets | $424,838,400 | 1,650 |
| Average earning assets | $394,179,800 | 1,653 |
| Average equity | $50,142,600 | 1,595 |
| Average total loans | $299,430,000 | 1,605 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 2,574 |
| Cost of funding earning assets | 0.7792% | 2,820 |
| Net interest margin | 3.8691% | 2,367 |
| Noninterest income to average assets | 0.5659% | 2,378 |
| Noninterest expense to average assets | 2.7401% | 2,752 |
| Loan and lease loss provision to assets | 0.1206% | 1,623 |
| Net operating income to assets | 1.2915% | 1,892 |
| Return on assets (ROA) | 1.3468% | 1,729 |
| Pretax return on assets | 1.3484% | 2,503 |
| Return on Equity (ROE) | 11.5122% | 1,802 |
| Retained earnings to average equity (ytd only) | 3.4598% | 3,678 |
| Net charge-offs to loans | 0.0112% | 2,965 |
| Credit loss provision to net charge-offs | 1,536.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 180.0936% | 472 |
| Efficiency ratio | 65.9661% | 2,730 |
| Assets per employee ($millions) | 4.2329% | 3,574 |
| Cash dividends to net income (ytd only)* | 69.9464% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,489 |
| Loan loss allowance to noncurrent loans | 81.4179% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 1,286 |
| Noncurrent loans to loans | 1.4772% | 1,027 |
| Net loans and leases to total assets | 69.2892% | 2,585 |
| Net loans and leases to deposits | 83.4242% | 2,517 |
| Net loans and leases to core deposits | 87.3627% | 2,795 |
| Total domestic deposits to total assets | 83.0565% | 3,149 |
| Equity capital to assets | 12.0839% | 2,193 |
| Core capital (leverage) ratio | 10.5494% | 3,058 |
| Tier 1 risk-based capital ratio | 13.9061% | 3,375 |
| Total risk-based capital ratio | 15.0372% | 3,339 |
| Memoranda: | ||
| Average total assets | $424,600,500 | 1,659 |
| Average earning assets | $393,739,000 | 1,666 |
| Average equity | $49,673,750 | 1,613 |
| Average total loans | $298,745,250 | 1,619 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 2,645 |
| Cost of funding earning assets | 0.7399% | 2,947 |
| Net interest margin | 3.8700% | 2,343 |
| Noninterest income to average assets | 0.5283% | 2,523 |
| Noninterest expense to average assets | 2.7232% | 2,830 |
| Loan and lease loss provision to assets | 0.1209% | 1,551 |
| Net operating income to assets | 1.2681% | 1,885 |
| Return on assets (ROA) | 1.3517% | 1,633 |
| Pretax return on assets | 1.3535% | 2,373 |
| Return on Equity (ROE) | 11.6830% | 1,701 |
| Retained earnings to average equity (ytd only) | 3.5216% | 3,484 |
| Net charge-offs to loans | 0.0047% | 2,998 |
| Credit loss provision to net charge-offs | 3,657.1429% | 107 |
| Earnings coverage of net charge-offs (x) | 420.8571% | 181 |
| Efficiency ratio | 66.1923% | 2,786 |
| Assets per employee ($millions) | 4.3865% | 3,303 |
| Cash dividends to net income (ytd only)* | 69.8568% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,672 |
| Loan loss allowance to noncurrent loans | 88.3304% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 1,502 |
| Noncurrent loans to loans | 1.3238% | 1,186 |
| Net loans and leases to total assets | 68.7552% | 2,714 |
| Net loans and leases to deposits | 84.0904% | 2,487 |
| Net loans and leases to core deposits | 87.4018% | 2,856 |
| Total domestic deposits to total assets | 81.7635% | 3,588 |
| Equity capital to assets | 11.7726% | 2,363 |
| Core capital (leverage) ratio | 10.5587% | 3,025 |
| Tier 1 risk-based capital ratio | 13.9040% | 3,367 |
| Total risk-based capital ratio | 15.0126% | 3,339 |
| Memoranda: | ||
| Average total assets | $423,627,000 | 1,666 |
| Average earning assets | $392,502,670 | 1,665 |
| Average equity | $49,011,330 | 1,625 |
| Average total loans | $298,383,000 | 1,630 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 2,649 |
| Cost of funding earning assets | 0.7139% | 2,982 |
| Net interest margin | 3.8510% | 2,341 |
| Noninterest income to average assets | 0.4699% | 2,734 |
| Noninterest expense to average assets | 2.7111% | 2,877 |
| Loan and lease loss provision to assets | 0.1218% | 1,442 |
| Net operating income to assets | 1.2014% | 2,050 |
| Return on assets (ROA) | 1.3622% | 1,522 |
| Pretax return on assets | 1.3641% | 2,218 |
| Return on Equity (ROE) | 11.8806% | 1,580 |
| Retained earnings to average equity (ytd only) | 3.5841% | 3,484 |
| Net charge-offs to loans | 0.0054% | 2,514 |
| Credit loss provision to net charge-offs | 3,200.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 348.2500% | 228 |
| Efficiency ratio | 67.1695% | 2,768 |
| Assets per employee ($millions) | 4.4120% | 3,309 |
| Cash dividends to net income (ytd only)* | 69.8324% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,909 |
| Loan loss allowance to noncurrent loans | 98.4526% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 1,742 |
| Noncurrent loans to loans | 1.1574% | 1,443 |
| Net loans and leases to total assets | 69.0731% | 2,613 |
| Net loans and leases to deposits | 82.1341% | 2,597 |
| Net loans and leases to core deposits | 85.9326% | 2,875 |
| Total domestic deposits to total assets | 84.0979% | 3,021 |
| Equity capital to assets | 11.5726% | 2,330 |
| Core capital (leverage) ratio | 10.5963% | 2,945 |
| Tier 1 risk-based capital ratio | 14.2291% | 3,229 |
| Total risk-based capital ratio | 15.3352% | 3,222 |
| Memoranda: | ||
| Average total assets | $420,500,500 | 1,682 |
| Average earning assets | $389,409,000 | 1,688 |
| Average equity | $48,213,000 | 1,634 |
| Average total loans | $298,043,500 | 1,648 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 2,257 |
| Cost of funding earning assets | 0.5735% | 2,896 |
| Net interest margin | 3.9864% | 2,031 |
| Noninterest income to average assets | 0.5600% | 2,491 |
| Noninterest expense to average assets | 2.7384% | 2,898 |
| Loan and lease loss provision to assets | 0.1247% | 1,766 |
| Net operating income to assets | 1.3913% | 1,459 |
| Return on assets (ROA) | 1.3798% | 1,492 |
| Pretax return on assets | 1.3827% | 2,199 |
| Return on Equity (ROE) | 12.2355% | 1,635 |
| Retained earnings to average equity (ytd only) | 3.5763% | 3,619 |
| Net charge-offs to loans | 0.1573% | 1,223 |
| Credit loss provision to net charge-offs | 110.1293% | 2,337 |
| Earnings coverage of net charge-offs (x) | 13.4095% | 2,460 |
| Efficiency ratio | 64.3213% | 3,140 |
| Assets per employee ($millions) | 4.3484% | 3,387 |
| Cash dividends to net income (ytd only)* | 70.7714% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,212 |
| Loan loss allowance to noncurrent loans | 151.7757% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,523 |
| Noncurrent loans to loans | 0.7130% | 2,206 |
| Net loans and leases to total assets | 71.1241% | 2,408 |
| Net loans and leases to deposits | 84.4801% | 2,461 |
| Net loans and leases to core deposits | 88.7052% | 2,682 |
| Total domestic deposits to total assets | 84.1904% | 2,939 |
| Equity capital to assets | 11.3571% | 2,363 |
| Core capital (leverage) ratio | 10.3894% | 3,152 |
| Tier 1 risk-based capital ratio | 13.9536% | 3,313 |
| Total risk-based capital ratio | 15.0117% | 3,334 |
| Memoranda: | ||
| Average total assets | $409,621,600 | 1,672 |
| Average earning assets | $379,920,400 | 1,672 |
| Average equity | $46,193,600 | 1,622 |
| Average total loans | $295,053,800 | 1,612 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 2,251 |
| Cost of funding earning assets | 0.5374% | 2,948 |
| Net interest margin | 3.9770% | 2,020 |
| Noninterest income to average assets | 0.5560% | 2,541 |
| Noninterest expense to average assets | 2.7385% | 2,847 |
| Loan and lease loss provision to assets | 0.1256% | 1,602 |
| Net operating income to assets | 1.3799% | 1,551 |
| Return on assets (ROA) | 1.3727% | 1,584 |
| Pretax return on assets | 1.3759% | 2,318 |
| Return on Equity (ROE) | 12.1942% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.4778% | 4,026 |
| Net charge-offs to loans | 0.1207% | 1,303 |
| Credit loss provision to net charge-offs | 144.3609% | 1,764 |
| Earnings coverage of net charge-offs (x) | 17.3420% | 2,115 |
| Efficiency ratio | 64.4771% | 3,109 |
| Assets per employee ($millions) | 4.2241% | 3,540 |
| Cash dividends to net income (ytd only)* | 71.4796% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,145 |
| Loan loss allowance to noncurrent loans | 160.0289% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 2,593 |
| Noncurrent loans to loans | 0.6920% | 2,348 |
| Net loans and leases to total assets | 71.6013% | 2,392 |
| Net loans and leases to deposits | 85.0575% | 2,466 |
| Net loans and leases to core deposits | 89.3537% | 2,713 |
| Total domestic deposits to total assets | 84.1799% | 2,882 |
| Equity capital to assets | 11.1265% | 2,538 |
| Core capital (leverage) ratio | 10.3990% | 3,189 |
| Tier 1 risk-based capital ratio | 13.9834% | 3,382 |
| Total risk-based capital ratio | 15.0797% | 3,360 |
| Memoranda: | ||
| Average total assets | $407,665,000 | 1,690 |
| Average earning assets | $378,367,750 | 1,688 |
| Average equity | $45,889,500 | 1,639 |
| Average total loans | $293,778,750 | 1,627 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 2,344 |
| Cost of funding earning assets | 0.5011% | 3,003 |
| Net interest margin | 3.9217% | 2,133 |
| Noninterest income to average assets | 0.5444% | 2,603 |
| Noninterest expense to average assets | 2.7527% | 2,838 |
| Loan and lease loss provision to assets | 0.1262% | 1,570 |
| Net operating income to assets | 1.3048% | 1,754 |
| Return on assets (ROA) | 1.3029% | 1,760 |
| Pretax return on assets | 1.3068% | 2,478 |
| Return on Equity (ROE) | 11.5289% | 1,900 |
| Retained earnings to average equity (ytd only) | 2.8015% | 4,133 |
| Net charge-offs to loans | 0.1069% | 1,296 |
| Credit loss provision to net charge-offs | 164.1026% | 1,490 |
| Earnings coverage of net charge-offs (x) | 18.6538% | 1,890 |
| Efficiency ratio | 65.7325% | 3,026 |
| Assets per employee ($millions) | 4.2432% | 3,510 |
| Cash dividends to net income (ytd only)* | 75.7002% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,121 |
| Loan loss allowance to noncurrent loans | 139.7544% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,348 |
| Noncurrent loans to loans | 0.8050% | 2,119 |
| Net loans and leases to total assets | 71.2196% | 2,407 |
| Net loans and leases to deposits | 83.7851% | 2,561 |
| Net loans and leases to core deposits | 88.0739% | 2,713 |
| Total domestic deposits to total assets | 85.0027% | 2,672 |
| Equity capital to assets | 11.2536% | 2,401 |
| Core capital (leverage) ratio | 10.3861% | 3,152 |
| Tier 1 risk-based capital ratio | 14.1913% | 3,271 |
| Total risk-based capital ratio | 15.3137% | 3,245 |
| Memoranda: | ||
| Average total assets | $405,564,670 | 1,702 |
| Average earning assets | $376,770,670 | 1,702 |
| Average equity | $45,832,670 | 1,640 |
| Average total loans | $291,797,000 | 1,640 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 2,471 |
| Cost of funding earning assets | 0.4711% | 3,028 |
| Net interest margin | 3.8401% | 2,261 |
| Noninterest income to average assets | 0.5436% | 2,559 |
| Noninterest expense to average assets | 2.7696% | 2,809 |
| Loan and lease loss provision to assets | 0.1265% | 1,488 |
| Net operating income to assets | 1.2109% | 1,958 |
| Return on assets (ROA) | 1.2109% | 1,968 |
| Pretax return on assets | 1.2168% | 2,688 |
| Return on Equity (ROE) | 10.6920% | 2,088 |
| Retained earnings to average equity (ytd only) | 1.9638% | 4,358 |
| Net charge-offs to loans | 0.2158% | 692 |
| Credit loss provision to net charge-offs | 81.5287% | 1,734 |
| Earnings coverage of net charge-offs (x) | 8.6561% | 2,017 |
| Efficiency ratio | 67.3396% | 2,947 |
| Assets per employee ($millions) | 4.1501% | 3,726 |
| Cash dividends to net income (ytd only)* | 81.6327% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,457 |
| Loan loss allowance to noncurrent loans | 129.0480% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 2,380 |
| Noncurrent loans to loans | 0.8437% | 2,125 |
| Net loans and leases to total assets | 70.8495% | 2,354 |
| Net loans and leases to deposits | 84.3792% | 2,351 |
| Net loans and leases to core deposits | 93.1565% | 2,194 |
| Total domestic deposits to total assets | 83.9656% | 3,340 |
| Equity capital to assets | 11.2138% | 2,377 |
| Core capital (leverage) ratio | 10.3497% | 3,119 |
| Tier 1 risk-based capital ratio | 14.2159% | 3,272 |
| Total risk-based capital ratio | 15.3088% | 3,264 |
| Memoranda: | ||
| Average total assets | $404,673,500 | 1,714 |
| Average earning assets | $376,139,000 | 1,717 |
| Average equity | $45,828,500 | 1,648 |
| Average total loans | $290,989,500 | 1,650 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,336 |
| Cost of funding earning assets | 0.3826% | 3,409 |
| Net interest margin | 3.9156% | 2,042 |
| Noninterest income to average assets | 0.6137% | 2,389 |
| Noninterest expense to average assets | 2.6859% | 3,175 |
| Loan and lease loss provision to assets | 0.1283% | 1,788 |
| Net operating income to assets | 1.4218% | 971 |
| Return on assets (ROA) | 1.4261% | 977 |
| Pretax return on assets | 1.4273% | 1,900 |
| Return on Equity (ROE) | 12.4184% | 1,099 |
| Retained earnings to average equity (ytd only) | 3.6715% | 3,043 |
| Net charge-offs to loans | 0.0753% | 2,373 |
| Credit loss provision to net charge-offs | 239.9061% | 1,160 |
| Earnings coverage of net charge-offs (x) | 29.0047% | 1,582 |
| Efficiency ratio | 63.3875% | 3,698 |
| Assets per employee ($millions) | 4.0671% | 3,861 |
| Cash dividends to net income (ytd only)* | 70.4349% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,351 |
| Loan loss allowance to noncurrent loans | 110.2273% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 1,996 |
| Noncurrent loans to loans | 0.9991% | 1,773 |
| Net loans and leases to total assets | 71.3929% | 2,320 |
| Net loans and leases to deposits | 85.7108% | 2,298 |
| Net loans and leases to core deposits | 95.1044% | 2,110 |
| Total domestic deposits to total assets | 83.2950% | 3,468 |
| Equity capital to assets | 11.4370% | 2,245 |
| Core capital (leverage) ratio | 10.3356% | 3,036 |
| Tier 1 risk-based capital ratio | 14.0736% | 3,322 |
| Total risk-based capital ratio | 15.1710% | 3,315 |
| Memoranda: | ||
| Average total assets | $398,228,600 | 1,709 |
| Average earning assets | $368,524,000 | 1,714 |
| Average equity | $45,730,400 | 1,641 |
| Average total loans | $282,852,400 | 1,642 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,325 |
| Cost of funding earning assets | 0.3625% | 3,530 |
| Net interest margin | 3.9158% | 1,985 |
| Noninterest income to average assets | 0.6325% | 2,301 |
| Noninterest expense to average assets | 2.7312% | 2,953 |
| Loan and lease loss provision to assets | 0.1289% | 1,677 |
| Net operating income to assets | 1.3906% | 1,109 |
| Return on assets (ROA) | 1.3963% | 1,119 |
| Pretax return on assets | 1.3973% | 2,128 |
| Return on Equity (ROE) | 12.1471% | 1,295 |
| Retained earnings to average equity (ytd only) | 7.7660% | 1,317 |
| Net charge-offs to loans | 0.0930% | 1,860 |
| Credit loss provision to net charge-offs | 195.9184% | 1,364 |
| Earnings coverage of net charge-offs (x) | 23.1069% | 1,831 |
| Efficiency ratio | 64.2372% | 3,496 |
| Assets per employee ($millions) | 4.0287% | 3,940 |
| Cash dividends to net income (ytd only)* | 36.0664% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,635 |
| Loan loss allowance to noncurrent loans | 103.7609% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 2,168 |
| Noncurrent loans to loans | 1.0361% | 1,866 |
| Net loans and leases to total assets | 70.5745% | 2,474 |
| Net loans and leases to deposits | 85.4090% | 2,376 |
| Net loans and leases to core deposits | 94.2772% | 2,250 |
| Total domestic deposits to total assets | 82.6312% | 3,576 |
| Equity capital to assets | 11.7591% | 2,148 |
| Core capital (leverage) ratio | 10.6944% | 2,774 |
| Tier 1 risk-based capital ratio | 14.5843% | 3,141 |
| Total risk-based capital ratio | 15.6568% | 3,154 |
| Memoranda: | ||
| Average total assets | $397,125,500 | 1,725 |
| Average earning assets | $367,053,000 | 1,733 |
| Average equity | $45,650,500 | 1,661 |
| Average total loans | $280,901,000 | 1,662 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 2,430 |
| Cost of funding earning assets | 0.3250% | 3,846 |
| Net interest margin | 3.8865% | 1,985 |
| Noninterest income to average assets | 0.5663% | 2,629 |
| Noninterest expense to average assets | 2.7423% | 2,951 |
| Loan and lease loss provision to assets | 0.1296% | 1,605 |
| Net operating income to assets | 1.2884% | 1,324 |
| Return on assets (ROA) | 1.2965% | 1,328 |
| Pretax return on assets | 1.2975% | 2,395 |
| Return on Equity (ROE) | 11.3675% | 1,506 |
| Retained earnings to average equity (ytd only) | 6.9305% | 1,628 |
| Net charge-offs to loans | 0.0280% | 2,650 |
| Credit loss provision to net charge-offs | 656.4103% | 524 |
| Earnings coverage of net charge-offs (x) | 71.8974% | 827 |
| Efficiency ratio | 65.9005% | 3,370 |
| Assets per employee ($millions) | 4.0624% | 3,859 |
| Cash dividends to net income (ytd only)* | 39.0320% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,498 |
| Loan loss allowance to noncurrent loans | 93.2457% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 1,919 |
| Noncurrent loans to loans | 1.1953% | 1,630 |
| Net loans and leases to total assets | 70.2469% | 2,490 |
| Net loans and leases to deposits | 85.1778% | 2,331 |
| Net loans and leases to core deposits | 94.4441% | 2,114 |
| Total domestic deposits to total assets | 82.4709% | 3,741 |
| Equity capital to assets | 11.7286% | 2,130 |
| Core capital (leverage) ratio | 10.5392% | 2,871 |
| Tier 1 risk-based capital ratio | 14.6776% | 3,076 |
| Total risk-based capital ratio | 15.7976% | 3,059 |
| Memoranda: | ||
| Average total assets | $395,210,330 | 1,740 |
| Average earning assets | $365,572,670 | 1,743 |
| Average equity | $45,076,000 | 1,678 |
| Average total loans | $278,730,000 | 1,669 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,311 |
| Cost of funding earning assets | 0.3260% | 3,791 |
| Net interest margin | 3.8618% | 1,913 |
| Noninterest income to average assets | 0.5205% | 2,836 |
| Noninterest expense to average assets | 2.7975% | 2,802 |
| Loan and lease loss provision to assets | 0.1294% | 1,486 |
| Net operating income to assets | 1.1602% | 1,626 |
| Return on assets (ROA) | 1.1622% | 1,659 |
| Pretax return on assets | 1.1632% | 2,727 |
| Return on Equity (ROE) | 10.3358% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.8420% | 2,413 |
| Net charge-offs to loans | -0.0173% | 4,664 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4302% | 3,135 |
| Assets per employee ($millions) | 4.0378% | 3,947 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,793 |
| Loan loss allowance to noncurrent loans | 79.4102% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 1,762 |
| Noncurrent loans to loans | 1.3663% | 1,474 |
| Net loans and leases to total assets | 70.1117% | 2,360 |
| Net loans and leases to deposits | 84.6903% | 2,194 |
| Net loans and leases to core deposits | 93.2761% | 2,035 |
| Total domestic deposits to total assets | 82.7859% | 3,921 |
| Equity capital to assets | 11.3642% | 2,293 |
| Core capital (leverage) ratio | 10.2390% | 3,207 |
| Tier 1 risk-based capital ratio | 14.3890% | 3,266 |
| Total risk-based capital ratio | 15.4854% | 3,260 |
| Memoranda: | ||
| Average total assets | $395,789,000 | 1,750 |
| Average earning assets | $365,630,500 | 1,752 |
| Average equity | $44,505,500 | 1,697 |
| Average total loans | $278,130,000 | 1,685 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 866 |
| Cost of funding earning assets | 0.3748% | 3,269 |
| Net interest margin | 4.4390% | 714 |
| Noninterest income to average assets | 0.7282% | 2,042 |
| Noninterest expense to average assets | 3.8367% | 746 |
| Loan and lease loss provision to assets | 0.1038% | 2,309 |
| Net operating income to assets | 0.8950% | 2,855 |
| Return on assets (ROA) | 0.9739% | 2,575 |
| Pretax return on assets | 0.9754% | 3,557 |
| Return on Equity (ROE) | 9.3599% | 2,246 |
| Retained earnings to average equity (ytd only) | 0.4559% | 5,142 |
| Net charge-offs to loans | 0.0309% | 3,401 |
| Credit loss provision to net charge-offs | 528.3019% | 631 |
| Earnings coverage of net charge-offs (x) | 50.9245% | 998 |
| Efficiency ratio | 78.7772% | 1,579 |
| Assets per employee ($millions) | 4.0812% | 3,828 |
| Cash dividends to net income (ytd only)* | 95.1294% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,993 |
| Loan loss allowance to noncurrent loans | 93.5245% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 1,729 |
| Noncurrent loans to loans | 1.1255% | 1,830 |
| Net loans and leases to total assets | 68.9308% | 2,633 |
| Net loans and leases to deposits | 83.5421% | 2,474 |
| Net loans and leases to core deposits | 91.8507% | 2,316 |
| Total domestic deposits to total assets | 82.5103% | 3,933 |
| Equity capital to assets | 11.1254% | 2,509 |
| Core capital (leverage) ratio | 9.8955% | 3,630 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,180 |
| Total risk-based capital ratio | 15.6059% | 3,186 |
| Memoranda: | ||
| Average total assets | $269,842,000 | 2,364 |
| Average earning assets | $249,762,200 | 2,357 |
| Average equity | $28,077,200 | 2,508 |
| Average total loans | $171,628,200 | 2,396 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 4,270 |
| Cost of funding earning assets | 0.3060% | 4,032 |
| Net interest margin | 3.3877% | 3,897 |
| Noninterest income to average assets | 0.7155% | 2,099 |
| Noninterest expense to average assets | 3.1031% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7502% | 3,606 |
| Return on assets (ROA) | 0.8643% | 3,209 |
| Pretax return on assets | 0.8660% | 4,095 |
| Return on Equity (ROE) | 8.5526% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.5705% | 3,753 |
| Net charge-offs to loans | 0.0394% | 2,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 31.2569% | 1,448 |
| Efficiency ratio | 80.4963% | 1,378 |
| Assets per employee ($millions) | 3.4758% | 4,805 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 1,102 |
| Loan loss allowance to noncurrent loans | 152.1739% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 2,194 |
| Noncurrent loans to loans | 1.1497% | 1,955 |
| Net loans and leases to total assets | 60.5883% | 3,805 |
| Net loans and leases to deposits | 72.5382% | 3,750 |
| Net loans and leases to core deposits | 84.5633% | 3,071 |
| Total domestic deposits to total assets | 83.5261% | 3,387 |
| Equity capital to assets | 10.1243% | 4,005 |
| Core capital (leverage) ratio | 10.0335% | 3,531 |
| Tier 1 risk-based capital ratio | 16.1489% | 2,567 |
| Total risk-based capital ratio | 17.4055% | 2,515 |
| Memoranda: | ||
| Average total assets | $238,333,000 | 2,602 |
| Average earning assets | $220,873,750 | 2,599 |
| Average equity | $24,085,750 | 2,813 |
| Average total loans | $145,589,000 | 2,700 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 4,565 |
| Cost of funding earning assets | 0.3110% | 4,006 |
| Net interest margin | 3.2965% | 4,251 |
| Noninterest income to average assets | 0.6896% | 2,190 |
| Noninterest expense to average assets | 3.1241% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6186% | 4,196 |
| Return on assets (ROA) | 0.7783% | 3,556 |
| Pretax return on assets | 0.7791% | 4,354 |
| Return on Equity (ROE) | 7.7060% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.6858% | 4,190 |
| Net charge-offs to loans | 0.0652% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.5957% | 1,980 |
| Efficiency ratio | 83.4537% | 1,096 |
| Assets per employee ($millions) | 3.5466% | 4,680 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 1,133 |
| Loan loss allowance to noncurrent loans | 152.4724% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 2,088 |
| Noncurrent loans to loans | 1.1625% | 1,971 |
| Net loans and leases to total assets | 61.1278% | 3,735 |
| Net loans and leases to deposits | 73.6520% | 3,634 |
| Net loans and leases to core deposits | 86.3251% | 2,868 |
| Total domestic deposits to total assets | 82.9955% | 3,656 |
| Equity capital to assets | 10.3171% | 3,836 |
| Core capital (leverage) ratio | 10.0855% | 3,466 |
| Tier 1 risk-based capital ratio | 16.0320% | 2,626 |
| Total risk-based capital ratio | 17.2885% | 2,563 |
| Memoranda: | ||
| Average total assets | $236,675,330 | 2,627 |
| Average earning assets | $219,262,670 | 2,622 |
| Average equity | $23,903,330 | 2,840 |
| Average total loans | $144,105,330 | 2,720 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 4,638 |
| Cost of funding earning assets | 0.3179% | 3,972 |
| Net interest margin | 3.2727% | 4,324 |
| Noninterest income to average assets | 0.6554% | 2,237 |
| Noninterest expense to average assets | 3.0144% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6740% | 3,855 |
| Return on assets (ROA) | 0.7604% | 3,545 |
| Pretax return on assets | 0.7604% | 4,338 |
| Return on Equity (ROE) | 7.6111% | 3,124 |
| Retained earnings to average equity (ytd only) | 2.5257% | 4,242 |
| Net charge-offs to loans | 0.1069% | 1,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.4737% | 1,920 |
| Efficiency ratio | 81.7264% | 1,395 |
| Assets per employee ($millions) | 3.5117% | 4,791 |
| Cash dividends to net income (ytd only)* | 66.8151% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 1,089 |
| Loan loss allowance to noncurrent loans | 140.9432% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 1,932 |
| Noncurrent loans to loans | 1.3001% | 1,853 |
| Net loans and leases to total assets | 59.0029% | 3,919 |
| Net loans and leases to deposits | 71.1380% | 3,735 |
| Net loans and leases to core deposits | 81.8925% | 3,135 |
| Total domestic deposits to total assets | 82.9414% | 3,922 |
| Equity capital to assets | 10.0722% | 3,985 |
| Core capital (leverage) ratio | 10.0383% | 3,492 |
| Tier 1 risk-based capital ratio | 16.2714% | 2,564 |
| Total risk-based capital ratio | 17.5286% | 2,520 |
| Memoranda: | ||
| Average total assets | $236,200,500 | 2,644 |
| Average earning assets | $218,905,000 | 2,637 |
| Average equity | $23,597,000 | 2,864 |
| Average total loans | $142,220,000 | 2,747 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,286 |
| Cost of funding earning assets | 0.3548% | 3,649 |
| Net interest margin | 3.3731% | 4,021 |
| Noninterest income to average assets | 0.7484% | 1,992 |
| Noninterest expense to average assets | 2.9077% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9427% | 2,648 |
| Return on assets (ROA) | 1.0096% | 2,403 |
| Pretax return on assets | 1.0134% | 3,407 |
| Return on Equity (ROE) | 10.0872% | 1,977 |
| Retained earnings to average equity (ytd only) | 1.5748% | 4,823 |
| Net charge-offs to loans | 0.1205% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.6971% | 2,440 |
| Efficiency ratio | 75.4421% | 2,364 |
| Assets per employee ($millions) | 3.4867% | 4,855 |
| Cash dividends to net income (ytd only)* | 84.3882% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 967 |
| Loan loss allowance to noncurrent loans | 179.0604% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 2,133 |
| Noncurrent loans to loans | 1.0574% | 2,222 |
| Net loans and leases to total assets | 59.1791% | 3,942 |
| Net loans and leases to deposits | 72.7082% | 3,648 |
| Net loans and leases to core deposits | 82.7934% | 3,067 |
| Total domestic deposits to total assets | 81.3926% | 4,376 |
| Equity capital to assets | 9.9064% | 4,065 |
| Core capital (leverage) ratio | 9.9286% | 3,607 |
| Tier 1 risk-based capital ratio | 16.5055% | 2,476 |
| Total risk-based capital ratio | 17.7636% | 2,429 |
| Memoranda: | ||
| Average total assets | $234,756,200 | 2,627 |
| Average earning assets | $216,153,800 | 2,621 |
| Average equity | $23,495,200 | 2,834 |
| Average total loans | $145,268,400 | 2,665 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,295 |
| Cost of funding earning assets | 0.3634% | 3,618 |
| Net interest margin | 3.3758% | 4,050 |
| Noninterest income to average assets | 0.7272% | 2,121 |
| Noninterest expense to average assets | 2.9390% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8872% | 3,009 |
| Return on assets (ROA) | 0.9666% | 2,722 |
| Pretax return on assets | 0.9711% | 3,737 |
| Return on Equity (ROE) | 9.6336% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.5454% | 3,237 |
| Net charge-offs to loans | 0.0228% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 62.8848% | 885 |
| Efficiency ratio | 76.7215% | 2,125 |
| Assets per employee ($millions) | 3.4568% | 4,878 |
| Cash dividends to net income (ytd only)* | 52.8170% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 986 |
| Loan loss allowance to noncurrent loans | 196.6504% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 2,445 |
| Noncurrent loans to loans | 0.9942% | 2,500 |
| Net loans and leases to total assets | 60.1186% | 3,870 |
| Net loans and leases to deposits | 72.4411% | 3,715 |
| Net loans and leases to core deposits | 82.5087% | 3,198 |
| Total domestic deposits to total assets | 82.9896% | 3,829 |
| Equity capital to assets | 10.2165% | 3,910 |
| Core capital (leverage) ratio | 10.0517% | 3,554 |
| Tier 1 risk-based capital ratio | 16.9271% | 2,406 |
| Total risk-based capital ratio | 18.1866% | 2,350 |
| Memoranda: | ||
| Average total assets | $235,043,750 | 2,638 |
| Average earning assets | $216,078,500 | 2,639 |
| Average equity | $23,583,500 | 2,847 |
| Average total loans | $146,357,000 | 2,658 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 4,273 |
| Cost of funding earning assets | 0.3727% | 3,572 |
| Net interest margin | 3.3685% | 4,020 |
| Noninterest income to average assets | 0.7548% | 1,975 |
| Noninterest expense to average assets | 2.9348% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9069% | 2,836 |
| Return on assets (ROA) | 0.9743% | 2,625 |
| Pretax return on assets | 0.9794% | 3,663 |
| Return on Equity (ROE) | 9.7698% | 2,174 |
| Retained earnings to average equity (ytd only) | 4.6502% | 3,081 |
| Net charge-offs to loans | 0.0272% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 53.5500% | 909 |
| Efficiency ratio | 76.3053% | 2,308 |
| Assets per employee ($millions) | 3.3125% | 5,141 |
| Cash dividends to net income (ytd only)* | 52.4017% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 1,111 |
| Loan loss allowance to noncurrent loans | 258.0439% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 2,221 |
| Noncurrent loans to loans | 0.7474% | 3,243 |
| Net loans and leases to total assets | 61.0403% | 3,687 |
| Net loans and leases to deposits | 74.2783% | 3,459 |
| Net loans and leases to core deposits | 86.0014% | 2,767 |
| Total domestic deposits to total assets | 82.1778% | 4,235 |
| Equity capital to assets | 9.9905% | 4,053 |
| Core capital (leverage) ratio | 9.9584% | 3,666 |
| Tier 1 risk-based capital ratio | 16.6308% | 2,549 |
| Total risk-based capital ratio | 17.8898% | 2,499 |
| Memoranda: | ||
| Average total assets | $235,037,670 | 2,657 |
| Average earning assets | $215,706,330 | 2,661 |
| Average equity | $23,439,670 | 2,874 |
| Average total loans | $147,098,000 | 2,658 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,066 |
| Cost of funding earning assets | 0.3808% | 3,517 |
| Net interest margin | 3.4047% | 3,825 |
| Noninterest income to average assets | 0.7252% | 2,045 |
| Noninterest expense to average assets | 2.8294% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0078% | 2,232 |
| Return on assets (ROA) | 1.0078% | 2,368 |
| Pretax return on assets | 1.0163% | 3,432 |
| Return on Equity (ROE) | 10.1147% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.9890% | 3,058 |
| Net charge-offs to loans | -0.0326% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5724% | 2,884 |
| Assets per employee ($millions) | 3.3132% | 5,219 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 1,187 |
| Loan loss allowance to noncurrent loans | 253.7778% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 2,134 |
| Noncurrent loans to loans | 0.7682% | 3,335 |
| Net loans and leases to total assets | 61.0377% | 3,523 |
| Net loans and leases to deposits | 72.9925% | 3,431 |
| Net loans and leases to core deposits | 84.6902% | 2,694 |
| Total domestic deposits to total assets | 83.6219% | 3,967 |
| Equity capital to assets | 10.1430% | 3,957 |
| Core capital (leverage) ratio | 9.8287% | 3,849 |
| Tier 1 risk-based capital ratio | 16.3579% | 2,751 |
| Total risk-based capital ratio | 17.6168% | 2,686 |
| Memoranda: | ||
| Average total assets | $234,964,500 | 2,675 |
| Average earning assets | $215,347,500 | 2,682 |
| Average equity | $23,411,500 | 2,891 |
| Average total loans | $147,457,000 | 2,656 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 4,158 |
| Cost of funding earning assets | 0.4129% | 3,568 |
| Net interest margin | 3.4768% | 3,877 |
| Noninterest income to average assets | 1.0210% | 1,171 |
| Noninterest expense to average assets | 3.1060% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0566% | 2,140 |
| Return on assets (ROA) | 1.0874% | 2,075 |
| Pretax return on assets | 1.0883% | 3,130 |
| Return on Equity (ROE) | 11.0970% | 1,698 |
| Retained earnings to average equity (ytd only) | 1.3550% | 5,168 |
| Net charge-offs to loans | -0.0221% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6014% | 2,732 |
| Assets per employee ($millions) | 3.3528% | 5,157 |
| Cash dividends to net income (ytd only)* | 87.7893% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 1,285 |
| Loan loss allowance to noncurrent loans | 255.6655% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 2,260 |
| Noncurrent loans to loans | 0.7489% | 3,454 |
| Net loans and leases to total assets | 62.0527% | 3,490 |
| Net loans and leases to deposits | 73.3588% | 3,507 |
| Net loans and leases to core deposits | 85.5247% | 2,732 |
| Total domestic deposits to total assets | 84.5880% | 3,460 |
| Equity capital to assets | 9.7842% | 4,379 |
| Core capital (leverage) ratio | 9.7407% | 3,915 |
| Tier 1 risk-based capital ratio | 16.7089% | 2,639 |
| Total risk-based capital ratio | 17.9689% | 2,585 |
| Memoranda: | ||
| Average total assets | $230,458,800 | 2,694 |
| Average earning assets | $208,296,400 | 2,723 |
| Average equity | $22,582,600 | 2,893 |
| Average total loans | $145,028,600 | 2,640 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,122 |
| Cost of funding earning assets | 0.4176% | 3,602 |
| Net interest margin | 3.4960% | 3,853 |
| Noninterest income to average assets | 0.9230% | 1,442 |
| Noninterest expense to average assets | 3.1083% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9666% | 2,614 |
| Return on assets (ROA) | 1.0020% | 2,506 |
| Pretax return on assets | 1.0032% | 3,581 |
| Return on Equity (ROE) | 10.2217% | 2,104 |
| Retained earnings to average equity (ytd only) | 4.8856% | 3,167 |
| Net charge-offs to loans | -0.0287% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2584% | 2,451 |
| Assets per employee ($millions) | 3.3324% | 5,179 |
| Cash dividends to net income (ytd only)* | 52.2042% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9790% | 1,293 |
| Loan loss allowance to noncurrent loans | 306.3578% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 2,593 |
| Noncurrent loans to loans | 0.6460% | 3,997 |
| Net loans and leases to total assets | 60.3672% | 3,723 |
| Net loans and leases to deposits | 71.4047% | 3,748 |
| Net loans and leases to core deposits | 87.5151% | 2,480 |
| Total domestic deposits to total assets | 84.5423% | 3,525 |
| Equity capital to assets | 9.9332% | 4,254 |
| Core capital (leverage) ratio | 9.9846% | 3,700 |
| Tier 1 risk-based capital ratio | 17.3132% | 2,467 |
| Total risk-based capital ratio | 18.5736% | 2,420 |
| Memoranda: | ||
| Average total assets | $229,400,000 | 2,724 |
| Average earning assets | $206,898,750 | 2,758 |
| Average equity | $22,487,500 | 2,903 |
| Average total loans | $144,166,500 | 2,666 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,951 |
| Cost of funding earning assets | 0.4229% | 3,625 |
| Net interest margin | 3.5217% | 3,694 |
| Noninterest income to average assets | 0.9083% | 1,471 |
| Noninterest expense to average assets | 3.1572% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9110% | 2,749 |
| Return on assets (ROA) | 0.9636% | 2,572 |
| Pretax return on assets | 0.9653% | 3,624 |
| Return on Equity (ROE) | 9.8744% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.4834% | 3,323 |
| Net charge-offs to loans | -0.0457% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5743% | 2,361 |
| Assets per employee ($millions) | 3.2981% | 5,253 |
| Cash dividends to net income (ytd only)* | 54.5951% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 1,418 |
| Loan loss allowance to noncurrent loans | 280.7502% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 2,630 |
| Noncurrent loans to loans | 0.7020% | 3,952 |
| Net loans and leases to total assets | 60.4100% | 3,650 |
| Net loans and leases to deposits | 71.1056% | 3,692 |
| Net loans and leases to core deposits | 87.1767% | 2,398 |
| Total domestic deposits to total assets | 84.9580% | 3,530 |
| Equity capital to assets | 9.7764% | 4,395 |
| Core capital (leverage) ratio | 10.1018% | 3,470 |
| Tier 1 risk-based capital ratio | 16.9479% | 2,641 |
| Total risk-based capital ratio | 18.2085% | 2,598 |
| Memoranda: | ||
| Average total assets | $228,110,330 | 2,746 |
| Average earning assets | $204,785,670 | 2,783 |
| Average equity | $22,259,670 | 2,918 |
| Average total loans | $144,335,000 | 2,666 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,909 |
| Cost of funding earning assets | 0.4356% | 3,591 |
| Net interest margin | 3.5103% | 3,645 |
| Noninterest income to average assets | 0.7873% | 1,810 |
| Noninterest expense to average assets | 3.1722% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7784% | 3,260 |
| Return on assets (ROA) | 0.7784% | 3,343 |
| Pretax return on assets | 0.7802% | 4,180 |
| Return on Equity (ROE) | 7.9843% | 2,938 |
| Retained earnings to average equity (ytd only) | 2.5156% | 4,562 |
| Net charge-offs to loans | -0.2965% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2608% | 2,169 |
| Assets per employee ($millions) | 3.3387% | 5,280 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 1,526 |
| Loan loss allowance to noncurrent loans | 260.5357% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 2,674 |
| Noncurrent loans to loans | 0.7653% | 3,953 |
| Net loans and leases to total assets | 62.2602% | 3,194 |
| Net loans and leases to deposits | 73.0991% | 3,189 |
| Net loans and leases to core deposits | 86.9919% | 2,193 |
| Total domestic deposits to total assets | 85.1724% | 3,791 |
| Equity capital to assets | 9.6351% | 4,311 |
| Core capital (leverage) ratio | 10.0841% | 3,448 |
| Tier 1 risk-based capital ratio | 16.5764% | 2,856 |
| Total risk-based capital ratio | 17.8371% | 2,826 |
| Memoranda: | ||
| Average total assets | $225,083,000 | 2,778 |
| Average earning assets | $202,947,500 | 2,822 |
| Average equity | $21,943,000 | 2,941 |
| Average total loans | $144,351,000 | 2,673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,703 |
| Cost of funding earning assets | 0.4964% | 3,650 |
| Net interest margin | 3.6121% | 3,414 |
| Noninterest income to average assets | 0.8610% | 1,825 |
| Noninterest expense to average assets | 3.2301% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8993% | 2,787 |
| Return on assets (ROA) | 0.9611% | 2,577 |
| Pretax return on assets | 0.9611% | 3,509 |
| Return on Equity (ROE) | 9.4710% | 2,335 |
| Retained earnings to average equity (ytd only) | 2.3600% | 4,564 |
| Net charge-offs to loans | -0.0245% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2219% | 2,436 |
| Assets per employee ($millions) | 3.0958% | 5,678 |
| Cash dividends to net income (ytd only)* | 75.0821% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 1,615 |
| Loan loss allowance to noncurrent loans | 330.7059% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2593% | 2,895 |
| Noncurrent loans to loans | 0.5971% | 4,494 |
| Net loans and leases to total assets | 63.4880% | 3,134 |
| Net loans and leases to deposits | 75.3155% | 3,053 |
| Net loans and leases to core deposits | 88.9117% | 2,143 |
| Total domestic deposits to total assets | 84.2961% | 4,052 |
| Equity capital to assets | 9.8681% | 3,942 |
| Core capital (leverage) ratio | 10.2286% | 3,253 |
| Tier 1 risk-based capital ratio | 17.0921% | 2,569 |
| Total risk-based capital ratio | 18.3530% | 2,539 |
| Memoranda: | ||
| Average total assets | $221,727,000 | 2,794 |
| Average earning assets | $200,632,800 | 2,817 |
| Average equity | $22,500,200 | 2,877 |
| Average total loans | $142,613,200 | 2,662 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,818 |
| Cost of funding earning assets | 0.5067% | 3,702 |
| Net interest margin | 3.5797% | 3,535 |
| Noninterest income to average assets | 0.8514% | 1,928 |
| Noninterest expense to average assets | 3.2335% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8562% | 3,068 |
| Return on assets (ROA) | 0.9384% | 2,757 |
| Pretax return on assets | 0.9384% | 3,727 |
| Return on Equity (ROE) | 9.1851% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.0741% | 3,025 |
| Net charge-offs to loans | 0.0607% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 21.9550% | 1,525 |
| Efficiency ratio | 79.0640% | 2,251 |
| Assets per employee ($millions) | 2.9973% | 5,852 |
| Cash dividends to net income (ytd only)* | 44.7571% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,146 |
| Loan loss allowance to noncurrent loans | 388.5387% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 3,118 |
| Noncurrent loans to loans | 0.4756% | 5,009 |
| Net loans and leases to total assets | 64.9513% | 2,811 |
| Net loans and leases to deposits | 77.8968% | 2,683 |
| Net loans and leases to core deposits | 91.2309% | 1,849 |
| Total domestic deposits to total assets | 83.3812% | 4,425 |
| Equity capital to assets | 9.9505% | 3,965 |
| Core capital (leverage) ratio | 10.3651% | 3,147 |
| Tier 1 risk-based capital ratio | 16.9553% | 2,725 |
| Total risk-based capital ratio | 18.2146% | 2,684 |
| Memoranda: | ||
| Average total assets | $222,209,000 | 2,813 |
| Average earning assets | $201,015,750 | 2,839 |
| Average equity | $22,702,750 | 2,880 |
| Average total loans | $142,677,250 | 2,670 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 3,812 |
| Cost of funding earning assets | 0.5188% | 3,713 |
| Net interest margin | 3.5631% | 3,510 |
| Noninterest income to average assets | 0.8284% | 2,072 |
| Noninterest expense to average assets | 3.2742% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7790% | 3,411 |
| Return on assets (ROA) | 0.9022% | 2,926 |
| Pretax return on assets | 0.9022% | 3,903 |
| Return on Equity (ROE) | 8.7546% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.7546% | 1,199 |
| Net charge-offs to loans | 0.7586% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.6157% | 3,984 |
| Efficiency ratio | 80.7812% | 2,049 |
| Assets per employee ($millions) | 3.0999% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,422 |
| Loan loss allowance to noncurrent loans | 180.3543% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.6696% | 2,605 |
| Noncurrent loans to loans | 0.8510% | 4,221 |
| Net loans and leases to total assets | 66.2240% | 2,552 |
| Net loans and leases to deposits | 79.9895% | 2,317 |
| Net loans and leases to core deposits | 93.6035% | 1,555 |
| Total domestic deposits to total assets | 82.7908% | 4,785 |
| Equity capital to assets | 10.5694% | 3,209 |
| Core capital (leverage) ratio | 10.5390% | 2,833 |
| Tier 1 risk-based capital ratio | 16.9019% | 2,745 |
| Total risk-based capital ratio | 18.1569% | 2,719 |
| Memoranda: | ||
| Average total assets | $222,346,330 | 2,816 |
| Average earning assets | $201,231,000 | 2,854 |
| Average equity | $22,913,670 | 2,873 |
| Average total loans | $141,312,330 | 2,698 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,967 |
| Cost of funding earning assets | 0.5417% | 3,653 |
| Net interest margin | 3.4946% | 3,721 |
| Noninterest income to average assets | 0.7999% | 2,122 |
| Noninterest expense to average assets | 3.2637% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6897% | 3,742 |
| Return on assets (ROA) | 0.8248% | 3,170 |
| Pretax return on assets | 0.8248% | 4,065 |
| Return on Equity (ROE) | 8.1037% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.1037% | 1,717 |
| Net charge-offs to loans | 0.9669% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1548% | 3,443 |
| Efficiency ratio | 82.5540% | 1,956 |
| Assets per employee ($millions) | 3.1294% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 2,736 |
| Loan loss allowance to noncurrent loans | 153.9432% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 2,278 |
| Noncurrent loans to loans | 1.1498% | 3,860 |
| Net loans and leases to total assets | 60.9430% | 3,260 |
| Net loans and leases to deposits | 73.3203% | 3,010 |
| Net loans and leases to core deposits | 85.6644% | 2,140 |
| Total domestic deposits to total assets | 83.1188% | 4,818 |
| Equity capital to assets | 10.3543% | 3,729 |
| Core capital (leverage) ratio | 10.1165% | 3,256 |
| Tier 1 risk-based capital ratio | 17.0873% | 2,706 |
| Total risk-based capital ratio | 18.3448% | 2,677 |
| Memoranda: | ||
| Average total assets | $225,022,500 | 2,821 |
| Average earning assets | $203,055,000 | 2,864 |
| Average equity | $22,903,000 | 2,936 |
| Average total loans | $138,997,500 | 2,744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,737 |
| Cost of funding earning assets | 0.7003% | 3,491 |
| Net interest margin | 3.7189% | 3,562 |
| Noninterest income to average assets | 0.7759% | 2,363 |
| Noninterest expense to average assets | 3.3986% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7321% | 3,595 |
| Return on assets (ROA) | 0.8270% | 3,408 |
| Pretax return on assets | 0.8270% | 4,194 |
| Return on Equity (ROE) | 8.2536% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.2536% | 1,048 |
| Net charge-offs to loans | 1.0885% | 975 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.0382% | 4,953 |
| Efficiency ratio | 82.2762% | 1,829 |
| Assets per employee ($millions) | 3.1647% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 2,070 |
| Loan loss allowance to noncurrent loans | 65.6575% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.8900% | 1,647 |
| Noncurrent loans to loans | 3.0168% | 1,721 |
| Net loans and leases to total assets | 60.2883% | 3,553 |
| Net loans and leases to deposits | 71.1328% | 3,544 |
| Net loans and leases to core deposits | 85.2691% | 2,397 |
| Total domestic deposits to total assets | 84.7545% | 3,962 |
| Equity capital to assets | 10.0063% | 4,155 |
| Core capital (leverage) ratio | 9.8962% | 3,551 |
| Tier 1 risk-based capital ratio | 16.3444% | 2,970 |
| Total risk-based capital ratio | 17.6043% | 2,920 |
| Memoranda: | ||
| Average total assets | $219,092,800 | 2,848 |
| Average earning assets | $197,638,000 | 2,868 |
| Average equity | $21,954,000 | 2,975 |
| Average total loans | $141,935,400 | 2,691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 3,560 |
| Cost of funding earning assets | 0.7392% | 3,441 |
| Net interest margin | 3.7804% | 3,419 |
| Noninterest income to average assets | 0.6430% | 3,030 |
| Noninterest expense to average assets | 3.3710% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6860% | 3,975 |
| Return on assets (ROA) | 0.8120% | 3,631 |
| Pretax return on assets | 0.8120% | 4,438 |
| Return on Equity (ROE) | 8.1007% | 3,240 |
| Retained earnings to average equity (ytd only) | 8.1007% | 1,577 |
| Net charge-offs to loans | 1.4374% | 617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.7270% | 4,965 |
| Efficiency ratio | 83.0909% | 1,692 |
| Assets per employee ($millions) | 2.8863% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9729% | 2,252 |
| Loan loss allowance to noncurrent loans | 100.2880% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 3.1680% | 1,631 |
| Noncurrent loans to loans | 1.9673% | 2,873 |
| Net loans and leases to total assets | 63.9453% | 3,033 |
| Net loans and leases to deposits | 75.6776% | 3,032 |
| Net loans and leases to core deposits | 91.4529% | 1,834 |
| Total domestic deposits to total assets | 84.4970% | 3,979 |
| Equity capital to assets | 10.3823% | 3,971 |
| Core capital (leverage) ratio | 10.0526% | 3,469 |
| Tier 1 risk-based capital ratio | 15.8385% | 3,356 |
| Total risk-based capital ratio | 17.0982% | 3,320 |
| Memoranda: | ||
| Average total assets | $216,901,750 | 2,894 |
| Average earning assets | $195,882,750 | 2,913 |
| Average equity | $21,742,500 | 3,032 |
| Average total loans | $142,382,500 | 2,725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 3,601 |
| Cost of funding earning assets | 0.7798% | 3,367 |
| Net interest margin | 3.7614% | 3,531 |
| Noninterest income to average assets | 0.6625% | 2,881 |
| Noninterest expense to average assets | 3.3661% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6920% | 3,908 |
| Return on assets (ROA) | 0.8809% | 3,250 |
| Pretax return on assets | 0.8809% | 4,154 |
| Return on Equity (ROE) | 8.8937% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.8937% | 1,310 |
| Net charge-offs to loans | 1.9850% | 425 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5300% | 4,805 |
| Efficiency ratio | 82.9473% | 1,753 |
| Assets per employee ($millions) | 2.8924% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 2,026 |
| Loan loss allowance to noncurrent loans | 74.6338% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 3.3315% | 1,619 |
| Noncurrent loans to loans | 2.7935% | 2,139 |
| Net loans and leases to total assets | 62.8699% | 3,257 |
| Net loans and leases to deposits | 74.5302% | 3,204 |
| Net loans and leases to core deposits | 90.2393% | 1,960 |
| Total domestic deposits to total assets | 84.3550% | 4,164 |
| Equity capital to assets | 10.0990% | 4,187 |
| Core capital (leverage) ratio | 9.8646% | 3,631 |
| Tier 1 risk-based capital ratio | 15.7749% | 3,289 |
| Total risk-based capital ratio | 17.0363% | 3,257 |
| Memoranda: | ||
| Average total assets | $217,044,330 | 2,903 |
| Average earning assets | $195,938,000 | 2,921 |
| Average equity | $21,498,330 | 3,044 |
| Average total loans | $142,773,000 | 2,726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 3,410 |
| Cost of funding earning assets | 0.8163% | 3,340 |
| Net interest margin | 3.8041% | 3,377 |
| Noninterest income to average assets | 0.7628% | 2,332 |
| Noninterest expense to average assets | 3.4417% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7554% | 3,596 |
| Return on assets (ROA) | 0.9120% | 3,082 |
| Pretax return on assets | 0.9120% | 3,990 |
| Return on Equity (ROE) | 9.2986% | 2,684 |
| Retained earnings to average equity (ytd only) | 9.2986% | 1,478 |
| Net charge-offs to loans | 1.7936% | 529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.6327% | 4,019 |
| Efficiency ratio | 82.0018% | 1,932 |
| Assets per employee ($millions) | 2.9674% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5492% | 1,290 |
| Loan loss allowance to noncurrent loans | 60.4774% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 4.3389% | 1,244 |
| Noncurrent loans to loans | 4.2151% | 1,434 |
| Net loans and leases to total assets | 64.8377% | 2,687 |
| Net loans and leases to deposits | 77.8813% | 2,534 |
| Net loans and leases to core deposits | 94.5544% | 1,409 |
| Total domestic deposits to total assets | 83.2519% | 4,833 |
| Equity capital to assets | 9.9362% | 4,210 |
| Core capital (leverage) ratio | 9.6718% | 3,809 |
| Tier 1 risk-based capital ratio | 15.2164% | 3,612 |
| Total risk-based capital ratio | 16.4843% | 3,564 |
| Memoranda: | ||
| Average total assets | $217,100,500 | 2,921 |
| Average earning assets | $195,998,000 | 2,948 |
| Average equity | $21,293,500 | 3,074 |
| Average total loans | $144,515,000 | 2,711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 3,638 |
| Cost of funding earning assets | 1.1862% | 2,121 |
| Net interest margin | 3.6516% | 4,512 |
| Noninterest income to average assets | 0.8142% | 1,987 |
| Noninterest expense to average assets | 3.2893% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8382% | 2,884 |
| Return on assets (ROA) | 0.8471% | 2,991 |
| Pretax return on assets | 0.8471% | 3,784 |
| Return on Equity (ROE) | 9.5938% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.5938% | 651 |
| Net charge-offs to loans | 1.3968% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.8609% | 5,152 |
| Efficiency ratio | 79.6922% | 2,350 |
| Assets per employee ($millions) | 2.9805% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9820% | 827 |
| Loan loss allowance to noncurrent loans | 66.4565% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 4.4995% | 1,220 |
| Noncurrent loans to loans | 4.4871% | 1,331 |
| Net loans and leases to total assets | 64.6121% | 3,056 |
| Net loans and leases to deposits | 77.4046% | 2,938 |
| Net loans and leases to core deposits | 95.0399% | 1,584 |
| Total domestic deposits to total assets | 83.4732% | 4,552 |
| Equity capital to assets | 9.6806% | 4,628 |
| Core capital (leverage) ratio | 9.2477% | 4,393 |
| Tier 1 risk-based capital ratio | 14.7328% | 3,808 |
| Total risk-based capital ratio | 16.0059% | 3,767 |
| Memoranda: | ||
| Average total assets | $225,124,600 | 2,783 |
| Average earning assets | $204,267,200 | 2,799 |
| Average equity | $19,877,400 | 3,171 |
| Average total loans | $156,933,400 | 2,541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 3,685 |
| Cost of funding earning assets | 1.2718% | 1,853 |
| Net interest margin | 3.5974% | 4,779 |
| Noninterest income to average assets | 0.8340% | 1,907 |
| Noninterest expense to average assets | 3.3078% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7941% | 3,192 |
| Return on assets (ROA) | 0.8058% | 3,295 |
| Pretax return on assets | 0.8058% | 4,107 |
| Return on Equity (ROE) | 9.3422% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.3422% | 1,027 |
| Net charge-offs to loans | 1.9123% | 681 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5894% | 5,183 |
| Efficiency ratio | 80.6415% | 2,164 |
| Assets per employee ($millions) | 3.1435% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7550% | 1,070 |
| Loan loss allowance to noncurrent loans | 67.1388% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 5.5521% | 997 |
| Noncurrent loans to loans | 4.1034% | 1,615 |
| Net loans and leases to total assets | 67.6784% | 2,543 |
| Net loans and leases to deposits | 81.3678% | 2,472 |
| Net loans and leases to core deposits | 100.1890% | 1,231 |
| Total domestic deposits to total assets | 83.1759% | 4,614 |
| Equity capital to assets | 9.3419% | 5,314 |
| Core capital (leverage) ratio | 8.9223% | 5,062 |
| Tier 1 risk-based capital ratio | 13.5862% | 4,664 |
| Total risk-based capital ratio | 14.8569% | 4,613 |
| Memoranda: | ||
| Average total assets | $227,010,750 | 2,766 |
| Average earning assets | $206,216,250 | 2,782 |
| Average equity | $19,581,000 | 3,208 |
| Average total loans | $159,940,750 | 2,513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 3,767 |
| Cost of funding earning assets | 1.3339% | 1,735 |
| Net interest margin | 3.5329% | 5,003 |
| Noninterest income to average assets | 0.8267% | 1,908 |
| Noninterest expense to average assets | 3.2285% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8180% | 2,991 |
| Return on assets (ROA) | 0.8259% | 3,069 |
| Pretax return on assets | 0.8259% | 3,925 |
| Return on Equity (ROE) | 9.8359% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.8359% | 889 |
| Net charge-offs to loans | 1.9654% | 686 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.5885% | 4,858 |
| Efficiency ratio | 79.7845% | 2,421 |
| Assets per employee ($millions) | 3.3034% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1571% | 789 |
| Loan loss allowance to noncurrent loans | 58.9879% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 6.4001% | 841 |
| Noncurrent loans to loans | 5.3521% | 1,190 |
| Net loans and leases to total assets | 68.1750% | 2,585 |
| Net loans and leases to deposits | 84.7581% | 1,982 |
| Net loans and leases to core deposits | 104.4077% | 1,019 |
| Total domestic deposits to total assets | 80.4347% | 5,696 |
| Equity capital to assets | 9.0541% | 5,501 |
| Core capital (leverage) ratio | 8.5858% | 5,421 |
| Tier 1 risk-based capital ratio | 13.0550% | 4,873 |
| Total risk-based capital ratio | 14.3307% | 4,836 |
| Memoranda: | ||
| Average total assets | $229,333,670 | 2,760 |
| Average earning assets | $209,006,000 | 2,770 |
| Average equity | $19,256,000 | 3,236 |
| Average total loans | $162,207,670 | 2,510 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 4,022 |
| Cost of funding earning assets | 1.3506% | 1,883 |
| Net interest margin | 3.4579% | 5,189 |
| Noninterest income to average assets | 0.9223% | 1,580 |
| Noninterest expense to average assets | 3.2331% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8537% | 2,759 |
| Return on assets (ROA) | 0.8537% | 2,823 |
| Pretax return on assets | 0.8537% | 3,692 |
| Return on Equity (ROE) | 10.5595% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.5595% | 980 |
| Net charge-offs to loans | 1.8935% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.6360% | 4,149 |
| Efficiency ratio | 79.1107% | 2,678 |
| Assets per employee ($millions) | 3.4089% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5673% | 576 |
| Loan loss allowance to noncurrent loans | 53.3271% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 6.9283% | 778 |
| Noncurrent loans to loans | 6.6895% | 866 |
| Net loans and leases to total assets | 68.8460% | 2,367 |
| Net loans and leases to deposits | 85.3266% | 1,833 |
| Net loans and leases to core deposits | 108.3302% | 827 |
| Total domestic deposits to total assets | 80.6853% | 5,753 |
| Equity capital to assets | 8.4937% | 5,913 |
| Core capital (leverage) ratio | 8.0941% | 6,139 |
| Tier 1 risk-based capital ratio | 12.5724% | 5,195 |
| Total risk-based capital ratio | 13.8536% | 5,143 |
| Memoranda: | ||
| Average total assets | $233,337,500 | 2,743 |
| Average earning assets | $213,539,500 | 2,738 |
| Average equity | $18,864,500 | 3,271 |
| Average total loans | $165,407,500 | 2,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 3,362 |
| Cost of funding earning assets | 1.6282% | 1,917 |
| Net interest margin | 3.6218% | 4,714 |
| Noninterest income to average assets | 0.6206% | 3,338 |
| Noninterest expense to average assets | 2.7920% | 4,633 |
| Loan and lease loss provision to assets | 2.5302% | 435 |
| Net operating income to assets | -1.3886% | 6,868 |
| Return on assets (ROA) | -1.3249% | 6,865 |
| Pretax return on assets | -1.3355% | 6,794 |
| Return on Equity (ROE) | -16.1337% | 6,954 |
| Retained earnings to average equity (ytd only) | -16.1337% | 6,920 |
| Net charge-offs to loans | 2.3972% | 790 |
| Credit loss provision to net charge-offs | 141.7962% | 2,643 |
| Earnings coverage of net charge-offs (x) | 0.6335% | 5,476 |
| Efficiency ratio | 71.1820% | 3,957 |
| Assets per employee ($millions) | 3.7763% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8269% | 459 |
| Loan loss allowance to noncurrent loans | 49.9578% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 7.5408% | 687 |
| Noncurrent loans to loans | 7.6603% | 694 |
| Net loans and leases to total assets | 67.7226% | 3,051 |
| Net loans and leases to deposits | 82.7604% | 2,668 |
| Net loans and leases to core deposits | 102.2649% | 1,432 |
| Total domestic deposits to total assets | 81.8297% | 5,234 |
| Equity capital to assets | 7.7038% | 6,751 |
| Core capital (leverage) ratio | 7.4565% | 6,739 |
| Tier 1 risk-based capital ratio | 11.7538% | 5,689 |
| Total risk-based capital ratio | 13.0399% | 5,656 |
| Memoranda: | ||
| Average total assets | $245,234,200 | 2,594 |
| Average earning assets | $223,559,800 | 2,588 |
| Average equity | $20,138,000 | 3,129 |
| Average total loans | $182,547,800 | 2,322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 2,779 |
| Cost of funding earning assets | 1.6958% | 1,901 |
| Net interest margin | 3.7271% | 4,282 |
| Noninterest income to average assets | 0.5921% | 3,494 |
| Noninterest expense to average assets | 2.7422% | 4,714 |
| Loan and lease loss provision to assets | 1.8446% | 674 |
| Net operating income to assets | -0.5910% | 6,658 |
| Return on assets (ROA) | -0.5190% | 6,656 |
| Pretax return on assets | -0.5331% | 6,579 |
| Return on Equity (ROE) | -6.2253% | 6,735 |
| Retained earnings to average equity (ytd only) | -6.2253% | 6,654 |
| Net charge-offs to loans | 1.8940% | 1,009 |
| Credit loss provision to net charge-offs | 129.1240% | 3,142 |
| Earnings coverage of net charge-offs (x) | 0.8661% | 5,184 |
| Efficiency ratio | 68.9082% | 4,286 |
| Assets per employee ($millions) | 3.8182% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0672% | 777 |
| Loan loss allowance to noncurrent loans | 56.0848% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 5.2561% | 1,192 |
| Noncurrent loans to loans | 5.4689% | 1,215 |
| Net loans and leases to total assets | 70.5093% | 2,608 |
| Net loans and leases to deposits | 86.4196% | 2,251 |
| Net loans and leases to core deposits | 106.6748% | 1,267 |
| Total domestic deposits to total assets | 81.5894% | 5,163 |
| Equity capital to assets | 8.7742% | 5,895 |
| Core capital (leverage) ratio | 8.3872% | 5,721 |
| Tier 1 risk-based capital ratio | 12.6505% | 4,853 |
| Total risk-based capital ratio | 13.9263% | 4,820 |
| Memoranda: | ||
| Average total assets | $246,121,250 | 2,615 |
| Average earning assets | $223,688,250 | 2,623 |
| Average equity | $20,517,750 | 3,120 |
| Average total loans | $185,637,500 | 2,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4847% | 2,598 |
| Cost of funding earning assets | 1.7457% | 1,892 |
| Net interest margin | 3.7390% | 4,188 |
| Noninterest income to average assets | 0.5699% | 3,544 |
| Noninterest expense to average assets | 2.7409% | 4,732 |
| Loan and lease loss provision to assets | 1.8524% | 671 |
| Net operating income to assets | -0.6221% | 6,755 |
| Return on assets (ROA) | -0.5529% | 6,732 |
| Pretax return on assets | -0.5740% | 6,642 |
| Return on Equity (ROE) | -6.7491% | 6,820 |
| Retained earnings to average equity (ytd only) | -6.7491% | 6,719 |
| Net charge-offs to loans | 1.7093% | 1,093 |
| Credit loss provision to net charge-offs | 142.0137% | 2,804 |
| Earnings coverage of net charge-offs (x) | 0.9248% | 4,851 |
| Efficiency ratio | 69.4393% | 4,292 |
| Assets per employee ($millions) | 3.7885% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8983% | 920 |
| Loan loss allowance to noncurrent loans | 50.9409% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 5.3261% | 1,176 |
| Noncurrent loans to loans | 5.6895% | 1,148 |
| Net loans and leases to total assets | 74.0632% | 1,898 |
| Net loans and leases to deposits | 90.6035% | 1,755 |
| Net loans and leases to core deposits | 116.9988% | 807 |
| Total domestic deposits to total assets | 81.7442% | 5,092 |
| Equity capital to assets | 8.9254% | 5,566 |
| Core capital (leverage) ratio | 8.4125% | 5,557 |
| Tier 1 risk-based capital ratio | 12.0091% | 5,300 |
| Total risk-based capital ratio | 13.2819% | 5,244 |
| Memoranda: | ||
| Average total assets | $246,706,670 | 2,632 |
| Average earning assets | $222,839,330 | 2,651 |
| Average equity | $20,210,000 | 3,149 |
| Average total loans | $188,266,000 | 2,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5898% | 2,194 |
| Cost of funding earning assets | 1.7787% | 1,976 |
| Net interest margin | 3.8111% | 3,750 |
| Noninterest income to average assets | 0.5482% | 3,660 |
| Noninterest expense to average assets | 2.6878% | 4,961 |
| Loan and lease loss provision to assets | 3.6732% | 251 |
| Net operating income to assets | -2.4065% | 7,537 |
| Return on assets (ROA) | -2.2634% | 7,522 |
| Pretax return on assets | -2.2634% | 7,471 |
| Return on Equity (ROE) | -28.8902% | 7,556 |
| Retained earnings to average equity (ytd only) | -28.8902% | 7,526 |
| Net charge-offs to loans | 1.8217% | 948 |
| Credit loss provision to net charge-offs | 264.1618% | 1,489 |
| Earnings coverage of net charge-offs (x) | 0.9110% | 4,228 |
| Efficiency ratio | 67.9675% | 4,731 |
| Assets per employee ($millions) | 3.8755% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2467% | 670 |
| Loan loss allowance to noncurrent loans | 60.6781% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 5.0546% | 1,265 |
| Noncurrent loans to loans | 5.3506% | 1,326 |
| Net loans and leases to total assets | 73.3272% | 2,121 |
| Net loans and leases to deposits | 88.0836% | 2,211 |
| Net loans and leases to core deposits | 118.5363% | 849 |
| Total domestic deposits to total assets | 83.2473% | 4,504 |
| Equity capital to assets | 7.7732% | 6,867 |
| Core capital (leverage) ratio | 7.5511% | 6,796 |
| Tier 1 risk-based capital ratio | 10.4421% | 6,685 |
| Total risk-based capital ratio | 11.7186% | 6,653 |
| Memoranda: | ||
| Average total assets | $248,827,000 | 2,666 |
| Average earning assets | $222,405,500 | 2,710 |
| Average equity | $19,494,500 | 3,266 |
| Average total loans | $189,930,000 | 2,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7776% | 2,753 |
| Cost of funding earning assets | 2.1196% | 2,369 |
| Net interest margin | 3.6580% | 4,321 |
| Noninterest income to average assets | 0.5985% | 3,644 |
| Noninterest expense to average assets | 2.6781% | 5,490 |
| Loan and lease loss provision to assets | 4.3501% | 281 |
| Net operating income to assets | -3.0414% | 7,402 |
| Return on assets (ROA) | -2.7992% | 7,360 |
| Pretax return on assets | -2.7934% | 7,236 |
| Return on Equity (ROE) | -31.8913% | 7,437 |
| Retained earnings to average equity (ytd only) | -33.9007% | 7,461 |
| Net charge-offs to loans | 4.0706% | 401 |
| Credit loss provision to net charge-offs | 137.0078% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.4140% | 5,695 |
| Efficiency ratio | 67.0757% | 5,168 |
| Assets per employee ($millions) | 3.8403% | 4,174 |
| Cash dividends to net income (ytd only)* | -6.3008% | 7,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 1,304 |
| Loan loss allowance to noncurrent loans | 57.3247% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 4.2036% | 1,554 |
| Noncurrent loans to loans | 4.2583% | 1,709 |
| Net loans and leases to total assets | 74.9926% | 2,033 |
| Net loans and leases to deposits | 90.7178% | 2,097 |
| Net loans and leases to core deposits | 116.7128% | 2,248 |
| Total domestic deposits to total assets | 82.6658% | 4,673 |
| Equity capital to assets | 7.8955% | 6,677 |
| Core capital (leverage) ratio | 7.2978% | 6,988 |
| Tier 1 risk-based capital ratio | 10.3915% | 6,505 |
| Total risk-based capital ratio | 11.6576% | 6,460 |
| Memoranda: | ||
| Average total assets | $255,141,600 | 2,565 |
| Average earning assets | $236,743,600 | 2,534 |
| Average equity | $22,394,800 | 2,900 |
| Average total loans | $199,010,000 | 2,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 2,943 |
| Cost of funding earning assets | 2.1481% | 2,664 |
| Net interest margin | 3.6400% | 4,323 |
| Noninterest income to average assets | 0.5816% | 3,839 |
| Noninterest expense to average assets | 2.7074% | 5,291 |
| Loan and lease loss provision to assets | 3.6498% | 354 |
| Net operating income to assets | -2.3810% | 7,439 |
| Return on assets (ROA) | -2.2724% | 7,392 |
| Pretax return on assets | -2.2646% | 7,269 |
| Return on Equity (ROE) | -25.2715% | 7,512 |
| Retained earnings to average equity (ytd only) | -27.8726% | 7,548 |
| Net charge-offs to loans | 2.7278% | 658 |
| Credit loss provision to net charge-offs | 170.9348% | 2,724 |
| Earnings coverage of net charge-offs (x) | 0.5979% | 5,439 |
| Efficiency ratio | 67.9583% | 4,983 |
| Assets per employee ($millions) | 4.0180% | 3,693 |
| Cash dividends to net income (ytd only)* | -10.2929% | 7,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 1,288 |
| Loan loss allowance to noncurrent loans | 67.2810% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 3.3825% | 1,980 |
| Noncurrent loans to loans | 3.4292% | 2,186 |
| Net loans and leases to total assets | 74.5780% | 2,350 |
| Net loans and leases to deposits | 94.8313% | 1,742 |
| Net loans and leases to core deposits | 126.8407% | 1,670 |
| Total domestic deposits to total assets | 78.6429% | 5,916 |
| Equity capital to assets | 8.8246% | 5,747 |
| Core capital (leverage) ratio | 8.3808% | 5,690 |
| Tier 1 risk-based capital ratio | 11.4535% | 5,476 |
| Total risk-based capital ratio | 12.7203% | 5,403 |
| Memoranda: | ||
| Average total assets | $256,521,500 | 2,558 |
| Average earning assets | $239,775,750 | 2,520 |
| Average equity | $23,066,250 | 2,845 |
| Average total loans | $200,792,000 | 2,312 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 2,977 |
| Cost of funding earning assets | 2.1982% | 2,800 |
| Net interest margin | 3.6181% | 4,288 |
| Noninterest income to average assets | 0.5820% | 3,821 |
| Noninterest expense to average assets | 2.8536% | 4,719 |
| Loan and lease loss provision to assets | 2.3885% | 662 |
| Net operating income to assets | -1.2668% | 7,144 |
| Return on assets (ROA) | -1.1970% | 7,119 |
| Pretax return on assets | -1.1884% | 6,932 |
| Return on Equity (ROE) | -13.2278% | 7,238 |
| Retained earnings to average equity (ytd only) | -17.1285% | 7,352 |
| Net charge-offs to loans | 1.8553% | 1,015 |
| Credit loss provision to net charge-offs | 163.0959% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.7718% | 4,957 |
| Efficiency ratio | 71.6283% | 4,480 |
| Assets per employee ($millions) | 3.8261% | 4,036 |
| Cash dividends to net income (ytd only)* | -29.4889% | 7,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 3,612 |
| Loan loss allowance to noncurrent loans | 46.8499% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.9640% | 2,152 |
| Noncurrent loans to loans | 3.0362% | 2,373 |
| Net loans and leases to total assets | 77.3994% | 1,880 |
| Net loans and leases to deposits | 99.5385% | 1,332 |
| Net loans and leases to core deposits | 125.5663% | 1,913 |
| Total domestic deposits to total assets | 77.7583% | 6,140 |
| Equity capital to assets | 10.0130% | 3,919 |
| Core capital (leverage) ratio | 9.6103% | 3,751 |
| Tier 1 risk-based capital ratio | 12.6481% | 4,396 |
| Total risk-based capital ratio | 13.8986% | 4,317 |
| Memoranda: | ||
| Average total assets | $254,972,670 | 2,582 |
| Average earning assets | $239,741,330 | 2,524 |
| Average equity | $23,072,670 | 2,853 |
| Average total loans | $201,264,670 | 2,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8220% | 3,189 |
| Cost of funding earning assets | 2.2321% | 3,005 |
| Net interest margin | 3.5898% | 4,358 |
| Noninterest income to average assets | 0.6025% | 3,531 |
| Noninterest expense to average assets | 2.7827% | 4,637 |
| Loan and lease loss provision to assets | 1.2128% | 1,067 |
| Net operating income to assets | -0.0140% | 6,280 |
| Return on assets (ROA) | 0.1148% | 6,098 |
| Pretax return on assets | 0.1243% | 6,108 |
| Return on Equity (ROE) | 1.3410% | 6,028 |
| Retained earnings to average equity (ytd only) | -4.1699% | 6,445 |
| Net charge-offs to loans | 0.8049% | 1,606 |
| Credit loss provision to net charge-offs | 190.3704% | 2,309 |
| Earnings coverage of net charge-offs (x) | 1.8790% | 3,787 |
| Efficiency ratio | 69.9209% | 4,592 |
| Assets per employee ($millions) | 3.9863% | 3,688 |
| Cash dividends to net income (ytd only)* | 410.9589% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,201 |
| Loan loss allowance to noncurrent loans | 28.5238% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 3.0046% | 1,879 |
| Noncurrent loans to loans | 3.4975% | 1,820 |
| Net loans and leases to total assets | 78.5919% | 1,669 |
| Net loans and leases to deposits | 100.1244% | 1,393 |
| Net loans and leases to core deposits | 121.7728% | 2,272 |
| Total domestic deposits to total assets | 78.4942% | 5,864 |
| Equity capital to assets | 8.5559% | 5,981 |
| Core capital (leverage) ratio | 8.3218% | 5,865 |
| Tier 1 risk-based capital ratio | 10.6831% | 6,205 |
| Total risk-based capital ratio | 11.7148% | 6,345 |
| Memoranda: | ||
| Average total assets | $254,285,500 | 2,597 |
| Average earning assets | $239,232,500 | 2,541 |
| Average equity | $21,775,000 | 3,003 |
| Average total loans | $201,260,000 | 2,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5815% | 2,568 |
| Cost of funding earning assets | 2.8439% | 2,505 |
| Net interest margin | 3.7376% | 4,292 |
| Noninterest income to average assets | 0.7235% | 2,954 |
| Noninterest expense to average assets | 2.6453% | 5,466 |
| Loan and lease loss provision to assets | 0.4427% | 3,075 |
| Net operating income to assets | 1.1281% | 2,036 |
| Return on assets (ROA) | 1.1328% | 1,934 |
| Pretax return on assets | 1.1478% | 2,843 |
| Return on Equity (ROE) | 14.3686% | 1,035 |
| Retained earnings to average equity (ytd only) | 6.2231% | 1,419 |
| Net charge-offs to loans | 0.4646% | 2,506 |
| Credit loss provision to net charge-offs | 119.2618% | 4,513 |
| Earnings coverage of net charge-offs (x) | 4.2722% | 4,046 |
| Efficiency ratio | 62.5215% | 5,854 |
| Assets per employee ($millions) | 3.8379% | 3,886 |
| Cash dividends to net income (ytd only)* | 56.6893% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,866 |
| Loan loss allowance to noncurrent loans | 26.4015% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 2.7992% | 1,677 |
| Noncurrent loans to loans | 3.2444% | 1,611 |
| Net loans and leases to total assets | 78.2257% | 2,080 |
| Net loans and leases to deposits | 99.1943% | 1,959 |
| Net loans and leases to core deposits | 113.5158% | 3,393 |
| Total domestic deposits to total assets | 78.8611% | 5,427 |
| Equity capital to assets | 8.5708% | 5,977 |
| Core capital (leverage) ratio | 8.4096% | 5,741 |
| Tier 1 risk-based capital ratio | 10.8889% | 5,820 |
| Total risk-based capital ratio | 11.7747% | 6,074 |
| Memoranda: | ||
| Average total assets | $233,580,800 | 2,718 |
| Average earning assets | $219,204,000 | 2,669 |
| Average equity | $18,415,200 | 3,493 |
| Average total loans | $186,614,000 | 2,434 |