Home > Community First Bank of Indiana > Performance and Condition Ratios
Community First Bank of Indiana, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1969% | 113 |
| Cost of funding earning assets | 2.4794% | 381 |
| Net interest margin | 5.7175% | 147 |
| Noninterest income to average assets | 1.4500% | 401 |
| Noninterest expense to average assets | 4.7204% | 253 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4590% | 1,100 |
| Return on assets (ROA) | 1.2679% | 1,469 |
| Pretax return on assets | 1.6010% | 1,225 |
| Return on Equity (ROE) | 12.1100% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.0704% | 1,516 |
| Net charge-offs to loans | 0.0206% | 1,928 |
| Credit loss provision to net charge-offs | 80.6723% | 2,017 |
| Earnings coverage of net charge-offs (x) | 111.3782% | 853 |
| Efficiency ratio | 71.2070% | 1,736 |
| Assets per employee ($millions) | 3.6206% | 4,263 |
| Cash dividends to net income (ytd only)* | 33.3371% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,056 |
| Loan loss allowance to noncurrent loans | 314.0167% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 1,292 |
| Noncurrent loans to loans | 0.4770% | 1,592 |
| Net loans and leases to total assets | 80.9900% | 535 |
| Net loans and leases to deposits | 97.4907% | 679 |
| Net loans and leases to core deposits | 112.8895% | 850 |
| Total domestic deposits to total assets | 83.0700% | 2,875 |
| Equity capital to assets | 11.0461% | 1,453 |
| Core capital (leverage) ratio | 10.0204% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9754% | 2,591 |
| Memoranda: | ||
| Average total assets | $694,389,200 | 1,319 |
| Average earning assets | $628,941,600 | 1,323 |
| Average equity | $72,722,600 | 1,211 |
| Average total loans | $576,381,200 | 1,110 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1936% | 106 |
| Cost of funding earning assets | 2.6236% | 229 |
| Net interest margin | 5.5700% | 168 |
| Noninterest income to average assets | 1.1300% | 539 |
| Noninterest expense to average assets | 4.7311% | 251 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0483% | 2,224 |
| Return on assets (ROA) | 1.0578% | 2,186 |
| Pretax return on assets | 1.3560% | 1,877 |
| Return on Equity (ROE) | 10.2500% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.0662% | 2,604 |
| Net charge-offs to loans | 0.0049% | 2,292 |
| Credit loss provision to net charge-offs | -23.8095% | 4,488 |
| Earnings coverage of net charge-offs (x) | 353.0476% | 402 |
| Efficiency ratio | 76.6312% | 1,120 |
| Assets per employee ($millions) | 3.5799% | 4,301 |
| Cash dividends to net income (ytd only)* | 40.8205% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,095 |
| Loan loss allowance to noncurrent loans | 362.5453% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,392 |
| Noncurrent loans to loans | 0.4155% | 1,790 |
| Net loans and leases to total assets | 81.3900% | 490 |
| Net loans and leases to deposits | 95.0700% | 815 |
| Net loans and leases to core deposits | 110.3442% | 861 |
| Total domestic deposits to total assets | 85.6100% | 2,312 |
| Equity capital to assets | 9.9118% | 1,876 |
| Core capital (leverage) ratio | 8.7946% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7463% | 2,862 |
| Memoranda: | ||
| Average total assets | $685,147,750 | 1,330 |
| Average earning assets | $620,709,750 | 1,337 |
| Average equity | $70,706,750 | 1,235 |
| Average total loans | $570,151,250 | 1,117 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5403% | 126 |
| Cost of funding earning assets | 2.1884% | 344 |
| Net interest margin | 5.3519% | 200 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 4.7353% | 241 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1742% | 1,898 |
| Return on assets (ROA) | 1.1361% | 2,009 |
| Pretax return on assets | 1.4228% | 1,754 |
| Return on Equity (ROE) | 10.8500% | 2,465 |
| Retained earnings to average equity (ytd only) | 6.6180% | 2,414 |
| Net charge-offs to loans | -0.0089% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.6066% | 1,210 |
| Assets per employee ($millions) | 3.5954% | 4,320 |
| Cash dividends to net income (ytd only)* | 39.0314% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,010 |
| Loan loss allowance to noncurrent loans | 320.7743% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 1,136 |
| Noncurrent loans to loans | 0.4866% | 1,498 |
| Net loans and leases to total assets | 81.3900% | 484 |
| Net loans and leases to deposits | 96.4048% | 709 |
| Net loans and leases to core deposits | 112.8725% | 717 |
| Total domestic deposits to total assets | 84.4200% | 2,715 |
| Equity capital to assets | 9.8486% | 1,945 |
| Core capital (leverage) ratio | 8.8292% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6248% | 2,893 |
| Memoranda: | ||
| Average total assets | $672,485,333 | 1,342 |
| Average earning assets | $607,933,000 | 1,363 |
| Average equity | $70,383,667 | 1,234 |
| Average total loans | $561,023,333 | 1,122 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2531% | 97 |
| Cost of funding earning assets | 1.9391% | 336 |
| Net interest margin | 5.3139% | 193 |
| Noninterest income to average assets | 1.6600% | 296 |
| Noninterest expense to average assets | 4.8701% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2335% | 1,840 |
| Return on assets (ROA) | 1.1688% | 1,993 |
| Pretax return on assets | 1.5237% | 1,617 |
| Return on Equity (ROE) | 10.8100% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.5659% | 1,803 |
| Net charge-offs to loans | -0.0051% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.4055% | 1,211 |
| Assets per employee ($millions) | 3.3590% | 4,443 |
| Cash dividends to net income (ytd only)* | 11.5445% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 926 |
| Loan loss allowance to noncurrent loans | 327.3089% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 1,031 |
| Noncurrent loans to loans | 0.5011% | 1,466 |
| Net loans and leases to total assets | 82.3200% | 339 |
| Net loans and leases to deposits | 98.8305% | 492 |
| Net loans and leases to core deposits | 107.4154% | 783 |
| Total domestic deposits to total assets | 83.2900% | 3,242 |
| Equity capital to assets | 10.6722% | 1,472 |
| Core capital (leverage) ratio | 9.0318% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5019% | 2,571 |
| Memoranda: | ||
| Average total assets | $649,189,000 | 1,399 |
| Average earning assets | $586,456,500 | 1,427 |
| Average equity | $70,166,000 | 1,245 |
| Average total loans | $544,281,500 | 1,155 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4146% | 72 |
| Cost of funding earning assets | 0.9276% | 224 |
| Net interest margin | 5.4870% | 88 |
| Noninterest income to average assets | 1.7400% | 297 |
| Noninterest expense to average assets | 4.9254% | 223 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1848% | 1,835 |
| Return on assets (ROA) | 1.0557% | 2,300 |
| Pretax return on assets | 1.3693% | 1,867 |
| Return on Equity (ROE) | 10.2400% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.0659% | 2,214 |
| Net charge-offs to loans | 0.0059% | 2,205 |
| Credit loss provision to net charge-offs | 2,817.8571% | 200 |
| Earnings coverage of net charge-offs (x) | 348.6786% | 436 |
| Efficiency ratio | 75.1337% | 1,107 |
| Assets per employee ($millions) | 3.2231% | 4,496 |
| Cash dividends to net income (ytd only)* | 30.9663% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 1,892 |
| Loan loss allowance to noncurrent loans | 243.2180% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 974 |
| Noncurrent loans to loans | 0.5348% | 1,377 |
| Net loans and leases to total assets | 82.7400% | 350 |
| Net loans and leases to deposits | 103.2136% | 328 |
| Net loans and leases to core deposits | 109.1590% | 634 |
| Total domestic deposits to total assets | 80.1700% | 3,855 |
| Equity capital to assets | 10.9800% | 1,262 |
| Core capital (leverage) ratio | 9.5463% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4532% | 2,875 |
| Memoranda: | ||
| Average total assets | $598,912,000 | 1,486 |
| Average earning assets | $525,678,800 | 1,564 |
| Average equity | $61,775,800 | 1,371 |
| Average total loans | $472,666,000 | 1,226 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4469% | 56 |
| Cost of funding earning assets | 0.7328% | 220 |
| Net interest margin | 5.7141% | 61 |
| Noninterest income to average assets | 2.1100% | 254 |
| Noninterest expense to average assets | 5.0124% | 216 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.5791% | 688 |
| Return on assets (ROA) | 1.1665% | 1,806 |
| Pretax return on assets | 1.4813% | 1,467 |
| Return on Equity (ROE) | 11.5100% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.7277% | 2,106 |
| Net charge-offs to loans | 0.0041% | 2,058 |
| Credit loss provision to net charge-offs | 5,635.7143% | 100 |
| Earnings coverage of net charge-offs (x) | 652.4286% | 249 |
| Efficiency ratio | 70.7431% | 1,678 |
| Assets per employee ($millions) | 2.9911% | 4,569 |
| Cash dividends to net income (ytd only)* | 32.8794% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,570 |
| Loan loss allowance to noncurrent loans | 244.6336% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 902 |
| Noncurrent loans to loans | 0.5774% | 1,389 |
| Net loans and leases to total assets | 81.7600% | 395 |
| Net loans and leases to deposits | 102.3670% | 290 |
| Net loans and leases to core deposits | 105.6751% | 595 |
| Total domestic deposits to total assets | 79.8700% | 4,112 |
| Equity capital to assets | 10.4784% | 1,381 |
| Core capital (leverage) ratio | 8.3446% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8026% | 3,067 |
| Memoranda: | ||
| Average total assets | $587,485,500 | 1,525 |
| Average earning assets | $512,027,250 | 1,616 |
| Average equity | $59,525,000 | 1,432 |
| Average total loans | $455,731,250 | 1,251 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 79 |
| Cost of funding earning assets | 0.6405% | 219 |
| Net interest margin | 5.1983% | 90 |
| Noninterest income to average assets | 2.2021% | 205 |
| Noninterest expense to average assets | 5.0634% | 168 |
| Loan and lease loss provision to assets | 0.2471% | 296 |
| Net operating income to assets | 1.1839% | 1,484 |
| Return on assets (ROA) | 0.8707% | 2,671 |
| Pretax return on assets | 1.1119% | 2,363 |
| Return on Equity (ROE) | 8.6213% | 2,817 |
| Retained earnings to average equity (ytd only) | 5.7943% | 2,403 |
| Net charge-offs to loans | 0.0036% | 1,910 |
| Credit loss provision to net charge-offs | 8,925.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 221 |
| Efficiency ratio | 75.1734% | 1,370 |
| Assets per employee ($millions) | 3.3520% | 4,575 |
| Cash dividends to net income (ytd only)* | 32.7901% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,349 |
| Loan loss allowance to noncurrent loans | 339.2023% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 1,273 |
| Noncurrent loans to loans | 0.4486% | 1,775 |
| Net loans and leases to total assets | 74.3842% | 875 |
| Net loans and leases to deposits | 90.5446% | 687 |
| Net loans and leases to core deposits | 94.2684% | 900 |
| Total domestic deposits to total assets | 82.1520% | 3,986 |
| Equity capital to assets | 10.1045% | 1,654 |
| Core capital (leverage) ratio | 9.1319% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $577,907,667 | 1,550 |
| Average earning assets | $504,013,000 | 1,648 |
| Average equity | $58,367,333 | 1,470 |
| Average total loans | $441,443,333 | 1,279 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 105 |
| Cost of funding earning assets | 0.6069% | 251 |
| Net interest margin | 4.7534% | 126 |
| Noninterest income to average assets | 2.0919% | 227 |
| Noninterest expense to average assets | 5.0193% | 171 |
| Loan and lease loss provision to assets | 0.3003% | 206 |
| Net operating income to assets | 0.7389% | 2,895 |
| Return on assets (ROA) | 0.6161% | 3,325 |
| Pretax return on assets | 0.7751% | 3,185 |
| Return on Equity (ROE) | 6.1021% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.8859% | 2,634 |
| Net charge-offs to loans | -0.0009% | 3,012 |
| Credit loss provision to net charge-offs | -42,300.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7284% | 1,092 |
| Assets per employee ($millions) | 2.2222% | 4,711 |
| Cash dividends to net income (ytd only)* | 19.9309% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,437 |
| Loan loss allowance to noncurrent loans | 512.4043% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,754 |
| Noncurrent loans to loans | 0.2996% | 2,395 |
| Net loans and leases to total assets | 74.5655% | 611 |
| Net loans and leases to deposits | 90.4039% | 490 |
| Net loans and leases to core deposits | 94.7433% | 700 |
| Total domestic deposits to total assets | 82.4804% | 4,022 |
| Equity capital to assets | 10.4835% | 1,596 |
| Core capital (leverage) ratio | 9.2443% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,506,000 | 1,595 |
| Average earning assets | $489,080,000 | 1,688 |
| Average equity | $56,898,500 | 1,547 |
| Average total loans | $433,029,500 | 1,287 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8989% | 89 |
| Cost of funding earning assets | 0.6898% | 342 |
| Net interest margin | 5.2091% | 107 |
| Noninterest income to average assets | 2.6362% | 216 |
| Noninterest expense to average assets | 5.3635% | 153 |
| Loan and lease loss provision to assets | 0.1527% | 784 |
| Net operating income to assets | 1.2240% | 1,843 |
| Return on assets (ROA) | 1.0825% | 2,429 |
| Pretax return on assets | 1.4475% | 1,885 |
| Return on Equity (ROE) | 10.8706% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.4323% | 1,751 |
| Net charge-offs to loans | -0.0491% | 4,317 |
| Credit loss provision to net charge-offs | -393.4010% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4873% | 1,158 |
| Assets per employee ($millions) | 2.7549% | 4,721 |
| Cash dividends to net income (ytd only)* | 31.6288% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,701 |
| Loan loss allowance to noncurrent loans | 520.1660% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 1,893 |
| Noncurrent loans to loans | 0.2805% | 2,600 |
| Net loans and leases to total assets | 76.8336% | 453 |
| Net loans and leases to deposits | 91.4177% | 506 |
| Net loans and leases to core deposits | 96.0506% | 688 |
| Total domestic deposits to total assets | 84.0467% | 3,549 |
| Equity capital to assets | 9.7094% | 2,935 |
| Core capital (leverage) ratio | 8.2814% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,616,400 | 1,680 |
| Average earning assets | $435,486,400 | 1,787 |
| Average equity | $50,549,400 | 1,750 |
| Average total loans | $401,042,000 | 1,370 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 107 |
| Cost of funding earning assets | 0.6993% | 385 |
| Net interest margin | 5.1206% | 135 |
| Noninterest income to average assets | 2.7832% | 217 |
| Noninterest expense to average assets | 5.4674% | 144 |
| Loan and lease loss provision to assets | 0.1610% | 682 |
| Net operating income to assets | 1.2287% | 2,068 |
| Return on assets (ROA) | 1.0701% | 2,715 |
| Pretax return on assets | 1.4142% | 2,278 |
| Return on Equity (ROE) | 10.6718% | 2,489 |
| Retained earnings to average equity (ytd only) | 6.4828% | 2,623 |
| Net charge-offs to loans | -0.0667% | 4,464 |
| Credit loss provision to net charge-offs | -304.5685% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9234% | 1,041 |
| Assets per employee ($millions) | 2.6294% | 4,804 |
| Cash dividends to net income (ytd only)* | 39.2526% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,698 |
| Loan loss allowance to noncurrent loans | 452.3385% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 1,933 |
| Noncurrent loans to loans | 0.3282% | 2,610 |
| Net loans and leases to total assets | 76.8973% | 480 |
| Net loans and leases to deposits | 92.0106% | 495 |
| Net loans and leases to core deposits | 96.9846% | 702 |
| Total domestic deposits to total assets | 83.5745% | 3,569 |
| Equity capital to assets | 9.9209% | 2,976 |
| Core capital (leverage) ratio | 8.6027% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $496,774,750 | 1,722 |
| Average earning assets | $428,607,000 | 1,829 |
| Average equity | $49,812,500 | 1,788 |
| Average total loans | $393,900,500 | 1,423 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 123 |
| Cost of funding earning assets | 0.7025% | 464 |
| Net interest margin | 5.0435% | 160 |
| Noninterest income to average assets | 2.6981% | 220 |
| Noninterest expense to average assets | 5.4846% | 147 |
| Loan and lease loss provision to assets | 0.1848% | 619 |
| Net operating income to assets | 1.0807% | 2,601 |
| Return on assets (ROA) | 0.9949% | 2,987 |
| Pretax return on assets | 1.3086% | 2,609 |
| Return on Equity (ROE) | 9.8845% | 2,788 |
| Retained earnings to average equity (ytd only) | 6.3395% | 2,676 |
| Net charge-offs to loans | -0.0242% | 4,062 |
| Credit loss provision to net charge-offs | -957.4468% | 3,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6434% | 940 |
| Assets per employee ($millions) | 2.3973% | 4,857 |
| Cash dividends to net income (ytd only)* | 35.8646% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,828 |
| Loan loss allowance to noncurrent loans | 421.2364% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 2,010 |
| Noncurrent loans to loans | 0.3409% | 2,689 |
| Net loans and leases to total assets | 77.5011% | 478 |
| Net loans and leases to deposits | 92.2703% | 529 |
| Net loans and leases to core deposits | 100.7549% | 639 |
| Total domestic deposits to total assets | 83.9935% | 3,443 |
| Equity capital to assets | 10.0006% | 2,849 |
| Core capital (leverage) ratio | 9.1499% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,076,333 | 1,745 |
| Average earning assets | $421,608,333 | 1,840 |
| Average equity | $49,026,333 | 1,802 |
| Average total loans | $388,376,333 | 1,444 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 137 |
| Cost of funding earning assets | 0.8458% | 287 |
| Net interest margin | 4.9492% | 196 |
| Noninterest income to average assets | 2.4965% | 265 |
| Noninterest expense to average assets | 5.4891% | 146 |
| Loan and lease loss provision to assets | 0.1898% | 645 |
| Net operating income to assets | 0.7965% | 3,434 |
| Return on assets (ROA) | 0.8420% | 3,375 |
| Pretax return on assets | 1.1432% | 3,005 |
| Return on Equity (ROE) | 8.3364% | 3,229 |
| Retained earnings to average equity (ytd only) | 2.5226% | 3,909 |
| Net charge-offs to loans | -0.0126% | 3,773 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0010% | 755 |
| Assets per employee ($millions) | 2.3356% | 4,888 |
| Cash dividends to net income (ytd only)* | 69.7395% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,001 |
| Loan loss allowance to noncurrent loans | 524.8577% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 2,368 |
| Noncurrent loans to loans | 0.2650% | 3,156 |
| Net loans and leases to total assets | 81.5040% | 248 |
| Net loans and leases to deposits | 98.2025% | 336 |
| Net loans and leases to core deposits | 110.8960% | 387 |
| Total domestic deposits to total assets | 82.9959% | 3,689 |
| Equity capital to assets | 10.4043% | 2,357 |
| Core capital (leverage) ratio | 9.2827% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $474,100,000 | 1,770 |
| Average earning assets | $410,006,500 | 1,871 |
| Average equity | $47,886,500 | 1,827 |
| Average total loans | $380,867,000 | 1,462 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 406 |
| Cost of funding earning assets | 0.8237% | 1,113 |
| Net interest margin | 4.2800% | 529 |
| Noninterest income to average assets | 0.9048% | 1,251 |
| Noninterest expense to average assets | 3.4248% | 768 |
| Loan and lease loss provision to assets | 0.1961% | 1,993 |
| Net operating income to assets | 0.8339% | 2,965 |
| Return on assets (ROA) | 0.8339% | 3,092 |
| Pretax return on assets | 1.1149% | 2,633 |
| Return on Equity (ROE) | 8.5790% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.4157% | 2,088 |
| Net charge-offs to loans | -0.0164% | 4,377 |
| Credit loss provision to net charge-offs | -1,424.5283% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3170% | 1,642 |
| Assets per employee ($millions) | 4.8842% | 3,520 |
| Cash dividends to net income (ytd only)* | 36.8732% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,718 |
| Loan loss allowance to noncurrent loans | 590.4125% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,310 |
| Noncurrent loans to loans | 0.2478% | 3,307 |
| Net loans and leases to total assets | 76.8586% | 706 |
| Net loans and leases to deposits | 94.7669% | 615 |
| Net loans and leases to core deposits | 108.6735% | 551 |
| Total domestic deposits to total assets | 81.1028% | 3,854 |
| Equity capital to assets | 9.8522% | 3,262 |
| Core capital (leverage) ratio | 8.8199% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,041,600 | 1,906 |
| Average earning assets | $344,651,800 | 1,957 |
| Average equity | $37,428,400 | 2,109 |
| Average total loans | $322,503,200 | 1,600 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 447 |
| Cost of funding earning assets | 0.8769% | 1,151 |
| Net interest margin | 4.2838% | 610 |
| Noninterest income to average assets | 0.8581% | 1,332 |
| Noninterest expense to average assets | 3.5206% | 687 |
| Loan and lease loss provision to assets | 0.1662% | 2,338 |
| Net operating income to assets | 0.7880% | 3,138 |
| Return on assets (ROA) | 0.7880% | 3,254 |
| Pretax return on assets | 1.0530% | 2,896 |
| Return on Equity (ROE) | 8.1415% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.0312% | 3,035 |
| Net charge-offs to loans | -0.0213% | 4,440 |
| Credit loss provision to net charge-offs | -910.0000% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2800% | 1,382 |
| Assets per employee ($millions) | 4.5001% | 3,848 |
| Cash dividends to net income (ytd only)* | 50.4863% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,774 |
| Loan loss allowance to noncurrent loans | 635.1145% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 3,444 |
| Noncurrent loans to loans | 0.2190% | 3,511 |
| Net loans and leases to total assets | 89.3716% | 52 |
| Net loans and leases to deposits | 102.1084% | 450 |
| Net loans and leases to core deposits | 122.7284% | 362 |
| Total domestic deposits to total assets | 87.5262% | 1,433 |
| Equity capital to assets | 9.0712% | 4,058 |
| Core capital (leverage) ratio | 8.7787% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,302,250 | 1,959 |
| Average earning assets | $331,008,250 | 2,001 |
| Average equity | $35,357,000 | 2,202 |
| Average total loans | $312,649,250 | 1,633 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 628 |
| Cost of funding earning assets | 0.9335% | 1,223 |
| Net interest margin | 4.2150% | 892 |
| Noninterest income to average assets | 0.8483% | 1,289 |
| Noninterest expense to average assets | 3.6151% | 633 |
| Loan and lease loss provision to assets | 0.1127% | 2,888 |
| Net operating income to assets | 0.6900% | 3,421 |
| Return on assets (ROA) | 0.6900% | 3,524 |
| Pretax return on assets | 0.9226% | 3,251 |
| Return on Equity (ROE) | 6.9665% | 3,144 |
| Retained earnings to average equity (ytd only) | 3.6681% | 3,082 |
| Net charge-offs to loans | -0.0289% | 4,526 |
| Credit loss provision to net charge-offs | -465.1163% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7374% | 1,077 |
| Assets per employee ($millions) | 4.7963% | 3,419 |
| Cash dividends to net income (ytd only)* | 47.3469% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,633 |
| Loan loss allowance to noncurrent loans | 589.0411% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 3,556 |
| Noncurrent loans to loans | 0.2356% | 3,530 |
| Net loans and leases to total assets | 81.4760% | 455 |
| Net loans and leases to deposits | 92.3171% | 1,120 |
| Net loans and leases to core deposits | 112.9642% | 635 |
| Total domestic deposits to total assets | 88.2567% | 1,059 |
| Equity capital to assets | 8.6081% | 4,417 |
| Core capital (leverage) ratio | 9.0427% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,065,333 | 1,983 |
| Average earning assets | $320,288,333 | 2,026 |
| Average equity | $35,168,333 | 2,195 |
| Average total loans | $297,227,333 | 1,676 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 503 |
| Cost of funding earning assets | 1.0064% | 1,389 |
| Net interest margin | 4.3359% | 710 |
| Noninterest income to average assets | 0.6312% | 1,898 |
| Noninterest expense to average assets | 3.8559% | 581 |
| Loan and lease loss provision to assets | 0.0613% | 3,004 |
| Net operating income to assets | 0.4915% | 3,917 |
| Return on assets (ROA) | 0.4915% | 3,971 |
| Pretax return on assets | 0.6533% | 3,801 |
| Return on Equity (ROE) | 4.5830% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.7830% | 2,769 |
| Net charge-offs to loans | -0.0465% | 4,614 |
| Credit loss provision to net charge-offs | -156.2500% | 3,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3658% | 805 |
| Assets per employee ($millions) | 3.7020% | 4,276 |
| Cash dividends to net income (ytd only)* | 17.4564% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,065 |
| Loan loss allowance to noncurrent loans | 615.9030% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 3,338 |
| Noncurrent loans to loans | 0.2600% | 3,562 |
| Net loans and leases to total assets | 87.1768% | 90 |
| Net loans and leases to deposits | 101.3603% | 474 |
| Net loans and leases to core deposits | 113.6214% | 681 |
| Total domestic deposits to total assets | 86.0069% | 2,002 |
| Equity capital to assets | 10.9255% | 2,921 |
| Core capital (leverage) ratio | 11.0056% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,357,000 | 2,055 |
| Average earning assets | $296,503,000 | 2,097 |
| Average equity | $34,999,000 | 2,202 |
| Average total loans | $275,439,000 | 1,736 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 520 |
| Cost of funding earning assets | 1.0295% | 1,602 |
| Net interest margin | 4.5157% | 699 |
| Noninterest income to average assets | 0.7732% | 1,534 |
| Noninterest expense to average assets | 3.5858% | 865 |
| Loan and lease loss provision to assets | 0.0765% | 2,460 |
| Net operating income to assets | 0.8930% | 3,228 |
| Return on assets (ROA) | 0.8930% | 3,319 |
| Pretax return on assets | 1.1947% | 2,857 |
| Return on Equity (ROE) | 8.4104% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.8280% | 1,961 |
| Net charge-offs to loans | 0.0436% | 2,519 |
| Credit loss provision to net charge-offs | 214.2857% | 1,231 |
| Earnings coverage of net charge-offs (x) | 35.5905% | 1,409 |
| Efficiency ratio | 73.8269% | 1,626 |
| Assets per employee ($millions) | 3.8447% | 4,103 |
| Cash dividends to net income (ytd only)* | 30.7048% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 820 |
| Loan loss allowance to noncurrent loans | 747.8333% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 3,498 |
| Noncurrent loans to loans | 0.2260% | 3,642 |
| Net loans and leases to total assets | 78.9522% | 940 |
| Net loans and leases to deposits | 91.3829% | 1,447 |
| Net loans and leases to core deposits | 102.1203% | 1,396 |
| Total domestic deposits to total assets | 86.3971% | 1,886 |
| Equity capital to assets | 10.5280% | 3,420 |
| Core capital (leverage) ratio | 11.2803% | 2,266 |
| Tier 1 risk-based capital ratio | 11.2986% | 4,736 |
| Total risk-based capital ratio | 12.5512% | 4,621 |
| Memoranda: | ||
| Average total assets | $293,964,600 | 2,196 |
| Average earning assets | $265,850,000 | 2,243 |
| Average equity | $31,211,400 | 2,331 |
| Average total loans | $241,033,800 | 1,881 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5754% | 518 |
| Cost of funding earning assets | 1.0373% | 1,597 |
| Net interest margin | 4.5381% | 704 |
| Noninterest income to average assets | 0.7397% | 1,623 |
| Noninterest expense to average assets | 3.5473% | 904 |
| Loan and lease loss provision to assets | 0.0702% | 2,472 |
| Net operating income to assets | 0.9153% | 3,287 |
| Return on assets (ROA) | 0.9153% | 3,371 |
| Pretax return on assets | 1.2228% | 2,906 |
| Return on Equity (ROE) | 8.5993% | 3,057 |
| Retained earnings to average equity (ytd only) | 5.0540% | 2,866 |
| Net charge-offs to loans | 0.0590% | 1,979 |
| Credit loss provision to net charge-offs | 144.2308% | 1,687 |
| Earnings coverage of net charge-offs (x) | 26.5583% | 1,740 |
| Efficiency ratio | 73.2856% | 1,660 |
| Assets per employee ($millions) | 3.6807% | 4,302 |
| Cash dividends to net income (ytd only)* | 41.2277% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 788 |
| Loan loss allowance to noncurrent loans | 762.1762% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,676 |
| Noncurrent loans to loans | 0.2256% | 3,738 |
| Net loans and leases to total assets | 84.5965% | 286 |
| Net loans and leases to deposits | 98.1198% | 811 |
| Net loans and leases to core deposits | 112.5078% | 818 |
| Total domestic deposits to total assets | 86.2176% | 1,898 |
| Equity capital to assets | 10.4426% | 3,595 |
| Core capital (leverage) ratio | 10.8763% | 2,763 |
| Tier 1 risk-based capital ratio | 10.9222% | 4,951 |
| Total risk-based capital ratio | 12.1758% | 4,826 |
| Memoranda: | ||
| Average total assets | $284,795,250 | 2,266 |
| Average earning assets | $257,338,750 | 2,303 |
| Average equity | $30,311,750 | 2,386 |
| Average total loans | $234,908,250 | 1,941 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 579 |
| Cost of funding earning assets | 1.0309% | 1,568 |
| Net interest margin | 4.4609% | 834 |
| Noninterest income to average assets | 0.6478% | 1,930 |
| Noninterest expense to average assets | 3.5413% | 915 |
| Loan and lease loss provision to assets | 0.0535% | 2,752 |
| Net operating income to assets | 0.8168% | 3,597 |
| Return on assets (ROA) | 0.8168% | 3,653 |
| Pretax return on assets | 1.0908% | 3,262 |
| Return on Equity (ROE) | 7.6237% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.9404% | 2,795 |
| Net charge-offs to loans | 0.1037% | 1,353 |
| Credit loss provision to net charge-offs | 63.5593% | 2,378 |
| Earnings coverage of net charge-offs (x) | 13.5932% | 2,089 |
| Efficiency ratio | 75.5786% | 1,451 |
| Assets per employee ($millions) | 3.7162% | 4,221 |
| Cash dividends to net income (ytd only)* | 35.1965% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 629 |
| Loan loss allowance to noncurrent loans | 2,754.1401% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,327 |
| Noncurrent loans to loans | 0.0669% | 4,381 |
| Net loans and leases to total assets | 81.5104% | 672 |
| Net loans and leases to deposits | 92.4985% | 1,433 |
| Net loans and leases to core deposits | 102.7347% | 1,495 |
| Total domestic deposits to total assets | 88.1208% | 1,045 |
| Equity capital to assets | 10.8762% | 3,199 |
| Core capital (leverage) ratio | 11.2144% | 2,408 |
| Tier 1 risk-based capital ratio | 11.5168% | 4,677 |
| Total risk-based capital ratio | 12.7715% | 4,568 |
| Memoranda: | ||
| Average total assets | $280,349,000 | 2,295 |
| Average earning assets | $253,763,000 | 2,334 |
| Average equity | $30,038,000 | 2,396 |
| Average total loans | $227,669,670 | 1,997 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4252% | 598 |
| Cost of funding earning assets | 1.0426% | 1,402 |
| Net interest margin | 4.3826% | 937 |
| Noninterest income to average assets | 0.5456% | 2,308 |
| Noninterest expense to average assets | 3.4715% | 1,008 |
| Loan and lease loss provision to assets | 0.1074% | 1,654 |
| Net operating income to assets | 0.7017% | 3,924 |
| Return on assets (ROA) | 0.7017% | 3,970 |
| Pretax return on assets | 0.9337% | 3,659 |
| Return on Equity (ROE) | 6.5998% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.5998% | 2,200 |
| Net charge-offs to loans | 0.4335% | 349 |
| Credit loss provision to net charge-offs | 30.8642% | 2,083 |
| Earnings coverage of net charge-offs (x) | 2.9918% | 2,440 |
| Efficiency ratio | 76.9280% | 1,386 |
| Assets per employee ($millions) | 3.9418% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 652 |
| Loan loss allowance to noncurrent loans | 1,153.5714% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,903 |
| Noncurrent loans to loans | 0.1595% | 4,029 |
| Net loans and leases to total assets | 82.3723% | 542 |
| Net loans and leases to deposits | 93.8078% | 1,195 |
| Net loans and leases to core deposits | 106.5279% | 1,136 |
| Total domestic deposits to total assets | 87.8097% | 1,438 |
| Equity capital to assets | 11.1851% | 2,673 |
| Core capital (leverage) ratio | 11.0775% | 2,503 |
| Tier 1 risk-based capital ratio | 11.7078% | 4,617 |
| Total risk-based capital ratio | 12.9623% | 4,510 |
| Memoranda: | ||
| Average total assets | $279,306,500 | 2,319 |
| Average earning assets | $252,819,500 | 2,361 |
| Average equity | $29,698,000 | 2,423 |
| Average total loans | $224,236,000 | 2,032 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 695 |
| Cost of funding earning assets | 0.7910% | 1,569 |
| Net interest margin | 4.4138% | 905 |
| Noninterest income to average assets | 0.6765% | 1,939 |
| Noninterest expense to average assets | 3.0042% | 2,036 |
| Loan and lease loss provision to assets | 0.1307% | 1,680 |
| Net operating income to assets | 1.1935% | 2,205 |
| Return on assets (ROA) | 1.1935% | 2,203 |
| Pretax return on assets | 1.5940% | 1,487 |
| Return on Equity (ROE) | 11.7021% | 1,820 |
| Retained earnings to average equity (ytd only) | 9.0613% | 837 |
| Net charge-offs to loans | 0.1177% | 1,568 |
| Credit loss provision to net charge-offs | 141.7004% | 1,912 |
| Earnings coverage of net charge-offs (x) | 18.6923% | 2,116 |
| Efficiency ratio | 63.5279% | 3,260 |
| Assets per employee ($millions) | 4.2780% | 3,496 |
| Cash dividends to net income (ytd only)* | 22.5665% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 485 |
| Loan loss allowance to noncurrent loans | 807.2089% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 3,177 |
| Noncurrent loans to loans | 0.2457% | 3,708 |
| Net loans and leases to total assets | 75.3121% | 1,726 |
| Net loans and leases to deposits | 84.7802% | 2,432 |
| Net loans and leases to core deposits | 97.2860% | 1,945 |
| Total domestic deposits to total assets | 88.8321% | 934 |
| Equity capital to assets | 10.1086% | 3,560 |
| Core capital (leverage) ratio | 10.9467% | 2,572 |
| Tier 1 risk-based capital ratio | 11.4149% | 4,764 |
| Total risk-based capital ratio | 12.6708% | 4,670 |
| Memoranda: | ||
| Average total assets | $267,690,800 | 2,351 |
| Average earning assets | $245,775,600 | 2,368 |
| Average equity | $27,302,800 | 2,496 |
| Average total loans | $209,793,000 | 2,095 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 700 |
| Cost of funding earning assets | 0.7818% | 1,423 |
| Net interest margin | 4.3588% | 992 |
| Noninterest income to average assets | 0.6926% | 1,895 |
| Noninterest expense to average assets | 2.9804% | 2,072 |
| Loan and lease loss provision to assets | 0.1775% | 1,030 |
| Net operating income to assets | 1.1561% | 2,421 |
| Return on assets (ROA) | 1.1561% | 2,426 |
| Pretax return on assets | 1.5434% | 1,758 |
| Return on Equity (ROE) | 11.3071% | 2,050 |
| Retained earnings to average equity (ytd only) | 7.7315% | 1,778 |
| Net charge-offs to loans | 0.0714% | 1,818 |
| Credit loss provision to net charge-offs | 315.3153% | 982 |
| Earnings coverage of net charge-offs (x) | 30.5758% | 1,587 |
| Efficiency ratio | 63.3952% | 3,278 |
| Assets per employee ($millions) | 4.3493% | 3,360 |
| Cash dividends to net income (ytd only)* | 31.6229% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 403 |
| Loan loss allowance to noncurrent loans | 1,148.7245% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 2,986 |
| Noncurrent loans to loans | 0.1849% | 4,058 |
| Net loans and leases to total assets | 78.2157% | 1,315 |
| Net loans and leases to deposits | 88.4346% | 2,097 |
| Net loans and leases to core deposits | 99.6528% | 1,822 |
| Total domestic deposits to total assets | 88.4447% | 1,069 |
| Equity capital to assets | 10.4528% | 3,185 |
| Core capital (leverage) ratio | 10.4712% | 3,112 |
| Tier 1 risk-based capital ratio | 11.3737% | 4,860 |
| Total risk-based capital ratio | 12.6310% | 4,743 |
| Memoranda: | ||
| Average total assets | $262,957,000 | 2,395 |
| Average earning assets | $241,834,250 | 2,413 |
| Average equity | $26,885,000 | 2,529 |
| Average total loans | $207,183,500 | 2,125 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 1,093 |
| Cost of funding earning assets | 0.7643% | 1,309 |
| Net interest margin | 4.1016% | 1,553 |
| Noninterest income to average assets | 0.7217% | 1,781 |
| Noninterest expense to average assets | 2.9805% | 2,094 |
| Loan and lease loss provision to assets | 0.2670% | 572 |
| Net operating income to assets | 0.9375% | 3,291 |
| Return on assets (ROA) | 0.9375% | 3,296 |
| Pretax return on assets | 1.2526% | 2,718 |
| Return on Equity (ROE) | 9.2397% | 2,920 |
| Retained earnings to average equity (ytd only) | 6.5257% | 2,300 |
| Net charge-offs to loans | 0.0720% | 1,615 |
| Credit loss provision to net charge-offs | 472.9730% | 734 |
| Earnings coverage of net charge-offs (x) | 26.9189% | 1,586 |
| Efficiency ratio | 66.2316% | 2,929 |
| Assets per employee ($millions) | 5.0885% | 2,307 |
| Cash dividends to net income (ytd only)* | 29.3735% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1669% | 396 |
| Loan loss allowance to noncurrent loans | 1,883.8174% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,478 |
| Noncurrent loans to loans | 0.1150% | 4,395 |
| Net loans and leases to total assets | 74.5983% | 1,850 |
| Net loans and leases to deposits | 83.8785% | 2,551 |
| Net loans and leases to core deposits | 93.4505% | 2,272 |
| Total domestic deposits to total assets | 88.9361% | 960 |
| Equity capital to assets | 9.8440% | 3,776 |
| Core capital (leverage) ratio | 10.7250% | 2,775 |
| Tier 1 risk-based capital ratio | 11.1921% | 4,951 |
| Total risk-based capital ratio | 12.4497% | 4,851 |
| Memoranda: | ||
| Average total assets | $262,174,000 | 2,401 |
| Average earning assets | $241,514,670 | 2,421 |
| Average equity | $26,602,670 | 2,558 |
| Average total loans | $205,573,330 | 2,146 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 980 |
| Cost of funding earning assets | 0.3410% | 4,053 |
| Net interest margin | 4.5081% | 606 |
| Noninterest income to average assets | 0.7301% | 1,703 |
| Noninterest expense to average assets | 3.0578% | 1,925 |
| Loan and lease loss provision to assets | 0.3283% | 378 |
| Net operating income to assets | 1.0896% | 2,473 |
| Return on assets (ROA) | 1.0896% | 2,489 |
| Pretax return on assets | 1.4976% | 1,687 |
| Return on Equity (ROE) | 10.5688% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.0949% | 3,125 |
| Net charge-offs to loans | 0.1788% | 817 |
| Credit loss provision to net charge-offs | 230.7692% | 954 |
| Earnings coverage of net charge-offs (x) | 12.8352% | 1,786 |
| Efficiency ratio | 62.6120% | 3,684 |
| Assets per employee ($millions) | 4.4910% | 3,178 |
| Cash dividends to net income (ytd only)* | 51.7934% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 420 |
| Loan loss allowance to noncurrent loans | 1,849.3671% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 3,780 |
| Noncurrent loans to loans | 0.1165% | 4,445 |
| Net loans and leases to total assets | 79.1458% | 1,058 |
| Net loans and leases to deposits | 89.8036% | 1,712 |
| Net loans and leases to core deposits | 109.8900% | 1,015 |
| Total domestic deposits to total assets | 88.1321% | 1,547 |
| Equity capital to assets | 10.5438% | 3,034 |
| Core capital (leverage) ratio | 10.5654% | 2,874 |
| Tier 1 risk-based capital ratio | 11.3823% | 4,934 |
| Total risk-based capital ratio | 12.6400% | 4,828 |
| Memoranda: | ||
| Average total assets | $255,872,500 | 2,475 |
| Average earning assets | $235,753,500 | 2,484 |
| Average equity | $26,379,500 | 2,586 |
| Average total loans | $203,600,500 | 2,171 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 981 |
| Cost of funding earning assets | 0.3059% | 4,077 |
| Net interest margin | 4.4905% | 624 |
| Noninterest income to average assets | 0.8815% | 1,324 |
| Noninterest expense to average assets | 3.3028% | 1,376 |
| Loan and lease loss provision to assets | 0.0104% | 4,072 |
| Net operating income to assets | 0.8807% | 2,814 |
| Return on assets (ROA) | 0.8807% | 2,834 |
| Pretax return on assets | 1.7214% | 958 |
| Return on Equity (ROE) | 8.2585% | 2,664 |
| Retained earnings to average equity (ytd only) | 5.5434% | 1,796 |
| Net charge-offs to loans | 0.2056% | 1,258 |
| Credit loss provision to net charge-offs | 6.2972% | 3,683 |
| Earnings coverage of net charge-offs (x) | 10.4710% | 2,673 |
| Efficiency ratio | 65.6020% | 3,328 |
| Assets per employee ($millions) | 4.7318% | 2,819 |
| Cash dividends to net income (ytd only)* | 32.8761% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0925% | 453 |
| Loan loss allowance to noncurrent loans | 1,450.3401% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 3,198 |
| Noncurrent loans to loans | 0.1443% | 4,346 |
| Net loans and leases to total assets | 76.6595% | 1,486 |
| Net loans and leases to deposits | 86.4883% | 2,197 |
| Net loans and leases to core deposits | 102.9087% | 1,493 |
| Total domestic deposits to total assets | 88.6356% | 1,173 |
| Equity capital to assets | 10.0833% | 3,613 |
| Core capital (leverage) ratio | 10.5656% | 2,773 |
| Tier 1 risk-based capital ratio | 11.1458% | 5,066 |
| Total risk-based capital ratio | 12.4028% | 4,941 |
| Memoranda: | ||
| Average total assets | $240,042,200 | 2,565 |
| Average earning assets | $222,002,000 | 2,567 |
| Average equity | $25,598,000 | 2,634 |
| Average total loans | $193,077,400 | 2,220 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 1,007 |
| Cost of funding earning assets | 0.3020% | 4,107 |
| Net interest margin | 4.4566% | 656 |
| Noninterest income to average assets | 0.8817% | 1,330 |
| Noninterest expense to average assets | 3.2120% | 1,530 |
| Loan and lease loss provision to assets | 0.0142% | 3,863 |
| Net operating income to assets | 1.1274% | 1,962 |
| Return on assets (ROA) | 1.1274% | 2,027 |
| Pretax return on assets | 1.7839% | 923 |
| Return on Equity (ROE) | 10.4150% | 1,944 |
| Retained earnings to average equity (ytd only) | 6.7721% | 1,810 |
| Net charge-offs to loans | 0.2717% | 796 |
| Credit loss provision to net charge-offs | 6.4433% | 3,243 |
| Earnings coverage of net charge-offs (x) | 8.1675% | 2,811 |
| Efficiency ratio | 64.1110% | 3,520 |
| Assets per employee ($millions) | 4.4720% | 3,195 |
| Cash dividends to net income (ytd only)* | 34.9772% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 467 |
| Loan loss allowance to noncurrent loans | 554.9351% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 3,307 |
| Noncurrent loans to loans | 0.3821% | 3,579 |
| Net loans and leases to total assets | 80.1850% | 961 |
| Net loans and leases to deposits | 90.9818% | 1,693 |
| Net loans and leases to core deposits | 105.0416% | 1,330 |
| Total domestic deposits to total assets | 88.1330% | 1,293 |
| Equity capital to assets | 10.6412% | 3,227 |
| Core capital (leverage) ratio | 10.3434% | 3,150 |
| Tier 1 risk-based capital ratio | 11.3207% | 5,060 |
| Total risk-based capital ratio | 12.5781% | 4,943 |
| Memoranda: | ||
| Average total assets | $234,990,000 | 2,625 |
| Average earning assets | $217,678,750 | 2,623 |
| Average equity | $25,437,000 | 2,669 |
| Average total loans | $190,404,000 | 2,249 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 1,174 |
| Cost of funding earning assets | 0.3002% | 4,080 |
| Net interest margin | 4.3412% | 779 |
| Noninterest income to average assets | 0.8576% | 1,397 |
| Noninterest expense to average assets | 3.2637% | 1,438 |
| Loan and lease loss provision to assets | 0.0216% | 3,553 |
| Net operating income to assets | 1.0029% | 2,411 |
| Return on assets (ROA) | 1.0029% | 2,452 |
| Pretax return on assets | 1.5977% | 1,351 |
| Return on Equity (ROE) | 9.2094% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.4466% | 1,877 |
| Net charge-offs to loans | 0.3460% | 580 |
| Credit loss provision to net charge-offs | 7.7399% | 2,867 |
| Earnings coverage of net charge-offs (x) | 5.7988% | 2,781 |
| Efficiency ratio | 66.8378% | 3,207 |
| Assets per employee ($millions) | 4.4171% | 3,243 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 412 |
| Loan loss allowance to noncurrent loans | 181.7344% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 1,822 |
| Noncurrent loans to loans | 1.2279% | 1,584 |
| Net loans and leases to total assets | 75.4843% | 1,615 |
| Net loans and leases to deposits | 85.1735% | 2,332 |
| Net loans and leases to core deposits | 101.3946% | 1,562 |
| Total domestic deposits to total assets | 88.6241% | 1,144 |
| Equity capital to assets | 10.2090% | 3,661 |
| Core capital (leverage) ratio | 9.7420% | 3,846 |
| Tier 1 risk-based capital ratio | 11.6150% | 4,884 |
| Total risk-based capital ratio | 12.8739% | 4,762 |
| Memoranda: | ||
| Average total assets | $231,333,330 | 2,666 |
| Average earning assets | $214,504,330 | 2,663 |
| Average equity | $25,191,670 | 2,692 |
| Average total loans | $186,706,670 | 2,288 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 932 |
| Cost of funding earning assets | 0.3051% | 3,993 |
| Net interest margin | 4.4007% | 637 |
| Noninterest income to average assets | 0.7526% | 1,736 |
| Noninterest expense to average assets | 3.3992% | 1,207 |
| Loan and lease loss provision to assets | 0.0452% | 2,894 |
| Net operating income to assets | 0.8701% | 2,900 |
| Return on assets (ROA) | 0.8701% | 2,953 |
| Pretax return on assets | 1.3785% | 1,954 |
| Return on Equity (ROE) | 7.7159% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.1335% | 4,288 |
| Net charge-offs to loans | 0.9318% | 179 |
| Credit loss provision to net charge-offs | 5.8685% | 2,249 |
| Earnings coverage of net charge-offs (x) | 1.8474% | 2,672 |
| Efficiency ratio | 70.4801% | 2,822 |
| Assets per employee ($millions) | 4.0063% | 3,997 |
| Cash dividends to net income (ytd only)* | 72.3493% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3122% | 408 |
| Loan loss allowance to noncurrent loans | 183.8108% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 1,771 |
| Noncurrent loans to loans | 1.2579% | 1,603 |
| Net loans and leases to total assets | 79.7515% | 864 |
| Net loans and leases to deposits | 91.5793% | 1,369 |
| Net loans and leases to core deposits | 113.4671% | 704 |
| Total domestic deposits to total assets | 87.0846% | 2,171 |
| Equity capital to assets | 11.1494% | 2,476 |
| Core capital (leverage) ratio | 11.2957% | 2,109 |
| Tier 1 risk-based capital ratio | 11.9282% | 4,767 |
| Total risk-based capital ratio | 13.1876% | 4,661 |
| Memoranda: | ||
| Average total assets | $221,111,500 | 2,784 |
| Average earning assets | $204,514,500 | 2,782 |
| Average equity | $24,935,500 | 2,716 |
| Average total loans | $182,865,000 | 2,335 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 717 |
| Cost of funding earning assets | 0.2571% | 4,503 |
| Net interest margin | 4.6603% | 449 |
| Noninterest income to average assets | 1.0541% | 1,013 |
| Noninterest expense to average assets | 3.2530% | 1,679 |
| Loan and lease loss provision to assets | 0.1412% | 1,769 |
| Net operating income to assets | 1.2305% | 1,407 |
| Return on assets (ROA) | 1.2305% | 1,499 |
| Pretax return on assets | 1.9679% | 538 |
| Return on Equity (ROE) | 10.9847% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.1703% | 795 |
| Net charge-offs to loans | -0.2993% | 5,794 |
| Credit loss provision to net charge-offs | -57.0342% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6670% | 4,480 |
| Assets per employee ($millions) | 4.0346% | 3,903 |
| Cash dividends to net income (ytd only)* | 25.6214% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5393% | 293 |
| Loan loss allowance to noncurrent loans | 539.0698% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,688 |
| Noncurrent loans to loans | 0.4710% | 3,461 |
| Net loans and leases to total assets | 81.6699% | 646 |
| Net loans and leases to deposits | 94.0589% | 1,190 |
| Net loans and leases to core deposits | 107.7023% | 1,037 |
| Total domestic deposits to total assets | 86.8284% | 2,231 |
| Equity capital to assets | 11.4090% | 2,239 |
| Core capital (leverage) ratio | 11.0459% | 2,299 |
| Tier 1 risk-based capital ratio | 12.0865% | 4,668 |
| Total risk-based capital ratio | 13.3487% | 4,537 |
| Memoranda: | ||
| Average total assets | $212,509,400 | 2,831 |
| Average earning assets | $196,446,200 | 2,831 |
| Average equity | $23,805,800 | 2,814 |
| Average total loans | $175,752,200 | 2,351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 830 |
| Cost of funding earning assets | 0.2430% | 4,669 |
| Net interest margin | 4.5959% | 510 |
| Noninterest income to average assets | 1.0481% | 1,035 |
| Noninterest expense to average assets | 3.1974% | 1,777 |
| Loan and lease loss provision to assets | 0.1894% | 1,151 |
| Net operating income to assets | 1.1946% | 1,654 |
| Return on assets (ROA) | 1.1946% | 1,753 |
| Pretax return on assets | 1.9118% | 689 |
| Return on Equity (ROE) | 10.7149% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.9205% | 1,668 |
| Net charge-offs to loans | -0.1456% | 5,684 |
| Credit loss provision to net charge-offs | -157.8947% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3432% | 4,492 |
| Assets per employee ($millions) | 3.7805% | 4,341 |
| Cash dividends to net income (ytd only)* | 35.4123% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3351% | 416 |
| Loan loss allowance to noncurrent loans | 394.8577% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 3,372 |
| Noncurrent loans to loans | 0.5914% | 3,235 |
| Net loans and leases to total assets | 80.6298% | 806 |
| Net loans and leases to deposits | 92.0441% | 1,492 |
| Net loans and leases to core deposits | 105.5144% | 1,231 |
| Total domestic deposits to total assets | 87.5991% | 1,612 |
| Equity capital to assets | 10.8631% | 3,187 |
| Core capital (leverage) ratio | 10.9067% | 2,551 |
| Tier 1 risk-based capital ratio | 11.7273% | 4,967 |
| Total risk-based capital ratio | 12.9874% | 4,859 |
| Memoranda: | ||
| Average total assets | $211,169,000 | 2,855 |
| Average earning assets | $195,300,500 | 2,855 |
| Average equity | $23,543,000 | 2,859 |
| Average total loans | $174,047,500 | 2,376 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 830 |
| Cost of funding earning assets | 0.2336% | 4,816 |
| Net interest margin | 4.5956% | 514 |
| Noninterest income to average assets | 1.0096% | 1,096 |
| Noninterest expense to average assets | 3.1842% | 1,854 |
| Loan and lease loss provision to assets | 0.2413% | 817 |
| Net operating income to assets | 1.1476% | 1,781 |
| Return on assets (ROA) | 1.1476% | 1,900 |
| Pretax return on assets | 1.8378% | 806 |
| Return on Equity (ROE) | 10.1999% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.3261% | 1,463 |
| Net charge-offs to loans | -0.0375% | 5,239 |
| Credit loss provision to net charge-offs | -781.2500% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4988% | 4,577 |
| Assets per employee ($millions) | 4.2338% | 3,491 |
| Cash dividends to net income (ytd only)* | 28.1749% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 467 |
| Loan loss allowance to noncurrent loans | 426.2500% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 3,648 |
| Noncurrent loans to loans | 0.5398% | 3,457 |
| Net loans and leases to total assets | 78.9135% | 1,075 |
| Net loans and leases to deposits | 89.8144% | 1,775 |
| Net loans and leases to core deposits | 101.3221% | 1,529 |
| Total domestic deposits to total assets | 87.8629% | 1,499 |
| Equity capital to assets | 10.8335% | 3,254 |
| Core capital (leverage) ratio | 11.8097% | 1,759 |
| Tier 1 risk-based capital ratio | 12.0077% | 4,822 |
| Total risk-based capital ratio | 13.2679% | 4,728 |
| Memoranda: | ||
| Average total assets | $207,209,000 | 2,907 |
| Average earning assets | $191,790,670 | 2,910 |
| Average equity | $23,314,000 | 2,887 |
| Average total loans | $170,682,000 | 2,405 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 750 |
| Cost of funding earning assets | 0.2456% | 4,749 |
| Net interest margin | 4.6162% | 482 |
| Noninterest income to average assets | 0.9306% | 1,231 |
| Noninterest expense to average assets | 3.1803% | 1,885 |
| Loan and lease loss provision to assets | 0.2989% | 526 |
| Net operating income to assets | 1.0800% | 1,986 |
| Return on assets (ROA) | 1.0800% | 2,090 |
| Pretax return on assets | 1.7217% | 1,013 |
| Return on Equity (ROE) | 9.4075% | 2,236 |
| Retained earnings to average equity (ytd only) | 3.5929% | 3,701 |
| Net charge-offs to loans | -0.0934% | 5,602 |
| Credit loss provision to net charge-offs | -384.6154% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1494% | 4,577 |
| Assets per employee ($millions) | 4.3001% | 3,409 |
| Cash dividends to net income (ytd only)* | 61.8081% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4165% | 431 |
| Loan loss allowance to noncurrent loans | 332.9725% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 3,125 |
| Noncurrent loans to loans | 0.7257% | 3,021 |
| Net loans and leases to total assets | 81.6418% | 611 |
| Net loans and leases to deposits | 94.1292% | 1,134 |
| Net loans and leases to core deposits | 109.5464% | 874 |
| Total domestic deposits to total assets | 86.7338% | 2,336 |
| Equity capital to assets | 11.7278% | 2,221 |
| Core capital (leverage) ratio | 11.5520% | 1,941 |
| Tier 1 risk-based capital ratio | 12.5634% | 4,540 |
| Total risk-based capital ratio | 13.8244% | 4,444 |
| Memoranda: | ||
| Average total assets | $200,733,500 | 2,982 |
| Average earning assets | $185,695,000 | 2,989 |
| Average equity | $23,045,500 | 2,920 |
| Average total loans | $167,109,000 | 2,438 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 1,051 |
| Cost of funding earning assets | 0.2348% | 4,954 |
| Net interest margin | 4.4936% | 665 |
| Noninterest income to average assets | 1.0128% | 1,149 |
| Noninterest expense to average assets | 3.1447% | 2,100 |
| Loan and lease loss provision to assets | 0.2283% | 878 |
| Net operating income to assets | 1.1248% | 1,819 |
| Return on assets (ROA) | 1.1248% | 1,886 |
| Pretax return on assets | 1.7978% | 812 |
| Return on Equity (ROE) | 10.6635% | 1,731 |
| Retained earnings to average equity (ytd only) | 7.7470% | 1,000 |
| Net charge-offs to loans | 0.2605% | 1,161 |
| Credit loss provision to net charge-offs | 110.7226% | 2,282 |
| Earnings coverage of net charge-offs (x) | 9.8252% | 2,772 |
| Efficiency ratio | 60.8162% | 4,783 |
| Assets per employee ($millions) | 4.3333% | 3,334 |
| Cash dividends to net income (ytd only)* | 27.3504% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2581% | 543 |
| Loan loss allowance to noncurrent loans | 268.1210% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 2,859 |
| Noncurrent loans to loans | 0.8422% | 2,681 |
| Net loans and leases to total assets | 80.9760% | 716 |
| Net loans and leases to deposits | 92.9205% | 1,314 |
| Net loans and leases to core deposits | 108.7376% | 931 |
| Total domestic deposits to total assets | 87.1455% | 2,054 |
| Equity capital to assets | 11.2406% | 2,603 |
| Core capital (leverage) ratio | 10.5705% | 2,859 |
| Tier 1 risk-based capital ratio | 11.9564% | 4,979 |
| Total risk-based capital ratio | 13.2154% | 4,876 |
| Memoranda: | ||
| Average total assets | $208,031,000 | 2,872 |
| Average earning assets | $192,495,600 | 2,867 |
| Average equity | $21,944,000 | 2,980 |
| Average total loans | $164,662,600 | 2,406 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 1,162 |
| Cost of funding earning assets | 0.2292% | 5,099 |
| Net interest margin | 4.4371% | 738 |
| Noninterest income to average assets | 1.0475% | 1,092 |
| Noninterest expense to average assets | 3.2153% | 1,930 |
| Loan and lease loss provision to assets | 0.2550% | 666 |
| Net operating income to assets | 1.0590% | 2,176 |
| Return on assets (ROA) | 1.0590% | 2,271 |
| Pretax return on assets | 1.6876% | 1,140 |
| Return on Equity (ROE) | 10.2024% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.2713% | 2,076 |
| Net charge-offs to loans | 0.3512% | 752 |
| Credit loss provision to net charge-offs | 92.8074% | 2,430 |
| Earnings coverage of net charge-offs (x) | 7.0696% | 2,959 |
| Efficiency ratio | 62.3362% | 4,520 |
| Assets per employee ($millions) | 4.5880% | 2,855 |
| Cash dividends to net income (ytd only)* | 38.5309% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 618 |
| Loan loss allowance to noncurrent loans | 276.3879% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 3,389 |
| Noncurrent loans to loans | 0.8131% | 2,937 |
| Net loans and leases to total assets | 75.3264% | 1,489 |
| Net loans and leases to deposits | 85.6156% | 2,192 |
| Net loans and leases to core deposits | 99.7611% | 1,539 |
| Total domestic deposits to total assets | 87.9820% | 1,568 |
| Equity capital to assets | 10.3179% | 3,790 |
| Core capital (leverage) ratio | 9.7295% | 3,999 |
| Tier 1 risk-based capital ratio | 10.9997% | 5,659 |
| Total risk-based capital ratio | 12.2630% | 5,555 |
| Memoranda: | ||
| Average total assets | $209,122,750 | 2,884 |
| Average earning assets | $193,725,000 | 2,878 |
| Average equity | $21,706,750 | 3,021 |
| Average total loans | $163,646,000 | 2,437 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,116 |
| Cost of funding earning assets | 0.2223% | 5,231 |
| Net interest margin | 4.4581% | 681 |
| Noninterest income to average assets | 1.0534% | 1,069 |
| Noninterest expense to average assets | 3.2336% | 1,884 |
| Loan and lease loss provision to assets | 0.2899% | 547 |
| Net operating income to assets | 1.0408% | 2,175 |
| Return on assets (ROA) | 1.0408% | 2,294 |
| Pretax return on assets | 1.6574% | 1,175 |
| Return on Equity (ROE) | 10.0065% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.0334% | 1,692 |
| Net charge-offs to loans | 0.2199% | 1,162 |
| Credit loss provision to net charge-offs | 167.5978% | 1,423 |
| Earnings coverage of net charge-offs (x) | 11.2570% | 2,308 |
| Efficiency ratio | 62.4137% | 4,613 |
| Assets per employee ($millions) | 4.7202% | 2,649 |
| Cash dividends to net income (ytd only)* | 29.7122% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3883% | 561 |
| Loan loss allowance to noncurrent loans | 203.5639% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 2,835 |
| Noncurrent loans to loans | 1.1732% | 2,305 |
| Net loans and leases to total assets | 71.5553% | 2,063 |
| Net loans and leases to deposits | 80.8425% | 2,683 |
| Net loans and leases to core deposits | 103.5404% | 1,218 |
| Total domestic deposits to total assets | 88.5120% | 1,409 |
| Equity capital to assets | 9.9000% | 4,157 |
| Core capital (leverage) ratio | 10.4779% | 2,991 |
| Tier 1 risk-based capital ratio | 10.9102% | 5,760 |
| Total risk-based capital ratio | 12.1743% | 5,664 |
| Memoranda: | ||
| Average total assets | $206,952,000 | 2,926 |
| Average earning assets | $191,608,330 | 2,919 |
| Average equity | $21,526,000 | 3,052 |
| Average total loans | $162,806,670 | 2,455 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 835 |
| Cost of funding earning assets | 0.2215% | 5,307 |
| Net interest margin | 4.5936% | 505 |
| Noninterest income to average assets | 1.0947% | 943 |
| Noninterest expense to average assets | 3.3824% | 1,522 |
| Loan and lease loss provision to assets | 0.3007% | 484 |
| Net operating income to assets | 1.0406% | 2,073 |
| Return on assets (ROA) | 1.0406% | 2,219 |
| Pretax return on assets | 1.6521% | 1,151 |
| Return on Equity (ROE) | 9.7430% | 2,115 |
| Retained earnings to average equity (ytd only) | 3.7358% | 3,772 |
| Net charge-offs to loans | 0.0933% | 1,791 |
| Credit loss provision to net charge-offs | 394.7368% | 669 |
| Earnings coverage of net charge-offs (x) | 25.6316% | 1,261 |
| Efficiency ratio | 63.3972% | 4,574 |
| Assets per employee ($millions) | 4.4588% | 3,121 |
| Cash dividends to net income (ytd only)* | 61.6570% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3543% | 660 |
| Loan loss allowance to noncurrent loans | 198.2609% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0108% | 2,603 |
| Noncurrent loans to loans | 1.1875% | 2,397 |
| Net loans and leases to total assets | 81.9413% | 467 |
| Net loans and leases to deposits | 94.0265% | 982 |
| Net loans and leases to core deposits | 111.0820% | 702 |
| Total domestic deposits to total assets | 87.1470% | 2,289 |
| Equity capital to assets | 10.9319% | 3,051 |
| Core capital (leverage) ratio | 10.1765% | 3,373 |
| Tier 1 risk-based capital ratio | 11.0111% | 5,808 |
| Total risk-based capital ratio | 12.2761% | 5,728 |
| Memoranda: | ||
| Average total assets | $199,504,000 | 3,017 |
| Average earning assets | $184,169,500 | 3,008 |
| Average equity | $21,307,500 | 3,097 |
| Average total loans | $162,896,000 | 2,460 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,011 |
| Cost of funding earning assets | 0.2100% | 5,663 |
| Net interest margin | 4.6420% | 577 |
| Noninterest income to average assets | 0.9755% | 1,268 |
| Noninterest expense to average assets | 3.1091% | 2,484 |
| Loan and lease loss provision to assets | 0.3071% | 669 |
| Net operating income to assets | 1.1541% | 1,752 |
| Return on assets (ROA) | 1.1541% | 1,821 |
| Pretax return on assets | 1.8353% | 734 |
| Return on Equity (ROE) | 11.1114% | 1,692 |
| Retained earnings to average equity (ytd only) | 8.3373% | 892 |
| Net charge-offs to loans | 0.6660% | 575 |
| Credit loss provision to net charge-offs | 58.4226% | 3,318 |
| Earnings coverage of net charge-offs (x) | 4.0759% | 3,742 |
| Efficiency ratio | 59.2048% | 5,318 |
| Assets per employee ($millions) | 4.5071% | 3,024 |
| Cash dividends to net income (ytd only)* | 24.9667% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3356% | 686 |
| Loan loss allowance to noncurrent loans | 369.3817% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,999 |
| Noncurrent loans to loans | 0.6323% | 3,789 |
| Net loans and leases to total assets | 77.6023% | 1,058 |
| Net loans and leases to deposits | 88.5330% | 1,667 |
| Net loans and leases to core deposits | 105.2219% | 1,063 |
| Total domestic deposits to total assets | 87.6536% | 1,954 |
| Equity capital to assets | 10.4368% | 3,564 |
| Core capital (leverage) ratio | 11.0249% | 2,390 |
| Tier 1 risk-based capital ratio | 11.8651% | 5,450 |
| Total risk-based capital ratio | 13.1168% | 5,357 |
| Memoranda: | ||
| Average total assets | $195,392,800 | 3,046 |
| Average earning assets | $179,988,800 | 3,046 |
| Average equity | $20,294,400 | 3,133 |
| Average total loans | $154,215,000 | 2,510 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 1,068 |
| Cost of funding earning assets | 0.2050% | 5,779 |
| Net interest margin | 4.6196% | 588 |
| Noninterest income to average assets | 0.9907% | 1,249 |
| Noninterest expense to average assets | 3.0457% | 2,653 |
| Loan and lease loss provision to assets | 0.3100% | 618 |
| Net operating income to assets | 1.1884% | 1,714 |
| Return on assets (ROA) | 1.1884% | 1,792 |
| Pretax return on assets | 1.8883% | 737 |
| Return on Equity (ROE) | 11.4562% | 1,643 |
| Retained earnings to average equity (ytd only) | 7.7171% | 1,486 |
| Net charge-offs to loans | 0.8735% | 378 |
| Credit loss provision to net charge-offs | 45.0450% | 3,197 |
| Earnings coverage of net charge-offs (x) | 3.1942% | 3,706 |
| Efficiency ratio | 58.0793% | 5,433 |
| Assets per employee ($millions) | 4.2924% | 3,307 |
| Cash dividends to net income (ytd only)* | 32.6378% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3209% | 806 |
| Loan loss allowance to noncurrent loans | 643.4629% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,062 |
| Noncurrent loans to loans | 0.3607% | 4,826 |
| Net loans and leases to total assets | 81.1596% | 588 |
| Net loans and leases to deposits | 93.2123% | 1,104 |
| Net loans and leases to core deposits | 106.3919% | 933 |
| Total domestic deposits to total assets | 87.0696% | 2,281 |
| Equity capital to assets | 11.0439% | 2,908 |
| Core capital (leverage) ratio | 10.5591% | 2,969 |
| Tier 1 risk-based capital ratio | 12.2283% | 5,344 |
| Total risk-based capital ratio | 13.4891% | 5,258 |
| Memoranda: | ||
| Average total assets | $193,536,000 | 3,084 |
| Average earning assets | $178,192,500 | 3,092 |
| Average equity | $20,076,000 | 3,165 |
| Average total loans | $152,479,500 | 2,536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,231 |
| Cost of funding earning assets | 0.2059% | 5,866 |
| Net interest margin | 4.5205% | 678 |
| Noninterest income to average assets | 0.9278% | 1,401 |
| Noninterest expense to average assets | 2.9135% | 3,117 |
| Loan and lease loss provision to assets | 0.3075% | 634 |
| Net operating income to assets | 1.1800% | 1,654 |
| Return on assets (ROA) | 1.1800% | 1,727 |
| Pretax return on assets | 1.8709% | 727 |
| Return on Equity (ROE) | 11.6173% | 1,544 |
| Retained earnings to average equity (ytd only) | 8.8013% | 1,050 |
| Net charge-offs to loans | 1.1086% | 294 |
| Credit loss provision to net charge-offs | 35.8423% | 2,977 |
| Earnings coverage of net charge-offs (x) | 2.5388% | 3,526 |
| Efficiency ratio | 57.2176% | 5,636 |
| Assets per employee ($millions) | 4.4710% | 2,964 |
| Cash dividends to net income (ytd only)* | 24.2398% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4181% | 797 |
| Loan loss allowance to noncurrent loans | 197.9415% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 3,301 |
| Noncurrent loans to loans | 1.2216% | 2,792 |
| Net loans and leases to total assets | 71.6970% | 1,796 |
| Net loans and leases to deposits | 80.9838% | 2,386 |
| Net loans and leases to core deposits | 84.9862% | 2,618 |
| Total domestic deposits to total assets | 88.5324% | 1,618 |
| Equity capital to assets | 9.8849% | 4,261 |
| Core capital (leverage) ratio | 10.9339% | 2,489 |
| Tier 1 risk-based capital ratio | 11.8941% | 5,599 |
| Total risk-based capital ratio | 13.1551% | 5,516 |
| Memoranda: | ||
| Average total assets | $195,093,000 | 3,090 |
| Average earning assets | $179,715,330 | 3,085 |
| Average equity | $19,815,330 | 3,192 |
| Average total loans | $150,998,000 | 2,565 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 1,032 |
| Cost of funding earning assets | 0.2155% | 5,884 |
| Net interest margin | 4.5911% | 563 |
| Noninterest income to average assets | 0.7797% | 1,841 |
| Noninterest expense to average assets | 2.9967% | 2,864 |
| Loan and lease loss provision to assets | 0.3161% | 587 |
| Net operating income to assets | 1.0727% | 1,921 |
| Return on assets (ROA) | 1.0727% | 1,990 |
| Pretax return on assets | 1.6880% | 998 |
| Return on Equity (ROE) | 10.4101% | 1,907 |
| Retained earnings to average equity (ytd only) | 4.7040% | 3,291 |
| Net charge-offs to loans | 0.4929% | 747 |
| Credit loss provision to net charge-offs | 80.6452% | 1,895 |
| Earnings coverage of net charge-offs (x) | 5.1129% | 2,423 |
| Efficiency ratio | 59.9241% | 5,421 |
| Assets per employee ($millions) | 4.5033% | 2,972 |
| Cash dividends to net income (ytd only)* | 54.8134% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7430% | 591 |
| Loan loss allowance to noncurrent loans | 155.8515% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 2,457 |
| Noncurrent loans to loans | 1.7600% | 2,194 |
| Net loans and leases to total assets | 79.7904% | 572 |
| Net loans and leases to deposits | 90.9131% | 1,046 |
| Net loans and leases to core deposits | 95.9915% | 1,386 |
| Total domestic deposits to total assets | 87.7656% | 2,369 |
| Equity capital to assets | 10.6551% | 3,088 |
| Core capital (leverage) ratio | 10.1988% | 3,296 |
| Tier 1 risk-based capital ratio | 11.9362% | 5,680 |
| Total risk-based capital ratio | 13.1220% | 5,651 |
| Memoranda: | ||
| Average total assets | $189,806,000 | 3,170 |
| Average earning assets | $174,511,000 | 3,167 |
| Average equity | $19,558,000 | 3,219 |
| Average total loans | $150,941,500 | 2,566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 1,694 |
| Cost of funding earning assets | 0.4060% | 4,579 |
| Net interest margin | 4.2516% | 1,216 |
| Noninterest income to average assets | 1.1177% | 1,123 |
| Noninterest expense to average assets | 2.8798% | 3,431 |
| Loan and lease loss provision to assets | 0.3190% | 1,032 |
| Net operating income to assets | 1.1831% | 1,636 |
| Return on assets (ROA) | 1.1831% | 1,697 |
| Pretax return on assets | 1.8552% | 672 |
| Return on Equity (ROE) | 11.2428% | 1,690 |
| Retained earnings to average equity (ytd only) | 2.2284% | 4,661 |
| Net charge-offs to loans | 0.4494% | 1,473 |
| Credit loss provision to net charge-offs | 95.6938% | 2,614 |
| Earnings coverage of net charge-offs (x) | 6.5215% | 3,047 |
| Efficiency ratio | 56.9805% | 5,854 |
| Assets per employee ($millions) | 4.6423% | 2,667 |
| Cash dividends to net income (ytd only)* | 80.1798% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7864% | 611 |
| Loan loss allowance to noncurrent loans | 128.1260% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.8397% | 1,987 |
| Noncurrent loans to loans | 2.1748% | 1,802 |
| Net loans and leases to total assets | 74.9914% | 1,225 |
| Net loans and leases to deposits | 84.6584% | 1,845 |
| Net loans and leases to core deposits | 87.3761% | 2,304 |
| Total domestic deposits to total assets | 88.5812% | 1,867 |
| Equity capital to assets | 9.9719% | 3,808 |
| Core capital (leverage) ratio | 10.5676% | 2,827 |
| Tier 1 risk-based capital ratio | 11.9191% | 5,660 |
| Total risk-based capital ratio | 13.1163% | 5,635 |
| Memoranda: | ||
| Average total assets | $188,068,800 | 3,183 |
| Average earning assets | $174,123,200 | 3,165 |
| Average equity | $19,790,400 | 3,177 |
| Average total loans | $139,519,600 | 2,708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,795 |
| Cost of funding earning assets | 0.4619% | 4,152 |
| Net interest margin | 4.1696% | 1,423 |
| Noninterest income to average assets | 1.1971% | 1,024 |
| Noninterest expense to average assets | 2.9286% | 3,216 |
| Loan and lease loss provision to assets | 0.3220% | 1,038 |
| Net operating income to assets | 1.1548% | 1,789 |
| Return on assets (ROA) | 1.1548% | 1,866 |
| Pretax return on assets | 1.8088% | 886 |
| Return on Equity (ROE) | 10.8262% | 1,880 |
| Retained earnings to average equity (ytd only) | -1.1403% | 6,155 |
| Net charge-offs to loans | 0.4883% | 1,317 |
| Credit loss provision to net charge-offs | 89.8204% | 2,644 |
| Earnings coverage of net charge-offs (x) | 5.9441% | 3,067 |
| Efficiency ratio | 57.8843% | 5,705 |
| Assets per employee ($millions) | 4.6125% | 2,699 |
| Cash dividends to net income (ytd only)* | 110.5328% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8678% | 636 |
| Loan loss allowance to noncurrent loans | 128.2943% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 2,154 |
| Noncurrent loans to loans | 2.2353% | 1,973 |
| Net loans and leases to total assets | 76.4965% | 937 |
| Net loans and leases to deposits | 86.8674% | 1,509 |
| Net loans and leases to core deposits | 92.9774% | 1,675 |
| Total domestic deposits to total assets | 88.0612% | 2,096 |
| Equity capital to assets | 10.5870% | 3,177 |
| Core capital (leverage) ratio | 10.7062% | 2,783 |
| Tier 1 risk-based capital ratio | 12.5000% | 5,457 |
| Total risk-based capital ratio | 13.7683% | 5,391 |
| Memoranda: | ||
| Average total assets | $186,341,750 | 3,236 |
| Average earning assets | $172,609,000 | 3,209 |
| Average equity | $19,877,250 | 3,202 |
| Average total loans | $136,797,750 | 2,762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 2,080 |
| Cost of funding earning assets | 0.5232% | 3,673 |
| Net interest margin | 4.0084% | 1,829 |
| Noninterest income to average assets | 1.2613% | 974 |
| Noninterest expense to average assets | 3.0029% | 2,991 |
| Loan and lease loss provision to assets | 0.3209% | 1,088 |
| Net operating income to assets | 1.0676% | 2,044 |
| Return on assets (ROA) | 1.0676% | 2,161 |
| Pretax return on assets | 1.6581% | 1,219 |
| Return on Equity (ROE) | 9.9840% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.2225% | 2,311 |
| Net charge-offs to loans | 0.7017% | 932 |
| Credit loss provision to net charge-offs | 63.8298% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.9362% | 3,261 |
| Efficiency ratio | 60.2749% | 5,444 |
| Assets per employee ($millions) | 4.8853% | 2,250 |
| Cash dividends to net income (ytd only)* | 37.6754% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9610% | 607 |
| Loan loss allowance to noncurrent loans | 131.9857% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 2,522 |
| Noncurrent loans to loans | 2.2434% | 2,124 |
| Net loans and leases to total assets | 67.8884% | 2,264 |
| Net loans and leases to deposits | 76.8632% | 2,745 |
| Net loans and leases to core deposits | 79.9713% | 3,029 |
| Total domestic deposits to total assets | 88.3236% | 2,025 |
| Equity capital to assets | 10.4037% | 3,422 |
| Core capital (leverage) ratio | 11.5597% | 1,888 |
| Tier 1 risk-based capital ratio | 13.3960% | 4,839 |
| Total risk-based capital ratio | 14.6613% | 4,786 |
| Memoranda: | ||
| Average total assets | $186,955,670 | 3,245 |
| Average earning assets | $173,537,670 | 3,204 |
| Average equity | $19,992,000 | 3,208 |
| Average total loans | $133,962,670 | 2,806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,737 |
| Cost of funding earning assets | 0.6024% | 3,085 |
| Net interest margin | 4.0302% | 1,678 |
| Noninterest income to average assets | 1.1711% | 1,094 |
| Noninterest expense to average assets | 3.1150% | 2,626 |
| Loan and lease loss provision to assets | 0.3284% | 1,026 |
| Net operating income to assets | 0.9544% | 2,424 |
| Return on assets (ROA) | 0.9544% | 2,560 |
| Pretax return on assets | 1.4623% | 1,674 |
| Return on Equity (ROE) | 8.7979% | 2,579 |
| Retained earnings to average equity (ytd only) | 7.4459% | 1,967 |
| Net charge-offs to loans | 1.3998% | 392 |
| Credit loss provision to net charge-offs | 32.3276% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.7629% | 3,248 |
| Efficiency ratio | 63.4984% | 5,083 |
| Assets per employee ($millions) | 4.2786% | 3,378 |
| Cash dividends to net income (ytd only)* | 15.3670% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9804% | 671 |
| Loan loss allowance to noncurrent loans | 121.5821% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 2.0895% | 2,245 |
| Noncurrent loans to loans | 2.4514% | 2,101 |
| Net loans and leases to total assets | 74.2556% | 1,041 |
| Net loans and leases to deposits | 85.5669% | 1,411 |
| Net loans and leases to core deposits | 89.6106% | 1,737 |
| Total domestic deposits to total assets | 86.7807% | 3,083 |
| Equity capital to assets | 11.7883% | 2,185 |
| Core capital (leverage) ratio | 10.8054% | 2,452 |
| Tier 1 risk-based capital ratio | 13.9653% | 4,531 |
| Total risk-based capital ratio | 15.1593% | 4,532 |
| Memoranda: | ||
| Average total assets | $182,727,500 | 3,315 |
| Average earning assets | $169,320,000 | 3,288 |
| Average equity | $19,823,000 | 3,260 |
| Average total loans | $132,589,000 | 2,854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 2,034 |
| Cost of funding earning assets | 0.6810% | 3,644 |
| Net interest margin | 4.1651% | 1,758 |
| Noninterest income to average assets | 1.2099% | 1,076 |
| Noninterest expense to average assets | 3.1937% | 2,635 |
| Loan and lease loss provision to assets | 0.5030% | 1,181 |
| Net operating income to assets | 0.8971% | 2,832 |
| Return on assets (ROA) | 0.8967% | 3,072 |
| Pretax return on assets | 1.3540% | 2,192 |
| Return on Equity (ROE) | 8.7715% | 2,752 |
| Retained earnings to average equity (ytd only) | 7.3512% | 1,398 |
| Net charge-offs to loans | 0.5692% | 2,018 |
| Credit loss provision to net charge-offs | 122.8420% | 2,320 |
| Earnings coverage of net charge-offs (x) | 4.5365% | 3,336 |
| Efficiency ratio | 63.2253% | 5,032 |
| Assets per employee ($millions) | 4.9823% | 2,250 |
| Cash dividends to net income (ytd only)* | 16.1916% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1433% | 581 |
| Loan loss allowance to noncurrent loans | 114.5573% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 2.1728% | 2,262 |
| Noncurrent loans to loans | 2.7439% | 1,930 |
| Net loans and leases to total assets | 66.8886% | 2,385 |
| Net loans and leases to deposits | 76.0782% | 2,793 |
| Net loans and leases to core deposits | 80.0010% | 2,999 |
| Total domestic deposits to total assets | 87.9209% | 2,287 |
| Equity capital to assets | 10.0205% | 4,140 |
| Core capital (leverage) ratio | 10.6505% | 2,596 |
| Tier 1 risk-based capital ratio | 12.7702% | 5,276 |
| Total risk-based capital ratio | 14.0400% | 5,196 |
| Memoranda: | ||
| Average total assets | $183,892,800 | 3,258 |
| Average earning assets | $169,598,200 | 3,234 |
| Average equity | $18,799,600 | 3,360 |
| Average total loans | $132,279,800 | 2,837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 1,951 |
| Cost of funding earning assets | 0.7032% | 3,741 |
| Net interest margin | 4.2122% | 1,700 |
| Noninterest income to average assets | 1.2731% | 911 |
| Noninterest expense to average assets | 3.3132% | 2,232 |
| Loan and lease loss provision to assets | 0.5148% | 1,180 |
| Net operating income to assets | 0.8826% | 3,064 |
| Return on assets (ROA) | 0.8826% | 3,306 |
| Pretax return on assets | 1.3216% | 2,520 |
| Return on Equity (ROE) | 8.5873% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.1489% | 2,032 |
| Net charge-offs to loans | 0.2832% | 3,026 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 8.9180% | 2,380 |
| Efficiency ratio | 64.3388% | 4,750 |
| Assets per employee ($millions) | 4.4771% | 2,953 |
| Cash dividends to net income (ytd only)* | 16.7498% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2842% | 558 |
| Loan loss allowance to noncurrent loans | 104.6392% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 2.7215% | 1,941 |
| Noncurrent loans to loans | 3.1386% | 1,768 |
| Net loans and leases to total assets | 75.3217% | 1,074 |
| Net loans and leases to deposits | 86.0691% | 1,593 |
| Net loans and leases to core deposits | 94.4792% | 1,534 |
| Total domestic deposits to total assets | 87.5131% | 2,339 |
| Equity capital to assets | 10.9623% | 3,314 |
| Core capital (leverage) ratio | 10.2327% | 3,251 |
| Tier 1 risk-based capital ratio | 12.6788% | 5,496 |
| Total risk-based capital ratio | 13.9511% | 5,447 |
| Memoranda: | ||
| Average total assets | $181,288,250 | 3,326 |
| Average earning assets | $166,845,250 | 3,310 |
| Average equity | $18,631,750 | 3,417 |
| Average total loans | $131,802,250 | 2,880 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 2,544 |
| Cost of funding earning assets | 0.7037% | 3,987 |
| Net interest margin | 4.0860% | 2,147 |
| Noninterest income to average assets | 1.1421% | 1,091 |
| Noninterest expense to average assets | 3.2651% | 2,399 |
| Loan and lease loss provision to assets | 0.5177% | 1,214 |
| Net operating income to assets | 0.7629% | 3,542 |
| Return on assets (ROA) | 0.7629% | 3,806 |
| Pretax return on assets | 1.1247% | 3,211 |
| Return on Equity (ROE) | 7.5831% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.1315% | 2,627 |
| Net charge-offs to loans | 0.1702% | 3,582 |
| Credit loss provision to net charge-offs | 427.9279% | 693 |
| Earnings coverage of net charge-offs (x) | 13.5766% | 1,785 |
| Efficiency ratio | 66.5334% | 4,422 |
| Assets per employee ($millions) | 5.3033% | 1,815 |
| Cash dividends to net income (ytd only)* | 19.1429% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2945% | 597 |
| Loan loss allowance to noncurrent loans | 86.9822% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 1,943 |
| Noncurrent loans to loans | 3.7875% | 1,483 |
| Net loans and leases to total assets | 65.9720% | 2,674 |
| Net loans and leases to deposits | 74.1024% | 3,278 |
| Net loans and leases to core deposits | 80.3539% | 3,167 |
| Total domestic deposits to total assets | 89.0282% | 1,485 |
| Equity capital to assets | 9.5296% | 5,021 |
| Core capital (leverage) ratio | 10.2680% | 3,079 |
| Tier 1 risk-based capital ratio | 12.0750% | 5,877 |
| Total risk-based capital ratio | 13.3458% | 5,846 |
| Memoranda: | ||
| Average total assets | $183,515,330 | 3,303 |
| Average earning assets | $169,113,330 | 3,282 |
| Average equity | $18,462,000 | 3,432 |
| Average total loans | $130,408,670 | 2,922 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 2,066 |
| Cost of funding earning assets | 0.7528% | 3,840 |
| Net interest margin | 4.1970% | 1,765 |
| Noninterest income to average assets | 1.1537% | 1,067 |
| Noninterest expense to average assets | 3.3077% | 2,260 |
| Loan and lease loss provision to assets | 0.5080% | 1,191 |
| Net operating income to assets | 0.8060% | 3,350 |
| Return on assets (ROA) | 0.8060% | 3,593 |
| Pretax return on assets | 1.1899% | 2,949 |
| Return on Equity (ROE) | 7.7848% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.3238% | 2,784 |
| Net charge-offs to loans | 0.2083% | 2,877 |
| Credit loss provision to net charge-offs | 335.8209% | 893 |
| Earnings coverage of net charge-offs (x) | 11.2239% | 1,686 |
| Efficiency ratio | 66.0803% | 4,542 |
| Assets per employee ($millions) | 4.6061% | 2,796 |
| Cash dividends to net income (ytd only)* | 18.7675% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2319% | 658 |
| Loan loss allowance to noncurrent loans | 117.3318% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 2.5647% | 2,303 |
| Noncurrent loans to loans | 2.7545% | 2,360 |
| Net loans and leases to total assets | 73.8574% | 1,091 |
| Net loans and leases to deposits | 84.3811% | 1,616 |
| Net loans and leases to core deposits | 94.4354% | 1,425 |
| Total domestic deposits to total assets | 87.5284% | 2,636 |
| Equity capital to assets | 10.8369% | 3,098 |
| Core capital (leverage) ratio | 10.2465% | 3,054 |
| Tier 1 risk-based capital ratio | 12.6799% | 5,465 |
| Total risk-based capital ratio | 13.9538% | 5,400 |
| Memoranda: | ||
| Average total assets | $177,162,500 | 3,419 |
| Average earning assets | $162,593,000 | 3,399 |
| Average equity | $18,343,500 | 3,446 |
| Average total loans | $128,682,500 | 2,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 3,399 |
| Cost of funding earning assets | 0.8657% | 4,352 |
| Net interest margin | 4.0262% | 2,754 |
| Noninterest income to average assets | 1.0163% | 1,322 |
| Noninterest expense to average assets | 2.8862% | 4,016 |
| Loan and lease loss provision to assets | 1.8139% | 363 |
| Net operating income to assets | 0.0825% | 5,900 |
| Return on assets (ROA) | 0.0825% | 6,017 |
| Pretax return on assets | 0.0078% | 6,117 |
| Return on Equity (ROE) | 0.7979% | 6,002 |
| Retained earnings to average equity (ytd only) | -0.6319% | 5,951 |
| Net charge-offs to loans | 2.2924% | 547 |
| Credit loss provision to net charge-offs | 111.0546% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.1153% | 4,950 |
| Efficiency ratio | 61.3059% | 5,563 |
| Assets per employee ($millions) | 4.9702% | 2,242 |
| Cash dividends to net income (ytd only)* | 179.1946% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1786% | 695 |
| Loan loss allowance to noncurrent loans | 109.6180% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 2.4383% | 2,500 |
| Noncurrent loans to loans | 2.8997% | 2,253 |
| Net loans and leases to total assets | 67.0165% | 2,584 |
| Net loans and leases to deposits | 75.5729% | 3,245 |
| Net loans and leases to core deposits | 86.0827% | 2,622 |
| Total domestic deposits to total assets | 88.6780% | 1,734 |
| Equity capital to assets | 9.9066% | 4,296 |
| Core capital (leverage) ratio | 10.2438% | 3,037 |
| Tier 1 risk-based capital ratio | 12.4659% | 5,480 |
| Total risk-based capital ratio | 13.7361% | 5,446 |
| Memoranda: | ||
| Average total assets | $180,549,400 | 3,325 |
| Average earning assets | $165,538,800 | 3,315 |
| Average equity | $18,673,800 | 3,329 |
| Average total loans | $128,641,000 | 3,003 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 3,510 |
| Cost of funding earning assets | 0.8957% | 4,432 |
| Net interest margin | 4.0137% | 2,855 |
| Noninterest income to average assets | 0.9712% | 1,415 |
| Noninterest expense to average assets | 3.0611% | 3,315 |
| Loan and lease loss provision to assets | 0.6677% | 1,448 |
| Net operating income to assets | 0.6417% | 3,912 |
| Return on assets (ROA) | 0.6417% | 4,092 |
| Pretax return on assets | 0.9192% | 3,687 |
| Return on Equity (ROE) | 6.1386% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.7122% | 3,370 |
| Net charge-offs to loans | 0.1303% | 4,746 |
| Credit loss provision to net charge-offs | 714.2857% | 377 |
| Earnings coverage of net charge-offs (x) | 16.9758% | 1,371 |
| Efficiency ratio | 65.8579% | 4,745 |
| Assets per employee ($millions) | 4.5814% | 2,789 |
| Cash dividends to net income (ytd only)* | 23.2368% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4660% | 583 |
| Loan loss allowance to noncurrent loans | 97.3992% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 3.2417% | 1,966 |
| Noncurrent loans to loans | 3.5585% | 1,931 |
| Net loans and leases to total assets | 73.8396% | 1,347 |
| Net loans and leases to deposits | 84.7854% | 1,879 |
| Net loans and leases to core deposits | 94.6414% | 1,730 |
| Total domestic deposits to total assets | 87.0900% | 2,599 |
| Equity capital to assets | 11.2446% | 2,917 |
| Core capital (leverage) ratio | 10.7049% | 2,658 |
| Tier 1 risk-based capital ratio | 13.2672% | 4,902 |
| Total risk-based capital ratio | 14.5417% | 4,857 |
| Memoranda: | ||
| Average total assets | $179,712,250 | 3,350 |
| Average earning assets | $164,633,250 | 3,343 |
| Average equity | $18,787,750 | 3,313 |
| Average total loans | $128,979,250 | 3,030 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 4,137 |
| Cost of funding earning assets | 0.9157% | 4,546 |
| Net interest margin | 3.8736% | 3,420 |
| Noninterest income to average assets | 1.0180% | 1,279 |
| Noninterest expense to average assets | 2.9108% | 3,983 |
| Loan and lease loss provision to assets | 0.6553% | 1,467 |
| Net operating income to assets | 0.6903% | 3,591 |
| Return on assets (ROA) | 0.6903% | 3,709 |
| Pretax return on assets | 1.0005% | 3,241 |
| Return on Equity (ROE) | 6.7606% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.3272% | 2,792 |
| Net charge-offs to loans | 0.0854% | 4,789 |
| Credit loss provision to net charge-offs | 1,090.9091% | 308 |
| Earnings coverage of net charge-offs (x) | 27.5636% | 987 |
| Efficiency ratio | 63.7407% | 5,287 |
| Assets per employee ($millions) | 5.1718% | 1,908 |
| Cash dividends to net income (ytd only)* | 21.2025% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3226% | 692 |
| Loan loss allowance to noncurrent loans | 70.4260% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 3.9025% | 1,657 |
| Noncurrent loans to loans | 4.7179% | 1,394 |
| Net loans and leases to total assets | 66.6522% | 2,898 |
| Net loans and leases to deposits | 75.9654% | 3,483 |
| Net loans and leases to core deposits | 86.6121% | 2,805 |
| Total domestic deposits to total assets | 87.7402% | 2,319 |
| Equity capital to assets | 10.1517% | 3,945 |
| Core capital (leverage) ratio | 10.6154% | 2,605 |
| Tier 1 risk-based capital ratio | 12.7452% | 5,134 |
| Total risk-based capital ratio | 14.0167% | 5,086 |
| Memoranda: | ||
| Average total assets | $183,112,330 | 3,329 |
| Average earning assets | $167,749,000 | 3,315 |
| Average equity | $18,696,670 | 3,306 |
| Average total loans | $128,752,000 | 3,062 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 3,657 |
| Cost of funding earning assets | 0.9554% | 4,529 |
| Net interest margin | 3.9306% | 2,997 |
| Noninterest income to average assets | 1.1940% | 901 |
| Noninterest expense to average assets | 2.9123% | 4,012 |
| Loan and lease loss provision to assets | 0.6609% | 1,294 |
| Net operating income to assets | 0.8151% | 2,953 |
| Return on assets (ROA) | 0.8151% | 3,012 |
| Pretax return on assets | 1.2006% | 2,363 |
| Return on Equity (ROE) | 7.9593% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.5181% | 2,365 |
| Net charge-offs to loans | 0.1675% | 3,472 |
| Credit loss provision to net charge-offs | 555.5556% | 665 |
| Earnings coverage of net charge-offs (x) | 15.6481% | 1,307 |
| Efficiency ratio | 61.0060% | 5,833 |
| Assets per employee ($millions) | 4.9450% | 2,241 |
| Cash dividends to net income (ytd only)* | 18.1081% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1350% | 815 |
| Loan loss allowance to noncurrent loans | 102.9587% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 2.8750% | 2,399 |
| Noncurrent loans to loans | 3.0449% | 2,469 |
| Net loans and leases to total assets | 68.8535% | 2,365 |
| Net loans and leases to deposits | 78.8195% | 2,925 |
| Net loans and leases to core deposits | 104.3361% | 1,042 |
| Total domestic deposits to total assets | 87.3559% | 2,733 |
| Equity capital to assets | 10.5129% | 3,163 |
| Core capital (leverage) ratio | 9.8771% | 3,303 |
| Tier 1 risk-based capital ratio | 12.7548% | 5,011 |
| Total risk-based capital ratio | 14.0240% | 4,973 |
| Memoranda: | ||
| Average total assets | $181,575,500 | 3,369 |
| Average earning assets | $165,370,500 | 3,371 |
| Average equity | $18,594,500 | 3,310 |
| Average total loans | $128,947,000 | 3,085 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 3,748 |
| Cost of funding earning assets | 1.1539% | 4,829 |
| Net interest margin | 4.0168% | 2,946 |
| Noninterest income to average assets | 0.6999% | 2,841 |
| Noninterest expense to average assets | 2.8528% | 4,397 |
| Loan and lease loss provision to assets | 1.0210% | 1,587 |
| Net operating income to assets | 0.3919% | 4,580 |
| Return on assets (ROA) | 0.3919% | 4,725 |
| Pretax return on assets | 0.5126% | 4,577 |
| Return on Equity (ROE) | 4.1254% | 4,468 |
| Retained earnings to average equity (ytd only) | 3.7583% | 3,235 |
| Net charge-offs to loans | 0.9338% | 2,315 |
| Credit loss provision to net charge-offs | 150.6912% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.2634% | 4,029 |
| Efficiency ratio | 65.0374% | 5,156 |
| Assets per employee ($millions) | 5.0035% | 2,151 |
| Cash dividends to net income (ytd only)* | 8.8977% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8320% | 1,017 |
| Loan loss allowance to noncurrent loans | 104.9958% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 2.7413% | 2,547 |
| Noncurrent loans to loans | 2.6973% | 2,824 |
| Net loans and leases to total assets | 68.9425% | 2,761 |
| Net loans and leases to deposits | 78.6127% | 3,409 |
| Net loans and leases to core deposits | 94.6201% | 2,182 |
| Total domestic deposits to total assets | 87.6990% | 2,420 |
| Equity capital to assets | 9.9789% | 3,766 |
| Core capital (leverage) ratio | 9.4680% | 3,742 |
| Tier 1 risk-based capital ratio | 12.1910% | 5,302 |
| Total risk-based capital ratio | 13.4153% | 5,300 |
| Memoranda: | ||
| Average total assets | $192,162,200 | 3,200 |
| Average earning assets | $176,360,200 | 3,163 |
| Average equity | $18,252,800 | 3,387 |
| Average total loans | $139,427,600 | 2,960 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 4,039 |
| Cost of funding earning assets | 1.1853% | 4,944 |
| Net interest margin | 3.9726% | 3,226 |
| Noninterest income to average assets | 0.6071% | 3,390 |
| Noninterest expense to average assets | 2.7516% | 4,679 |
| Loan and lease loss provision to assets | 0.9970% | 1,492 |
| Net operating income to assets | 0.3974% | 4,760 |
| Return on assets (ROA) | 0.3974% | 4,940 |
| Pretax return on assets | 0.5225% | 4,850 |
| Return on Equity (ROE) | 4.2349% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.2349% | 3,508 |
| Net charge-offs to loans | 0.7381% | 2,577 |
| Credit loss provision to net charge-offs | 185.1852% | 1,953 |
| Earnings coverage of net charge-offs (x) | 2.8225% | 3,723 |
| Efficiency ratio | 64.4237% | 5,169 |
| Assets per employee ($millions) | 4.9506% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7466% | 1,040 |
| Loan loss allowance to noncurrent loans | 106.6076% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 3.1045% | 2,329 |
| Noncurrent loans to loans | 2.5764% | 3,053 |
| Net loans and leases to total assets | 74.0466% | 1,793 |
| Net loans and leases to deposits | 85.8077% | 2,387 |
| Net loans and leases to core deposits | 103.8203% | 1,501 |
| Total domestic deposits to total assets | 86.2936% | 2,923 |
| Equity capital to assets | 10.3797% | 3,667 |
| Core capital (leverage) ratio | 9.8626% | 3,411 |
| Tier 1 risk-based capital ratio | 12.0527% | 5,413 |
| Total risk-based capital ratio | 13.3179% | 5,372 |
| Memoranda: | ||
| Average total assets | $193,920,000 | 3,221 |
| Average earning assets | $178,852,000 | 3,177 |
| Average equity | $18,197,500 | 3,441 |
| Average total loans | $141,446,000 | 2,954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,577 |
| Cost of funding earning assets | 1.2166% | 5,038 |
| Net interest margin | 3.8605% | 3,634 |
| Noninterest income to average assets | 0.5323% | 3,854 |
| Noninterest expense to average assets | 2.6904% | 4,947 |
| Loan and lease loss provision to assets | 1.0043% | 1,450 |
| Net operating income to assets | 0.3244% | 5,094 |
| Return on assets (ROA) | 0.3244% | 5,255 |
| Pretax return on assets | 0.4067% | 5,202 |
| Return on Equity (ROE) | 3.5697% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.5697% | 3,832 |
| Net charge-offs to loans | 0.9807% | 1,887 |
| Credit loss provision to net charge-offs | 142.2475% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.9986% | 4,026 |
| Efficiency ratio | 65.5975% | 5,050 |
| Assets per employee ($millions) | 5.1033% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 1,364 |
| Loan loss allowance to noncurrent loans | 92.0252% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 2.5901% | 2,802 |
| Noncurrent loans to loans | 2.6658% | 2,974 |
| Net loans and leases to total assets | 68.8522% | 3,157 |
| Net loans and leases to deposits | 79.1702% | 3,761 |
| Net loans and leases to core deposits | 114.5078% | 897 |
| Total domestic deposits to total assets | 86.9673% | 2,545 |
| Equity capital to assets | 9.4087% | 4,853 |
| Core capital (leverage) ratio | 8.6489% | 5,159 |
| Tier 1 risk-based capital ratio | 11.5970% | 5,676 |
| Total risk-based capital ratio | 12.7721% | 5,723 |
| Memoranda: | ||
| Average total assets | $199,152,330 | 3,176 |
| Average earning assets | $184,121,670 | 3,143 |
| Average equity | $18,097,000 | 3,452 |
| Average total loans | $143,363,000 | 2,949 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 4,411 |
| Cost of funding earning assets | 1.2195% | 5,287 |
| Net interest margin | 3.9075% | 3,292 |
| Noninterest income to average assets | 0.5373% | 3,755 |
| Noninterest expense to average assets | 2.6347% | 5,209 |
| Loan and lease loss provision to assets | 1.0904% | 1,126 |
| Net operating income to assets | 0.3251% | 5,190 |
| Return on assets (ROA) | 0.3251% | 5,319 |
| Pretax return on assets | 0.4203% | 5,227 |
| Return on Equity (ROE) | 3.6399% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.6399% | 3,967 |
| Net charge-offs to loans | 0.0437% | 4,984 |
| Credit loss provision to net charge-offs | 3,437.5000% | 139 |
| Earnings coverage of net charge-offs (x) | 47.6250% | 594 |
| Efficiency ratio | 63.5581% | 5,575 |
| Assets per employee ($millions) | 5.5650% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4873% | 1,311 |
| Loan loss allowance to noncurrent loans | 101.4968% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5776% | 2,830 |
| Noncurrent loans to loans | 2.4506% | 3,226 |
| Net loans and leases to total assets | 70.3318% | 2,852 |
| Net loans and leases to deposits | 79.4365% | 3,755 |
| Net loans and leases to core deposits | 130.8209% | 471 |
| Total domestic deposits to total assets | 88.5384% | 1,768 |
| Equity capital to assets | 9.0517% | 5,204 |
| Core capital (leverage) ratio | 9.0771% | 4,423 |
| Tier 1 risk-based capital ratio | 10.8763% | 6,267 |
| Total risk-based capital ratio | 12.1386% | 6,235 |
| Memoranda: | ||
| Average total assets | $201,765,000 | 3,196 |
| Average earning assets | $186,307,000 | 3,172 |
| Average equity | $18,022,500 | 3,475 |
| Average total loans | $146,604,000 | 2,953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 4,328 |
| Cost of funding earning assets | 1.6181% | 4,947 |
| Net interest margin | 3.8518% | 3,479 |
| Noninterest income to average assets | 0.6951% | 3,013 |
| Noninterest expense to average assets | 2.7457% | 5,176 |
| Loan and lease loss provision to assets | 1.5055% | 1,527 |
| Net operating income to assets | 0.1029% | 5,208 |
| Return on assets (ROA) | 0.1029% | 5,253 |
| Pretax return on assets | 0.0070% | 5,426 |
| Return on Equity (ROE) | 1.1405% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.2161% | 4,785 |
| Net charge-offs to loans | 1.5794% | 1,595 |
| Credit loss provision to net charge-offs | 126.3517% | 4,125 |
| Earnings coverage of net charge-offs (x) | 1.2694% | 4,859 |
| Efficiency ratio | 64.4800% | 5,680 |
| Assets per employee ($millions) | 5.3471% | 1,791 |
| Cash dividends to net income (ytd only)* | 81.0526% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 1,898 |
| Loan loss allowance to noncurrent loans | 77.8032% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 2.6925% | 2,603 |
| Noncurrent loans to loans | 2.6447% | 2,906 |
| Net loans and leases to total assets | 71.6823% | 2,839 |
| Net loans and leases to deposits | 81.1866% | 3,766 |
| Net loans and leases to core deposits | 114.0481% | 2,490 |
| Total domestic deposits to total assets | 88.2933% | 1,825 |
| Equity capital to assets | 8.8149% | 5,408 |
| Core capital (leverage) ratio | 8.9172% | 4,566 |
| Tier 1 risk-based capital ratio | 10.5408% | 6,353 |
| Total risk-based capital ratio | 11.7982% | 6,326 |
| Memoranda: | ||
| Average total assets | $184,724,600 | 3,355 |
| Average earning assets | $170,881,800 | 3,334 |
| Average equity | $16,659,000 | 3,743 |
| Average total loans | $139,354,600 | 3,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 3,969 |
| Cost of funding earning assets | 1.7421% | 4,684 |
| Net interest margin | 3.8387% | 3,487 |
| Noninterest income to average assets | 0.6692% | 3,222 |
| Noninterest expense to average assets | 2.8937% | 4,479 |
| Loan and lease loss provision to assets | 0.7640% | 2,460 |
| Net operating income to assets | 0.4234% | 4,306 |
| Return on assets (ROA) | 0.4234% | 4,410 |
| Pretax return on assets | 0.5626% | 4,323 |
| Return on Equity (ROE) | 4.6657% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.4095% | 3,392 |
| Net charge-offs to loans | 0.1518% | 5,195 |
| Credit loss provision to net charge-offs | 661.5385% | 565 |
| Earnings coverage of net charge-offs (x) | 11.4874% | 1,849 |
| Efficiency ratio | 68.5669% | 4,868 |
| Assets per employee ($millions) | 5.1767% | 1,926 |
| Cash dividends to net income (ytd only)* | 26.9232% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3370% | 1,255 |
| Loan loss allowance to noncurrent loans | 77.3272% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 2.9859% | 2,321 |
| Noncurrent loans to loans | 3.0223% | 2,503 |
| Net loans and leases to total assets | 77.4052% | 1,696 |
| Net loans and leases to deposits | 88.4704% | 2,872 |
| Net loans and leases to core deposits | 137.2099% | 1,046 |
| Total domestic deposits to total assets | 87.4928% | 1,894 |
| Equity capital to assets | 9.2233% | 5,130 |
| Core capital (leverage) ratio | 8.7242% | 5,092 |
| Tier 1 risk-based capital ratio | 10.2846% | 6,700 |
| Total risk-based capital ratio | 11.5458% | 6,634 |
| Memoranda: | ||
| Average total assets | $180,108,000 | 3,466 |
| Average earning assets | $166,614,750 | 3,434 |
| Average equity | $16,346,000 | 3,844 |
| Average total loans | $137,015,250 | 3,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 4,651 |
| Cost of funding earning assets | 1.8391% | 4,557 |
| Net interest margin | 3.6579% | 4,130 |
| Noninterest income to average assets | 0.6364% | 3,433 |
| Noninterest expense to average assets | 2.7294% | 5,259 |
| Loan and lease loss provision to assets | 0.4529% | 3,272 |
| Net operating income to assets | 0.5986% | 3,680 |
| Return on assets (ROA) | 0.5986% | 3,788 |
| Pretax return on assets | 0.8512% | 3,505 |
| Return on Equity (ROE) | 6.6320% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.7336% | 2,669 |
| Net charge-offs to loans | 0.2359% | 4,020 |
| Credit loss provision to net charge-offs | 255.9748% | 1,819 |
| Earnings coverage of net charge-offs (x) | 7.3711% | 2,449 |
| Efficiency ratio | 67.6690% | 5,218 |
| Assets per employee ($millions) | 5.0877% | 1,983 |
| Cash dividends to net income (ytd only)* | 28.6245% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 1,548 |
| Loan loss allowance to noncurrent loans | 90.6011% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 2,674 |
| Noncurrent loans to loans | 2.2175% | 3,239 |
| Net loans and leases to total assets | 74.7219% | 2,512 |
| Net loans and leases to deposits | 86.3520% | 3,486 |
| Net loans and leases to core deposits | 126.4065% | 1,830 |
| Total domestic deposits to total assets | 86.5318% | 2,495 |
| Equity capital to assets | 9.2429% | 4,946 |
| Core capital (leverage) ratio | 8.7007% | 5,088 |
| Tier 1 risk-based capital ratio | 10.6079% | 6,278 |
| Total risk-based capital ratio | 11.8312% | 6,250 |
| Memoranda: | ||
| Average total assets | $179,749,670 | 3,486 |
| Average earning assets | $166,927,670 | 3,443 |
| Average equity | $16,224,330 | 3,880 |
| Average total loans | $134,820,000 | 3,252 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 4,944 |
| Cost of funding earning assets | 1.9101% | 4,577 |
| Net interest margin | 3.5841% | 4,388 |
| Noninterest income to average assets | 0.5515% | 3,907 |
| Noninterest expense to average assets | 2.6956% | 5,024 |
| Loan and lease loss provision to assets | 0.3455% | 3,250 |
| Net operating income to assets | 0.5936% | 4,042 |
| Return on assets (ROA) | 0.5936% | 4,239 |
| Pretax return on assets | 0.8395% | 3,934 |
| Return on Equity (ROE) | 6.6555% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.8311% | 4,301 |
| Net charge-offs to loans | 0.0596% | 4,634 |
| Credit loss provision to net charge-offs | 780.0000% | 763 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,166 |
| Efficiency ratio | 69.4635% | 4,688 |
| Assets per employee ($millions) | 5.3966% | 1,645 |
| Cash dividends to net income (ytd only)* | 57.4627% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 1,506 |
| Loan loss allowance to noncurrent loans | 91.7573% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1995% | 2,598 |
| Noncurrent loans to loans | 2.1331% | 3,074 |
| Net loans and leases to total assets | 73.5831% | 2,872 |
| Net loans and leases to deposits | 84.8300% | 3,849 |
| Net loans and leases to core deposits | 133.9733% | 1,415 |
| Total domestic deposits to total assets | 86.7419% | 2,338 |
| Equity capital to assets | 9.1438% | 5,159 |
| Core capital (leverage) ratio | 8.8093% | 4,968 |
| Tier 1 risk-based capital ratio | 10.6743% | 6,217 |
| Total risk-based capital ratio | 11.9001% | 6,151 |
| Memoranda: | ||
| Average total assets | $180,589,000 | 3,499 |
| Average earning assets | $167,742,500 | 3,455 |
| Average equity | $16,107,000 | 3,925 |
| Average total loans | $134,337,000 | 3,281 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2684% | 4,138 |
| Cost of funding earning assets | 2.5037% | 4,186 |
| Net interest margin | 3.7647% | 4,162 |
| Noninterest income to average assets | 0.5007% | 4,609 |
| Noninterest expense to average assets | 2.3982% | 6,397 |
| Loan and lease loss provision to assets | 0.7639% | 1,958 |
| Net operating income to assets | 0.6006% | 4,300 |
| Return on assets (ROA) | 0.6006% | 4,166 |
| Pretax return on assets | 0.8456% | 3,903 |
| Return on Equity (ROE) | 6.7402% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.7443% | 1,646 |
| Net charge-offs to loans | 0.3880% | 2,881 |
| Credit loss provision to net charge-offs | 268.5950% | 1,720 |
| Earnings coverage of net charge-offs (x) | 5.6591% | 3,572 |
| Efficiency ratio | 59.8387% | 6,381 |
| Assets per employee ($millions) | 5.7216% | 1,311 |
| Cash dividends to net income (ytd only)* | 14.7750% | 4,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 1,553 |
| Loan loss allowance to noncurrent loans | 112.1157% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 3,057 |
| Noncurrent loans to loans | 1.6383% | 3,314 |
| Net loans and leases to total assets | 72.3880% | 3,502 |
| Net loans and leases to deposits | 83.4321% | 4,509 |
| Net loans and leases to core deposits | 119.7687% | 2,713 |
| Total domestic deposits to total assets | 86.7629% | 2,059 |
| Equity capital to assets | 8.7006% | 5,811 |
| Core capital (leverage) ratio | 8.0338% | 6,432 |
| Tier 1 risk-based capital ratio | 10.0450% | 6,694 |
| Total risk-based capital ratio | 11.2991% | 6,562 |
| Memoranda: | ||
| Average total assets | $170,169,200 | 3,552 |
| Average earning assets | $158,526,400 | 3,498 |
| Average equity | $15,162,800 | 4,109 |
| Average total loans | $124,754,400 | 3,356 |