Home > Community First National Bank > Performance and Condition Ratios
Community First National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7458% | 1,581 |
| Cost of funding earning assets | 2.0514% | 1,779 |
| Net interest margin | 3.6944% | 1,894 |
| Noninterest income to average assets | 1.6400% | 320 |
| Noninterest expense to average assets | 3.3668% | 701 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.4867% | 1,123 |
| Return on assets (ROA) | 1.4867% | 1,118 |
| Pretax return on assets | 1.7739% | 991 |
| Return on Equity (ROE) | 13.9200% | 1,287 |
| Retained earnings to average equity (ytd only) | -5.5169% | 4,102 |
| Net charge-offs to loans | -0.0014% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.7803% | 2,382 |
| Assets per employee ($millions) | 4.9641% | 3,694 |
| Cash dividends to net income (ytd only)* | 139.6431% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 665 |
| Loan loss allowance to noncurrent loans | 113.5277% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 565 |
| Noncurrent loans to loans | 1.4883% | 658 |
| Net loans and leases to total assets | 78.4100% | 781 |
| Net loans and leases to deposits | 89.3502% | 1,154 |
| Net loans and leases to core deposits | 96.3610% | 1,608 |
| Total domestic deposits to total assets | 87.7600% | 1,632 |
| Equity capital to assets | 10.4469% | 1,948 |
| Core capital (leverage) ratio | 10.7242% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $346,797,500 | 2,274 |
| Average earning assets | $334,020,500 | 2,218 |
| Average equity | $37,050,000 | 2,150 |
| Average total loans | $278,693,000 | 1,975 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 1,471 |
| Cost of funding earning assets | 2.0145% | 2,184 |
| Net interest margin | 3.8608% | 1,414 |
| Noninterest income to average assets | 1.9100% | 271 |
| Noninterest expense to average assets | 3.5726% | 542 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.6333% | 736 |
| Return on assets (ROA) | 1.6333% | 729 |
| Pretax return on assets | 2.0006% | 604 |
| Return on Equity (ROE) | 15.4200% | 870 |
| Retained earnings to average equity (ytd only) | 5.7661% | 1,917 |
| Net charge-offs to loans | 0.0622% | 1,509 |
| Credit loss provision to net charge-offs | 122.6190% | 1,635 |
| Earnings coverage of net charge-offs (x) | 40.9762% | 1,327 |
| Efficiency ratio | 63.4005% | 2,781 |
| Assets per employee ($millions) | 5.1689% | 3,526 |
| Cash dividends to net income (ytd only)* | 62.6009% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 647 |
| Loan loss allowance to noncurrent loans | 112.1451% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 458 |
| Noncurrent loans to loans | 1.5170% | 631 |
| Net loans and leases to total assets | 79.6000% | 705 |
| Net loans and leases to deposits | 91.1210% | 1,128 |
| Net loans and leases to core deposits | 96.7653% | 1,669 |
| Total domestic deposits to total assets | 87.3600% | 1,756 |
| Equity capital to assets | 10.9279% | 1,618 |
| Core capital (leverage) ratio | 10.7446% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $333,795,000 | 2,303 |
| Average earning assets | $322,211,400 | 2,247 |
| Average equity | $35,361,800 | 2,155 |
| Average total loans | $270,103,400 | 1,971 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7932% | 1,562 |
| Cost of funding earning assets | 1.9675% | 2,293 |
| Net interest margin | 3.8257% | 1,421 |
| Noninterest income to average assets | 1.8400% | 273 |
| Noninterest expense to average assets | 3.5341% | 557 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.6215% | 790 |
| Return on assets (ROA) | 1.6215% | 791 |
| Pretax return on assets | 1.9480% | 700 |
| Return on Equity (ROE) | 15.4300% | 892 |
| Retained earnings to average equity (ytd only) | 4.1051% | 2,811 |
| Net charge-offs to loans | 0.0452% | 1,467 |
| Credit loss provision to net charge-offs | 141.7582% | 1,341 |
| Earnings coverage of net charge-offs (x) | 54.7143% | 1,157 |
| Efficiency ratio | 63.8627% | 2,728 |
| Assets per employee ($millions) | 5.2893% | 3,454 |
| Cash dividends to net income (ytd only)* | 73.3961% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 657 |
| Loan loss allowance to noncurrent loans | 107.2814% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 440 |
| Noncurrent loans to loans | 1.5860% | 578 |
| Net loans and leases to total assets | 77.7800% | 895 |
| Net loans and leases to deposits | 88.7385% | 1,362 |
| Net loans and leases to core deposits | 93.6341% | 1,902 |
| Total domestic deposits to total assets | 87.6500% | 1,358 |
| Equity capital to assets | 10.4060% | 2,038 |
| Core capital (leverage) ratio | 10.5874% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $331,957,500 | 2,299 |
| Average earning assets | $320,667,500 | 2,250 |
| Average equity | $34,882,250 | 2,173 |
| Average total loans | $268,562,750 | 1,969 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 1,631 |
| Cost of funding earning assets | 1.8753% | 2,308 |
| Net interest margin | 3.7222% | 1,487 |
| Noninterest income to average assets | 1.7300% | 282 |
| Noninterest expense to average assets | 3.5387% | 535 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.4716% | 943 |
| Return on assets (ROA) | 1.4716% | 950 |
| Pretax return on assets | 1.7532% | 885 |
| Return on Equity (ROE) | 13.8000% | 1,178 |
| Retained earnings to average equity (ytd only) | -19.6558% | 4,435 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.5885% | 2,547 |
| Assets per employee ($millions) | 4.9148% | 3,707 |
| Cash dividends to net income (ytd only)* | 242.4217% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 552 |
| Loan loss allowance to noncurrent loans | 90.7328% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 253 |
| Noncurrent loans to loans | 1.9833% | 332 |
| Net loans and leases to total assets | 78.7300% | 756 |
| Net loans and leases to deposits | 89.6801% | 1,225 |
| Net loans and leases to core deposits | 94.8527% | 1,719 |
| Total domestic deposits to total assets | 87.7900% | 1,496 |
| Equity capital to assets | 10.2946% | 1,839 |
| Core capital (leverage) ratio | 10.5339% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $321,021,500 | 2,346 |
| Average earning assets | $309,281,500 | 2,288 |
| Average equity | $34,229,000 | 2,174 |
| Average total loans | $259,963,000 | 2,006 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 1,565 |
| Cost of funding earning assets | 1.3380% | 2,397 |
| Net interest margin | 3.9160% | 1,346 |
| Noninterest income to average assets | 1.4600% | 399 |
| Noninterest expense to average assets | 3.4506% | 618 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4549% | 1,109 |
| Return on assets (ROA) | 1.4549% | 1,077 |
| Pretax return on assets | 1.7667% | 927 |
| Return on Equity (ROE) | 13.3800% | 1,637 |
| Retained earnings to average equity (ytd only) | -1.9770% | 4,270 |
| Net charge-offs to loans | 0.0040% | 2,597 |
| Credit loss provision to net charge-offs | 520.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 560.6000% | 265 |
| Efficiency ratio | 65.9293% | 2,366 |
| Assets per employee ($millions) | 4.7413% | 3,810 |
| Cash dividends to net income (ytd only)* | 114.7792% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 541 |
| Loan loss allowance to noncurrent loans | 109.8233% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 285 |
| Noncurrent loans to loans | 1.6336% | 392 |
| Net loans and leases to total assets | 80.3300% | 605 |
| Net loans and leases to deposits | 92.2070% | 1,073 |
| Net loans and leases to core deposits | 97.2119% | 1,581 |
| Total domestic deposits to total assets | 87.1200% | 1,638 |
| Equity capital to assets | 11.0383% | 1,457 |
| Core capital (leverage) ratio | 10.9733% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5268% | 1,675 |
| Memoranda: | ||
| Average total assets | $314,375,600 | 2,348 |
| Average earning assets | $302,761,600 | 2,289 |
| Average equity | $34,192,600 | 2,089 |
| Average total loans | $249,247,800 | 2,005 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 1,625 |
| Cost of funding earning assets | 1.1966% | 2,441 |
| Net interest margin | 3.9104% | 1,376 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 3.4299% | 606 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4670% | 1,195 |
| Return on assets (ROA) | 1.4670% | 1,179 |
| Pretax return on assets | 1.7855% | 1,031 |
| Return on Equity (ROE) | 13.5400% | 1,786 |
| Retained earnings to average equity (ytd only) | -6.8206% | 4,462 |
| Net charge-offs to loans | -0.0130% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.5186% | 2,330 |
| Assets per employee ($millions) | 4.6714% | 3,834 |
| Cash dividends to net income (ytd only)* | 150.3768% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 501 |
| Loan loss allowance to noncurrent loans | 1,579.1246% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 2,613 |
| Noncurrent loans to loans | 0.1188% | 2,971 |
| Net loans and leases to total assets | 77.2600% | 966 |
| Net loans and leases to deposits | 88.4113% | 1,349 |
| Net loans and leases to core deposits | 93.0132% | 1,734 |
| Total domestic deposits to total assets | 87.3800% | 1,771 |
| Equity capital to assets | 10.6484% | 1,486 |
| Core capital (leverage) ratio | 10.7555% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8526% | 1,608 |
| Memoranda: | ||
| Average total assets | $313,552,500 | 2,357 |
| Average earning assets | $301,960,000 | 2,293 |
| Average equity | $33,974,500 | 2,086 |
| Average total loans | $246,596,000 | 2,019 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 1,655 |
| Cost of funding earning assets | 1.0658% | 2,397 |
| Net interest margin | 3.8830% | 1,458 |
| Noninterest income to average assets | 1.4500% | 341 |
| Noninterest expense to average assets | 3.3557% | 640 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4965% | 1,106 |
| Return on assets (ROA) | 1.4965% | 1,105 |
| Pretax return on assets | 1.8143% | 985 |
| Return on Equity (ROE) | 13.7300% | 1,737 |
| Retained earnings to average equity (ytd only) | -10.4455% | 4,521 |
| Net charge-offs to loans | -0.0220% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.6826% | 2,412 |
| Assets per employee ($millions) | 4.8055% | 3,745 |
| Cash dividends to net income (ytd only)* | 176.0702% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 545 |
| Loan loss allowance to noncurrent loans | 1,246.6667% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,396 |
| Noncurrent loans to loans | 0.1485% | 2,722 |
| Net loans and leases to total assets | 76.9900% | 944 |
| Net loans and leases to deposits | 88.1719% | 1,330 |
| Net loans and leases to core deposits | 92.3189% | 1,661 |
| Total domestic deposits to total assets | 87.3200% | 1,827 |
| Equity capital to assets | 10.4976% | 1,604 |
| Core capital (leverage) ratio | 10.9689% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0134% | 1,574 |
| Memoranda: | ||
| Average total assets | $312,185,667 | 2,367 |
| Average earning assets | $300,233,667 | 2,311 |
| Average equity | $34,024,333 | 2,090 |
| Average total loans | $245,429,667 | 2,018 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 1,713 |
| Cost of funding earning assets | 0.9620% | 2,178 |
| Net interest margin | 3.8007% | 1,685 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 3.0004% | 1,060 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4605% | 1,261 |
| Return on assets (ROA) | 1.4605% | 1,233 |
| Pretax return on assets | 1.8145% | 1,045 |
| Return on Equity (ROE) | 13.1500% | 1,955 |
| Retained earnings to average equity (ytd only) | -31.5318% | 4,641 |
| Net charge-offs to loans | -0.0430% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0792% | 2,685 |
| Assets per employee ($millions) | 5.2767% | 3,440 |
| Cash dividends to net income (ytd only)* | 339.8396% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 516 |
| Loan loss allowance to noncurrent loans | 1,139.3643% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 2,235 |
| Noncurrent loans to loans | 0.1679% | 2,648 |
| Net loans and leases to total assets | 76.7400% | 904 |
| Net loans and leases to deposits | 87.6281% | 1,240 |
| Net loans and leases to core deposits | 91.6748% | 1,520 |
| Total domestic deposits to total assets | 87.5700% | 2,070 |
| Equity capital to assets | 10.5821% | 1,519 |
| Core capital (leverage) ratio | 10.9685% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1624% | 1,581 |
| Memoranda: | ||
| Average total assets | $307,294,000 | 2,424 |
| Average earning assets | $295,630,000 | 2,369 |
| Average equity | $34,137,000 | 2,112 |
| Average total loans | $241,861,500 | 2,060 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 1,652 |
| Cost of funding earning assets | 0.4078% | 2,025 |
| Net interest margin | 3.6169% | 1,599 |
| Noninterest income to average assets | 1.9900% | 245 |
| Noninterest expense to average assets | 3.6314% | 438 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4739% | 951 |
| Return on assets (ROA) | 1.4739% | 913 |
| Pretax return on assets | 1.8390% | 664 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.8584% | 918 |
| Net charge-offs to loans | 0.0833% | 829 |
| Credit loss provision to net charge-offs | 11.9171% | 1,952 |
| Earnings coverage of net charge-offs (x) | 28.9845% | 1,703 |
| Efficiency ratio | 66.2911% | 2,194 |
| Assets per employee ($millions) | 4.8913% | 3,754 |
| Cash dividends to net income (ytd only)* | 17.9171% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 501 |
| Loan loss allowance to noncurrent loans | 569.6671% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 1,819 |
| Noncurrent loans to loans | 0.3377% | 1,941 |
| Net loans and leases to total assets | 77.6700% | 835 |
| Net loans and leases to deposits | 89.7323% | 1,069 |
| Net loans and leases to core deposits | 94.4501% | 1,276 |
| Total domestic deposits to total assets | 86.5500% | 2,551 |
| Equity capital to assets | 11.6497% | 1,033 |
| Core capital (leverage) ratio | 11.7962% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4641% | 1,247 |
| Memoranda: | ||
| Average total assets | $302,942,600 | 2,432 |
| Average earning assets | $292,269,400 | 2,375 |
| Average equity | $33,752,600 | 2,168 |
| Average total loans | $231,613,200 | 2,046 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 1,659 |
| Cost of funding earning assets | 0.3302% | 1,862 |
| Net interest margin | 3.5010% | 1,656 |
| Noninterest income to average assets | 2.1700% | 245 |
| Noninterest expense to average assets | 3.7710% | 382 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4228% | 1,025 |
| Return on assets (ROA) | 1.4228% | 1,000 |
| Pretax return on assets | 1.7671% | 789 |
| Return on Equity (ROE) | 12.9200% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.3192% | 962 |
| Net charge-offs to loans | 0.0941% | 654 |
| Credit loss provision to net charge-offs | 10.4938% | 1,658 |
| Earnings coverage of net charge-offs (x) | 24.8827% | 1,616 |
| Efficiency ratio | 68.0003% | 2,028 |
| Assets per employee ($millions) | 4.4519% | 4,091 |
| Cash dividends to net income (ytd only)* | 12.3762% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9769% | 521 |
| Loan loss allowance to noncurrent loans | 696.4018% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,182 |
| Noncurrent loans to loans | 0.2839% | 2,232 |
| Net loans and leases to total assets | 73.9100% | 1,106 |
| Net loans and leases to deposits | 85.0438% | 1,232 |
| Net loans and leases to core deposits | 89.1328% | 1,351 |
| Total domestic deposits to total assets | 86.9000% | 2,796 |
| Equity capital to assets | 11.0496% | 1,157 |
| Core capital (leverage) ratio | 11.3896% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0566% | 1,411 |
| Memoranda: | ||
| Average total assets | $302,863,000 | 2,453 |
| Average earning assets | $292,368,000 | 2,389 |
| Average equity | $33,358,500 | 2,215 |
| Average total loans | $229,478,250 | 2,053 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 1,621 |
| Cost of funding earning assets | 0.2812% | 1,891 |
| Net interest margin | 3.3893% | 1,636 |
| Noninterest income to average assets | 2.2218% | 202 |
| Noninterest expense to average assets | 3.8114% | 321 |
| Loan and lease loss provision to assets | 0.0053% | 2,508 |
| Net operating income to assets | 1.3623% | 994 |
| Return on assets (ROA) | 1.3623% | 971 |
| Pretax return on assets | 1.6763% | 797 |
| Return on Equity (ROE) | 12.3818% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.9576% | 1,036 |
| Net charge-offs to loans | 0.0334% | 1,068 |
| Credit loss provision to net charge-offs | 21.0526% | 1,602 |
| Earnings coverage of net charge-offs (x) | 66.3684% | 1,037 |
| Efficiency ratio | 69.3858% | 2,050 |
| Assets per employee ($millions) | 4.2932% | 4,210 |
| Cash dividends to net income (ytd only)* | 19.5791% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 486 |
| Loan loss allowance to noncurrent loans | 489.2086% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 1,730 |
| Noncurrent loans to loans | 0.4219% | 1,851 |
| Net loans and leases to total assets | 74.0906% | 913 |
| Net loans and leases to deposits | 85.0428% | 1,053 |
| Net loans and leases to core deposits | 89.0306% | 1,174 |
| Total domestic deposits to total assets | 87.1216% | 2,894 |
| Equity capital to assets | 11.0259% | 1,202 |
| Core capital (leverage) ratio | 11.1518% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4547% | 1,587 |
| Memoranda: | ||
| Average total assets | $299,940,000 | 2,483 |
| Average earning assets | $289,500,000 | 2,432 |
| Average equity | $33,000,000 | 2,275 |
| Average total loans | $227,651,667 | 2,065 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 1,611 |
| Cost of funding earning assets | 0.2923% | 1,730 |
| Net interest margin | 3.2707% | 1,650 |
| Noninterest income to average assets | 2.3718% | 194 |
| Noninterest expense to average assets | 3.9503% | 286 |
| Loan and lease loss provision to assets | 0.0013% | 2,270 |
| Net operating income to assets | 1.2491% | 1,123 |
| Return on assets (ROA) | 1.2491% | 1,109 |
| Pretax return on assets | 1.5798% | 862 |
| Return on Equity (ROE) | 11.3655% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.3655% | 713 |
| Net charge-offs to loans | 0.0672% | 660 |
| Credit loss provision to net charge-offs | 2.6316% | 1,330 |
| Earnings coverage of net charge-offs (x) | 30.9474% | 1,112 |
| Efficiency ratio | 71.4147% | 2,055 |
| Assets per employee ($millions) | 4.1118% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 519 |
| Loan loss allowance to noncurrent loans | 460.1162% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 1,752 |
| Noncurrent loans to loans | 0.4567% | 1,882 |
| Net loans and leases to total assets | 72.7720% | 765 |
| Net loans and leases to deposits | 83.4127% | 926 |
| Net loans and leases to core deposits | 87.0329% | 1,080 |
| Total domestic deposits to total assets | 87.2433% | 2,836 |
| Equity capital to assets | 10.8640% | 1,401 |
| Core capital (leverage) ratio | 11.1405% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4507% | 1,654 |
| Memoranda: | ||
| Average total assets | $297,500,000 | 2,506 |
| Average earning assets | $287,404,000 | 2,460 |
| Average equity | $32,695,500 | 2,347 |
| Average total loans | $226,176,000 | 2,072 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 1,227 |
| Cost of funding earning assets | 0.4142% | 1,443 |
| Net interest margin | 3.6459% | 1,350 |
| Noninterest income to average assets | 3.8528% | 144 |
| Noninterest expense to average assets | 4.7862% | 187 |
| Loan and lease loss provision to assets | 0.0152% | 2,776 |
| Net operating income to assets | 2.0046% | 335 |
| Return on assets (ROA) | 2.0046% | 354 |
| Pretax return on assets | 2.5540% | 238 |
| Return on Equity (ROE) | 19.3839% | 348 |
| Retained earnings to average equity (ytd only) | 3.6891% | 3,344 |
| Net charge-offs to loans | 0.0432% | 1,414 |
| Credit loss provision to net charge-offs | 44.4444% | 2,171 |
| Earnings coverage of net charge-offs (x) | 75.2593% | 1,030 |
| Efficiency ratio | 65.0709% | 2,391 |
| Assets per employee ($millions) | 3.9288% | 4,448 |
| Cash dividends to net income (ytd only)* | 80.9681% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1178% | 503 |
| Loan loss allowance to noncurrent loans | 417.6112% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 1,645 |
| Noncurrent loans to loans | 0.5071% | 1,854 |
| Net loans and leases to total assets | 76.1482% | 511 |
| Net loans and leases to deposits | 87.7881% | 665 |
| Net loans and leases to core deposits | 91.6503% | 898 |
| Total domestic deposits to total assets | 86.7409% | 2,603 |
| Equity capital to assets | 11.1220% | 1,718 |
| Core capital (leverage) ratio | 10.9668% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3044% | 1,740 |
| Memoranda: | ||
| Average total assets | $316,369,400 | 2,355 |
| Average earning assets | $303,928,400 | 2,311 |
| Average equity | $32,717,800 | 2,396 |
| Average total loans | $249,786,800 | 1,926 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 1,137 |
| Cost of funding earning assets | 0.4304% | 1,484 |
| Net interest margin | 3.7497% | 1,226 |
| Noninterest income to average assets | 4.0993% | 134 |
| Noninterest expense to average assets | 4.8321% | 186 |
| Loan and lease loss provision to assets | 0.0189% | 2,630 |
| Net operating income to assets | 2.2322% | 304 |
| Return on assets (ROA) | 2.2322% | 323 |
| Pretax return on assets | 2.8473% | 215 |
| Return on Equity (ROE) | 21.9579% | 307 |
| Retained earnings to average equity (ytd only) | 12.4702% | 730 |
| Net charge-offs to loans | 0.0448% | 1,217 |
| Credit loss provision to net charge-offs | 53.4884% | 1,843 |
| Earnings coverage of net charge-offs (x) | 80.6860% | 980 |
| Efficiency ratio | 62.7676% | 2,570 |
| Assets per employee ($millions) | 3.7766% | 4,553 |
| Cash dividends to net income (ytd only)* | 43.2087% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1336% | 505 |
| Loan loss allowance to noncurrent loans | 420.8224% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,878 |
| Noncurrent loans to loans | 0.5070% | 2,040 |
| Net loans and leases to total assets | 75.8698% | 559 |
| Net loans and leases to deposits | 88.3459% | 697 |
| Net loans and leases to core deposits | 92.2223% | 920 |
| Total domestic deposits to total assets | 85.8782% | 2,792 |
| Equity capital to assets | 11.7800% | 1,499 |
| Core capital (leverage) ratio | 10.6206% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8255% | 1,679 |
| Memoranda: | ||
| Average total assets | $322,779,500 | 2,356 |
| Average earning assets | $309,815,750 | 2,302 |
| Average equity | $32,813,500 | 2,426 |
| Average total loans | $255,689,750 | 1,927 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 1,531 |
| Cost of funding earning assets | 0.4446% | 1,559 |
| Net interest margin | 3.5720% | 1,658 |
| Noninterest income to average assets | 3.6078% | 155 |
| Noninterest expense to average assets | 4.8758% | 181 |
| Loan and lease loss provision to assets | 0.0204% | 2,556 |
| Net operating income to assets | 1.6537% | 945 |
| Return on assets (ROA) | 1.6537% | 999 |
| Pretax return on assets | 2.1329% | 650 |
| Return on Equity (ROE) | 17.0540% | 774 |
| Retained earnings to average equity (ytd only) | 13.9611% | 550 |
| Net charge-offs to loans | 0.0030% | 2,078 |
| Credit loss provision to net charge-offs | 850.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 897.5000% | 152 |
| Efficiency ratio | 69.3660% | 1,720 |
| Assets per employee ($millions) | 3.9140% | 4,493 |
| Cash dividends to net income (ytd only)* | 18.1357% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 759 |
| Loan loss allowance to noncurrent loans | 517.4973% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 2,522 |
| Noncurrent loans to loans | 0.3640% | 2,602 |
| Net loans and leases to total assets | 75.5163% | 632 |
| Net loans and leases to deposits | 85.7633% | 927 |
| Net loans and leases to core deposits | 89.3385% | 1,184 |
| Total domestic deposits to total assets | 88.0519% | 1,791 |
| Equity capital to assets | 9.9353% | 2,907 |
| Core capital (leverage) ratio | 9.9652% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9310% | 2,387 |
| Memoranda: | ||
| Average total assets | $333,440,000 | 2,287 |
| Average earning assets | $319,370,667 | 2,244 |
| Average equity | $32,332,667 | 2,436 |
| Average total loans | $265,773,667 | 1,896 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 1,137 |
| Cost of funding earning assets | 0.4842% | 1,487 |
| Net interest margin | 3.7519% | 1,232 |
| Noninterest income to average assets | 4.1572% | 140 |
| Noninterest expense to average assets | 5.3734% | 152 |
| Loan and lease loss provision to assets | 0.0362% | 2,295 |
| Net operating income to assets | 1.8092% | 776 |
| Return on assets (ROA) | 1.8092% | 828 |
| Pretax return on assets | 2.3432% | 560 |
| Return on Equity (ROE) | 18.8939% | 636 |
| Retained earnings to average equity (ytd only) | 14.4882% | 694 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3097% | 1,782 |
| Assets per employee ($millions) | 3.8979% | 4,535 |
| Cash dividends to net income (ytd only)* | 23.3178% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 837 |
| Loan loss allowance to noncurrent loans | 800.0000% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 3,270 |
| Noncurrent loans to loans | 0.2279% | 3,284 |
| Net loans and leases to total assets | 77.4979% | 497 |
| Net loans and leases to deposits | 87.7388% | 849 |
| Net loans and leases to core deposits | 92.6853% | 1,065 |
| Total domestic deposits to total assets | 88.3280% | 1,690 |
| Equity capital to assets | 9.5359% | 3,160 |
| Core capital (leverage) ratio | 9.7267% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6520% | 2,426 |
| Memoranda: | ||
| Average total assets | $331,856,500 | 2,273 |
| Average earning assets | $318,028,000 | 2,228 |
| Average equity | $31,777,500 | 2,448 |
| Average total loans | $269,124,000 | 1,879 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 1,307 |
| Cost of funding earning assets | 0.8741% | 932 |
| Net interest margin | 3.6292% | 2,044 |
| Noninterest income to average assets | 3.3148% | 169 |
| Noninterest expense to average assets | 4.7124% | 221 |
| Loan and lease loss provision to assets | 0.5413% | 413 |
| Net operating income to assets | 1.2168% | 1,491 |
| Return on assets (ROA) | 1.2168% | 1,611 |
| Pretax return on assets | 1.5218% | 1,261 |
| Return on Equity (ROE) | 12.9104% | 1,066 |
| Retained earnings to average equity (ytd only) | 10.5214% | 491 |
| Net charge-offs to loans | 0.0073% | 3,077 |
| Credit loss provision to net charge-offs | 8,475.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 331 |
| Efficiency ratio | 69.5498% | 2,011 |
| Assets per employee ($millions) | 3.7743% | 4,523 |
| Cash dividends to net income (ytd only)* | 18.5039% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 871 |
| Loan loss allowance to noncurrent loans | 777.2436% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,316 |
| Noncurrent loans to loans | 0.2306% | 3,375 |
| Net loans and leases to total assets | 81.8585% | 306 |
| Net loans and leases to deposits | 92.6890% | 738 |
| Net loans and leases to core deposits | 98.7953% | 968 |
| Total domestic deposits to total assets | 88.3152% | 1,322 |
| Equity capital to assets | 9.6173% | 3,489 |
| Core capital (leverage) ratio | 9.6428% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9738% | 2,634 |
| Memoranda: | ||
| Average total assets | $313,113,400 | 2,228 |
| Average earning assets | $298,575,800 | 2,189 |
| Average equity | $29,511,200 | 2,500 |
| Average total loans | $273,126,200 | 1,813 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,419 |
| Cost of funding earning assets | 0.9684% | 851 |
| Net interest margin | 3.5934% | 2,295 |
| Noninterest income to average assets | 2.9357% | 190 |
| Noninterest expense to average assets | 4.4321% | 263 |
| Loan and lease loss provision to assets | 0.6366% | 378 |
| Net operating income to assets | 1.0538% | 2,129 |
| Return on assets (ROA) | 1.0538% | 2,262 |
| Pretax return on assets | 1.2957% | 2,066 |
| Return on Equity (ROE) | 11.2404% | 1,610 |
| Retained earnings to average equity (ytd only) | 9.1317% | 949 |
| Net charge-offs to loans | 0.0029% | 3,068 |
| Credit loss provision to net charge-offs | 24,683.3333% | 53 |
| Earnings coverage of net charge-offs (x) | 749.3333% | 162 |
| Efficiency ratio | 69.6401% | 1,940 |
| Assets per employee ($millions) | 3.6190% | 4,599 |
| Cash dividends to net income (ytd only)* | 18.7602% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,007 |
| Loan loss allowance to noncurrent loans | 738.0952% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,449 |
| Noncurrent loans to loans | 0.2217% | 3,505 |
| Net loans and leases to total assets | 87.7715% | 83 |
| Net loans and leases to deposits | 97.6933% | 644 |
| Net loans and leases to core deposits | 103.3804% | 959 |
| Total domestic deposits to total assets | 89.8439% | 483 |
| Equity capital to assets | 9.4528% | 3,721 |
| Core capital (leverage) ratio | 9.4027% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4946% | 2,794 |
| Memoranda: | ||
| Average total assets | $310,243,500 | 2,219 |
| Average earning assets | $296,019,250 | 2,178 |
| Average equity | $29,084,750 | 2,525 |
| Average total loans | $273,768,500 | 1,801 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,571 |
| Cost of funding earning assets | 1.0954% | 727 |
| Net interest margin | 3.5428% | 2,661 |
| Noninterest income to average assets | 2.6673% | 199 |
| Noninterest expense to average assets | 4.2777% | 310 |
| Loan and lease loss provision to assets | 0.4943% | 735 |
| Net operating income to assets | 1.0153% | 2,267 |
| Return on assets (ROA) | 1.0153% | 2,395 |
| Pretax return on assets | 1.2715% | 2,127 |
| Return on Equity (ROE) | 10.8610% | 1,679 |
| Retained earnings to average equity (ytd only) | 8.7737% | 1,085 |
| Net charge-offs to loans | 0.0155% | 2,430 |
| Credit loss provision to net charge-offs | 3,623.8095% | 304 |
| Earnings coverage of net charge-offs (x) | 129.2857% | 589 |
| Efficiency ratio | 70.7813% | 1,852 |
| Assets per employee ($millions) | 3.8392% | 4,440 |
| Cash dividends to net income (ytd only)* | 19.2184% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,674 |
| Loan loss allowance to noncurrent loans | 519.9203% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,402 |
| Noncurrent loans to loans | 0.2644% | 3,435 |
| Net loans and leases to total assets | 86.0835% | 135 |
| Net loans and leases to deposits | 95.2691% | 854 |
| Net loans and leases to core deposits | 102.2037% | 1,106 |
| Total domestic deposits to total assets | 90.3583% | 309 |
| Equity capital to assets | 9.0009% | 4,086 |
| Core capital (leverage) ratio | 9.0155% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0853% | 2,948 |
| Memoranda: | ||
| Average total assets | $307,502,000 | 2,206 |
| Average earning assets | $293,044,000 | 2,167 |
| Average equity | $28,745,000 | 2,532 |
| Average total loans | $270,300,000 | 1,797 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 1,392 |
| Cost of funding earning assets | 1.2528% | 647 |
| Net interest margin | 3.5565% | 2,800 |
| Noninterest income to average assets | 2.3805% | 211 |
| Noninterest expense to average assets | 4.2605% | 389 |
| Loan and lease loss provision to assets | 0.2040% | 1,495 |
| Net operating income to assets | 1.0373% | 2,052 |
| Return on assets (ROA) | 1.0373% | 2,147 |
| Pretax return on assets | 1.2949% | 1,883 |
| Return on Equity (ROE) | 10.8755% | 1,450 |
| Retained earnings to average equity (ytd only) | 8.9761% | 979 |
| Net charge-offs to loans | 0.0030% | 2,488 |
| Credit loss provision to net charge-offs | 7,600.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 558.5000% | 107 |
| Efficiency ratio | 73.9748% | 1,820 |
| Assets per employee ($millions) | 3.4884% | 4,493 |
| Cash dividends to net income (ytd only)* | 17.4644% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,331 |
| Loan loss allowance to noncurrent loans | 697.0650% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 3,871 |
| Noncurrent loans to loans | 0.1810% | 3,825 |
| Net loans and leases to total assets | 85.7548% | 156 |
| Net loans and leases to deposits | 95.5310% | 960 |
| Net loans and leases to core deposits | 104.9694% | 1,119 |
| Total domestic deposits to total assets | 89.7664% | 394 |
| Equity capital to assets | 9.4731% | 4,244 |
| Core capital (leverage) ratio | 9.7230% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5945% | 3,206 |
| Memoranda: | ||
| Average total assets | $298,086,500 | 2,220 |
| Average earning assets | $283,200,000 | 2,183 |
| Average equity | $28,431,000 | 2,542 |
| Average total loans | $263,033,000 | 1,797 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 1,380 |
| Cost of funding earning assets | 1.3644% | 626 |
| Net interest margin | 3.6719% | 2,897 |
| Noninterest income to average assets | 2.8853% | 158 |
| Noninterest expense to average assets | 4.8434% | 244 |
| Loan and lease loss provision to assets | 0.3079% | 532 |
| Net operating income to assets | 0.9883% | 2,886 |
| Return on assets (ROA) | 0.9883% | 2,970 |
| Pretax return on assets | 1.2184% | 2,776 |
| Return on Equity (ROE) | 10.6368% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.5907% | 572 |
| Net charge-offs to loans | 0.1516% | 1,308 |
| Credit loss provision to net charge-offs | 229.1990% | 1,167 |
| Earnings coverage of net charge-offs (x) | 11.3618% | 2,502 |
| Efficiency ratio | 76.0381% | 1,363 |
| Assets per employee ($millions) | 3.2886% | 4,654 |
| Cash dividends to net income (ytd only)* | 9.8349% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,384 |
| Loan loss allowance to noncurrent loans | 664.2259% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 3,825 |
| Noncurrent loans to loans | 0.1821% | 3,804 |
| Net loans and leases to total assets | 88.5972% | 72 |
| Net loans and leases to deposits | 98.8137% | 688 |
| Net loans and leases to core deposits | 108.4717% | 945 |
| Total domestic deposits to total assets | 89.6608% | 445 |
| Equity capital to assets | 9.6050% | 4,268 |
| Core capital (leverage) ratio | 9.5081% | 4,053 |
| Tier 1 risk-based capital ratio | 10.2426% | 5,084 |
| Total risk-based capital ratio | 11.3994% | 5,049 |
| Memoranda: | ||
| Average total assets | $288,084,600 | 2,236 |
| Average earning assets | $273,371,000 | 2,187 |
| Average equity | $26,765,600 | 2,576 |
| Average total loans | $255,252,200 | 1,798 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 1,459 |
| Cost of funding earning assets | 1.3663% | 648 |
| Net interest margin | 3.6671% | 3,036 |
| Noninterest income to average assets | 2.9971% | 155 |
| Noninterest expense to average assets | 4.9232% | 223 |
| Loan and lease loss provision to assets | 0.3304% | 420 |
| Net operating income to assets | 0.9930% | 3,007 |
| Return on assets (ROA) | 0.9930% | 3,076 |
| Pretax return on assets | 1.2230% | 2,905 |
| Return on Equity (ROE) | 10.7808% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.6205% | 860 |
| Net charge-offs to loans | 0.1952% | 890 |
| Credit loss provision to net charge-offs | 191.6442% | 1,368 |
| Earnings coverage of net charge-offs (x) | 9.0109% | 2,601 |
| Efficiency ratio | 76.0152% | 1,331 |
| Assets per employee ($millions) | 3.5472% | 4,452 |
| Cash dividends to net income (ytd only)* | 10.7628% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,682 |
| Loan loss allowance to noncurrent loans | 624.2236% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 3,921 |
| Noncurrent loans to loans | 0.1868% | 3,869 |
| Net loans and leases to total assets | 86.7918% | 145 |
| Net loans and leases to deposits | 96.5506% | 951 |
| Net loans and leases to core deposits | 105.6333% | 1,208 |
| Total domestic deposits to total assets | 89.8925% | 313 |
| Equity capital to assets | 9.3243% | 4,582 |
| Core capital (leverage) ratio | 9.2269% | 4,453 |
| Tier 1 risk-based capital ratio | 10.1407% | 5,168 |
| Total risk-based capital ratio | 11.2544% | 5,136 |
| Memoranda: | ||
| Average total assets | $286,935,250 | 2,253 |
| Average earning assets | $272,253,500 | 2,212 |
| Average equity | $26,429,000 | 2,610 |
| Average total loans | $253,444,500 | 1,823 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 1,520 |
| Cost of funding earning assets | 1.3081% | 724 |
| Net interest margin | 3.6767% | 3,002 |
| Noninterest income to average assets | 3.1261% | 142 |
| Noninterest expense to average assets | 5.1659% | 199 |
| Loan and lease loss provision to assets | 0.3663% | 342 |
| Net operating income to assets | 0.8951% | 3,305 |
| Return on assets (ROA) | 0.8951% | 3,369 |
| Pretax return on assets | 1.0821% | 3,283 |
| Return on Equity (ROE) | 9.7593% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.9543% | 1,038 |
| Net charge-offs to loans | 0.2908% | 587 |
| Credit loss provision to net charge-offs | 142.3497% | 1,549 |
| Earnings coverage of net charge-offs (x) | 5.6284% | 2,634 |
| Efficiency ratio | 78.1014% | 1,136 |
| Assets per employee ($millions) | 2.7384% | 5,047 |
| Cash dividends to net income (ytd only)* | 8.2482% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,157 |
| Loan loss allowance to noncurrent loans | 525.0464% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 3,839 |
| Noncurrent loans to loans | 0.2062% | 3,805 |
| Net loans and leases to total assets | 88.2336% | 105 |
| Net loans and leases to deposits | 97.7470% | 871 |
| Net loans and leases to core deposits | 107.3755% | 1,152 |
| Total domestic deposits to total assets | 90.2674% | 250 |
| Equity capital to assets | 9.1169% | 4,725 |
| Core capital (leverage) ratio | 9.3520% | 4,309 |
| Tier 1 risk-based capital ratio | 10.0163% | 5,225 |
| Total risk-based capital ratio | 11.0774% | 5,210 |
| Memoranda: | ||
| Average total assets | $284,442,000 | 2,267 |
| Average earning assets | $269,863,330 | 2,230 |
| Average equity | $26,088,000 | 2,629 |
| Average total loans | $251,745,000 | 1,834 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 1,457 |
| Cost of funding earning assets | 1.2577% | 749 |
| Net interest margin | 3.6979% | 2,898 |
| Noninterest income to average assets | 2.6685% | 173 |
| Noninterest expense to average assets | 5.0014% | 206 |
| Loan and lease loss provision to assets | 0.4269% | 268 |
| Net operating income to assets | 0.6582% | 4,066 |
| Return on assets (ROA) | 0.6582% | 4,101 |
| Pretax return on assets | 0.7453% | 4,185 |
| Return on Equity (ROE) | 7.1541% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.1541% | 1,981 |
| Net charge-offs to loans | 0.3628% | 430 |
| Credit loss provision to net charge-offs | 133.4821% | 1,334 |
| Earnings coverage of net charge-offs (x) | 3.6652% | 2,385 |
| Efficiency ratio | 81.0130% | 967 |
| Assets per employee ($millions) | 2.3727% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,122 |
| Loan loss allowance to noncurrent loans | 482.4561% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 3,792 |
| Noncurrent loans to loans | 0.2282% | 3,762 |
| Net loans and leases to total assets | 88.9783% | 68 |
| Net loans and leases to deposits | 98.8471% | 714 |
| Net loans and leases to core deposits | 108.4195% | 1,033 |
| Total domestic deposits to total assets | 90.0161% | 441 |
| Equity capital to assets | 9.3679% | 4,367 |
| Core capital (leverage) ratio | 9.3726% | 4,294 |
| Tier 1 risk-based capital ratio | 10.2191% | 5,241 |
| Total risk-based capital ratio | 11.2997% | 5,235 |
| Memoranda: | ||
| Average total assets | $280,161,000 | 2,313 |
| Average earning assets | $265,557,500 | 2,277 |
| Average equity | $25,775,500 | 2,659 |
| Average total loans | $246,938,500 | 1,877 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 1,644 |
| Cost of funding earning assets | 0.9646% | 865 |
| Net interest margin | 3.7950% | 2,676 |
| Noninterest income to average assets | 3.3595% | 136 |
| Noninterest expense to average assets | 5.7063% | 145 |
| Loan and lease loss provision to assets | 0.3507% | 437 |
| Net operating income to assets | 0.7326% | 4,033 |
| Return on assets (ROA) | 0.7326% | 4,037 |
| Pretax return on assets | 0.8903% | 3,923 |
| Return on Equity (ROE) | 7.8788% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.8788% | 1,289 |
| Net charge-offs to loans | 0.4174% | 440 |
| Credit loss provision to net charge-offs | 96.4472% | 2,620 |
| Earnings coverage of net charge-offs (x) | 3.4127% | 3,414 |
| Efficiency ratio | 82.1364% | 792 |
| Assets per employee ($millions) | 2.5019% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,126 |
| Loan loss allowance to noncurrent loans | 366.9410% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,555 |
| Noncurrent loans to loans | 0.2986% | 3,494 |
| Net loans and leases to total assets | 85.4011% | 278 |
| Net loans and leases to deposits | 94.3804% | 1,239 |
| Net loans and leases to core deposits | 104.6876% | 1,362 |
| Total domestic deposits to total assets | 90.4861% | 326 |
| Equity capital to assets | 9.0356% | 4,546 |
| Core capital (leverage) ratio | 9.3986% | 4,238 |
| Tier 1 risk-based capital ratio | 10.2547% | 5,252 |
| Total risk-based capital ratio | 11.3285% | 5,238 |
| Memoranda: | ||
| Average total assets | $263,167,400 | 2,378 |
| Average earning assets | $248,804,000 | 2,349 |
| Average equity | $24,470,800 | 2,683 |
| Average total loans | $229,253,400 | 1,952 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 1,620 |
| Cost of funding earning assets | 0.9145% | 868 |
| Net interest margin | 3.8050% | 2,629 |
| Noninterest income to average assets | 3.3833% | 141 |
| Noninterest expense to average assets | 5.9071% | 136 |
| Loan and lease loss provision to assets | 0.3133% | 456 |
| Net operating income to assets | 0.6329% | 4,412 |
| Return on assets (ROA) | 0.6329% | 4,428 |
| Pretax return on assets | 0.7563% | 4,412 |
| Return on Equity (ROE) | 6.7540% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.7540% | 2,259 |
| Net charge-offs to loans | 0.3470% | 474 |
| Credit loss provision to net charge-offs | 103.4072% | 2,208 |
| Earnings coverage of net charge-offs (x) | 3.5298% | 3,153 |
| Efficiency ratio | 84.6689% | 606 |
| Assets per employee ($millions) | 2.3136% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,549 |
| Loan loss allowance to noncurrent loans | 266.0377% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 3,091 |
| Noncurrent loans to loans | 0.4560% | 3,016 |
| Net loans and leases to total assets | 86.3173% | 237 |
| Net loans and leases to deposits | 95.7915% | 1,182 |
| Net loans and leases to core deposits | 101.9026% | 1,621 |
| Total domestic deposits to total assets | 90.1096% | 474 |
| Equity capital to assets | 9.3372% | 4,239 |
| Core capital (leverage) ratio | 9.2922% | 4,410 |
| Tier 1 risk-based capital ratio | 10.3894% | 5,274 |
| Total risk-based capital ratio | 11.5688% | 5,212 |
| Memoranda: | ||
| Average total assets | $258,280,750 | 2,425 |
| Average earning assets | $243,920,750 | 2,402 |
| Average equity | $24,202,250 | 2,718 |
| Average total loans | $225,537,750 | 1,988 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,610 |
| Cost of funding earning assets | 0.8430% | 948 |
| Net interest margin | 3.8178% | 2,514 |
| Noninterest income to average assets | 3.4292% | 137 |
| Noninterest expense to average assets | 5.9135% | 141 |
| Loan and lease loss provision to assets | 0.2667% | 573 |
| Net operating income to assets | 0.6876% | 4,230 |
| Return on assets (ROA) | 0.6876% | 4,234 |
| Pretax return on assets | 0.8518% | 4,107 |
| Return on Equity (ROE) | 7.3285% | 3,788 |
| Retained earnings to average equity (ytd only) | 7.3285% | 1,910 |
| Net charge-offs to loans | 0.1487% | 1,033 |
| Credit loss provision to net charge-offs | 205.4217% | 1,283 |
| Earnings coverage of net charge-offs (x) | 8.6145% | 2,453 |
| Efficiency ratio | 84.0934% | 682 |
| Assets per employee ($millions) | 2.1692% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,170 |
| Loan loss allowance to noncurrent loans | 542.8832% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,710 |
| Noncurrent loans to loans | 0.2395% | 3,846 |
| Net loans and leases to total assets | 86.0479% | 261 |
| Net loans and leases to deposits | 95.4993% | 1,196 |
| Net loans and leases to core deposits | 100.5897% | 1,684 |
| Total domestic deposits to total assets | 90.1031% | 537 |
| Equity capital to assets | 9.3323% | 4,258 |
| Core capital (leverage) ratio | 9.4280% | 4,204 |
| Tier 1 risk-based capital ratio | 10.4697% | 5,280 |
| Total risk-based capital ratio | 11.7200% | 5,181 |
| Memoranda: | ||
| Average total assets | $255,685,670 | 2,464 |
| Average earning assets | $241,290,000 | 2,422 |
| Average equity | $23,988,670 | 2,754 |
| Average total loans | $223,223,330 | 2,002 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,569 |
| Cost of funding earning assets | 0.8205% | 871 |
| Net interest margin | 3.7815% | 2,499 |
| Noninterest income to average assets | 3.2328% | 146 |
| Noninterest expense to average assets | 6.0898% | 138 |
| Loan and lease loss provision to assets | 0.2648% | 532 |
| Net operating income to assets | 0.3773% | 4,971 |
| Return on assets (ROA) | 0.3773% | 4,976 |
| Pretax return on assets | 0.4439% | 4,970 |
| Return on Equity (ROE) | 4.0109% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.0109% | 3,590 |
| Net charge-offs to loans | 0.3031% | 501 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 2.6766% | 2,440 |
| Efficiency ratio | 89.5756% | 463 |
| Assets per employee ($millions) | 2.1838% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,386 |
| Loan loss allowance to noncurrent loans | 406.9767% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,533 |
| Noncurrent loans to loans | 0.3128% | 3,651 |
| Net loans and leases to total assets | 85.7332% | 281 |
| Net loans and leases to deposits | 95.0235% | 1,131 |
| Net loans and leases to core deposits | 122.6755% | 510 |
| Total domestic deposits to total assets | 90.2231% | 573 |
| Equity capital to assets | 9.4169% | 4,163 |
| Core capital (leverage) ratio | 9.4403% | 4,137 |
| Tier 1 risk-based capital ratio | 11.3956% | 4,925 |
| Total risk-based capital ratio | 12.6467% | 4,825 |
| Memoranda: | ||
| Average total assets | $252,290,500 | 2,496 |
| Average earning assets | $237,898,000 | 2,469 |
| Average equity | $23,735,500 | 2,795 |
| Average total loans | $220,420,000 | 2,034 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 1,765 |
| Cost of funding earning assets | 0.7619% | 782 |
| Net interest margin | 3.7224% | 2,709 |
| Noninterest income to average assets | 5.3071% | 105 |
| Noninterest expense to average assets | 7.1505% | 109 |
| Loan and lease loss provision to assets | 0.4607% | 294 |
| Net operating income to assets | 0.8207% | 3,076 |
| Return on assets (ROA) | 0.8207% | 3,118 |
| Pretax return on assets | 1.1852% | 2,824 |
| Return on Equity (ROE) | 8.8519% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.8519% | 534 |
| Net charge-offs to loans | 0.4442% | 543 |
| Credit loss provision to net charge-offs | 118.6709% | 2,209 |
| Earnings coverage of net charge-offs (x) | 4.2395% | 3,497 |
| Efficiency ratio | 81.2887% | 981 |
| Assets per employee ($millions) | 2.0101% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,386 |
| Loan loss allowance to noncurrent loans | 262.4180% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 2,876 |
| Noncurrent loans to loans | 0.4831% | 3,068 |
| Net loans and leases to total assets | 86.7865% | 206 |
| Net loans and leases to deposits | 96.1667% | 1,078 |
| Net loans and leases to core deposits | 124.2332% | 476 |
| Total domestic deposits to total assets | 90.2459% | 483 |
| Equity capital to assets | 9.3991% | 4,330 |
| Core capital (leverage) ratio | 9.3570% | 4,219 |
| Tier 1 risk-based capital ratio | 11.3013% | 4,980 |
| Total risk-based capital ratio | 12.5522% | 4,854 |
| Memoranda: | ||
| Average total assets | $244,180,200 | 2,535 |
| Average earning assets | $228,887,000 | 2,507 |
| Average equity | $22,639,200 | 2,890 |
| Average total loans | $213,396,000 | 2,051 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,811 |
| Cost of funding earning assets | 0.7404% | 798 |
| Net interest margin | 3.7030% | 2,750 |
| Noninterest income to average assets | 5.2901% | 107 |
| Noninterest expense to average assets | 6.9990% | 119 |
| Loan and lease loss provision to assets | 0.4604% | 274 |
| Net operating income to assets | 0.8905% | 3,074 |
| Return on assets (ROA) | 0.8905% | 3,126 |
| Pretax return on assets | 1.2969% | 2,511 |
| Return on Equity (ROE) | 9.6388% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.6388% | 667 |
| Net charge-offs to loans | 0.4916% | 418 |
| Credit loss provision to net charge-offs | 107.3077% | 2,175 |
| Earnings coverage of net charge-offs (x) | 4.0962% | 3,266 |
| Efficiency ratio | 79.9309% | 1,114 |
| Assets per employee ($millions) | 2.0368% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,769 |
| Loan loss allowance to noncurrent loans | 265.8730% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 3,146 |
| Noncurrent loans to loans | 0.4611% | 3,319 |
| Net loans and leases to total assets | 84.8031% | 357 |
| Net loans and leases to deposits | 93.7764% | 1,325 |
| Net loans and leases to core deposits | 120.7844% | 564 |
| Total domestic deposits to total assets | 90.4312% | 344 |
| Equity capital to assets | 9.1246% | 4,804 |
| Core capital (leverage) ratio | 9.0989% | 4,634 |
| Tier 1 risk-based capital ratio | 11.1664% | 5,146 |
| Total risk-based capital ratio | 12.4171% | 5,049 |
| Memoranda: | ||
| Average total assets | $242,410,500 | 2,564 |
| Average earning assets | $226,907,500 | 2,550 |
| Average equity | $22,395,000 | 2,931 |
| Average total loans | $211,530,250 | 2,075 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 1,768 |
| Cost of funding earning assets | 0.7057% | 872 |
| Net interest margin | 3.7091% | 2,624 |
| Noninterest income to average assets | 5.3007% | 109 |
| Noninterest expense to average assets | 7.0301% | 124 |
| Loan and lease loss provision to assets | 0.4128% | 315 |
| Net operating income to assets | 0.8970% | 2,930 |
| Return on assets (ROA) | 0.8970% | 2,986 |
| Pretax return on assets | 1.3241% | 2,291 |
| Return on Equity (ROE) | 9.6671% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.6671% | 654 |
| Net charge-offs to loans | 0.4542% | 440 |
| Credit loss provision to net charge-offs | 103.5789% | 1,961 |
| Earnings coverage of net charge-offs (x) | 4.3579% | 2,942 |
| Efficiency ratio | 80.1876% | 1,193 |
| Assets per employee ($millions) | 1.9997% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 3,049 |
| Loan loss allowance to noncurrent loans | 69.2187% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 923 |
| Noncurrent loans to loans | 1.7263% | 1,049 |
| Net loans and leases to total assets | 87.3304% | 181 |
| Net loans and leases to deposits | 96.5266% | 1,030 |
| Net loans and leases to core deposits | 122.1344% | 485 |
| Total domestic deposits to total assets | 90.4729% | 368 |
| Equity capital to assets | 9.0742% | 4,828 |
| Core capital (leverage) ratio | 9.4568% | 4,175 |
| Tier 1 risk-based capital ratio | 10.9825% | 5,258 |
| Total risk-based capital ratio | 12.2327% | 5,161 |
| Memoranda: | ||
| Average total assets | $238,348,000 | 2,606 |
| Average earning assets | $222,751,670 | 2,596 |
| Average equity | $22,116,330 | 2,961 |
| Average total loans | $209,178,000 | 2,093 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 1,792 |
| Cost of funding earning assets | 0.7175% | 772 |
| Net interest margin | 3.6409% | 2,736 |
| Noninterest income to average assets | 5.2464% | 108 |
| Noninterest expense to average assets | 7.2452% | 124 |
| Loan and lease loss provision to assets | 0.2873% | 490 |
| Net operating income to assets | 0.7603% | 3,426 |
| Return on assets (ROA) | 0.7603% | 3,479 |
| Pretax return on assets | 1.1181% | 2,909 |
| Return on Equity (ROE) | 8.0976% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.0976% | 1,420 |
| Net charge-offs to loans | 0.2263% | 794 |
| Credit loss provision to net charge-offs | 145.2174% | 1,235 |
| Earnings coverage of net charge-offs (x) | 7.1043% | 2,167 |
| Efficiency ratio | 83.7542% | 991 |
| Assets per employee ($millions) | 1.9180% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,581 |
| Loan loss allowance to noncurrent loans | 68.0488% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.6663% | 911 |
| Noncurrent loans to loans | 1.8973% | 954 |
| Net loans and leases to total assets | 86.6894% | 174 |
| Net loans and leases to deposits | 96.0376% | 932 |
| Net loans and leases to core deposits | 118.5127% | 504 |
| Total domestic deposits to total assets | 90.2661% | 556 |
| Equity capital to assets | 9.3482% | 4,445 |
| Core capital (leverage) ratio | 9.6028% | 3,996 |
| Tier 1 risk-based capital ratio | 11.1522% | 5,229 |
| Total risk-based capital ratio | 12.4033% | 5,126 |
| Memoranda: | ||
| Average total assets | $232,541,500 | 2,690 |
| Average earning assets | $217,421,500 | 2,666 |
| Average equity | $21,833,500 | 3,000 |
| Average total loans | $203,301,000 | 2,147 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 1,916 |
| Cost of funding earning assets | 0.6874% | 873 |
| Net interest margin | 3.6817% | 2,770 |
| Noninterest income to average assets | 5.5918% | 110 |
| Noninterest expense to average assets | 7.3320% | 121 |
| Loan and lease loss provision to assets | 0.2814% | 706 |
| Net operating income to assets | 1.0005% | 2,354 |
| Return on assets (ROA) | 1.0005% | 2,457 |
| Pretax return on assets | 1.4354% | 1,799 |
| Return on Equity (ROE) | 10.8990% | 1,613 |
| Retained earnings to average equity (ytd only) | 10.8990% | 315 |
| Net charge-offs to loans | 0.2425% | 1,148 |
| Credit loss provision to net charge-offs | 133.6887% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.1557% | 2,912 |
| Efficiency ratio | 81.0268% | 1,301 |
| Assets per employee ($millions) | 1.8188% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,459 |
| Loan loss allowance to noncurrent loans | 62.5865% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.8288% | 796 |
| Noncurrent loans to loans | 2.1017% | 835 |
| Net loans and leases to total assets | 85.8718% | 238 |
| Net loans and leases to deposits | 95.1655% | 1,077 |
| Net loans and leases to core deposits | 116.9407% | 578 |
| Total domestic deposits to total assets | 90.2342% | 547 |
| Equity capital to assets | 9.4312% | 4,347 |
| Core capital (leverage) ratio | 9.1801% | 4,506 |
| Tier 1 risk-based capital ratio | 11.6979% | 4,925 |
| Total risk-based capital ratio | 12.9498% | 4,830 |
| Memoranda: | ||
| Average total assets | $222,790,800 | 2,735 |
| Average earning assets | $209,198,200 | 2,700 |
| Average equity | $20,451,400 | 3,123 |
| Average total loans | $193,394,400 | 2,170 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 1,974 |
| Cost of funding earning assets | 0.6781% | 915 |
| Net interest margin | 3.6827% | 2,785 |
| Noninterest income to average assets | 5.2646% | 116 |
| Noninterest expense to average assets | 6.8745% | 138 |
| Loan and lease loss provision to assets | 0.2706% | 658 |
| Net operating income to assets | 1.1049% | 1,978 |
| Return on assets (ROA) | 1.1049% | 2,082 |
| Pretax return on assets | 1.5829% | 1,429 |
| Return on Equity (ROE) | 12.1221% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.1221% | 288 |
| Net charge-offs to loans | 0.3224% | 718 |
| Credit loss provision to net charge-offs | 96.7672% | 2,426 |
| Earnings coverage of net charge-offs (x) | 6.6272% | 2,980 |
| Efficiency ratio | 78.7638% | 1,587 |
| Assets per employee ($millions) | 1.9815% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 3,001 |
| Loan loss allowance to noncurrent loans | 55.8468% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 876 |
| Noncurrent loans to loans | 2.2255% | 837 |
| Net loans and leases to total assets | 79.2327% | 1,004 |
| Net loans and leases to deposits | 87.1944% | 2,117 |
| Net loans and leases to core deposits | 109.6747% | 944 |
| Total domestic deposits to total assets | 90.8691% | 222 |
| Equity capital to assets | 8.6352% | 5,445 |
| Core capital (leverage) ratio | 9.2467% | 4,538 |
| Tier 1 risk-based capital ratio | 11.7363% | 4,960 |
| Total risk-based capital ratio | 12.9875% | 4,858 |
| Memoranda: | ||
| Average total assets | $221,197,000 | 2,753 |
| Average earning assets | $208,027,750 | 2,726 |
| Average equity | $20,161,000 | 3,177 |
| Average total loans | $191,890,000 | 2,187 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,803 |
| Cost of funding earning assets | 0.6793% | 896 |
| Net interest margin | 3.7296% | 2,581 |
| Noninterest income to average assets | 4.7158% | 135 |
| Noninterest expense to average assets | 6.6620% | 147 |
| Loan and lease loss provision to assets | 0.2479% | 784 |
| Net operating income to assets | 0.9614% | 2,567 |
| Return on assets (ROA) | 0.9614% | 2,717 |
| Pretax return on assets | 1.3163% | 2,342 |
| Return on Equity (ROE) | 10.3387% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.3387% | 538 |
| Net charge-offs to loans | 0.4670% | 472 |
| Credit loss provision to net charge-offs | 59.4595% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.7523% | 3,062 |
| Efficiency ratio | 80.9861% | 1,384 |
| Assets per employee ($millions) | 1.8011% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,792 |
| Loan loss allowance to noncurrent loans | 51.1873% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.1258% | 741 |
| Noncurrent loans to loans | 2.2054% | 853 |
| Net loans and leases to total assets | 91.8280% | 25 |
| Net loans and leases to deposits | 101.8691% | 570 |
| Net loans and leases to core deposits | 130.5175% | 299 |
| Total domestic deposits to total assets | 90.1431% | 432 |
| Equity capital to assets | 9.3636% | 4,902 |
| Core capital (leverage) ratio | 9.4845% | 4,228 |
| Tier 1 risk-based capital ratio | 11.2409% | 5,297 |
| Total risk-based capital ratio | 12.4913% | 5,205 |
| Memoranda: | ||
| Average total assets | $213,028,000 | 2,854 |
| Average earning assets | $200,502,330 | 2,806 |
| Average equity | $19,809,000 | 3,219 |
| Average total loans | $190,144,000 | 2,210 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 2,176 |
| Cost of funding earning assets | 0.6919% | 839 |
| Net interest margin | 3.5951% | 3,101 |
| Noninterest income to average assets | 3.7726% | 164 |
| Noninterest expense to average assets | 6.3142% | 161 |
| Loan and lease loss provision to assets | 0.1729% | 1,184 |
| Net operating income to assets | 0.4825% | 4,702 |
| Return on assets (ROA) | 0.4825% | 4,798 |
| Pretax return on assets | 0.6611% | 4,647 |
| Return on Equity (ROE) | 5.2076% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.2076% | 2,811 |
| Net charge-offs to loans | 0.9195% | 211 |
| Credit loss provision to net charge-offs | 21.5130% | 2,287 |
| Earnings coverage of net charge-offs (x) | 1.0378% | 2,867 |
| Efficiency ratio | 88.3338% | 784 |
| Assets per employee ($millions) | 1.9149% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,895 |
| Loan loss allowance to noncurrent loans | 48.7989% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 798 |
| Noncurrent loans to loans | 2.3111% | 863 |
| Net loans and leases to total assets | 87.1899% | 158 |
| Net loans and leases to deposits | 96.4141% | 902 |
| Net loans and leases to core deposits | 125.9807% | 338 |
| Total domestic deposits to total assets | 90.4327% | 449 |
| Equity capital to assets | 9.1560% | 5,035 |
| Core capital (leverage) ratio | 9.4530% | 4,270 |
| Tier 1 risk-based capital ratio | 11.5495% | 5,206 |
| Total risk-based capital ratio | 12.7994% | 5,109 |
| Memoranda: | ||
| Average total assets | $210,572,500 | 2,888 |
| Average earning assets | $197,711,000 | 2,844 |
| Average equity | $19,510,000 | 3,253 |
| Average total loans | $184,009,000 | 2,274 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,416 |
| Cost of funding earning assets | 0.5437% | 1,819 |
| Net interest margin | 4.0251% | 1,633 |
| Noninterest income to average assets | 4.7939% | 130 |
| Noninterest expense to average assets | 6.9733% | 142 |
| Loan and lease loss provision to assets | 0.2526% | 749 |
| Net operating income to assets | 0.9405% | 2,660 |
| Return on assets (ROA) | 0.9405% | 2,733 |
| Pretax return on assets | 1.3828% | 1,970 |
| Return on Equity (ROE) | 10.1104% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.1104% | 451 |
| Net charge-offs to loans | 0.2702% | 1,125 |
| Credit loss provision to net charge-offs | 104.1494% | 2,409 |
| Earnings coverage of net charge-offs (x) | 6.7427% | 3,175 |
| Efficiency ratio | 81.0030% | 1,534 |
| Assets per employee ($millions) | 2.0065% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,523 |
| Loan loss allowance to noncurrent loans | 75.2672% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.5846% | 1,251 |
| Noncurrent loans to loans | 1.8308% | 1,185 |
| Net loans and leases to total assets | 85.3629% | 281 |
| Net loans and leases to deposits | 94.5664% | 1,145 |
| Net loans and leases to core deposits | 125.9283% | 338 |
| Total domestic deposits to total assets | 90.2678% | 517 |
| Equity capital to assets | 9.3785% | 4,699 |
| Core capital (leverage) ratio | 9.4691% | 4,223 |
| Tier 1 risk-based capital ratio | 11.9968% | 4,951 |
| Total risk-based capital ratio | 13.2514% | 4,847 |
| Memoranda: | ||
| Average total assets | $198,730,600 | 2,965 |
| Average earning assets | $188,344,800 | 2,907 |
| Average equity | $18,486,000 | 3,317 |
| Average total loans | $178,377,200 | 2,260 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,205 |
| Cost of funding earning assets | 0.5292% | 1,967 |
| Net interest margin | 4.1218% | 1,352 |
| Noninterest income to average assets | 4.9281% | 131 |
| Noninterest expense to average assets | 7.0513% | 147 |
| Loan and lease loss provision to assets | 0.2765% | 575 |
| Net operating income to assets | 1.0389% | 2,281 |
| Return on assets (ROA) | 1.0389% | 2,377 |
| Pretax return on assets | 1.5119% | 1,650 |
| Return on Equity (ROE) | 11.1925% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.1925% | 448 |
| Net charge-offs to loans | 0.0396% | 3,095 |
| Credit loss provision to net charge-offs | 769.8113% | 452 |
| Earnings coverage of net charge-offs (x) | 49.7959% | 1,058 |
| Efficiency ratio | 79.7685% | 1,692 |
| Assets per employee ($millions) | 2.0589% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 1,733 |
| Loan loss allowance to noncurrent loans | 79.1408% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.7597% | 1,230 |
| Noncurrent loans to loans | 2.0416% | 1,131 |
| Net loans and leases to total assets | 83.6432% | 409 |
| Net loans and leases to deposits | 92.8440% | 1,324 |
| Net loans and leases to core deposits | 123.8253% | 384 |
| Total domestic deposits to total assets | 90.0901% | 536 |
| Equity capital to assets | 9.3443% | 4,945 |
| Core capital (leverage) ratio | 9.4923% | 4,313 |
| Tier 1 risk-based capital ratio | 12.2551% | 4,920 |
| Total risk-based capital ratio | 13.5117% | 4,810 |
| Memoranda: | ||
| Average total assets | $196,744,750 | 3,008 |
| Average earning assets | $186,709,000 | 2,946 |
| Average equity | $18,261,750 | 3,376 |
| Average total loans | $178,249,500 | 2,264 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 1,100 |
| Cost of funding earning assets | 0.5254% | 2,028 |
| Net interest margin | 4.1618% | 1,198 |
| Noninterest income to average assets | 4.7433% | 137 |
| Noninterest expense to average assets | 7.0532% | 146 |
| Loan and lease loss provision to assets | 0.2634% | 636 |
| Net operating income to assets | 0.9661% | 2,557 |
| Return on assets (ROA) | 0.9661% | 2,665 |
| Pretax return on assets | 1.3880% | 2,035 |
| Return on Equity (ROE) | 10.4333% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.4333% | 596 |
| Net charge-offs to loans | 0.0011% | 3,871 |
| Credit loss provision to net charge-offs | 25,600.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,605.0000% | 35 |
| Efficiency ratio | 81.0284% | 1,622 |
| Assets per employee ($millions) | 1.9548% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 2,601 |
| Loan loss allowance to noncurrent loans | 82.0918% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 1,469 |
| Noncurrent loans to loans | 1.7450% | 1,473 |
| Net loans and leases to total assets | 92.2700% | 25 |
| Net loans and leases to deposits | 106.3069% | 365 |
| Net loans and leases to core deposits | 137.1662% | 188 |
| Total domestic deposits to total assets | 86.7959% | 2,269 |
| Equity capital to assets | 9.1648% | 5,064 |
| Core capital (leverage) ratio | 9.3072% | 4,541 |
| Tier 1 risk-based capital ratio | 11.1064% | 5,658 |
| Total risk-based capital ratio | 12.3607% | 5,583 |
| Memoranda: | ||
| Average total assets | $194,381,000 | 3,047 |
| Average earning assets | $185,017,000 | 2,991 |
| Average equity | $18,000,000 | 3,423 |
| Average total loans | $179,901,000 | 2,261 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 1,026 |
| Cost of funding earning assets | 0.5214% | 2,099 |
| Net interest margin | 4.1840% | 1,100 |
| Noninterest income to average assets | 4.9388% | 128 |
| Noninterest expense to average assets | 7.0781% | 143 |
| Loan and lease loss provision to assets | 0.2263% | 773 |
| Net operating income to assets | 1.0875% | 1,912 |
| Return on assets (ROA) | 1.0875% | 2,026 |
| Pretax return on assets | 1.6197% | 1,222 |
| Return on Equity (ROE) | 11.6803% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.6803% | 614 |
| Net charge-offs to loans | 0.0068% | 3,098 |
| Credit loss provision to net charge-offs | 3,600.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 293.6667% | 195 |
| Efficiency ratio | 79.3144% | 1,985 |
| Assets per employee ($millions) | 1.8648% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 2,736 |
| Loan loss allowance to noncurrent loans | 82.0727% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 1,600 |
| Noncurrent loans to loans | 1.7549% | 1,553 |
| Net loans and leases to total assets | 89.9766% | 55 |
| Net loans and leases to deposits | 102.1543% | 449 |
| Net loans and leases to core deposits | 131.1246% | 232 |
| Total domestic deposits to total assets | 88.0791% | 1,775 |
| Equity capital to assets | 9.2984% | 4,970 |
| Core capital (leverage) ratio | 9.4195% | 4,397 |
| Tier 1 risk-based capital ratio | 11.2813% | 5,676 |
| Total risk-based capital ratio | 12.5350% | 5,581 |
| Memoranda: | ||
| Average total assets | $190,898,500 | 3,108 |
| Average earning assets | $181,834,500 | 3,047 |
| Average equity | $17,773,500 | 3,484 |
| Average total loans | $175,610,500 | 2,311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 1,206 |
| Cost of funding earning assets | 0.5518% | 2,191 |
| Net interest margin | 4.1983% | 1,306 |
| Noninterest income to average assets | 3.2027% | 179 |
| Noninterest expense to average assets | 5.7339% | 207 |
| Loan and lease loss provision to assets | 0.2370% | 1,003 |
| Net operating income to assets | 0.8162% | 3,296 |
| Return on assets (ROA) | 0.8162% | 3,382 |
| Pretax return on assets | 1.2055% | 2,634 |
| Return on Equity (ROE) | 8.2887% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.0764% | 1,875 |
| Net charge-offs to loans | 0.0769% | 3,386 |
| Credit loss provision to net charge-offs | 345.7627% | 761 |
| Earnings coverage of net charge-offs (x) | 21.0424% | 1,697 |
| Efficiency ratio | 79.8996% | 1,946 |
| Assets per employee ($millions) | 1.9367% | 6,382 |
| Cash dividends to net income (ytd only)* | 26.6904% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 2,934 |
| Loan loss allowance to noncurrent loans | 77.4960% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 1,600 |
| Noncurrent loans to loans | 1.8114% | 1,585 |
| Net loans and leases to total assets | 91.4128% | 38 |
| Net loans and leases to deposits | 102.2854% | 501 |
| Net loans and leases to core deposits | 130.1581% | 244 |
| Total domestic deposits to total assets | 89.3703% | 1,035 |
| Equity capital to assets | 9.3229% | 4,938 |
| Core capital (leverage) ratio | 9.6345% | 4,052 |
| Tier 1 risk-based capital ratio | 11.5871% | 5,615 |
| Total risk-based capital ratio | 12.8421% | 5,525 |
| Memoranda: | ||
| Average total assets | $172,134,200 | 3,308 |
| Average earning assets | $162,923,600 | 3,240 |
| Average equity | $16,950,800 | 3,532 |
| Average total loans | $153,428,800 | 2,522 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 1,209 |
| Cost of funding earning assets | 0.5580% | 2,212 |
| Net interest margin | 4.1834% | 1,342 |
| Noninterest income to average assets | 2.4842% | 247 |
| Noninterest expense to average assets | 5.1706% | 272 |
| Loan and lease loss provision to assets | 0.1894% | 1,286 |
| Net operating income to assets | 0.7245% | 3,815 |
| Return on assets (ROA) | 0.7245% | 3,920 |
| Pretax return on assets | 1.0820% | 3,261 |
| Return on Equity (ROE) | 7.2495% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.8700% | 3,175 |
| Net charge-offs to loans | 0.0935% | 2,877 |
| Credit loss provision to net charge-offs | 229.8077% | 1,137 |
| Earnings coverage of net charge-offs (x) | 15.4234% | 2,050 |
| Efficiency ratio | 80.2633% | 1,875 |
| Assets per employee ($millions) | 1.9353% | 6,458 |
| Cash dividends to net income (ytd only)* | 32.8227% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 3,050 |
| Loan loss allowance to noncurrent loans | 73.3974% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 1,707 |
| Noncurrent loans to loans | 1.9429% | 1,644 |
| Net loans and leases to total assets | 88.9060% | 81 |
| Net loans and leases to deposits | 98.8664% | 680 |
| Net loans and leases to core deposits | 125.4322% | 293 |
| Total domestic deposits to total assets | 89.9254% | 770 |
| Equity capital to assets | 9.6029% | 4,664 |
| Core capital (leverage) ratio | 9.9845% | 3,701 |
| Tier 1 risk-based capital ratio | 12.2174% | 5,351 |
| Total risk-based capital ratio | 13.4729% | 5,265 |
| Memoranda: | ||
| Average total assets | $168,202,750 | 3,388 |
| Average earning assets | $159,134,250 | 3,318 |
| Average equity | $16,810,000 | 3,572 |
| Average total loans | $148,242,750 | 2,609 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,147 |
| Cost of funding earning assets | 0.5652% | 2,206 |
| Net interest margin | 4.1989% | 1,243 |
| Noninterest income to average assets | 1.7851% | 417 |
| Noninterest expense to average assets | 4.3172% | 542 |
| Loan and lease loss provision to assets | 0.1819% | 1,347 |
| Net operating income to assets | 0.8210% | 3,230 |
| Return on assets (ROA) | 0.8210% | 3,326 |
| Pretax return on assets | 1.2503% | 2,452 |
| Return on Equity (ROE) | 8.1010% | 3,033 |
| Retained earnings to average equity (ytd only) | 4.5112% | 3,308 |
| Net charge-offs to loans | 0.1457% | 2,219 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 11.2476% | 2,178 |
| Efficiency ratio | 75.0896% | 2,796 |
| Assets per employee ($millions) | 1.9918% | 6,510 |
| Cash dividends to net income (ytd only)* | 44.3131% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 3,000 |
| Loan loss allowance to noncurrent loans | 63.6943% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.0644% | 1,535 |
| Noncurrent loans to loans | 2.3204% | 1,394 |
| Net loans and leases to total assets | 87.6540% | 109 |
| Net loans and leases to deposits | 97.9267% | 674 |
| Net loans and leases to core deposits | 125.5150% | 274 |
| Total domestic deposits to total assets | 89.5098% | 1,085 |
| Equity capital to assets | 10.0778% | 4,004 |
| Core capital (leverage) ratio | 10.2820% | 3,232 |
| Tier 1 risk-based capital ratio | 12.8487% | 5,007 |
| Total risk-based capital ratio | 14.1046% | 4,942 |
| Memoranda: | ||
| Average total assets | $164,920,000 | 3,462 |
| Average earning assets | $155,708,000 | 3,379 |
| Average equity | $16,714,000 | 3,581 |
| Average total loans | $144,127,670 | 2,668 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 1,148 |
| Cost of funding earning assets | 0.5672% | 2,269 |
| Net interest margin | 4.1799% | 1,270 |
| Noninterest income to average assets | 1.1507% | 839 |
| Noninterest expense to average assets | 3.4375% | 1,615 |
| Loan and lease loss provision to assets | 0.1319% | 1,842 |
| Net operating income to assets | 1.0114% | 2,167 |
| Return on assets (ROA) | 1.0114% | 2,234 |
| Pretax return on assets | 1.5245% | 1,355 |
| Return on Equity (ROE) | 9.9516% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.5479% | 1,793 |
| Net charge-offs to loans | 0.0677% | 2,473 |
| Credit loss provision to net charge-offs | 225.0000% | 960 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,088 |
| Efficiency ratio | 67.4820% | 4,278 |
| Assets per employee ($millions) | 3.3605% | 5,232 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 2,942 |
| Loan loss allowance to noncurrent loans | 58.3445% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.2743% | 1,446 |
| Noncurrent loans to loans | 2.6516% | 1,284 |
| Net loans and leases to total assets | 84.4455% | 213 |
| Net loans and leases to deposits | 94.4179% | 751 |
| Net loans and leases to core deposits | 111.0718% | 545 |
| Total domestic deposits to total assets | 89.4380% | 1,402 |
| Equity capital to assets | 10.2013% | 3,597 |
| Core capital (leverage) ratio | 10.3205% | 3,150 |
| Tier 1 risk-based capital ratio | 13.4223% | 4,753 |
| Total risk-based capital ratio | 14.6792% | 4,677 |
| Memoranda: | ||
| Average total assets | $163,725,500 | 3,501 |
| Average earning assets | $154,453,000 | 3,429 |
| Average equity | $16,640,500 | 3,597 |
| Average total loans | $141,765,000 | 2,708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,133 |
| Cost of funding earning assets | 0.6470% | 2,226 |
| Net interest margin | 4.2327% | 1,266 |
| Noninterest income to average assets | 1.3841% | 732 |
| Noninterest expense to average assets | 3.4072% | 1,866 |
| Loan and lease loss provision to assets | 0.3054% | 1,098 |
| Net operating income to assets | 1.0836% | 1,988 |
| Return on assets (ROA) | 1.0836% | 2,061 |
| Pretax return on assets | 1.6513% | 1,051 |
| Return on Equity (ROE) | 11.0946% | 1,736 |
| Retained earnings to average equity (ytd only) | 7.9427% | 1,073 |
| Net charge-offs to loans | 0.1729% | 3,096 |
| Credit loss provision to net charge-offs | 205.8091% | 1,117 |
| Earnings coverage of net charge-offs (x) | 13.1867% | 2,052 |
| Efficiency ratio | 63.5216% | 4,982 |
| Assets per employee ($millions) | 3.1919% | 5,502 |
| Cash dividends to net income (ytd only)* | 28.4091% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 3,121 |
| Loan loss allowance to noncurrent loans | 55.8869% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.3688% | 1,470 |
| Noncurrent loans to loans | 2.7099% | 1,346 |
| Net loans and leases to total assets | 86.0872% | 151 |
| Net loans and leases to deposits | 96.0474% | 731 |
| Net loans and leases to core deposits | 111.8858% | 544 |
| Total domestic deposits to total assets | 89.6299% | 1,257 |
| Equity capital to assets | 10.1256% | 3,595 |
| Core capital (leverage) ratio | 9.8172% | 3,820 |
| Tier 1 risk-based capital ratio | 13.3447% | 4,752 |
| Total risk-based capital ratio | 14.6012% | 4,691 |
| Memoranda: | ||
| Average total assets | $162,419,200 | 3,524 |
| Average earning assets | $152,715,600 | 3,459 |
| Average equity | $15,863,600 | 3,725 |
| Average total loans | $139,396,600 | 2,712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 1,164 |
| Cost of funding earning assets | 0.6569% | 2,306 |
| Net interest margin | 4.2225% | 1,272 |
| Noninterest income to average assets | 1.2592% | 926 |
| Noninterest expense to average assets | 3.3093% | 2,056 |
| Loan and lease loss provision to assets | 0.3721% | 840 |
| Net operating income to assets | 1.0169% | 2,308 |
| Return on assets (ROA) | 1.0169% | 2,397 |
| Pretax return on assets | 1.5483% | 1,471 |
| Return on Equity (ROE) | 10.5077% | 1,994 |
| Retained earnings to average equity (ytd only) | 7.9614% | 1,421 |
| Net charge-offs to loans | 0.1952% | 2,672 |
| Credit loss provision to net charge-offs | 223.1527% | 1,096 |
| Earnings coverage of net charge-offs (x) | 11.5173% | 2,234 |
| Efficiency ratio | 63.2794% | 4,926 |
| Assets per employee ($millions) | 3.4300% | 4,992 |
| Cash dividends to net income (ytd only)* | 24.2326% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 3,199 |
| Loan loss allowance to noncurrent loans | 54.9310% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.3288% | 1,691 |
| Noncurrent loans to loans | 2.8338% | 1,466 |
| Net loans and leases to total assets | 80.8990% | 461 |
| Net loans and leases to deposits | 89.9366% | 1,172 |
| Net loans and leases to core deposits | 107.6182% | 683 |
| Total domestic deposits to total assets | 89.9512% | 1,027 |
| Equity capital to assets | 9.6162% | 4,395 |
| Core capital (leverage) ratio | 9.7070% | 4,095 |
| Tier 1 risk-based capital ratio | 13.4069% | 4,832 |
| Total risk-based capital ratio | 14.6562% | 4,773 |
| Memoranda: | ||
| Average total assets | $162,327,750 | 3,564 |
| Average earning assets | $152,638,500 | 3,491 |
| Average equity | $15,708,750 | 3,792 |
| Average total loans | $138,672,750 | 2,735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 1,054 |
| Cost of funding earning assets | 0.6681% | 2,334 |
| Net interest margin | 4.2489% | 1,143 |
| Noninterest income to average assets | 1.2031% | 1,057 |
| Noninterest expense to average assets | 3.2940% | 2,086 |
| Loan and lease loss provision to assets | 0.4077% | 755 |
| Net operating income to assets | 0.9762% | 2,440 |
| Return on assets (ROA) | 0.9762% | 2,584 |
| Pretax return on assets | 1.4899% | 1,648 |
| Return on Equity (ROE) | 10.0658% | 2,173 |
| Retained earnings to average equity (ytd only) | 8.7802% | 1,191 |
| Net charge-offs to loans | 0.2909% | 2,026 |
| Credit loss provision to net charge-offs | 161.8812% | 1,446 |
| Earnings coverage of net charge-offs (x) | 7.5347% | 2,533 |
| Efficiency ratio | 63.4486% | 4,940 |
| Assets per employee ($millions) | 3.2516% | 5,373 |
| Cash dividends to net income (ytd only)* | 12.7714% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,776 |
| Loan loss allowance to noncurrent loans | 51.4482% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 2.4209% | 1,755 |
| Noncurrent loans to loans | 2.8363% | 1,594 |
| Net loans and leases to total assets | 84.1108% | 230 |
| Net loans and leases to deposits | 93.6675% | 831 |
| Net loans and leases to core deposits | 111.5208% | 501 |
| Total domestic deposits to total assets | 89.7971% | 1,151 |
| Equity capital to assets | 9.7834% | 4,200 |
| Core capital (leverage) ratio | 9.9066% | 3,647 |
| Tier 1 risk-based capital ratio | 13.2107% | 4,983 |
| Total risk-based capital ratio | 14.4740% | 4,916 |
| Memoranda: | ||
| Average total assets | $160,413,670 | 3,603 |
| Average earning assets | $150,579,670 | 3,540 |
| Average equity | $15,557,670 | 3,841 |
| Average total loans | $138,858,000 | 2,738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 953 |
| Cost of funding earning assets | 0.6886% | 2,315 |
| Net interest margin | 4.2815% | 1,002 |
| Noninterest income to average assets | 1.2829% | 924 |
| Noninterest expense to average assets | 3.3114% | 2,054 |
| Loan and lease loss provision to assets | 0.3891% | 800 |
| Net operating income to assets | 1.0519% | 2,029 |
| Return on assets (ROA) | 1.0519% | 2,138 |
| Pretax return on assets | 1.5942% | 1,316 |
| Return on Equity (ROE) | 10.8948% | 1,739 |
| Retained earnings to average equity (ytd only) | 8.2946% | 1,643 |
| Net charge-offs to loans | 0.1296% | 2,631 |
| Credit loss provision to net charge-offs | 344.4444% | 713 |
| Earnings coverage of net charge-offs (x) | 17.5556% | 1,309 |
| Efficiency ratio | 62.5415% | 5,227 |
| Assets per employee ($millions) | 3.3524% | 5,329 |
| Cash dividends to net income (ytd only)* | 23.8663% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 3,948 |
| Loan loss allowance to noncurrent loans | 49.1563% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.5411% | 1,806 |
| Noncurrent loans to loans | 2.9815% | 1,685 |
| Net loans and leases to total assets | 83.9793% | 191 |
| Net loans and leases to deposits | 93.2719% | 713 |
| Net loans and leases to core deposits | 110.0473% | 496 |
| Total domestic deposits to total assets | 90.0371% | 1,025 |
| Equity capital to assets | 9.6590% | 4,628 |
| Core capital (leverage) ratio | 9.9063% | 3,523 |
| Tier 1 risk-based capital ratio | 13.0597% | 5,173 |
| Total risk-based capital ratio | 14.3234% | 5,119 |
| Memoranda: | ||
| Average total assets | $159,329,500 | 3,659 |
| Average earning assets | $149,294,000 | 3,607 |
| Average equity | $15,383,500 | 3,922 |
| Average total loans | $138,900,000 | 2,747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 1,085 |
| Cost of funding earning assets | 0.8624% | 2,198 |
| Net interest margin | 4.3569% | 1,259 |
| Noninterest income to average assets | 1.2627% | 983 |
| Noninterest expense to average assets | 3.0786% | 2,989 |
| Loan and lease loss provision to assets | 0.4884% | 1,243 |
| Net operating income to assets | 1.1807% | 1,661 |
| Return on assets (ROA) | 1.1807% | 1,823 |
| Pretax return on assets | 1.7563% | 1,009 |
| Return on Equity (ROE) | 12.7077% | 1,309 |
| Retained earnings to average equity (ytd only) | 11.3279% | 404 |
| Net charge-offs to loans | 0.4918% | 2,265 |
| Credit loss provision to net charge-offs | 115.1057% | 2,519 |
| Earnings coverage of net charge-offs (x) | 5.2900% | 3,078 |
| Efficiency ratio | 57.8326% | 5,856 |
| Assets per employee ($millions) | 3.2863% | 5,447 |
| Cash dividends to net income (ytd only)* | 10.8578% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 4,400 |
| Loan loss allowance to noncurrent loans | 45.3569% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 2.6556% | 1,821 |
| Noncurrent loans to loans | 2.9783% | 1,753 |
| Net loans and leases to total assets | 87.9620% | 81 |
| Net loans and leases to deposits | 97.7471% | 521 |
| Net loans and leases to core deposits | 114.3468% | 407 |
| Total domestic deposits to total assets | 89.9893% | 958 |
| Equity capital to assets | 9.6512% | 4,651 |
| Core capital (leverage) ratio | 9.6394% | 3,904 |
| Tier 1 risk-based capital ratio | 12.4709% | 5,499 |
| Total risk-based capital ratio | 13.7324% | 5,445 |
| Memoranda: | ||
| Average total assets | $156,010,000 | 3,685 |
| Average earning assets | $145,401,400 | 3,635 |
| Average equity | $14,495,200 | 4,066 |
| Average total loans | $134,608,000 | 2,800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 1,042 |
| Cost of funding earning assets | 0.8964% | 2,195 |
| Net interest margin | 4.3865% | 1,235 |
| Noninterest income to average assets | 1.1827% | 1,084 |
| Noninterest expense to average assets | 2.8547% | 3,775 |
| Loan and lease loss provision to assets | 0.4551% | 1,369 |
| Net operating income to assets | 1.3249% | 1,386 |
| Return on assets (ROA) | 1.3249% | 1,518 |
| Pretax return on assets | 1.9574% | 765 |
| Return on Equity (ROE) | 14.4015% | 1,024 |
| Retained earnings to average equity (ytd only) | 13.4699% | 351 |
| Net charge-offs to loans | 0.4217% | 2,411 |
| Credit loss provision to net charge-offs | 126.1283% | 2,281 |
| Earnings coverage of net charge-offs (x) | 6.6865% | 2,741 |
| Efficiency ratio | 54.1979% | 6,231 |
| Assets per employee ($millions) | 3.3999% | 5,209 |
| Cash dividends to net income (ytd only)* | 6.4683% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 4,142 |
| Loan loss allowance to noncurrent loans | 41.2260% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 1,687 |
| Noncurrent loans to loans | 3.5267% | 1,538 |
| Net loans and leases to total assets | 82.7763% | 294 |
| Net loans and leases to deposits | 91.9694% | 978 |
| Net loans and leases to core deposits | 105.5740% | 763 |
| Total domestic deposits to total assets | 90.0042% | 847 |
| Equity capital to assets | 9.6090% | 5,044 |
| Core capital (leverage) ratio | 9.6340% | 4,071 |
| Tier 1 risk-based capital ratio | 13.1146% | 5,157 |
| Total risk-based capital ratio | 14.3782% | 5,105 |
| Memoranda: | ||
| Average total assets | $155,577,000 | 3,726 |
| Average earning assets | $144,866,500 | 3,677 |
| Average equity | $14,313,000 | 4,140 |
| Average total loans | $133,096,750 | 2,850 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 886 |
| Cost of funding earning assets | 0.9276% | 2,206 |
| Net interest margin | 4.4623% | 1,059 |
| Noninterest income to average assets | 0.9465% | 1,627 |
| Noninterest expense to average assets | 2.7906% | 4,048 |
| Loan and lease loss provision to assets | 0.4340% | 1,498 |
| Net operating income to assets | 1.2929% | 1,460 |
| Return on assets (ROA) | 1.2929% | 1,608 |
| Pretax return on assets | 1.8789% | 886 |
| Return on Equity (ROE) | 14.2668% | 1,057 |
| Retained earnings to average equity (ytd only) | 14.2668% | 326 |
| Net charge-offs to loans | 0.4743% | 2,168 |
| Credit loss provision to net charge-offs | 106.3091% | 2,561 |
| Earnings coverage of net charge-offs (x) | 5.6656% | 2,788 |
| Efficiency ratio | 54.6808% | 6,253 |
| Assets per employee ($millions) | 3.5308% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,552 |
| Loan loss allowance to noncurrent loans | 167.4333% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 4,738 |
| Noncurrent loans to loans | 0.8212% | 4,875 |
| Net loans and leases to total assets | 84.0339% | 212 |
| Net loans and leases to deposits | 93.0698% | 847 |
| Net loans and leases to core deposits | 106.5045% | 718 |
| Total domestic deposits to total assets | 90.2912% | 768 |
| Equity capital to assets | 9.3895% | 5,204 |
| Core capital (leverage) ratio | 9.4564% | 4,206 |
| Tier 1 risk-based capital ratio | 12.6420% | 5,460 |
| Total risk-based capital ratio | 13.9039% | 5,431 |
| Memoranda: | ||
| Average total assets | $155,304,330 | 3,749 |
| Average earning assets | $144,678,330 | 3,700 |
| Average equity | $14,074,670 | 4,182 |
| Average total loans | $133,673,000 | 2,861 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3540% | 1,001 |
| Cost of funding earning assets | 0.9597% | 2,235 |
| Net interest margin | 4.3943% | 1,239 |
| Noninterest income to average assets | 0.9918% | 1,445 |
| Noninterest expense to average assets | 2.7872% | 4,087 |
| Loan and lease loss provision to assets | 0.4328% | 1,448 |
| Net operating income to assets | 1.2236% | 1,673 |
| Return on assets (ROA) | 1.2236% | 1,855 |
| Pretax return on assets | 1.8882% | 901 |
| Return on Equity (ROE) | 13.7497% | 1,239 |
| Retained earnings to average equity (ytd only) | 13.7497% | 593 |
| Net charge-offs to loans | 0.3514% | 2,248 |
| Credit loss provision to net charge-offs | 142.3729% | 1,735 |
| Earnings coverage of net charge-offs (x) | 7.6356% | 2,056 |
| Efficiency ratio | 54.5638% | 6,285 |
| Assets per employee ($millions) | 3.7715% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,685 |
| Loan loss allowance to noncurrent loans | 115.5528% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 4,234 |
| Noncurrent loans to loans | 1.1957% | 4,336 |
| Net loans and leases to total assets | 83.3593% | 202 |
| Net loans and leases to deposits | 91.7966% | 811 |
| Net loans and leases to core deposits | 104.1505% | 762 |
| Total domestic deposits to total assets | 90.8088% | 640 |
| Equity capital to assets | 8.8762% | 5,664 |
| Core capital (leverage) ratio | 9.1239% | 4,649 |
| Tier 1 risk-based capital ratio | 11.9892% | 5,968 |
| Total risk-based capital ratio | 13.2512% | 5,947 |
| Memoranda: | ||
| Average total assets | $155,279,500 | 3,775 |
| Average earning assets | $145,462,500 | 3,707 |
| Average equity | $13,818,500 | 4,234 |
| Average total loans | $134,324,500 | 2,865 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 1,302 |
| Cost of funding earning assets | 1.1540% | 2,326 |
| Net interest margin | 4.2943% | 1,717 |
| Noninterest income to average assets | 0.9997% | 1,368 |
| Noninterest expense to average assets | 2.8905% | 3,994 |
| Loan and lease loss provision to assets | 0.3660% | 2,798 |
| Net operating income to assets | 1.1491% | 1,673 |
| Return on assets (ROA) | 1.1491% | 1,783 |
| Pretax return on assets | 1.7697% | 859 |
| Return on Equity (ROE) | 13.0465% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.0465% | 222 |
| Net charge-offs to loans | 0.2609% | 4,144 |
| Credit loss provision to net charge-offs | 160.7903% | 1,717 |
| Earnings coverage of net charge-offs (x) | 9.3830% | 1,993 |
| Efficiency ratio | 57.5086% | 6,113 |
| Assets per employee ($millions) | 3.6228% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 4,728 |
| Loan loss allowance to noncurrent loans | 111.4551% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1928% | 4,252 |
| Noncurrent loans to loans | 1.1985% | 4,373 |
| Net loans and leases to total assets | 87.3809% | 94 |
| Net loans and leases to deposits | 96.2801% | 657 |
| Net loans and leases to core deposits | 109.2013% | 645 |
| Total domestic deposits to total assets | 90.7570% | 602 |
| Equity capital to assets | 8.9230% | 5,649 |
| Core capital (leverage) ratio | 8.9863% | 4,815 |
| Tier 1 risk-based capital ratio | 11.4560% | 6,192 |
| Total risk-based capital ratio | 12.7175% | 6,170 |
| Memoranda: | ||
| Average total assets | $144,543,200 | 3,898 |
| Average earning assets | $135,529,800 | 3,830 |
| Average equity | $12,731,400 | 4,386 |
| Average total loans | $126,116,400 | 3,057 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 1,419 |
| Cost of funding earning assets | 1.1882% | 2,399 |
| Net interest margin | 4.2490% | 1,914 |
| Noninterest income to average assets | 0.9114% | 1,607 |
| Noninterest expense to average assets | 2.7640% | 4,484 |
| Loan and lease loss provision to assets | 0.2879% | 3,211 |
| Net operating income to assets | 1.1918% | 1,675 |
| Return on assets (ROA) | 1.1918% | 1,792 |
| Pretax return on assets | 1.8405% | 882 |
| Return on Equity (ROE) | 13.5780% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.5780% | 324 |
| Net charge-offs to loans | 0.2506% | 3,860 |
| Credit loss provision to net charge-offs | 132.1888% | 2,414 |
| Earnings coverage of net charge-offs (x) | 9.7725% | 2,005 |
| Efficiency ratio | 56.4960% | 6,211 |
| Assets per employee ($millions) | 3.6260% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,914 |
| Loan loss allowance to noncurrent loans | 99.4656% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 4,270 |
| Noncurrent loans to loans | 1.3283% | 4,312 |
| Net loans and leases to total assets | 84.1549% | 212 |
| Net loans and leases to deposits | 92.7867% | 939 |
| Net loans and leases to core deposits | 105.7611% | 883 |
| Total domestic deposits to total assets | 90.6971% | 555 |
| Equity capital to assets | 8.8764% | 5,885 |
| Core capital (leverage) ratio | 9.0310% | 4,880 |
| Tier 1 risk-based capital ratio | 11.8614% | 5,994 |
| Total risk-based capital ratio | 13.1234% | 5,966 |
| Memoranda: | ||
| Average total assets | $142,639,500 | 3,952 |
| Average earning assets | $133,643,500 | 3,883 |
| Average equity | $12,520,000 | 4,448 |
| Average total loans | $123,956,250 | 3,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4675% | 1,370 |
| Cost of funding earning assets | 1.2098% | 2,508 |
| Net interest margin | 4.2578% | 1,809 |
| Noninterest income to average assets | 0.8561% | 1,784 |
| Noninterest expense to average assets | 2.8671% | 4,156 |
| Loan and lease loss provision to assets | 0.2531% | 3,378 |
| Net operating income to assets | 1.1121% | 1,835 |
| Return on assets (ROA) | 1.1121% | 1,923 |
| Pretax return on assets | 1.7151% | 1,024 |
| Return on Equity (ROE) | 12.7210% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.7210% | 419 |
| Net charge-offs to loans | 0.1512% | 4,281 |
| Credit loss provision to net charge-offs | 191.3978% | 1,577 |
| Earnings coverage of net charge-offs (x) | 14.8817% | 1,449 |
| Efficiency ratio | 59.2941% | 5,979 |
| Assets per employee ($millions) | 3.3713% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 4,744 |
| Loan loss allowance to noncurrent loans | 95.6843% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 4,466 |
| Noncurrent loans to loans | 1.4287% | 4,273 |
| Net loans and leases to total assets | 83.8629% | 252 |
| Net loans and leases to deposits | 92.2726% | 1,023 |
| Net loans and leases to core deposits | 105.1498% | 974 |
| Total domestic deposits to total assets | 90.8860% | 547 |
| Equity capital to assets | 8.7629% | 5,862 |
| Core capital (leverage) ratio | 9.0920% | 4,584 |
| Tier 1 risk-based capital ratio | 11.6291% | 6,075 |
| Total risk-based capital ratio | 12.8915% | 6,054 |
| Memoranda: | ||
| Average total assets | $140,631,330 | 4,016 |
| Average earning assets | $131,430,670 | 3,949 |
| Average equity | $12,294,670 | 4,478 |
| Average total loans | $123,014,000 | 3,170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 1,356 |
| Cost of funding earning assets | 1.2425% | 2,555 |
| Net interest margin | 4.2361% | 1,793 |
| Noninterest income to average assets | 0.7366% | 2,340 |
| Noninterest expense to average assets | 2.9350% | 3,919 |
| Loan and lease loss provision to assets | 0.2773% | 2,938 |
| Net operating income to assets | 0.9793% | 2,248 |
| Return on assets (ROA) | 0.9793% | 2,308 |
| Pretax return on assets | 1.4935% | 1,468 |
| Return on Equity (ROE) | 11.2154% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.2154% | 860 |
| Net charge-offs to loans | 0.0846% | 4,106 |
| Credit loss provision to net charge-offs | 369.2308% | 895 |
| Earnings coverage of net charge-offs (x) | 23.5769% | 1,013 |
| Efficiency ratio | 62.3696% | 5,620 |
| Assets per employee ($millions) | 3.1829% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,769 |
| Loan loss allowance to noncurrent loans | 83.0846% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 4,116 |
| Noncurrent loans to loans | 1.6599% | 3,989 |
| Net loans and leases to total assets | 85.2734% | 169 |
| Net loans and leases to deposits | 93.9192% | 834 |
| Net loans and leases to core deposits | 108.2535% | 832 |
| Total domestic deposits to total assets | 90.7945% | 718 |
| Equity capital to assets | 8.7543% | 5,566 |
| Core capital (leverage) ratio | 8.9188% | 4,740 |
| Tier 1 risk-based capital ratio | 11.2422% | 6,314 |
| Total risk-based capital ratio | 12.5040% | 6,282 |
| Memoranda: | ||
| Average total assets | $138,465,000 | 4,085 |
| Average earning assets | $129,740,500 | 4,032 |
| Average equity | $12,090,500 | 4,525 |
| Average total loans | $122,893,000 | 3,196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7741% | 1,345 |
| Cost of funding earning assets | 1.4707% | 2,819 |
| Net interest margin | 4.3034% | 1,812 |
| Noninterest income to average assets | 0.6023% | 3,462 |
| Noninterest expense to average assets | 2.6640% | 5,158 |
| Loan and lease loss provision to assets | 0.4718% | 3,306 |
| Net operating income to assets | 0.9683% | 2,138 |
| Return on assets (ROA) | 0.9683% | 2,259 |
| Pretax return on assets | 1.4760% | 1,436 |
| Return on Equity (ROE) | 11.5685% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.5685% | 316 |
| Net charge-offs to loans | 0.4107% | 3,986 |
| Credit loss provision to net charge-offs | 128.6299% | 3,105 |
| Earnings coverage of net charge-offs (x) | 5.3108% | 2,662 |
| Efficiency ratio | 57.7655% | 6,366 |
| Assets per employee ($millions) | 3.5098% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 5,088 |
| Loan loss allowance to noncurrent loans | 79.0123% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4794% | 4,100 |
| Noncurrent loans to loans | 1.6240% | 4,070 |
| Net loans and leases to total assets | 89.9258% | 59 |
| Net loans and leases to deposits | 98.9343% | 648 |
| Net loans and leases to core deposits | 117.2469% | 598 |
| Total domestic deposits to total assets | 90.8945% | 652 |
| Equity capital to assets | 8.7088% | 5,568 |
| Core capital (leverage) ratio | 8.6044% | 5,188 |
| Tier 1 risk-based capital ratio | 10.6925% | 6,572 |
| Total risk-based capital ratio | 11.9536% | 6,535 |
| Memoranda: | ||
| Average total assets | $133,331,000 | 4,195 |
| Average earning assets | $124,226,400 | 4,148 |
| Average equity | $11,159,600 | 4,826 |
| Average total loans | $119,054,000 | 3,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7755% | 1,471 |
| Cost of funding earning assets | 1.4974% | 2,996 |
| Net interest margin | 4.2781% | 1,919 |
| Noninterest income to average assets | 0.5174% | 4,046 |
| Noninterest expense to average assets | 2.6688% | 5,010 |
| Loan and lease loss provision to assets | 0.5215% | 2,848 |
| Net operating income to assets | 0.8255% | 2,892 |
| Return on assets (ROA) | 0.8255% | 3,040 |
| Pretax return on assets | 1.3077% | 2,148 |
| Return on Equity (ROE) | 9.9670% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.9670% | 804 |
| Net charge-offs to loans | 0.3831% | 3,762 |
| Credit loss provision to net charge-offs | 153.2544% | 2,520 |
| Earnings coverage of net charge-offs (x) | 5.3757% | 2,760 |
| Efficiency ratio | 59.3330% | 6,061 |
| Assets per employee ($millions) | 3.7027% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,700 |
| Loan loss allowance to noncurrent loans | 67.6568% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,791 |
| Noncurrent loans to loans | 1.9997% | 3,677 |
| Net loans and leases to total assets | 87.2831% | 130 |
| Net loans and leases to deposits | 95.7696% | 1,010 |
| Net loans and leases to core deposits | 112.1515% | 927 |
| Total domestic deposits to total assets | 91.1386% | 399 |
| Equity capital to assets | 8.3577% | 6,443 |
| Core capital (leverage) ratio | 8.4193% | 5,666 |
| Tier 1 risk-based capital ratio | 10.4136% | 6,824 |
| Total risk-based capital ratio | 11.6496% | 6,833 |
| Memoranda: | ||
| Average total assets | $132,442,750 | 4,266 |
| Average earning assets | $123,229,750 | 4,218 |
| Average equity | $10,969,250 | 4,932 |
| Average total loans | $117,644,000 | 3,410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7821% | 1,472 |
| Cost of funding earning assets | 1.5333% | 3,047 |
| Net interest margin | 4.2487% | 1,969 |
| Noninterest income to average assets | 0.4705% | 4,350 |
| Noninterest expense to average assets | 2.7161% | 4,843 |
| Loan and lease loss provision to assets | 0.5179% | 2,719 |
| Net operating income to assets | 0.7516% | 3,195 |
| Return on assets (ROA) | 0.7516% | 3,344 |
| Pretax return on assets | 1.1900% | 2,446 |
| Return on Equity (ROE) | 9.1035% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.1035% | 1,075 |
| Net charge-offs to loans | 0.4276% | 3,282 |
| Credit loss provision to net charge-offs | 136.1446% | 2,944 |
| Earnings coverage of net charge-offs (x) | 4.4900% | 2,938 |
| Efficiency ratio | 61.3950% | 5,793 |
| Assets per employee ($millions) | 3.5455% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 5,109 |
| Loan loss allowance to noncurrent loans | 122.7237% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 5,254 |
| Noncurrent loans to loans | 1.0306% | 5,244 |
| Net loans and leases to total assets | 89.8085% | 82 |
| Net loans and leases to deposits | 98.3652% | 838 |
| Net loans and leases to core deposits | 115.4934% | 863 |
| Total domestic deposits to total assets | 91.3011% | 386 |
| Equity capital to assets | 8.2558% | 6,474 |
| Core capital (leverage) ratio | 8.4060% | 5,572 |
| Tier 1 risk-based capital ratio | 9.8985% | 7,082 |
| Total risk-based capital ratio | 11.1587% | 7,053 |
| Memoranda: | ||
| Average total assets | $130,924,000 | 4,327 |
| Average earning assets | $121,825,000 | 4,275 |
| Average equity | $10,809,000 | 4,973 |
| Average total loans | $116,453,000 | 3,468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 1,600 |
| Cost of funding earning assets | 1.5663% | 3,161 |
| Net interest margin | 4.1923% | 2,071 |
| Noninterest income to average assets | 0.4898% | 4,126 |
| Noninterest expense to average assets | 2.7778% | 4,573 |
| Loan and lease loss provision to assets | 0.4216% | 2,847 |
| Net operating income to assets | 0.7503% | 3,209 |
| Return on assets (ROA) | 0.7503% | 3,312 |
| Pretax return on assets | 1.1905% | 2,392 |
| Return on Equity (ROE) | 9.0875% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.0875% | 1,375 |
| Net charge-offs to loans | 0.1623% | 3,952 |
| Credit loss provision to net charge-offs | 295.6522% | 1,343 |
| Earnings coverage of net charge-offs (x) | 11.3043% | 1,657 |
| Efficiency ratio | 63.2768% | 5,615 |
| Assets per employee ($millions) | 3.6118% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 4,686 |
| Loan loss allowance to noncurrent loans | 93.4298% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 4,622 |
| Noncurrent loans to loans | 1.4430% | 4,577 |
| Net loans and leases to total assets | 87.2276% | 155 |
| Net loans and leases to deposits | 95.6242% | 1,156 |
| Net loans and leases to core deposits | 109.9760% | 1,270 |
| Total domestic deposits to total assets | 91.2192% | 460 |
| Equity capital to assets | 8.2855% | 6,320 |
| Core capital (leverage) ratio | 8.4939% | 5,387 |
| Tier 1 risk-based capital ratio | 10.1424% | 6,936 |
| Total risk-based capital ratio | 11.4040% | 6,917 |
| Memoranda: | ||
| Average total assets | $129,021,000 | 4,437 |
| Average earning assets | $120,029,500 | 4,373 |
| Average equity | $10,652,000 | 5,060 |
| Average total loans | $113,405,000 | 3,609 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1801% | 1,293 |
| Cost of funding earning assets | 2.0499% | 2,727 |
| Net interest margin | 4.1302% | 2,315 |
| Noninterest income to average assets | 0.7422% | 2,729 |
| Noninterest expense to average assets | 2.9613% | 4,297 |
| Loan and lease loss provision to assets | 0.6598% | 3,174 |
| Net operating income to assets | 0.6011% | 3,328 |
| Return on assets (ROA) | 0.6011% | 3,401 |
| Pretax return on assets | 0.9446% | 2,779 |
| Return on Equity (ROE) | 7.4139% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.4139% | 839 |
| Net charge-offs to loans | 0.4434% | 4,021 |
| Credit loss provision to net charge-offs | 165.4584% | 2,635 |
| Earnings coverage of net charge-offs (x) | 4.0235% | 3,097 |
| Efficiency ratio | 64.8603% | 5,605 |
| Assets per employee ($millions) | 3.4600% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,724 |
| Loan loss allowance to noncurrent loans | 87.7404% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 4,486 |
| Noncurrent loans to loans | 1.4878% | 4,438 |
| Net loans and leases to total assets | 86.2247% | 267 |
| Net loans and leases to deposits | 94.4899% | 1,533 |
| Net loans and leases to core deposits | 110.0659% | 2,885 |
| Total domestic deposits to total assets | 91.2529% | 452 |
| Equity capital to assets | 8.2261% | 6,309 |
| Core capital (leverage) ratio | 8.1896% | 5,831 |
| Tier 1 risk-based capital ratio | 10.3234% | 6,563 |
| Total risk-based capital ratio | 11.5852% | 6,528 |
| Memoranda: | ||
| Average total assets | $117,616,200 | 4,642 |
| Average earning assets | $108,881,400 | 4,599 |
| Average equity | $9,536,200 | 5,437 |
| Average total loans | $105,768,800 | 3,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2659% | 1,206 |
| Cost of funding earning assets | 2.1246% | 2,775 |
| Net interest margin | 4.1413% | 2,242 |
| Noninterest income to average assets | 0.8091% | 2,383 |
| Noninterest expense to average assets | 3.0314% | 3,924 |
| Loan and lease loss provision to assets | 0.7373% | 2,533 |
| Net operating income to assets | 0.5553% | 3,766 |
| Return on assets (ROA) | 0.5553% | 3,856 |
| Pretax return on assets | 0.8706% | 3,316 |
| Return on Equity (ROE) | 6.8764% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.8764% | 1,560 |
| Net charge-offs to loans | 0.5679% | 2,981 |
| Credit loss provision to net charge-offs | 143.2432% | 3,416 |
| Earnings coverage of net charge-offs (x) | 3.1239% | 3,674 |
| Efficiency ratio | 65.3423% | 5,489 |
| Assets per employee ($millions) | 3.3127% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,893 |
| Loan loss allowance to noncurrent loans | 80.9266% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 4,379 |
| Noncurrent loans to loans | 1.5345% | 4,344 |
| Net loans and leases to total assets | 87.2659% | 253 |
| Net loans and leases to deposits | 95.7514% | 1,612 |
| Net loans and leases to core deposits | 114.5193% | 2,777 |
| Total domestic deposits to total assets | 91.1381% | 369 |
| Equity capital to assets | 8.1220% | 6,718 |
| Core capital (leverage) ratio | 8.2178% | 5,985 |
| Tier 1 risk-based capital ratio | 10.1420% | 6,838 |
| Total risk-based capital ratio | 11.3934% | 6,781 |
| Memoranda: | ||
| Average total assets | $115,015,500 | 4,718 |
| Average earning assets | $106,371,750 | 4,696 |
| Average equity | $9,287,500 | 5,563 |
| Average total loans | $104,250,000 | 3,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3527% | 1,091 |
| Cost of funding earning assets | 2.1876% | 2,851 |
| Net interest margin | 4.1651% | 2,111 |
| Noninterest income to average assets | 0.8676% | 2,105 |
| Noninterest expense to average assets | 3.1147% | 3,645 |
| Loan and lease loss provision to assets | 0.9582% | 1,767 |
| Net operating income to assets | 0.4089% | 4,479 |
| Return on assets (ROA) | 0.4089% | 4,585 |
| Pretax return on assets | 0.6365% | 4,214 |
| Return on Equity (ROE) | 5.0745% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.0745% | 2,467 |
| Net charge-offs to loans | 0.7230% | 2,249 |
| Credit loss provision to net charge-offs | 144.8925% | 3,196 |
| Earnings coverage of net charge-offs (x) | 2.4113% | 3,858 |
| Efficiency ratio | 66.1382% | 5,528 |
| Assets per employee ($millions) | 3.2001% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,903 |
| Loan loss allowance to noncurrent loans | 84.6154% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 4,312 |
| Noncurrent loans to loans | 1.4230% | 4,365 |
| Net loans and leases to total assets | 91.4757% | 73 |
| Net loans and leases to deposits | 100.2870% | 1,259 |
| Net loans and leases to core deposits | 116.5413% | 2,660 |
| Total domestic deposits to total assets | 91.2139% | 402 |
| Equity capital to assets | 8.0699% | 6,665 |
| Core capital (leverage) ratio | 8.2961% | 5,805 |
| Tier 1 risk-based capital ratio | 9.7220% | 7,214 |
| Total risk-based capital ratio | 10.9828% | 7,143 |
| Memoranda: | ||
| Average total assets | $112,497,670 | 4,815 |
| Average earning assets | $103,767,330 | 4,796 |
| Average equity | $9,065,000 | 5,661 |
| Average total loans | $102,898,000 | 3,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3689% | 1,130 |
| Cost of funding earning assets | 2.2223% | 3,049 |
| Net interest margin | 4.1465% | 2,103 |
| Noninterest income to average assets | 0.7339% | 2,689 |
| Noninterest expense to average assets | 3.0271% | 3,650 |
| Loan and lease loss provision to assets | 1.3145% | 979 |
| Net operating income to assets | 0.1424% | 5,850 |
| Return on assets (ROA) | 0.1424% | 6,018 |
| Pretax return on assets | 0.2008% | 5,933 |
| Return on Equity (ROE) | 1.7687% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.7687% | 4,868 |
| Net charge-offs to loans | 1.2579% | 1,118 |
| Credit loss provision to net charge-offs | 115.0160% | 3,388 |
| Earnings coverage of net charge-offs (x) | 1.3259% | 4,078 |
| Efficiency ratio | 66.6399% | 5,208 |
| Assets per employee ($millions) | 3.0929% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,940 |
| Loan loss allowance to noncurrent loans | 188.6792% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 5,756 |
| Noncurrent loans to loans | 0.6246% | 5,839 |
| Net loans and leases to total assets | 90.3733% | 124 |
| Net loans and leases to deposits | 98.9663% | 1,537 |
| Net loans and leases to core deposits | 112.2230% | 3,202 |
| Total domestic deposits to total assets | 91.3172% | 319 |
| Equity capital to assets | 8.0497% | 6,741 |
| Core capital (leverage) ratio | 8.1096% | 6,270 |
| Tier 1 risk-based capital ratio | 9.6602% | 7,284 |
| Total risk-based capital ratio | 10.9214% | 7,200 |
| Memoranda: | ||
| Average total assets | $109,545,000 | 4,919 |
| Average earning assets | $100,614,500 | 4,897 |
| Average equity | $8,820,000 | 5,770 |
| Average total loans | $99,532,000 | 4,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2057% | 734 |
| Cost of funding earning assets | 3.1400% | 1,384 |
| Net interest margin | 4.0657% | 2,847 |
| Noninterest income to average assets | 0.7271% | 2,930 |
| Noninterest expense to average assets | 3.2540% | 3,139 |
| Loan and lease loss provision to assets | 0.5574% | 2,587 |
| Net operating income to assets | 0.3927% | 5,180 |
| Return on assets (ROA) | 0.3927% | 4,995 |
| Pretax return on assets | 0.5815% | 4,753 |
| Return on Equity (ROE) | 5.1027% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.1027% | 1,962 |
| Net charge-offs to loans | 0.2361% | 3,888 |
| Credit loss provision to net charge-offs | 266.8269% | 1,732 |
| Earnings coverage of net charge-offs (x) | 5.4519% | 3,644 |
| Efficiency ratio | 74.0741% | 3,559 |
| Assets per employee ($millions) | 3.0784% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 4,655 |
| Loan loss allowance to noncurrent loans | 192.4875% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 5,513 |
| Noncurrent loans to loans | 0.6160% | 5,518 |
| Net loans and leases to total assets | 89.1781% | 265 |
| Net loans and leases to deposits | 100.9466% | 1,716 |
| Net loans and leases to core deposits | 115.7555% | 3,150 |
| Total domestic deposits to total assets | 88.3418% | 1,315 |
| Equity capital to assets | 8.0533% | 6,774 |
| Core capital (leverage) ratio | 8.1459% | 6,259 |
| Tier 1 risk-based capital ratio | 9.6365% | 7,164 |
| Total risk-based capital ratio | 10.9174% | 7,018 |
| Memoranda: | ||
| Average total assets | $99,570,800 | 5,063 |
| Average earning assets | $89,776,000 | 5,090 |
| Average equity | $7,662,600 | 6,226 |
| Average total loans | $88,083,200 | 4,287 |