Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 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 | 6.8565% | 400 |
| Cost of funding earning assets | 3.1449% | 336 |
| Net interest margin | 3.7116% | 1,511 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.0430% | 3,476 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | 1.2421% | 1,345 |
| Return on assets (ROA) | 1.2421% | 1,352 |
| Pretax return on assets | 1.6367% | 1,036 |
| Return on Equity (ROE) | 9.7900% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.7867% | 1,158 |
| Net charge-offs to loans | 0.0014% | 2,167 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | 1,362.0000% | 62 |
| Efficiency ratio | 55.1171% | 3,672 |
| Assets per employee ($millions) | 10.5541% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,178 |
| Loan loss allowance to noncurrent loans | 1,440.1914% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,255 |
| Noncurrent loans to loans | 0.0711% | 3,277 |
| Net loans and leases to total assets | 83.5100% | 299 |
| Net loans and leases to deposits | 100.8772% | 443 |
| Net loans and leases to core deposits | 138.0550% | 299 |
| Total domestic deposits to total assets | 82.7800% | 3,026 |
| Equity capital to assets | 12.6749% | 939 |
| Core capital (leverage) ratio | 10.4132% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4795% | 2,435 |
| Memoranda: | ||
| Average total assets | $343,609,500 | 2,237 |
| Average earning assets | $319,755,000 | 2,237 |
| Average equity | $43,610,000 | 1,851 |
| Average total loans | $290,351,500 | 1,879 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3108% | 429 |
| Cost of funding earning assets | 2.4334% | 423 |
| Net interest margin | 3.8774% | 1,422 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.1508% | 3,251 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1400% | 1,808 |
| Return on assets (ROA) | 1.1400% | 1,783 |
| Pretax return on assets | 1.5288% | 1,358 |
| Return on Equity (ROE) | 8.8900% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.8851% | 1,282 |
| Net charge-offs to loans | 0.0103% | 2,261 |
| Credit loss provision to net charge-offs | 714.2857% | 521 |
| Earnings coverage of net charge-offs (x) | 182.8571% | 622 |
| Efficiency ratio | 56.2531% | 3,473 |
| Assets per employee ($millions) | 10.2707% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 2,999 |
| Loan loss allowance to noncurrent loans | 1,463.1579% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,162 |
| Noncurrent loans to loans | 0.0729% | 3,195 |
| Net loans and leases to total assets | 83.7300% | 291 |
| Net loans and leases to deposits | 99.4310% | 566 |
| Net loans and leases to core deposits | 136.5473% | 306 |
| Total domestic deposits to total assets | 84.2100% | 2,557 |
| Equity capital to assets | 12.7090% | 938 |
| Core capital (leverage) ratio | 10.1292% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6395% | 2,368 |
| Memoranda: | ||
| Average total assets | $321,831,400 | 2,305 |
| Average earning assets | $298,470,600 | 2,316 |
| Average equity | $41,294,000 | 1,837 |
| Average total loans | $270,600,200 | 1,909 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1219% | 455 |
| Cost of funding earning assets | 2.2116% | 486 |
| Net interest margin | 3.9103% | 1,377 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.1027% | 3,350 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2025% | 1,793 |
| Return on assets (ROA) | 1.2025% | 1,781 |
| Pretax return on assets | 1.6194% | 1,311 |
| Return on Equity (ROE) | 9.3500% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.3481% | 1,588 |
| Net charge-offs to loans | 0.0090% | 2,074 |
| Credit loss provision to net charge-offs | 711.1111% | 503 |
| Earnings coverage of net charge-offs (x) | 221.3889% | 551 |
| Efficiency ratio | 54.4535% | 3,553 |
| Assets per employee ($millions) | 9.6113% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,048 |
| Loan loss allowance to noncurrent loans | 1,406.2201% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,187 |
| Noncurrent loans to loans | 0.0757% | 3,216 |
| Net loans and leases to total assets | 83.5900% | 316 |
| Net loans and leases to deposits | 99.2974% | 547 |
| Net loans and leases to core deposits | 130.6028% | 337 |
| Total domestic deposits to total assets | 84.1900% | 2,720 |
| Equity capital to assets | 12.9294% | 827 |
| Core capital (leverage) ratio | 10.1393% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6913% | 2,391 |
| Memoranda: | ||
| Average total assets | $317,556,000 | 2,337 |
| Average earning assets | $294,192,500 | 2,339 |
| Average equity | $40,848,750 | 1,835 |
| Average total loans | $266,538,500 | 1,929 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9071% | 499 |
| Cost of funding earning assets | 1.9118% | 589 |
| Net interest margin | 3.9953% | 1,252 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.1165% | 3,304 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.1511% | 1,964 |
| Return on assets (ROA) | 1.1511% | 1,962 |
| Pretax return on assets | 1.5677% | 1,468 |
| Return on Equity (ROE) | 8.9600% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.9645% | 1,695 |
| Net charge-offs to loans | 0.0008% | 2,410 |
| Credit loss provision to net charge-offs | 26,200.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 2,727.0000% | 43 |
| Efficiency ratio | 53.7407% | 3,634 |
| Assets per employee ($millions) | 9.8948% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,718 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.6300% | 362 |
| Net loans and leases to deposits | 95.1721% | 778 |
| Net loans and leases to core deposits | 122.4162% | 464 |
| Total domestic deposits to total assets | 86.8200% | 1,982 |
| Equity capital to assets | 12.6100% | 911 |
| Core capital (leverage) ratio | 9.8922% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6099% | 2,430 |
| Memoranda: | ||
| Average total assets | $314,480,333 | 2,357 |
| Average earning assets | $291,040,000 | 2,363 |
| Average equity | $40,381,333 | 1,865 |
| Average total loans | $263,347,000 | 1,941 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 497 |
| Cost of funding earning assets | 1.6279% | 665 |
| Net interest margin | 4.0080% | 1,248 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.1462% | 3,259 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.0672% | 2,326 |
| Return on assets (ROA) | 1.0672% | 2,298 |
| Pretax return on assets | 1.5432% | 1,583 |
| Return on Equity (ROE) | 8.2300% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.2332% | 2,156 |
| Net charge-offs to loans | 0.0015% | 1,988 |
| Credit loss provision to net charge-offs | 12,600.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 1,316.0000% | 73 |
| Efficiency ratio | 54.4598% | 3,558 |
| Assets per employee ($millions) | 9.1524% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,817 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.9200% | 242 |
| Net loans and leases to deposits | 96.8384% | 610 |
| Net loans and leases to core deposits | 122.4474% | 389 |
| Total domestic deposits to total assets | 86.6600% | 2,386 |
| Equity capital to assets | 12.9066% | 777 |
| Core capital (leverage) ratio | 9.9603% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6172% | 2,529 |
| Memoranda: | ||
| Average total assets | $308,457,000 | 2,416 |
| Average earning assets | $285,026,500 | 2,426 |
| Average equity | $39,984,500 | 1,901 |
| Average total loans | $258,556,500 | 1,982 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 202 |
| Cost of funding earning assets | 0.5522% | 1,099 |
| Net interest margin | 4.7220% | 197 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.3693% | 2,518 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.3953% | 1,145 |
| Return on assets (ROA) | 1.3953% | 1,098 |
| Pretax return on assets | 1.8386% | 666 |
| Return on Equity (ROE) | 10.4300% | 2,669 |
| Retained earnings to average equity (ytd only) | 10.4347% | 1,026 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.1961% | 4,051 |
| Assets per employee ($millions) | 9.2646% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 3,844 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.0000% | 406 |
| Net loans and leases to deposits | 95.6630% | 669 |
| Net loans and leases to core deposits | 119.7282% | 375 |
| Total domestic deposits to total assets | 85.7200% | 2,798 |
| Equity capital to assets | 13.0199% | 704 |
| Core capital (leverage) ratio | 10.4483% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5698% | 2,542 |
| Memoranda: | ||
| Average total assets | $282,658,200 | 2,540 |
| Average earning assets | $261,329,600 | 2,539 |
| Average equity | $37,797,000 | 2,006 |
| Average total loans | $231,809,200 | 2,044 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 166 |
| Cost of funding earning assets | 0.3891% | 1,370 |
| Net interest margin | 4.7971% | 148 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.4076% | 2,294 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 1.4051% | 1,079 |
| Return on assets (ROA) | 1.4051% | 1,050 |
| Pretax return on assets | 1.8524% | 653 |
| Return on Equity (ROE) | 10.4300% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.4319% | 1,220 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1991% | 4,067 |
| Assets per employee ($millions) | 9.2033% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 4,049 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 83.1600% | 310 |
| Net loans and leases to deposits | 106.5947% | 182 |
| Net loans and leases to core deposits | 131.9645% | 138 |
| Total domestic deposits to total assets | 78.0100% | 4,260 |
| Equity capital to assets | 13.1601% | 655 |
| Core capital (leverage) ratio | 10.5449% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3683% | 2,701 |
| Memoranda: | ||
| Average total assets | $276,890,000 | 2,586 |
| Average earning assets | $255,980,250 | 2,597 |
| Average equity | $37,294,750 | 2,050 |
| Average total loans | $226,529,750 | 2,068 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 150 |
| Cost of funding earning assets | 0.3409% | 1,358 |
| Net interest margin | 4.7425% | 143 |
| Noninterest income to average assets | 0.1742% | 4,135 |
| Noninterest expense to average assets | 2.4877% | 1,968 |
| Loan and lease loss provision to assets | 0.2826% | 239 |
| Net operating income to assets | 1.3564% | 1,008 |
| Return on assets (ROA) | 1.3564% | 989 |
| Pretax return on assets | 1.7873% | 621 |
| Return on Equity (ROE) | 9.9871% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.9871% | 1,026 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3841% | 4,016 |
| Assets per employee ($millions) | 8.7349% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 4,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.5302% | 366 |
| Net loans and leases to deposits | 95.3040% | 458 |
| Net loans and leases to core deposits | 113.7730% | 284 |
| Total domestic deposits to total assets | 84.4983% | 3,590 |
| Equity capital to assets | 13.0837% | 651 |
| Core capital (leverage) ratio | 10.4545% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4993% | 2,677 |
| Memoranda: | ||
| Average total assets | $271,018,667 | 2,641 |
| Average earning assets | $250,499,000 | 2,663 |
| Average equity | $36,807,333 | 2,121 |
| Average total loans | $219,732,333 | 2,110 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 122 |
| Cost of funding earning assets | 0.3190% | 1,476 |
| Net interest margin | 4.8556% | 110 |
| Noninterest income to average assets | 0.1814% | 4,077 |
| Noninterest expense to average assets | 2.7286% | 1,296 |
| Loan and lease loss provision to assets | 0.2515% | 258 |
| Net operating income to assets | 1.2759% | 1,057 |
| Return on assets (ROA) | 1.2759% | 1,050 |
| Pretax return on assets | 1.6799% | 711 |
| Return on Equity (ROE) | 9.2094% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.2094% | 1,212 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3438% | 3,749 |
| Assets per employee ($millions) | 9.0158% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6895% | 4,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 79.2946% | 276 |
| Net loans and leases to deposits | 95.0691% | 311 |
| Net loans and leases to core deposits | 113.3651% | 198 |
| Total domestic deposits to total assets | 83.4073% | 3,881 |
| Equity capital to assets | 13.5842% | 588 |
| Core capital (leverage) ratio | 10.5948% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9396% | 2,626 |
| Memoranda: | ||
| Average total assets | $262,402,000 | 2,708 |
| Average earning assets | $242,029,500 | 2,721 |
| Average equity | $36,354,000 | 2,199 |
| Average total loans | $212,680,000 | 2,155 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 1,102 |
| Cost of funding earning assets | 0.1275% | 4,169 |
| Net interest margin | 4.0082% | 699 |
| Noninterest income to average assets | 0.1445% | 4,433 |
| Noninterest expense to average assets | 1.7482% | 4,227 |
| Loan and lease loss provision to assets | 0.5298% | 103 |
| Net operating income to assets | 1.2328% | 1,801 |
| Return on assets (ROA) | 1.2328% | 1,860 |
| Pretax return on assets | 1.6266% | 1,348 |
| Return on Equity (ROE) | 10.2601% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.2601% | 851 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6257% | 4,586 |
| Assets per employee ($millions) | 8.7700% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 4,516 |
| Loan loss allowance to noncurrent loans | 1,018.4615% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,628 |
| Noncurrent loans to loans | 0.0621% | 3,639 |
| Net loans and leases to total assets | 81.8133% | 192 |
| Net loans and leases to deposits | 101.2949% | 177 |
| Net loans and leases to core deposits | 124.3055% | 132 |
| Total domestic deposits to total assets | 80.7674% | 4,134 |
| Equity capital to assets | 14.1415% | 637 |
| Core capital (leverage) ratio | 10.3964% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9863% | 2,638 |
| Memoranda: | ||
| Average total assets | $249,909,000 | 2,732 |
| Average earning assets | $234,444,400 | 2,719 |
| Average equity | $30,029,000 | 2,535 |
| Average total loans | $192,862,800 | 2,286 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 2,609 |
| Cost of funding earning assets | 0.1137% | 4,396 |
| Net interest margin | 3.4667% | 1,963 |
| Noninterest income to average assets | 0.1238% | 4,575 |
| Noninterest expense to average assets | 1.5428% | 4,544 |
| Loan and lease loss provision to assets | 0.3983% | 160 |
| Net operating income to assets | 1.0996% | 2,559 |
| Return on assets (ROA) | 1.0996% | 2,615 |
| Pretax return on assets | 1.4501% | 2,150 |
| Return on Equity (ROE) | 9.5847% | 2,894 |
| Retained earnings to average equity (ytd only) | 9.5847% | 1,455 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3268% | 4,571 |
| Assets per employee ($millions) | 8.2147% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 4,765 |
| Loan loss allowance to noncurrent loans | 571.5385% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,798 |
| Noncurrent loans to loans | 0.0696% | 3,748 |
| Net loans and leases to total assets | 73.0582% | 771 |
| Net loans and leases to deposits | 88.0238% | 713 |
| Net loans and leases to core deposits | 108.0682% | 364 |
| Total domestic deposits to total assets | 82.9982% | 3,708 |
| Equity capital to assets | 13.7228% | 799 |
| Core capital (leverage) ratio | 9.9751% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0987% | 2,323 |
| Memoranda: | ||
| Average total assets | $248,804,000 | 2,754 |
| Average earning assets | $234,491,750 | 2,740 |
| Average equity | $28,544,750 | 2,648 |
| Average total loans | $188,728,750 | 2,349 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7926% | 4,349 |
| Cost of funding earning assets | 0.1058% | 4,531 |
| Net interest margin | 2.6868% | 4,005 |
| Noninterest income to average assets | 0.0916% | 4,726 |
| Noninterest expense to average assets | 1.1318% | 4,842 |
| Loan and lease loss provision to assets | 0.2982% | 286 |
| Net operating income to assets | 0.9196% | 3,163 |
| Return on assets (ROA) | 0.9196% | 3,239 |
| Pretax return on assets | 1.2121% | 2,874 |
| Return on Equity (ROE) | 8.5949% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.5949% | 1,854 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7050% | 4,704 |
| Assets per employee ($millions) | 8.7260% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1948% | 4,876 |
| Loan loss allowance to noncurrent loans | 283.0769% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,922 |
| Noncurrent loans to loans | 0.0688% | 3,847 |
| Net loans and leases to total assets | 72.0268% | 962 |
| Net loans and leases to deposits | 86.4933% | 885 |
| Net loans and leases to core deposits | 104.7098% | 509 |
| Total domestic deposits to total assets | 83.2744% | 3,648 |
| Equity capital to assets | 12.9999% | 940 |
| Core capital (leverage) ratio | 9.4779% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4173% | 2,573 |
| Memoranda: | ||
| Average total assets | $246,853,333 | 2,755 |
| Average earning assets | $234,331,333 | 2,727 |
| Average equity | $26,411,000 | 2,791 |
| Average total loans | $189,375,000 | 2,353 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 525 |
| Cost of funding earning assets | 0.6414% | 730 |
| Net interest margin | 4.1136% | 709 |
| Noninterest income to average assets | 0.1988% | 4,195 |
| Noninterest expense to average assets | 2.2273% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4721% | 1,391 |
| Return on assets (ROA) | 1.4721% | 1,454 |
| Pretax return on assets | 1.9366% | 1,054 |
| Return on Equity (ROE) | 15.5922% | 1,094 |
| Retained earnings to average equity (ytd only) | -8.1412% | 4,782 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4912% | 3,848 |
| Assets per employee ($millions) | 8.1182% | 1,144 |
| Cash dividends to net income (ytd only)* | 152.2134% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,237 |
| Loan loss allowance to noncurrent loans | 1,704.6154% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,996 |
| Noncurrent loans to loans | 0.0670% | 3,954 |
| Net loans and leases to total assets | 78.7847% | 416 |
| Net loans and leases to deposits | 90.9740% | 646 |
| Net loans and leases to core deposits | 109.6177% | 419 |
| Total domestic deposits to total assets | 86.6013% | 2,481 |
| Equity capital to assets | 9.1847% | 3,505 |
| Core capital (leverage) ratio | 9.3313% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6892% | 2,407 |
| Memoranda: | ||
| Average total assets | $239,390,500 | 2,803 |
| Average earning assets | $230,748,500 | 2,742 |
| Average equity | $22,601,000 | 3,030 |
| Average total loans | $189,603,000 | 2,351 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7365% | 130 |
| Cost of funding earning assets | 1.0113% | 571 |
| Net interest margin | 4.7251% | 205 |
| Noninterest income to average assets | 0.1967% | 4,298 |
| Noninterest expense to average assets | 2.3639% | 3,232 |
| Loan and lease loss provision to assets | 0.0366% | 3,953 |
| Net operating income to assets | 1.7641% | 418 |
| Return on assets (ROA) | 1.7641% | 451 |
| Pretax return on assets | 2.3236% | 248 |
| Return on Equity (ROE) | 17.5864% | 362 |
| Retained earnings to average equity (ytd only) | 11.8398% | 338 |
| Net charge-offs to loans | 0.0010% | 3,390 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 2,579.5000% | 35 |
| Efficiency ratio | 50.0387% | 4,529 |
| Assets per employee ($millions) | 8.1116% | 998 |
| Cash dividends to net income (ytd only)* | 32.6763% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,968 |
| Loan loss allowance to noncurrent loans | 1,704.6154% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,017 |
| Noncurrent loans to loans | 0.0702% | 4,015 |
| Net loans and leases to total assets | 77.7508% | 621 |
| Net loans and leases to deposits | 92.4511% | 751 |
| Net loans and leases to core deposits | 114.1473% | 406 |
| Total domestic deposits to total assets | 84.0993% | 3,086 |
| Equity capital to assets | 9.7065% | 3,399 |
| Core capital (leverage) ratio | 9.7391% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3188% | 2,116 |
| Memoranda: | ||
| Average total assets | $218,583,000 | 2,806 |
| Average earning assets | $209,432,600 | 2,750 |
| Average equity | $21,926,000 | 3,012 |
| Average total loans | $194,288,200 | 2,298 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8654% | 132 |
| Cost of funding earning assets | 1.0905% | 557 |
| Net interest margin | 4.7749% | 214 |
| Noninterest income to average assets | 0.1946% | 4,309 |
| Noninterest expense to average assets | 2.4425% | 3,015 |
| Loan and lease loss provision to assets | 0.0499% | 3,729 |
| Net operating income to assets | 1.7231% | 550 |
| Return on assets (ROA) | 1.7231% | 609 |
| Pretax return on assets | 2.2740% | 296 |
| Return on Equity (ROE) | 17.0263% | 448 |
| Retained earnings to average equity (ytd only) | 17.0263% | 124 |
| Net charge-offs to loans | 0.0007% | 3,221 |
| Credit loss provision to net charge-offs | 8,000.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 3,737.0000% | 17 |
| Efficiency ratio | 51.2459% | 4,401 |
| Assets per employee ($millions) | 7.2101% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,216 |
| Loan loss allowance to noncurrent loans | 756.6553% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 1,629 |
| Noncurrent loans to loans | 0.1453% | 3,802 |
| Net loans and leases to total assets | 86.4287% | 135 |
| Net loans and leases to deposits | 105.1191% | 351 |
| Net loans and leases to core deposits | 130.1010% | 251 |
| Total domestic deposits to total assets | 82.2198% | 3,362 |
| Equity capital to assets | 9.9730% | 3,252 |
| Core capital (leverage) ratio | 10.0925% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0607% | 2,171 |
| Memoranda: | ||
| Average total assets | $214,420,000 | 2,817 |
| Average earning assets | $205,289,500 | 2,766 |
| Average equity | $21,699,250 | 3,025 |
| Average total loans | $196,582,000 | 2,263 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5914% | 82 |
| Cost of funding earning assets | 1.1717% | 562 |
| Net interest margin | 5.4198% | 96 |
| Noninterest income to average assets | 0.1991% | 4,277 |
| Noninterest expense to average assets | 2.5743% | 2,757 |
| Loan and lease loss provision to assets | 0.0574% | 3,583 |
| Net operating income to assets | 2.0777% | 281 |
| Return on assets (ROA) | 2.0777% | 317 |
| Pretax return on assets | 2.7600% | 149 |
| Return on Equity (ROE) | 20.4211% | 225 |
| Retained earnings to average equity (ytd only) | 20.4211% | 85 |
| Net charge-offs to loans | 0.0010% | 2,998 |
| Credit loss provision to net charge-offs | 6,000.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 2,944.0000% | 25 |
| Efficiency ratio | 47.7458% | 4,647 |
| Assets per employee ($millions) | 7.0076% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,240 |
| Loan loss allowance to noncurrent loans | 934.8936% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 1,969 |
| Noncurrent loans to loans | 0.1142% | 3,992 |
| Net loans and leases to total assets | 90.7711% | 21 |
| Net loans and leases to deposits | 111.2546% | 205 |
| Net loans and leases to core deposits | 137.4463% | 189 |
| Total domestic deposits to total assets | 81.5886% | 3,474 |
| Equity capital to assets | 9.9986% | 3,212 |
| Core capital (leverage) ratio | 10.2944% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6326% | 2,347 |
| Memoranda: | ||
| Average total assets | $208,985,667 | 2,833 |
| Average earning assets | $200,229,333 | 2,778 |
| Average equity | $21,262,333 | 3,058 |
| Average total loans | $194,900,000 | 2,252 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2073% | 130 |
| Cost of funding earning assets | 1.3141% | 546 |
| Net interest margin | 4.8932% | 236 |
| Noninterest income to average assets | 0.2265% | 4,192 |
| Noninterest expense to average assets | 2.5706% | 3,075 |
| Loan and lease loss provision to assets | 0.0596% | 3,022 |
| Net operating income to assets | 1.7243% | 486 |
| Return on assets (ROA) | 1.7243% | 537 |
| Pretax return on assets | 2.2785% | 246 |
| Return on Equity (ROE) | 16.7867% | 357 |
| Retained earnings to average equity (ytd only) | 16.7867% | 121 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3675% | 4,529 |
| Assets per employee ($millions) | 6.1754% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,594.1176% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,266 |
| Noncurrent loans to loans | 0.0734% | 4,229 |
| Net loans and leases to total assets | 92.7054% | 11 |
| Net loans and leases to deposits | 114.4588% | 128 |
| Net loans and leases to core deposits | 146.2604% | 131 |
| Total domestic deposits to total assets | 80.9946% | 3,665 |
| Equity capital to assets | 10.6896% | 3,149 |
| Core capital (leverage) ratio | 10.5073% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0458% | 2,672 |
| Memoranda: | ||
| Average total assets | $201,357,500 | 2,856 |
| Average earning assets | $192,677,500 | 2,805 |
| Average equity | $20,683,000 | 3,105 |
| Average total loans | $189,478,000 | 2,266 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 145 |
| Cost of funding earning assets | 1.4331% | 500 |
| Net interest margin | 4.8449% | 370 |
| Noninterest income to average assets | 0.3458% | 3,640 |
| Noninterest expense to average assets | 2.6119% | 3,147 |
| Loan and lease loss provision to assets | 0.0568% | 2,896 |
| Net operating income to assets | 1.7795% | 546 |
| Return on assets (ROA) | 1.7795% | 580 |
| Pretax return on assets | 2.3146% | 299 |
| Return on Equity (ROE) | 18.5754% | 298 |
| Retained earnings to average equity (ytd only) | 15.3753% | 87 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4130% | 4,573 |
| Assets per employee ($millions) | 6.4095% | 1,346 |
| Cash dividends to net income (ytd only)* | 17.2274% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 2,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 2,799 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 93.3448% | 12 |
| Net loans and leases to deposits | 116.8501% | 105 |
| Net loans and leases to core deposits | 150.0086% | 115 |
| Total domestic deposits to total assets | 79.8843% | 4,004 |
| Equity capital to assets | 9.8692% | 4,038 |
| Core capital (leverage) ratio | 10.2210% | 3,275 |
| Tier 1 risk-based capital ratio | 10.8989% | 4,889 |
| Total risk-based capital ratio | 12.0512% | 4,832 |
| Memoranda: | ||
| Average total assets | $193,767,400 | 2,888 |
| Average earning assets | $185,472,600 | 2,835 |
| Average equity | $18,562,200 | 3,269 |
| Average total loans | $182,641,200 | 2,291 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2783% | 154 |
| Cost of funding earning assets | 1.4518% | 480 |
| Net interest margin | 4.8265% | 398 |
| Noninterest income to average assets | 0.2409% | 4,295 |
| Noninterest expense to average assets | 2.6445% | 3,026 |
| Loan and lease loss provision to assets | 0.0684% | 2,508 |
| Net operating income to assets | 1.6271% | 873 |
| Return on assets (ROA) | 1.6271% | 914 |
| Pretax return on assets | 2.1480% | 500 |
| Return on Equity (ROE) | 17.1235% | 465 |
| Retained earnings to average equity (ytd only) | 12.7581% | 304 |
| Net charge-offs to loans | -0.0007% | 3,986 |
| Credit loss provision to net charge-offs | -9,800.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4031% | 4,344 |
| Assets per employee ($millions) | 5.9981% | 1,609 |
| Cash dividends to net income (ytd only)* | 25.4935% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 3,841 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 92.3460% | 15 |
| Net loans and leases to deposits | 110.7952% | 208 |
| Net loans and leases to core deposits | 143.7161% | 149 |
| Total domestic deposits to total assets | 83.3484% | 3,044 |
| Equity capital to assets | 9.9631% | 4,056 |
| Core capital (leverage) ratio | 9.9301% | 3,708 |
| Tier 1 risk-based capital ratio | 11.0731% | 4,876 |
| Total risk-based capital ratio | 12.3058% | 4,777 |
| Memoranda: | ||
| Average total assets | $190,933,500 | 2,942 |
| Average earning assets | $182,763,000 | 2,875 |
| Average equity | $18,142,250 | 3,347 |
| Average total loans | $179,903,750 | 2,336 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1824% | 177 |
| Cost of funding earning assets | 1.4178% | 497 |
| Net interest margin | 4.7646% | 439 |
| Noninterest income to average assets | 0.2350% | 4,347 |
| Noninterest expense to average assets | 2.6191% | 3,148 |
| Loan and lease loss provision to assets | 0.1018% | 1,838 |
| Net operating income to assets | 1.5771% | 956 |
| Return on assets (ROA) | 1.5771% | 995 |
| Pretax return on assets | 2.0808% | 579 |
| Return on Equity (ROE) | 16.8731% | 484 |
| Retained earnings to average equity (ytd only) | 10.2047% | 701 |
| Net charge-offs to loans | -0.0011% | 3,904 |
| Credit loss provision to net charge-offs | -9,700.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5455% | 4,410 |
| Assets per employee ($millions) | 6.0548% | 1,504 |
| Cash dividends to net income (ytd only)* | 39.5210% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,710 |
| Loan loss allowance to noncurrent loans | 605.6980% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 3,859 |
| Noncurrent loans to loans | 0.1921% | 3,865 |
| Net loans and leases to total assets | 93.2131% | 12 |
| Net loans and leases to deposits | 115.7880% | 121 |
| Net loans and leases to core deposits | 152.3489% | 122 |
| Total domestic deposits to total assets | 80.5032% | 3,938 |
| Equity capital to assets | 9.4423% | 4,455 |
| Core capital (leverage) ratio | 9.5905% | 4,052 |
| Tier 1 risk-based capital ratio | 10.3385% | 5,160 |
| Total risk-based capital ratio | 11.5410% | 5,095 |
| Memoranda: | ||
| Average total assets | $190,598,330 | 2,954 |
| Average earning assets | $182,680,330 | 2,891 |
| Average equity | $17,815,330 | 3,379 |
| Average total loans | $180,080,000 | 2,342 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1303% | 178 |
| Cost of funding earning assets | 1.3826% | 487 |
| Net interest margin | 4.7477% | 445 |
| Noninterest income to average assets | 0.2307% | 4,360 |
| Noninterest expense to average assets | 2.6368% | 3,100 |
| Loan and lease loss provision to assets | 0.1058% | 1,682 |
| Net operating income to assets | 1.5490% | 1,009 |
| Return on assets (ROA) | 1.5490% | 1,037 |
| Pretax return on assets | 2.0442% | 594 |
| Return on Equity (ROE) | 16.6596% | 509 |
| Retained earnings to average equity (ytd only) | 9.4905% | 1,167 |
| Net charge-offs to loans | 0.0045% | 2,547 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 508.0000% | 149 |
| Efficiency ratio | 55.0840% | 4,423 |
| Assets per employee ($millions) | 5.8622% | 1,654 |
| Cash dividends to net income (ytd only)* | 43.0328% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 93.4597% | 8 |
| Net loans and leases to deposits | 111.5437% | 184 |
| Net loans and leases to core deposits | 150.0175% | 124 |
| Total domestic deposits to total assets | 83.7875% | 3,121 |
| Equity capital to assets | 9.4829% | 4,277 |
| Core capital (leverage) ratio | 9.4107% | 4,244 |
| Tier 1 risk-based capital ratio | 10.3949% | 5,196 |
| Total risk-based capital ratio | 11.6082% | 5,135 |
| Memoranda: | ||
| Average total assets | $189,020,000 | 3,005 |
| Average earning assets | $181,393,500 | 2,938 |
| Average equity | $17,575,500 | 3,402 |
| Average total loans | $178,754,500 | 2,381 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1009% | 145 |
| Cost of funding earning assets | 1.0021% | 740 |
| Net interest margin | 5.0987% | 223 |
| Noninterest income to average assets | 0.2776% | 4,243 |
| Noninterest expense to average assets | 2.7706% | 2,782 |
| Loan and lease loss provision to assets | 0.1119% | 1,972 |
| Net operating income to assets | 1.7192% | 660 |
| Return on assets (ROA) | 1.7192% | 654 |
| Pretax return on assets | 2.2640% | 313 |
| Return on Equity (ROE) | 18.4265% | 354 |
| Retained earnings to average equity (ytd only) | 16.1092% | 86 |
| Net charge-offs to loans | 0.0389% | 2,621 |
| Credit loss provision to net charge-offs | 306.3492% | 1,015 |
| Earnings coverage of net charge-offs (x) | 65.0635% | 976 |
| Efficiency ratio | 53.8349% | 4,634 |
| Assets per employee ($millions) | 5.9516% | 1,559 |
| Cash dividends to net income (ytd only)* | 12.5759% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 2,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 93.5070% | 11 |
| Net loans and leases to deposits | 118.3927% | 112 |
| Net loans and leases to core deposits | 158.9170% | 96 |
| Total domestic deposits to total assets | 78.9803% | 4,315 |
| Equity capital to assets | 9.1163% | 4,476 |
| Core capital (leverage) ratio | 9.4961% | 4,112 |
| Tier 1 risk-based capital ratio | 10.0171% | 5,299 |
| Total risk-based capital ratio | 11.1861% | 5,273 |
| Memoranda: | ||
| Average total assets | $172,526,200 | 3,145 |
| Average earning assets | $164,746,600 | 3,089 |
| Average equity | $16,096,400 | 3,501 |
| Average total loans | $161,912,000 | 2,500 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0828% | 137 |
| Cost of funding earning assets | 0.9187% | 847 |
| Net interest margin | 5.1641% | 193 |
| Noninterest income to average assets | 0.2872% | 4,236 |
| Noninterest expense to average assets | 2.8857% | 2,349 |
| Loan and lease loss provision to assets | 0.0690% | 2,592 |
| Net operating income to assets | 1.7106% | 726 |
| Return on assets (ROA) | 1.7106% | 731 |
| Pretax return on assets | 2.2565% | 367 |
| Return on Equity (ROE) | 18.2167% | 406 |
| Retained earnings to average equity (ytd only) | 17.2281% | 99 |
| Net charge-offs to loans | 0.0534% | 2,059 |
| Credit loss provision to net charge-offs | 138.0952% | 1,824 |
| Earnings coverage of net charge-offs (x) | 46.5226% | 1,228 |
| Efficiency ratio | 55.3745% | 4,462 |
| Assets per employee ($millions) | 5.6007% | 1,827 |
| Cash dividends to net income (ytd only)* | 5.4269% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 92.8641% | 20 |
| Net loans and leases to deposits | 121.2849% | 92 |
| Net loans and leases to core deposits | 164.5333% | 77 |
| Total domestic deposits to total assets | 76.5669% | 4,712 |
| Equity capital to assets | 9.3772% | 4,202 |
| Core capital (leverage) ratio | 9.6296% | 4,016 |
| Tier 1 risk-based capital ratio | 10.3563% | 5,278 |
| Total risk-based capital ratio | 11.5400% | 5,228 |
| Memoranda: | ||
| Average total assets | $168,045,250 | 3,216 |
| Average earning assets | $160,229,500 | 3,163 |
| Average equity | $15,780,000 | 3,559 |
| Average total loans | $157,362,000 | 2,567 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0150% | 137 |
| Cost of funding earning assets | 0.8286% | 1,013 |
| Net interest margin | 5.1863% | 173 |
| Noninterest income to average assets | 0.2872% | 4,259 |
| Noninterest expense to average assets | 2.8931% | 2,372 |
| Loan and lease loss provision to assets | 0.1059% | 1,842 |
| Net operating income to assets | 1.6930% | 729 |
| Return on assets (ROA) | 1.6930% | 737 |
| Pretax return on assets | 2.2322% | 366 |
| Return on Equity (ROE) | 18.0205% | 417 |
| Retained earnings to average equity (ytd only) | 17.2043% | 120 |
| Net charge-offs to loans | 0.0820% | 1,506 |
| Credit loss provision to net charge-offs | 138.0952% | 1,657 |
| Earnings coverage of net charge-offs (x) | 30.4921% | 1,490 |
| Efficiency ratio | 55.3048% | 4,555 |
| Assets per employee ($millions) | 5.3400% | 2,055 |
| Cash dividends to net income (ytd only)* | 4.5291% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 92.5813% | 21 |
| Net loans and leases to deposits | 115.6708% | 164 |
| Net loans and leases to core deposits | 150.1291% | 119 |
| Total domestic deposits to total assets | 80.0386% | 4,231 |
| Equity capital to assets | 9.4277% | 4,167 |
| Core capital (leverage) ratio | 9.7709% | 3,817 |
| Tier 1 risk-based capital ratio | 10.3339% | 5,332 |
| Total risk-based capital ratio | 11.5672% | 5,253 |
| Memoranda: | ||
| Average total assets | $164,320,000 | 3,271 |
| Average earning assets | $156,642,330 | 3,216 |
| Average equity | $15,438,000 | 3,623 |
| Average total loans | $153,698,000 | 2,629 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 146 |
| Cost of funding earning assets | 0.7741% | 1,082 |
| Net interest margin | 5.1789% | 167 |
| Noninterest income to average assets | 0.2856% | 4,262 |
| Noninterest expense to average assets | 2.9111% | 2,323 |
| Loan and lease loss provision to assets | 0.1118% | 1,689 |
| Net operating income to assets | 1.6617% | 749 |
| Return on assets (ROA) | 1.6617% | 753 |
| Pretax return on assets | 2.1982% | 383 |
| Return on Equity (ROE) | 17.7195% | 443 |
| Retained earnings to average equity (ytd only) | 16.2892% | 230 |
| Net charge-offs to loans | -0.0133% | 4,370 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7564% | 4,615 |
| Assets per employee ($millions) | 5.1007% | 2,366 |
| Cash dividends to net income (ytd only)* | 8.0717% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,352 |
| Loan loss allowance to noncurrent loans | 974.0000% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,476 |
| Noncurrent loans to loans | 0.1311% | 4,379 |
| Net loans and leases to total assets | 92.2363% | 24 |
| Net loans and leases to deposits | 110.1478% | 253 |
| Net loans and leases to core deposits | 145.7815% | 157 |
| Total domestic deposits to total assets | 83.7387% | 3,424 |
| Equity capital to assets | 9.4356% | 4,146 |
| Core capital (leverage) ratio | 9.5159% | 4,052 |
| Tier 1 risk-based capital ratio | 10.3713% | 5,394 |
| Total risk-based capital ratio | 11.6219% | 5,313 |
| Memoranda: | ||
| Average total assets | $161,040,000 | 3,343 |
| Average earning assets | $153,468,000 | 3,280 |
| Average equity | $15,102,000 | 3,695 |
| Average total loans | $150,484,500 | 2,681 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6965% | 198 |
| Cost of funding earning assets | 0.5886% | 1,683 |
| Net interest margin | 5.1079% | 190 |
| Noninterest income to average assets | 0.3086% | 4,249 |
| Noninterest expense to average assets | 3.1079% | 1,838 |
| Loan and lease loss provision to assets | 0.0919% | 2,361 |
| Net operating income to assets | 1.2084% | 1,498 |
| Return on assets (ROA) | 1.2084% | 1,526 |
| Pretax return on assets | 1.9652% | 528 |
| Return on Equity (ROE) | 12.7588% | 1,009 |
| Retained earnings to average equity (ytd only) | 9.7692% | 388 |
| Net charge-offs to loans | 0.0109% | 3,707 |
| Credit loss provision to net charge-offs | 913.3333% | 389 |
| Earnings coverage of net charge-offs (x) | 204.4000% | 391 |
| Efficiency ratio | 60.1715% | 4,237 |
| Assets per employee ($millions) | 4.9643% | 2,525 |
| Cash dividends to net income (ytd only)* | 23.4314% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,329 |
| Loan loss allowance to noncurrent loans | 3,061.2903% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,941 |
| Noncurrent loans to loans | 0.0418% | 4,812 |
| Net loans and leases to total assets | 92.2667% | 33 |
| Net loans and leases to deposits | 115.9652% | 152 |
| Net loans and leases to core deposits | 155.6687% | 106 |
| Total domestic deposits to total assets | 79.5641% | 4,430 |
| Equity capital to assets | 9.3184% | 4,412 |
| Core capital (leverage) ratio | 9.5308% | 4,004 |
| Tier 1 risk-based capital ratio | 10.2522% | 5,461 |
| Total risk-based capital ratio | 11.5032% | 5,386 |
| Memoranda: | ||
| Average total assets | $149,039,800 | 3,482 |
| Average earning assets | $141,700,800 | 3,427 |
| Average equity | $14,115,800 | 3,832 |
| Average total loans | $138,136,800 | 2,809 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 211 |
| Cost of funding earning assets | 0.5657% | 1,772 |
| Net interest margin | 5.0655% | 203 |
| Noninterest income to average assets | 0.3220% | 4,236 |
| Noninterest expense to average assets | 3.1489% | 1,675 |
| Loan and lease loss provision to assets | 0.1237% | 1,749 |
| Net operating income to assets | 1.1952% | 1,712 |
| Return on assets (ROA) | 1.1952% | 1,746 |
| Pretax return on assets | 1.8628% | 763 |
| Return on Equity (ROE) | 12.5643% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.5523% | 692 |
| Net charge-offs to loans | 0.0167% | 3,181 |
| Credit loss provision to net charge-offs | 800.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 128.4486% | 602 |
| Efficiency ratio | 61.3177% | 3,996 |
| Assets per employee ($millions) | 4.8478% | 2,628 |
| Cash dividends to net income (ytd only)* | 23.9726% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 92.2459% | 33 |
| Net loans and leases to deposits | 115.8141% | 157 |
| Net loans and leases to core deposits | 156.0671% | 96 |
| Total domestic deposits to total assets | 79.6500% | 4,406 |
| Equity capital to assets | 9.3051% | 4,644 |
| Core capital (leverage) ratio | 9.5438% | 4,102 |
| Tier 1 risk-based capital ratio | 10.0880% | 5,577 |
| Total risk-based capital ratio | 11.3389% | 5,534 |
| Memoranda: | ||
| Average total assets | $146,585,250 | 3,542 |
| Average earning assets | $139,292,500 | 3,492 |
| Average equity | $13,944,000 | 3,889 |
| Average total loans | $135,553,250 | 2,858 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 229 |
| Cost of funding earning assets | 0.5378% | 1,858 |
| Net interest margin | 5.0148% | 213 |
| Noninterest income to average assets | 0.3200% | 4,266 |
| Noninterest expense to average assets | 3.1892% | 1,602 |
| Loan and lease loss provision to assets | 0.0835% | 2,315 |
| Net operating income to assets | 1.1632% | 1,722 |
| Return on assets (ROA) | 1.1632% | 1,764 |
| Pretax return on assets | 1.8089% | 821 |
| Return on Equity (ROE) | 12.1332% | 1,261 |
| Retained earnings to average equity (ytd only) | 10.2610% | 539 |
| Net charge-offs to loans | -0.0106% | 4,556 |
| Credit loss provision to net charge-offs | -857.1429% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7601% | 3,855 |
| Assets per employee ($millions) | 4.7022% | 2,788 |
| Cash dividends to net income (ytd only)* | 15.4306% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,321 |
| Loan loss allowance to noncurrent loans | 940.3061% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 4,665 |
| Noncurrent loans to loans | 0.1402% | 4,556 |
| Net loans and leases to total assets | 91.7099% | 45 |
| Net loans and leases to deposits | 113.7850% | 199 |
| Net loans and leases to core deposits | 151.2987% | 116 |
| Total domestic deposits to total assets | 80.5993% | 4,285 |
| Equity capital to assets | 9.4013% | 4,509 |
| Core capital (leverage) ratio | 9.8117% | 3,763 |
| Tier 1 risk-based capital ratio | 10.1235% | 5,599 |
| Total risk-based capital ratio | 11.3745% | 5,544 |
| Memoranda: | ||
| Average total assets | $143,737,000 | 3,601 |
| Average earning assets | $136,476,670 | 3,547 |
| Average equity | $13,780,330 | 3,923 |
| Average total loans | $132,405,670 | 2,900 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 238 |
| Cost of funding earning assets | 0.5157% | 1,966 |
| Net interest margin | 4.9587% | 239 |
| Noninterest income to average assets | 0.3220% | 4,246 |
| Noninterest expense to average assets | 3.2172% | 1,560 |
| Loan and lease loss provision to assets | 0.0570% | 2,668 |
| Net operating income to assets | 1.1370% | 1,723 |
| Return on assets (ROA) | 1.1370% | 1,758 |
| Pretax return on assets | 1.7610% | 883 |
| Return on Equity (ROE) | 11.7375% | 1,326 |
| Retained earnings to average equity (ytd only) | 9.6782% | 888 |
| Net charge-offs to loans | -0.0062% | 4,248 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8936% | 3,854 |
| Assets per employee ($millions) | 4.3100% | 3,488 |
| Cash dividends to net income (ytd only)* | 17.5439% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,275 |
| Loan loss allowance to noncurrent loans | 242.3181% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 3,151 |
| Noncurrent loans to loans | 0.5604% | 3,125 |
| Net loans and leases to total assets | 91.8267% | 21 |
| Net loans and leases to deposits | 106.8203% | 294 |
| Net loans and leases to core deposits | 137.2676% | 192 |
| Total domestic deposits to total assets | 85.9637% | 2,681 |
| Equity capital to assets | 9.6779% | 4,088 |
| Core capital (leverage) ratio | 9.9594% | 3,555 |
| Tier 1 risk-based capital ratio | 10.3720% | 5,600 |
| Total risk-based capital ratio | 11.6234% | 5,526 |
| Memoranda: | ||
| Average total assets | $140,371,000 | 3,689 |
| Average earning assets | $133,421,000 | 3,636 |
| Average equity | $13,597,500 | 3,978 |
| Average total loans | $128,689,500 | 2,981 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6760% | 199 |
| Cost of funding earning assets | 0.5200% | 1,939 |
| Net interest margin | 5.1559% | 182 |
| Noninterest income to average assets | 0.3631% | 4,146 |
| Noninterest expense to average assets | 3.1840% | 1,834 |
| Loan and lease loss provision to assets | 0.0891% | 2,583 |
| Net operating income to assets | 1.2779% | 1,278 |
| Return on assets (ROA) | 1.2779% | 1,345 |
| Pretax return on assets | 1.9680% | 537 |
| Return on Equity (ROE) | 13.6434% | 837 |
| Retained earnings to average equity (ytd only) | 11.5910% | 248 |
| Net charge-offs to loans | 0.0177% | 3,716 |
| Credit loss provision to net charge-offs | 550.0000% | 609 |
| Earnings coverage of net charge-offs (x) | 126.9545% | 482 |
| Efficiency ratio | 60.7504% | 4,461 |
| Assets per employee ($millions) | 4.4681% | 3,163 |
| Cash dividends to net income (ytd only)* | 15.0432% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,998 |
| Loan loss allowance to noncurrent loans | 2,336.8421% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 5,123 |
| Noncurrent loans to loans | 0.0608% | 4,996 |
| Net loans and leases to total assets | 88.9453% | 97 |
| Net loans and leases to deposits | 102.9429% | 470 |
| Net loans and leases to core deposits | 131.6285% | 265 |
| Total domestic deposits to total assets | 86.4025% | 2,412 |
| Equity capital to assets | 9.6960% | 4,077 |
| Core capital (leverage) ratio | 9.5946% | 3,971 |
| Tier 1 risk-based capital ratio | 10.7545% | 5,461 |
| Total risk-based capital ratio | 12.0068% | 5,357 |
| Memoranda: | ||
| Average total assets | $135,770,600 | 3,734 |
| Average earning assets | $128,454,000 | 3,679 |
| Average equity | $12,716,800 | 4,133 |
| Average total loans | $124,512,000 | 3,000 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6433% | 207 |
| Cost of funding earning assets | 0.5159% | 1,971 |
| Net interest margin | 5.1275% | 200 |
| Noninterest income to average assets | 0.3731% | 4,109 |
| Noninterest expense to average assets | 3.1515% | 1,896 |
| Loan and lease loss provision to assets | 0.1194% | 1,941 |
| Net operating income to assets | 1.2545% | 1,440 |
| Return on assets (ROA) | 1.2545% | 1,544 |
| Pretax return on assets | 1.9483% | 640 |
| Return on Equity (ROE) | 13.5153% | 919 |
| Retained earnings to average equity (ytd only) | 11.4312% | 368 |
| Net charge-offs to loans | 0.0236% | 3,203 |
| Credit loss provision to net charge-offs | 550.0000% | 657 |
| Earnings coverage of net charge-offs (x) | 95.2356% | 688 |
| Efficiency ratio | 60.3820% | 4,486 |
| Assets per employee ($millions) | 4.4699% | 3,129 |
| Cash dividends to net income (ytd only)* | 15.4212% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 2,283 |
| Loan loss allowance to noncurrent loans | 1,951.6484% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 5,180 |
| Noncurrent loans to loans | 0.0708% | 5,065 |
| Net loans and leases to total assets | 91.5030% | 36 |
| Net loans and leases to deposits | 107.7778% | 312 |
| Net loans and leases to core deposits | 136.7177% | 221 |
| Total domestic deposits to total assets | 84.8996% | 2,850 |
| Equity capital to assets | 9.4468% | 4,715 |
| Core capital (leverage) ratio | 9.5018% | 4,179 |
| Tier 1 risk-based capital ratio | 10.2841% | 5,707 |
| Total risk-based capital ratio | 11.5359% | 5,636 |
| Memoranda: | ||
| Average total assets | $135,085,500 | 3,770 |
| Average earning assets | $127,675,500 | 3,708 |
| Average equity | $12,538,500 | 4,202 |
| Average total loans | $124,396,250 | 3,009 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 203 |
| Cost of funding earning assets | 0.5116% | 2,014 |
| Net interest margin | 5.1361% | 194 |
| Noninterest income to average assets | 0.3509% | 4,269 |
| Noninterest expense to average assets | 3.1241% | 1,997 |
| Loan and lease loss provision to assets | 0.1807% | 1,208 |
| Net operating income to assets | 1.2186% | 1,536 |
| Return on assets (ROA) | 1.2186% | 1,634 |
| Pretax return on assets | 1.8891% | 717 |
| Return on Equity (ROE) | 13.2096% | 977 |
| Retained earnings to average equity (ytd only) | 11.1375% | 425 |
| Net charge-offs to loans | -0.0016% | 4,352 |
| Credit loss provision to net charge-offs | -12,100.0000% | 5,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1495% | 4,621 |
| Assets per employee ($millions) | 4.2118% | 3,539 |
| Cash dividends to net income (ytd only)* | 15.6863% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,080 |
| Loan loss allowance to noncurrent loans | 5,291.1765% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,853 |
| Noncurrent loans to loans | 0.0273% | 5,360 |
| Net loans and leases to total assets | 90.9651% | 41 |
| Net loans and leases to deposits | 104.7926% | 426 |
| Net loans and leases to core deposits | 131.9784% | 277 |
| Total domestic deposits to total assets | 86.8049% | 2,010 |
| Equity capital to assets | 9.4311% | 4,840 |
| Core capital (leverage) ratio | 9.3468% | 4,398 |
| Tier 1 risk-based capital ratio | 10.2970% | 5,762 |
| Total risk-based capital ratio | 11.5495% | 5,677 |
| Memoranda: | ||
| Average total assets | $133,925,330 | 3,813 |
| Average earning assets | $126,281,670 | 3,756 |
| Average equity | $12,354,670 | 4,259 |
| Average total loans | $123,005,670 | 3,035 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 217 |
| Cost of funding earning assets | 0.5124% | 2,004 |
| Net interest margin | 5.1115% | 200 |
| Noninterest income to average assets | 0.3506% | 4,220 |
| Noninterest expense to average assets | 3.0892% | 2,126 |
| Loan and lease loss provision to assets | 0.1798% | 1,126 |
| Net operating income to assets | 1.2225% | 1,484 |
| Return on assets (ROA) | 1.2225% | 1,590 |
| Pretax return on assets | 1.8936% | 704 |
| Return on Equity (ROE) | 13.4029% | 943 |
| Retained earnings to average equity (ytd only) | 10.9720% | 657 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8375% | 4,770 |
| Assets per employee ($millions) | 4.0969% | 3,777 |
| Cash dividends to net income (ytd only)* | 18.1373% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 2,416 |
| Loan loss allowance to noncurrent loans | 3,618.7500% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,909 |
| Noncurrent loans to loans | 0.0387% | 5,340 |
| Net loans and leases to total assets | 90.4089% | 56 |
| Net loans and leases to deposits | 105.2763% | 367 |
| Net loans and leases to core deposits | 133.5785% | 231 |
| Total domestic deposits to total assets | 85.8777% | 2,721 |
| Equity capital to assets | 9.1348% | 5,052 |
| Core capital (leverage) ratio | 9.2670% | 4,528 |
| Tier 1 risk-based capital ratio | 10.0481% | 5,901 |
| Total risk-based capital ratio | 11.3000% | 5,841 |
| Memoranda: | ||
| Average total assets | $133,499,500 | 3,848 |
| Average earning assets | $125,676,500 | 3,795 |
| Average equity | $12,176,500 | 4,303 |
| Average total loans | $122,309,000 | 3,051 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7493% | 185 |
| Cost of funding earning assets | 0.4980% | 2,174 |
| Net interest margin | 5.2513% | 172 |
| Noninterest income to average assets | 0.2507% | 5,096 |
| Noninterest expense to average assets | 3.3585% | 1,582 |
| Loan and lease loss provision to assets | 0.2637% | 705 |
| Net operating income to assets | 0.9939% | 2,395 |
| Return on assets (ROA) | 0.9939% | 2,490 |
| Pretax return on assets | 1.5295% | 1,465 |
| Return on Equity (ROE) | 10.7030% | 1,726 |
| Retained earnings to average equity (ytd only) | 9.9492% | 466 |
| Net charge-offs to loans | 0.0472% | 3,273 |
| Credit loss provision to net charge-offs | 623.0769% | 547 |
| Earnings coverage of net charge-offs (x) | 42.3654% | 1,123 |
| Efficiency ratio | 65.1920% | 4,050 |
| Assets per employee ($millions) | 4.1188% | 3,723 |
| Cash dividends to net income (ytd only)* | 7.0434% | 4,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 4,017 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 90.2671% | 58 |
| Net loans and leases to deposits | 107.2757% | 319 |
| Net loans and leases to core deposits | 136.8906% | 200 |
| Total domestic deposits to total assets | 84.1450% | 3,427 |
| Equity capital to assets | 9.1069% | 5,011 |
| Core capital (leverage) ratio | 9.1319% | 4,711 |
| Tier 1 risk-based capital ratio | 10.0630% | 5,939 |
| Total risk-based capital ratio | 11.3147% | 5,873 |
| Memoranda: | ||
| Average total assets | $122,854,000 | 4,029 |
| Average earning assets | $114,656,600 | 3,988 |
| Average equity | $11,408,000 | 4,405 |
| Average total loans | $110,174,200 | 3,196 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 190 |
| Cost of funding earning assets | 0.4917% | 2,300 |
| Net interest margin | 5.2351% | 174 |
| Noninterest income to average assets | 0.2576% | 5,095 |
| Noninterest expense to average assets | 3.3958% | 1,487 |
| Loan and lease loss provision to assets | 0.3007% | 489 |
| Net operating income to assets | 0.9341% | 2,784 |
| Return on assets (ROA) | 0.9341% | 2,879 |
| Pretax return on assets | 1.4337% | 1,892 |
| Return on Equity (ROE) | 10.0064% | 2,103 |
| Retained earnings to average equity (ytd only) | 9.2603% | 808 |
| Net charge-offs to loans | 0.0645% | 2,657 |
| Credit loss provision to net charge-offs | 523.0769% | 630 |
| Earnings coverage of net charge-offs (x) | 30.1738% | 1,488 |
| Efficiency ratio | 66.1926% | 3,866 |
| Assets per employee ($millions) | 3.9122% | 4,054 |
| Cash dividends to net income (ytd only)* | 7.4558% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 2,754 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 88.7762% | 102 |
| Net loans and leases to deposits | 103.6948% | 461 |
| Net loans and leases to core deposits | 133.5697% | 230 |
| Total domestic deposits to total assets | 85.6130% | 2,730 |
| Equity capital to assets | 9.3147% | 4,986 |
| Core capital (leverage) ratio | 9.3179% | 4,562 |
| Tier 1 risk-based capital ratio | 10.2824% | 5,952 |
| Total risk-based capital ratio | 11.5347% | 5,892 |
| Memoranda: | ||
| Average total assets | $120,617,250 | 4,106 |
| Average earning assets | $112,265,250 | 4,078 |
| Average equity | $11,259,250 | 4,484 |
| Average total loans | $107,555,250 | 3,271 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 193 |
| Cost of funding earning assets | 0.4426% | 2,808 |
| Net interest margin | 5.2648% | 170 |
| Noninterest income to average assets | 0.1696% | 5,689 |
| Noninterest expense to average assets | 3.4242% | 1,431 |
| Loan and lease loss provision to assets | 0.3292% | 422 |
| Net operating income to assets | 0.8548% | 3,111 |
| Return on assets (ROA) | 0.8548% | 3,213 |
| Pretax return on assets | 1.3099% | 2,324 |
| Return on Equity (ROE) | 9.1503% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.5750% | 1,053 |
| Net charge-offs to loans | 0.0964% | 2,053 |
| Credit loss provision to net charge-offs | 384.3137% | 766 |
| Earnings coverage of net charge-offs (x) | 19.1373% | 1,766 |
| Efficiency ratio | 67.6285% | 3,727 |
| Assets per employee ($millions) | 3.5045% | 4,779 |
| Cash dividends to net income (ytd only)* | 6.2868% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 2,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 2,751 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 88.5886% | 111 |
| Net loans and leases to deposits | 104.3342% | 433 |
| Net loans and leases to core deposits | 135.0529% | 208 |
| Total domestic deposits to total assets | 84.9085% | 3,156 |
| Equity capital to assets | 9.5365% | 4,603 |
| Core capital (leverage) ratio | 9.3839% | 4,446 |
| Tier 1 risk-based capital ratio | 10.5448% | 5,903 |
| Total risk-based capital ratio | 11.7974% | 5,850 |
| Memoranda: | ||
| Average total assets | $119,093,330 | 4,173 |
| Average earning assets | $110,697,330 | 4,138 |
| Average equity | $11,125,330 | 4,541 |
| Average total loans | $105,819,330 | 3,330 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 214 |
| Cost of funding earning assets | 0.4425% | 2,856 |
| Net interest margin | 5.1899% | 180 |
| Noninterest income to average assets | 0.1344% | 5,931 |
| Noninterest expense to average assets | 3.4570% | 1,396 |
| Loan and lease loss provision to assets | 0.4031% | 284 |
| Net operating income to assets | 0.7122% | 3,740 |
| Return on assets (ROA) | 0.7122% | 3,866 |
| Pretax return on assets | 1.0818% | 3,153 |
| Return on Equity (ROE) | 7.7045% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.5592% | 1,735 |
| Net charge-offs to loans | 0.1940% | 1,156 |
| Credit loss provision to net charge-offs | 235.2941% | 950 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,070 |
| Efficiency ratio | 69.9524% | 3,498 |
| Assets per employee ($millions) | 3.4781% | 4,933 |
| Cash dividends to net income (ytd only)* | 1.8868% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 2,862 |
| Loan loss allowance to noncurrent loans | 2,948.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 1,671 |
| Noncurrent loans to loans | 0.0479% | 5,592 |
| Net loans and leases to total assets | 87.0080% | 142 |
| Net loans and leases to deposits | 100.0944% | 558 |
| Net loans and leases to core deposits | 132.8646% | 217 |
| Total domestic deposits to total assets | 86.9259% | 2,411 |
| Equity capital to assets | 9.3965% | 4,861 |
| Core capital (leverage) ratio | 9.1291% | 4,813 |
| Tier 1 risk-based capital ratio | 10.4604% | 6,025 |
| Total risk-based capital ratio | 11.7124% | 5,975 |
| Memoranda: | ||
| Average total assets | $119,063,500 | 4,199 |
| Average earning assets | $110,290,500 | 4,177 |
| Average equity | $11,006,500 | 4,596 |
| Average total loans | $105,176,000 | 3,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6743% | 240 |
| Cost of funding earning assets | 0.4418% | 3,255 |
| Net interest margin | 5.2326% | 199 |
| Noninterest income to average assets | 0.3413% | 4,662 |
| Noninterest expense to average assets | 3.8181% | 966 |
| Loan and lease loss provision to assets | 0.2116% | 1,179 |
| Net operating income to assets | 0.7688% | 3,522 |
| Return on assets (ROA) | 0.7688% | 3,628 |
| Pretax return on assets | 1.1589% | 2,827 |
| Return on Equity (ROE) | 8.6964% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.6964% | 773 |
| Net charge-offs to loans | 0.2295% | 1,832 |
| Credit loss provision to net charge-offs | 105.1948% | 2,281 |
| Earnings coverage of net charge-offs (x) | 6.8139% | 3,135 |
| Efficiency ratio | 73.5862% | 2,910 |
| Assets per employee ($millions) | 3.5256% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 3,290 |
| Loan loss allowance to noncurrent loans | 1,089.1473% | 547 |
| Noncurrent assets plus other real estate owned to assets | 1.6593% | 1,619 |
| Noncurrent loans to loans | 0.1217% | 5,411 |
| Net loans and leases to total assets | 87.2445% | 147 |
| Net loans and leases to deposits | 103.7202% | 444 |
| Net loans and leases to core deposits | 140.5267% | 162 |
| Total domestic deposits to total assets | 84.1153% | 3,659 |
| Equity capital to assets | 9.0940% | 5,188 |
| Core capital (leverage) ratio | 8.9262% | 5,090 |
| Tier 1 risk-based capital ratio | 10.0377% | 6,253 |
| Total risk-based capital ratio | 11.2883% | 6,198 |
| Memoranda: | ||
| Average total assets | $114,848,000 | 4,279 |
| Average earning assets | $106,391,400 | 4,258 |
| Average equity | $10,153,600 | 4,726 |
| Average total loans | $100,652,400 | 3,407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 258 |
| Cost of funding earning assets | 0.4305% | 3,461 |
| Net interest margin | 5.1957% | 206 |
| Noninterest income to average assets | 0.3286% | 4,808 |
| Noninterest expense to average assets | 3.7666% | 1,015 |
| Loan and lease loss provision to assets | 0.2841% | 716 |
| Net operating income to assets | 0.7195% | 3,841 |
| Return on assets (ROA) | 0.7195% | 3,946 |
| Pretax return on assets | 1.0939% | 3,212 |
| Return on Equity (ROE) | 8.2004% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.2004% | 1,265 |
| Net charge-offs to loans | 0.0336% | 3,814 |
| Credit loss provision to net charge-offs | 968.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 46.9634% | 1,017 |
| Efficiency ratio | 73.2147% | 2,953 |
| Assets per employee ($millions) | 3.5328% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 2,744 |
| Loan loss allowance to noncurrent loans | 166.1507% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.9315% | 1,508 |
| Noncurrent loans to loans | 0.8999% | 3,312 |
| Net loans and leases to total assets | 88.3029% | 101 |
| Net loans and leases to deposits | 105.2692% | 355 |
| Net loans and leases to core deposits | 143.6417% | 133 |
| Total domestic deposits to total assets | 83.8829% | 3,804 |
| Equity capital to assets | 8.8573% | 5,503 |
| Core capital (leverage) ratio | 8.9185% | 5,173 |
| Tier 1 risk-based capital ratio | 9.7677% | 6,392 |
| Total risk-based capital ratio | 11.0205% | 6,365 |
| Memoranda: | ||
| Average total assets | $113,592,500 | 4,342 |
| Average earning assets | $105,290,500 | 4,324 |
| Average equity | $9,966,750 | 4,796 |
| Average total loans | $99,319,250 | 3,458 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 255 |
| Cost of funding earning assets | 0.4255% | 3,600 |
| Net interest margin | 5.1967% | 202 |
| Noninterest income to average assets | 0.2962% | 5,043 |
| Noninterest expense to average assets | 3.7139% | 1,118 |
| Loan and lease loss provision to assets | 0.3141% | 610 |
| Net operating income to assets | 0.7037% | 3,823 |
| Return on assets (ROA) | 0.7037% | 3,912 |
| Pretax return on assets | 1.0698% | 3,211 |
| Return on Equity (ROE) | 8.0471% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.0471% | 1,313 |
| Net charge-offs to loans | 0.0518% | 3,230 |
| Credit loss provision to net charge-offs | 700.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 30.8400% | 1,234 |
| Efficiency ratio | 72.8521% | 3,183 |
| Assets per employee ($millions) | 3.4592% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 2,696 |
| Loan loss allowance to noncurrent loans | 160.6250% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 2.0858% | 1,502 |
| Noncurrent loans to loans | 0.9615% | 3,319 |
| Net loans and leases to total assets | 86.1106% | 169 |
| Net loans and leases to deposits | 101.7599% | 463 |
| Net loans and leases to core deposits | 129.7273% | 229 |
| Total domestic deposits to total assets | 84.6214% | 3,674 |
| Equity capital to assets | 8.8461% | 5,473 |
| Core capital (leverage) ratio | 8.6262% | 5,503 |
| Tier 1 risk-based capital ratio | 9.9429% | 6,417 |
| Total risk-based capital ratio | 11.1962% | 6,372 |
| Memoranda: | ||
| Average total assets | $111,418,330 | 4,419 |
| Average earning assets | $102,949,670 | 4,389 |
| Average equity | $9,742,670 | 4,855 |
| Average total loans | $96,534,000 | 3,530 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 309 |
| Cost of funding earning assets | 0.4170% | 3,795 |
| Net interest margin | 5.0436% | 248 |
| Noninterest income to average assets | 0.2181% | 5,609 |
| Noninterest expense to average assets | 3.6746% | 1,167 |
| Loan and lease loss provision to assets | 0.3598% | 484 |
| Net operating income to assets | 0.5634% | 4,393 |
| Return on assets (ROA) | 0.5634% | 4,471 |
| Pretax return on assets | 0.8432% | 3,927 |
| Return on Equity (ROE) | 6.4820% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.4820% | 2,295 |
| Net charge-offs to loans | 0.1054% | 2,128 |
| Credit loss provision to net charge-offs | 396.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 1,675 |
| Efficiency ratio | 75.3353% | 2,899 |
| Assets per employee ($millions) | 3.5357% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 3,118 |
| Loan loss allowance to noncurrent loans | 154.9102% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 2.0929% | 1,606 |
| Noncurrent loans to loans | 0.9728% | 3,482 |
| Net loans and leases to total assets | 84.7414% | 199 |
| Net loans and leases to deposits | 98.4192% | 515 |
| Net loans and leases to core deposits | 125.8783% | 229 |
| Total domestic deposits to total assets | 86.1025% | 3,310 |
| Equity capital to assets | 8.6572% | 5,489 |
| Core capital (leverage) ratio | 8.6299% | 5,493 |
| Tier 1 risk-based capital ratio | 9.9372% | 6,491 |
| Total risk-based capital ratio | 11.1904% | 6,467 |
| Memoranda: | ||
| Average total assets | $110,051,500 | 4,487 |
| Average earning assets | $101,672,500 | 4,463 |
| Average equity | $9,565,000 | 4,920 |
| Average total loans | $94,881,500 | 3,586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 454 |
| Cost of funding earning assets | 0.3434% | 5,208 |
| Net interest margin | 5.0385% | 295 |
| Noninterest income to average assets | 0.5307% | 3,545 |
| Noninterest expense to average assets | 3.7496% | 1,214 |
| Loan and lease loss provision to assets | 0.4291% | 684 |
| Net operating income to assets | 0.7222% | 3,689 |
| Return on assets (ROA) | 0.7159% | 3,802 |
| Pretax return on assets | 1.0026% | 3,337 |
| Return on Equity (ROE) | 8.1984% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.1984% | 991 |
| Net charge-offs to loans | 0.1418% | 3,386 |
| Credit loss provision to net charge-offs | 365.2542% | 628 |
| Earnings coverage of net charge-offs (x) | 12.2627% | 2,142 |
| Efficiency ratio | 72.2425% | 3,431 |
| Assets per employee ($millions) | 3.3425% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,142 |
| Loan loss allowance to noncurrent loans | 109.6850% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.6028% | 1,305 |
| Noncurrent loans to loans | 1.3742% | 2,840 |
| Net loans and leases to total assets | 85.1010% | 197 |
| Net loans and leases to deposits | 98.7738% | 550 |
| Net loans and leases to core deposits | 127.0203% | 228 |
| Total domestic deposits to total assets | 86.1574% | 3,173 |
| Equity capital to assets | 8.7276% | 5,336 |
| Core capital (leverage) ratio | 8.6826% | 5,435 |
| Tier 1 risk-based capital ratio | 9.9086% | 6,538 |
| Total risk-based capital ratio | 11.1619% | 6,503 |
| Memoranda: | ||
| Average total assets | $100,437,800 | 4,730 |
| Average earning assets | $92,885,600 | 4,704 |
| Average equity | $8,770,000 | 5,149 |
| Average total loans | $83,213,800 | 3,844 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 496 |
| Cost of funding earning assets | 0.3272% | 5,490 |
| Net interest margin | 5.0107% | 311 |
| Noninterest income to average assets | 0.5546% | 3,424 |
| Noninterest expense to average assets | 3.7068% | 1,234 |
| Loan and lease loss provision to assets | 0.5344% | 500 |
| Net operating income to assets | 0.6570% | 4,085 |
| Return on assets (ROA) | 0.6504% | 4,245 |
| Pretax return on assets | 0.9324% | 3,755 |
| Return on Equity (ROE) | 7.4478% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.4478% | 1,672 |
| Net charge-offs to loans | 0.2109% | 2,561 |
| Credit loss provision to net charge-offs | 309.3750% | 826 |
| Earnings coverage of net charge-offs (x) | 8.5470% | 2,609 |
| Efficiency ratio | 71.5178% | 3,505 |
| Assets per employee ($millions) | 3.1337% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,438 |
| Loan loss allowance to noncurrent loans | 158.2160% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.7767% | 2,306 |
| Noncurrent loans to loans | 0.9503% | 3,916 |
| Net loans and leases to total assets | 82.8844% | 301 |
| Net loans and leases to deposits | 96.9491% | 628 |
| Net loans and leases to core deposits | 122.6596% | 283 |
| Total domestic deposits to total assets | 85.4927% | 3,497 |
| Equity capital to assets | 8.5343% | 5,695 |
| Core capital (leverage) ratio | 8.5788% | 5,689 |
| Tier 1 risk-based capital ratio | 9.9394% | 6,607 |
| Total risk-based capital ratio | 11.1920% | 6,577 |
| Memoranda: | ||
| Average total assets | $98,807,250 | 4,814 |
| Average earning assets | $91,269,000 | 4,780 |
| Average equity | $8,628,750 | 5,232 |
| Average total loans | $80,913,000 | 3,942 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 581 |
| Cost of funding earning assets | 0.2971% | 5,850 |
| Net interest margin | 4.9533% | 334 |
| Noninterest income to average assets | 0.5445% | 3,543 |
| Noninterest expense to average assets | 3.8243% | 1,064 |
| Loan and lease loss provision to assets | 0.7067% | 329 |
| Net operating income to assets | 0.4368% | 5,073 |
| Return on assets (ROA) | 0.4261% | 5,279 |
| Pretax return on assets | 0.5736% | 5,118 |
| Return on Equity (ROE) | 4.8383% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.8383% | 3,155 |
| Net charge-offs to loans | 0.2385% | 2,291 |
| Credit loss provision to net charge-offs | 365.5914% | 713 |
| Earnings coverage of net charge-offs (x) | 6.6989% | 2,673 |
| Efficiency ratio | 74.7056% | 2,988 |
| Assets per employee ($millions) | 3.0513% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,461 |
| Loan loss allowance to noncurrent loans | 84.4148% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 2,309 |
| Noncurrent loans to loans | 1.8065% | 2,632 |
| Net loans and leases to total assets | 82.5995% | 317 |
| Net loans and leases to deposits | 96.9871% | 606 |
| Net loans and leases to core deposits | 108.5987% | 622 |
| Total domestic deposits to total assets | 85.1654% | 3,816 |
| Equity capital to assets | 8.5316% | 5,739 |
| Core capital (leverage) ratio | 8.7216% | 5,386 |
| Tier 1 risk-based capital ratio | 10.1787% | 6,595 |
| Total risk-based capital ratio | 11.4321% | 6,568 |
| Memoranda: | ||
| Average total assets | $96,227,670 | 4,909 |
| Average earning assets | $88,870,670 | 4,873 |
| Average equity | $8,474,000 | 5,316 |
| Average total loans | $77,998,000 | 4,042 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 691 |
| Cost of funding earning assets | 0.2725% | 6,146 |
| Net interest margin | 4.8669% | 358 |
| Noninterest income to average assets | 0.5018% | 3,755 |
| Noninterest expense to average assets | 3.7548% | 1,170 |
| Loan and lease loss provision to assets | 0.4326% | 681 |
| Net operating income to assets | 0.5710% | 4,356 |
| Return on assets (ROA) | 0.5710% | 4,505 |
| Pretax return on assets | 0.7959% | 4,186 |
| Return on Equity (ROE) | 6.3726% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.3726% | 2,469 |
| Net charge-offs to loans | 0.2014% | 2,211 |
| Credit loss provision to net charge-offs | 270.2703% | 871 |
| Earnings coverage of net charge-offs (x) | 7.6757% | 2,036 |
| Efficiency ratio | 75.3472% | 3,036 |
| Assets per employee ($millions) | 2.8374% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 3,759 |
| Loan loss allowance to noncurrent loans | 69.2727% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.2994% | 2,024 |
| Noncurrent loans to loans | 2.1867% | 2,405 |
| Net loans and leases to total assets | 79.3656% | 483 |
| Net loans and leases to deposits | 94.3706% | 647 |
| Net loans and leases to core deposits | 108.6573% | 542 |
| Total domestic deposits to total assets | 84.1000% | 4,431 |
| Equity capital to assets | 8.9133% | 5,597 |
| Core capital (leverage) ratio | 8.9033% | 5,052 |
| Tier 1 risk-based capital ratio | 10.9445% | 6,430 |
| Total risk-based capital ratio | 12.2042% | 6,396 |
| Memoranda: | ||
| Average total assets | $92,469,500 | 5,041 |
| Average earning assets | $85,146,500 | 5,005 |
| Average equity | $8,285,500 | 5,417 |
| Average total loans | $73,487,500 | 4,217 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 1,811 |
| Cost of funding earning assets | 0.4987% | 5,227 |
| Net interest margin | 4.4109% | 1,142 |
| Noninterest income to average assets | 0.6451% | 3,023 |
| Noninterest expense to average assets | 3.5601% | 1,701 |
| Loan and lease loss provision to assets | 0.7501% | 667 |
| Net operating income to assets | 0.5498% | 4,479 |
| Return on assets (ROA) | 0.5559% | 4,704 |
| Pretax return on assets | 0.4581% | 5,404 |
| Return on Equity (ROE) | 5.5772% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,370 |
| Net charge-offs to loans | 0.6375% | 1,837 |
| Credit loss provision to net charge-offs | 166.8478% | 1,591 |
| Earnings coverage of net charge-offs (x) | 2.6739% | 4,092 |
| Efficiency ratio | 74.7563% | 2,938 |
| Assets per employee ($millions) | 2.9453% | 6,089 |
| Cash dividends to net income (ytd only)* | 27.4725% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 3,705 |
| Loan loss allowance to noncurrent loans | 81.7562% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.1215% | 2,308 |
| Noncurrent loans to loans | 1.8471% | 2,864 |
| Net loans and leases to total assets | 77.1467% | 775 |
| Net loans and leases to deposits | 100.3533% | 400 |
| Net loans and leases to core deposits | 112.2357% | 460 |
| Total domestic deposits to total assets | 76.8751% | 6,246 |
| Equity capital to assets | 9.0084% | 5,515 |
| Core capital (leverage) ratio | 9.4645% | 4,159 |
| Tier 1 risk-based capital ratio | 11.4520% | 6,135 |
| Total risk-based capital ratio | 12.7060% | 6,097 |
| Memoranda: | ||
| Average total assets | $81,851,400 | 5,301 |
| Average earning assets | $76,402,400 | 5,227 |
| Average equity | $8,158,200 | 5,456 |
| Average total loans | $57,724,800 | 4,809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 2,421 |
| Cost of funding earning assets | 0.5688% | 4,923 |
| Net interest margin | 4.2228% | 1,673 |
| Noninterest income to average assets | 0.6575% | 2,953 |
| Noninterest expense to average assets | 3.3597% | 2,105 |
| Loan and lease loss provision to assets | 0.5871% | 959 |
| Net operating income to assets | 0.7565% | 3,665 |
| Return on assets (ROA) | 0.7649% | 3,878 |
| Pretax return on assets | 0.6793% | 4,922 |
| Return on Equity (ROE) | 7.4677% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.4206% | 3,086 |
| Net charge-offs to loans | 0.8499% | 1,296 |
| Credit loss provision to net charge-offs | 101.1561% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.1676% | 4,177 |
| Efficiency ratio | 72.7570% | 3,193 |
| Assets per employee ($millions) | 3.1757% | 5,681 |
| Cash dividends to net income (ytd only)* | 27.4121% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,595 |
| Loan loss allowance to noncurrent loans | 79.2810% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6593% | 3,095 |
| Noncurrent loans to loans | 1.7004% | 3,234 |
| Net loans and leases to total assets | 74.2730% | 1,210 |
| Net loans and leases to deposits | 90.7349% | 1,074 |
| Net loans and leases to core deposits | 102.5485% | 956 |
| Total domestic deposits to total assets | 81.8572% | 5,068 |
| Equity capital to assets | 9.9919% | 4,504 |
| Core capital (leverage) ratio | 9.8021% | 3,815 |
| Tier 1 risk-based capital ratio | 14.5153% | 4,174 |
| Total risk-based capital ratio | 15.7689% | 4,142 |
| Memoranda: | ||
| Average total assets | $79,488,250 | 5,416 |
| Average earning assets | $74,546,000 | 5,349 |
| Average equity | $8,141,500 | 5,512 |
| Average total loans | $54,276,500 | 4,987 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 2,458 |
| Cost of funding earning assets | 0.6467% | 4,473 |
| Net interest margin | 4.1640% | 1,854 |
| Noninterest income to average assets | 0.6500% | 2,957 |
| Noninterest expense to average assets | 3.2194% | 2,527 |
| Loan and lease loss provision to assets | 0.4384% | 1,481 |
| Net operating income to assets | 0.8412% | 3,191 |
| Return on assets (ROA) | 0.8412% | 3,454 |
| Pretax return on assets | 0.8820% | 4,153 |
| Return on Equity (ROE) | 8.1428% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.0584% | 3,252 |
| Net charge-offs to loans | 0.0232% | 5,074 |
| Credit loss provision to net charge-offs | 2,866.6667% | 107 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 475 |
| Efficiency ratio | 70.9152% | 3,615 |
| Assets per employee ($millions) | 3.5895% | 4,769 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 2,720 |
| Loan loss allowance to noncurrent loans | 76.1615% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.9768% | 2,804 |
| Noncurrent loans to loans | 2.4220% | 2,480 |
| Net loans and leases to total assets | 64.4541% | 2,944 |
| Net loans and leases to deposits | 73.7908% | 3,324 |
| Net loans and leases to core deposits | 83.9187% | 2,698 |
| Total domestic deposits to total assets | 87.3471% | 2,567 |
| Equity capital to assets | 9.9942% | 4,345 |
| Core capital (leverage) ratio | 9.9754% | 3,455 |
| Tier 1 risk-based capital ratio | 15.1258% | 3,684 |
| Total risk-based capital ratio | 16.3837% | 3,647 |
| Memoranda: | ||
| Average total assets | $78,462,000 | 5,481 |
| Average earning assets | $73,294,330 | 5,424 |
| Average equity | $8,105,330 | 5,536 |
| Average total loans | $51,647,670 | 5,116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 1,978 |
| Cost of funding earning assets | 0.7130% | 4,172 |
| Net interest margin | 4.2612% | 1,585 |
| Noninterest income to average assets | 0.6753% | 2,778 |
| Noninterest expense to average assets | 3.4496% | 1,876 |
| Loan and lease loss provision to assets | 0.5444% | 1,087 |
| Net operating income to assets | 0.6229% | 4,246 |
| Return on assets (ROA) | 0.6229% | 4,456 |
| Pretax return on assets | 0.6543% | 4,928 |
| Return on Equity (ROE) | 5.9259% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.9259% | 3,004 |
| Net charge-offs to loans | 0.0238% | 4,355 |
| Credit loss provision to net charge-offs | 3,466.6667% | 79 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 440 |
| Efficiency ratio | 74.2117% | 3,070 |
| Assets per employee ($millions) | 3.3999% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,803 |
| Loan loss allowance to noncurrent loans | 80.2575% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.9029% | 3,041 |
| Noncurrent loans to loans | 2.3200% | 2,790 |
| Net loans and leases to total assets | 63.0208% | 3,041 |
| Net loans and leases to deposits | 72.8675% | 3,286 |
| Net loans and leases to core deposits | 80.9398% | 2,955 |
| Total domestic deposits to total assets | 86.4869% | 3,252 |
| Equity capital to assets | 10.3494% | 3,673 |
| Core capital (leverage) ratio | 10.1680% | 3,150 |
| Tier 1 risk-based capital ratio | 16.8640% | 2,730 |
| Total risk-based capital ratio | 18.1238% | 2,681 |
| Memoranda: | ||
| Average total assets | $76,414,000 | 5,581 |
| Average earning assets | $71,247,500 | 5,521 |
| Average equity | $8,032,500 | 5,586 |
| Average total loans | $50,365,500 | 5,213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 2,634 |
| Cost of funding earning assets | 0.8993% | 4,119 |
| Net interest margin | 4.1552% | 2,213 |
| Noninterest income to average assets | 0.7604% | 2,278 |
| Noninterest expense to average assets | 3.6523% | 1,633 |
| Loan and lease loss provision to assets | 1.0703% | 853 |
| Net operating income to assets | -0.1927% | 6,252 |
| Return on assets (ROA) | -0.1602% | 6,287 |
| Pretax return on assets | -0.1393% | 6,234 |
| Return on Equity (ROE) | -1.4890% | 6,295 |
| Retained earnings to average equity (ytd only) | -1.4890% | 6,091 |
| Net charge-offs to loans | 1.9071% | 752 |
| Credit loss provision to net charge-offs | 86.3445% | 4,187 |
| Earnings coverage of net charge-offs (x) | 0.7248% | 5,269 |
| Efficiency ratio | 80.2575% | 2,271 |
| Assets per employee ($millions) | 3.1096% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 3,374 |
| Loan loss allowance to noncurrent loans | 73.5450% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9965% | 2,964 |
| Noncurrent loans to loans | 2.2449% | 2,902 |
| Net loans and leases to total assets | 66.5697% | 2,670 |
| Net loans and leases to deposits | 77.6059% | 2,899 |
| Net loans and leases to core deposits | 86.6172% | 2,557 |
| Total domestic deposits to total assets | 85.7792% | 3,442 |
| Equity capital to assets | 10.6820% | 3,321 |
| Core capital (leverage) ratio | 10.0697% | 3,258 |
| Tier 1 risk-based capital ratio | 16.9211% | 2,638 |
| Total risk-based capital ratio | 18.1786% | 2,597 |
| Memoranda: | ||
| Average total assets | $76,801,200 | 5,542 |
| Average earning assets | $70,057,600 | 5,538 |
| Average equity | $8,260,400 | 5,487 |
| Average total loans | $49,918,400 | 5,269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 3,073 |
| Cost of funding earning assets | 0.9255% | 4,232 |
| Net interest margin | 4.0776% | 2,564 |
| Noninterest income to average assets | 0.7844% | 2,121 |
| Noninterest expense to average assets | 3.6304% | 1,647 |
| Loan and lease loss provision to assets | 0.7257% | 1,321 |
| Net operating income to assets | 0.1086% | 5,944 |
| Return on assets (ROA) | 0.1086% | 6,062 |
| Pretax return on assets | 0.1345% | 6,037 |
| Return on Equity (ROE) | 1.0081% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.0081% | 5,608 |
| Net charge-offs to loans | 1.4734% | 991 |
| Credit loss provision to net charge-offs | 76.5455% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.9073% | 4,945 |
| Efficiency ratio | 80.8445% | 2,135 |
| Assets per employee ($millions) | 3.2279% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,708 |
| Loan loss allowance to noncurrent loans | 53.4914% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9070% | 2,222 |
| Noncurrent loans to loans | 2.9751% | 2,330 |
| Net loans and leases to total assets | 66.6512% | 2,758 |
| Net loans and leases to deposits | 78.2499% | 2,931 |
| Net loans and leases to core deposits | 87.5509% | 2,554 |
| Total domestic deposits to total assets | 85.1773% | 3,691 |
| Equity capital to assets | 10.8960% | 3,240 |
| Core capital (leverage) ratio | 10.4795% | 2,889 |
| Tier 1 risk-based capital ratio | 16.4908% | 2,870 |
| Total risk-based capital ratio | 17.7464% | 2,829 |
| Memoranda: | ||
| Average total assets | $77,344,000 | 5,565 |
| Average earning assets | $70,302,000 | 5,571 |
| Average equity | $8,332,500 | 5,499 |
| Average total loans | $49,769,250 | 5,311 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 3,498 |
| Cost of funding earning assets | 0.9420% | 4,379 |
| Net interest margin | 3.9857% | 2,909 |
| Noninterest income to average assets | 0.7736% | 2,142 |
| Noninterest expense to average assets | 3.6894% | 1,546 |
| Loan and lease loss provision to assets | 0.3105% | 2,929 |
| Net operating income to assets | 0.3467% | 5,185 |
| Return on assets (ROA) | 0.3467% | 5,321 |
| Pretax return on assets | 0.3752% | 5,470 |
| Return on Equity (ROE) | 3.2303% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.2303% | 4,209 |
| Net charge-offs to loans | 0.4297% | 2,851 |
| Credit loss provision to net charge-offs | 114.2857% | 2,680 |
| Earnings coverage of net charge-offs (x) | 2.5238% | 3,565 |
| Efficiency ratio | 84.3288% | 1,777 |
| Assets per employee ($millions) | 3.3218% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 2,157 |
| Loan loss allowance to noncurrent loans | 61.3551% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 5.3781% | 1,106 |
| Noncurrent loans to loans | 3.3936% | 2,096 |
| Net loans and leases to total assets | 60.1987% | 4,234 |
| Net loans and leases to deposits | 72.0397% | 4,108 |
| Net loans and leases to core deposits | 81.7755% | 3,542 |
| Total domestic deposits to total assets | 83.5633% | 4,522 |
| Equity capital to assets | 11.0547% | 2,899 |
| Core capital (leverage) ratio | 10.5111% | 2,702 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,713 |
| Total risk-based capital ratio | 17.8179% | 2,667 |
| Memoranda: | ||
| Average total assets | $77,302,330 | 5,612 |
| Average earning assets | $69,849,000 | 5,634 |
| Average equity | $8,296,330 | 5,522 |
| Average total loans | $48,869,330 | 5,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 4,246 |
| Cost of funding earning assets | 0.9377% | 4,669 |
| Net interest margin | 3.8241% | 3,492 |
| Noninterest income to average assets | 0.7202% | 2,450 |
| Noninterest expense to average assets | 3.4931% | 2,020 |
| Loan and lease loss provision to assets | 0.3241% | 2,601 |
| Net operating income to assets | 0.3704% | 5,076 |
| Return on assets (ROA) | 0.3704% | 5,159 |
| Pretax return on assets | 0.3858% | 5,385 |
| Return on Equity (ROE) | 3.5030% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.5030% | 4,080 |
| Net charge-offs to loans | 0.7226% | 1,773 |
| Credit loss provision to net charge-offs | 70.0000% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.5333% | 3,564 |
| Efficiency ratio | 83.1089% | 2,066 |
| Assets per employee ($millions) | 3.2749% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,706 |
| Loan loss allowance to noncurrent loans | 33.0631% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 5.7482% | 1,030 |
| Noncurrent loans to loans | 5.7335% | 1,132 |
| Net loans and leases to total assets | 61.7611% | 3,907 |
| Net loans and leases to deposits | 76.0802% | 3,408 |
| Net loans and leases to core deposits | 87.2056% | 2,708 |
| Total domestic deposits to total assets | 81.1789% | 5,610 |
| Equity capital to assets | 10.5384% | 3,141 |
| Core capital (leverage) ratio | 10.5503% | 2,565 |
| Tier 1 risk-based capital ratio | 13.9010% | 4,140 |
| Total risk-based capital ratio | 15.1563% | 4,112 |
| Memoranda: | ||
| Average total assets | $77,752,500 | 5,652 |
| Average earning assets | $70,813,500 | 5,638 |
| Average equity | $8,221,500 | 5,547 |
| Average total loans | $49,818,500 | 5,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 3,510 |
| Cost of funding earning assets | 1.1810% | 4,669 |
| Net interest margin | 4.0393% | 2,841 |
| Noninterest income to average assets | 0.7658% | 2,454 |
| Noninterest expense to average assets | 3.9523% | 1,234 |
| Loan and lease loss provision to assets | 0.4989% | 3,155 |
| Net operating income to assets | -0.0295% | 5,893 |
| Return on assets (ROA) | 0.0604% | 5,823 |
| Pretax return on assets | 0.0604% | 5,782 |
| Return on Equity (ROE) | 0.5831% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.5831% | 5,291 |
| Net charge-offs to loans | 0.6771% | 2,976 |
| Credit loss provision to net charge-offs | 115.1703% | 3,760 |
| Earnings coverage of net charge-offs (x) | 1.0836% | 5,027 |
| Efficiency ratio | 89.3843% | 1,370 |
| Assets per employee ($millions) | 2.9580% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9220% | 2,495 |
| Loan loss allowance to noncurrent loans | 36.7238% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 5.6016% | 1,098 |
| Noncurrent loans to loans | 5.2337% | 1,273 |
| Net loans and leases to total assets | 63.9630% | 3,879 |
| Net loans and leases to deposits | 77.1966% | 3,639 |
| Net loans and leases to core deposits | 88.3382% | 3,007 |
| Total domestic deposits to total assets | 82.8572% | 4,859 |
| Equity capital to assets | 10.6102% | 3,054 |
| Core capital (leverage) ratio | 10.5373% | 2,520 |
| Tier 1 risk-based capital ratio | 13.6339% | 4,108 |
| Total risk-based capital ratio | 14.8884% | 4,076 |
| Memoranda: | ||
| Average total assets | $74,564,400 | 5,750 |
| Average earning assets | $67,487,000 | 5,756 |
| Average equity | $7,717,600 | 5,799 |
| Average total loans | $47,702,800 | 5,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 3,671 |
| Cost of funding earning assets | 1.2399% | 4,631 |
| Net interest margin | 3.9927% | 3,139 |
| Noninterest income to average assets | 0.7948% | 2,261 |
| Noninterest expense to average assets | 3.9938% | 1,052 |
| Loan and lease loss provision to assets | 0.6092% | 2,498 |
| Net operating income to assets | -0.1982% | 6,318 |
| Return on assets (ROA) | -0.0775% | 6,251 |
| Pretax return on assets | -0.0775% | 6,199 |
| Return on Equity (ROE) | -0.7536% | 6,257 |
| Retained earnings to average equity (ytd only) | -0.7536% | 5,976 |
| Net charge-offs to loans | 0.9061% | 2,190 |
| Credit loss provision to net charge-offs | 105.6250% | 4,052 |
| Earnings coverage of net charge-offs (x) | 0.7125% | 5,344 |
| Efficiency ratio | 90.6710% | 1,231 |
| Assets per employee ($millions) | 2.8513% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 2,544 |
| Loan loss allowance to noncurrent loans | 30.5501% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 6.3924% | 896 |
| Noncurrent loans to loans | 6.1553% | 999 |
| Net loans and leases to total assets | 65.6680% | 3,760 |
| Net loans and leases to deposits | 79.0565% | 3,627 |
| Net loans and leases to core deposits | 90.1871% | 3,068 |
| Total domestic deposits to total assets | 83.0647% | 4,567 |
| Equity capital to assets | 11.1688% | 2,801 |
| Core capital (leverage) ratio | 10.4921% | 2,698 |
| Tier 1 risk-based capital ratio | 13.5927% | 4,128 |
| Total risk-based capital ratio | 14.8471% | 4,073 |
| Memoranda: | ||
| Average total assets | $73,978,750 | 5,833 |
| Average earning assets | $66,887,500 | 5,834 |
| Average equity | $7,607,000 | 5,909 |
| Average total loans | $47,089,500 | 5,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 4,038 |
| Cost of funding earning assets | 1.2993% | 4,546 |
| Net interest margin | 3.8829% | 3,518 |
| Noninterest income to average assets | 0.8116% | 2,061 |
| Noninterest expense to average assets | 3.8903% | 1,202 |
| Loan and lease loss provision to assets | 0.2245% | 4,659 |
| Net operating income to assets | 0.2137% | 5,516 |
| Return on assets (ROA) | 0.2137% | 5,645 |
| Pretax return on assets | 0.2137% | 5,742 |
| Return on Equity (ROE) | 2.1401% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.1401% | 4,784 |
| Net charge-offs to loans | 0.5146% | 2,989 |
| Credit loss provision to net charge-offs | 69.7479% | 4,971 |
| Earnings coverage of net charge-offs (x) | 1.3613% | 4,465 |
| Efficiency ratio | 89.8750% | 1,341 |
| Assets per employee ($millions) | 2.8504% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,770 |
| Loan loss allowance to noncurrent loans | 35.0478% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 4.1943% | 1,608 |
| Noncurrent loans to loans | 5.0922% | 1,347 |
| Net loans and leases to total assets | 62.8531% | 4,501 |
| Net loans and leases to deposits | 74.2111% | 4,643 |
| Net loans and leases to core deposits | 84.8426% | 4,012 |
| Total domestic deposits to total assets | 84.6950% | 3,773 |
| Equity capital to assets | 10.8248% | 3,053 |
| Core capital (leverage) ratio | 10.7323% | 2,445 |
| Tier 1 risk-based capital ratio | 13.8214% | 3,858 |
| Total risk-based capital ratio | 15.0602% | 3,833 |
| Memoranda: | ||
| Average total assets | $73,926,670 | 5,870 |
| Average earning assets | $66,959,670 | 5,863 |
| Average equity | $7,382,670 | 6,006 |
| Average total loans | $46,247,330 | 5,751 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 4,426 |
| Cost of funding earning assets | 1.3562% | 4,444 |
| Net interest margin | 3.7665% | 3,934 |
| Noninterest income to average assets | 0.9115% | 1,581 |
| Noninterest expense to average assets | 3.7675% | 1,377 |
| Loan and lease loss provision to assets | 0.1768% | 4,753 |
| Net operating income to assets | 0.3535% | 5,063 |
| Return on assets (ROA) | 0.3535% | 5,184 |
| Pretax return on assets | 0.3425% | 5,484 |
| Return on Equity (ROE) | 3.7056% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.7056% | 3,932 |
| Net charge-offs to loans | 0.6705% | 2,151 |
| Credit loss provision to net charge-offs | 42.6667% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1.2533% | 4,002 |
| Efficiency ratio | 87.8866% | 1,599 |
| Assets per employee ($millions) | 2.8126% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 2,397 |
| Loan loss allowance to noncurrent loans | 57.5578% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 4.8326% | 1,355 |
| Noncurrent loans to loans | 3.3275% | 2,402 |
| Net loans and leases to total assets | 61.0683% | 4,932 |
| Net loans and leases to deposits | 72.8753% | 4,933 |
| Net loans and leases to core deposits | 83.2007% | 4,311 |
| Total domestic deposits to total assets | 83.7983% | 4,245 |
| Equity capital to assets | 9.6160% | 4,355 |
| Core capital (leverage) ratio | 9.4334% | 3,875 |
| Tier 1 risk-based capital ratio | 12.1949% | 5,001 |
| Total risk-based capital ratio | 13.4666% | 4,950 |
| Memoranda: | ||
| Average total assets | $72,409,000 | 5,985 |
| Average earning assets | $64,888,000 | 6,005 |
| Average equity | $6,908,500 | 6,218 |
| Average total loans | $44,745,000 | 5,900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6822% | 3,198 |
| Cost of funding earning assets | 1.6572% | 4,750 |
| Net interest margin | 4.0250% | 2,764 |
| Noninterest income to average assets | 0.7674% | 2,574 |
| Noninterest expense to average assets | 3.9809% | 1,387 |
| Loan and lease loss provision to assets | 0.6605% | 3,169 |
| Net operating income to assets | -0.2110% | 5,852 |
| Return on assets (ROA) | -0.1672% | 5,796 |
| Pretax return on assets | -0.1658% | 5,668 |
| Return on Equity (ROE) | -1.7664% | 5,818 |
| Retained earnings to average equity (ytd only) | -1.7664% | 5,453 |
| Net charge-offs to loans | 0.3459% | 4,506 |
| Credit loss provision to net charge-offs | 303.1447% | 1,089 |
| Earnings coverage of net charge-offs (x) | 2.0692% | 4,176 |
| Efficiency ratio | 89.8268% | 1,714 |
| Assets per employee ($millions) | 2.6552% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 1,856 |
| Loan loss allowance to noncurrent loans | 48.7480% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 5.4220% | 1,085 |
| Noncurrent loans to loans | 4.2698% | 1,700 |
| Net loans and leases to total assets | 60.0432% | 5,330 |
| Net loans and leases to deposits | 72.8231% | 5,218 |
| Net loans and leases to core deposits | 99.9675% | 4,001 |
| Total domestic deposits to total assets | 82.4508% | 4,759 |
| Equity capital to assets | 9.4644% | 4,467 |
| Core capital (leverage) ratio | 9.3844% | 3,850 |
| Tier 1 risk-based capital ratio | 12.2645% | 4,716 |
| Total risk-based capital ratio | 13.5374% | 4,662 |
| Memoranda: | ||
| Average total assets | $72,973,200 | 5,916 |
| Average earning assets | $66,435,600 | 5,922 |
| Average equity | $6,906,800 | 6,299 |
| Average total loans | $45,971,200 | 5,837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 3,093 |
| Cost of funding earning assets | 1.6929% | 4,935 |
| Net interest margin | 4.0582% | 2,555 |
| Noninterest income to average assets | 0.7258% | 2,846 |
| Noninterest expense to average assets | 4.0766% | 1,174 |
| Loan and lease loss provision to assets | 0.5821% | 3,058 |
| Net operating income to assets | -0.2219% | 6,101 |
| Return on assets (ROA) | -0.2019% | 6,077 |
| Pretax return on assets | -0.2019% | 5,984 |
| Return on Equity (ROE) | -2.1334% | 6,113 |
| Retained earnings to average equity (ytd only) | -2.1334% | 5,750 |
| Net charge-offs to loans | 0.4045% | 3,636 |
| Credit loss provision to net charge-offs | 226.9504% | 1,923 |
| Earnings coverage of net charge-offs (x) | 1.4042% | 4,731 |
| Efficiency ratio | 91.8819% | 1,549 |
| Assets per employee ($millions) | 2.5926% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 2,652 |
| Loan loss allowance to noncurrent loans | 68.0494% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 4.4922% | 1,364 |
| Noncurrent loans to loans | 2.4898% | 3,027 |
| Net loans and leases to total assets | 61.6244% | 5,306 |
| Net loans and leases to deposits | 73.7763% | 5,390 |
| Net loans and leases to core deposits | 101.1669% | 4,247 |
| Total domestic deposits to total assets | 83.5287% | 3,942 |
| Equity capital to assets | 9.5230% | 4,718 |
| Core capital (leverage) ratio | 9.3174% | 4,164 |
| Tier 1 risk-based capital ratio | 11.9741% | 4,998 |
| Total risk-based capital ratio | 13.2255% | 4,934 |
| Memoranda: | ||
| Average total assets | $73,294,000 | 5,942 |
| Average earning assets | $67,023,000 | 5,933 |
| Average equity | $6,937,250 | 6,339 |
| Average total loans | $46,474,000 | 5,866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7472% | 3,310 |
| Cost of funding earning assets | 1.6721% | 5,406 |
| Net interest margin | 4.0751% | 2,419 |
| Noninterest income to average assets | 0.7807% | 2,514 |
| Noninterest expense to average assets | 4.0121% | 1,298 |
| Loan and lease loss provision to assets | 0.2747% | 4,382 |
| Net operating income to assets | 0.2273% | 5,166 |
| Return on assets (ROA) | 0.2557% | 5,162 |
| Pretax return on assets | 0.2693% | 5,277 |
| Return on Equity (ROE) | 2.7069% | 5,011 |
| Retained earnings to average equity (ytd only) | 2.7069% | 3,823 |
| Net charge-offs to loans | 0.0299% | 6,047 |
| Credit loss provision to net charge-offs | 1,442.8571% | 355 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,066 |
| Efficiency ratio | 88.6418% | 1,935 |
| Assets per employee ($millions) | 2.6696% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 3,558 |
| Loan loss allowance to noncurrent loans | 25.4262% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 3.8034% | 1,596 |
| Noncurrent loans to loans | 5.6321% | 1,017 |
| Net loans and leases to total assets | 63.1687% | 5,152 |
| Net loans and leases to deposits | 75.0385% | 5,312 |
| Net loans and leases to core deposits | 101.0076% | 4,404 |
| Total domestic deposits to total assets | 84.1817% | 3,656 |
| Equity capital to assets | 9.1225% | 5,134 |
| Core capital (leverage) ratio | 9.5534% | 3,806 |
| Tier 1 risk-based capital ratio | 12.1740% | 4,780 |
| Total risk-based capital ratio | 13.3805% | 4,725 |
| Memoranda: | ||
| Average total assets | $73,527,670 | 5,988 |
| Average earning assets | $67,580,670 | 5,961 |
| Average equity | $6,945,330 | 6,388 |
| Average total loans | $46,796,670 | 5,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9679% | 2,491 |
| Cost of funding earning assets | 1.7102% | 5,558 |
| Net interest margin | 4.2576% | 1,717 |
| Noninterest income to average assets | 0.7570% | 2,559 |
| Noninterest expense to average assets | 3.5712% | 1,925 |
| Loan and lease loss provision to assets | 0.4937% | 2,504 |
| Net operating income to assets | 0.5705% | 4,144 |
| Return on assets (ROA) | 0.5705% | 4,341 |
| Pretax return on assets | 0.5979% | 4,757 |
| Return on Equity (ROE) | 5.9356% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.9356% | 2,659 |
| Net charge-offs to loans | 0.0778% | 4,398 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,317 |
| Efficiency ratio | 76.5882% | 3,392 |
| Assets per employee ($millions) | 2.7349% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 3,522 |
| Loan loss allowance to noncurrent loans | 92.5722% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 4,307 |
| Noncurrent loans to loans | 1.5078% | 4,024 |
| Net loans and leases to total assets | 64.3870% | 4,920 |
| Net loans and leases to deposits | 79.5383% | 4,686 |
| Net loans and leases to core deposits | 115.7098% | 2,828 |
| Total domestic deposits to total assets | 80.9510% | 4,992 |
| Equity capital to assets | 9.4947% | 4,671 |
| Core capital (leverage) ratio | 9.4094% | 4,091 |
| Tier 1 risk-based capital ratio | 12.1214% | 4,849 |
| Total risk-based capital ratio | 13.2997% | 4,813 |
| Memoranda: | ||
| Average total assets | $72,917,000 | 6,032 |
| Average earning assets | $66,891,500 | 6,007 |
| Average equity | $7,008,500 | 6,405 |
| Average total loans | $46,243,000 | 5,949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8227% | 1,605 |
| Cost of funding earning assets | 2.4363% | 4,540 |
| Net interest margin | 4.3865% | 1,731 |
| Noninterest income to average assets | 0.8223% | 2,395 |
| Noninterest expense to average assets | 3.9427% | 1,497 |
| Loan and lease loss provision to assets | 0.3832% | 3,398 |
| Net operating income to assets | 0.4532% | 4,939 |
| Return on assets (ROA) | 0.5150% | 4,517 |
| Pretax return on assets | 0.5629% | 4,803 |
| Return on Equity (ROE) | 5.9095% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.9095% | 1,569 |
| Net charge-offs to loans | 0.2790% | 3,537 |
| Credit loss provision to net charge-offs | 240.0000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 3,625 |
| Efficiency ratio | 81.7831% | 2,333 |
| Assets per employee ($millions) | 2.4825% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 3,546 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 5,080 |
| Noncurrent loans to loans | 0.8358% | 4,963 |
| Net loans and leases to total assets | 60.6684% | 5,812 |
| Net loans and leases to deposits | 75.7834% | 5,611 |
| Net loans and leases to core deposits | 106.9990% | 4,077 |
| Total domestic deposits to total assets | 80.0550% | 4,998 |
| Equity capital to assets | 9.7315% | 4,390 |
| Core capital (leverage) ratio | 8.9956% | 4,747 |
| Tier 1 risk-based capital ratio | 12.7270% | 4,274 |
| Total risk-based capital ratio | 13.8319% | 4,290 |
| Memoranda: | ||
| Average total assets | $75,152,200 | 5,869 |
| Average earning assets | $68,506,200 | 5,869 |
| Average equity | $6,548,800 | 6,627 |
| Average total loans | $43,009,200 | 6,022 |