Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 3,602 |
| Cost of funding earning assets | 1.5867% | 3,195 |
| Net interest margin | 3.1091% | 2,921 |
| Noninterest income to average assets | 2.1100% | 241 |
| Noninterest expense to average assets | 3.9017% | 403 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.0609% | 1,873 |
| Return on assets (ROA) | 1.0241% | 1,972 |
| Pretax return on assets | 1.0241% | 2,467 |
| Return on Equity (ROE) | 14.8900% | 947 |
| Retained earnings to average equity (ytd only) | 5.9274% | 1,852 |
| Net charge-offs to loans | 0.1753% | 786 |
| Credit loss provision to net charge-offs | 103.6683% | 1,842 |
| Earnings coverage of net charge-offs (x) | 11.5104% | 2,206 |
| Efficiency ratio | 76.9925% | 1,283 |
| Assets per employee ($millions) | 4.8688% | 3,733 |
| Cash dividends to net income (ytd only)* | 60.1830% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 2,901 |
| Loan loss allowance to noncurrent loans | 1,655.9322% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,403 |
| Noncurrent loans to loans | 0.0640% | 3,330 |
| Net loans and leases to total assets | 59.4900% | 2,987 |
| Net loans and leases to deposits | 64.3997% | 3,321 |
| Net loans and leases to core deposits | 66.5865% | 3,494 |
| Total domestic deposits to total assets | 92.3800% | 233 |
| Equity capital to assets | 7.2887% | 3,857 |
| Core capital (leverage) ratio | 9.2961% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4005% | 1,178 |
| Memoranda: | ||
| Average total assets | $618,989,000 | 1,495 |
| Average earning assets | $589,005,400 | 1,456 |
| Average equity | $42,581,800 | 1,898 |
| Average total loans | $357,607,200 | 1,660 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 3,722 |
| Cost of funding earning assets | 1.5896% | 3,197 |
| Net interest margin | 2.9922% | 3,112 |
| Noninterest income to average assets | 2.1300% | 235 |
| Noninterest expense to average assets | 3.9221% | 385 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 0.9121% | 2,341 |
| Return on assets (ROA) | 0.8631% | 2,512 |
| Pretax return on assets | 0.8631% | 2,895 |
| Return on Equity (ROE) | 12.7300% | 1,434 |
| Retained earnings to average equity (ytd only) | 4.1443% | 2,794 |
| Net charge-offs to loans | 0.1939% | 602 |
| Credit loss provision to net charge-offs | 125.9690% | 1,450 |
| Earnings coverage of net charge-offs (x) | 9.4845% | 2,163 |
| Efficiency ratio | 78.8532% | 1,161 |
| Assets per employee ($millions) | 4.8353% | 3,750 |
| Cash dividends to net income (ytd only)* | 67.4552% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 2,742 |
| Loan loss allowance to noncurrent loans | 1,499.6269% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,447 |
| Noncurrent loans to loans | 0.0736% | 3,327 |
| Net loans and leases to total assets | 55.1300% | 3,331 |
| Net loans and leases to deposits | 59.6367% | 3,610 |
| Net loans and leases to core deposits | 61.9538% | 3,719 |
| Total domestic deposits to total assets | 92.4500% | 135 |
| Equity capital to assets | 7.2071% | 4,074 |
| Core capital (leverage) ratio | 9.3095% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9465% | 1,311 |
| Memoranda: | ||
| Average total assets | $620,369,000 | 1,480 |
| Average earning assets | $589,653,500 | 1,449 |
| Average equity | $42,048,750 | 1,914 |
| Average total loans | $354,794,000 | 1,656 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 3,760 |
| Cost of funding earning assets | 1.5452% | 3,180 |
| Net interest margin | 2.9710% | 3,112 |
| Noninterest income to average assets | 2.2000% | 231 |
| Noninterest expense to average assets | 4.0195% | 367 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.9059% | 2,290 |
| Return on assets (ROA) | 0.8311% | 2,537 |
| Pretax return on assets | 0.8311% | 2,925 |
| Return on Equity (ROE) | 12.5400% | 1,474 |
| Retained earnings to average equity (ytd only) | 3.4767% | 2,895 |
| Net charge-offs to loans | 0.1842% | 582 |
| Credit loss provision to net charge-offs | 84.8765% | 1,616 |
| Earnings coverage of net charge-offs (x) | 9.3704% | 2,020 |
| Efficiency ratio | 80.1400% | 1,113 |
| Assets per employee ($millions) | 4.7898% | 3,747 |
| Cash dividends to net income (ytd only)* | 72.2858% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,013 |
| Loan loss allowance to noncurrent loans | 2,230.8140% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,541 |
| Noncurrent loans to loans | 0.0472% | 3,430 |
| Net loans and leases to total assets | 57.0600% | 3,184 |
| Net loans and leases to deposits | 61.3204% | 3,512 |
| Net loans and leases to core deposits | 63.7151% | 3,634 |
| Total domestic deposits to total assets | 93.0600% | 138 |
| Equity capital to assets | 6.6187% | 4,068 |
| Core capital (leverage) ratio | 9.4768% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5434% | 1,386 |
| Memoranda: | ||
| Average total assets | $609,571,667 | 1,503 |
| Average earning assets | $578,316,000 | 1,473 |
| Average equity | $40,383,333 | 1,936 |
| Average total loans | $351,759,667 | 1,666 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 3,841 |
| Cost of funding earning assets | 1.4419% | 3,328 |
| Net interest margin | 2.9566% | 3,076 |
| Noninterest income to average assets | 2.0800% | 229 |
| Noninterest expense to average assets | 3.9784% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8933% | 2,249 |
| Return on assets (ROA) | 0.8933% | 2,265 |
| Pretax return on assets | 0.8933% | 2,685 |
| Return on Equity (ROE) | 13.4800% | 1,244 |
| Retained earnings to average equity (ytd only) | 5.1146% | 2,363 |
| Net charge-offs to loans | 0.2270% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 6.8163% | 1,796 |
| Efficiency ratio | 81.6635% | 1,069 |
| Assets per employee ($millions) | 4.4145% | 3,983 |
| Cash dividends to net income (ytd only)* | 62.0509% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,030 |
| Loan loss allowance to noncurrent loans | 2,544.1379% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,578 |
| Noncurrent loans to loans | 0.0415% | 3,473 |
| Net loans and leases to total assets | 58.5100% | 3,011 |
| Net loans and leases to deposits | 63.0016% | 3,346 |
| Net loans and leases to core deposits | 65.4926% | 3,540 |
| Total domestic deposits to total assets | 92.8600% | 204 |
| Equity capital to assets | 6.7706% | 3,989 |
| Core capital (leverage) ratio | 9.7502% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4391% | 1,414 |
| Memoranda: | ||
| Average total assets | $598,230,000 | 1,526 |
| Average earning assets | $565,658,000 | 1,500 |
| Average equity | $39,651,500 | 1,957 |
| Average total loans | $345,331,500 | 1,681 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 3,756 |
| Cost of funding earning assets | 0.9411% | 3,436 |
| Net interest margin | 3.1864% | 2,912 |
| Noninterest income to average assets | 2.1200% | 253 |
| Noninterest expense to average assets | 4.0877% | 342 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.8094% | 2,839 |
| Return on assets (ROA) | 0.7849% | 2,899 |
| Pretax return on assets | 0.7849% | 3,246 |
| Return on Equity (ROE) | 12.6500% | 1,807 |
| Retained earnings to average equity (ytd only) | 0.1538% | 4,011 |
| Net charge-offs to loans | 0.3593% | 303 |
| Credit loss provision to net charge-offs | 119.5286% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.2635% | 2,535 |
| Efficiency ratio | 79.6067% | 939 |
| Assets per employee ($millions) | 4.3519% | 4,019 |
| Cash dividends to net income (ytd only)* | 98.7839% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,605 |
| Loan loss allowance to noncurrent loans | 2,590.0000% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,535 |
| Noncurrent loans to loans | 0.0440% | 3,407 |
| Net loans and leases to total assets | 55.7100% | 3,220 |
| Net loans and leases to deposits | 59.8668% | 3,529 |
| Net loans and leases to core deposits | 62.4559% | 3,655 |
| Total domestic deposits to total assets | 93.0600% | 169 |
| Equity capital to assets | 6.4888% | 4,118 |
| Core capital (leverage) ratio | 9.6513% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7591% | 1,327 |
| Memoranda: | ||
| Average total assets | $597,139,200 | 1,487 |
| Average earning assets | $564,342,000 | 1,454 |
| Average equity | $37,056,600 | 1,977 |
| Average total loans | $330,610,600 | 1,686 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,755 |
| Cost of funding earning assets | 0.8390% | 3,430 |
| Net interest margin | 3.2129% | 2,886 |
| Noninterest income to average assets | 2.1400% | 267 |
| Noninterest expense to average assets | 4.0461% | 350 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.9052% | 2,661 |
| Return on assets (ROA) | 0.8725% | 2,773 |
| Pretax return on assets | 0.8725% | 3,169 |
| Return on Equity (ROE) | 14.2200% | 1,600 |
| Retained earnings to average equity (ytd only) | 0.4638% | 4,047 |
| Net charge-offs to loans | 0.3760% | 229 |
| Credit loss provision to net charge-offs | 108.1081% | 1,563 |
| Earnings coverage of net charge-offs (x) | 5.4497% | 2,347 |
| Efficiency ratio | 78.1803% | 996 |
| Assets per employee ($millions) | 4.0671% | 4,134 |
| Cash dividends to net income (ytd only)* | 96.7394% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 2,957 |
| Loan loss allowance to noncurrent loans | 8,284.4444% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,775 |
| Noncurrent loans to loans | 0.0131% | 3,702 |
| Net loans and leases to total assets | 58.6400% | 2,975 |
| Net loans and leases to deposits | 62.6483% | 3,365 |
| Net loans and leases to core deposits | 64.9323% | 3,483 |
| Total domestic deposits to total assets | 93.6000% | 228 |
| Equity capital to assets | 5.9605% | 4,001 |
| Core capital (leverage) ratio | 9.6822% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6798% | 1,387 |
| Memoranda: | ||
| Average total assets | $595,194,750 | 1,491 |
| Average earning assets | $562,559,000 | 1,454 |
| Average equity | $36,507,750 | 1,985 |
| Average total loans | $328,042,250 | 1,692 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,832 |
| Cost of funding earning assets | 0.7396% | 3,377 |
| Net interest margin | 3.1830% | 3,028 |
| Noninterest income to average assets | 2.0800% | 230 |
| Noninterest expense to average assets | 4.0168% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0708% | 2,205 |
| Return on assets (ROA) | 1.0221% | 2,341 |
| Pretax return on assets | 1.0221% | 2,853 |
| Return on Equity (ROE) | 16.5100% | 1,184 |
| Retained earnings to average equity (ytd only) | 3.2434% | 3,414 |
| Net charge-offs to loans | 0.4639% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.2928% | 2,223 |
| Efficiency ratio | 78.9525% | 921 |
| Assets per employee ($millions) | 4.2548% | 4,083 |
| Cash dividends to net income (ytd only)* | 80.3589% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 3,838 |
| 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 | 55.7400% | 3,140 |
| Net loans and leases to deposits | 59.8365% | 3,430 |
| Net loans and leases to core deposits | 61.8252% | 3,542 |
| Total domestic deposits to total assets | 93.1600% | 230 |
| Equity capital to assets | 6.4284% | 4,025 |
| Core capital (leverage) ratio | 9.8779% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2273% | 1,277 |
| Memoranda: | ||
| Average total assets | $599,728,333 | 1,474 |
| Average earning assets | $567,569,000 | 1,448 |
| Average equity | $37,121,667 | 1,978 |
| Average total loans | $322,470,667 | 1,696 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 3,849 |
| Cost of funding earning assets | 0.6050% | 3,370 |
| Net interest margin | 3.1999% | 3,119 |
| Noninterest income to average assets | 1.8700% | 249 |
| Noninterest expense to average assets | 3.7909% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1096% | 2,196 |
| Return on assets (ROA) | 1.0132% | 2,456 |
| Pretax return on assets | 1.0132% | 2,950 |
| Return on Equity (ROE) | 16.6800% | 1,227 |
| Retained earnings to average equity (ytd only) | 1.6191% | 3,762 |
| Net charge-offs to loans | 0.5047% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4.1816% | 1,859 |
| Efficiency ratio | 77.3572% | 1,063 |
| Assets per employee ($millions) | 4.2407% | 4,149 |
| Cash dividends to net income (ytd only)* | 90.2932% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,402 |
| Loan loss allowance to noncurrent loans | 7,393.3333% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,802 |
| Noncurrent loans to loans | 0.0139% | 3,720 |
| Net loans and leases to total assets | 53.2400% | 3,262 |
| Net loans and leases to deposits | 57.0202% | 3,512 |
| Net loans and leases to core deposits | 58.8621% | 3,591 |
| Total domestic deposits to total assets | 93.3800% | 247 |
| Equity capital to assets | 6.2730% | 4,117 |
| Core capital (leverage) ratio | 9.6123% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1497% | 1,339 |
| Memoranda: | ||
| Average total assets | $605,976,000 | 1,485 |
| Average earning assets | $573,889,500 | 1,459 |
| Average equity | $36,810,000 | 2,015 |
| Average total loans | $318,602,500 | 1,727 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 3,673 |
| Cost of funding earning assets | 0.1649% | 4,031 |
| Net interest margin | 3.1016% | 3,173 |
| Noninterest income to average assets | 1.8000% | 284 |
| Noninterest expense to average assets | 3.5144% | 483 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1236% | 2,078 |
| Return on assets (ROA) | 1.1224% | 2,023 |
| Pretax return on assets | 1.1224% | 2,704 |
| Return on Equity (ROE) | 16.2000% | 1,016 |
| Retained earnings to average equity (ytd only) | 11.0542% | 872 |
| Net charge-offs to loans | 0.1496% | 551 |
| Credit loss provision to net charge-offs | 143.0108% | 1,334 |
| Earnings coverage of net charge-offs (x) | 16.0538% | 1,988 |
| Efficiency ratio | 74.0212% | 1,218 |
| Assets per employee ($millions) | 4.7269% | 3,870 |
| Cash dividends to net income (ytd only)* | 31.7533% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,437 |
| 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 | 50.7600% | 3,453 |
| Net loans and leases to deposits | 54.0445% | 3,675 |
| Net loans and leases to core deposits | 54.1400% | 3,801 |
| Total domestic deposits to total assets | 93.9200% | 250 |
| Equity capital to assets | 5.8784% | 4,139 |
| Core capital (leverage) ratio | 9.5240% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4323% | 1,257 |
| Memoranda: | ||
| Average total assets | $605,221,800 | 1,467 |
| Average earning assets | $574,319,200 | 1,440 |
| Average equity | $41,939,000 | 1,856 |
| Average total loans | $310,794,800 | 1,673 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 3,563 |
| Cost of funding earning assets | 0.1044% | 4,249 |
| Net interest margin | 3.0420% | 3,110 |
| Noninterest income to average assets | 1.7300% | 310 |
| Noninterest expense to average assets | 3.4738% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1479% | 1,899 |
| Return on assets (ROA) | 1.1479% | 1,871 |
| Pretax return on assets | 1.1479% | 2,561 |
| Return on Equity (ROE) | 15.9600% | 988 |
| Retained earnings to average equity (ytd only) | 13.1206% | 589 |
| Net charge-offs to loans | 0.1216% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 18.3781% | 1,763 |
| Efficiency ratio | 75.1624% | 1,157 |
| Assets per employee ($millions) | 4.7200% | 3,897 |
| Cash dividends to net income (ytd only)* | 17.7658% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,311 |
| 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 | 52.8900% | 3,196 |
| Net loans and leases to deposits | 56.3990% | 3,447 |
| Net loans and leases to core deposits | 56.5031% | 3,600 |
| Total domestic deposits to total assets | 93.7700% | 402 |
| Equity capital to assets | 6.0694% | 3,939 |
| Core capital (leverage) ratio | 9.6336% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9521% | 1,442 |
| Memoranda: | ||
| Average total assets | $604,084,750 | 1,477 |
| Average earning assets | $573,373,500 | 1,447 |
| Average equity | $43,462,500 | 1,837 |
| Average total loans | $310,179,500 | 1,671 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 3,455 |
| Cost of funding earning assets | 0.0669% | 4,477 |
| Net interest margin | 2.9718% | 2,968 |
| Noninterest income to average assets | 1.5951% | 309 |
| Noninterest expense to average assets | 3.4521% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9657% | 2,291 |
| Return on assets (ROA) | 0.9657% | 2,263 |
| Pretax return on assets | 0.9657% | 2,847 |
| Return on Equity (ROE) | 12.7828% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.9152% | 617 |
| Net charge-offs to loans | 0.0647% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 29.4700% | 1,396 |
| Efficiency ratio | 78.1412% | 1,077 |
| Assets per employee ($millions) | 4.8038% | 3,843 |
| Cash dividends to net income (ytd only)* | 6.7866% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,205 |
| 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 | 53.2023% | 3,044 |
| Net loans and leases to deposits | 56.7926% | 3,317 |
| Net loans and leases to core deposits | 56.8973% | 3,499 |
| Total domestic deposits to total assets | 93.6783% | 344 |
| Equity capital to assets | 6.1789% | 4,145 |
| Core capital (leverage) ratio | 9.2080% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6172% | 1,534 |
| Memoranda: | ||
| Average total assets | $610,352,667 | 1,474 |
| Average earning assets | $579,724,333 | 1,449 |
| Average equity | $46,109,000 | 1,797 |
| Average total loans | $309,311,333 | 1,674 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8809% | 3,577 |
| Cost of funding earning assets | 0.0609% | 4,520 |
| Net interest margin | 2.8201% | 3,075 |
| Noninterest income to average assets | 1.5518% | 341 |
| Noninterest expense to average assets | 3.3375% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8938% | 2,296 |
| Return on assets (ROA) | 0.8938% | 2,299 |
| Pretax return on assets | 0.8938% | 2,802 |
| Return on Equity (ROE) | 10.8975% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.8975% | 801 |
| Net charge-offs to loans | 0.0653% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 27.8200% | 1,164 |
| Efficiency ratio | 78.8762% | 1,237 |
| Assets per employee ($millions) | 5.4698% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,048 |
| 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 | 45.4855% | 3,625 |
| Net loans and leases to deposits | 49.0922% | 3,809 |
| Net loans and leases to core deposits | 49.1746% | 3,915 |
| Total domestic deposits to total assets | 92.6533% | 364 |
| Equity capital to assets | 7.2084% | 4,098 |
| Core capital (leverage) ratio | 8.7923% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5497% | 1,630 |
| Memoranda: | ||
| Average total assets | $622,498,500 | 1,451 |
| Average earning assets | $591,478,500 | 1,430 |
| Average equity | $51,057,500 | 1,709 |
| Average total loans | $306,353,500 | 1,680 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3210% | 3,144 |
| Cost of funding earning assets | 0.0704% | 4,588 |
| Net interest margin | 3.2506% | 2,463 |
| Noninterest income to average assets | 2.0374% | 310 |
| Noninterest expense to average assets | 3.6167% | 421 |
| Loan and lease loss provision to assets | 0.1831% | 621 |
| Net operating income to assets | 1.3268% | 1,530 |
| Return on assets (ROA) | 1.3268% | 1,568 |
| Pretax return on assets | 1.3268% | 2,276 |
| Return on Equity (ROE) | 15.1749% | 913 |
| Retained earnings to average equity (ytd only) | 13.9125% | 314 |
| Net charge-offs to loans | 0.0026% | 2,529 |
| Credit loss provision to net charge-offs | 12,962.5000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,068.7500% | 136 |
| Efficiency ratio | 70.5477% | 1,674 |
| Assets per employee ($millions) | 4.7150% | 3,956 |
| Cash dividends to net income (ytd only)* | 8.3189% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.1181% | 3,051 |
| Net loans and leases to deposits | 57.5656% | 3,290 |
| Net loans and leases to core deposits | 57.6740% | 3,502 |
| Total domestic deposits to total assets | 90.5370% | 698 |
| Equity capital to assets | 9.2907% | 3,326 |
| Core capital (leverage) ratio | 8.9688% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2917% | 1,743 |
| Memoranda: | ||
| Average total assets | $566,269,600 | 1,526 |
| Average earning assets | $538,145,400 | 1,498 |
| Average equity | $49,509,400 | 1,787 |
| Average total loans | $306,974,400 | 1,677 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 3,084 |
| Cost of funding earning assets | 0.0736% | 4,671 |
| Net interest margin | 3.3331% | 2,328 |
| Noninterest income to average assets | 2.0265% | 344 |
| Noninterest expense to average assets | 3.5397% | 439 |
| Loan and lease loss provision to assets | 0.0477% | 2,044 |
| Net operating income to assets | 1.6038% | 1,022 |
| Return on assets (ROA) | 1.6038% | 1,064 |
| Pretax return on assets | 1.6038% | 1,691 |
| Return on Equity (ROE) | 18.6542% | 554 |
| Retained earnings to average equity (ytd only) | 17.1293% | 230 |
| Net charge-offs to loans | -0.0013% | 3,159 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1866% | 1,795 |
| Assets per employee ($millions) | 4.8575% | 3,835 |
| Cash dividends to net income (ytd only)* | 8.1748% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 4,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.9568% | 3,194 |
| Net loans and leases to deposits | 57.9036% | 3,413 |
| Net loans and leases to core deposits | 58.0186% | 3,629 |
| Total domestic deposits to total assets | 89.7298% | 905 |
| Equity capital to assets | 10.0455% | 2,862 |
| Core capital (leverage) ratio | 8.7783% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5321% | 1,472 |
| Memoranda: | ||
| Average total assets | $559,314,250 | 1,555 |
| Average earning assets | $531,065,000 | 1,533 |
| Average equity | $48,088,000 | 1,838 |
| Average total loans | $305,428,250 | 1,711 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 3,466 |
| Cost of funding earning assets | 0.0742% | 4,721 |
| Net interest margin | 3.2128% | 2,719 |
| Noninterest income to average assets | 2.0190% | 325 |
| Noninterest expense to average assets | 3.3586% | 569 |
| Loan and lease loss provision to assets | 0.0719% | 1,624 |
| Net operating income to assets | 1.6394% | 967 |
| Return on assets (ROA) | 1.6394% | 1,017 |
| Pretax return on assets | 1.6394% | 1,637 |
| Return on Equity (ROE) | 20.2276% | 440 |
| Retained earnings to average equity (ytd only) | 20.2276% | 151 |
| Net charge-offs to loans | -0.0019% | 3,196 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2459% | 2,116 |
| Assets per employee ($millions) | 5.1164% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 4,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.7262% | 3,162 |
| Net loans and leases to deposits | 58.5334% | 3,495 |
| Net loans and leases to core deposits | 58.7210% | 3,710 |
| Total domestic deposits to total assets | 91.7874% | 168 |
| Equity capital to assets | 8.0326% | 4,513 |
| Core capital (leverage) ratio | 7.2432% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6238% | 1,749 |
| Memoranda: | ||
| Average total assets | $556,311,000 | 1,556 |
| Average earning assets | $528,267,667 | 1,530 |
| Average equity | $45,087,000 | 1,927 |
| Average total loans | $307,909,000 | 1,706 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 2,525 |
| Cost of funding earning assets | 0.0762% | 4,766 |
| Net interest margin | 3.5616% | 1,673 |
| Noninterest income to average assets | 2.0124% | 371 |
| Noninterest expense to average assets | 3.4206% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9675% | 594 |
| Return on assets (ROA) | 1.9675% | 642 |
| Pretax return on assets | 1.9675% | 1,001 |
| Return on Equity (ROE) | 24.1604% | 289 |
| Retained earnings to average equity (ytd only) | 24.1514% | 154 |
| Net charge-offs to loans | -0.0026% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4847% | 2,531 |
| Assets per employee ($millions) | 5.3442% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0375% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 4,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.5529% | 3,389 |
| Net loans and leases to deposits | 56.9105% | 3,725 |
| Net loans and leases to core deposits | 57.0921% | 3,904 |
| Total domestic deposits to total assets | 92.3431% | 91 |
| Equity capital to assets | 7.5393% | 4,697 |
| Core capital (leverage) ratio | 7.5689% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5155% | 1,734 |
| Memoranda: | ||
| Average total assets | $542,830,500 | 1,579 |
| Average earning assets | $514,488,000 | 1,549 |
| Average equity | $44,204,500 | 1,944 |
| Average total loans | $303,827,000 | 1,726 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 3,621 |
| Cost of funding earning assets | 0.1142% | 4,830 |
| Net interest margin | 3.5688% | 2,249 |
| Noninterest income to average assets | 2.0662% | 315 |
| Noninterest expense to average assets | 5.0002% | 193 |
| Loan and lease loss provision to assets | 0.0804% | 3,371 |
| Net operating income to assets | 0.3270% | 4,398 |
| Return on assets (ROA) | 0.3587% | 4,402 |
| Pretax return on assets | 0.3587% | 4,473 |
| Return on Equity (ROE) | 3.7599% | 4,208 |
| Retained earnings to average equity (ytd only) | 0.3052% | 4,425 |
| Net charge-offs to loans | -0.0061% | 4,176 |
| Credit loss provision to net charge-offs | -2,156.2500% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4667% | 304 |
| Assets per employee ($millions) | 4.4923% | 3,919 |
| Cash dividends to net income (ytd only)* | 91.8831% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 4,347 |
| Loan loss allowance to noncurrent loans | 1,126.1261% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,129 |
| Noncurrent loans to loans | 0.0742% | 3,996 |
| Net loans and leases to total assets | 58.9340% | 2,988 |
| Net loans and leases to deposits | 64.7550% | 3,382 |
| Net loans and leases to core deposits | 64.9979% | 3,632 |
| Total domestic deposits to total assets | 91.0107% | 224 |
| Equity capital to assets | 8.8427% | 4,185 |
| Core capital (leverage) ratio | 7.9445% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3849% | 1,720 |
| Memoranda: | ||
| Average total assets | $429,339,800 | 1,769 |
| Average earning assets | $401,979,200 | 1,762 |
| Average equity | $40,958,400 | 1,991 |
| Average total loans | $262,268,400 | 1,857 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5855% | 4,049 |
| Cost of funding earning assets | 0.1244% | 4,866 |
| Net interest margin | 3.4610% | 2,716 |
| Noninterest income to average assets | 2.0073% | 316 |
| Noninterest expense to average assets | 3.9491% | 394 |
| Loan and lease loss provision to assets | 0.1120% | 2,923 |
| Net operating income to assets | 1.1776% | 1,715 |
| Return on assets (ROA) | 1.2217% | 1,692 |
| Pretax return on assets | 1.2217% | 2,313 |
| Return on Equity (ROE) | 12.5261% | 1,241 |
| Retained earnings to average equity (ytd only) | 8.9496% | 995 |
| Net charge-offs to loans | -0.0084% | 4,182 |
| Credit loss provision to net charge-offs | -2,156.2500% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3840% | 1,261 |
| Assets per employee ($millions) | 4.5715% | 3,755 |
| Cash dividends to net income (ytd only)* | 28.5525% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 4,263 |
| Loan loss allowance to noncurrent loans | 390.4688% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 3,751 |
| Noncurrent loans to loans | 0.2146% | 3,523 |
| Net loans and leases to total assets | 62.2023% | 2,983 |
| Net loans and leases to deposits | 68.5175% | 3,430 |
| Net loans and leases to core deposits | 68.7902% | 3,712 |
| Total domestic deposits to total assets | 90.7832% | 215 |
| Equity capital to assets | 9.0776% | 4,056 |
| Core capital (leverage) ratio | 8.1383% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1561% | 1,462 |
| Memoranda: | ||
| Average total assets | $410,889,500 | 1,804 |
| Average earning assets | $383,612,500 | 1,804 |
| Average equity | $40,075,250 | 2,015 |
| Average total loans | $253,080,250 | 1,904 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,079 |
| Cost of funding earning assets | 0.1414% | 4,900 |
| Net interest margin | 3.5636% | 2,600 |
| Noninterest income to average assets | 1.9693% | 292 |
| Noninterest expense to average assets | 4.0069% | 403 |
| Loan and lease loss provision to assets | 0.1002% | 3,019 |
| Net operating income to assets | 1.1768% | 1,703 |
| Return on assets (ROA) | 1.2466% | 1,621 |
| Pretax return on assets | 1.2466% | 2,195 |
| Return on Equity (ROE) | 12.4310% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.3334% | 1,215 |
| Net charge-offs to loans | -0.0067% | 4,094 |
| Credit loss provision to net charge-offs | -2,437.5000% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8336% | 1,281 |
| Assets per employee ($millions) | 4.4228% | 3,886 |
| Cash dividends to net income (ytd only)* | 32.9625% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 4,369 |
| Loan loss allowance to noncurrent loans | 297.4587% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 3,651 |
| Noncurrent loans to loans | 0.2646% | 3,432 |
| Net loans and leases to total assets | 66.0528% | 2,620 |
| Net loans and leases to deposits | 72.9333% | 3,167 |
| Net loans and leases to core deposits | 73.1160% | 3,512 |
| Total domestic deposits to total assets | 90.5660% | 259 |
| Equity capital to assets | 9.3331% | 3,797 |
| Core capital (leverage) ratio | 8.4710% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7704% | 1,554 |
| Memoranda: | ||
| Average total assets | $389,374,667 | 1,850 |
| Average earning assets | $362,162,333 | 1,847 |
| Average equity | $39,047,667 | 2,036 |
| Average total loans | $238,030,333 | 1,965 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 4,328 |
| Cost of funding earning assets | 0.1791% | 4,930 |
| Net interest margin | 3.5524% | 2,812 |
| Noninterest income to average assets | 2.0548% | 259 |
| Noninterest expense to average assets | 4.1607% | 426 |
| Loan and lease loss provision to assets | 0.0832% | 2,652 |
| Net operating income to assets | 1.0890% | 1,880 |
| Return on assets (ROA) | 1.2398% | 1,508 |
| Pretax return on assets | 1.2398% | 2,068 |
| Return on Equity (ROE) | 11.8539% | 1,144 |
| Retained earnings to average equity (ytd only) | 3.3717% | 2,931 |
| Net charge-offs to loans | -0.0077% | 3,982 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0204% | 1,332 |
| Assets per employee ($millions) | 3.7547% | 4,215 |
| Cash dividends to net income (ytd only)* | 71.5564% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,435 |
| Loan loss allowance to noncurrent loans | 282.9082% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 3,624 |
| Noncurrent loans to loans | 0.3722% | 3,152 |
| Net loans and leases to total assets | 56.6418% | 3,786 |
| Net loans and leases to deposits | 63.4014% | 4,015 |
| Net loans and leases to core deposits | 63.9569% | 4,172 |
| Total domestic deposits to total assets | 89.3384% | 534 |
| Equity capital to assets | 10.5602% | 3,268 |
| Core capital (leverage) ratio | 9.6795% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2982% | 2,150 |
| Memoranda: | ||
| Average total assets | $360,711,000 | 1,921 |
| Average earning assets | $332,847,000 | 1,922 |
| Average equity | $37,726,000 | 2,081 |
| Average total loans | $208,345,500 | 2,128 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 4,145 |
| Cost of funding earning assets | 0.2450% | 4,861 |
| Net interest margin | 3.8050% | 2,489 |
| Noninterest income to average assets | 2.2129% | 228 |
| Noninterest expense to average assets | 4.3907% | 342 |
| Loan and lease loss provision to assets | 0.0810% | 2,380 |
| Net operating income to assets | 1.2307% | 1,944 |
| Return on assets (ROA) | 1.2704% | 1,883 |
| Pretax return on assets | 1.2704% | 2,608 |
| Return on Equity (ROE) | 11.9518% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.0059% | 1,864 |
| Net charge-offs to loans | 0.0303% | 2,793 |
| Credit loss provision to net charge-offs | 437.7049% | 655 |
| Earnings coverage of net charge-offs (x) | 70.9016% | 880 |
| Efficiency ratio | 76.9984% | 1,263 |
| Assets per employee ($millions) | 3.5347% | 4,447 |
| Cash dividends to net income (ytd only)* | 49.7493% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,285 |
| Loan loss allowance to noncurrent loans | 270.4172% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,553 |
| Noncurrent loans to loans | 0.3839% | 3,061 |
| Net loans and leases to total assets | 57.6907% | 3,793 |
| Net loans and leases to deposits | 64.4536% | 4,051 |
| Net loans and leases to core deposits | 65.0349% | 4,229 |
| Total domestic deposits to total assets | 89.5073% | 484 |
| Equity capital to assets | 10.3532% | 3,586 |
| Core capital (leverage) ratio | 9.6442% | 3,911 |
| Tier 1 risk-based capital ratio | 14.7129% | 2,902 |
| Total risk-based capital ratio | 15.6770% | 2,960 |
| Memoranda: | ||
| Average total assets | $329,742,600 | 1,984 |
| Average earning assets | $302,388,800 | 2,006 |
| Average equity | $35,049,000 | 2,135 |
| Average total loans | $201,330,800 | 2,158 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 4,191 |
| Cost of funding earning assets | 0.2499% | 4,924 |
| Net interest margin | 3.8322% | 2,496 |
| Noninterest income to average assets | 2.1592% | 234 |
| Noninterest expense to average assets | 4.3481% | 345 |
| Loan and lease loss provision to assets | 0.0824% | 2,261 |
| Net operating income to assets | 1.2521% | 2,010 |
| Return on assets (ROA) | 1.3061% | 1,916 |
| Pretax return on assets | 1.3061% | 2,645 |
| Return on Equity (ROE) | 12.2012% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.6236% | 2,554 |
| Net charge-offs to loans | 0.0373% | 2,345 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 57.8788% | 1,080 |
| Efficiency ratio | 76.5162% | 1,270 |
| Assets per employee ($millions) | 3.4140% | 4,588 |
| Cash dividends to net income (ytd only)* | 53.9091% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,373 |
| Loan loss allowance to noncurrent loans | 257.6923% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,616 |
| Noncurrent loans to loans | 0.4016% | 3,106 |
| Net loans and leases to total assets | 58.7606% | 3,800 |
| Net loans and leases to deposits | 65.8820% | 4,075 |
| Net loans and leases to core deposits | 66.5059% | 4,245 |
| Total domestic deposits to total assets | 89.1906% | 558 |
| Equity capital to assets | 10.6602% | 3,411 |
| Core capital (leverage) ratio | 10.0112% | 3,632 |
| Tier 1 risk-based capital ratio | 14.7654% | 2,969 |
| Total risk-based capital ratio | 15.7246% | 3,009 |
| Memoranda: | ||
| Average total assets | $323,811,750 | 2,022 |
| Average earning assets | $297,712,000 | 2,053 |
| Average equity | $34,662,500 | 2,168 |
| Average total loans | $200,149,500 | 2,182 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 4,228 |
| Cost of funding earning assets | 0.2386% | 4,985 |
| Net interest margin | 3.8325% | 2,470 |
| Noninterest income to average assets | 2.0183% | 263 |
| Noninterest expense to average assets | 4.2885% | 373 |
| Loan and lease loss provision to assets | 0.0840% | 2,167 |
| Net operating income to assets | 1.1890% | 2,187 |
| Return on assets (ROA) | 1.2692% | 1,949 |
| Pretax return on assets | 1.2692% | 2,678 |
| Return on Equity (ROE) | 11.8398% | 1,644 |
| Retained earnings to average equity (ytd only) | 5.9930% | 2,284 |
| Net charge-offs to loans | 0.0550% | 1,859 |
| Credit loss provision to net charge-offs | 243.6364% | 1,046 |
| Earnings coverage of net charge-offs (x) | 36.9273% | 1,296 |
| Efficiency ratio | 77.1103% | 1,258 |
| Assets per employee ($millions) | 3.2919% | 4,702 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,774 |
| Loan loss allowance to noncurrent loans | 243.8788% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,537 |
| Noncurrent loans to loans | 0.3986% | 3,101 |
| Net loans and leases to total assets | 64.1883% | 3,317 |
| Net loans and leases to deposits | 72.2982% | 3,664 |
| Net loans and leases to core deposits | 73.3431% | 3,926 |
| Total domestic deposits to total assets | 88.7826% | 751 |
| Equity capital to assets | 11.0927% | 2,954 |
| Core capital (leverage) ratio | 10.1866% | 3,396 |
| Tier 1 risk-based capital ratio | 14.0558% | 3,291 |
| Total risk-based capital ratio | 14.9534% | 3,372 |
| Memoranda: | ||
| Average total assets | $319,087,330 | 2,052 |
| Average earning assets | $295,003,330 | 2,072 |
| Average equity | $34,206,670 | 2,184 |
| Average total loans | $199,973,000 | 2,188 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,418 |
| Cost of funding earning assets | 0.2089% | 5,099 |
| Net interest margin | 3.7662% | 2,647 |
| Noninterest income to average assets | 1.7807% | 289 |
| Noninterest expense to average assets | 4.2273% | 386 |
| Loan and lease loss provision to assets | 0.0840% | 2,023 |
| Net operating income to assets | 0.9518% | 3,043 |
| Return on assets (ROA) | 0.9518% | 3,086 |
| Pretax return on assets | 0.9518% | 3,609 |
| Return on Equity (ROE) | 9.0358% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.2739% | 3,211 |
| Net charge-offs to loans | 0.1120% | 1,068 |
| Credit loss provision to net charge-offs | 121.8182% | 1,404 |
| Earnings coverage of net charge-offs (x) | 15.0182% | 1,762 |
| Efficiency ratio | 80.3193% | 1,029 |
| Assets per employee ($millions) | 3.4109% | 4,643 |
| Cash dividends to net income (ytd only)* | 52.7009% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,849 |
| Loan loss allowance to noncurrent loans | 228.0188% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 3,523 |
| Noncurrent loans to loans | 0.4272% | 3,055 |
| Net loans and leases to total assets | 63.0112% | 3,402 |
| Net loans and leases to deposits | 70.7962% | 3,708 |
| Net loans and leases to core deposits | 71.9657% | 3,945 |
| Total domestic deposits to total assets | 89.0037% | 856 |
| Equity capital to assets | 10.8809% | 2,974 |
| Core capital (leverage) ratio | 10.1033% | 3,491 |
| Tier 1 risk-based capital ratio | 13.8866% | 3,401 |
| Total risk-based capital ratio | 14.7634% | 3,507 |
| Memoranda: | ||
| Average total assets | $318,972,500 | 2,066 |
| Average earning assets | $294,943,000 | 2,079 |
| Average equity | $33,599,500 | 2,212 |
| Average total loans | $196,471,500 | 2,233 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,411 |
| Cost of funding earning assets | 0.1698% | 5,116 |
| Net interest margin | 3.6671% | 3,168 |
| Noninterest income to average assets | 1.9251% | 287 |
| Noninterest expense to average assets | 4.0854% | 478 |
| Loan and lease loss provision to assets | 0.0663% | 2,827 |
| Net operating income to assets | 1.1463% | 2,406 |
| Return on assets (ROA) | 1.1525% | 2,377 |
| Pretax return on assets | 1.1525% | 3,089 |
| Return on Equity (ROE) | 11.0876% | 2,048 |
| Retained earnings to average equity (ytd only) | 7.3163% | 1,532 |
| Net charge-offs to loans | 0.0093% | 3,358 |
| Credit loss provision to net charge-offs | 1,194.1176% | 337 |
| Earnings coverage of net charge-offs (x) | 218.3529% | 423 |
| Efficiency ratio | 77.1119% | 1,221 |
| Assets per employee ($millions) | 3.3416% | 4,709 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,688 |
| Loan loss allowance to noncurrent loans | 690.3571% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,387 |
| Noncurrent loans to loans | 0.1449% | 4,094 |
| Net loans and leases to total assets | 59.0278% | 3,867 |
| Net loans and leases to deposits | 65.8046% | 4,133 |
| Net loans and leases to core deposits | 66.2642% | 4,338 |
| Total domestic deposits to total assets | 89.7016% | 576 |
| Equity capital to assets | 10.1975% | 3,471 |
| Core capital (leverage) ratio | 9.7084% | 3,898 |
| Tier 1 risk-based capital ratio | 14.2606% | 3,178 |
| Total risk-based capital ratio | 15.1667% | 3,249 |
| Memoranda: | ||
| Average total assets | $306,115,400 | 2,114 |
| Average earning assets | $281,556,200 | 2,123 |
| Average equity | $31,819,400 | 2,232 |
| Average total loans | $182,016,000 | 2,316 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,482 |
| Cost of funding earning assets | 0.1621% | 5,180 |
| Net interest margin | 3.6162% | 3,315 |
| Noninterest income to average assets | 1.9376% | 290 |
| Noninterest expense to average assets | 3.9847% | 535 |
| Loan and lease loss provision to assets | 0.0672% | 2,637 |
| Net operating income to assets | 1.2086% | 2,209 |
| Return on assets (ROA) | 1.2170% | 2,169 |
| Pretax return on assets | 1.2170% | 2,927 |
| Return on Equity (ROE) | 11.6486% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.4752% | 1,431 |
| Net charge-offs to loans | 0.0045% | 3,290 |
| Credit loss provision to net charge-offs | 2,533.3333% | 165 |
| Earnings coverage of net charge-offs (x) | 480.9875% | 195 |
| Efficiency ratio | 75.7479% | 1,383 |
| Assets per employee ($millions) | 3.2632% | 4,822 |
| Cash dividends to net income (ytd only)* | 27.2432% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,718 |
| Loan loss allowance to noncurrent loans | 499.4723% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,338 |
| Noncurrent loans to loans | 0.2014% | 3,992 |
| Net loans and leases to total assets | 61.3906% | 3,709 |
| Net loans and leases to deposits | 68.7740% | 4,005 |
| Net loans and leases to core deposits | 69.2323% | 4,235 |
| Total domestic deposits to total assets | 89.2643% | 744 |
| Equity capital to assets | 10.6355% | 3,009 |
| Core capital (leverage) ratio | 10.0363% | 3,599 |
| Tier 1 risk-based capital ratio | 14.3171% | 3,205 |
| Total risk-based capital ratio | 15.2186% | 3,297 |
| Memoranda: | ||
| Average total assets | $301,609,500 | 2,156 |
| Average earning assets | $277,156,000 | 2,164 |
| Average equity | $31,510,750 | 2,251 |
| Average total loans | $179,203,750 | 2,350 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,587 |
| Cost of funding earning assets | 0.1469% | 5,259 |
| Net interest margin | 3.5524% | 3,463 |
| Noninterest income to average assets | 1.8379% | 307 |
| Noninterest expense to average assets | 3.8653% | 633 |
| Loan and lease loss provision to assets | 0.0671% | 2,549 |
| Net operating income to assets | 1.1668% | 2,323 |
| Return on assets (ROA) | 1.1668% | 2,326 |
| Pretax return on assets | 1.1668% | 3,065 |
| Return on Equity (ROE) | 11.2364% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.7572% | 2,187 |
| Net charge-offs to loans | 0.0079% | 2,846 |
| Credit loss provision to net charge-offs | 1,442.8571% | 295 |
| Earnings coverage of net charge-offs (x) | 265.2857% | 343 |
| Efficiency ratio | 75.8014% | 1,450 |
| Assets per employee ($millions) | 3.3227% | 4,793 |
| Cash dividends to net income (ytd only)* | 39.8633% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,684 |
| Loan loss allowance to noncurrent loans | 549.8507% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 4,423 |
| Noncurrent loans to loans | 0.1864% | 4,072 |
| Net loans and leases to total assets | 60.8368% | 3,725 |
| Net loans and leases to deposits | 70.4199% | 3,821 |
| Net loans and leases to core deposits | 70.9239% | 4,085 |
| Total domestic deposits to total assets | 86.3914% | 2,100 |
| Equity capital to assets | 10.7829% | 2,850 |
| Core capital (leverage) ratio | 10.1682% | 3,400 |
| Tier 1 risk-based capital ratio | 14.4253% | 3,148 |
| Total risk-based capital ratio | 15.3392% | 3,235 |
| Memoranda: | ||
| Average total assets | $300,988,330 | 2,165 |
| Average earning assets | $276,321,000 | 2,181 |
| Average equity | $31,255,670 | 2,273 |
| Average total loans | $176,206,000 | 2,387 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,710 |
| Cost of funding earning assets | 0.1315% | 5,351 |
| Net interest margin | 3.4659% | 3,654 |
| Noninterest income to average assets | 1.5736% | 392 |
| Noninterest expense to average assets | 3.5246% | 959 |
| Loan and lease loss provision to assets | 0.0668% | 2,437 |
| Net operating income to assets | 1.1583% | 2,181 |
| Return on assets (ROA) | 1.1583% | 2,194 |
| Pretax return on assets | 1.1583% | 2,944 |
| Return on Equity (ROE) | 11.3628% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.2213% | 2,617 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2069% | 1,871 |
| Assets per employee ($millions) | 3.6809% | 4,443 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,788 |
| Loan loss allowance to noncurrent loans | 516.6667% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,523 |
| Noncurrent loans to loans | 0.1992% | 4,073 |
| Net loans and leases to total assets | 56.5814% | 4,073 |
| Net loans and leases to deposits | 63.0205% | 4,271 |
| Net loans and leases to core deposits | 63.3768% | 4,460 |
| Total domestic deposits to total assets | 89.7825% | 750 |
| Equity capital to assets | 10.1423% | 3,460 |
| Core capital (leverage) ratio | 9.9077% | 3,632 |
| Tier 1 risk-based capital ratio | 14.6600% | 3,048 |
| Total risk-based capital ratio | 15.5860% | 3,123 |
| Memoranda: | ||
| Average total assets | $305,284,000 | 2,160 |
| Average earning assets | $279,758,000 | 2,182 |
| Average equity | $31,119,000 | 2,296 |
| Average total loans | $174,445,500 | 2,420 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 4,676 |
| Cost of funding earning assets | 0.1349% | 5,346 |
| Net interest margin | 3.4228% | 3,774 |
| Noninterest income to average assets | 1.5030% | 465 |
| Noninterest expense to average assets | 3.3894% | 1,217 |
| Loan and lease loss provision to assets | 0.0274% | 3,735 |
| Net operating income to assets | 1.2550% | 1,345 |
| Return on assets (ROA) | 1.2677% | 1,329 |
| Pretax return on assets | 1.2677% | 2,477 |
| Return on Equity (ROE) | 12.2787% | 1,132 |
| Retained earnings to average equity (ytd only) | 9.3220% | 454 |
| Net charge-offs to loans | 0.0127% | 3,637 |
| Credit loss provision to net charge-offs | 380.9524% | 792 |
| Earnings coverage of net charge-offs (x) | 178.0476% | 434 |
| Efficiency ratio | 72.5497% | 2,142 |
| Assets per employee ($millions) | 4.0139% | 3,937 |
| Cash dividends to net income (ytd only)* | 24.0801% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,924 |
| Loan loss allowance to noncurrent loans | 481.2672% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,539 |
| Noncurrent loans to loans | 0.2083% | 4,076 |
| Net loans and leases to total assets | 56.5415% | 4,139 |
| Net loans and leases to deposits | 63.0836% | 4,375 |
| Net loans and leases to core deposits | 63.4414% | 4,569 |
| Total domestic deposits to total assets | 89.6294% | 716 |
| Equity capital to assets | 10.2447% | 3,442 |
| Core capital (leverage) ratio | 9.7176% | 3,788 |
| Tier 1 risk-based capital ratio | 14.6285% | 3,022 |
| Total risk-based capital ratio | 15.5431% | 3,095 |
| Memoranda: | ||
| Average total assets | $291,558,800 | 2,211 |
| Average earning assets | $269,923,800 | 2,207 |
| Average equity | $30,100,800 | 2,350 |
| Average total loans | $164,915,000 | 2,485 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 4,693 |
| Cost of funding earning assets | 0.1345% | 5,402 |
| Net interest margin | 3.4149% | 3,797 |
| Noninterest income to average assets | 1.4643% | 501 |
| Noninterest expense to average assets | 3.2904% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3449% | 1,212 |
| Return on assets (ROA) | 1.3621% | 1,193 |
| Pretax return on assets | 1.3621% | 2,238 |
| Return on Equity (ROE) | 13.1662% | 1,019 |
| Retained earnings to average equity (ytd only) | 10.7065% | 459 |
| Net charge-offs to loans | 0.0148% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 161.4958% | 511 |
| Efficiency ratio | 70.9851% | 2,368 |
| Assets per employee ($millions) | 3.7461% | 4,382 |
| Cash dividends to net income (ytd only)* | 18.6822% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 4,191 |
| Loan loss allowance to noncurrent loans | 439.4737% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,591 |
| Noncurrent loans to loans | 0.2227% | 4,175 |
| Net loans and leases to total assets | 58.5792% | 4,009 |
| Net loans and leases to deposits | 65.8158% | 4,267 |
| Net loans and leases to core deposits | 66.2395% | 4,468 |
| Total domestic deposits to total assets | 89.0046% | 891 |
| Equity capital to assets | 10.8667% | 2,996 |
| Core capital (leverage) ratio | 9.9658% | 3,609 |
| Tier 1 risk-based capital ratio | 14.6888% | 3,076 |
| Total risk-based capital ratio | 15.5811% | 3,183 |
| Memoranda: | ||
| Average total assets | $288,185,000 | 2,243 |
| Average earning assets | $267,605,250 | 2,237 |
| Average equity | $29,813,000 | 2,381 |
| Average total loans | $162,586,500 | 2,528 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 4,747 |
| Cost of funding earning assets | 0.1373% | 5,405 |
| Net interest margin | 3.3702% | 3,877 |
| Noninterest income to average assets | 1.4099% | 544 |
| Noninterest expense to average assets | 3.2579% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2871% | 1,330 |
| Return on assets (ROA) | 1.3128% | 1,293 |
| Pretax return on assets | 1.3128% | 2,339 |
| Return on Equity (ROE) | 12.9068% | 1,061 |
| Retained earnings to average equity (ytd only) | 9.4941% | 712 |
| Net charge-offs to loans | 0.0225% | 2,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 643 |
| Efficiency ratio | 71.6817% | 2,400 |
| Assets per employee ($millions) | 3.7735% | 4,315 |
| Cash dividends to net income (ytd only)* | 26.4410% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,119 |
| Loan loss allowance to noncurrent loans | 258.5139% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 4,249 |
| Noncurrent loans to loans | 0.3886% | 3,631 |
| Net loans and leases to total assets | 57.3879% | 4,088 |
| Net loans and leases to deposits | 64.2594% | 4,356 |
| Net loans and leases to core deposits | 64.7410% | 4,555 |
| Total domestic deposits to total assets | 89.3066% | 805 |
| Equity capital to assets | 10.5814% | 3,253 |
| Core capital (leverage) ratio | 9.8395% | 3,730 |
| Tier 1 risk-based capital ratio | 14.3225% | 3,254 |
| Total risk-based capital ratio | 15.2250% | 3,358 |
| Memoranda: | ||
| Average total assets | $288,097,000 | 2,249 |
| Average earning assets | $267,993,330 | 2,248 |
| Average equity | $29,302,330 | 2,421 |
| Average total loans | $159,901,670 | 2,569 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3441% | 5,043 |
| Cost of funding earning assets | 0.1440% | 5,413 |
| Net interest margin | 3.2001% | 4,346 |
| Noninterest income to average assets | 1.3728% | 558 |
| Noninterest expense to average assets | 3.1764% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1830% | 1,541 |
| Return on assets (ROA) | 1.1830% | 1,586 |
| Pretax return on assets | 1.1830% | 2,667 |
| Return on Equity (ROE) | 11.8691% | 1,279 |
| Retained earnings to average equity (ytd only) | 10.4793% | 709 |
| Net charge-offs to loans | 0.0485% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 44.9474% | 954 |
| Efficiency ratio | 72.8630% | 2,429 |
| Assets per employee ($millions) | 3.8353% | 4,287 |
| Cash dividends to net income (ytd only)* | 11.7096% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,921 |
| Loan loss allowance to noncurrent loans | 207.0720% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 4,091 |
| Noncurrent loans to loans | 0.5128% | 3,281 |
| Net loans and leases to total assets | 54.0617% | 4,336 |
| Net loans and leases to deposits | 60.3515% | 4,542 |
| Net loans and leases to core deposits | 61.0697% | 4,717 |
| Total domestic deposits to total assets | 89.5780% | 861 |
| Equity capital to assets | 10.1376% | 3,589 |
| Core capital (leverage) ratio | 9.6235% | 3,963 |
| Tier 1 risk-based capital ratio | 14.6903% | 3,120 |
| Total risk-based capital ratio | 15.6378% | 3,190 |
| Memoranda: | ||
| Average total assets | $288,753,000 | 2,266 |
| Average earning assets | $269,491,000 | 2,252 |
| Average equity | $28,780,500 | 2,457 |
| Average total loans | $156,727,500 | 2,625 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 4,972 |
| Cost of funding earning assets | 0.1464% | 5,444 |
| Net interest margin | 3.2571% | 4,276 |
| Noninterest income to average assets | 1.4391% | 557 |
| Noninterest expense to average assets | 3.2414% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2406% | 1,377 |
| Return on assets (ROA) | 1.2406% | 1,462 |
| Pretax return on assets | 1.2406% | 2,510 |
| Return on Equity (ROE) | 12.5471% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.1957% | 1,153 |
| Net charge-offs to loans | 0.0007% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3,456.0000% | 12 |
| Efficiency ratio | 72.3210% | 2,543 |
| Assets per employee ($millions) | 3.9706% | 4,020 |
| Cash dividends to net income (ytd only)* | 42.6505% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,829 |
| Loan loss allowance to noncurrent loans | 183.1705% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 4,004 |
| Noncurrent loans to loans | 0.5893% | 3,080 |
| Net loans and leases to total assets | 53.3336% | 4,497 |
| Net loans and leases to deposits | 59.3067% | 4,719 |
| Net loans and leases to core deposits | 60.0040% | 4,859 |
| Total domestic deposits to total assets | 89.9284% | 664 |
| Equity capital to assets | 9.7980% | 3,942 |
| Core capital (leverage) ratio | 9.2356% | 4,428 |
| Tier 1 risk-based capital ratio | 14.5827% | 3,162 |
| Total risk-based capital ratio | 15.5614% | 3,205 |
| Memoranda: | ||
| Average total assets | $278,583,800 | 2,295 |
| Average earning assets | $260,265,000 | 2,281 |
| Average equity | $27,544,200 | 2,533 |
| Average total loans | $153,517,200 | 2,599 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4268% | 4,962 |
| Cost of funding earning assets | 0.1480% | 5,497 |
| Net interest margin | 3.2788% | 4,260 |
| Noninterest income to average assets | 0.5710% | 2,806 |
| Noninterest expense to average assets | 2.3324% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3030% | 1,281 |
| Return on assets (ROA) | 1.3030% | 1,378 |
| Pretax return on assets | 1.3030% | 2,419 |
| Return on Equity (ROE) | 13.1475% | 1,013 |
| Retained earnings to average equity (ytd only) | 7.8007% | 1,256 |
| Net charge-offs to loans | 0.0026% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 898.3100% | 97 |
| Efficiency ratio | 64.1575% | 3,903 |
| Assets per employee ($millions) | 3.7615% | 4,375 |
| Cash dividends to net income (ytd only)* | 40.6680% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 4,121 |
| Loan loss allowance to noncurrent loans | 191.2698% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 4,158 |
| Noncurrent loans to loans | 0.5492% | 3,351 |
| Net loans and leases to total assets | 56.3299% | 4,272 |
| Net loans and leases to deposits | 62.9806% | 4,559 |
| Net loans and leases to core deposits | 63.7459% | 4,737 |
| Total domestic deposits to total assets | 89.4400% | 706 |
| Equity capital to assets | 10.2484% | 3,860 |
| Core capital (leverage) ratio | 9.1739% | 4,630 |
| Tier 1 risk-based capital ratio | 14.0785% | 3,523 |
| Total risk-based capital ratio | 15.0380% | 3,607 |
| Memoranda: | ||
| Average total assets | $275,766,000 | 2,320 |
| Average earning assets | $257,727,500 | 2,307 |
| Average equity | $27,330,250 | 2,564 |
| Average total loans | $152,827,250 | 2,612 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4061% | 5,066 |
| Cost of funding earning assets | 0.1483% | 5,555 |
| Net interest margin | 3.2579% | 4,354 |
| Noninterest income to average assets | 0.5752% | 2,759 |
| Noninterest expense to average assets | 2.3417% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2849% | 1,317 |
| Return on assets (ROA) | 1.2849% | 1,428 |
| Pretax return on assets | 1.2849% | 2,466 |
| Return on Equity (ROE) | 13.1179% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.7529% | 1,267 |
| Net charge-offs to loans | 0.0040% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 586.0000% | 110 |
| Efficiency ratio | 64.5707% | 3,920 |
| Assets per employee ($millions) | 3.7922% | 4,276 |
| Cash dividends to net income (ytd only)* | 40.8987% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 4,054 |
| Loan loss allowance to noncurrent loans | 185.0714% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,166 |
| Noncurrent loans to loans | 0.5832% | 3,314 |
| Net loans and leases to total assets | 56.5923% | 4,241 |
| Net loans and leases to deposits | 63.3592% | 4,537 |
| Net loans and leases to core deposits | 64.3570% | 4,722 |
| Total domestic deposits to total assets | 89.3198% | 754 |
| Equity capital to assets | 10.4030% | 3,741 |
| Core capital (leverage) ratio | 9.2662% | 4,501 |
| Tier 1 risk-based capital ratio | 14.1476% | 3,526 |
| Total risk-based capital ratio | 15.1336% | 3,589 |
| Memoranda: | ||
| Average total assets | $273,650,330 | 2,344 |
| Average earning assets | $256,304,000 | 2,328 |
| Average equity | $26,803,000 | 2,609 |
| Average total loans | $150,236,000 | 2,643 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 5,223 |
| Cost of funding earning assets | 0.1431% | 5,654 |
| Net interest margin | 3.2080% | 4,556 |
| Noninterest income to average assets | 1.3258% | 623 |
| Noninterest expense to average assets | 3.0253% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3126% | 1,226 |
| Return on assets (ROA) | 1.3126% | 1,303 |
| Pretax return on assets | 1.3126% | 2,249 |
| Return on Equity (ROE) | 13.8294% | 868 |
| Retained earnings to average equity (ytd only) | 8.5838% | 1,232 |
| Net charge-offs to loans | -0.0027% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7408% | 3,176 |
| Assets per employee ($millions) | 4.0400% | 3,876 |
| Cash dividends to net income (ytd only)* | 37.9310% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,810 |
| Loan loss allowance to noncurrent loans | 227.1505% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 4,491 |
| Noncurrent loans to loans | 0.5035% | 3,670 |
| Net loans and leases to total assets | 52.4059% | 4,592 |
| Net loans and leases to deposits | 58.3544% | 4,832 |
| Net loans and leases to core deposits | 59.2476% | 4,987 |
| Total domestic deposits to total assets | 89.8062% | 673 |
| Equity capital to assets | 9.9424% | 4,158 |
| Core capital (leverage) ratio | 9.1995% | 4,601 |
| Tier 1 risk-based capital ratio | 14.5866% | 3,346 |
| Total risk-based capital ratio | 15.6260% | 3,388 |
| Memoranda: | ||
| Average total assets | $273,957,000 | 2,354 |
| Average earning assets | $257,232,000 | 2,332 |
| Average equity | $26,002,500 | 2,659 |
| Average total loans | $147,252,000 | 2,691 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 5,418 |
| Cost of funding earning assets | 0.1541% | 5,659 |
| Net interest margin | 3.1040% | 4,890 |
| Noninterest income to average assets | 0.4021% | 4,020 |
| Noninterest expense to average assets | 2.3119% | 4,749 |
| Loan and lease loss provision to assets | 0.0168% | 4,075 |
| Net operating income to assets | 1.0493% | 2,126 |
| Return on assets (ROA) | 1.0493% | 2,213 |
| Pretax return on assets | 1.0493% | 3,269 |
| Return on Equity (ROE) | 11.9044% | 1,328 |
| Retained earnings to average equity (ytd only) | 6.8769% | 1,335 |
| Net charge-offs to loans | -0.0298% | 5,399 |
| Credit loss provision to net charge-offs | -104.6512% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4408% | 3,485 |
| Assets per employee ($millions) | 4.9844% | 2,386 |
| Cash dividends to net income (ytd only)* | 42.2325% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,745 |
| Loan loss allowance to noncurrent loans | 642.2053% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,224 |
| Noncurrent loans to loans | 0.1792% | 4,777 |
| Net loans and leases to total assets | 53.8868% | 4,515 |
| Net loans and leases to deposits | 59.4042% | 4,816 |
| Net loans and leases to core deposits | 60.4243% | 4,953 |
| Total domestic deposits to total assets | 90.7121% | 370 |
| Equity capital to assets | 9.0245% | 5,099 |
| Core capital (leverage) ratio | 8.8839% | 5,022 |
| Tier 1 risk-based capital ratio | 15.1892% | 3,086 |
| Total risk-based capital ratio | 16.2982% | 3,088 |
| Memoranda: | ||
| Average total assets | $268,090,800 | 2,359 |
| Average earning assets | $257,023,600 | 2,288 |
| Average equity | $23,630,000 | 2,819 |
| Average total loans | $144,198,400 | 2,683 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2312% | 5,541 |
| Cost of funding earning assets | 0.1570% | 5,733 |
| Net interest margin | 3.0742% | 5,025 |
| Noninterest income to average assets | 0.3913% | 4,145 |
| Noninterest expense to average assets | 2.2059% | 5,038 |
| Loan and lease loss provision to assets | 0.0224% | 3,827 |
| Net operating income to assets | 1.1171% | 1,934 |
| Return on assets (ROA) | 1.1171% | 2,009 |
| Pretax return on assets | 1.1171% | 3,151 |
| Return on Equity (ROE) | 12.7506% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.9379% | 1,258 |
| Net charge-offs to loans | -0.0399% | 5,465 |
| Credit loss provision to net charge-offs | -104.6512% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9375% | 3,899 |
| Assets per employee ($millions) | 5.0345% | 2,264 |
| Cash dividends to net income (ytd only)* | 37.7452% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,883 |
| Loan loss allowance to noncurrent loans | 609.3863% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 5,332 |
| Noncurrent loans to loans | 0.1901% | 4,886 |
| Net loans and leases to total assets | 53.9762% | 4,570 |
| Net loans and leases to deposits | 59.5742% | 4,886 |
| Net loans and leases to core deposits | 60.6060% | 5,024 |
| Total domestic deposits to total assets | 90.6033% | 362 |
| Equity capital to assets | 9.1138% | 5,202 |
| Core capital (leverage) ratio | 8.9142% | 5,099 |
| Tier 1 risk-based capital ratio | 15.1404% | 3,219 |
| Total risk-based capital ratio | 16.2572% | 3,226 |
| Memoranda: | ||
| Average total assets | $267,824,250 | 2,378 |
| Average earning assets | $257,358,000 | 2,295 |
| Average equity | $23,465,000 | 2,863 |
| Average total loans | $143,565,750 | 2,704 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 5,671 |
| Cost of funding earning assets | 0.1593% | 5,781 |
| Net interest margin | 3.0020% | 5,210 |
| Noninterest income to average assets | 0.3774% | 4,250 |
| Noninterest expense to average assets | 2.1614% | 5,199 |
| Loan and lease loss provision to assets | 0.0336% | 3,442 |
| Net operating income to assets | 1.0777% | 2,021 |
| Return on assets (ROA) | 1.0777% | 2,127 |
| Pretax return on assets | 1.0777% | 3,270 |
| Return on Equity (ROE) | 12.4673% | 1,238 |
| Retained earnings to average equity (ytd only) | 8.1016% | 1,222 |
| Net charge-offs to loans | -0.0658% | 5,643 |
| Credit loss provision to net charge-offs | -95.7447% | 4,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0438% | 3,999 |
| Assets per employee ($millions) | 4.9956% | 2,280 |
| Cash dividends to net income (ytd only)* | 35.0173% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 4,009 |
| Loan loss allowance to noncurrent loans | 593.6842% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,422 |
| Noncurrent loans to loans | 0.1960% | 4,991 |
| Net loans and leases to total assets | 55.3281% | 4,403 |
| Net loans and leases to deposits | 61.0495% | 4,770 |
| Net loans and leases to core deposits | 62.1358% | 4,937 |
| Total domestic deposits to total assets | 90.6283% | 407 |
| Equity capital to assets | 9.0899% | 5,156 |
| Core capital (leverage) ratio | 8.9219% | 5,062 |
| Tier 1 risk-based capital ratio | 14.7886% | 3,479 |
| Total risk-based capital ratio | 15.9044% | 3,479 |
| Memoranda: | ||
| Average total assets | $268,156,670 | 2,391 |
| Average earning assets | $258,625,330 | 2,306 |
| Average equity | $23,180,670 | 2,900 |
| Average total loans | $142,850,670 | 2,721 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0735% | 5,814 |
| Cost of funding earning assets | 0.1628% | 5,825 |
| Net interest margin | 2.9107% | 5,432 |
| Noninterest income to average assets | 0.3701% | 4,246 |
| Noninterest expense to average assets | 2.0665% | 5,457 |
| Loan and lease loss provision to assets | 0.0661% | 2,614 |
| Net operating income to assets | 1.0472% | 2,044 |
| Return on assets (ROA) | 1.0472% | 2,192 |
| Pretax return on assets | 1.0472% | 3,309 |
| Return on Equity (ROE) | 12.4192% | 1,240 |
| Retained earnings to average equity (ytd only) | 6.5318% | 2,221 |
| Net charge-offs to loans | -0.1017% | 5,863 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9885% | 4,318 |
| Assets per employee ($millions) | 5.3113% | 1,980 |
| Cash dividends to net income (ytd only)* | 47.4053% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 4,118 |
| Loan loss allowance to noncurrent loans | 567.9054% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 5,519 |
| Noncurrent loans to loans | 0.2070% | 5,038 |
| Net loans and leases to total assets | 52.1672% | 4,647 |
| Net loans and leases to deposits | 57.2301% | 4,967 |
| Net loans and leases to core deposits | 58.2041% | 5,112 |
| Total domestic deposits to total assets | 91.1535% | 308 |
| Equity capital to assets | 8.5781% | 5,680 |
| Core capital (leverage) ratio | 8.8150% | 5,185 |
| Tier 1 risk-based capital ratio | 14.4292% | 3,760 |
| Total risk-based capital ratio | 15.5389% | 3,762 |
| Memoranda: | ||
| Average total assets | $272,349,000 | 2,367 |
| Average earning assets | $262,890,000 | 2,295 |
| Average equity | $22,964,500 | 2,934 |
| Average total loans | $141,566,500 | 2,739 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 5,448 |
| Cost of funding earning assets | 0.1692% | 5,983 |
| Net interest margin | 3.2705% | 4,683 |
| Noninterest income to average assets | 0.4723% | 3,693 |
| Noninterest expense to average assets | 2.3962% | 4,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2217% | 1,519 |
| Return on assets (ROA) | 1.0276% | 2,344 |
| Pretax return on assets | 1.0276% | 3,392 |
| Return on Equity (ROE) | 11.7577% | 1,476 |
| Retained earnings to average equity (ytd only) | 3.5378% | 3,708 |
| Net charge-offs to loans | 0.0112% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 205.2000% | 261 |
| Efficiency ratio | 66.2315% | 4,212 |
| Assets per employee ($millions) | 5.1665% | 2,106 |
| Cash dividends to net income (ytd only)* | 69.9112% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 4,329 |
| Loan loss allowance to noncurrent loans | 528.0528% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 5,595 |
| Noncurrent loans to loans | 0.2162% | 5,044 |
| Net loans and leases to total assets | 50.5962% | 4,910 |
| Net loans and leases to deposits | 55.3180% | 5,220 |
| Net loans and leases to core deposits | 56.3586% | 5,357 |
| Total domestic deposits to total assets | 91.4642% | 235 |
| Equity capital to assets | 8.2875% | 5,899 |
| Core capital (leverage) ratio | 8.6634% | 5,376 |
| Tier 1 risk-based capital ratio | 14.6686% | 3,684 |
| Total risk-based capital ratio | 15.7627% | 3,712 |
| Memoranda: | ||
| Average total assets | $251,945,000 | 2,506 |
| Average earning assets | $242,315,400 | 2,408 |
| Average equity | $22,019,600 | 2,944 |
| Average total loans | $134,082,800 | 2,792 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 5,438 |
| Cost of funding earning assets | 0.1689% | 6,069 |
| Net interest margin | 3.3135% | 4,555 |
| Noninterest income to average assets | 0.4641% | 3,774 |
| Noninterest expense to average assets | 2.3915% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2561% | 1,509 |
| Return on assets (ROA) | 1.0575% | 2,272 |
| Pretax return on assets | 1.0575% | 3,351 |
| Return on Equity (ROE) | 11.9288% | 1,498 |
| Retained earnings to average equity (ytd only) | 4.1004% | 3,733 |
| Net charge-offs to loans | 0.0221% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 105.5547% | 562 |
| Efficiency ratio | 65.5643% | 4,285 |
| Assets per employee ($millions) | 4.6644% | 2,714 |
| Cash dividends to net income (ytd only)* | 65.6265% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,409 |
| Loan loss allowance to noncurrent loans | 1,503.7736% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,994 |
| Noncurrent loans to loans | 0.0775% | 5,712 |
| Net loans and leases to total assets | 54.6921% | 4,493 |
| Net loans and leases to deposits | 60.3194% | 4,910 |
| Net loans and leases to core deposits | 61.8051% | 5,044 |
| Total domestic deposits to total assets | 90.6708% | 461 |
| Equity capital to assets | 9.0347% | 5,316 |
| Core capital (leverage) ratio | 8.8006% | 5,338 |
| Tier 1 risk-based capital ratio | 14.6476% | 3,790 |
| Total risk-based capital ratio | 15.7486% | 3,828 |
| Memoranda: | ||
| Average total assets | $246,475,500 | 2,570 |
| Average earning assets | $236,806,500 | 2,477 |
| Average equity | $21,851,250 | 2,963 |
| Average total loans | $132,567,500 | 2,823 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4186% | 5,586 |
| Cost of funding earning assets | 0.1649% | 6,160 |
| Net interest margin | 3.2537% | 4,766 |
| Noninterest income to average assets | 0.4573% | 3,815 |
| Noninterest expense to average assets | 2.3815% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2013% | 1,584 |
| Return on assets (ROA) | 1.0023% | 2,383 |
| Pretax return on assets | 1.0023% | 3,469 |
| Return on Equity (ROE) | 11.3785% | 1,606 |
| Retained earnings to average equity (ytd only) | 4.4168% | 3,363 |
| Net charge-offs to loans | 0.0381% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 59.1600% | 815 |
| Efficiency ratio | 66.4702% | 4,291 |
| Assets per employee ($millions) | 4.6355% | 2,721 |
| Cash dividends to net income (ytd only)* | 61.1831% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,503 |
| Loan loss allowance to noncurrent loans | 503.1646% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 5,774 |
| Noncurrent loans to loans | 0.2351% | 5,291 |
| Net loans and leases to total assets | 53.0553% | 4,638 |
| Net loans and leases to deposits | 58.4050% | 5,002 |
| Net loans and leases to core deposits | 59.7953% | 5,141 |
| Total domestic deposits to total assets | 90.8404% | 460 |
| Equity capital to assets | 8.8520% | 5,469 |
| Core capital (leverage) ratio | 8.8291% | 5,249 |
| Tier 1 risk-based capital ratio | 14.5738% | 3,883 |
| Total risk-based capital ratio | 15.6835% | 3,915 |
| Memoranda: | ||
| Average total assets | $246,229,670 | 2,577 |
| Average earning assets | $236,529,330 | 2,475 |
| Average equity | $21,690,000 | 2,982 |
| Average total loans | $131,156,670 | 2,852 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 5,747 |
| Cost of funding earning assets | 0.1604% | 6,295 |
| Net interest margin | 3.1917% | 4,946 |
| Noninterest income to average assets | 0.4112% | 4,096 |
| Noninterest expense to average assets | 2.3736% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1024% | 1,804 |
| Return on assets (ROA) | 0.9026% | 2,706 |
| Pretax return on assets | 0.9026% | 3,688 |
| Return on Equity (ROE) | 10.2722% | 1,944 |
| Retained earnings to average equity (ytd only) | 0.5220% | 5,375 |
| Net charge-offs to loans | -0.0062% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2846% | 4,139 |
| Assets per employee ($millions) | 4.5375% | 2,919 |
| Cash dividends to net income (ytd only)* | 94.9183% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,461 |
| Loan loss allowance to noncurrent loans | 437.0270% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,785 |
| Noncurrent loans to loans | 0.2824% | 5,261 |
| Net loans and leases to total assets | 52.8166% | 4,560 |
| Net loans and leases to deposits | 58.0633% | 4,935 |
| Net loans and leases to core deposits | 59.5789% | 5,076 |
| Total domestic deposits to total assets | 90.9639% | 583 |
| Equity capital to assets | 8.7452% | 5,400 |
| Core capital (leverage) ratio | 8.7577% | 5,316 |
| Tier 1 risk-based capital ratio | 14.3500% | 4,098 |
| Total risk-based capital ratio | 15.4919% | 4,118 |
| Memoranda: | ||
| Average total assets | $244,186,500 | 2,605 |
| Average earning assets | $234,481,500 | 2,499 |
| Average equity | $21,456,000 | 2,998 |
| Average total loans | $129,537,000 | 2,886 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 5,539 |
| Cost of funding earning assets | 0.1765% | 6,409 |
| Net interest margin | 3.3715% | 4,397 |
| Noninterest income to average assets | 0.5341% | 3,529 |
| Noninterest expense to average assets | 2.4845% | 4,818 |
| Loan and lease loss provision to assets | 0.0257% | 4,615 |
| Net operating income to assets | 1.2528% | 1,382 |
| Return on assets (ROA) | 1.2558% | 1,431 |
| Pretax return on assets | 1.2558% | 2,333 |
| Return on Equity (ROE) | 13.9988% | 947 |
| Retained earnings to average equity (ytd only) | 4.2464% | 3,157 |
| Net charge-offs to loans | -0.0366% | 6,266 |
| Credit loss provision to net charge-offs | -125.0000% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0259% | 4,552 |
| Assets per employee ($millions) | 4.4245% | 3,040 |
| Cash dividends to net income (ytd only)* | 69.6660% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 4,336 |
| Loan loss allowance to noncurrent loans | 419.4805% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 5,845 |
| Noncurrent loans to loans | 0.3007% | 5,285 |
| Net loans and leases to total assets | 51.9536% | 4,856 |
| Net loans and leases to deposits | 57.1801% | 5,191 |
| Net loans and leases to core deposits | 58.3312% | 5,365 |
| Total domestic deposits to total assets | 90.8595% | 633 |
| Equity capital to assets | 8.8286% | 5,224 |
| Core capital (leverage) ratio | 8.6878% | 5,429 |
| Tier 1 risk-based capital ratio | 14.5973% | 3,902 |
| Total risk-based capital ratio | 15.7669% | 3,878 |
| Memoranda: | ||
| Average total assets | $233,645,000 | 2,684 |
| Average earning assets | $223,757,600 | 2,578 |
| Average equity | $20,959,000 | 3,047 |
| Average total loans | $131,243,000 | 2,841 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 5,482 |
| Cost of funding earning assets | 0.1801% | 6,503 |
| Net interest margin | 3.4051% | 4,266 |
| Noninterest income to average assets | 0.5374% | 3,535 |
| Noninterest expense to average assets | 2.4922% | 4,748 |
| Loan and lease loss provision to assets | 0.0346% | 4,325 |
| Net operating income to assets | 1.2698% | 1,434 |
| Return on assets (ROA) | 1.2738% | 1,490 |
| Pretax return on assets | 1.2738% | 2,436 |
| Return on Equity (ROE) | 14.1410% | 966 |
| Retained earnings to average equity (ytd only) | 4.1162% | 3,754 |
| Net charge-offs to loans | -0.0424% | 6,261 |
| Credit loss provision to net charge-offs | -142.8571% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6440% | 4,555 |
| Assets per employee ($millions) | 4.4314% | 2,990 |
| Cash dividends to net income (ytd only)* | 70.8919% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,747 |
| Loan loss allowance to noncurrent loans | 433.9623% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 5,977 |
| Noncurrent loans to loans | 0.2832% | 5,520 |
| Net loans and leases to total assets | 54.0738% | 4,600 |
| Net loans and leases to deposits | 59.4858% | 5,034 |
| Net loans and leases to core deposits | 60.8878% | 5,233 |
| Total domestic deposits to total assets | 90.9021% | 576 |
| Equity capital to assets | 8.7678% | 5,449 |
| Core capital (leverage) ratio | 8.7744% | 5,448 |
| Tier 1 risk-based capital ratio | 14.4842% | 4,078 |
| Total risk-based capital ratio | 15.6564% | 4,103 |
| Memoranda: | ||
| Average total assets | $231,219,750 | 2,721 |
| Average earning assets | $221,312,250 | 2,616 |
| Average equity | $20,827,750 | 3,092 |
| Average total loans | $132,043,250 | 2,836 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 5,501 |
| Cost of funding earning assets | 0.1876% | 6,537 |
| Net interest margin | 3.3905% | 4,223 |
| Noninterest income to average assets | 0.5470% | 3,519 |
| Noninterest expense to average assets | 2.5397% | 4,593 |
| Loan and lease loss provision to assets | 0.0525% | 3,933 |
| Net operating income to assets | 1.1964% | 1,603 |
| Return on assets (ROA) | 1.2025% | 1,695 |
| Pretax return on assets | 1.2025% | 2,666 |
| Return on Equity (ROE) | 13.2264% | 1,186 |
| Retained earnings to average equity (ytd only) | 3.1766% | 4,293 |
| Net charge-offs to loans | -0.0559% | 6,306 |
| Credit loss provision to net charge-offs | -162.1622% | 5,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0363% | 4,354 |
| Assets per employee ($millions) | 4.2354% | 3,279 |
| Cash dividends to net income (ytd only)* | 75.9825% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,997 |
| Loan loss allowance to noncurrent loans | 415.8031% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 5,614 |
| Noncurrent loans to loans | 0.2885% | 5,579 |
| Net loans and leases to total assets | 57.8023% | 4,021 |
| Net loans and leases to deposits | 63.7487% | 4,538 |
| Net loans and leases to core deposits | 65.4682% | 4,745 |
| Total domestic deposits to total assets | 90.6722% | 672 |
| Equity capital to assets | 8.9697% | 5,249 |
| Core capital (leverage) ratio | 8.8738% | 5,186 |
| Tier 1 risk-based capital ratio | 14.0170% | 4,417 |
| Total risk-based capital ratio | 15.1667% | 4,445 |
| Memoranda: | ||
| Average total assets | $228,527,330 | 2,764 |
| Average earning assets | $218,493,670 | 2,656 |
| Average equity | $20,776,670 | 3,123 |
| Average total loans | $132,388,670 | 2,833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 5,554 |
| Cost of funding earning assets | 0.2052% | 6,554 |
| Net interest margin | 3.3560% | 4,290 |
| Noninterest income to average assets | 0.5971% | 3,157 |
| Noninterest expense to average assets | 2.5863% | 4,446 |
| Loan and lease loss provision to assets | 0.1051% | 2,932 |
| Net operating income to assets | 1.1137% | 1,805 |
| Return on assets (ROA) | 1.1137% | 1,914 |
| Pretax return on assets | 1.1137% | 2,901 |
| Return on Equity (ROE) | 12.1679% | 1,375 |
| Retained earnings to average equity (ytd only) | 2.1810% | 4,911 |
| Net charge-offs to loans | -0.1154% | 6,506 |
| Credit loss provision to net charge-offs | -157.8947% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9705% | 4,312 |
| Assets per employee ($millions) | 4.4312% | 3,094 |
| Cash dividends to net income (ytd only)* | 82.0755% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 5,130 |
| Loan loss allowance to noncurrent loans | 382.1429% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 5,666 |
| Noncurrent loans to loans | 0.3168% | 5,610 |
| Net loans and leases to total assets | 56.8362% | 3,953 |
| Net loans and leases to deposits | 62.7392% | 4,450 |
| Net loans and leases to core deposits | 64.7815% | 4,670 |
| Total domestic deposits to total assets | 90.5912% | 720 |
| Equity capital to assets | 9.0747% | 5,396 |
| Core capital (leverage) ratio | 8.7957% | 5,195 |
| Tier 1 risk-based capital ratio | 13.9718% | 4,527 |
| Total risk-based capital ratio | 15.1315% | 4,549 |
| Memoranda: | ||
| Average total assets | $228,434,000 | 2,798 |
| Average earning assets | $218,355,000 | 2,688 |
| Average equity | $20,907,500 | 3,146 |
| Average total loans | $131,679,500 | 2,871 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 5,408 |
| Cost of funding earning assets | 0.2748% | 6,570 |
| Net interest margin | 3.6902% | 3,688 |
| Noninterest income to average assets | 0.6304% | 3,105 |
| Noninterest expense to average assets | 2.6070% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5433% | 841 |
| Return on assets (ROA) | 1.5433% | 924 |
| Pretax return on assets | 1.5433% | 1,551 |
| Return on Equity (ROE) | 16.5843% | 587 |
| Retained earnings to average equity (ytd only) | 5.6527% | 2,280 |
| Net charge-offs to loans | 0.1638% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.2293% | 1,591 |
| Efficiency ratio | 62.8144% | 5,113 |
| Assets per employee ($millions) | 4.2726% | 3,415 |
| Cash dividends to net income (ytd only)* | 65.9152% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,332 |
| Loan loss allowance to noncurrent loans | 348.2679% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 5,733 |
| Noncurrent loans to loans | 0.3311% | 5,658 |
| Net loans and leases to total assets | 57.0922% | 4,109 |
| Net loans and leases to deposits | 63.1413% | 4,645 |
| Net loans and leases to core deposits | 65.2579% | 4,811 |
| Total domestic deposits to total assets | 90.4198% | 739 |
| Equity capital to assets | 9.2318% | 5,233 |
| Core capital (leverage) ratio | 8.7303% | 5,279 |
| Tier 1 risk-based capital ratio | 14.3316% | 4,142 |
| Total risk-based capital ratio | 15.4593% | 4,195 |
| Memoranda: | ||
| Average total assets | $215,574,600 | 2,879 |
| Average earning assets | $205,623,200 | 2,797 |
| Average equity | $20,061,200 | 3,198 |
| Average total loans | $125,173,600 | 2,980 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 5,497 |
| Cost of funding earning assets | 0.2898% | 6,660 |
| Net interest margin | 3.7175% | 3,718 |
| Noninterest income to average assets | 0.6201% | 3,155 |
| Noninterest expense to average assets | 2.6195% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5440% | 952 |
| Return on assets (ROA) | 1.5440% | 1,059 |
| Pretax return on assets | 1.5440% | 1,740 |
| Return on Equity (ROE) | 16.5569% | 660 |
| Retained earnings to average equity (ytd only) | 5.3264% | 3,136 |
| Net charge-offs to loans | 0.0377% | 5,123 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 70.4217% | 580 |
| Efficiency ratio | 62.9156% | 4,991 |
| Assets per employee ($millions) | 4.3947% | 3,080 |
| Cash dividends to net income (ytd only)* | 67.8298% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,817 |
| Loan loss allowance to noncurrent loans | 338.9899% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 6,155 |
| Noncurrent loans to loans | 0.3835% | 5,703 |
| Net loans and leases to total assets | 56.8382% | 4,325 |
| Net loans and leases to deposits | 62.8011% | 4,876 |
| Net loans and leases to core deposits | 64.7498% | 5,079 |
| Total domestic deposits to total assets | 90.5051% | 599 |
| Equity capital to assets | 9.1170% | 5,687 |
| Core capital (leverage) ratio | 8.9898% | 5,081 |
| Tier 1 risk-based capital ratio | 14.3013% | 4,331 |
| Total risk-based capital ratio | 15.5364% | 4,298 |
| Memoranda: | ||
| Average total assets | $212,856,750 | 2,930 |
| Average earning assets | $202,891,000 | 2,842 |
| Average equity | $19,850,250 | 3,259 |
| Average total loans | $123,769,250 | 3,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 5,438 |
| Cost of funding earning assets | 0.3132% | 6,675 |
| Net interest margin | 3.7514% | 3,585 |
| Noninterest income to average assets | 0.6035% | 3,237 |
| Noninterest expense to average assets | 2.6351% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5428% | 926 |
| Return on assets (ROA) | 1.5428% | 1,037 |
| Pretax return on assets | 1.5428% | 1,731 |
| Return on Equity (ROE) | 16.4126% | 708 |
| Retained earnings to average equity (ytd only) | 6.8479% | 2,188 |
| Net charge-offs to loans | 0.0590% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 44.8056% | 802 |
| Efficiency ratio | 63.0723% | 5,067 |
| Assets per employee ($millions) | 4.2689% | 3,319 |
| Cash dividends to net income (ytd only)* | 58.2765% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 4,788 |
| Loan loss allowance to noncurrent loans | 334.2629% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 6,183 |
| Noncurrent loans to loans | 0.3957% | 5,747 |
| Net loans and leases to total assets | 58.6522% | 4,054 |
| Net loans and leases to deposits | 65.0275% | 4,641 |
| Net loans and leases to core deposits | 67.1438% | 4,882 |
| Total domestic deposits to total assets | 90.1960% | 817 |
| Equity capital to assets | 9.4184% | 5,170 |
| Core capital (leverage) ratio | 9.2730% | 4,491 |
| Tier 1 risk-based capital ratio | 14.4526% | 4,130 |
| Total risk-based capital ratio | 15.7032% | 4,098 |
| Memoranda: | ||
| Average total assets | $209,098,670 | 2,976 |
| Average earning assets | $199,234,000 | 2,877 |
| Average equity | $19,655,670 | 3,263 |
| Average total loans | $122,002,330 | 3,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 5,573 |
| Cost of funding earning assets | 0.3449% | 6,661 |
| Net interest margin | 3.7172% | 3,753 |
| Noninterest income to average assets | 0.5664% | 3,453 |
| Noninterest expense to average assets | 2.6579% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4498% | 1,117 |
| Return on assets (ROA) | 1.4498% | 1,249 |
| Pretax return on assets | 1.4498% | 2,018 |
| Return on Equity (ROE) | 15.4385% | 900 |
| Retained earnings to average equity (ytd only) | 5.4755% | 3,275 |
| Net charge-offs to loans | 0.1472% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.0455% | 1,323 |
| Efficiency ratio | 64.7059% | 4,795 |
| Assets per employee ($millions) | 4.2808% | 3,435 |
| Cash dividends to net income (ytd only)* | 64.5333% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 4,670 |
| Loan loss allowance to noncurrent loans | 313.1332% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,266 |
| Noncurrent loans to loans | 0.4423% | 5,788 |
| Net loans and leases to total assets | 55.5153% | 4,468 |
| Net loans and leases to deposits | 61.3908% | 4,998 |
| Net loans and leases to core deposits | 63.6872% | 5,154 |
| Total domestic deposits to total assets | 90.4294% | 848 |
| Equity capital to assets | 9.1212% | 5,329 |
| Core capital (leverage) ratio | 9.2823% | 4,392 |
| Tier 1 risk-based capital ratio | 15.0853% | 3,701 |
| Total risk-based capital ratio | 16.3364% | 3,659 |
| Memoranda: | ||
| Average total assets | $206,926,500 | 3,029 |
| Average earning assets | $197,139,000 | 2,932 |
| Average equity | $19,432,000 | 3,296 |
| Average total loans | $119,570,000 | 3,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 4,271 |
| Cost of funding earning assets | 0.4246% | 6,819 |
| Net interest margin | 4.2703% | 1,806 |
| Noninterest income to average assets | 0.5569% | 3,459 |
| Noninterest expense to average assets | 2.9363% | 3,816 |
| Loan and lease loss provision to assets | 0.0522% | 5,936 |
| Net operating income to assets | 1.6467% | 607 |
| Return on assets (ROA) | 1.6904% | 594 |
| Pretax return on assets | 1.6904% | 1,007 |
| Return on Equity (ROE) | 16.9137% | 481 |
| Retained earnings to average equity (ytd only) | 5.5775% | 2,252 |
| Net charge-offs to loans | -0.0270% | 6,992 |
| Credit loss provision to net charge-offs | -316.1290% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3479% | 5,240 |
| Assets per employee ($millions) | 3.8426% | 4,217 |
| Cash dividends to net income (ytd only)* | 67.0240% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 4,272 |
| Loan loss allowance to noncurrent loans | 357.6200% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 6,369 |
| Noncurrent loans to loans | 0.4037% | 5,906 |
| Net loans and leases to total assets | 58.5212% | 4,280 |
| Net loans and leases to deposits | 65.0890% | 4,862 |
| Net loans and leases to core deposits | 68.0492% | 5,024 |
| Total domestic deposits to total assets | 89.9096% | 1,039 |
| Equity capital to assets | 9.6796% | 4,632 |
| Core capital (leverage) ratio | 9.3254% | 4,288 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,655 |
| Total risk-based capital ratio | 16.2225% | 3,614 |
| Memoranda: | ||
| Average total assets | $187,651,800 | 3,219 |
| Average earning assets | $179,213,400 | 3,099 |
| Average equity | $18,754,000 | 3,316 |
| Average total loans | $114,898,600 | 3,276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 4,022 |
| Cost of funding earning assets | 0.4435% | 6,900 |
| Net interest margin | 4.3556% | 1,549 |
| Noninterest income to average assets | 0.5539% | 3,484 |
| Noninterest expense to average assets | 2.9712% | 3,671 |
| Loan and lease loss provision to assets | 0.0708% | 5,567 |
| Net operating income to assets | 1.6756% | 671 |
| Return on assets (ROA) | 1.7001% | 688 |
| Pretax return on assets | 1.7001% | 1,146 |
| Return on Equity (ROE) | 16.8676% | 579 |
| Retained earnings to average equity (ytd only) | 6.0477% | 2,533 |
| Net charge-offs to loans | -0.0105% | 6,788 |
| Credit loss provision to net charge-offs | -1,088.8889% | 6,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9822% | 5,240 |
| Assets per employee ($millions) | 3.9741% | 3,907 |
| Cash dividends to net income (ytd only)* | 64.1460% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 4,182 |
| Loan loss allowance to noncurrent loans | 365.0108% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 6,475 |
| Noncurrent loans to loans | 0.4066% | 6,039 |
| Net loans and leases to total assets | 56.4540% | 4,766 |
| Net loans and leases to deposits | 62.9754% | 5,294 |
| Net loans and leases to core deposits | 65.5935% | 5,458 |
| Total domestic deposits to total assets | 89.6446% | 1,072 |
| Equity capital to assets | 9.6569% | 4,840 |
| Core capital (leverage) ratio | 9.4600% | 4,215 |
| Tier 1 risk-based capital ratio | 15.5978% | 3,332 |
| Total risk-based capital ratio | 16.7544% | 3,354 |
| Memoranda: | ||
| Average total assets | $184,611,500 | 3,286 |
| Average earning assets | $176,473,250 | 3,154 |
| Average equity | $18,607,250 | 3,337 |
| Average total loans | $113,961,750 | 3,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 3,241 |
| Cost of funding earning assets | 0.4670% | 6,962 |
| Net interest margin | 4.5158% | 1,097 |
| Noninterest income to average assets | 0.5203% | 3,704 |
| Noninterest expense to average assets | 3.0326% | 3,515 |
| Loan and lease loss provision to assets | 0.1645% | 4,286 |
| Net operating income to assets | 1.6341% | 688 |
| Return on assets (ROA) | 1.6719% | 678 |
| Pretax return on assets | 1.6719% | 1,104 |
| Return on Equity (ROE) | 16.3360% | 631 |
| Retained earnings to average equity (ytd only) | 5.9957% | 2,436 |
| Net charge-offs to loans | -0.0175% | 6,794 |
| Credit loss provision to net charge-offs | -1,480.0000% | 6,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7704% | 5,441 |
| Assets per employee ($millions) | 3.8251% | 4,134 |
| Cash dividends to net income (ytd only)* | 63.2979% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,870 |
| Loan loss allowance to noncurrent loans | 353.8618% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,473 |
| Noncurrent loans to loans | 0.4403% | 6,026 |
| Net loans and leases to total assets | 58.6837% | 4,516 |
| Net loans and leases to deposits | 65.7006% | 5,044 |
| Net loans and leases to core deposits | 67.4909% | 5,341 |
| Total domestic deposits to total assets | 89.3199% | 1,348 |
| Equity capital to assets | 10.0218% | 4,118 |
| Core capital (leverage) ratio | 9.9074% | 3,380 |
| Tier 1 risk-based capital ratio | 15.4038% | 3,291 |
| Total risk-based capital ratio | 16.6645% | 3,230 |
| Memoranda: | ||
| Average total assets | $179,913,000 | 3,373 |
| Average earning assets | $171,752,670 | 3,247 |
| Average equity | $18,413,330 | 3,348 |
| Average total loans | $113,993,000 | 3,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2431% | 2,081 |
| Cost of funding earning assets | 0.4903% | 7,003 |
| Net interest margin | 4.7528% | 632 |
| Noninterest income to average assets | 0.4678% | 4,134 |
| Noninterest expense to average assets | 3.0882% | 3,302 |
| Loan and lease loss provision to assets | 0.1658% | 3,970 |
| Net operating income to assets | 1.7485% | 538 |
| Return on assets (ROA) | 1.7485% | 563 |
| Pretax return on assets | 1.7485% | 898 |
| Return on Equity (ROE) | 16.8971% | 583 |
| Retained earnings to average equity (ytd only) | 6.6930% | 2,282 |
| Net charge-offs to loans | -0.0313% | 6,723 |
| Credit loss provision to net charge-offs | -811.1111% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7340% | 5,720 |
| Assets per employee ($millions) | 3.7062% | 4,527 |
| Cash dividends to net income (ytd only)* | 60.3896% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,501 |
| Loan loss allowance to noncurrent loans | 2,345.0704% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 7,070 |
| Noncurrent loans to loans | 0.0612% | 6,896 |
| Net loans and leases to total assets | 62.9423% | 3,676 |
| Net loans and leases to deposits | 70.5773% | 4,259 |
| Net loans and leases to core deposits | 72.7102% | 4,693 |
| Total domestic deposits to total assets | 89.1821% | 1,653 |
| Equity capital to assets | 10.1307% | 3,613 |
| Core capital (leverage) ratio | 10.2927% | 2,811 |
| Tier 1 risk-based capital ratio | 14.4018% | 3,806 |
| Total risk-based capital ratio | 15.6254% | 3,784 |
| Memoranda: | ||
| Average total assets | $176,153,500 | 3,449 |
| Average earning assets | $168,068,000 | 3,328 |
| Average equity | $18,228,000 | 3,371 |
| Average total loans | $115,123,000 | 3,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 2,070 |
| Cost of funding earning assets | 0.6374% | 7,040 |
| Net interest margin | 4.9160% | 524 |
| Noninterest income to average assets | 0.5572% | 3,775 |
| Noninterest expense to average assets | 3.2566% | 2,887 |
| Loan and lease loss provision to assets | 0.1906% | 5,325 |
| Net operating income to assets | 1.7888% | 425 |
| Return on assets (ROA) | 1.7888% | 463 |
| Pretax return on assets | 1.7888% | 778 |
| Return on Equity (ROE) | 16.1608% | 565 |
| Retained earnings to average equity (ytd only) | 7.5341% | 1,135 |
| Net charge-offs to loans | 0.0398% | 6,410 |
| Credit loss provision to net charge-offs | 668.8889% | 313 |
| Earnings coverage of net charge-offs (x) | 69.4667% | 351 |
| Efficiency ratio | 62.1962% | 5,697 |
| Assets per employee ($millions) | 3.6319% | 4,628 |
| Cash dividends to net income (ytd only)* | 53.3805% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,589 |
| Loan loss allowance to noncurrent loans | 202.9487% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 6,136 |
| Noncurrent loans to loans | 0.6826% | 5,681 |
| Net loans and leases to total assets | 66.0166% | 3,465 |
| Net loans and leases to deposits | 74.4371% | 4,128 |
| Net loans and leases to core deposits | 77.1291% | 4,577 |
| Total domestic deposits to total assets | 88.6878% | 1,832 |
| Equity capital to assets | 10.5787% | 3,086 |
| Core capital (leverage) ratio | 10.3842% | 2,692 |
| Tier 1 risk-based capital ratio | 14.3087% | 3,673 |
| Total risk-based capital ratio | 15.5585% | 3,626 |
| Memoranda: | ||
| Average total assets | $157,923,800 | 3,737 |
| Average earning assets | $150,303,600 | 3,629 |
| Average equity | $17,480,600 | 3,506 |
| Average total loans | $112,972,600 | 3,471 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6746% | 1,795 |
| Cost of funding earning assets | 0.6631% | 7,148 |
| Net interest margin | 5.0115% | 432 |
| Noninterest income to average assets | 0.5489% | 3,795 |
| Noninterest expense to average assets | 3.3218% | 2,507 |
| Loan and lease loss provision to assets | 0.1930% | 5,109 |
| Net operating income to assets | 1.8009% | 501 |
| Return on assets (ROA) | 1.8009% | 547 |
| Pretax return on assets | 1.8009% | 923 |
| Return on Equity (ROE) | 16.0738% | 695 |
| Retained earnings to average equity (ytd only) | 7.7293% | 1,504 |
| Net charge-offs to loans | 0.0544% | 5,978 |
| Credit loss provision to net charge-offs | 486.9565% | 602 |
| Earnings coverage of net charge-offs (x) | 50.3059% | 564 |
| Efficiency ratio | 62.4899% | 5,522 |
| Assets per employee ($millions) | 3.5326% | 4,896 |
| Cash dividends to net income (ytd only)* | 51.9138% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,692 |
| Loan loss allowance to noncurrent loans | 157.8616% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 6,001 |
| Noncurrent loans to loans | 0.8586% | 5,506 |
| Net loans and leases to total assets | 66.0164% | 3,687 |
| Net loans and leases to deposits | 74.5524% | 4,421 |
| Net loans and leases to core deposits | 77.6672% | 4,840 |
| Total domestic deposits to total assets | 88.5503% | 1,647 |
| Equity capital to assets | 10.7450% | 3,234 |
| Core capital (leverage) ratio | 10.5984% | 2,597 |
| Tier 1 risk-based capital ratio | 14.0348% | 3,808 |
| Total risk-based capital ratio | 15.2623% | 3,795 |
| Memoranda: | ||
| Average total assets | $154,729,500 | 3,847 |
| Average earning assets | $147,178,750 | 3,730 |
| Average equity | $17,336,250 | 3,584 |
| Average total loans | $112,647,250 | 3,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 1,449 |
| Cost of funding earning assets | 0.6893% | 7,212 |
| Net interest margin | 5.0993% | 342 |
| Noninterest income to average assets | 0.5207% | 3,951 |
| Noninterest expense to average assets | 3.3333% | 2,451 |
| Loan and lease loss provision to assets | 0.1974% | 4,892 |
| Net operating income to assets | 1.8415% | 451 |
| Return on assets (ROA) | 1.8415% | 489 |
| Pretax return on assets | 1.8415% | 821 |
| Return on Equity (ROE) | 16.1926% | 675 |
| Retained earnings to average equity (ytd only) | 9.0516% | 1,089 |
| Net charge-offs to loans | -0.1414% | 7,601 |
| Credit loss provision to net charge-offs | -186.2500% | 6,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0469% | 5,681 |
| Assets per employee ($millions) | 3.6021% | 4,689 |
| Cash dividends to net income (ytd only)* | 44.1007% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,577 |
| Loan loss allowance to noncurrent loans | 208.4337% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 6,297 |
| Noncurrent loans to loans | 0.6575% | 5,936 |
| Net loans and leases to total assets | 69.1335% | 3,096 |
| Net loans and leases to deposits | 78.1590% | 3,935 |
| Net loans and leases to core deposits | 82.6440% | 4,324 |
| Total domestic deposits to total assets | 88.4525% | 1,757 |
| Equity capital to assets | 10.8689% | 2,998 |
| Core capital (leverage) ratio | 11.0243% | 2,226 |
| Tier 1 risk-based capital ratio | 13.9535% | 3,765 |
| Total risk-based capital ratio | 15.2037% | 3,726 |
| Memoranda: | ||
| Average total assets | $150,962,670 | 3,935 |
| Average earning assets | $143,627,330 | 3,825 |
| Average equity | $17,168,330 | 3,608 |
| Average total loans | $113,158,670 | 3,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8438% | 1,336 |
| Cost of funding earning assets | 0.6731% | 7,391 |
| Net interest margin | 5.1707% | 310 |
| Noninterest income to average assets | 0.4429% | 4,540 |
| Noninterest expense to average assets | 3.4691% | 2,059 |
| Loan and lease loss provision to assets | 0.2036% | 4,465 |
| Net operating income to assets | 1.6947% | 624 |
| Return on assets (ROA) | 1.6947% | 675 |
| Pretax return on assets | 1.6947% | 1,068 |
| Return on Equity (ROE) | 14.5424% | 952 |
| Retained earnings to average equity (ytd only) | 5.8075% | 2,708 |
| Net charge-offs to loans | -0.2515% | 7,711 |
| Credit loss provision to net charge-offs | -104.2254% | 6,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6335% | 5,365 |
| Assets per employee ($millions) | 3.3656% | 5,386 |
| Cash dividends to net income (ytd only)* | 60.0649% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 5,023 |
| Loan loss allowance to noncurrent loans | 629.4872% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 7,091 |
| Noncurrent loans to loans | 0.2041% | 6,933 |
| Net loans and leases to total assets | 74.7390% | 1,800 |
| Net loans and leases to deposits | 84.9989% | 2,766 |
| Net loans and leases to core deposits | 89.9114% | 3,372 |
| Total domestic deposits to total assets | 87.9294% | 2,104 |
| Equity capital to assets | 11.2584% | 2,533 |
| Core capital (leverage) ratio | 11.3662% | 1,991 |
| Tier 1 risk-based capital ratio | 13.5254% | 3,965 |
| Total risk-based capital ratio | 14.7361% | 3,960 |
| Memoranda: | ||
| Average total assets | $145,396,500 | 4,107 |
| Average earning assets | $138,471,500 | 3,993 |
| Average equity | $16,943,500 | 3,668 |
| Average total loans | $112,928,500 | 3,625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3721% | 883 |
| Cost of funding earning assets | 0.9273% | 7,346 |
| Net interest margin | 5.4448% | 198 |
| Noninterest income to average assets | 0.5697% | 3,865 |
| Noninterest expense to average assets | 3.7232% | 1,856 |
| Loan and lease loss provision to assets | 0.2199% | 5,606 |
| Net operating income to assets | 1.7437% | 403 |
| Return on assets (ROA) | 1.7437% | 430 |
| Pretax return on assets | 1.7437% | 706 |
| Return on Equity (ROE) | 15.0827% | 659 |
| Retained earnings to average equity (ytd only) | 9.4859% | 428 |
| Net charge-offs to loans | -0.0191% | 7,786 |
| Credit loss provision to net charge-offs | -1,465.0000% | 7,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4699% | 5,492 |
| Assets per employee ($millions) | 3.0965% | 5,997 |
| Cash dividends to net income (ytd only)* | 37.1072% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,404 |
| Loan loss allowance to noncurrent loans | 456.3574% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 6,945 |
| Noncurrent loans to loans | 0.2617% | 6,774 |
| Net loans and leases to total assets | 78.8441% | 1,217 |
| Net loans and leases to deposits | 90.5221% | 2,138 |
| Net loans and leases to core deposits | 98.7124% | 4,154 |
| Total domestic deposits to total assets | 87.0994% | 2,439 |
| Equity capital to assets | 12.0825% | 1,986 |
| Core capital (leverage) ratio | 11.6346% | 1,849 |
| Tier 1 risk-based capital ratio | 13.8522% | 3,596 |
| Total risk-based capital ratio | 14.9871% | 3,603 |
| Memoranda: | ||
| Average total assets | $133,219,400 | 4,273 |
| Average earning assets | $125,201,200 | 4,187 |
| Average equity | $15,401,800 | 3,992 |
| Average total loans | $104,493,600 | 3,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3690% | 983 |
| Cost of funding earning assets | 0.9954% | 7,398 |
| Net interest margin | 5.3735% | 221 |
| Noninterest income to average assets | 0.5650% | 3,971 |
| Noninterest expense to average assets | 3.7481% | 1,707 |
| Loan and lease loss provision to assets | 0.2055% | 5,344 |
| Net operating income to assets | 1.6341% | 626 |
| Return on assets (ROA) | 1.6341% | 672 |
| Pretax return on assets | 1.6341% | 1,103 |
| Return on Equity (ROE) | 14.3051% | 877 |
| Retained earnings to average equity (ytd only) | 9.4481% | 740 |
| Net charge-offs to loans | -0.0233% | 7,778 |
| Credit loss provision to net charge-offs | -1,127.7778% | 7,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0774% | 5,166 |
| Assets per employee ($millions) | 2.9677% | 6,251 |
| Cash dividends to net income (ytd only)* | 33.9529% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,652 |
| Loan loss allowance to noncurrent loans | 155.6675% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 6,034 |
| Noncurrent loans to loans | 0.7146% | 5,875 |
| Net loans and leases to total assets | 78.7718% | 1,430 |
| Net loans and leases to deposits | 90.1449% | 2,551 |
| Net loans and leases to core deposits | 99.1831% | 4,461 |
| Total domestic deposits to total assets | 87.3835% | 1,957 |
| Equity capital to assets | 11.7820% | 2,374 |
| Core capital (leverage) ratio | 11.4266% | 2,111 |
| Tier 1 risk-based capital ratio | 13.5662% | 3,803 |
| Total risk-based capital ratio | 14.6266% | 3,883 |
| Memoranda: | ||
| Average total assets | $131,688,750 | 4,333 |
| Average earning assets | $123,094,000 | 4,269 |
| Average equity | $15,043,250 | 4,087 |
| Average total loans | $102,819,250 | 3,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4294% | 945 |
| Cost of funding earning assets | 1.0665% | 7,440 |
| Net interest margin | 5.3629% | 224 |
| Noninterest income to average assets | 0.5856% | 3,801 |
| Noninterest expense to average assets | 3.8330% | 1,604 |
| Loan and lease loss provision to assets | 0.2200% | 4,839 |
| Net operating income to assets | 1.4951% | 846 |
| Return on assets (ROA) | 1.4951% | 905 |
| Pretax return on assets | 1.4951% | 1,458 |
| Return on Equity (ROE) | 13.2376% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.0277% | 728 |
| Net charge-offs to loans | -0.0280% | 7,764 |
| Credit loss provision to net charge-offs | -1,014.2857% | 7,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0868% | 4,964 |
| Assets per employee ($millions) | 3.1588% | 5,697 |
| Cash dividends to net income (ytd only)* | 24.2487% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 5,553 |
| Loan loss allowance to noncurrent loans | 105.0224% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 5,345 |
| Noncurrent loans to loans | 1.0540% | 5,106 |
| Net loans and leases to total assets | 77.0182% | 1,946 |
| Net loans and leases to deposits | 88.3899% | 3,109 |
| Net loans and leases to core deposits | 96.4202% | 4,852 |
| Total domestic deposits to total assets | 87.1346% | 2,177 |
| Equity capital to assets | 11.8200% | 2,314 |
| Core capital (leverage) ratio | 11.6451% | 2,005 |
| Tier 1 risk-based capital ratio | 13.7850% | 3,631 |
| Total risk-based capital ratio | 14.8280% | 3,698 |
| Memoranda: | ||
| Average total assets | $129,090,330 | 4,412 |
| Average earning assets | $119,451,000 | 4,386 |
| Average equity | $14,579,670 | 4,187 |
| Average total loans | $100,055,670 | 4,017 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4193% | 1,024 |
| Cost of funding earning assets | 1.1821% | 7,336 |
| Net interest margin | 5.2372% | 265 |
| Noninterest income to average assets | 0.5600% | 3,839 |
| Noninterest expense to average assets | 3.8625% | 1,363 |
| Loan and lease loss provision to assets | 0.1400% | 5,160 |
| Net operating income to assets | 1.3077% | 1,358 |
| Return on assets (ROA) | 1.3077% | 1,457 |
| Pretax return on assets | 1.3077% | 2,257 |
| Return on Equity (ROE) | 11.8769% | 1,701 |
| Retained earnings to average equity (ytd only) | 5.1149% | 3,056 |
| Net charge-offs to loans | -0.0247% | 7,496 |
| Credit loss provision to net charge-offs | -733.3333% | 6,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7382% | 4,053 |
| Assets per employee ($millions) | 3.0934% | 5,911 |
| Cash dividends to net income (ytd only)* | 56.9343% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,643 |
| Loan loss allowance to noncurrent loans | 67.1501% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 4,177 |
| Noncurrent loans to loans | 1.6026% | 3,874 |
| Net loans and leases to total assets | 77.1927% | 1,993 |
| Net loans and leases to deposits | 88.8588% | 3,133 |
| Net loans and leases to core deposits | 97.2272% | 4,825 |
| Total domestic deposits to total assets | 86.8712% | 2,284 |
| Equity capital to assets | 12.1290% | 2,179 |
| Core capital (leverage) ratio | 12.1058% | 1,853 |
| Tier 1 risk-based capital ratio | 14.3626% | 3,387 |
| Total risk-based capital ratio | 15.3885% | 3,434 |
| Memoranda: | ||
| Average total assets | $125,721,000 | 4,503 |
| Average earning assets | $114,031,000 | 4,531 |
| Average equity | $13,842,000 | 4,372 |
| Average total loans | $97,191,500 | 4,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1276% | 870 |
| Cost of funding earning assets | 1.4887% | 7,627 |
| Net interest margin | 5.6389% | 165 |
| Noninterest income to average assets | 0.7371% | 2,861 |
| Noninterest expense to average assets | 3.9080% | 1,545 |
| Loan and lease loss provision to assets | 0.1621% | 5,306 |
| Net operating income to assets | 1.7493% | 611 |
| Return on assets (ROA) | 1.7493% | 587 |
| Pretax return on assets | 1.7493% | 1,052 |
| Return on Equity (ROE) | 17.2393% | 608 |
| Retained earnings to average equity (ytd only) | 12.1176% | 220 |
| Net charge-offs to loans | 0.0563% | 5,971 |
| Credit loss provision to net charge-offs | 362.7451% | 1,221 |
| Earnings coverage of net charge-offs (x) | 42.7647% | 864 |
| Efficiency ratio | 67.1536% | 4,881 |
| Assets per employee ($millions) | 2.8980% | 6,316 |
| Cash dividends to net income (ytd only)* | 29.7094% | 4,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,526 |
| Loan loss allowance to noncurrent loans | 165.8497% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 5,734 |
| Noncurrent loans to loans | 0.6414% | 5,442 |
| Net loans and leases to total assets | 75.7547% | 2,691 |
| Net loans and leases to deposits | 84.9809% | 4,256 |
| Net loans and leases to core deposits | 92.5709% | 5,583 |
| Total domestic deposits to total assets | 89.1433% | 987 |
| Equity capital to assets | 9.8713% | 4,194 |
| Core capital (leverage) ratio | 9.9763% | 3,471 |
| Tier 1 risk-based capital ratio | 11.6798% | 5,073 |
| Total risk-based capital ratio | 12.6855% | 5,201 |
| Memoranda: | ||
| Average total assets | $114,100,000 | 4,665 |
| Average earning assets | $102,839,200 | 4,718 |
| Average equity | $11,578,200 | 4,944 |
| Average total loans | $90,644,600 | 4,207 |