Home > Community First Banking Company > Performance and Condition Ratios
Community First Banking Company, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 2,301 |
| Cost of funding earning assets | 2.2213% | 1,691 |
| Net interest margin | 3.1957% | 2,730 |
| Noninterest income to average assets | 0.6200% | 1,441 |
| Noninterest expense to average assets | 2.3846% | 2,627 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.1380% | 1,645 |
| Return on assets (ROA) | 1.1380% | 1,652 |
| Pretax return on assets | 1.1380% | 2,140 |
| Return on Equity (ROE) | 13.1200% | 1,331 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,238 |
| Net charge-offs to loans | 0.0085% | 2,600 |
| Credit loss provision to net charge-offs | 1,235.2941% | 344 |
| Earnings coverage of net charge-offs (x) | 194.6471% | 517 |
| Efficiency ratio | 66.1933% | 2,469 |
| Assets per employee ($millions) | 6.8287% | 2,276 |
| Cash dividends to net income (ytd only)* | 61.9340% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,389 |
| Loan loss allowance to noncurrent loans | 5,207.6923% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 3,647 |
| Noncurrent loans to loans | 0.0186% | 3,624 |
| Net loans and leases to total assets | 72.4900% | 1,615 |
| Net loans and leases to deposits | 84.7133% | 1,712 |
| Net loans and leases to core deposits | 95.4199% | 1,745 |
| Total domestic deposits to total assets | 85.5700% | 2,346 |
| Equity capital to assets | 8.5002% | 3,199 |
| Core capital (leverage) ratio | 10.4383% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $271,697,000 | 2,586 |
| Average earning assets | $253,996,400 | 2,573 |
| Average equity | $23,560,000 | 2,729 |
| Average total loans | $198,915,200 | 2,380 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3524% | 2,367 |
| Cost of funding earning assets | 2.1903% | 1,758 |
| Net interest margin | 3.1621% | 2,765 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.4340% | 2,430 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.0709% | 1,852 |
| Return on assets (ROA) | 1.0709% | 1,852 |
| Pretax return on assets | 1.0709% | 2,329 |
| Return on Equity (ROE) | 12.2900% | 1,540 |
| Retained earnings to average equity (ytd only) | 3.3796% | 3,045 |
| Net charge-offs to loans | 0.0116% | 2,212 |
| Credit loss provision to net charge-offs | 670.5882% | 521 |
| Earnings coverage of net charge-offs (x) | 133.7647% | 663 |
| Efficiency ratio | 68.2624% | 2,233 |
| Assets per employee ($millions) | 6.7504% | 2,307 |
| Cash dividends to net income (ytd only)* | 72.4907% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 3,559 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 74.2200% | 1,334 |
| Net loans and leases to deposits | 87.6005% | 1,473 |
| Net loans and leases to core deposits | 99.0334% | 1,551 |
| Total domestic deposits to total assets | 84.7300% | 2,387 |
| Equity capital to assets | 9.0990% | 2,964 |
| Core capital (leverage) ratio | 10.8027% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $267,919,750 | 2,600 |
| Average earning assets | $250,249,500 | 2,590 |
| Average equity | $23,355,250 | 2,733 |
| Average total loans | $196,161,250 | 2,388 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 2,342 |
| Cost of funding earning assets | 2.1812% | 1,696 |
| Net interest margin | 3.1244% | 2,804 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.4561% | 2,364 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.0311% | 1,899 |
| Return on assets (ROA) | 1.0311% | 1,902 |
| Pretax return on assets | 1.0311% | 2,389 |
| Return on Equity (ROE) | 12.0100% | 1,620 |
| Retained earnings to average equity (ytd only) | 0.6682% | 3,675 |
| Net charge-offs to loans | 0.0177% | 1,823 |
| Credit loss provision to net charge-offs | 282.3529% | 843 |
| Earnings coverage of net charge-offs (x) | 83.4706% | 853 |
| Efficiency ratio | 69.6341% | 2,159 |
| Assets per employee ($millions) | 6.4061% | 2,481 |
| Cash dividends to net income (ytd only)* | 94.4363% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 3,569 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.5800% | 1,464 |
| Net loans and leases to deposits | 86.3746% | 1,615 |
| Net loans and leases to core deposits | 95.8830% | 1,748 |
| Total domestic deposits to total assets | 85.1800% | 2,267 |
| Equity capital to assets | 8.5249% | 3,087 |
| Core capital (leverage) ratio | 10.5486% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $264,970,667 | 2,614 |
| Average earning assets | $247,473,667 | 2,601 |
| Average equity | $22,746,000 | 2,737 |
| Average total loans | $192,430,333 | 2,409 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1774% | 2,451 |
| Cost of funding earning assets | 2.1461% | 1,668 |
| Net interest margin | 3.0312% | 2,922 |
| Noninterest income to average assets | 0.6200% | 1,289 |
| Noninterest expense to average assets | 2.4098% | 2,490 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.9630% | 2,052 |
| Return on assets (ROA) | 0.9630% | 2,056 |
| Pretax return on assets | 0.9630% | 2,494 |
| Return on Equity (ROE) | 11.1800% | 1,801 |
| Retained earnings to average equity (ytd only) | -6.8343% | 4,206 |
| Net charge-offs to loans | 0.0191% | 1,474 |
| Credit loss provision to net charge-offs | 533.3333% | 494 |
| Earnings coverage of net charge-offs (x) | 76.2222% | 793 |
| Efficiency ratio | 69.7797% | 2,173 |
| Assets per employee ($millions) | 6.5173% | 2,442 |
| Cash dividends to net income (ytd only)* | 161.1374% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,370 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 70.6900% | 1,723 |
| Net loans and leases to deposits | 77.7761% | 2,255 |
| Net loans and leases to core deposits | 85.0694% | 2,372 |
| Total domestic deposits to total assets | 90.8900% | 556 |
| Equity capital to assets | 8.3156% | 3,146 |
| Core capital (leverage) ratio | 10.7636% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $262,927,000 | 2,630 |
| Average earning assets | $245,839,500 | 2,619 |
| Average equity | $22,650,500 | 2,753 |
| Average total loans | $188,730,000 | 2,439 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,510 |
| Cost of funding earning assets | 1.6078% | 1,670 |
| Net interest margin | 3.1743% | 2,934 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.3639% | 2,685 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1082% | 1,899 |
| Return on assets (ROA) | 1.1082% | 1,869 |
| Pretax return on assets | 1.1082% | 2,393 |
| Return on Equity (ROE) | 13.0100% | 1,727 |
| Retained earnings to average equity (ytd only) | 4.6962% | 2,713 |
| Net charge-offs to loans | 0.0159% | 2,068 |
| Credit loss provision to net charge-offs | 875.8621% | 455 |
| Earnings coverage of net charge-offs (x) | 110.8621% | 854 |
| Efficiency ratio | 65.6060% | 2,398 |
| Assets per employee ($millions) | 5.8783% | 2,925 |
| Cash dividends to net income (ytd only)* | 63.8918% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,390 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.4700% | 1,643 |
| Net loans and leases to deposits | 80.8582% | 2,041 |
| Net loans and leases to core deposits | 87.6947% | 2,193 |
| Total domestic deposits to total assets | 88.3900% | 1,234 |
| Equity capital to assets | 8.9238% | 2,726 |
| Core capital (leverage) ratio | 11.0084% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $260,160,800 | 2,620 |
| Average earning assets | $241,691,600 | 2,617 |
| Average equity | $22,167,000 | 2,680 |
| Average total loans | $182,417,800 | 2,426 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 2,508 |
| Cost of funding earning assets | 1.4854% | 1,654 |
| Net interest margin | 3.1958% | 2,926 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.3300% | 2,704 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1908% | 1,821 |
| Return on assets (ROA) | 1.1908% | 1,809 |
| Pretax return on assets | 1.1908% | 2,319 |
| Return on Equity (ROE) | 14.1400% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.0260% | 2,921 |
| Net charge-offs to loans | 0.0206% | 1,705 |
| Credit loss provision to net charge-offs | 392.8571% | 729 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 979 |
| Efficiency ratio | 64.4782% | 2,441 |
| Assets per employee ($millions) | 5.9651% | 2,793 |
| Cash dividends to net income (ytd only)* | 64.4607% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 3,665 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.5300% | 1,885 |
| Net loans and leases to deposits | 77.9251% | 2,251 |
| Net loans and leases to core deposits | 82.6648% | 2,427 |
| Total domestic deposits to total assets | 89.2200% | 1,183 |
| Equity capital to assets | 8.1234% | 2,965 |
| Core capital (leverage) ratio | 10.9227% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $260,539,500 | 2,627 |
| Average earning assets | $241,726,250 | 2,624 |
| Average equity | $21,938,500 | 2,683 |
| Average total loans | $181,350,000 | 2,435 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 2,445 |
| Cost of funding earning assets | 1.3494% | 1,581 |
| Net interest margin | 3.2347% | 2,899 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.3386% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3082% | 1,551 |
| Return on assets (ROA) | 1.3082% | 1,536 |
| Pretax return on assets | 1.3082% | 2,060 |
| Return on Equity (ROE) | 15.3500% | 1,400 |
| Retained earnings to average equity (ytd only) | 3.9739% | 3,212 |
| Net charge-offs to loans | 0.0166% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 876 |
| Efficiency ratio | 64.0008% | 2,492 |
| Assets per employee ($millions) | 6.1273% | 2,597 |
| Cash dividends to net income (ytd only)* | 74.1176% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 3,879 |
| Loan loss allowance to noncurrent loans | 31,960.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,887 |
| Noncurrent loans to loans | 0.0027% | 3,814 |
| Net loans and leases to total assets | 70.0300% | 1,739 |
| Net loans and leases to deposits | 78.6538% | 2,073 |
| Net loans and leases to core deposits | 83.4286% | 2,240 |
| Total domestic deposits to total assets | 89.0300% | 1,249 |
| Equity capital to assets | 8.4061% | 2,939 |
| Core capital (leverage) ratio | 10.9282% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $259,898,000 | 2,633 |
| Average earning assets | $240,701,667 | 2,633 |
| Average equity | $22,144,333 | 2,683 |
| Average total loans | $180,406,333 | 2,437 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,416 |
| Cost of funding earning assets | 1.2788% | 1,276 |
| Net interest margin | 3.1768% | 3,170 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.3788% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2305% | 1,853 |
| Return on assets (ROA) | 1.2305% | 1,823 |
| Pretax return on assets | 1.2305% | 2,352 |
| Return on Equity (ROE) | 14.3400% | 1,703 |
| Retained earnings to average equity (ytd only) | -4.0826% | 4,294 |
| Net charge-offs to loans | 0.0293% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 61.0769% | 1,007 |
| Efficiency ratio | 65.6505% | 2,249 |
| Assets per employee ($millions) | 5.7329% | 2,996 |
| Cash dividends to net income (ytd only)* | 128.4635% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 3,884 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.1200% | 1,719 |
| Net loans and leases to deposits | 76.2061% | 2,095 |
| Net loans and leases to core deposits | 80.6659% | 2,205 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 8.5344% | 2,860 |
| Core capital (leverage) ratio | 10.6396% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $258,110,000 | 2,679 |
| Average earning assets | $238,353,500 | 2,683 |
| Average equity | $22,142,500 | 2,707 |
| Average total loans | $177,561,000 | 2,486 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 2,313 |
| Cost of funding earning assets | 0.4934% | 1,439 |
| Net interest margin | 3.2952% | 2,575 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.2233% | 2,963 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4572% | 989 |
| Return on assets (ROA) | 1.4572% | 946 |
| Pretax return on assets | 1.4572% | 1,588 |
| Return on Equity (ROE) | 16.6400% | 931 |
| Retained earnings to average equity (ytd only) | 7.6109% | 1,983 |
| Net charge-offs to loans | -0.0115% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8985% | 3,068 |
| Assets per employee ($millions) | 5.8691% | 2,885 |
| Cash dividends to net income (ytd only)* | 54.2737% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,421 |
| Loan loss allowance to noncurrent loans | 24,900.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,914 |
| Noncurrent loans to loans | 0.0040% | 3,853 |
| Net loans and leases to total assets | 67.1800% | 1,912 |
| Net loans and leases to deposits | 76.4803% | 2,062 |
| Net loans and leases to core deposits | 80.2623% | 2,116 |
| Total domestic deposits to total assets | 87.8300% | 2,131 |
| Equity capital to assets | 8.6230% | 2,614 |
| Core capital (leverage) ratio | 10.9615% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $261,732,600 | 2,658 |
| Average earning assets | $244,237,200 | 2,649 |
| Average equity | $22,914,400 | 2,706 |
| Average total loans | $165,854,800 | 2,494 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 2,156 |
| Cost of funding earning assets | 0.4139% | 1,198 |
| Net interest margin | 3.2495% | 2,460 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1573% | 3,049 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4764% | 898 |
| Return on assets (ROA) | 1.4764% | 884 |
| Pretax return on assets | 1.4764% | 1,483 |
| Return on Equity (ROE) | 16.8000% | 837 |
| Retained earnings to average equity (ytd only) | 6.7485% | 2,464 |
| Net charge-offs to loans | -0.0122% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.8129% | 3,285 |
| Assets per employee ($millions) | 5.9129% | 2,836 |
| Cash dividends to net income (ytd only)* | 59.8349% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,706 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.3300% | 1,748 |
| Net loans and leases to deposits | 73.8506% | 2,066 |
| Net loans and leases to core deposits | 78.4091% | 2,011 |
| Total domestic deposits to total assets | 91.1700% | 1,168 |
| Equity capital to assets | 8.3185% | 2,666 |
| Core capital (leverage) ratio | 10.4404% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $262,605,750 | 2,668 |
| Average earning assets | $246,106,250 | 2,655 |
| Average equity | $23,076,000 | 2,738 |
| Average total loans | $163,514,000 | 2,512 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5196% | 2,073 |
| Cost of funding earning assets | 0.3528% | 1,235 |
| Net interest margin | 3.1669% | 2,300 |
| Noninterest income to average assets | 0.5908% | 1,780 |
| Noninterest expense to average assets | 2.1176% | 3,101 |
| Loan and lease loss provision to assets | 0.0151% | 2,328 |
| Net operating income to assets | 1.4281% | 839 |
| Return on assets (ROA) | 1.4281% | 826 |
| Pretax return on assets | 1.4281% | 1,365 |
| Return on Equity (ROE) | 15.9794% | 706 |
| Retained earnings to average equity (ytd only) | 4.0897% | 3,050 |
| Net charge-offs to loans | -0.0212% | 3,899 |
| Credit loss provision to net charge-offs | -117.6471% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0688% | 3,431 |
| Assets per employee ($millions) | 6.4939% | 2,323 |
| Cash dividends to net income (ytd only)* | 74.4063% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,776 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 61.7834% | 2,144 |
| Net loans and leases to deposits | 68.2121% | 2,376 |
| Net loans and leases to core deposits | 72.6776% | 2,267 |
| Total domestic deposits to total assets | 90.5753% | 1,425 |
| Equity capital to assets | 7.8727% | 3,220 |
| Core capital (leverage) ratio | 10.0703% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,389,667 | 2,677 |
| Average earning assets | $248,890,000 | 2,681 |
| Average equity | $23,718,000 | 2,763 |
| Average total loans | $160,373,667 | 2,544 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 1,789 |
| Cost of funding earning assets | 0.3314% | 1,366 |
| Net interest margin | 3.1771% | 1,949 |
| Noninterest income to average assets | 0.5888% | 1,742 |
| Noninterest expense to average assets | 2.1090% | 3,112 |
| Loan and lease loss provision to assets | 0.0302% | 1,826 |
| Net operating income to assets | 1.4312% | 740 |
| Return on assets (ROA) | 1.4312% | 739 |
| Pretax return on assets | 1.4312% | 1,173 |
| Return on Equity (ROE) | 15.1097% | 631 |
| Retained earnings to average equity (ytd only) | -2.1039% | 4,255 |
| Net charge-offs to loans | -0.0356% | 4,149 |
| Credit loss provision to net charge-offs | -142.8571% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6892% | 3,614 |
| Assets per employee ($millions) | 6.7118% | 2,214 |
| Cash dividends to net income (ytd only)* | 113.9241% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,316 |
| Loan loss allowance to noncurrent loans | 5,111.7647% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,687 |
| Noncurrent loans to loans | 0.0216% | 3,839 |
| Net loans and leases to total assets | 58.0912% | 2,287 |
| Net loans and leases to deposits | 64.9033% | 2,445 |
| Net loans and leases to core deposits | 69.4656% | 2,338 |
| Total domestic deposits to total assets | 89.5043% | 1,809 |
| Equity capital to assets | 8.8483% | 2,844 |
| Core capital (leverage) ratio | 9.8963% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,960,500 | 2,694 |
| Average earning assets | $248,656,500 | 2,687 |
| Average equity | $25,096,500 | 2,766 |
| Average total loans | $157,441,000 | 2,572 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 2,033 |
| Cost of funding earning assets | 0.3997% | 1,548 |
| Net interest margin | 3.3299% | 2,238 |
| Noninterest income to average assets | 0.5953% | 2,179 |
| Noninterest expense to average assets | 2.1351% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5783% | 864 |
| Return on assets (ROA) | 1.5783% | 892 |
| Pretax return on assets | 1.5783% | 1,487 |
| Return on Equity (ROE) | 15.3229% | 879 |
| Retained earnings to average equity (ytd only) | 7.1163% | 1,876 |
| Net charge-offs to loans | -0.0394% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1016% | 3,567 |
| Assets per employee ($millions) | 6.5363% | 2,302 |
| Cash dividends to net income (ytd only)* | 53.5580% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,898 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.4691% | 2,213 |
| Net loans and leases to deposits | 67.3604% | 2,370 |
| Net loans and leases to core deposits | 71.5788% | 2,296 |
| Total domestic deposits to total assets | 88.2849% | 1,882 |
| Equity capital to assets | 10.1121% | 2,544 |
| Core capital (leverage) ratio | 10.2905% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,975,600 | 2,712 |
| Average earning assets | $235,951,000 | 2,706 |
| Average equity | $25,954,600 | 2,785 |
| Average total loans | $152,403,200 | 2,612 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 1,861 |
| Cost of funding earning assets | 0.4122% | 1,609 |
| Net interest margin | 3.4568% | 1,989 |
| Noninterest income to average assets | 0.5876% | 2,263 |
| Noninterest expense to average assets | 2.1441% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6778% | 870 |
| Return on assets (ROA) | 1.6778% | 915 |
| Pretax return on assets | 1.6778% | 1,464 |
| Return on Equity (ROE) | 16.2109% | 904 |
| Retained earnings to average equity (ytd only) | 7.2307% | 2,335 |
| Net charge-offs to loans | -0.0379% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7093% | 3,560 |
| Assets per employee ($millions) | 5.8323% | 2,852 |
| Cash dividends to net income (ytd only)* | 55.3964% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 59.1531% | 2,359 |
| Net loans and leases to deposits | 67.2911% | 2,511 |
| Net loans and leases to core deposits | 71.5927% | 2,457 |
| Total domestic deposits to total assets | 87.9062% | 1,897 |
| Equity capital to assets | 10.4486% | 2,496 |
| Core capital (leverage) ratio | 10.2958% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,607,000 | 2,747 |
| Average earning assets | $233,543,250 | 2,745 |
| Average equity | $25,833,750 | 2,829 |
| Average total loans | $151,207,500 | 2,659 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 2,085 |
| Cost of funding earning assets | 0.4325% | 1,643 |
| Net interest margin | 3.3609% | 2,270 |
| Noninterest income to average assets | 0.5654% | 2,352 |
| Noninterest expense to average assets | 2.1709% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5433% | 1,184 |
| Return on assets (ROA) | 1.5433% | 1,247 |
| Pretax return on assets | 1.5433% | 1,895 |
| Return on Equity (ROE) | 14.9604% | 1,168 |
| Retained earnings to average equity (ytd only) | 3.9048% | 3,548 |
| Net charge-offs to loans | -0.0479% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0357% | 3,283 |
| Assets per employee ($millions) | 6.2241% | 2,408 |
| Cash dividends to net income (ytd only)* | 73.8994% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 3,491 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.7429% | 2,331 |
| Net loans and leases to deposits | 69.0649% | 2,507 |
| Net loans and leases to core deposits | 73.0355% | 2,517 |
| Total domestic deposits to total assets | 87.9505% | 1,852 |
| Equity capital to assets | 10.3903% | 2,497 |
| Core capital (leverage) ratio | 9.8982% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,269,667 | 2,752 |
| Average earning assets | $231,662,000 | 2,750 |
| Average equity | $25,507,333 | 2,840 |
| Average total loans | $150,448,000 | 2,683 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 2,395 |
| Cost of funding earning assets | 0.4496% | 1,725 |
| Net interest margin | 3.2373% | 2,580 |
| Noninterest income to average assets | 0.5568% | 2,384 |
| Noninterest expense to average assets | 2.1199% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4642% | 1,408 |
| Return on assets (ROA) | 1.4642% | 1,470 |
| Pretax return on assets | 1.4642% | 2,093 |
| Return on Equity (ROE) | 14.2457% | 1,386 |
| Retained earnings to average equity (ytd only) | -3.0481% | 4,603 |
| Net charge-offs to loans | -0.0456% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7409% | 3,196 |
| Assets per employee ($millions) | 6.2201% | 2,391 |
| Cash dividends to net income (ytd only)* | 121.3969% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,633 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.8095% | 2,703 |
| Net loans and leases to deposits | 66.4406% | 2,873 |
| Net loans and leases to core deposits | 70.9735% | 2,787 |
| Total domestic deposits to total assets | 88.5145% | 1,600 |
| Equity capital to assets | 9.7786% | 2,922 |
| Core capital (leverage) ratio | 9.9968% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,422,500 | 2,749 |
| Average earning assets | $230,440,000 | 2,745 |
| Average equity | $25,327,000 | 2,851 |
| Average total loans | $149,218,000 | 2,698 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 2,458 |
| Cost of funding earning assets | 0.6702% | 1,875 |
| Net interest margin | 3.4172% | 2,721 |
| Noninterest income to average assets | 0.6938% | 1,887 |
| Noninterest expense to average assets | 2.4009% | 3,132 |
| Loan and lease loss provision to assets | 0.0323% | 3,993 |
| Net operating income to assets | 1.4240% | 968 |
| Return on assets (ROA) | 1.4701% | 958 |
| Pretax return on assets | 1.4701% | 1,440 |
| Return on Equity (ROE) | 13.0117% | 1,039 |
| Retained earnings to average equity (ytd only) | 4.9891% | 2,271 |
| Net charge-offs to loans | 0.0212% | 2,637 |
| Credit loss provision to net charge-offs | 233.3333% | 2,001 |
| Earnings coverage of net charge-offs (x) | 105.2333% | 761 |
| Efficiency ratio | 61.8034% | 3,174 |
| Assets per employee ($millions) | 5.9455% | 2,387 |
| Cash dividends to net income (ytd only)* | 61.6567% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,365 |
| Loan loss allowance to noncurrent loans | 2,529.2308% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 3,574 |
| Noncurrent loans to loans | 0.0443% | 4,122 |
| Net loans and leases to total assets | 61.0344% | 2,722 |
| Net loans and leases to deposits | 69.7752% | 2,901 |
| Net loans and leases to core deposits | 74.8214% | 2,834 |
| Total domestic deposits to total assets | 87.4729% | 1,718 |
| Equity capital to assets | 10.8132% | 2,418 |
| Core capital (leverage) ratio | 11.0965% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,790,200 | 2,822 |
| Average earning assets | $200,690,000 | 2,819 |
| Average equity | $24,493,400 | 2,842 |
| Average total loans | $141,724,800 | 2,736 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 2,524 |
| Cost of funding earning assets | 0.7140% | 1,939 |
| Net interest margin | 3.4362% | 2,794 |
| Noninterest income to average assets | 0.6082% | 2,144 |
| Noninterest expense to average assets | 2.3687% | 3,223 |
| Loan and lease loss provision to assets | 0.0378% | 3,881 |
| Net operating income to assets | 1.3778% | 1,158 |
| Return on assets (ROA) | 1.4409% | 1,101 |
| Pretax return on assets | 1.4409% | 1,606 |
| Return on Equity (ROE) | 12.6011% | 1,221 |
| Retained earnings to average equity (ytd only) | 3.4893% | 3,308 |
| Net charge-offs to loans | -0.0152% | 4,335 |
| Credit loss provision to net charge-offs | -375.0000% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1252% | 3,055 |
| Assets per employee ($millions) | 5.4347% | 2,766 |
| Cash dividends to net income (ytd only)* | 72.3097% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,954 |
| Loan loss allowance to noncurrent loans | 226.7206% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 2,291 |
| Noncurrent loans to loans | 0.5058% | 2,532 |
| Net loans and leases to total assets | 63.4415% | 2,832 |
| Net loans and leases to deposits | 72.8419% | 3,053 |
| Net loans and leases to core deposits | 80.9803% | 2,754 |
| Total domestic deposits to total assets | 87.0948% | 1,627 |
| Equity capital to assets | 11.1138% | 2,314 |
| Core capital (leverage) ratio | 10.4942% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,532,750 | 2,836 |
| Average earning assets | $195,518,750 | 2,851 |
| Average equity | $24,187,750 | 2,857 |
| Average total loans | $140,457,000 | 2,753 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,526 |
| Cost of funding earning assets | 0.7629% | 2,033 |
| Net interest margin | 3.5155% | 2,737 |
| Noninterest income to average assets | 0.6254% | 2,034 |
| Noninterest expense to average assets | 2.4442% | 3,127 |
| Loan and lease loss provision to assets | 0.0291% | 3,888 |
| Net operating income to assets | 1.3915% | 1,132 |
| Return on assets (ROA) | 1.4887% | 1,022 |
| Pretax return on assets | 1.4887% | 1,483 |
| Return on Equity (ROE) | 12.8854% | 1,127 |
| Retained earnings to average equity (ytd only) | 1.6559% | 3,886 |
| Net charge-offs to loans | -0.0303% | 4,549 |
| Credit loss provision to net charge-offs | -142.8571% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7638% | 2,994 |
| Assets per employee ($millions) | 5.3843% | 2,751 |
| Cash dividends to net income (ytd only)* | 87.1494% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 2,887 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 3,602 |
| Noncurrent loans to loans | 0.0490% | 4,286 |
| Net loans and leases to total assets | 64.1986% | 2,855 |
| Net loans and leases to deposits | 73.5595% | 3,119 |
| Net loans and leases to core deposits | 78.6675% | 3,057 |
| Total domestic deposits to total assets | 87.2744% | 1,513 |
| Equity capital to assets | 10.9462% | 2,394 |
| Core capital (leverage) ratio | 10.9215% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,958,333 | 2,855 |
| Average earning assets | $189,790,333 | 2,871 |
| Average equity | $23,794,333 | 2,868 |
| Average total loans | $138,446,333 | 2,761 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 2,176 |
| Cost of funding earning assets | 0.8653% | 2,030 |
| Net interest margin | 3.6792% | 2,398 |
| Noninterest income to average assets | 0.6678% | 1,773 |
| Noninterest expense to average assets | 2.5834% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4622% | 851 |
| Return on assets (ROA) | 1.4622% | 925 |
| Pretax return on assets | 1.4622% | 1,406 |
| Return on Equity (ROE) | 12.2842% | 1,034 |
| Retained earnings to average equity (ytd only) | -5.2843% | 4,543 |
| Net charge-offs to loans | -0.0119% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4023% | 3,312 |
| Assets per employee ($millions) | 4.7365% | 2,946 |
| Cash dividends to net income (ytd only)* | 143.0168% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,775 |
| Loan loss allowance to noncurrent loans | 2,035.4430% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 3,553 |
| Noncurrent loans to loans | 0.0580% | 4,321 |
| Net loans and leases to total assets | 67.6657% | 2,590 |
| Net loans and leases to deposits | 78.3518% | 2,847 |
| Net loans and leases to core deposits | 84.9183% | 2,770 |
| Total domestic deposits to total assets | 86.3613% | 1,844 |
| Equity capital to assets | 11.4988% | 2,438 |
| Core capital (leverage) ratio | 11.6367% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,866,500 | 2,904 |
| Average earning assets | $179,821,000 | 2,919 |
| Average equity | $23,314,500 | 2,903 |
| Average total loans | $134,251,500 | 2,790 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 2,652 |
| Cost of funding earning assets | 0.9517% | 1,951 |
| Net interest margin | 3.6387% | 3,003 |
| Noninterest income to average assets | 0.7114% | 1,772 |
| Noninterest expense to average assets | 2.6003% | 3,172 |
| Loan and lease loss provision to assets | 0.0078% | 3,851 |
| Net operating income to assets | 1.4552% | 1,171 |
| Return on assets (ROA) | 1.4662% | 1,201 |
| Pretax return on assets | 1.4662% | 1,914 |
| Return on Equity (ROE) | 12.2790% | 1,405 |
| Retained earnings to average equity (ytd only) | 4.1353% | 2,895 |
| Net charge-offs to loans | 0.0805% | 1,953 |
| Credit loss provision to net charge-offs | 14.2857% | 3,341 |
| Earnings coverage of net charge-offs (x) | 26.6381% | 1,693 |
| Efficiency ratio | 63.5170% | 3,141 |
| Assets per employee ($millions) | 4.7024% | 2,945 |
| Cash dividends to net income (ytd only)* | 66.3218% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,362 |
| Loan loss allowance to noncurrent loans | 1,724.7312% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,470 |
| Noncurrent loans to loans | 0.0703% | 4,253 |
| Net loans and leases to total assets | 67.7810% | 2,710 |
| Net loans and leases to deposits | 79.2246% | 2,878 |
| Net loans and leases to core deposits | 84.1085% | 2,936 |
| Total domestic deposits to total assets | 85.5554% | 2,264 |
| Equity capital to assets | 12.3206% | 1,940 |
| Core capital (leverage) ratio | 12.0612% | 1,737 |
| Tier 1 risk-based capital ratio | 16.7923% | 2,124 |
| Total risk-based capital ratio | 17.9568% | 2,086 |
| Memoranda: | ||
| Average total assets | $191,171,000 | 2,912 |
| Average earning assets | $176,107,000 | 2,924 |
| Average equity | $22,827,600 | 2,880 |
| Average total loans | $130,358,400 | 2,818 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 2,716 |
| Cost of funding earning assets | 0.9778% | 1,858 |
| Net interest margin | 3.6231% | 3,187 |
| Noninterest income to average assets | 0.7073% | 1,750 |
| Noninterest expense to average assets | 2.5713% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4768% | 1,250 |
| Return on assets (ROA) | 1.4866% | 1,281 |
| Pretax return on assets | 1.4866% | 1,998 |
| Return on Equity (ROE) | 12.5506% | 1,426 |
| Retained earnings to average equity (ytd only) | 3.3752% | 3,713 |
| Net charge-offs to loans | 0.3028% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 7.1628% | 2,768 |
| Efficiency ratio | 63.0352% | 3,155 |
| Assets per employee ($millions) | 4.7648% | 2,834 |
| Cash dividends to net income (ytd only)* | 73.1076% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,178 |
| Loan loss allowance to noncurrent loans | 117.9747% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 1,691 |
| Noncurrent loans to loans | 0.9061% | 1,766 |
| Net loans and leases to total assets | 67.8846% | 2,803 |
| Net loans and leases to deposits | 77.8537% | 3,107 |
| Net loans and leases to core deposits | 84.2133% | 3,073 |
| Total domestic deposits to total assets | 87.1951% | 1,431 |
| Equity capital to assets | 12.2682% | 2,061 |
| Core capital (leverage) ratio | 11.7734% | 2,027 |
| Tier 1 risk-based capital ratio | 16.6851% | 2,192 |
| Total risk-based capital ratio | 17.7105% | 2,217 |
| Memoranda: | ||
| Average total assets | $190,764,000 | 2,943 |
| Average earning assets | $175,904,750 | 2,949 |
| Average equity | $22,596,000 | 2,927 |
| Average total loans | $129,876,750 | 2,857 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 2,667 |
| Cost of funding earning assets | 0.9825% | 1,781 |
| Net interest margin | 3.6209% | 3,189 |
| Noninterest income to average assets | 0.7106% | 1,675 |
| Noninterest expense to average assets | 2.5804% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4715% | 1,227 |
| Return on assets (ROA) | 1.4768% | 1,261 |
| Pretax return on assets | 1.4768% | 1,930 |
| Return on Equity (ROE) | 12.6175% | 1,368 |
| Retained earnings to average equity (ytd only) | 1.4149% | 4,317 |
| Net charge-offs to loans | -0.0062% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1919% | 3,258 |
| Assets per employee ($millions) | 5.2691% | 2,180 |
| Cash dividends to net income (ytd only)* | 88.7864% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 1,941 |
| Loan loss allowance to noncurrent loans | 1,248.5294% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 3,550 |
| Noncurrent loans to loans | 0.1054% | 4,197 |
| Net loans and leases to total assets | 63.5718% | 3,390 |
| Net loans and leases to deposits | 72.1800% | 3,674 |
| Net loans and leases to core deposits | 77.7892% | 3,593 |
| Total domestic deposits to total assets | 88.0740% | 1,070 |
| Equity capital to assets | 11.4420% | 2,652 |
| Core capital (leverage) ratio | 11.3793% | 2,266 |
| Tier 1 risk-based capital ratio | 15.4622% | 2,636 |
| Total risk-based capital ratio | 16.6382% | 2,595 |
| Memoranda: | ||
| Average total assets | $190,821,670 | 2,953 |
| Average earning assets | $176,088,670 | 2,959 |
| Average equity | $22,334,000 | 2,941 |
| Average total loans | $129,575,670 | 2,875 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 2,483 |
| Cost of funding earning assets | 0.9773% | 1,666 |
| Net interest margin | 3.6385% | 3,111 |
| Noninterest income to average assets | 0.7114% | 1,573 |
| Noninterest expense to average assets | 2.5983% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4657% | 1,193 |
| Return on assets (ROA) | 1.4657% | 1,223 |
| Pretax return on assets | 1.4657% | 1,876 |
| Return on Equity (ROE) | 12.3741% | 1,420 |
| Retained earnings to average equity (ytd only) | -4.8626% | 4,918 |
| Net charge-offs to loans | -0.0031% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4585% | 3,325 |
| Assets per employee ($millions) | 5.2174% | 2,260 |
| Cash dividends to net income (ytd only)* | 139.2962% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,134 |
| Loan loss allowance to noncurrent loans | 1,033.5366% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 3,488 |
| Noncurrent loans to loans | 0.1249% | 4,178 |
| Net loans and leases to total assets | 67.1636% | 2,876 |
| Net loans and leases to deposits | 76.3761% | 3,227 |
| Net loans and leases to core deposits | 81.2004% | 3,253 |
| Total domestic deposits to total assets | 87.9380% | 1,369 |
| Equity capital to assets | 11.4460% | 2,448 |
| Core capital (leverage) ratio | 11.6712% | 2,007 |
| Tier 1 risk-based capital ratio | 15.3794% | 2,712 |
| Total risk-based capital ratio | 16.5703% | 2,655 |
| Memoranda: | ||
| Average total assets | $186,119,000 | 3,022 |
| Average earning assets | $171,501,500 | 3,038 |
| Average equity | $22,046,000 | 2,969 |
| Average total loans | $129,870,500 | 2,906 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 2,586 |
| Cost of funding earning assets | 0.5955% | 2,755 |
| Net interest margin | 3.8627% | 2,458 |
| Noninterest income to average assets | 0.7581% | 1,608 |
| Noninterest expense to average assets | 2.7424% | 2,885 |
| Loan and lease loss provision to assets | 0.1255% | 1,751 |
| Net operating income to assets | 1.4582% | 1,246 |
| Return on assets (ROA) | 1.4677% | 1,200 |
| Pretax return on assets | 1.4677% | 1,883 |
| Return on Equity (ROE) | 12.2054% | 1,644 |
| Retained earnings to average equity (ytd only) | 2.5561% | 4,123 |
| Net charge-offs to loans | -0.0016% | 4,215 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9142% | 3,361 |
| Assets per employee ($millions) | 4.3706% | 3,344 |
| Cash dividends to net income (ytd only)* | 79.0574% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,951 |
| Loan loss allowance to noncurrent loans | 925.6831% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 3,313 |
| Noncurrent loans to loans | 0.1425% | 4,102 |
| Net loans and leases to total assets | 70.7037% | 2,458 |
| Net loans and leases to deposits | 81.9175% | 2,746 |
| Net loans and leases to core deposits | 90.2483% | 2,558 |
| Total domestic deposits to total assets | 86.3108% | 2,082 |
| Equity capital to assets | 12.2750% | 1,712 |
| Core capital (leverage) ratio | 12.4250% | 1,495 |
| Tier 1 risk-based capital ratio | 15.9579% | 2,419 |
| Total risk-based capital ratio | 17.1785% | 2,374 |
| Memoranda: | ||
| Average total assets | $179,256,800 | 3,061 |
| Average earning assets | $165,584,800 | 3,071 |
| Average equity | $21,556,000 | 2,931 |
| Average total loans | $127,399,200 | 2,908 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,553 |
| Cost of funding earning assets | 0.5321% | 2,978 |
| Net interest margin | 3.8920% | 2,335 |
| Noninterest income to average assets | 0.7467% | 1,690 |
| Noninterest expense to average assets | 2.7406% | 2,839 |
| Loan and lease loss provision to assets | 0.1673% | 1,122 |
| Net operating income to assets | 1.4399% | 1,361 |
| Return on assets (ROA) | 1.4525% | 1,318 |
| Pretax return on assets | 1.4525% | 2,051 |
| Return on Equity (ROE) | 12.1418% | 1,742 |
| Retained earnings to average equity (ytd only) | 2.8785% | 4,279 |
| Net charge-offs to loans | 0.0031% | 3,361 |
| Credit loss provision to net charge-offs | 7,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 720.3150% | 120 |
| Efficiency ratio | 62.5556% | 3,416 |
| Assets per employee ($millions) | 4.5491% | 3,044 |
| Cash dividends to net income (ytd only)* | 76.2931% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,987 |
| Loan loss allowance to noncurrent loans | 686.5854% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 3,215 |
| Noncurrent loans to loans | 0.1928% | 4,019 |
| Net loans and leases to total assets | 70.9632% | 2,498 |
| Net loans and leases to deposits | 83.8093% | 2,622 |
| Net loans and leases to core deposits | 88.8547% | 2,758 |
| Total domestic deposits to total assets | 84.6722% | 2,729 |
| Equity capital to assets | 12.1686% | 1,788 |
| Core capital (leverage) ratio | 12.4926% | 1,508 |
| Tier 1 risk-based capital ratio | 16.0580% | 2,427 |
| Total risk-based capital ratio | 17.2880% | 2,372 |
| Memoranda: | ||
| Average total assets | $179,272,750 | 3,080 |
| Average earning assets | $165,874,250 | 3,091 |
| Average equity | $21,446,000 | 2,956 |
| Average total loans | $127,151,500 | 2,941 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,471 |
| Cost of funding earning assets | 0.5136% | 2,902 |
| Net interest margin | 3.8714% | 2,307 |
| Noninterest income to average assets | 0.7271% | 1,756 |
| Noninterest expense to average assets | 2.7428% | 2,869 |
| Loan and lease loss provision to assets | 0.2279% | 707 |
| Net operating income to assets | 1.3430% | 1,626 |
| Return on assets (ROA) | 1.3642% | 1,556 |
| Pretax return on assets | 1.3642% | 2,280 |
| Return on Equity (ROE) | 11.4682% | 1,920 |
| Retained earnings to average equity (ytd only) | 0.2991% | 4,909 |
| Net charge-offs to loans | -0.0094% | 4,302 |
| Credit loss provision to net charge-offs | -3,416.6667% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0928% | 3,453 |
| Assets per employee ($millions) | 4.4875% | 3,143 |
| Cash dividends to net income (ytd only)* | 97.3920% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 1,968 |
| Loan loss allowance to noncurrent loans | 603.5971% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 3,286 |
| Noncurrent loans to loans | 0.2228% | 3,922 |
| Net loans and leases to total assets | 68.5634% | 2,782 |
| Net loans and leases to deposits | 78.2569% | 3,131 |
| Net loans and leases to core deposits | 84.0481% | 3,078 |
| Total domestic deposits to total assets | 87.6132% | 1,584 |
| Equity capital to assets | 11.9221% | 1,908 |
| Core capital (leverage) ratio | 11.9417% | 1,757 |
| Tier 1 risk-based capital ratio | 16.0138% | 2,433 |
| Total risk-based capital ratio | 17.2573% | 2,377 |
| Memoranda: | ||
| Average total assets | $179,891,670 | 3,095 |
| Average earning assets | $166,658,000 | 3,100 |
| Average equity | $21,398,330 | 2,977 |
| Average total loans | $127,005,670 | 2,951 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,481 |
| Cost of funding earning assets | 0.4906% | 2,865 |
| Net interest margin | 3.8170% | 2,347 |
| Noninterest income to average assets | 0.6819% | 1,904 |
| Noninterest expense to average assets | 2.7720% | 2,797 |
| Loan and lease loss provision to assets | 0.2776% | 491 |
| Net operating income to assets | 1.1750% | 2,115 |
| Return on assets (ROA) | 1.2172% | 1,946 |
| Pretax return on assets | 1.2172% | 2,684 |
| Return on Equity (ROE) | 10.2442% | 2,309 |
| Retained earnings to average equity (ytd only) | -6.5802% | 5,271 |
| Net charge-offs to loans | -0.0125% | 4,344 |
| Credit loss provision to net charge-offs | -3,125.0000% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1420% | 3,297 |
| Assets per employee ($millions) | 4.4570% | 3,231 |
| Cash dividends to net income (ytd only)* | 164.2336% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,562 |
| Loan loss allowance to noncurrent loans | 489.5706% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 3,300 |
| Noncurrent loans to loans | 0.2537% | 3,850 |
| Net loans and leases to total assets | 69.4506% | 2,572 |
| Net loans and leases to deposits | 78.9873% | 2,919 |
| Net loans and leases to core deposits | 84.3555% | 2,945 |
| Total domestic deposits to total assets | 87.9264% | 1,663 |
| Equity capital to assets | 11.5051% | 2,131 |
| Core capital (leverage) ratio | 11.7914% | 1,785 |
| Tier 1 risk-based capital ratio | 15.4650% | 2,676 |
| Total risk-based capital ratio | 16.6283% | 2,647 |
| Memoranda: | ||
| Average total assets | $180,088,500 | 3,129 |
| Average earning assets | $167,147,000 | 3,128 |
| Average equity | $21,397,500 | 3,002 |
| Average total loans | $128,134,500 | 2,958 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,404 |
| Cost of funding earning assets | 0.4028% | 3,228 |
| Net interest margin | 3.8747% | 2,168 |
| Noninterest income to average assets | 0.7429% | 1,798 |
| Noninterest expense to average assets | 2.7748% | 2,865 |
| Loan and lease loss provision to assets | 0.1155% | 1,965 |
| Net operating income to assets | 1.4703% | 872 |
| Return on assets (ROA) | 1.4807% | 864 |
| Pretax return on assets | 1.4807% | 1,717 |
| Return on Equity (ROE) | 11.7404% | 1,279 |
| Retained earnings to average equity (ytd only) | -0.3298% | 5,094 |
| Net charge-offs to loans | 0.0791% | 2,315 |
| Credit loss provision to net charge-offs | 204.0816% | 1,338 |
| Earnings coverage of net charge-offs (x) | 28.0102% | 1,615 |
| Efficiency ratio | 63.1426% | 3,752 |
| Assets per employee ($millions) | 4.5497% | 3,112 |
| Cash dividends to net income (ytd only)* | 102.8092% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 3,076 |
| Loan loss allowance to noncurrent loans | 399.4550% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 3,082 |
| Noncurrent loans to loans | 0.2873% | 3,750 |
| Net loans and leases to total assets | 71.1762% | 2,357 |
| Net loans and leases to deposits | 84.3310% | 2,455 |
| Net loans and leases to core deposits | 91.1002% | 2,452 |
| Total domestic deposits to total assets | 84.4009% | 3,069 |
| Equity capital to assets | 12.2695% | 1,656 |
| Core capital (leverage) ratio | 12.3987% | 1,402 |
| Tier 1 risk-based capital ratio | 15.8032% | 2,515 |
| Total risk-based capital ratio | 16.8758% | 2,513 |
| Memoranda: | ||
| Average total assets | $173,096,200 | 3,210 |
| Average earning assets | $161,611,600 | 3,182 |
| Average equity | $21,830,600 | 2,969 |
| Average total loans | $123,855,400 | 3,000 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,404 |
| Cost of funding earning assets | 0.3945% | 3,256 |
| Net interest margin | 3.8626% | 2,174 |
| Noninterest income to average assets | 0.7379% | 1,841 |
| Noninterest expense to average assets | 2.7277% | 2,969 |
| Loan and lease loss provision to assets | 0.1395% | 1,525 |
| Net operating income to assets | 1.4706% | 958 |
| Return on assets (ROA) | 1.4844% | 943 |
| Pretax return on assets | 1.4976% | 1,775 |
| Return on Equity (ROE) | 11.6879% | 1,428 |
| Retained earnings to average equity (ytd only) | 1.7089% | 4,743 |
| Net charge-offs to loans | 0.0380% | 2,681 |
| Credit loss provision to net charge-offs | 514.2857% | 619 |
| Earnings coverage of net charge-offs (x) | 59.8228% | 994 |
| Efficiency ratio | 62.1949% | 3,849 |
| Assets per employee ($millions) | 4.3647% | 3,364 |
| Cash dividends to net income (ytd only)* | 85.3787% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,782 |
| Loan loss allowance to noncurrent loans | 426.5537% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 3,253 |
| Noncurrent loans to loans | 0.2869% | 3,918 |
| Net loans and leases to total assets | 69.8194% | 2,590 |
| Net loans and leases to deposits | 80.5031% | 2,919 |
| Net loans and leases to core deposits | 85.9507% | 2,975 |
| Total domestic deposits to total assets | 86.7288% | 1,983 |
| Equity capital to assets | 12.8330% | 1,477 |
| Core capital (leverage) ratio | 12.7483% | 1,317 |
| Tier 1 risk-based capital ratio | 16.7791% | 2,223 |
| Total risk-based capital ratio | 17.9337% | 2,209 |
| Memoranda: | ||
| Average total assets | $172,010,250 | 3,243 |
| Average earning assets | $160,888,750 | 3,216 |
| Average equity | $21,845,500 | 2,992 |
| Average total loans | $122,879,000 | 3,044 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 2,279 |
| Cost of funding earning assets | 0.4024% | 3,045 |
| Net interest margin | 3.8494% | 2,099 |
| Noninterest income to average assets | 0.7490% | 1,778 |
| Noninterest expense to average assets | 2.7520% | 2,923 |
| Loan and lease loss provision to assets | 0.1402% | 1,465 |
| Net operating income to assets | 1.4434% | 968 |
| Return on assets (ROA) | 1.4642% | 949 |
| Pretax return on assets | 1.4771% | 1,730 |
| Return on Equity (ROE) | 11.5702% | 1,437 |
| Retained earnings to average equity (ytd only) | -0.7572% | 5,199 |
| Net charge-offs to loans | 0.0016% | 3,460 |
| Credit loss provision to net charge-offs | 12,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,366.0000% | 44 |
| Efficiency ratio | 62.7788% | 3,852 |
| Assets per employee ($millions) | 4.2773% | 3,474 |
| Cash dividends to net income (ytd only)* | 106.5443% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,882 |
| Loan loss allowance to noncurrent loans | 348.3568% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 3,219 |
| Noncurrent loans to loans | 0.3508% | 3,775 |
| Net loans and leases to total assets | 68.3986% | 2,750 |
| Net loans and leases to deposits | 78.6042% | 3,056 |
| Net loans and leases to core deposits | 83.4069% | 3,131 |
| Total domestic deposits to total assets | 87.0165% | 1,944 |
| Equity capital to assets | 12.5877% | 1,580 |
| Core capital (leverage) ratio | 12.5417% | 1,354 |
| Tier 1 risk-based capital ratio | 16.6447% | 2,261 |
| Total risk-based capital ratio | 17.7897% | 2,256 |
| Memoranda: | ||
| Average total assets | $171,150,670 | 3,265 |
| Average earning assets | $160,023,330 | 3,245 |
| Average equity | $21,659,000 | 3,013 |
| Average total loans | $122,703,000 | 3,053 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 2,077 |
| Cost of funding earning assets | 0.3919% | 3,085 |
| Net interest margin | 3.8659% | 1,903 |
| Noninterest income to average assets | 0.7761% | 1,635 |
| Noninterest expense to average assets | 2.7780% | 2,872 |
| Loan and lease loss provision to assets | 0.1420% | 1,325 |
| Net operating income to assets | 1.4647% | 870 |
| Return on assets (ROA) | 1.4647% | 894 |
| Pretax return on assets | 1.4742% | 1,624 |
| Return on Equity (ROE) | 11.5426% | 1,391 |
| Retained earnings to average equity (ytd only) | -7.7572% | 5,513 |
| Net charge-offs to loans | -0.0097% | 4,407 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7356% | 4,030 |
| Assets per employee ($millions) | 4.3111% | 3,484 |
| Cash dividends to net income (ytd only)* | 167.2052% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 3,301 |
| Loan loss allowance to noncurrent loans | 183.5476% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 2,447 |
| Noncurrent loans to loans | 0.6378% | 2,916 |
| Net loans and leases to total assets | 69.9048% | 2,398 |
| Net loans and leases to deposits | 80.2709% | 2,714 |
| Net loans and leases to core deposits | 85.2548% | 2,789 |
| Total domestic deposits to total assets | 87.0862% | 2,170 |
| Equity capital to assets | 12.3879% | 1,608 |
| Core capital (leverage) ratio | 12.4771% | 1,352 |
| Tier 1 risk-based capital ratio | 16.3283% | 2,425 |
| Total risk-based capital ratio | 17.4265% | 2,428 |
| Memoranda: | ||
| Average total assets | $169,041,500 | 3,322 |
| Average earning assets | $158,203,000 | 3,295 |
| Average equity | $21,451,000 | 3,038 |
| Average total loans | $123,337,500 | 3,068 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 1,909 |
| Cost of funding earning assets | 0.3862% | 3,144 |
| Net interest margin | 3.9852% | 1,671 |
| Noninterest income to average assets | 0.7864% | 1,801 |
| Noninterest expense to average assets | 2.9017% | 2,661 |
| Loan and lease loss provision to assets | 0.0763% | 2,834 |
| Net operating income to assets | 1.5350% | 774 |
| Return on assets (ROA) | 1.5790% | 743 |
| Pretax return on assets | 1.5796% | 1,343 |
| Return on Equity (ROE) | 12.0025% | 1,247 |
| Retained earnings to average equity (ytd only) | 3.2371% | 3,605 |
| Net charge-offs to loans | 0.3961% | 667 |
| Credit loss provision to net charge-offs | 25.8264% | 3,626 |
| Earnings coverage of net charge-offs (x) | 5.4587% | 3,339 |
| Efficiency ratio | 63.8686% | 3,957 |
| Assets per employee ($millions) | 4.1410% | 3,721 |
| Cash dividends to net income (ytd only)* | 73.0294% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,740 |
| Loan loss allowance to noncurrent loans | 252.3105% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 2,838 |
| Noncurrent loans to loans | 0.4338% | 3,588 |
| Net loans and leases to total assets | 74.4603% | 1,773 |
| Net loans and leases to deposits | 86.6397% | 2,091 |
| Net loans and leases to core deposits | 93.6976% | 2,134 |
| Total domestic deposits to total assets | 85.9424% | 2,606 |
| Equity capital to assets | 13.0041% | 1,257 |
| Core capital (leverage) ratio | 13.2140% | 1,053 |
| Tier 1 risk-based capital ratio | 16.5850% | 2,312 |
| Total risk-based capital ratio | 17.6288% | 2,332 |
| Memoranda: | ||
| Average total assets | $163,903,600 | 3,356 |
| Average earning assets | $153,293,400 | 3,333 |
| Average equity | $21,562,200 | 3,014 |
| Average total loans | $122,185,400 | 3,033 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 1,952 |
| Cost of funding earning assets | 0.3978% | 3,044 |
| Net interest margin | 3.9697% | 1,746 |
| Noninterest income to average assets | 0.8352% | 1,625 |
| Noninterest expense to average assets | 2.9142% | 2,598 |
| Loan and lease loss provision to assets | 0.0530% | 3,198 |
| Net operating income to assets | 1.5782% | 764 |
| Return on assets (ROA) | 1.6370% | 711 |
| Pretax return on assets | 1.6378% | 1,279 |
| Return on Equity (ROE) | 12.4071% | 1,202 |
| Retained earnings to average equity (ytd only) | 2.3924% | 4,486 |
| Net charge-offs to loans | 0.1020% | 1,928 |
| Credit loss provision to net charge-offs | 69.8925% | 2,790 |
| Earnings coverage of net charge-offs (x) | 21.5156% | 1,817 |
| Efficiency ratio | 63.7065% | 3,967 |
| Assets per employee ($millions) | 4.2336% | 3,536 |
| Cash dividends to net income (ytd only)* | 80.7177% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,290 |
| Loan loss allowance to noncurrent loans | 388.1007% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 3,207 |
| Noncurrent loans to loans | 0.3557% | 3,983 |
| Net loans and leases to total assets | 73.3888% | 1,969 |
| Net loans and leases to deposits | 85.3722% | 2,328 |
| Net loans and leases to core deposits | 91.0090% | 2,478 |
| Total domestic deposits to total assets | 85.9634% | 2,377 |
| Equity capital to assets | 13.3335% | 1,328 |
| Core capital (leverage) ratio | 13.0159% | 1,191 |
| Tier 1 risk-based capital ratio | 16.6639% | 2,352 |
| Total risk-based capital ratio | 17.9147% | 2,300 |
| Memoranda: | ||
| Average total assets | $163,469,500 | 3,378 |
| Average earning assets | $152,820,000 | 3,355 |
| Average equity | $21,567,750 | 3,040 |
| Average total loans | $121,556,500 | 3,045 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,060 |
| Cost of funding earning assets | 0.4063% | 2,972 |
| Net interest margin | 3.9216% | 1,911 |
| Noninterest income to average assets | 0.7599% | 1,890 |
| Noninterest expense to average assets | 2.9474% | 2,525 |
| Loan and lease loss provision to assets | 0.0466% | 3,214 |
| Net operating income to assets | 1.4286% | 1,012 |
| Return on assets (ROA) | 1.5161% | 911 |
| Pretax return on assets | 1.5271% | 1,596 |
| Return on Equity (ROE) | 11.5320% | 1,467 |
| Retained earnings to average equity (ytd only) | -1.0738% | 5,447 |
| Net charge-offs to loans | 0.0066% | 3,459 |
| Credit loss provision to net charge-offs | 950.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 302.5000% | 224 |
| Efficiency ratio | 66.1590% | 3,658 |
| Assets per employee ($millions) | 4.2546% | 3,460 |
| Cash dividends to net income (ytd only)* | 109.3117% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 2,177 |
| Loan loss allowance to noncurrent loans | 303.1034% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 3,207 |
| Noncurrent loans to loans | 0.4706% | 3,674 |
| Net loans and leases to total assets | 73.2187% | 1,977 |
| Net loans and leases to deposits | 84.5784% | 2,399 |
| Net loans and leases to core deposits | 90.2722% | 2,510 |
| Total domestic deposits to total assets | 86.5690% | 2,126 |
| Equity capital to assets | 13.0477% | 1,475 |
| Core capital (leverage) ratio | 12.5965% | 1,303 |
| Tier 1 risk-based capital ratio | 16.5149% | 2,419 |
| Total risk-based capital ratio | 17.7665% | 2,368 |
| Memoranda: | ||
| Average total assets | $162,922,330 | 3,401 |
| Average earning assets | $152,592,670 | 3,376 |
| Average equity | $21,418,670 | 3,058 |
| Average total loans | $121,119,000 | 3,060 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,028 |
| Cost of funding earning assets | 0.4206% | 2,856 |
| Net interest margin | 3.9102% | 1,906 |
| Noninterest income to average assets | 0.6517% | 2,260 |
| Noninterest expense to average assets | 3.0381% | 2,277 |
| Loan and lease loss provision to assets | 0.0496% | 2,938 |
| Net operating income to assets | 1.2129% | 1,514 |
| Return on assets (ROA) | 1.3307% | 1,266 |
| Pretax return on assets | 1.3456% | 2,108 |
| Return on Equity (ROE) | 10.0831% | 1,951 |
| Retained earnings to average equity (ytd only) | -10.1957% | 5,807 |
| Net charge-offs to loans | 0.0133% | 2,679 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 128.7500% | 453 |
| Efficiency ratio | 70.2470% | 3,073 |
| Assets per employee ($millions) | 4.2219% | 3,544 |
| Cash dividends to net income (ytd only)* | 201.1173% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 2,173 |
| Loan loss allowance to noncurrent loans | 288.5572% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 3,192 |
| Noncurrent loans to loans | 0.5046% | 3,665 |
| Net loans and leases to total assets | 71.5247% | 2,109 |
| Net loans and leases to deposits | 82.4892% | 2,485 |
| Net loans and leases to core deposits | 87.9037% | 2,574 |
| Total domestic deposits to total assets | 86.7080% | 2,354 |
| Equity capital to assets | 12.7904% | 1,515 |
| Core capital (leverage) ratio | 12.6397% | 1,288 |
| Tier 1 risk-based capital ratio | 16.5621% | 2,453 |
| Total risk-based capital ratio | 17.8138% | 2,406 |
| Memoranda: | ||
| Average total assets | $161,419,000 | 3,428 |
| Average earning assets | $151,195,500 | 3,408 |
| Average equity | $21,303,000 | 3,076 |
| Average total loans | $120,054,000 | 3,087 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 1,689 |
| Cost of funding earning assets | 0.4121% | 3,034 |
| Net interest margin | 4.0576% | 1,541 |
| Noninterest income to average assets | 0.7691% | 1,902 |
| Noninterest expense to average assets | 2.7062% | 3,560 |
| Loan and lease loss provision to assets | 0.0655% | 2,977 |
| Net operating income to assets | 1.7636% | 512 |
| Return on assets (ROA) | 1.7766% | 517 |
| Pretax return on assets | 1.8035% | 801 |
| Return on Equity (ROE) | 13.0511% | 1,051 |
| Retained earnings to average equity (ytd only) | 4.9664% | 2,445 |
| Net charge-offs to loans | 0.0044% | 4,295 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 566.6000% | 115 |
| Efficiency ratio | 59.3194% | 4,992 |
| Assets per employee ($millions) | 4.7934% | 2,615 |
| Cash dividends to net income (ytd only)* | 61.9469% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 2,294 |
| Loan loss allowance to noncurrent loans | 271.4961% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 3,033 |
| Noncurrent loans to loans | 0.5265% | 3,584 |
| Net loans and leases to total assets | 75.1503% | 1,542 |
| Net loans and leases to deposits | 94.5321% | 1,152 |
| Net loans and leases to core deposits | 105.6742% | 1,117 |
| Total domestic deposits to total assets | 79.4972% | 4,868 |
| Equity capital to assets | 13.6209% | 1,076 |
| Core capital (leverage) ratio | 13.5322% | 954 |
| Tier 1 risk-based capital ratio | 17.0694% | 2,257 |
| Total risk-based capital ratio | 18.3209% | 2,214 |
| Memoranda: | ||
| Average total assets | $152,650,200 | 3,530 |
| Average earning assets | $142,695,000 | 3,504 |
| Average equity | $20,779,800 | 3,098 |
| Average total loans | $114,787,000 | 3,124 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 1,710 |
| Cost of funding earning assets | 0.4248% | 2,963 |
| Net interest margin | 4.0404% | 1,582 |
| Noninterest income to average assets | 0.7554% | 2,002 |
| Noninterest expense to average assets | 2.6381% | 3,752 |
| Loan and lease loss provision to assets | 0.0573% | 3,040 |
| Net operating income to assets | 1.8037% | 516 |
| Return on assets (ROA) | 1.8210% | 519 |
| Pretax return on assets | 1.8501% | 805 |
| Return on Equity (ROE) | 13.3795% | 1,034 |
| Retained earnings to average equity (ytd only) | 4.2482% | 3,443 |
| Net charge-offs to loans | 0.0024% | 4,102 |
| Credit loss provision to net charge-offs | 3,250.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 1,070.6367% | 67 |
| Efficiency ratio | 58.2636% | 5,089 |
| Assets per employee ($millions) | 4.5117% | 2,994 |
| Cash dividends to net income (ytd only)* | 68.2477% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 2,383 |
| Loan loss allowance to noncurrent loans | 313.3333% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 3,129 |
| Noncurrent loans to loans | 0.4615% | 3,977 |
| Net loans and leases to total assets | 75.1729% | 1,513 |
| Net loans and leases to deposits | 91.4051% | 1,475 |
| Net loans and leases to core deposits | 102.1373% | 1,374 |
| Total domestic deposits to total assets | 82.2415% | 4,086 |
| Equity capital to assets | 13.7702% | 1,116 |
| Core capital (leverage) ratio | 13.5455% | 1,000 |
| Tier 1 risk-based capital ratio | 17.3507% | 2,238 |
| Total risk-based capital ratio | 18.6024% | 2,185 |
| Memoranda: | ||
| Average total assets | $151,267,000 | 3,581 |
| Average earning assets | $141,235,750 | 3,559 |
| Average equity | $20,588,250 | 3,141 |
| Average total loans | $113,334,000 | 3,176 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 1,754 |
| Cost of funding earning assets | 0.4390% | 2,852 |
| Net interest margin | 3.9898% | 1,665 |
| Noninterest income to average assets | 0.7877% | 1,833 |
| Noninterest expense to average assets | 2.6714% | 3,682 |
| Loan and lease loss provision to assets | 0.0664% | 2,786 |
| Net operating income to assets | 1.7341% | 590 |
| Return on assets (ROA) | 1.7601% | 582 |
| Pretax return on assets | 1.7947% | 904 |
| Return on Equity (ROE) | 12.9838% | 1,119 |
| Retained earnings to average equity (ytd only) | 1.8128% | 4,791 |
| Net charge-offs to loans | 0.0036% | 3,776 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 690.5000% | 90 |
| Efficiency ratio | 59.2866% | 5,077 |
| Assets per employee ($millions) | 4.3575% | 3,198 |
| Cash dividends to net income (ytd only)* | 86.0377% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 2,368 |
| Loan loss allowance to noncurrent loans | 261.6225% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 3,045 |
| Noncurrent loans to loans | 0.5668% | 3,749 |
| Net loans and leases to total assets | 73.0549% | 1,811 |
| Net loans and leases to deposits | 86.5269% | 2,002 |
| Net loans and leases to core deposits | 96.6633% | 1,747 |
| Total domestic deposits to total assets | 84.4303% | 3,383 |
| Equity capital to assets | 13.4224% | 1,208 |
| Core capital (leverage) ratio | 13.3868% | 1,019 |
| Tier 1 risk-based capital ratio | 17.1587% | 2,347 |
| Total risk-based capital ratio | 18.4109% | 2,295 |
| Memoranda: | ||
| Average total assets | $150,557,000 | 3,624 |
| Average earning assets | $140,309,330 | 3,597 |
| Average equity | $20,410,000 | 3,172 |
| Average total loans | $112,110,330 | 3,204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 1,677 |
| Cost of funding earning assets | 0.4651% | 2,619 |
| Net interest margin | 3.9593% | 1,690 |
| Noninterest income to average assets | 0.7782% | 1,796 |
| Noninterest expense to average assets | 2.6314% | 3,819 |
| Loan and lease loss provision to assets | 0.0936% | 2,131 |
| Net operating income to assets | 1.6928% | 601 |
| Return on assets (ROA) | 1.6928% | 627 |
| Pretax return on assets | 1.7409% | 963 |
| Return on Equity (ROE) | 12.4242% | 1,237 |
| Retained earnings to average equity (ytd only) | -4.6517% | 5,912 |
| Net charge-offs to loans | -0.0108% | 4,747 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9222% | 5,233 |
| Assets per employee ($millions) | 4.4305% | 3,161 |
| Cash dividends to net income (ytd only)* | 137.4408% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 2,450 |
| Loan loss allowance to noncurrent loans | 234.4585% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 2,991 |
| Noncurrent loans to loans | 0.6392% | 3,671 |
| Net loans and leases to total assets | 72.7336% | 1,693 |
| Net loans and leases to deposits | 84.7348% | 1,982 |
| Net loans and leases to core deposits | 94.8417% | 1,704 |
| Total domestic deposits to total assets | 85.8367% | 3,022 |
| Equity capital to assets | 13.4935% | 1,172 |
| Core capital (leverage) ratio | 13.2321% | 1,074 |
| Tier 1 risk-based capital ratio | 17.0345% | 2,470 |
| Total risk-based capital ratio | 18.2869% | 2,424 |
| Memoranda: | ||
| Average total assets | $149,578,500 | 3,662 |
| Average earning assets | $139,316,500 | 3,637 |
| Average equity | $20,379,500 | 3,190 |
| Average total loans | $111,617,500 | 3,234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,830 |
| Cost of funding earning assets | 0.4812% | 2,867 |
| Net interest margin | 4.0288% | 1,810 |
| Noninterest income to average assets | 0.7520% | 2,068 |
| Noninterest expense to average assets | 2.8048% | 3,460 |
| Loan and lease loss provision to assets | 0.1313% | 1,995 |
| Net operating income to assets | 1.5761% | 742 |
| Return on assets (ROA) | 1.6515% | 663 |
| Pretax return on assets | 1.6569% | 1,080 |
| Return on Equity (ROE) | 12.5755% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.8844% | 732 |
| Net charge-offs to loans | 0.3391% | 1,293 |
| Credit loss provision to net charge-offs | 52.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | 6.7840% | 3,139 |
| Efficiency ratio | 62.0864% | 4,903 |
| Assets per employee ($millions) | 4.4977% | 3,044 |
| Cash dividends to net income (ytd only)* | 29.3518% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,675 |
| Loan loss allowance to noncurrent loans | 236.4296% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 3,073 |
| Noncurrent loans to loans | 0.6152% | 3,839 |
| Net loans and leases to total assets | 74.3658% | 1,523 |
| Net loans and leases to deposits | 86.8111% | 1,867 |
| Net loans and leases to core deposits | 100.8074% | 1,336 |
| Total domestic deposits to total assets | 85.6639% | 3,003 |
| Equity capital to assets | 13.7667% | 1,040 |
| Core capital (leverage) ratio | 13.5613% | 955 |
| Tier 1 risk-based capital ratio | 17.7375% | 2,224 |
| Total risk-based capital ratio | 18.9900% | 2,188 |
| Memoranda: | ||
| Average total assets | $148,529,600 | 3,653 |
| Average earning assets | $138,823,800 | 3,620 |
| Average equity | $19,506,200 | 3,214 |
| Average total loans | $110,598,600 | 3,206 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,889 |
| Cost of funding earning assets | 0.4929% | 2,838 |
| Net interest margin | 4.0013% | 1,874 |
| Noninterest income to average assets | 0.6929% | 2,365 |
| Noninterest expense to average assets | 2.7428% | 3,658 |
| Loan and lease loss provision to assets | 0.1256% | 1,992 |
| Net operating income to assets | 1.5653% | 816 |
| Return on assets (ROA) | 1.6092% | 769 |
| Pretax return on assets | 1.6137% | 1,285 |
| Return on Equity (ROE) | 12.4030% | 1,368 |
| Retained earnings to average equity (ytd only) | 9.0826% | 969 |
| Net charge-offs to loans | 0.4523% | 869 |
| Credit loss provision to net charge-offs | 37.4332% | 3,329 |
| Earnings coverage of net charge-offs (x) | 5.0508% | 3,330 |
| Efficiency ratio | 61.7998% | 4,912 |
| Assets per employee ($millions) | 4.5109% | 2,951 |
| Cash dividends to net income (ytd only)* | 26.7706% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 3,088 |
| Loan loss allowance to noncurrent loans | 222.4576% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 2,813 |
| Noncurrent loans to loans | 0.6374% | 4,019 |
| Net loans and leases to total assets | 73.5642% | 1,589 |
| Net loans and leases to deposits | 85.5497% | 1,960 |
| Net loans and leases to core deposits | 98.7902% | 1,467 |
| Total domestic deposits to total assets | 85.9901% | 2,846 |
| Equity capital to assets | 13.4779% | 1,190 |
| Core capital (leverage) ratio | 13.1267% | 1,128 |
| Tier 1 risk-based capital ratio | 17.5598% | 2,374 |
| Total risk-based capital ratio | 18.8120% | 2,331 |
| Memoranda: | ||
| Average total assets | $148,556,250 | 3,684 |
| Average earning assets | $139,050,000 | 3,646 |
| Average equity | $19,274,500 | 3,258 |
| Average total loans | $110,247,000 | 3,232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,904 |
| Cost of funding earning assets | 0.5031% | 2,802 |
| Net interest margin | 3.9745% | 1,890 |
| Noninterest income to average assets | 0.7356% | 2,108 |
| Noninterest expense to average assets | 2.7402% | 3,728 |
| Loan and lease loss provision to assets | 0.1078% | 2,213 |
| Net operating income to assets | 1.6086% | 694 |
| Return on assets (ROA) | 1.6153% | 710 |
| Pretax return on assets | 1.6193% | 1,205 |
| Return on Equity (ROE) | 12.6133% | 1,278 |
| Retained earnings to average equity (ytd only) | 7.5638% | 1,494 |
| Net charge-offs to loans | 0.1928% | 1,872 |
| Credit loss provision to net charge-offs | 75.4717% | 2,383 |
| Earnings coverage of net charge-offs (x) | 12.0472% | 2,094 |
| Efficiency ratio | 61.4316% | 5,085 |
| Assets per employee ($millions) | 4.2129% | 3,434 |
| Cash dividends to net income (ytd only)* | 40.0334% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 2,380 |
| Loan loss allowance to noncurrent loans | 171.1132% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.2877% | 2,541 |
| Noncurrent loans to loans | 0.9488% | 3,349 |
| Net loans and leases to total assets | 71.2336% | 1,878 |
| Net loans and leases to deposits | 82.1247% | 2,241 |
| Net loans and leases to core deposits | 94.1646% | 1,758 |
| Total domestic deposits to total assets | 86.7384% | 2,617 |
| Equity capital to assets | 12.7869% | 1,496 |
| Core capital (leverage) ratio | 12.7693% | 1,253 |
| Tier 1 risk-based capital ratio | 17.0679% | 2,590 |
| Total risk-based capital ratio | 18.3193% | 2,554 |
| Memoranda: | ||
| Average total assets | $148,455,330 | 3,704 |
| Average earning assets | $139,135,330 | 3,665 |
| Average equity | $19,011,670 | 3,286 |
| Average total loans | $109,968,670 | 3,245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,862 |
| Cost of funding earning assets | 0.5222% | 2,689 |
| Net interest margin | 3.9602% | 1,887 |
| Noninterest income to average assets | 0.7082% | 2,135 |
| Noninterest expense to average assets | 2.6639% | 4,062 |
| Loan and lease loss provision to assets | 0.2179% | 1,043 |
| Net operating income to assets | 1.5417% | 746 |
| Return on assets (ROA) | 1.5417% | 778 |
| Pretax return on assets | 1.5444% | 1,304 |
| Return on Equity (ROE) | 12.0291% | 1,398 |
| Retained earnings to average equity (ytd only) | 6.9284% | 2,078 |
| Net charge-offs to loans | 0.1200% | 2,006 |
| Credit loss provision to net charge-offs | 242.4242% | 923 |
| Earnings coverage of net charge-offs (x) | 19.6061% | 1,367 |
| Efficiency ratio | 60.1846% | 5,379 |
| Assets per employee ($millions) | 4.3911% | 3,164 |
| Cash dividends to net income (ytd only)* | 42.4028% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 2,362 |
| Loan loss allowance to noncurrent loans | 75.1113% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.2988% | 1,425 |
| Noncurrent loans to loans | 2.2613% | 1,596 |
| Net loans and leases to total assets | 71.9497% | 1,584 |
| Net loans and leases to deposits | 83.0753% | 1,938 |
| Net loans and leases to core deposits | 94.9476% | 1,473 |
| Total domestic deposits to total assets | 86.6078% | 3,041 |
| Equity capital to assets | 12.7813% | 1,409 |
| Core capital (leverage) ratio | 12.8037% | 1,244 |
| Tier 1 risk-based capital ratio | 17.0019% | 2,690 |
| Total risk-based capital ratio | 18.2571% | 2,642 |
| Memoranda: | ||
| Average total assets | $146,851,500 | 3,757 |
| Average earning assets | $137,870,500 | 3,699 |
| Average equity | $18,821,000 | 3,309 |
| Average total loans | $110,044,000 | 3,261 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 1,607 |
| Cost of funding earning assets | 0.6140% | 2,535 |
| Net interest margin | 4.0723% | 1,727 |
| Noninterest income to average assets | 0.7457% | 2,309 |
| Noninterest expense to average assets | 2.8105% | 3,685 |
| Loan and lease loss provision to assets | 0.1181% | 2,840 |
| Net operating income to assets | 1.6242% | 658 |
| Return on assets (ROA) | 1.6527% | 644 |
| Pretax return on assets | 1.6527% | 1,046 |
| Return on Equity (ROE) | 14.3217% | 883 |
| Retained earnings to average equity (ytd only) | 8.2148% | 983 |
| Net charge-offs to loans | 0.3206% | 2,077 |
| Credit loss provision to net charge-offs | 49.4186% | 3,833 |
| Earnings coverage of net charge-offs (x) | 7.2878% | 2,878 |
| Efficiency ratio | 61.7310% | 5,253 |
| Assets per employee ($millions) | 4.3760% | 3,128 |
| Cash dividends to net income (ytd only)* | 42.6409% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 2,640 |
| Loan loss allowance to noncurrent loans | 234.9351% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 3,002 |
| Noncurrent loans to loans | 0.6949% | 4,241 |
| Net loans and leases to total assets | 75.4846% | 1,152 |
| Net loans and leases to deposits | 88.2074% | 1,436 |
| Net loans and leases to core deposits | 103.6849% | 930 |
| Total domestic deposits to total assets | 85.5762% | 3,471 |
| Equity capital to assets | 12.8526% | 1,343 |
| Core capital (leverage) ratio | 13.0332% | 1,129 |
| Tier 1 risk-based capital ratio | 16.5690% | 2,814 |
| Total risk-based capital ratio | 17.8235% | 2,783 |
| Memoranda: | ||
| Average total assets | $143,888,800 | 3,813 |
| Average earning assets | $134,518,400 | 3,742 |
| Average equity | $16,604,200 | 3,614 |
| Average total loans | $107,308,600 | 3,298 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 1,805 |
| Cost of funding earning assets | 0.6415% | 2,441 |
| Net interest margin | 3.9868% | 1,989 |
| Noninterest income to average assets | 0.7540% | 2,350 |
| Noninterest expense to average assets | 2.7694% | 3,764 |
| Loan and lease loss provision to assets | 0.1484% | 2,420 |
| Net operating income to assets | 1.5600% | 811 |
| Return on assets (ROA) | 1.5980% | 797 |
| Pretax return on assets | 1.5980% | 1,340 |
| Return on Equity (ROE) | 14.2553% | 936 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,504 |
| Net charge-offs to loans | 0.2994% | 2,037 |
| Credit loss provision to net charge-offs | 66.9456% | 3,133 |
| Earnings coverage of net charge-offs (x) | 7.7071% | 2,750 |
| Efficiency ratio | 61.8476% | 5,158 |
| Assets per employee ($millions) | 4.1761% | 3,474 |
| Cash dividends to net income (ytd only)* | 58.8509% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 2,424 |
| Loan loss allowance to noncurrent loans | 188.3284% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 2,928 |
| Noncurrent loans to loans | 0.9343% | 3,949 |
| Net loans and leases to total assets | 74.8727% | 1,146 |
| Net loans and leases to deposits | 86.2102% | 1,594 |
| Net loans and leases to core deposits | 100.3189% | 1,092 |
| Total domestic deposits to total assets | 86.8490% | 2,776 |
| Equity capital to assets | 12.6432% | 1,506 |
| Core capital (leverage) ratio | 12.6331% | 1,356 |
| Tier 1 risk-based capital ratio | 16.4375% | 2,971 |
| Total risk-based capital ratio | 17.6936% | 2,932 |
| Memoranda: | ||
| Average total assets | $143,759,250 | 3,852 |
| Average earning assets | $134,274,250 | 3,786 |
| Average equity | $16,115,250 | 3,725 |
| Average total loans | $106,432,250 | 3,338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,643 |
| Cost of funding earning assets | 0.6572% | 2,439 |
| Net interest margin | 4.0157% | 1,805 |
| Noninterest income to average assets | 0.7537% | 2,397 |
| Noninterest expense to average assets | 2.7849% | 3,722 |
| Loan and lease loss provision to assets | 0.1524% | 2,415 |
| Net operating income to assets | 1.5670% | 792 |
| Return on assets (ROA) | 1.5670% | 860 |
| Pretax return on assets | 1.5670% | 1,448 |
| Return on Equity (ROE) | 14.5907% | 891 |
| Retained earnings to average equity (ytd only) | 1.5094% | 5,265 |
| Net charge-offs to loans | 0.3383% | 1,832 |
| Credit loss provision to net charge-offs | 61.4525% | 2,990 |
| Earnings coverage of net charge-offs (x) | 6.9330% | 2,625 |
| Efficiency ratio | 61.8271% | 5,196 |
| Assets per employee ($millions) | 4.0422% | 3,703 |
| Cash dividends to net income (ytd only)* | 89.6552% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 2,481 |
| Loan loss allowance to noncurrent loans | 231.7191% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 4,047 |
| Noncurrent loans to loans | 0.7706% | 4,378 |
| Net loans and leases to total assets | 74.4107% | 1,192 |
| Net loans and leases to deposits | 83.8162% | 1,823 |
| Net loans and leases to core deposits | 100.1313% | 1,070 |
| Total domestic deposits to total assets | 88.7784% | 1,741 |
| Equity capital to assets | 10.7593% | 2,989 |
| Core capital (leverage) ratio | 10.4649% | 2,929 |
| Tier 1 risk-based capital ratio | 14.3011% | 4,225 |
| Total risk-based capital ratio | 15.5575% | 4,173 |
| Memoranda: | ||
| Average total assets | $144,349,330 | 3,865 |
| Average earning assets | $134,820,670 | 3,808 |
| Average equity | $15,503,000 | 3,854 |
| Average total loans | $105,838,000 | 3,359 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,543 |
| Cost of funding earning assets | 0.6652% | 2,525 |
| Net interest margin | 4.0321% | 1,672 |
| Noninterest income to average assets | 0.7381% | 2,385 |
| Noninterest expense to average assets | 2.7026% | 4,045 |
| Loan and lease loss provision to assets | 0.1646% | 2,221 |
| Net operating income to assets | 1.6298% | 667 |
| Return on assets (ROA) | 1.6298% | 730 |
| Pretax return on assets | 1.6298% | 1,238 |
| Return on Equity (ROE) | 15.1884% | 724 |
| Retained earnings to average equity (ytd only) | -6.5203% | 6,444 |
| Net charge-offs to loans | 0.2701% | 1,877 |
| Credit loss provision to net charge-offs | 84.5070% | 2,101 |
| Earnings coverage of net charge-offs (x) | 9.2113% | 1,870 |
| Efficiency ratio | 60.0976% | 5,577 |
| Assets per employee ($millions) | 4.4165% | 3,121 |
| Cash dividends to net income (ytd only)* | 142.9293% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,377 |
| Loan loss allowance to noncurrent loans | 256.1039% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 4,401 |
| Noncurrent loans to loans | 0.7324% | 4,668 |
| Net loans and leases to total assets | 68.7054% | 1,891 |
| Net loans and leases to deposits | 77.0664% | 2,477 |
| Net loans and leases to core deposits | 90.7714% | 1,632 |
| Total domestic deposits to total assets | 89.1509% | 1,597 |
| Equity capital to assets | 10.3296% | 3,756 |
| Core capital (leverage) ratio | 10.2845% | 3,032 |
| Tier 1 risk-based capital ratio | 14.4918% | 4,180 |
| Total risk-based capital ratio | 15.7501% | 4,142 |
| Memoranda: | ||
| Average total assets | $145,785,500 | 3,884 |
| Average earning assets | $135,908,500 | 3,828 |
| Average equity | $15,643,500 | 3,884 |
| Average total loans | $105,163,000 | 3,395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,859 |
| Cost of funding earning assets | 0.7637% | 2,973 |
| Net interest margin | 4.1297% | 1,888 |
| Noninterest income to average assets | 0.8573% | 2,002 |
| Noninterest expense to average assets | 2.7047% | 4,383 |
| Loan and lease loss provision to assets | 0.2282% | 2,849 |
| Net operating income to assets | 1.7874% | 521 |
| Return on assets (ROA) | 1.8980% | 484 |
| Pretax return on assets | 1.8994% | 757 |
| Return on Equity (ROE) | 17.5320% | 485 |
| Retained earnings to average equity (ytd only) | 5.3169% | 2,492 |
| Net charge-offs to loans | 0.2230% | 3,611 |
| Credit loss provision to net charge-offs | 137.3391% | 2,011 |
| Earnings coverage of net charge-offs (x) | 12.1373% | 1,961 |
| Efficiency ratio | 57.2810% | 5,922 |
| Assets per employee ($millions) | 4.1591% | 3,639 |
| Cash dividends to net income (ytd only)* | 69.6731% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,338 |
| Loan loss allowance to noncurrent loans | 171.9861% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 3,738 |
| Noncurrent loans to loans | 1.0962% | 4,015 |
| Net loans and leases to total assets | 72.9809% | 1,337 |
| Net loans and leases to deposits | 82.6298% | 1,917 |
| Net loans and leases to core deposits | 98.3495% | 1,123 |
| Total domestic deposits to total assets | 88.3227% | 2,013 |
| Equity capital to assets | 11.1561% | 2,783 |
| Core capital (leverage) ratio | 10.8599% | 2,379 |
| Tier 1 risk-based capital ratio | 15.0864% | 3,675 |
| Total risk-based capital ratio | 16.3450% | 3,616 |
| Memoranda: | ||
| Average total assets | $140,202,200 | 3,948 |
| Average earning assets | $131,194,800 | 3,866 |
| Average equity | $15,178,000 | 3,923 |
| Average total loans | $104,465,800 | 3,413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 1,932 |
| Cost of funding earning assets | 0.7852% | 3,073 |
| Net interest margin | 4.1369% | 1,947 |
| Noninterest income to average assets | 0.8720% | 1,933 |
| Noninterest expense to average assets | 2.6904% | 4,403 |
| Loan and lease loss provision to assets | 0.2144% | 2,926 |
| Net operating income to assets | 1.8365% | 530 |
| Return on assets (ROA) | 1.8365% | 596 |
| Pretax return on assets | 1.8384% | 970 |
| Return on Equity (ROE) | 17.0960% | 598 |
| Retained earnings to average equity (ytd only) | 3.5576% | 4,372 |
| Net charge-offs to loans | 0.2851% | 3,016 |
| Credit loss provision to net charge-offs | 100.8969% | 2,928 |
| Earnings coverage of net charge-offs (x) | 9.6591% | 2,290 |
| Efficiency ratio | 56.7209% | 5,959 |
| Assets per employee ($millions) | 4.1127% | 3,659 |
| Cash dividends to net income (ytd only)* | 79.1906% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 2,905 |
| Loan loss allowance to noncurrent loans | 108.0866% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6956% | 3,047 |
| Noncurrent loans to loans | 1.6351% | 3,344 |
| Net loans and leases to total assets | 75.4432% | 1,056 |
| Net loans and leases to deposits | 85.3213% | 1,684 |
| Net loans and leases to core deposits | 102.0074% | 984 |
| Total domestic deposits to total assets | 88.4225% | 1,776 |
| Equity capital to assets | 11.1020% | 3,147 |
| Core capital (leverage) ratio | 10.5761% | 2,824 |
| Tier 1 risk-based capital ratio | 13.6109% | 4,801 |
| Total risk-based capital ratio | 14.8669% | 4,763 |
| Memoranda: | ||
| Average total assets | $139,900,000 | 3,988 |
| Average earning assets | $130,915,750 | 3,917 |
| Average equity | $15,028,500 | 3,994 |
| Average total loans | $104,285,750 | 3,449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 1,907 |
| Cost of funding earning assets | 0.8074% | 3,134 |
| Net interest margin | 4.1501% | 1,905 |
| Noninterest income to average assets | 0.8791% | 1,864 |
| Noninterest expense to average assets | 2.6829% | 4,487 |
| Loan and lease loss provision to assets | 0.1930% | 3,160 |
| Net operating income to assets | 1.8796% | 481 |
| Return on assets (ROA) | 1.8796% | 551 |
| Pretax return on assets | 1.8825% | 876 |
| Return on Equity (ROE) | 17.6946% | 541 |
| Retained earnings to average equity (ytd only) | 0.0807% | 6,013 |
| Net charge-offs to loans | 0.4862% | 2,132 |
| Credit loss provision to net charge-offs | 53.7849% | 3,958 |
| Earnings coverage of net charge-offs (x) | 5.7849% | 2,754 |
| Efficiency ratio | 56.3833% | 6,075 |
| Assets per employee ($millions) | 4.2031% | 3,449 |
| Cash dividends to net income (ytd only)* | 99.5437% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 3,078 |
| Loan loss allowance to noncurrent loans | 143.2019% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 3,526 |
| Noncurrent loans to loans | 1.2131% | 4,130 |
| Net loans and leases to total assets | 70.4526% | 1,836 |
| Net loans and leases to deposits | 79.1275% | 2,506 |
| Net loans and leases to core deposits | 92.6245% | 1,715 |
| Total domestic deposits to total assets | 89.0368% | 1,474 |
| Equity capital to assets | 10.5314% | 3,650 |
| Core capital (leverage) ratio | 10.2415% | 3,101 |
| Tier 1 risk-based capital ratio | 14.9152% | 3,824 |
| Total risk-based capital ratio | 16.1724% | 3,766 |
| Memoranda: | ||
| Average total assets | $139,923,000 | 4,011 |
| Average earning assets | $130,793,330 | 3,944 |
| Average equity | $14,863,330 | 4,017 |
| Average total loans | $103,250,670 | 3,491 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 1,645 |
| Cost of funding earning assets | 0.8452% | 3,101 |
| Net interest margin | 4.2323% | 1,665 |
| Noninterest income to average assets | 0.9275% | 1,637 |
| Noninterest expense to average assets | 2.7971% | 4,045 |
| Loan and lease loss provision to assets | 0.2601% | 2,378 |
| Net operating income to assets | 1.8291% | 567 |
| Return on assets (ROA) | 1.8291% | 640 |
| Pretax return on assets | 1.8348% | 1,006 |
| Return on Equity (ROE) | 17.1429% | 650 |
| Retained earnings to average equity (ytd only) | -13.3514% | 6,942 |
| Net charge-offs to loans | -0.2238% | 7,015 |
| Credit loss provision to net charge-offs | -155.1724% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1766% | 6,021 |
| Assets per employee ($millions) | 4.2512% | 3,484 |
| Cash dividends to net income (ytd only)* | 177.8831% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 2,467 |
| Loan loss allowance to noncurrent loans | 109.8925% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 3,342 |
| Noncurrent loans to loans | 1.7882% | 3,428 |
| Net loans and leases to total assets | 70.5488% | 1,657 |
| Net loans and leases to deposits | 78.8811% | 2,357 |
| Net loans and leases to core deposits | 92.5025% | 1,596 |
| Total domestic deposits to total assets | 89.4369% | 1,405 |
| Equity capital to assets | 10.0414% | 4,075 |
| Core capital (leverage) ratio | 10.2767% | 3,023 |
| Tier 1 risk-based capital ratio | 14.2032% | 4,317 |
| Total risk-based capital ratio | 15.4636% | 4,282 |
| Memoranda: | ||
| Average total assets | $138,431,500 | 4,065 |
| Average earning assets | $129,669,500 | 3,994 |
| Average equity | $14,770,000 | 4,041 |
| Average total loans | $103,645,500 | 3,509 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 1,639 |
| Cost of funding earning assets | 1.0681% | 2,897 |
| Net interest margin | 4.2535% | 1,862 |
| Noninterest income to average assets | 0.9282% | 1,579 |
| Noninterest expense to average assets | 2.8058% | 4,325 |
| Loan and lease loss provision to assets | 0.3432% | 2,947 |
| Net operating income to assets | 1.7289% | 524 |
| Return on assets (ROA) | 1.7861% | 510 |
| Pretax return on assets | 1.7907% | 815 |
| Return on Equity (ROE) | 16.7095% | 506 |
| Retained earnings to average equity (ytd only) | 10.1241% | 534 |
| Net charge-offs to loans | 0.3353% | 3,718 |
| Credit loss provision to net charge-offs | 132.7434% | 2,290 |
| Earnings coverage of net charge-offs (x) | 8.0324% | 2,225 |
| Efficiency ratio | 57.4664% | 6,121 |
| Assets per employee ($millions) | 3.7806% | 4,365 |
| Cash dividends to net income (ytd only)* | 39.4108% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 2,756 |
| Loan loss allowance to noncurrent loans | 107.6050% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 3,592 |
| Noncurrent loans to loans | 1.7061% | 3,603 |
| Net loans and leases to total assets | 76.6154% | 876 |
| Net loans and leases to deposits | 87.3001% | 1,475 |
| Net loans and leases to core deposits | 104.3069% | 883 |
| Total domestic deposits to total assets | 87.7609% | 2,303 |
| Equity capital to assets | 11.3556% | 2,633 |
| Core capital (leverage) ratio | 11.1870% | 2,128 |
| Tier 1 risk-based capital ratio | 14.8430% | 3,731 |
| Total risk-based capital ratio | 16.1019% | 3,697 |
| Memoranda: | ||
| Average total assets | $131,120,200 | 4,144 |
| Average earning assets | $121,899,400 | 4,095 |
| Average equity | $14,016,000 | 4,103 |
| Average total loans | $101,105,800 | 3,591 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 1,786 |
| Cost of funding earning assets | 1.1313% | 2,765 |
| Net interest margin | 4.1893% | 2,146 |
| Noninterest income to average assets | 0.9611% | 1,446 |
| Noninterest expense to average assets | 2.7763% | 4,433 |
| Loan and lease loss provision to assets | 0.3873% | 2,536 |
| Net operating income to assets | 1.6827% | 662 |
| Return on assets (ROA) | 1.6990% | 691 |
| Pretax return on assets | 1.7051% | 1,139 |
| Return on Equity (ROE) | 16.1486% | 661 |
| Retained earnings to average equity (ytd only) | 8.9219% | 1,171 |
| Net charge-offs to loans | 0.3156% | 3,523 |
| Credit loss provision to net charge-offs | 159.6639% | 1,931 |
| Earnings coverage of net charge-offs (x) | 8.5587% | 2,158 |
| Efficiency ratio | 57.2149% | 6,114 |
| Assets per employee ($millions) | 3.6138% | 4,725 |
| Cash dividends to net income (ytd only)* | 44.7510% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8608% | 2,748 |
| Loan loss allowance to noncurrent loans | 110.4931% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.5827% | 3,718 |
| Noncurrent loans to loans | 1.6841% | 3,777 |
| Net loans and leases to total assets | 78.1177% | 696 |
| Net loans and leases to deposits | 89.6167% | 1,257 |
| Net loans and leases to core deposits | 103.2364% | 1,021 |
| Total domestic deposits to total assets | 87.1687% | 2,543 |
| Equity capital to assets | 11.2394% | 2,926 |
| Core capital (leverage) ratio | 10.6632% | 2,698 |
| Tier 1 risk-based capital ratio | 14.2031% | 4,199 |
| Total risk-based capital ratio | 15.4617% | 4,161 |
| Memoranda: | ||
| Average total assets | $130,819,750 | 4,185 |
| Average earning assets | $121,511,500 | 4,120 |
| Average equity | $13,763,500 | 4,171 |
| Average total loans | $100,563,500 | 3,634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 2,066 |
| Cost of funding earning assets | 1.2035% | 2,558 |
| Net interest margin | 4.0460% | 2,629 |
| Noninterest income to average assets | 0.9538% | 1,452 |
| Noninterest expense to average assets | 2.7422% | 4,652 |
| Loan and lease loss provision to assets | 0.3968% | 2,434 |
| Net operating income to assets | 1.5611% | 788 |
| Return on assets (ROA) | 1.5611% | 841 |
| Pretax return on assets | 1.5703% | 1,323 |
| Return on Equity (ROE) | 15.1810% | 767 |
| Retained earnings to average equity (ytd only) | 7.1824% | 1,795 |
| Net charge-offs to loans | 0.4098% | 2,913 |
| Credit loss provision to net charge-offs | 127.4510% | 2,398 |
| Earnings coverage of net charge-offs (x) | 6.3186% | 2,422 |
| Efficiency ratio | 58.2307% | 6,132 |
| Assets per employee ($millions) | 3.5684% | 4,757 |
| Cash dividends to net income (ytd only)* | 52.6882% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,958 |
| Loan loss allowance to noncurrent loans | 97.9776% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.6239% | 3,754 |
| Noncurrent loans to loans | 1.8473% | 3,684 |
| Net loans and leases to total assets | 75.6459% | 1,131 |
| Net loans and leases to deposits | 88.0679% | 1,489 |
| Net loans and leases to core deposits | 101.6508% | 1,198 |
| Total domestic deposits to total assets | 85.8950% | 3,378 |
| Equity capital to assets | 10.5771% | 3,409 |
| Core capital (leverage) ratio | 10.2326% | 2,997 |
| Tier 1 risk-based capital ratio | 14.0583% | 4,131 |
| Total risk-based capital ratio | 15.3165% | 4,095 |
| Memoranda: | ||
| Average total assets | $131,061,000 | 4,206 |
| Average earning assets | $121,650,000 | 4,153 |
| Average equity | $13,477,330 | 4,232 |
| Average total loans | $99,566,330 | 3,698 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 2,295 |
| Cost of funding earning assets | 1.2225% | 2,670 |
| Net interest margin | 3.9591% | 2,875 |
| Noninterest income to average assets | 0.8792% | 1,732 |
| Noninterest expense to average assets | 2.6682% | 4,966 |
| Loan and lease loss provision to assets | 0.4595% | 1,918 |
| Net operating income to assets | 1.3693% | 1,117 |
| Return on assets (ROA) | 1.3693% | 1,166 |
| Pretax return on assets | 1.4122% | 1,693 |
| Return on Equity (ROE) | 13.5112% | 1,088 |
| Retained earnings to average equity (ytd only) | 1.8136% | 5,027 |
| Net charge-offs to loans | 0.3696% | 2,589 |
| Credit loss provision to net charge-offs | 164.8352% | 1,760 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,059 |
| Efficiency ratio | 58.7719% | 6,162 |
| Assets per employee ($millions) | 3.7475% | 4,433 |
| Cash dividends to net income (ytd only)* | 86.5772% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 2,850 |
| Loan loss allowance to noncurrent loans | 80.4538% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.0257% | 3,289 |
| Noncurrent loans to loans | 2.3028% | 3,190 |
| Net loans and leases to total assets | 74.4785% | 1,271 |
| Net loans and leases to deposits | 87.0731% | 1,586 |
| Net loans and leases to core deposits | 101.6503% | 1,221 |
| Total domestic deposits to total assets | 85.5357% | 3,765 |
| Equity capital to assets | 10.1659% | 3,573 |
| Core capital (leverage) ratio | 10.0096% | 3,134 |
| Tier 1 risk-based capital ratio | 13.9576% | 4,099 |
| Total risk-based capital ratio | 15.2162% | 4,071 |
| Memoranda: | ||
| Average total assets | $130,576,000 | 4,245 |
| Average earning assets | $120,734,000 | 4,204 |
| Average equity | $13,233,500 | 4,285 |
| Average total loans | $98,491,000 | 3,759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5588% | 2,050 |
| Cost of funding earning assets | 1.3876% | 3,350 |
| Net interest margin | 4.1712% | 2,290 |
| Noninterest income to average assets | 1.1005% | 1,224 |
| Noninterest expense to average assets | 2.9442% | 4,057 |
| Loan and lease loss provision to assets | 0.3503% | 4,026 |
| Net operating income to assets | 1.5506% | 690 |
| Return on assets (ROA) | 1.5506% | 750 |
| Pretax return on assets | 1.6313% | 1,071 |
| Return on Equity (ROE) | 15.9249% | 593 |
| Retained earnings to average equity (ytd only) | 8.9480% | 720 |
| Net charge-offs to loans | 0.2538% | 4,763 |
| Credit loss provision to net charge-offs | 181.1024% | 1,825 |
| Earnings coverage of net charge-offs (x) | 10.2441% | 1,736 |
| Efficiency ratio | 59.7712% | 6,083 |
| Assets per employee ($millions) | 3.6108% | 4,671 |
| Cash dividends to net income (ytd only)* | 43.8114% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 2,753 |
| Loan loss allowance to noncurrent loans | 162.4204% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4240% | 4,210 |
| Noncurrent loans to loans | 1.1278% | 4,855 |
| Net loans and leases to total assets | 73.5945% | 1,748 |
| Net loans and leases to deposits | 86.2164% | 2,054 |
| Net loans and leases to core deposits | 102.2335% | 1,434 |
| Total domestic deposits to total assets | 85.3602% | 3,689 |
| Equity capital to assets | 10.1032% | 3,613 |
| Core capital (leverage) ratio | 10.1954% | 2,866 |
| Tier 1 risk-based capital ratio | 13.8584% | 3,960 |
| Total risk-based capital ratio | 15.1160% | 3,938 |
| Memoranda: | ||
| Average total assets | $131,307,200 | 4,229 |
| Average earning assets | $120,421,000 | 4,219 |
| Average equity | $12,785,000 | 4,397 |
| Average total loans | $100,066,800 | 3,789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 2,215 |
| Cost of funding earning assets | 1.4480% | 3,289 |
| Net interest margin | 4.1113% | 2,579 |
| Noninterest income to average assets | 1.1121% | 1,138 |
| Noninterest expense to average assets | 2.8694% | 4,207 |
| Loan and lease loss provision to assets | 0.3798% | 3,612 |
| Net operating income to assets | 1.5284% | 869 |
| Return on assets (ROA) | 1.5284% | 949 |
| Pretax return on assets | 1.6358% | 1,260 |
| Return on Equity (ROE) | 15.8446% | 726 |
| Retained earnings to average equity (ytd only) | 9.6391% | 883 |
| Net charge-offs to loans | 0.2714% | 4,320 |
| Credit loss provision to net charge-offs | 182.9268% | 1,990 |
| Earnings coverage of net charge-offs (x) | 9.7072% | 1,983 |
| Efficiency ratio | 58.7394% | 6,157 |
| Assets per employee ($millions) | 3.5400% | 4,880 |
| Cash dividends to net income (ytd only)* | 39.1650% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 3,038 |
| Loan loss allowance to noncurrent loans | 138.2609% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 4,083 |
| Noncurrent loans to loans | 1.2547% | 4,756 |
| Net loans and leases to total assets | 77.7387% | 1,082 |
| Net loans and leases to deposits | 90.9943% | 1,582 |
| Net loans and leases to core deposits | 107.6402% | 1,191 |
| Total domestic deposits to total assets | 85.4325% | 3,394 |
| Equity capital to assets | 10.4017% | 3,638 |
| Core capital (leverage) ratio | 9.9856% | 3,269 |
| Tier 1 risk-based capital ratio | 13.3279% | 4,333 |
| Total risk-based capital ratio | 14.5846% | 4,292 |
| Memoranda: | ||
| Average total assets | $131,637,000 | 4,285 |
| Average earning assets | $120,803,500 | 4,268 |
| Average equity | $12,698,000 | 4,501 |
| Average total loans | $100,721,250 | 3,844 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4453% | 2,770 |
| Cost of funding earning assets | 1.5024% | 3,245 |
| Net interest margin | 3.9429% | 3,269 |
| Noninterest income to average assets | 1.1290% | 1,032 |
| Noninterest expense to average assets | 2.9210% | 3,999 |
| Loan and lease loss provision to assets | 0.3383% | 3,705 |
| Net operating income to assets | 1.3245% | 1,247 |
| Return on assets (ROA) | 1.3245% | 1,322 |
| Pretax return on assets | 1.4838% | 1,599 |
| Return on Equity (ROE) | 14.0825% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.6886% | 1,558 |
| Net charge-offs to loans | 0.3297% | 3,674 |
| Credit loss provision to net charge-offs | 135.5422% | 2,956 |
| Earnings coverage of net charge-offs (x) | 7.3012% | 2,321 |
| Efficiency ratio | 61.5848% | 5,756 |
| Assets per employee ($millions) | 3.4224% | 5,114 |
| Cash dividends to net income (ytd only)* | 45.4030% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,262 |
| Loan loss allowance to noncurrent loans | 98.1426% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 3,361 |
| Noncurrent loans to loans | 1.6785% | 4,175 |
| Net loans and leases to total assets | 75.1961% | 1,650 |
| Net loans and leases to deposits | 88.5575% | 2,083 |
| Net loans and leases to core deposits | 99.8846% | 2,033 |
| Total domestic deposits to total assets | 84.9122% | 3,679 |
| Equity capital to assets | 9.7384% | 4,357 |
| Core capital (leverage) ratio | 9.6049% | 3,671 |
| Tier 1 risk-based capital ratio | 12.8781% | 4,543 |
| Total risk-based capital ratio | 14.1333% | 4,494 |
| Memoranda: | ||
| Average total assets | $133,035,670 | 4,277 |
| Average earning assets | $121,939,330 | 4,272 |
| Average equity | $12,512,000 | 4,544 |
| Average total loans | $100,688,330 | 3,873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5459% | 2,380 |
| Cost of funding earning assets | 1.5785% | 3,084 |
| Net interest margin | 3.9674% | 3,010 |
| Noninterest income to average assets | 1.4421% | 577 |
| Noninterest expense to average assets | 3.0239% | 3,584 |
| Loan and lease loss provision to assets | 0.3598% | 3,217 |
| Net operating income to assets | 1.3767% | 1,129 |
| Return on assets (ROA) | 1.3767% | 1,205 |
| Pretax return on assets | 1.6829% | 1,093 |
| Return on Equity (ROE) | 14.8928% | 898 |
| Retained earnings to average equity (ytd only) | 8.8456% | 1,446 |
| Net charge-offs to loans | 0.5093% | 2,543 |
| Credit loss provision to net charge-offs | 93.7984% | 3,567 |
| Earnings coverage of net charge-offs (x) | 5.3256% | 2,424 |
| Efficiency ratio | 59.6831% | 6,229 |
| Assets per employee ($millions) | 3.8900% | 4,121 |
| Cash dividends to net income (ytd only)* | 40.6048% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,456 |
| Loan loss allowance to noncurrent loans | 167.1277% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 4,244 |
| Noncurrent loans to loans | 0.9558% | 5,428 |
| Net loans and leases to total assets | 75.3846% | 1,664 |
| Net loans and leases to deposits | 89.6070% | 1,964 |
| Net loans and leases to core deposits | 96.4912% | 2,527 |
| Total domestic deposits to total assets | 84.1280% | 4,088 |
| Equity capital to assets | 9.7935% | 4,124 |
| Core capital (leverage) ratio | 8.9220% | 4,694 |
| Tier 1 risk-based capital ratio | 12.9529% | 4,371 |
| Total risk-based capital ratio | 14.2078% | 4,341 |
| Memoranda: | ||
| Average total assets | $134,527,500 | 4,317 |
| Average earning assets | $122,902,500 | 4,305 |
| Average equity | $12,435,500 | 4,607 |
| Average total loans | $101,316,500 | 3,914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 2,286 |
| Cost of funding earning assets | 2.0268% | 2,835 |
| Net interest margin | 3.8615% | 3,433 |
| Noninterest income to average assets | 0.8623% | 2,134 |
| Noninterest expense to average assets | 2.8833% | 4,594 |
| Loan and lease loss provision to assets | 0.5921% | 3,429 |
| Net operating income to assets | 0.8839% | 2,232 |
| Return on assets (ROA) | 0.9417% | 2,095 |
| Pretax return on assets | 0.9687% | 2,693 |
| Return on Equity (ROE) | 11.4191% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.6099% | 802 |
| Net charge-offs to loans | 0.5892% | 3,449 |
| Credit loss provision to net charge-offs | 131.9115% | 3,811 |
| Earnings coverage of net charge-offs (x) | 3.3444% | 3,384 |
| Efficiency ratio | 65.7610% | 5,440 |
| Assets per employee ($millions) | 3.6073% | 4,766 |
| Cash dividends to net income (ytd only)* | 33.3584% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,647 |
| Loan loss allowance to noncurrent loans | 119.4402% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 3,892 |
| Noncurrent loans to loans | 1.2676% | 4,812 |
| Net loans and leases to total assets | 73.0083% | 2,508 |
| Net loans and leases to deposits | 89.0506% | 2,378 |
| Net loans and leases to core deposits | 105.9980% | 3,333 |
| Total domestic deposits to total assets | 81.9852% | 4,952 |
| Equity capital to assets | 8.7423% | 5,528 |
| Core capital (leverage) ratio | 8.3554% | 5,531 |
| Tier 1 risk-based capital ratio | 11.6445% | 5,251 |
| Total risk-based capital ratio | 12.8987% | 5,203 |
| Memoranda: | ||
| Average total assets | $141,017,400 | 4,104 |
| Average earning assets | $128,629,400 | 4,117 |
| Average equity | $11,629,600 | 4,831 |
| Average total loans | $107,433,600 | 3,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9513% | 2,226 |
| Cost of funding earning assets | 2.1462% | 2,673 |
| Net interest margin | 3.8052% | 3,634 |
| Noninterest income to average assets | 0.8693% | 2,105 |
| Noninterest expense to average assets | 2.8905% | 4,497 |
| Loan and lease loss provision to assets | 0.5764% | 3,079 |
| Net operating income to assets | 0.8547% | 2,594 |
| Return on assets (ROA) | 0.9317% | 2,367 |
| Pretax return on assets | 0.9582% | 3,033 |
| Return on Equity (ROE) | 11.4692% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.5492% | 1,296 |
| Net charge-offs to loans | 0.5175% | 3,146 |
| Credit loss provision to net charge-offs | 145.2381% | 3,348 |
| Earnings coverage of net charge-offs (x) | 3.6666% | 3,434 |
| Efficiency ratio | 66.5145% | 5,285 |
| Assets per employee ($millions) | 3.5947% | 4,702 |
| Cash dividends to net income (ytd only)* | 34.1784% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,547 |
| Loan loss allowance to noncurrent loans | 146.8604% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.7205% | 3,792 |
| Noncurrent loans to loans | 1.0079% | 5,289 |
| Net loans and leases to total assets | 74.3919% | 2,411 |
| Net loans and leases to deposits | 92.4477% | 2,162 |
| Net loans and leases to core deposits | 111.2708% | 3,095 |
| Total domestic deposits to total assets | 80.4692% | 5,262 |
| Equity capital to assets | 8.6730% | 5,999 |
| Core capital (leverage) ratio | 8.1278% | 6,138 |
| Tier 1 risk-based capital ratio | 11.3738% | 5,567 |
| Total risk-based capital ratio | 12.6281% | 5,500 |
| Memoranda: | ||
| Average total assets | $141,100,750 | 4,112 |
| Average earning assets | $128,908,750 | 4,128 |
| Average equity | $11,462,250 | 4,932 |
| Average total loans | $108,219,500 | 3,766 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9802% | 2,265 |
| Cost of funding earning assets | 2.2497% | 2,577 |
| Net interest margin | 3.7305% | 3,829 |
| Noninterest income to average assets | 0.8882% | 2,030 |
| Noninterest expense to average assets | 2.8401% | 4,776 |
| Loan and lease loss provision to assets | 0.5445% | 2,845 |
| Net operating income to assets | 0.8874% | 2,505 |
| Return on assets (ROA) | 0.9052% | 2,538 |
| Pretax return on assets | 0.9321% | 3,234 |
| Return on Equity (ROE) | 11.3980% | 1,589 |
| Retained earnings to average equity (ytd only) | 5.9305% | 2,056 |
| Net charge-offs to loans | 0.6568% | 2,393 |
| Credit loss provision to net charge-offs | 107.5419% | 4,291 |
| Earnings coverage of net charge-offs (x) | 2.8799% | 3,660 |
| Efficiency ratio | 66.0744% | 5,535 |
| Assets per employee ($millions) | 3.4554% | 4,934 |
| Cash dividends to net income (ytd only)* | 47.9688% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,205 |
| Loan loss allowance to noncurrent loans | 121.6638% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 3,734 |
| Noncurrent loans to loans | 1.0775% | 5,050 |
| Net loans and leases to total assets | 74.6051% | 2,541 |
| Net loans and leases to deposits | 94.0940% | 2,073 |
| Net loans and leases to core deposits | 113.0685% | 3,011 |
| Total domestic deposits to total assets | 79.2878% | 5,723 |
| Equity capital to assets | 8.3038% | 6,325 |
| Core capital (leverage) ratio | 7.8088% | 6,602 |
| Tier 1 risk-based capital ratio | 10.9927% | 5,879 |
| Total risk-based capital ratio | 12.2442% | 5,816 |
| Memoranda: | ||
| Average total assets | $141,403,000 | 4,149 |
| Average earning assets | $129,259,330 | 4,149 |
| Average equity | $11,230,000 | 5,023 |
| Average total loans | $109,006,000 | 3,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0364% | 2,212 |
| Cost of funding earning assets | 2.3490% | 2,510 |
| Net interest margin | 3.6874% | 3,948 |
| Noninterest income to average assets | 0.8126% | 2,268 |
| Noninterest expense to average assets | 2.7862% | 4,611 |
| Loan and lease loss provision to assets | 0.4247% | 2,803 |
| Net operating income to assets | 0.9599% | 2,480 |
| Return on assets (ROA) | 0.9599% | 2,605 |
| Pretax return on assets | 0.9797% | 3,426 |
| Return on Equity (ROE) | 12.3689% | 1,550 |
| Retained earnings to average equity (ytd only) | 1.1676% | 5,171 |
| Net charge-offs to loans | 0.1419% | 3,826 |
| Credit loss provision to net charge-offs | 384.6154% | 1,339 |
| Earnings coverage of net charge-offs (x) | 12.7179% | 1,780 |
| Efficiency ratio | 66.4865% | 5,235 |
| Assets per employee ($millions) | 3.4603% | 4,914 |
| Cash dividends to net income (ytd only)* | 90.5605% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,702 |
| Loan loss allowance to noncurrent loans | 137.5231% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 5,086 |
| Noncurrent loans to loans | 0.9937% | 5,008 |
| Net loans and leases to total assets | 75.6982% | 2,344 |
| Net loans and leases to deposits | 96.8718% | 1,816 |
| Net loans and leases to core deposits | 117.7472% | 2,623 |
| Total domestic deposits to total assets | 78.1426% | 5,960 |
| Equity capital to assets | 7.9747% | 6,849 |
| Core capital (leverage) ratio | 7.5433% | 7,101 |
| Tier 1 risk-based capital ratio | 10.5009% | 6,397 |
| Total risk-based capital ratio | 11.7539% | 6,301 |
| Memoranda: | ||
| Average total assets | $141,269,500 | 4,163 |
| Average earning assets | $129,414,500 | 4,168 |
| Average equity | $10,963,000 | 5,118 |
| Average total loans | $109,960,500 | 3,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7569% | 1,841 |
| Cost of funding earning assets | 2.8687% | 2,400 |
| Net interest margin | 3.8883% | 3,623 |
| Noninterest income to average assets | 0.9016% | 1,949 |
| Noninterest expense to average assets | 2.8964% | 4,462 |
| Loan and lease loss provision to assets | 0.2802% | 4,149 |
| Net operating income to assets | 1.2491% | 1,633 |
| Return on assets (ROA) | 1.2660% | 1,529 |
| Pretax return on assets | 1.3052% | 2,294 |
| Return on Equity (ROE) | 16.2848% | 732 |
| Retained earnings to average equity (ytd only) | -2.0636% | 5,886 |
| Net charge-offs to loans | 0.2152% | 4,059 |
| Credit loss provision to net charge-offs | 163.5593% | 3,152 |
| Earnings coverage of net charge-offs (x) | 9.1525% | 2,747 |
| Efficiency ratio | 64.8780% | 5,354 |
| Assets per employee ($millions) | 3.4309% | 4,853 |
| Cash dividends to net income (ytd only)* | 112.6720% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 4,233 |
| Loan loss allowance to noncurrent loans | 122.9464% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 4,664 |
| Noncurrent loans to loans | 1.0087% | 4,567 |
| Net loans and leases to total assets | 77.9583% | 2,152 |
| Net loans and leases to deposits | 104.1504% | 1,326 |
| Net loans and leases to core deposits | 135.7296% | 1,505 |
| Total domestic deposits to total assets | 74.8516% | 6,486 |
| Equity capital to assets | 7.5442% | 7,349 |
| Core capital (leverage) ratio | 7.5783% | 7,105 |
| Tier 1 risk-based capital ratio | 10.0155% | 6,720 |
| Total risk-based capital ratio | 11.2668% | 6,593 |
| Memoranda: | ||
| Average total assets | $137,758,200 | 4,126 |
| Average earning assets | $126,226,400 | 4,125 |
| Average equity | $10,709,400 | 5,212 |
| Average total loans | $109,646,200 | 3,685 |