Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 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 | 2.8181% | 4,179 |
| Cost of funding earning assets | 0.0514% | 4,682 |
| Net interest margin | 2.7666% | 3,738 |
| Noninterest income to average assets | 0.7377% | 1,628 |
| Noninterest expense to average assets | 1.9229% | 3,872 |
| Loan and lease loss provision to assets | 0.1564% | 763 |
| Net operating income to assets | 1.1394% | 2,145 |
| Return on assets (ROA) | 1.1525% | 2,156 |
| Pretax return on assets | 1.1525% | 2,811 |
| Return on Equity (ROE) | 11.2402% | 2,083 |
| Retained earnings to average equity (ytd only) | -3.0249% | 4,657 |
| Net charge-offs to loans | 0.0118% | 2,121 |
| Credit loss provision to net charge-offs | 2,452.9412% | 270 |
| Earnings coverage of net charge-offs (x) | 203.2353% | 539 |
| Efficiency ratio | 59.1587% | 3,275 |
| Assets per employee ($millions) | 6.0596% | 2,706 |
| Cash dividends to net income (ytd only)* | 126.9118% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2862% | 4,736 |
| Loan loss allowance to noncurrent loans | 18.8413% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 853 |
| Noncurrent loans to loans | 1.5188% | 593 |
| Net loans and leases to total assets | 47.9184% | 3,503 |
| Net loans and leases to deposits | 53.5577% | 3,627 |
| Net loans and leases to core deposits | 54.7965% | 3,702 |
| Total domestic deposits to total assets | 89.4706% | 1,254 |
| Equity capital to assets | 9.5358% | 3,114 |
| Core capital (leverage) ratio | 9.8134% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0483% | 1,256 |
| Memoranda: | ||
| Average total assets | $266,634,400 | 2,626 |
| Average earning assets | $239,099,200 | 2,683 |
| Average equity | $27,339,400 | 2,695 |
| Average total loans | $143,589,000 | 2,694 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3852% | 4,638 |
| Cost of funding earning assets | 0.1138% | 4,394 |
| Net interest margin | 2.2715% | 4,510 |
| Noninterest income to average assets | 0.4605% | 2,795 |
| Noninterest expense to average assets | 1.7059% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8079% | 3,510 |
| Return on assets (ROA) | 0.8079% | 3,579 |
| Pretax return on assets | 0.8079% | 3,878 |
| Return on Equity (ROE) | 7.7286% | 3,474 |
| Retained earnings to average equity (ytd only) | -10.2346% | 4,848 |
| Net charge-offs to loans | -0.0148% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8608% | 1,855 |
| Assets per employee ($millions) | 6.7159% | 2,081 |
| Cash dividends to net income (ytd only)* | 232.4256% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0118% | 4,864 |
| Loan loss allowance to noncurrent loans | 0.5084% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 484 |
| Noncurrent loans to loans | 2.3215% | 348 |
| Net loans and leases to total assets | 52.3061% | 3,173 |
| Net loans and leases to deposits | 58.6089% | 3,351 |
| Net loans and leases to core deposits | 60.0444% | 3,465 |
| Total domestic deposits to total assets | 89.2461% | 1,152 |
| Equity capital to assets | 9.5707% | 3,316 |
| Core capital (leverage) ratio | 9.8130% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7965% | 1,687 |
| Memoranda: | ||
| Average total assets | $260,577,250 | 2,691 |
| Average earning assets | $235,554,500 | 2,731 |
| Average equity | $27,240,250 | 2,727 |
| Average total loans | $144,542,000 | 2,720 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 1,496 |
| Cost of funding earning assets | 0.1992% | 3,756 |
| Net interest margin | 3.8315% | 1,091 |
| Noninterest income to average assets | 0.6530% | 1,996 |
| Noninterest expense to average assets | 2.7733% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3420% | 1,735 |
| Return on assets (ROA) | 1.3420% | 1,814 |
| Pretax return on assets | 1.3428% | 2,508 |
| Return on Equity (ROE) | 12.4735% | 1,885 |
| Retained earnings to average equity (ytd only) | -12.3643% | 4,887 |
| Net charge-offs to loans | -0.0179% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3768% | 1,952 |
| Assets per employee ($millions) | 5.9345% | 2,682 |
| Cash dividends to net income (ytd only)* | 199.1249% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,637 |
| Loan loss allowance to noncurrent loans | 62.0942% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.3094% | 491 |
| Noncurrent loans to loans | 2.3940% | 356 |
| Net loans and leases to total assets | 53.8808% | 3,145 |
| Net loans and leases to deposits | 60.4884% | 3,350 |
| Net loans and leases to core deposits | 61.8230% | 3,478 |
| Total domestic deposits to total assets | 89.0762% | 1,241 |
| Equity capital to assets | 9.8235% | 3,034 |
| Core capital (leverage) ratio | 9.1579% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9898% | 1,637 |
| Memoranda: | ||
| Average total assets | $255,434,667 | 2,708 |
| Average earning assets | $230,878,000 | 2,757 |
| Average equity | $27,482,333 | 2,703 |
| Average total loans | $145,270,667 | 2,732 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 1,118 |
| Cost of funding earning assets | 0.2186% | 3,735 |
| Net interest margin | 4.0310% | 808 |
| Noninterest income to average assets | 0.6556% | 2,006 |
| Noninterest expense to average assets | 2.8394% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4648% | 1,407 |
| Return on assets (ROA) | 1.4648% | 1,469 |
| Pretax return on assets | 1.4664% | 2,082 |
| Return on Equity (ROE) | 13.0291% | 1,664 |
| Retained earnings to average equity (ytd only) | 13.0291% | 908 |
| Net charge-offs to loans | 0.0137% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 185.2000% | 426 |
| Efficiency ratio | 65.9434% | 2,241 |
| Assets per employee ($millions) | 6.0599% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,753 |
| Loan loss allowance to noncurrent loans | 54.7631% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 421 |
| Noncurrent loans to loans | 2.6567% | 335 |
| Net loans and leases to total assets | 55.9931% | 3,039 |
| Net loans and leases to deposits | 63.8661% | 3,137 |
| Net loans and leases to core deposits | 65.1421% | 3,307 |
| Total domestic deposits to total assets | 87.6727% | 2,008 |
| Equity capital to assets | 11.2264% | 1,701 |
| Core capital (leverage) ratio | 10.8216% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0529% | 1,064 |
| Memoranda: | ||
| Average total assets | $252,592,500 | 2,714 |
| Average earning assets | $228,725,500 | 2,758 |
| Average equity | $28,398,000 | 2,641 |
| Average total loans | $146,498,000 | 2,734 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 1,538 |
| Cost of funding earning assets | 0.4692% | 3,156 |
| Net interest margin | 3.9467% | 1,098 |
| Noninterest income to average assets | 0.6772% | 1,931 |
| Noninterest expense to average assets | 2.7778% | 2,004 |
| Loan and lease loss provision to assets | 0.1168% | 2,895 |
| Net operating income to assets | 1.3209% | 1,198 |
| Return on assets (ROA) | 1.3704% | 1,177 |
| Pretax return on assets | 1.3934% | 1,678 |
| Return on Equity (ROE) | 12.0558% | 1,306 |
| Retained earnings to average equity (ytd only) | 6.7338% | 1,494 |
| Net charge-offs to loans | 0.0304% | 2,422 |
| Credit loss provision to net charge-offs | 639.5349% | 1,062 |
| Earnings coverage of net charge-offs (x) | 79.9535% | 898 |
| Efficiency ratio | 65.5546% | 2,599 |
| Assets per employee ($millions) | 6.2667% | 2,107 |
| Cash dividends to net income (ytd only)* | 44.1450% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,886 |
| Loan loss allowance to noncurrent loans | 127.4320% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 1,587 |
| Noncurrent loans to loans | 1.1154% | 1,273 |
| Net loans and leases to total assets | 58.3525% | 3,048 |
| Net loans and leases to deposits | 66.6222% | 3,215 |
| Net loans and leases to core deposits | 68.1167% | 3,408 |
| Total domestic deposits to total assets | 87.5872% | 1,666 |
| Equity capital to assets | 11.2591% | 2,051 |
| Core capital (leverage) ratio | 10.4898% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5307% | 1,145 |
| Memoranda: | ||
| Average total assets | $235,544,600 | 2,683 |
| Average earning assets | $212,483,800 | 2,733 |
| Average equity | $26,775,400 | 2,691 |
| Average total loans | $141,321,600 | 2,742 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,275 |
| Cost of funding earning assets | 0.5274% | 3,062 |
| Net interest margin | 4.0821% | 927 |
| Noninterest income to average assets | 0.7185% | 1,741 |
| Noninterest expense to average assets | 2.8183% | 1,926 |
| Loan and lease loss provision to assets | 0.1584% | 2,424 |
| Net operating income to assets | 1.3901% | 1,123 |
| Return on assets (ROA) | 1.4572% | 1,068 |
| Pretax return on assets | 1.4883% | 1,470 |
| Return on Equity (ROE) | 12.7861% | 1,173 |
| Retained earnings to average equity (ytd only) | 6.2239% | 2,007 |
| Net charge-offs to loans | -0.0611% | 4,725 |
| Credit loss provision to net charge-offs | -429.6875% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1063% | 2,714 |
| Assets per employee ($millions) | 6.2947% | 2,006 |
| Cash dividends to net income (ytd only)* | 51.3225% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 1,420 |
| Loan loss allowance to noncurrent loans | 131.0467% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 1,717 |
| Noncurrent loans to loans | 1.1362% | 1,338 |
| Net loans and leases to total assets | 58.2266% | 3,393 |
| Net loans and leases to deposits | 69.5558% | 3,347 |
| Net loans and leases to core deposits | 71.4219% | 3,527 |
| Total domestic deposits to total assets | 83.7120% | 2,918 |
| Equity capital to assets | 11.0542% | 2,356 |
| Core capital (leverage) ratio | 10.4548% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4535% | 1,144 |
| Memoranda: | ||
| Average total assets | $231,763,750 | 2,691 |
| Average earning assets | $208,811,000 | 2,740 |
| Average equity | $26,413,500 | 2,699 |
| Average total loans | $139,557,000 | 2,762 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 1,756 |
| Cost of funding earning assets | 0.6089% | 2,924 |
| Net interest margin | 3.9517% | 1,442 |
| Noninterest income to average assets | 0.7668% | 1,535 |
| Noninterest expense to average assets | 2.9046% | 1,816 |
| Loan and lease loss provision to assets | 0.1555% | 2,443 |
| Net operating income to assets | 1.2153% | 1,602 |
| Return on assets (ROA) | 1.3168% | 1,418 |
| Pretax return on assets | 1.3648% | 1,819 |
| Return on Equity (ROE) | 11.4262% | 1,503 |
| Retained earnings to average equity (ytd only) | 2.6368% | 3,536 |
| Net charge-offs to loans | -0.0835% | 4,811 |
| Credit loss provision to net charge-offs | -307.0175% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2495% | 2,343 |
| Assets per employee ($millions) | 5.6299% | 2,513 |
| Cash dividends to net income (ytd only)* | 76.9231% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,517 |
| Loan loss allowance to noncurrent loans | 373.9362% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 3,393 |
| Noncurrent loans to loans | 0.3798% | 3,053 |
| Net loans and leases to total assets | 60.4763% | 3,270 |
| Net loans and leases to deposits | 72.3866% | 3,220 |
| Net loans and leases to core deposits | 74.3190% | 3,435 |
| Total domestic deposits to total assets | 83.5463% | 2,903 |
| Equity capital to assets | 11.0548% | 2,292 |
| Core capital (leverage) ratio | 9.7746% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5559% | 1,614 |
| Memoranda: | ||
| Average total assets | $225,089,333 | 2,720 |
| Average earning assets | $202,341,000 | 2,761 |
| Average equity | $25,940,333 | 2,721 |
| Average total loans | $136,468,333 | 2,789 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 2,142 |
| Cost of funding earning assets | 0.8191% | 2,283 |
| Net interest margin | 3.7344% | 2,203 |
| Noninterest income to average assets | 0.9493% | 957 |
| Noninterest expense to average assets | 2.9567% | 1,994 |
| Loan and lease loss provision to assets | 0.0462% | 3,199 |
| Net operating income to assets | 1.2047% | 1,500 |
| Return on assets (ROA) | 1.4091% | 1,038 |
| Pretax return on assets | 1.5088% | 1,283 |
| Return on Equity (ROE) | 11.9548% | 1,117 |
| Retained earnings to average equity (ytd only) | 1.9272% | 3,473 |
| Net charge-offs to loans | -0.1503% | 4,898 |
| Credit loss provision to net charge-offs | -51.0204% | 3,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8898% | 2,521 |
| Assets per employee ($millions) | 5.0586% | 2,586 |
| Cash dividends to net income (ytd only)* | 83.8794% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,472 |
| Loan loss allowance to noncurrent loans | 299.6928% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,257 |
| Noncurrent loans to loans | 0.4884% | 2,800 |
| Net loans and leases to total assets | 60.3839% | 3,457 |
| Net loans and leases to deposits | 69.4667% | 3,633 |
| Net loans and leases to core deposits | 71.5109% | 3,782 |
| Total domestic deposits to total assets | 86.9249% | 1,589 |
| Equity capital to assets | 11.6895% | 2,295 |
| Core capital (leverage) ratio | 10.7172% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8454% | 1,385 |
| Memoranda: | ||
| Average total assets | $216,591,500 | 2,733 |
| Average earning assets | $193,871,000 | 2,792 |
| Average equity | $25,529,500 | 2,742 |
| Average total loans | $130,446,000 | 2,827 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 2,554 |
| Cost of funding earning assets | 0.5650% | 3,801 |
| Net interest margin | 4.0517% | 1,681 |
| Noninterest income to average assets | 1.0478% | 863 |
| Noninterest expense to average assets | 3.2646% | 1,376 |
| Loan and lease loss provision to assets | 0.0142% | 3,731 |
| Net operating income to assets | 1.3783% | 1,424 |
| Return on assets (ROA) | 1.3824% | 1,482 |
| Pretax return on assets | 1.4080% | 2,130 |
| Return on Equity (ROE) | 12.0535% | 1,492 |
| Retained earnings to average equity (ytd only) | 5.9257% | 1,905 |
| Net charge-offs to loans | -0.0316% | 4,723 |
| Credit loss provision to net charge-offs | -76.9231% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7190% | 2,216 |
| Assets per employee ($millions) | 5.1348% | 2,412 |
| Cash dividends to net income (ytd only)* | 50.8388% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,300 |
| Loan loss allowance to noncurrent loans | 291.4596% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 3,243 |
| Noncurrent loans to loans | 0.5047% | 2,678 |
| Net loans and leases to total assets | 58.2933% | 3,746 |
| Net loans and leases to deposits | 67.6189% | 3,849 |
| Net loans and leases to core deposits | 69.5649% | 3,986 |
| Total domestic deposits to total assets | 86.2086% | 1,980 |
| Equity capital to assets | 11.8852% | 2,211 |
| Core capital (leverage) ratio | 10.6838% | 2,773 |
| Tier 1 risk-based capital ratio | 15.9139% | 2,434 |
| Total risk-based capital ratio | 17.1641% | 2,381 |
| Memoranda: | ||
| Average total assets | $211,294,000 | 2,743 |
| Average earning assets | $189,548,000 | 2,805 |
| Average equity | $24,233,600 | 2,773 |
| Average total loans | $123,358,200 | 2,906 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 2,801 |
| Cost of funding earning assets | 0.5630% | 3,852 |
| Net interest margin | 4.0143% | 1,892 |
| Noninterest income to average assets | 1.0599% | 817 |
| Noninterest expense to average assets | 3.3117% | 1,243 |
| Loan and lease loss provision to assets | 0.0190% | 3,529 |
| Net operating income to assets | 1.2954% | 1,878 |
| Return on assets (ROA) | 1.3009% | 1,936 |
| Pretax return on assets | 1.3352% | 2,548 |
| Return on Equity (ROE) | 11.4495% | 1,822 |
| Retained earnings to average equity (ytd only) | 4.0528% | 3,370 |
| Net charge-offs to loans | -0.0131% | 4,462 |
| Credit loss provision to net charge-offs | -250.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0630% | 1,960 |
| Assets per employee ($millions) | 5.0606% | 2,486 |
| Cash dividends to net income (ytd only)* | 64.6025% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,258 |
| Loan loss allowance to noncurrent loans | 327.8369% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 3,492 |
| Noncurrent loans to loans | 0.4563% | 2,935 |
| Net loans and leases to total assets | 57.2857% | 3,944 |
| Net loans and leases to deposits | 66.4399% | 4,034 |
| Net loans and leases to core deposits | 68.4720% | 4,141 |
| Total domestic deposits to total assets | 86.2219% | 1,896 |
| Equity capital to assets | 11.7447% | 2,467 |
| Core capital (leverage) ratio | 10.4752% | 3,124 |
| Tier 1 risk-based capital ratio | 15.7151% | 2,549 |
| Total risk-based capital ratio | 16.9659% | 2,487 |
| Memoranda: | ||
| Average total assets | $210,201,750 | 2,776 |
| Average earning assets | $188,520,500 | 2,833 |
| Average equity | $23,884,000 | 2,815 |
| Average total loans | $122,299,250 | 2,950 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 2,985 |
| Cost of funding earning assets | 0.5471% | 3,892 |
| Net interest margin | 3.9623% | 2,049 |
| Noninterest income to average assets | 1.0582% | 770 |
| Noninterest expense to average assets | 3.3894% | 1,124 |
| Loan and lease loss provision to assets | 0.0287% | 3,250 |
| Net operating income to assets | 1.1508% | 2,327 |
| Return on assets (ROA) | 1.1508% | 2,402 |
| Pretax return on assets | 1.2024% | 2,894 |
| Return on Equity (ROE) | 10.2447% | 2,273 |
| Retained earnings to average equity (ytd only) | 0.3401% | 4,606 |
| Net charge-offs to loans | -0.0345% | 4,725 |
| Credit loss provision to net charge-offs | -142.8571% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3568% | 1,727 |
| Assets per employee ($millions) | 5.0448% | 2,422 |
| Cash dividends to net income (ytd only)* | 96.6805% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,319 |
| Loan loss allowance to noncurrent loans | 678.4672% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 4,119 |
| Noncurrent loans to loans | 0.2189% | 3,756 |
| Net loans and leases to total assets | 56.8445% | 4,022 |
| Net loans and leases to deposits | 65.4281% | 4,134 |
| Net loans and leases to core deposits | 67.6563% | 4,224 |
| Total domestic deposits to total assets | 86.8808% | 1,648 |
| Equity capital to assets | 11.1480% | 2,909 |
| Core capital (leverage) ratio | 10.1847% | 3,400 |
| Tier 1 risk-based capital ratio | 15.2001% | 2,753 |
| Total risk-based capital ratio | 16.4505% | 2,683 |
| Memoranda: | ||
| Average total assets | $209,420,000 | 2,791 |
| Average earning assets | $188,275,670 | 2,840 |
| Average equity | $23,524,330 | 2,841 |
| Average total loans | $121,863,000 | 2,962 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 2,988 |
| Cost of funding earning assets | 0.5356% | 3,892 |
| Net interest margin | 3.9293% | 2,096 |
| Noninterest income to average assets | 1.0677% | 700 |
| Noninterest expense to average assets | 3.2227% | 1,444 |
| Loan and lease loss provision to assets | 0.0583% | 2,484 |
| Net operating income to assets | 1.2058% | 2,031 |
| Return on assets (ROA) | 1.2058% | 2,083 |
| Pretax return on assets | 1.3109% | 2,414 |
| Return on Equity (ROE) | 10.6920% | 2,085 |
| Retained earnings to average equity (ytd only) | -3.8801% | 4,859 |
| Net charge-offs to loans | -0.0366% | 4,721 |
| Credit loss provision to net charge-offs | -272.7273% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1821% | 2,309 |
| Assets per employee ($millions) | 4.6762% | 2,949 |
| Cash dividends to net income (ytd only)* | 136.2903% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,329 |
| Loan loss allowance to noncurrent loans | 1,829.7030% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,590 |
| Noncurrent loans to loans | 0.0822% | 4,390 |
| Net loans and leases to total assets | 57.5118% | 3,941 |
| Net loans and leases to deposits | 66.1456% | 4,040 |
| Net loans and leases to core deposits | 68.1699% | 4,170 |
| Total domestic deposits to total assets | 86.9472% | 1,841 |
| Equity capital to assets | 11.0493% | 2,800 |
| Core capital (leverage) ratio | 10.4810% | 3,070 |
| Tier 1 risk-based capital ratio | 15.0835% | 2,851 |
| Total risk-based capital ratio | 16.3343% | 2,764 |
| Memoranda: | ||
| Average total assets | $205,666,500 | 2,845 |
| Average earning assets | $184,459,000 | 2,908 |
| Average equity | $23,195,000 | 2,868 |
| Average total loans | $120,209,500 | 3,017 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 2,707 |
| Cost of funding earning assets | 0.4361% | 3,767 |
| Net interest margin | 3.9816% | 2,053 |
| Noninterest income to average assets | 1.1751% | 673 |
| Noninterest expense to average assets | 3.3011% | 1,316 |
| Loan and lease loss provision to assets | 0.1736% | 1,146 |
| Net operating income to assets | 1.2326% | 2,035 |
| Return on assets (ROA) | 1.2326% | 2,028 |
| Pretax return on assets | 1.2649% | 2,633 |
| Return on Equity (ROE) | 11.0062% | 2,080 |
| Retained earnings to average equity (ytd only) | 5.1333% | 2,698 |
| Net charge-offs to loans | 0.2623% | 737 |
| Credit loss provision to net charge-offs | 113.2686% | 2,286 |
| Earnings coverage of net charge-offs (x) | 9.3851% | 2,813 |
| Efficiency ratio | 69.5971% | 2,267 |
| Assets per employee ($millions) | 4.4645% | 3,222 |
| Cash dividends to net income (ytd only)* | 53.3602% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 1,180 |
| Loan loss allowance to noncurrent loans | 1,807.0000% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 4,600 |
| Noncurrent loans to loans | 0.0851% | 4,366 |
| Net loans and leases to total assets | 57.6109% | 4,002 |
| Net loans and leases to deposits | 66.7174% | 4,061 |
| Net loans and leases to core deposits | 68.7320% | 4,195 |
| Total domestic deposits to total assets | 86.3506% | 2,069 |
| Equity capital to assets | 11.5175% | 2,244 |
| Core capital (leverage) ratio | 10.5560% | 2,961 |
| Tier 1 risk-based capital ratio | 16.0071% | 2,399 |
| Total risk-based capital ratio | 17.2584% | 2,343 |
| Memoranda: | ||
| Average total assets | $201,601,400 | 2,849 |
| Average earning assets | $180,481,000 | 2,916 |
| Average equity | $22,578,200 | 2,856 |
| Average total loans | $117,817,600 | 3,021 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,769 |
| Cost of funding earning assets | 0.4080% | 3,804 |
| Net interest margin | 3.9489% | 2,134 |
| Noninterest income to average assets | 1.1636% | 695 |
| Noninterest expense to average assets | 3.2544% | 1,399 |
| Loan and lease loss provision to assets | 0.1982% | 884 |
| Net operating income to assets | 1.1980% | 2,249 |
| Return on assets (ROA) | 1.1980% | 2,252 |
| Pretax return on assets | 1.2409% | 2,842 |
| Return on Equity (ROE) | 10.7731% | 2,279 |
| Retained earnings to average equity (ytd only) | 4.0823% | 3,732 |
| Net charge-offs to loans | 0.2986% | 554 |
| Credit loss provision to net charge-offs | 113.6364% | 2,067 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,732 |
| Efficiency ratio | 69.2665% | 2,312 |
| Assets per employee ($millions) | 4.6373% | 2,936 |
| Cash dividends to net income (ytd only)* | 62.1073% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,350 |
| Loan loss allowance to noncurrent loans | 1,106.1350% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,567 |
| Noncurrent loans to loans | 0.1355% | 4,275 |
| Net loans and leases to total assets | 58.0844% | 4,031 |
| Net loans and leases to deposits | 67.0430% | 4,121 |
| Net loans and leases to core deposits | 69.1350% | 4,241 |
| Total domestic deposits to total assets | 86.6375% | 1,902 |
| Equity capital to assets | 11.1487% | 2,518 |
| Core capital (leverage) ratio | 10.4614% | 3,122 |
| Tier 1 risk-based capital ratio | 15.1711% | 2,805 |
| Total risk-based capital ratio | 16.4215% | 2,726 |
| Memoranda: | ||
| Average total assets | $201,776,000 | 2,868 |
| Average earning assets | $180,368,000 | 2,941 |
| Average equity | $22,438,000 | 2,881 |
| Average total loans | $117,884,750 | 3,044 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,041 |
| Cost of funding earning assets | 0.3899% | 3,810 |
| Net interest margin | 3.8332% | 2,439 |
| Noninterest income to average assets | 1.1969% | 669 |
| Noninterest expense to average assets | 3.3280% | 1,254 |
| Loan and lease loss provision to assets | 0.1492% | 1,271 |
| Net operating income to assets | 1.0785% | 2,667 |
| Return on assets (ROA) | 1.0785% | 2,674 |
| Pretax return on assets | 1.1432% | 3,158 |
| Return on Equity (ROE) | 9.7069% | 2,707 |
| Retained earnings to average equity (ytd only) | 1.9521% | 4,473 |
| Net charge-offs to loans | 0.2955% | 541 |
| Credit loss provision to net charge-offs | 86.7052% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.5087% | 2,539 |
| Efficiency ratio | 71.9208% | 2,020 |
| Assets per employee ($millions) | 4.4996% | 3,130 |
| Cash dividends to net income (ytd only)* | 79.8893% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,627 |
| Loan loss allowance to noncurrent loans | 163.4489% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,609 |
| Noncurrent loans to loans | 0.8768% | 1,978 |
| Net loans and leases to total assets | 60.5847% | 3,753 |
| Net loans and leases to deposits | 70.0909% | 3,847 |
| Net loans and leases to core deposits | 72.2552% | 3,989 |
| Total domestic deposits to total assets | 86.4373% | 2,080 |
| Equity capital to assets | 11.2994% | 2,366 |
| Core capital (leverage) ratio | 10.2362% | 3,308 |
| Tier 1 risk-based capital ratio | 14.7049% | 3,017 |
| Total risk-based capital ratio | 15.9551% | 2,947 |
| Memoranda: | ||
| Average total assets | $201,021,000 | 2,890 |
| Average earning assets | $179,536,330 | 2,971 |
| Average equity | $22,334,670 | 2,897 |
| Average total loans | $117,073,330 | 3,071 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,190 |
| Cost of funding earning assets | 0.3599% | 3,913 |
| Net interest margin | 3.7538% | 2,599 |
| Noninterest income to average assets | 1.3311% | 530 |
| Noninterest expense to average assets | 3.2586% | 1,433 |
| Loan and lease loss provision to assets | 0.0592% | 2,583 |
| Net operating income to assets | 1.2422% | 1,838 |
| Return on assets (ROA) | 1.2422% | 1,849 |
| Pretax return on assets | 1.3706% | 2,102 |
| Return on Equity (ROE) | 11.2742% | 1,862 |
| Retained earnings to average equity (ytd only) | 1.7565% | 4,429 |
| Net charge-offs to loans | 0.0209% | 2,079 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 523 |
| Efficiency ratio | 69.2923% | 2,617 |
| Assets per employee ($millions) | 4.5216% | 3,117 |
| Cash dividends to net income (ytd only)* | 84.4197% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 1,167 |
| Loan loss allowance to noncurrent loans | 132.3964% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 2,333 |
| Noncurrent loans to loans | 1.2054% | 1,507 |
| Net loans and leases to total assets | 54.2458% | 4,262 |
| Net loans and leases to deposits | 62.1914% | 4,324 |
| Net loans and leases to core deposits | 63.9246% | 4,427 |
| Total domestic deposits to total assets | 87.2239% | 2,031 |
| Equity capital to assets | 10.9916% | 2,589 |
| Core capital (leverage) ratio | 10.0100% | 3,525 |
| Tier 1 risk-based capital ratio | 15.8818% | 2,527 |
| Total risk-based capital ratio | 17.1337% | 2,462 |
| Memoranda: | ||
| Average total assets | $202,539,500 | 2,912 |
| Average earning assets | $181,147,500 | 2,980 |
| Average equity | $22,316,500 | 2,928 |
| Average total loans | $114,764,000 | 3,124 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 2,838 |
| Cost of funding earning assets | 0.3067% | 4,069 |
| Net interest margin | 3.8538% | 2,239 |
| Noninterest income to average assets | 0.9553% | 1,123 |
| Noninterest expense to average assets | 3.2109% | 1,584 |
| Loan and lease loss provision to assets | 0.0477% | 3,272 |
| Net operating income to assets | 1.1959% | 1,534 |
| Return on assets (ROA) | 1.1959% | 1,561 |
| Pretax return on assets | 1.1110% | 3,138 |
| Return on Equity (ROE) | 10.8489% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.4474% | 1,304 |
| Net charge-offs to loans | 0.2098% | 1,242 |
| Credit loss provision to net charge-offs | 38.6179% | 3,449 |
| Earnings coverage of net charge-offs (x) | 9.3780% | 2,795 |
| Efficiency ratio | 73.1264% | 2,042 |
| Assets per employee ($millions) | 4.4801% | 3,215 |
| Cash dividends to net income (ytd only)* | 40.5712% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,391 |
| Loan loss allowance to noncurrent loans | 368.1250% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 3,948 |
| Noncurrent loans to loans | 0.4090% | 3,302 |
| Net loans and leases to total assets | 57.3374% | 4,075 |
| Net loans and leases to deposits | 65.8440% | 4,200 |
| Net loans and leases to core deposits | 67.7873% | 4,310 |
| Total domestic deposits to total assets | 87.0807% | 1,955 |
| Equity capital to assets | 11.0454% | 2,586 |
| Core capital (leverage) ratio | 10.0472% | 3,396 |
| Tier 1 risk-based capital ratio | 15.8536% | 2,493 |
| Total risk-based capital ratio | 17.1055% | 2,433 |
| Memoranda: | ||
| Average total assets | $199,100,600 | 2,929 |
| Average earning assets | $176,398,600 | 2,997 |
| Average equity | $21,947,000 | 2,958 |
| Average total loans | $117,277,600 | 3,096 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 2,698 |
| Cost of funding earning assets | 0.3090% | 4,040 |
| Net interest margin | 3.8679% | 2,156 |
| Noninterest income to average assets | 0.9331% | 1,183 |
| Noninterest expense to average assets | 3.1573% | 1,660 |
| Loan and lease loss provision to assets | 0.0437% | 3,229 |
| Net operating income to assets | 1.2676% | 1,444 |
| Return on assets (ROA) | 1.2676% | 1,473 |
| Pretax return on assets | 1.1541% | 3,098 |
| Return on Equity (ROE) | 11.5058% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.8413% | 1,775 |
| Net charge-offs to loans | 0.2922% | 728 |
| Credit loss provision to net charge-offs | 25.2918% | 3,115 |
| Earnings coverage of net charge-offs (x) | 6.9377% | 2,929 |
| Efficiency ratio | 72.1425% | 2,186 |
| Assets per employee ($millions) | 4.4511% | 3,239 |
| Cash dividends to net income (ytd only)* | 40.5403% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,480 |
| Loan loss allowance to noncurrent loans | 400.4640% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 4,216 |
| Noncurrent loans to loans | 0.3783% | 3,594 |
| Net loans and leases to total assets | 56.0220% | 4,232 |
| Net loans and leases to deposits | 63.7816% | 4,392 |
| Net loans and leases to core deposits | 65.7589% | 4,497 |
| Total domestic deposits to total assets | 87.8341% | 1,455 |
| Equity capital to assets | 11.3286% | 2,548 |
| Core capital (leverage) ratio | 10.0393% | 3,525 |
| Tier 1 risk-based capital ratio | 16.1873% | 2,424 |
| Total risk-based capital ratio | 17.4390% | 2,374 |
| Memoranda: | ||
| Average total assets | $198,474,500 | 2,963 |
| Average earning assets | $175,595,500 | 3,032 |
| Average equity | $21,866,750 | 2,988 |
| Average total loans | $117,256,500 | 3,119 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 2,450 |
| Cost of funding earning assets | 0.3128% | 3,949 |
| Net interest margin | 3.8933% | 1,955 |
| Noninterest income to average assets | 0.9380% | 1,159 |
| Noninterest expense to average assets | 3.1941% | 1,597 |
| Loan and lease loss provision to assets | 0.0202% | 3,575 |
| Net operating income to assets | 1.1584% | 1,747 |
| Return on assets (ROA) | 1.1584% | 1,791 |
| Pretax return on assets | 1.1584% | 2,943 |
| Return on Equity (ROE) | 10.6150% | 1,788 |
| Retained earnings to average equity (ytd only) | 5.6132% | 2,340 |
| Net charge-offs to loans | 0.1622% | 1,196 |
| Credit loss provision to net charge-offs | 20.8333% | 2,781 |
| Earnings coverage of net charge-offs (x) | 12.1458% | 2,220 |
| Efficiency ratio | 72.6768% | 2,234 |
| Assets per employee ($millions) | 4.3798% | 3,297 |
| Cash dividends to net income (ytd only)* | 47.1204% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 1,483 |
| Loan loss allowance to noncurrent loans | 422.4771% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 4,271 |
| Noncurrent loans to loans | 0.3619% | 3,733 |
| Net loans and leases to total assets | 60.1851% | 3,828 |
| Net loans and leases to deposits | 68.3653% | 4,034 |
| Net loans and leases to core deposits | 70.6181% | 4,188 |
| Total domestic deposits to total assets | 88.0345% | 1,441 |
| Equity capital to assets | 11.1684% | 2,636 |
| Core capital (leverage) ratio | 9.9850% | 3,557 |
| Tier 1 risk-based capital ratio | 15.1770% | 2,852 |
| Total risk-based capital ratio | 16.4292% | 2,788 |
| Memoranda: | ||
| Average total assets | $197,866,670 | 2,986 |
| Average earning assets | $174,554,670 | 3,055 |
| Average equity | $21,592,000 | 3,021 |
| Average total loans | $118,363,000 | 3,117 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,110 |
| Cost of funding earning assets | 0.3429% | 3,602 |
| Net interest margin | 3.9029% | 1,768 |
| Noninterest income to average assets | 0.9503% | 1,105 |
| Noninterest expense to average assets | 3.0627% | 1,976 |
| Loan and lease loss provision to assets | 0.0404% | 2,997 |
| Net operating income to assets | 1.2691% | 1,324 |
| Return on assets (ROA) | 1.2691% | 1,358 |
| Pretax return on assets | 1.2691% | 2,354 |
| Return on Equity (ROE) | 11.7669% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.7669% | 501 |
| Net charge-offs to loans | 0.0443% | 1,950 |
| Credit loss provision to net charge-offs | 153.8462% | 1,197 |
| Earnings coverage of net charge-offs (x) | 49.9231% | 895 |
| Efficiency ratio | 69.6816% | 2,945 |
| Assets per employee ($millions) | 4.5878% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 1,238 |
| Loan loss allowance to noncurrent loans | 412.2056% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 4,278 |
| Noncurrent loans to loans | 0.4014% | 3,657 |
| Net loans and leases to total assets | 57.9926% | 3,977 |
| Net loans and leases to deposits | 65.7734% | 4,193 |
| Net loans and leases to core deposits | 68.1522% | 4,287 |
| Total domestic deposits to total assets | 88.1703% | 1,611 |
| Equity capital to assets | 11.0587% | 2,574 |
| Core capital (leverage) ratio | 9.6032% | 3,994 |
| Tier 1 risk-based capital ratio | 15.1467% | 2,901 |
| Total risk-based capital ratio | 16.4006% | 2,831 |
| Memoranda: | ||
| Average total assets | $198,254,000 | 3,014 |
| Average earning assets | $173,821,500 | 3,088 |
| Average equity | $21,382,000 | 3,046 |
| Average total loans | $117,313,500 | 3,159 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 2,878 |
| Cost of funding earning assets | 0.3106% | 3,954 |
| Net interest margin | 3.7826% | 2,382 |
| Noninterest income to average assets | 0.9188% | 1,351 |
| Noninterest expense to average assets | 3.0907% | 2,070 |
| Loan and lease loss provision to assets | 0.0762% | 2,835 |
| Net operating income to assets | 0.8811% | 2,925 |
| Return on assets (ROA) | 0.8904% | 2,990 |
| Pretax return on assets | 1.1220% | 3,008 |
| Return on Equity (ROE) | 8.4779% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.9147% | 1,755 |
| Net charge-offs to loans | 0.0857% | 2,472 |
| Credit loss provision to net charge-offs | 154.6392% | 1,773 |
| Earnings coverage of net charge-offs (x) | 24.0825% | 1,655 |
| Efficiency ratio | 71.8917% | 2,600 |
| Assets per employee ($millions) | 4.6333% | 2,910 |
| Cash dividends to net income (ytd only)* | 30.2339% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 1,325 |
| Loan loss allowance to noncurrent loans | 354.5287% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 4,199 |
| Noncurrent loans to loans | 0.4573% | 3,516 |
| Net loans and leases to total assets | 58.4135% | 4,027 |
| Net loans and leases to deposits | 67.8235% | 4,095 |
| Net loans and leases to core deposits | 70.0939% | 4,238 |
| Total domestic deposits to total assets | 86.1258% | 2,522 |
| Equity capital to assets | 10.5143% | 3,140 |
| Core capital (leverage) ratio | 9.4646% | 4,130 |
| Tier 1 risk-based capital ratio | 14.7850% | 3,056 |
| Total risk-based capital ratio | 16.0387% | 3,003 |
| Memoranda: | ||
| Average total assets | $196,883,400 | 2,990 |
| Average earning assets | $174,802,200 | 3,058 |
| Average equity | $20,677,200 | 3,101 |
| Average total loans | $113,209,800 | 3,169 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 3,001 |
| Cost of funding earning assets | 0.3100% | 3,978 |
| Net interest margin | 3.7519% | 2,513 |
| Noninterest income to average assets | 0.9937% | 1,156 |
| Noninterest expense to average assets | 3.0755% | 2,089 |
| Loan and lease loss provision to assets | 0.0815% | 2,578 |
| Net operating income to assets | 0.9275% | 2,767 |
| Return on assets (ROA) | 0.9407% | 2,830 |
| Pretax return on assets | 1.1995% | 2,837 |
| Return on Equity (ROE) | 8.9600% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.9518% | 2,210 |
| Net charge-offs to loans | 0.0989% | 1,960 |
| Credit loss provision to net charge-offs | 144.5783% | 1,818 |
| Earnings coverage of net charge-offs (x) | 22.4225% | 1,759 |
| Efficiency ratio | 70.5118% | 2,821 |
| Assets per employee ($millions) | 4.5918% | 2,938 |
| Cash dividends to net income (ytd only)* | 33.5738% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 1,330 |
| Loan loss allowance to noncurrent loans | 328.4974% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 4,254 |
| Noncurrent loans to loans | 0.5017% | 3,501 |
| Net loans and leases to total assets | 57.4922% | 4,139 |
| Net loans and leases to deposits | 67.0938% | 4,234 |
| Net loans and leases to core deposits | 69.1791% | 4,386 |
| Total domestic deposits to total assets | 85.6893% | 2,518 |
| Equity capital to assets | 10.7650% | 3,292 |
| Core capital (leverage) ratio | 9.4349% | 4,280 |
| Tier 1 risk-based capital ratio | 14.4817% | 3,294 |
| Total risk-based capital ratio | 15.7351% | 3,229 |
| Memoranda: | ||
| Average total assets | $196,296,000 | 3,006 |
| Average earning assets | $175,051,500 | 3,071 |
| Average equity | $20,609,500 | 3,133 |
| Average total loans | $111,938,000 | 3,198 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 3,087 |
| Cost of funding earning assets | 0.3095% | 4,022 |
| Net interest margin | 3.7340% | 2,570 |
| Noninterest income to average assets | 1.0484% | 1,017 |
| Noninterest expense to average assets | 3.0493% | 2,211 |
| Loan and lease loss provision to assets | 0.0613% | 2,907 |
| Net operating income to assets | 0.9795% | 2,471 |
| Return on assets (ROA) | 0.9994% | 2,534 |
| Pretax return on assets | 1.2883% | 2,456 |
| Return on Equity (ROE) | 9.6007% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.0406% | 2,709 |
| Net charge-offs to loans | 0.1715% | 1,316 |
| Credit loss provision to net charge-offs | 63.1579% | 2,542 |
| Earnings coverage of net charge-offs (x) | 13.6526% | 2,111 |
| Efficiency ratio | 69.3511% | 3,087 |
| Assets per employee ($millions) | 4.6517% | 2,792 |
| Cash dividends to net income (ytd only)* | 47.4974% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,494 |
| Loan loss allowance to noncurrent loans | 293.7400% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 4,259 |
| Noncurrent loans to loans | 0.5493% | 3,419 |
| Net loans and leases to total assets | 55.7859% | 4,335 |
| Net loans and leases to deposits | 64.8013% | 4,437 |
| Net loans and leases to core deposits | 66.9254% | 4,547 |
| Total domestic deposits to total assets | 86.0875% | 2,375 |
| Equity capital to assets | 10.4149% | 3,726 |
| Core capital (leverage) ratio | 9.4040% | 4,330 |
| Tier 1 risk-based capital ratio | 14.6107% | 3,248 |
| Total risk-based capital ratio | 15.8635% | 3,187 |
| Memoranda: | ||
| Average total assets | $195,912,670 | 3,030 |
| Average earning assets | $174,450,330 | 3,090 |
| Average equity | $20,394,330 | 3,153 |
| Average total loans | $110,778,000 | 3,226 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 2,937 |
| Cost of funding earning assets | 0.3179% | 3,973 |
| Net interest margin | 3.7595% | 2,440 |
| Noninterest income to average assets | 1.0668% | 953 |
| Noninterest expense to average assets | 3.2106% | 1,817 |
| Loan and lease loss provision to assets | 0.0413% | 3,097 |
| Net operating income to assets | 0.9203% | 2,650 |
| Return on assets (ROA) | 0.9615% | 2,571 |
| Pretax return on assets | 1.2091% | 2,666 |
| Return on Equity (ROE) | 9.2389% | 2,310 |
| Retained earnings to average equity (ytd only) | 3.2316% | 3,884 |
| Net charge-offs to loans | 0.2193% | 928 |
| Credit loss provision to net charge-offs | 33.3333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 9.6833% | 1,971 |
| Efficiency ratio | 72.4380% | 2,733 |
| Assets per employee ($millions) | 4.4265% | 3,207 |
| Cash dividends to net income (ytd only)* | 65.0215% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,569 |
| Loan loss allowance to noncurrent loans | 228.1250% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,948 |
| Noncurrent loans to loans | 0.7070% | 3,078 |
| Net loans and leases to total assets | 57.1586% | 4,133 |
| Net loans and leases to deposits | 64.6130% | 4,379 |
| Net loans and leases to core deposits | 66.6182% | 4,495 |
| Total domestic deposits to total assets | 88.4630% | 1,372 |
| Equity capital to assets | 10.4834% | 3,518 |
| Core capital (leverage) ratio | 9.1123% | 4,720 |
| Tier 1 risk-based capital ratio | 14.2632% | 3,523 |
| Total risk-based capital ratio | 15.5160% | 3,446 |
| Memoranda: | ||
| Average total assets | $193,858,000 | 3,059 |
| Average earning assets | $172,363,500 | 3,128 |
| Average equity | $20,175,500 | 3,180 |
| Average total loans | $109,460,000 | 3,246 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 3,755 |
| Cost of funding earning assets | 0.3209% | 4,015 |
| Net interest margin | 3.5659% | 3,257 |
| Noninterest income to average assets | 0.9567% | 1,299 |
| Noninterest expense to average assets | 3.3469% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6432% | 4,067 |
| Return on assets (ROA) | 0.6694% | 4,043 |
| Pretax return on assets | 0.8112% | 4,153 |
| Return on Equity (ROE) | 6.6181% | 3,718 |
| Retained earnings to average equity (ytd only) | 2.6769% | 4,167 |
| Net charge-offs to loans | 0.0223% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 68.4545% | 784 |
| Efficiency ratio | 80.7176% | 1,579 |
| Assets per employee ($millions) | 3.6406% | 4,580 |
| Cash dividends to net income (ytd only)* | 59.5514% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,208 |
| Loan loss allowance to noncurrent loans | 254.7814% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,074 |
| Noncurrent loans to loans | 0.6921% | 3,120 |
| Net loans and leases to total assets | 53.8505% | 4,518 |
| Net loans and leases to deposits | 60.7056% | 4,723 |
| Net loans and leases to core deposits | 62.6602% | 4,832 |
| Total domestic deposits to total assets | 88.7075% | 1,281 |
| Equity capital to assets | 10.3306% | 3,592 |
| Core capital (leverage) ratio | 9.0433% | 4,828 |
| Tier 1 risk-based capital ratio | 14.6475% | 3,353 |
| Total risk-based capital ratio | 15.9015% | 3,280 |
| Memoranda: | ||
| Average total assets | $193,161,400 | 3,011 |
| Average earning assets | $171,710,800 | 3,101 |
| Average equity | $19,537,200 | 3,218 |
| Average total loans | $98,474,600 | 3,410 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 3,922 |
| Cost of funding earning assets | 0.3253% | 4,043 |
| Net interest margin | 3.5283% | 3,432 |
| Noninterest income to average assets | 0.9343% | 1,359 |
| Noninterest expense to average assets | 3.2895% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6627% | 4,064 |
| Return on assets (ROA) | 0.6721% | 4,131 |
| Pretax return on assets | 0.7915% | 4,361 |
| Return on Equity (ROE) | 6.6808% | 3,793 |
| Retained earnings to average equity (ytd only) | 1.9686% | 4,892 |
| Net charge-offs to loans | 0.0097% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 161.6249% | 434 |
| Efficiency ratio | 80.4340% | 1,597 |
| Assets per employee ($millions) | 3.7349% | 4,383 |
| Cash dividends to net income (ytd only)* | 70.5343% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 1,031 |
| Loan loss allowance to noncurrent loans | 318.6441% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 4,556 |
| Noncurrent loans to loans | 0.6024% | 3,511 |
| Net loans and leases to total assets | 49.4591% | 4,972 |
| Net loans and leases to deposits | 55.7634% | 5,140 |
| Net loans and leases to core deposits | 57.4961% | 5,222 |
| Total domestic deposits to total assets | 88.6945% | 1,178 |
| Equity capital to assets | 10.2685% | 3,855 |
| Core capital (leverage) ratio | 8.9546% | 5,047 |
| Tier 1 risk-based capital ratio | 15.7440% | 2,925 |
| Total risk-based capital ratio | 17.0001% | 2,854 |
| Memoranda: | ||
| Average total assets | $193,214,000 | 3,040 |
| Average earning assets | $171,714,000 | 3,123 |
| Average equity | $19,438,250 | 3,256 |
| Average total loans | $96,650,750 | 3,477 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 3,912 |
| Cost of funding earning assets | 0.3287% | 4,068 |
| Net interest margin | 3.5125% | 3,452 |
| Noninterest income to average assets | 0.8834% | 1,494 |
| Noninterest expense to average assets | 3.2103% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6499% | 4,120 |
| Return on assets (ROA) | 0.6636% | 4,165 |
| Pretax return on assets | 0.8036% | 4,299 |
| Return on Equity (ROE) | 6.6424% | 3,813 |
| Retained earnings to average equity (ytd only) | 0.3633% | 5,398 |
| Net charge-offs to loans | 0.0561% | 2,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 28.1111% | 1,429 |
| Efficiency ratio | 79.8962% | 1,780 |
| Assets per employee ($millions) | 3.6035% | 4,624 |
| Cash dividends to net income (ytd only)* | 94.5313% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 1,159 |
| Loan loss allowance to noncurrent loans | 341.9118% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 4,740 |
| Noncurrent loans to loans | 0.5562% | 3,787 |
| Net loans and leases to total assets | 50.2354% | 4,910 |
| Net loans and leases to deposits | 56.5220% | 5,090 |
| Net loans and leases to core deposits | 58.1031% | 5,187 |
| Total domestic deposits to total assets | 88.8775% | 1,202 |
| Equity capital to assets | 10.1459% | 3,873 |
| Core capital (leverage) ratio | 8.9290% | 5,050 |
| Tier 1 risk-based capital ratio | 15.4604% | 3,123 |
| Total risk-based capital ratio | 16.7162% | 3,065 |
| Memoranda: | ||
| Average total assets | $192,880,330 | 3,067 |
| Average earning assets | $170,989,330 | 3,155 |
| Average equity | $19,270,000 | 3,291 |
| Average total loans | $96,222,000 | 3,505 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,968 |
| Cost of funding earning assets | 0.3333% | 4,060 |
| Net interest margin | 3.4772% | 3,521 |
| Noninterest income to average assets | 0.9142% | 1,340 |
| Noninterest expense to average assets | 3.3225% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6088% | 4,247 |
| Return on assets (ROA) | 0.6088% | 4,339 |
| Pretax return on assets | 0.6707% | 4,689 |
| Return on Equity (ROE) | 6.1406% | 3,962 |
| Retained earnings to average equity (ytd only) | -4.7459% | 5,920 |
| Net charge-offs to loans | 0.0880% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.4762% | 1,623 |
| Efficiency ratio | 82.7907% | 1,523 |
| Assets per employee ($millions) | 3.8458% | 4,256 |
| Cash dividends to net income (ytd only)* | 177.2881% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 1,206 |
| Loan loss allowance to noncurrent loans | 306.4039% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 4,742 |
| Noncurrent loans to loans | 0.6326% | 3,694 |
| Net loans and leases to total assets | 48.1349% | 5,016 |
| Net loans and leases to deposits | 53.8996% | 5,197 |
| Net loans and leases to core deposits | 55.3572% | 5,291 |
| Total domestic deposits to total assets | 89.3048% | 1,090 |
| Equity capital to assets | 9.7806% | 4,408 |
| Core capital (leverage) ratio | 8.7163% | 5,308 |
| Tier 1 risk-based capital ratio | 15.3833% | 3,205 |
| Total risk-based capital ratio | 15.3833% | 3,856 |
| Memoranda: | ||
| Average total assets | $193,829,000 | 3,072 |
| Average earning assets | $171,633,500 | 3,159 |
| Average equity | $19,216,500 | 3,317 |
| Average total loans | $95,432,500 | 3,537 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 3,238 |
| Cost of funding earning assets | 0.3739% | 3,993 |
| Net interest margin | 3.7486% | 2,815 |
| Noninterest income to average assets | 1.0505% | 1,105 |
| Noninterest expense to average assets | 3.4408% | 1,620 |
| Loan and lease loss provision to assets | 0.0754% | 2,971 |
| Net operating income to assets | 0.7299% | 3,738 |
| Return on assets (ROA) | 0.7285% | 3,855 |
| Pretax return on assets | 0.8529% | 4,062 |
| Return on Equity (ROE) | 7.2590% | 3,484 |
| Retained earnings to average equity (ytd only) | 5.4885% | 2,268 |
| Net charge-offs to loans | -0.2651% | 6,314 |
| Credit loss provision to net charge-offs | -55.7769% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3418% | 2,154 |
| Assets per employee ($millions) | 3.6832% | 4,562 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 1,123 |
| Loan loss allowance to noncurrent loans | 253.2886% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 4,526 |
| Noncurrent loans to loans | 0.7876% | 3,335 |
| Net loans and leases to total assets | 48.4028% | 5,119 |
| Net loans and leases to deposits | 54.3706% | 5,303 |
| Net loans and leases to core deposits | 55.8788% | 5,392 |
| Total domestic deposits to total assets | 89.0238% | 1,223 |
| Equity capital to assets | 10.0510% | 4,042 |
| Core capital (leverage) ratio | 8.9280% | 5,088 |
| Tier 1 risk-based capital ratio | 16.0072% | 2,959 |
| Total risk-based capital ratio | 17.2637% | 2,899 |
| Memoranda: | ||
| Average total assets | $185,713,800 | 3,153 |
| Average earning assets | $164,490,000 | 3,224 |
| Average equity | $18,639,000 | 3,334 |
| Average total loans | $94,677,000 | 3,536 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,078 |
| Cost of funding earning assets | 0.3786% | 4,035 |
| Net interest margin | 3.7945% | 2,639 |
| Noninterest income to average assets | 1.0369% | 1,139 |
| Noninterest expense to average assets | 3.4248% | 1,604 |
| Loan and lease loss provision to assets | 0.1013% | 2,344 |
| Net operating income to assets | 0.7406% | 3,724 |
| Return on assets (ROA) | 0.7388% | 3,839 |
| Pretax return on assets | 0.8669% | 4,116 |
| Return on Equity (ROE) | 7.3639% | 3,516 |
| Retained earnings to average equity (ytd only) | 5.5824% | 2,683 |
| Net charge-offs to loans | -0.2886% | 6,382 |
| Credit loss provision to net charge-offs | -68.2927% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5436% | 2,257 |
| Assets per employee ($millions) | 3.7730% | 4,349 |
| Cash dividends to net income (ytd only)* | 24.1923% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 1,414 |
| Loan loss allowance to noncurrent loans | 269.5461% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 4,677 |
| Noncurrent loans to loans | 0.7114% | 3,831 |
| Net loans and leases to total assets | 49.9186% | 5,022 |
| Net loans and leases to deposits | 56.1815% | 5,226 |
| Net loans and leases to core deposits | 57.7696% | 5,346 |
| Total domestic deposits to total assets | 88.8524% | 1,331 |
| Equity capital to assets | 10.0757% | 4,075 |
| Core capital (leverage) ratio | 9.0090% | 5,057 |
| Tier 1 risk-based capital ratio | 15.5843% | 3,273 |
| Total risk-based capital ratio | 16.8068% | 3,222 |
| Memoranda: | ||
| Average total assets | $184,261,250 | 3,195 |
| Average earning assets | $163,073,000 | 3,272 |
| Average equity | $18,486,250 | 3,373 |
| Average total loans | $94,698,750 | 3,569 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 2,782 |
| Cost of funding earning assets | 0.3859% | 4,041 |
| Net interest margin | 3.8602% | 2,333 |
| Noninterest income to average assets | 0.9934% | 1,221 |
| Noninterest expense to average assets | 3.4738% | 1,523 |
| Loan and lease loss provision to assets | 0.1313% | 1,885 |
| Net operating income to assets | 0.7108% | 3,778 |
| Return on assets (ROA) | 0.7079% | 3,893 |
| Pretax return on assets | 0.7888% | 4,320 |
| Return on Equity (ROE) | 7.0663% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.2642% | 2,787 |
| Net charge-offs to loans | 0.2334% | 1,642 |
| Credit loss provision to net charge-offs | 109.0909% | 1,834 |
| Earnings coverage of net charge-offs (x) | 7.6727% | 2,599 |
| Efficiency ratio | 78.6016% | 2,217 |
| Assets per employee ($millions) | 3.5460% | 4,761 |
| Cash dividends to net income (ytd only)* | 25.5023% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 2,417 |
| Loan loss allowance to noncurrent loans | 150.6000% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 3,557 |
| Noncurrent loans to loans | 1.0708% | 3,090 |
| Net loans and leases to total assets | 49.8316% | 4,975 |
| Net loans and leases to deposits | 56.0684% | 5,184 |
| Net loans and leases to core deposits | 57.5532% | 5,304 |
| Total domestic deposits to total assets | 88.8765% | 1,429 |
| Equity capital to assets | 10.0920% | 3,983 |
| Core capital (leverage) ratio | 9.0496% | 4,947 |
| Tier 1 risk-based capital ratio | 15.7900% | 3,199 |
| Total risk-based capital ratio | 17.0428% | 3,132 |
| Memoranda: | ||
| Average total assets | $182,798,000 | 3,221 |
| Average earning assets | $161,181,670 | 3,304 |
| Average equity | $18,312,330 | 3,389 |
| Average total loans | $94,260,670 | 3,586 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,482 |
| Cost of funding earning assets | 0.3892% | 4,096 |
| Net interest margin | 3.9218% | 2,008 |
| Noninterest income to average assets | 0.9714% | 1,194 |
| Noninterest expense to average assets | 3.5494% | 1,399 |
| Loan and lease loss provision to assets | 0.1319% | 1,844 |
| Net operating income to assets | 0.7451% | 3,454 |
| Return on assets (ROA) | 0.7385% | 3,576 |
| Pretax return on assets | 0.7385% | 4,358 |
| Return on Equity (ROE) | 7.3993% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.5715% | 2,758 |
| Net charge-offs to loans | 0.3548% | 1,008 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,482 |
| Efficiency ratio | 79.7915% | 2,241 |
| Assets per employee ($millions) | 3.5883% | 4,743 |
| Cash dividends to net income (ytd only)* | 24.7024% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 2,941 |
| Loan loss allowance to noncurrent loans | 106.5894% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 3,183 |
| Noncurrent loans to loans | 1.4517% | 2,613 |
| Net loans and leases to total assets | 51.1762% | 4,768 |
| Net loans and leases to deposits | 57.5591% | 4,983 |
| Net loans and leases to core deposits | 58.5314% | 5,158 |
| Total domestic deposits to total assets | 88.9107% | 1,717 |
| Equity capital to assets | 10.0855% | 3,742 |
| Core capital (leverage) ratio | 9.0135% | 4,988 |
| Tier 1 risk-based capital ratio | 15.2481% | 3,581 |
| Total risk-based capital ratio | 16.4998% | 3,533 |
| Memoranda: | ||
| Average total assets | $182,000,500 | 3,257 |
| Average earning assets | $160,334,500 | 3,344 |
| Average equity | $18,164,000 | 3,403 |
| Average total loans | $94,695,000 | 3,593 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,523 |
| Cost of funding earning assets | 0.4079% | 4,559 |
| Net interest margin | 4.0099% | 1,920 |
| Noninterest income to average assets | 1.1278% | 1,104 |
| Noninterest expense to average assets | 3.6776% | 1,319 |
| Loan and lease loss provision to assets | 0.5262% | 519 |
| Net operating income to assets | 0.4723% | 4,858 |
| Return on assets (ROA) | 0.5172% | 4,790 |
| Pretax return on assets | 0.5386% | 5,076 |
| Return on Equity (ROE) | 5.1346% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.2908% | 3,891 |
| Net charge-offs to loans | 1.5697% | 295 |
| Credit loss provision to net charge-offs | 63.4328% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.2273% | 4,664 |
| Efficiency ratio | 77.9482% | 2,475 |
| Assets per employee ($millions) | 3.5489% | 4,804 |
| Cash dividends to net income (ytd only)* | 35.9086% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 2,807 |
| Loan loss allowance to noncurrent loans | 66.2533% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 2,882 |
| Noncurrent loans to loans | 2.3954% | 1,595 |
| Net loans and leases to total assets | 51.2536% | 4,943 |
| Net loans and leases to deposits | 57.5203% | 5,165 |
| Net loans and leases to core deposits | 58.3877% | 5,358 |
| Total domestic deposits to total assets | 89.1053% | 1,550 |
| Equity capital to assets | 9.8737% | 3,933 |
| Core capital (leverage) ratio | 8.7959% | 5,286 |
| Tier 1 risk-based capital ratio | 15.1973% | 3,548 |
| Total risk-based capital ratio | 16.4500% | 3,494 |
| Memoranda: | ||
| Average total assets | $177,695,000 | 3,298 |
| Average earning assets | $158,108,800 | 3,374 |
| Average equity | $17,898,200 | 3,433 |
| Average total loans | $93,903,000 | 3,602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 2,444 |
| Cost of funding earning assets | 0.4101% | 4,734 |
| Net interest margin | 4.0339% | 1,830 |
| Noninterest income to average assets | 1.0818% | 1,253 |
| Noninterest expense to average assets | 3.7428% | 1,177 |
| Loan and lease loss provision to assets | 0.4561% | 622 |
| Net operating income to assets | 0.4549% | 5,010 |
| Return on assets (ROA) | 0.5330% | 4,811 |
| Pretax return on assets | 0.5616% | 5,162 |
| Return on Equity (ROE) | 5.2647% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.4179% | 4,252 |
| Net charge-offs to loans | 1.7282% | 247 |
| Credit loss provision to net charge-offs | 49.7533% | 3,509 |
| Earnings coverage of net charge-offs (x) | 1.0206% | 4,504 |
| Efficiency ratio | 79.6326% | 2,158 |
| Assets per employee ($millions) | 3.1938% | 5,507 |
| Cash dividends to net income (ytd only)* | 35.0781% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,277 |
| Loan loss allowance to noncurrent loans | 66.7917% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 3,189 |
| Noncurrent loans to loans | 2.3059% | 1,901 |
| Net loans and leases to total assets | 50.8982% | 5,017 |
| Net loans and leases to deposits | 57.1284% | 5,268 |
| Net loans and leases to core deposits | 57.9112% | 5,458 |
| Total domestic deposits to total assets | 89.0944% | 1,509 |
| Equity capital to assets | 9.7991% | 4,184 |
| Core capital (leverage) ratio | 8.9556% | 5,188 |
| Tier 1 risk-based capital ratio | 15.6033% | 3,404 |
| Total risk-based capital ratio | 16.8557% | 3,367 |
| Memoranda: | ||
| Average total assets | $176,869,750 | 3,339 |
| Average earning assets | $157,691,000 | 3,413 |
| Average equity | $17,905,000 | 3,477 |
| Average total loans | $93,813,000 | 3,629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 2,364 |
| Cost of funding earning assets | 0.4116% | 4,846 |
| Net interest margin | 4.0425% | 1,723 |
| Noninterest income to average assets | 1.0158% | 1,486 |
| Noninterest expense to average assets | 3.8080% | 1,080 |
| Loan and lease loss provision to assets | 0.4313% | 690 |
| Net operating income to assets | 0.4177% | 5,152 |
| Return on assets (ROA) | 0.4177% | 5,306 |
| Pretax return on assets | 0.3995% | 5,639 |
| Return on Equity (ROE) | 4.0818% | 5,187 |
| Retained earnings to average equity (ytd only) | 2.2516% | 4,845 |
| Net charge-offs to loans | 0.8805% | 713 |
| Credit loss provision to net charge-offs | 91.5663% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.7639% | 3,943 |
| Efficiency ratio | 81.6981% | 1,931 |
| Assets per employee ($millions) | 3.0573% | 5,755 |
| Cash dividends to net income (ytd only)* | 44.8370% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1495% | 1,531 |
| Loan loss allowance to noncurrent loans | 72.6216% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 2,720 |
| Noncurrent loans to loans | 2.9599% | 1,509 |
| Net loans and leases to total assets | 52.2448% | 4,825 |
| Net loans and leases to deposits | 58.7861% | 5,091 |
| Net loans and leases to core deposits | 59.6141% | 5,295 |
| Total domestic deposits to total assets | 88.8728% | 1,697 |
| Equity capital to assets | 9.9939% | 3,923 |
| Core capital (leverage) ratio | 9.0634% | 4,892 |
| Tier 1 risk-based capital ratio | 15.8613% | 3,282 |
| Total risk-based capital ratio | 17.1212% | 3,221 |
| Memoranda: | ||
| Average total assets | $176,208,670 | 3,357 |
| Average earning assets | $157,922,670 | 3,431 |
| Average equity | $18,031,330 | 3,478 |
| Average total loans | $94,265,000 | 3,628 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 2,147 |
| Cost of funding earning assets | 0.4184% | 4,920 |
| Net interest margin | 4.0861% | 1,501 |
| Noninterest income to average assets | 1.0317% | 1,393 |
| Noninterest expense to average assets | 3.9056% | 994 |
| Loan and lease loss provision to assets | 0.3499% | 932 |
| Net operating income to assets | 0.4447% | 4,934 |
| Return on assets (ROA) | 0.4447% | 5,096 |
| Pretax return on assets | 0.4357% | 5,451 |
| Return on Equity (ROE) | 4.2969% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.2969% | 3,646 |
| Net charge-offs to loans | 1.5347% | 350 |
| Credit loss provision to net charge-offs | 42.5824% | 2,713 |
| Earnings coverage of net charge-offs (x) | 0.9560% | 3,515 |
| Efficiency ratio | 82.8681% | 1,912 |
| Assets per employee ($millions) | 3.3168% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 2,078 |
| Loan loss allowance to noncurrent loans | 79.4950% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 3,351 |
| Noncurrent loans to loans | 2.5003% | 2,068 |
| Net loans and leases to total assets | 51.2222% | 4,808 |
| Net loans and leases to deposits | 57.8869% | 5,054 |
| Net loans and leases to core deposits | 58.7932% | 5,265 |
| Total domestic deposits to total assets | 88.4868% | 2,017 |
| Equity capital to assets | 10.4108% | 3,652 |
| Core capital (leverage) ratio | 9.0614% | 4,785 |
| Tier 1 risk-based capital ratio | 16.3794% | 3,075 |
| Total risk-based capital ratio | 17.6377% | 3,016 |
| Memoranda: | ||
| Average total assets | $177,180,000 | 3,387 |
| Average earning assets | $158,684,500 | 3,458 |
| Average equity | $18,339,000 | 3,479 |
| Average total loans | $94,875,000 | 3,635 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,998 |
| Cost of funding earning assets | 0.5334% | 4,965 |
| Net interest margin | 4.3230% | 1,344 |
| Noninterest income to average assets | 1.1292% | 1,224 |
| Noninterest expense to average assets | 3.9359% | 1,057 |
| Loan and lease loss provision to assets | 0.2323% | 2,809 |
| Net operating income to assets | 0.6587% | 3,944 |
| Return on assets (ROA) | 0.6662% | 4,172 |
| Pretax return on assets | 0.8260% | 4,199 |
| Return on Equity (ROE) | 6.3228% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.2910% | 3,913 |
| Net charge-offs to loans | 0.3491% | 2,890 |
| Credit loss provision to net charge-offs | 120.1201% | 2,387 |
| Earnings coverage of net charge-offs (x) | 5.4234% | 3,039 |
| Efficiency ratio | 78.5947% | 2,346 |
| Assets per employee ($millions) | 3.3693% | 5,287 |
| Cash dividends to net income (ytd only)* | 47.9512% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 1,819 |
| Loan loss allowance to noncurrent loans | 87.9050% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5226% | 3,094 |
| Noncurrent loans to loans | 2.3651% | 2,272 |
| Net loans and leases to total assets | 53.6739% | 4,661 |
| Net loans and leases to deposits | 60.6340% | 4,953 |
| Net loans and leases to core deposits | 61.7708% | 5,178 |
| Total domestic deposits to total assets | 88.5211% | 1,890 |
| Equity capital to assets | 10.2911% | 3,771 |
| Core capital (leverage) ratio | 8.6706% | 5,368 |
| Tier 1 risk-based capital ratio | 15.1817% | 3,623 |
| Total risk-based capital ratio | 16.4413% | 3,564 |
| Memoranda: | ||
| Average total assets | $172,158,600 | 3,417 |
| Average earning assets | $153,551,800 | 3,490 |
| Average equity | $18,140,600 | 3,447 |
| Average total loans | $95,401,200 | 3,633 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 1,980 |
| Cost of funding earning assets | 0.5549% | 5,047 |
| Net interest margin | 4.3534% | 1,340 |
| Noninterest income to average assets | 1.1148% | 1,211 |
| Noninterest expense to average assets | 3.8806% | 1,089 |
| Loan and lease loss provision to assets | 0.2189% | 2,869 |
| Net operating income to assets | 0.7763% | 3,565 |
| Return on assets (ROA) | 0.7857% | 3,765 |
| Pretax return on assets | 0.9209% | 4,025 |
| Return on Equity (ROE) | 7.4107% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.5672% | 2,992 |
| Net charge-offs to loans | 0.3123% | 2,881 |
| Credit loss provision to net charge-offs | 126.1261% | 2,282 |
| Earnings coverage of net charge-offs (x) | 6.5046% | 2,775 |
| Efficiency ratio | 77.1067% | 2,505 |
| Assets per employee ($millions) | 3.2557% | 5,527 |
| Cash dividends to net income (ytd only)* | 24.8759% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 1,797 |
| Loan loss allowance to noncurrent loans | 81.0076% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.5011% | 3,340 |
| Noncurrent loans to loans | 2.6591% | 2,132 |
| Net loans and leases to total assets | 52.3449% | 5,000 |
| Net loans and leases to deposits | 59.3481% | 5,276 |
| Net loans and leases to core deposits | 60.6242% | 5,495 |
| Total domestic deposits to total assets | 88.1997% | 1,918 |
| Equity capital to assets | 10.5933% | 3,743 |
| Core capital (leverage) ratio | 8.9945% | 5,074 |
| Tier 1 risk-based capital ratio | 16.8360% | 2,822 |
| Total risk-based capital ratio | 18.0907% | 2,773 |
| Memoranda: | ||
| Average total assets | $170,555,500 | 3,476 |
| Average earning assets | $152,580,500 | 3,539 |
| Average equity | $18,081,500 | 3,492 |
| Average total loans | $94,781,250 | 3,686 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 1,733 |
| Cost of funding earning assets | 0.5793% | 5,079 |
| Net interest margin | 4.4403% | 1,106 |
| Noninterest income to average assets | 1.1339% | 1,108 |
| Noninterest expense to average assets | 3.8186% | 1,184 |
| Loan and lease loss provision to assets | 0.2370% | 2,703 |
| Net operating income to assets | 0.8538% | 3,117 |
| Return on assets (ROA) | 0.8673% | 3,321 |
| Pretax return on assets | 1.0722% | 3,405 |
| Return on Equity (ROE) | 8.1785% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.3350% | 2,482 |
| Net charge-offs to loans | 0.3241% | 2,737 |
| Credit loss provision to net charge-offs | 129.8701% | 2,118 |
| Earnings coverage of net charge-offs (x) | 7.0844% | 2,527 |
| Efficiency ratio | 74.3394% | 3,021 |
| Assets per employee ($millions) | 2.8760% | 6,274 |
| Cash dividends to net income (ytd only)* | 22.5410% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 1,971 |
| Loan loss allowance to noncurrent loans | 104.1904% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 3,247 |
| Noncurrent loans to loans | 2.0265% | 2,917 |
| Net loans and leases to total assets | 55.0285% | 4,628 |
| Net loans and leases to deposits | 62.4442% | 4,946 |
| Net loans and leases to core deposits | 63.9290% | 5,217 |
| Total domestic deposits to total assets | 88.1243% | 2,060 |
| Equity capital to assets | 10.7035% | 3,452 |
| Core capital (leverage) ratio | 9.1710% | 4,657 |
| Tier 1 risk-based capital ratio | 16.2676% | 3,021 |
| Total risk-based capital ratio | 17.5292% | 2,987 |
| Memoranda: | ||
| Average total assets | $168,804,330 | 3,520 |
| Average earning assets | $151,206,000 | 3,579 |
| Average equity | $17,900,670 | 3,514 |
| Average total loans | $95,024,000 | 3,692 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 1,489 |
| Cost of funding earning assets | 0.6074% | 5,071 |
| Net interest margin | 4.5248% | 965 |
| Noninterest income to average assets | 1.0786% | 1,238 |
| Noninterest expense to average assets | 3.7585% | 1,281 |
| Loan and lease loss provision to assets | 0.1901% | 3,053 |
| Net operating income to assets | 1.0810% | 2,169 |
| Return on assets (ROA) | 1.0810% | 2,346 |
| Pretax return on assets | 1.1831% | 2,972 |
| Return on Equity (ROE) | 10.2420% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.3962% | 1,823 |
| Net charge-offs to loans | 0.2109% | 2,865 |
| Credit loss provision to net charge-offs | 160.0000% | 1,582 |
| Earnings coverage of net charge-offs (x) | 11.5600% | 1,664 |
| Efficiency ratio | 72.8704% | 3,276 |
| Assets per employee ($millions) | 3.3132% | 5,532 |
| Cash dividends to net income (ytd only)* | 18.0220% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 2,052 |
| Loan loss allowance to noncurrent loans | 116.4336% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 3,154 |
| Noncurrent loans to loans | 1.8213% | 3,377 |
| Net loans and leases to total assets | 54.5755% | 4,624 |
| Net loans and leases to deposits | 61.8986% | 4,935 |
| Net loans and leases to core deposits | 64.1523% | 5,096 |
| Total domestic deposits to total assets | 88.1693% | 2,201 |
| Equity capital to assets | 10.6229% | 3,357 |
| Core capital (leverage) ratio | 9.0043% | 4,835 |
| Tier 1 risk-based capital ratio | 16.2559% | 3,040 |
| Total risk-based capital ratio | 17.5173% | 2,994 |
| Memoranda: | ||
| Average total assets | $168,365,000 | 3,545 |
| Average earning assets | $150,812,000 | 3,603 |
| Average equity | $17,770,000 | 3,533 |
| Average total loans | $94,842,000 | 3,712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4086% | 1,398 |
| Cost of funding earning assets | 0.7325% | 5,324 |
| Net interest margin | 4.6761% | 788 |
| Noninterest income to average assets | 1.1991% | 922 |
| Noninterest expense to average assets | 3.9514% | 1,112 |
| Loan and lease loss provision to assets | 0.4349% | 2,425 |
| Net operating income to assets | 0.7915% | 3,076 |
| Return on assets (ROA) | 0.7915% | 3,242 |
| Pretax return on assets | 0.9286% | 3,520 |
| Return on Equity (ROE) | 8.4018% | 2,717 |
| Retained earnings to average equity (ytd only) | 4.2106% | 3,187 |
| Net charge-offs to loans | 0.5181% | 2,916 |
| Credit loss provision to net charge-offs | 146.0285% | 1,961 |
| Earnings coverage of net charge-offs (x) | 4.5784% | 3,059 |
| Efficiency ratio | 73.9929% | 3,241 |
| Assets per employee ($millions) | 3.2893% | 5,532 |
| Cash dividends to net income (ytd only)* | 49.8851% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 2,100 |
| Loan loss allowance to noncurrent loans | 111.6913% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 3,097 |
| Noncurrent loans to loans | 1.8457% | 3,417 |
| Net loans and leases to total assets | 55.7354% | 4,757 |
| Net loans and leases to deposits | 63.1507% | 5,103 |
| Net loans and leases to core deposits | 65.5315% | 5,320 |
| Total domestic deposits to total assets | 88.2579% | 1,999 |
| Equity capital to assets | 10.4855% | 3,551 |
| Core capital (leverage) ratio | 8.6386% | 5,333 |
| Tier 1 risk-based capital ratio | 15.6667% | 3,228 |
| Total risk-based capital ratio | 16.9070% | 3,189 |
| Memoranda: | ||
| Average total assets | $164,878,800 | 3,571 |
| Average earning assets | $145,120,000 | 3,653 |
| Average equity | $15,532,400 | 3,808 |
| Average total loans | $94,767,000 | 3,750 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 1,178 |
| Cost of funding earning assets | 0.7603% | 5,401 |
| Net interest margin | 4.7723% | 661 |
| Noninterest income to average assets | 1.2224% | 880 |
| Noninterest expense to average assets | 3.9895% | 1,015 |
| Loan and lease loss provision to assets | 0.5214% | 1,899 |
| Net operating income to assets | 0.7440% | 3,413 |
| Return on assets (ROA) | 0.7440% | 3,580 |
| Pretax return on assets | 0.8918% | 3,802 |
| Return on Equity (ROE) | 8.1322% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.0427% | 3,145 |
| Net charge-offs to loans | 0.6075% | 2,429 |
| Credit loss provision to net charge-offs | 148.9559% | 2,112 |
| Earnings coverage of net charge-offs (x) | 4.0371% | 3,201 |
| Efficiency ratio | 73.4967% | 3,277 |
| Assets per employee ($millions) | 3.4471% | 5,126 |
| Cash dividends to net income (ytd only)* | 37.9915% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 2,247 |
| Loan loss allowance to noncurrent loans | 213.9102% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 3,955 |
| Noncurrent loans to loans | 0.9501% | 4,984 |
| Net loans and leases to total assets | 54.6236% | 5,067 |
| Net loans and leases to deposits | 61.5630% | 5,459 |
| Net loans and leases to core deposits | 63.9125% | 5,624 |
| Total domestic deposits to total assets | 88.7280% | 1,596 |
| Equity capital to assets | 9.9248% | 4,441 |
| Core capital (leverage) ratio | 8.6085% | 5,535 |
| Tier 1 risk-based capital ratio | 14.5958% | 3,907 |
| Total risk-based capital ratio | 15.8550% | 3,877 |
| Memoranda: | ||
| Average total assets | $164,159,750 | 3,602 |
| Average earning assets | $143,798,250 | 3,703 |
| Average equity | $15,018,000 | 3,918 |
| Average total loans | $94,592,000 | 3,787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 964 |
| Cost of funding earning assets | 0.7982% | 5,379 |
| Net interest margin | 4.8529% | 551 |
| Noninterest income to average assets | 0.9627% | 1,422 |
| Noninterest expense to average assets | 3.8754% | 1,235 |
| Loan and lease loss provision to assets | 0.5166% | 1,897 |
| Net operating income to assets | 0.7359% | 3,359 |
| Return on assets (ROA) | 0.7359% | 3,479 |
| Pretax return on assets | 0.8189% | 3,952 |
| Return on Equity (ROE) | 8.2949% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.5804% | 3,273 |
| Net charge-offs to loans | 0.4400% | 2,813 |
| Credit loss provision to net charge-offs | 201.4493% | 1,497 |
| Earnings coverage of net charge-offs (x) | 5.2077% | 2,668 |
| Efficiency ratio | 73.9895% | 3,365 |
| Assets per employee ($millions) | 3.0175% | 6,049 |
| Cash dividends to net income (ytd only)* | 44.7811% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 2,234 |
| Loan loss allowance to noncurrent loans | 177.1325% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 3,401 |
| Noncurrent loans to loans | 1.1579% | 4,726 |
| Net loans and leases to total assets | 57.2102% | 4,785 |
| Net loans and leases to deposits | 63.7711% | 5,305 |
| Net loans and leases to core deposits | 65.9885% | 5,518 |
| Total domestic deposits to total assets | 89.7117% | 1,116 |
| Equity capital to assets | 8.9774% | 5,611 |
| Core capital (leverage) ratio | 7.4736% | 6,758 |
| Tier 1 risk-based capital ratio | 12.5122% | 5,336 |
| Total risk-based capital ratio | 13.7721% | 5,299 |
| Memoranda: | ||
| Average total assets | $161,427,670 | 3,667 |
| Average earning assets | $141,318,330 | 3,770 |
| Average equity | $14,322,000 | 4,057 |
| Average total loans | $94,089,330 | 3,836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 1,017 |
| Cost of funding earning assets | 0.8433% | 5,311 |
| Net interest margin | 4.7788% | 594 |
| Noninterest income to average assets | 0.9759% | 1,400 |
| Noninterest expense to average assets | 3.9783% | 1,065 |
| Loan and lease loss provision to assets | 0.4357% | 2,023 |
| Net operating income to assets | 0.6896% | 3,554 |
| Return on assets (ROA) | 0.6896% | 3,626 |
| Pretax return on assets | 0.7519% | 4,090 |
| Return on Equity (ROE) | 7.8199% | 2,996 |
| Retained earnings to average equity (ytd only) | 5.1380% | 3,097 |
| Net charge-offs to loans | 0.0684% | 4,239 |
| Credit loss provision to net charge-offs | 1,093.7500% | 351 |
| Earnings coverage of net charge-offs (x) | 29.8125% | 833 |
| Efficiency ratio | 76.6265% | 3,046 |
| Assets per employee ($millions) | 3.2389% | 5,618 |
| Cash dividends to net income (ytd only)* | 34.2960% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 2,364 |
| Loan loss allowance to noncurrent loans | 96.3996% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 2.4249% | 2,806 |
| Noncurrent loans to loans | 2.0936% | 3,452 |
| Net loans and leases to total assets | 56.9901% | 4,801 |
| Net loans and leases to deposits | 63.5572% | 5,318 |
| Net loans and leases to core deposits | 65.0920% | 5,614 |
| Total domestic deposits to total assets | 89.6674% | 1,380 |
| Equity capital to assets | 8.9080% | 5,333 |
| Core capital (leverage) ratio | 7.4665% | 6,750 |
| Tier 1 risk-based capital ratio | 12.4810% | 5,285 |
| Total risk-based capital ratio | 13.7404% | 5,252 |
| Memoranda: | ||
| Average total assets | $160,670,000 | 3,696 |
| Average earning assets | $140,872,500 | 3,805 |
| Average equity | $14,169,000 | 4,080 |
| Average total loans | $93,548,000 | 3,892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9667% | 911 |
| Cost of funding earning assets | 1.2157% | 4,450 |
| Net interest margin | 4.7510% | 730 |
| Noninterest income to average assets | 0.8802% | 1,920 |
| Noninterest expense to average assets | 3.8431% | 1,411 |
| Loan and lease loss provision to assets | 0.7756% | 2,118 |
| Net operating income to assets | 0.7782% | 2,888 |
| Return on assets (ROA) | 0.7756% | 3,025 |
| Pretax return on assets | 0.4493% | 4,797 |
| Return on Equity (ROE) | 8.6964% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.4835% | 1,561 |
| Net charge-offs to loans | 0.8618% | 2,476 |
| Credit loss provision to net charge-offs | 149.4297% | 2,427 |
| Earnings coverage of net charge-offs (x) | 2.3650% | 3,961 |
| Efficiency ratio | 75.4541% | 3,125 |
| Assets per employee ($millions) | 3.0075% | 6,083 |
| Cash dividends to net income (ytd only)* | 25.4453% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,631 |
| Loan loss allowance to noncurrent loans | 67.0516% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.6782% | 2,605 |
| Noncurrent loans to loans | 2.7965% | 2,728 |
| Net loans and leases to total assets | 57.1915% | 5,152 |
| Net loans and leases to deposits | 63.7124% | 5,659 |
| Net loans and leases to core deposits | 65.6009% | 5,919 |
| Total domestic deposits to total assets | 89.7651% | 1,226 |
| Equity capital to assets | 8.7279% | 5,542 |
| Core capital (leverage) ratio | 7.2318% | 6,890 |
| Tier 1 risk-based capital ratio | 12.4335% | 5,080 |
| Total risk-based capital ratio | 13.6917% | 5,057 |
| Memoranda: | ||
| Average total assets | $152,014,200 | 3,844 |
| Average earning assets | $134,078,000 | 3,928 |
| Average equity | $13,557,400 | 4,246 |
| Average total loans | $91,551,400 | 4,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0989% | 762 |
| Cost of funding earning assets | 1.2770% | 4,389 |
| Net interest margin | 4.8219% | 648 |
| Noninterest income to average assets | 0.8648% | 1,933 |
| Noninterest expense to average assets | 3.4884% | 2,061 |
| Loan and lease loss provision to assets | 0.2664% | 4,449 |
| Net operating income to assets | 1.0536% | 2,061 |
| Return on assets (ROA) | 1.0495% | 2,177 |
| Pretax return on assets | 1.3558% | 2,019 |
| Return on Equity (ROE) | 11.7009% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.7009% | 495 |
| Net charge-offs to loans | 0.1944% | 4,784 |
| Credit loss provision to net charge-offs | 225.5639% | 1,527 |
| Earnings coverage of net charge-offs (x) | 13.7819% | 1,557 |
| Efficiency ratio | 68.1881% | 4,430 |
| Assets per employee ($millions) | 3.0953% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,436 |
| Loan loss allowance to noncurrent loans | 96.2001% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 2.4995% | 2,871 |
| Noncurrent loans to loans | 1.6864% | 4,113 |
| Net loans and leases to total assets | 57.2290% | 5,370 |
| Net loans and leases to deposits | 64.1442% | 5,900 |
| Net loans and leases to core deposits | 66.0559% | 6,120 |
| Total domestic deposits to total assets | 89.2193% | 1,277 |
| Equity capital to assets | 9.1355% | 5,399 |
| Core capital (leverage) ratio | 8.0236% | 6,316 |
| Tier 1 risk-based capital ratio | 13.5473% | 4,162 |
| Total risk-based capital ratio | 14.8023% | 4,107 |
| Memoranda: | ||
| Average total assets | $150,168,750 | 3,921 |
| Average earning assets | $132,393,000 | 4,021 |
| Average equity | $13,468,750 | 4,334 |
| Average total loans | $91,213,500 | 4,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0790% | 793 |
| Cost of funding earning assets | 1.3150% | 4,440 |
| Net interest margin | 4.7640% | 704 |
| Noninterest income to average assets | 0.8364% | 1,934 |
| Noninterest expense to average assets | 3.4154% | 2,222 |
| Loan and lease loss provision to assets | 0.2047% | 4,827 |
| Net operating income to assets | 1.1720% | 1,640 |
| Return on assets (ROA) | 1.1653% | 1,715 |
| Pretax return on assets | 1.4150% | 1,798 |
| Return on Equity (ROE) | 13.0811% | 1,219 |
| Retained earnings to average equity (ytd only) | 13.0811% | 372 |
| Net charge-offs to loans | 0.2765% | 3,951 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 9.5440% | 2,008 |
| Efficiency ratio | 67.7219% | 4,626 |
| Assets per employee ($millions) | 3.2343% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,319 |
| Loan loss allowance to noncurrent loans | 53.4342% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 2,812 |
| Noncurrent loans to loans | 2.6635% | 2,977 |
| Net loans and leases to total assets | 58.9776% | 5,252 |
| Net loans and leases to deposits | 65.8276% | 5,828 |
| Net loans and leases to core deposits | 67.6433% | 6,088 |
| Total domestic deposits to total assets | 89.5940% | 1,131 |
| Equity capital to assets | 8.7778% | 5,781 |
| Core capital (leverage) ratio | 7.8561% | 6,432 |
| Tier 1 risk-based capital ratio | 12.5835% | 4,782 |
| Total risk-based capital ratio | 13.8356% | 4,757 |
| Memoranda: | ||
| Average total assets | $146,573,330 | 4,021 |
| Average earning assets | $129,429,000 | 4,101 |
| Average equity | $13,057,000 | 4,425 |
| Average total loans | $90,407,330 | 4,133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7764% | 1,534 |
| Cost of funding earning assets | 1.2815% | 4,920 |
| Net interest margin | 4.4949% | 1,158 |
| Noninterest income to average assets | 0.8086% | 1,976 |
| Noninterest expense to average assets | 3.3496% | 2,374 |
| Loan and lease loss provision to assets | 0.1727% | 4,795 |
| Net operating income to assets | 1.0762% | 1,907 |
| Return on assets (ROA) | 1.0762% | 1,986 |
| Pretax return on assets | 1.3237% | 1,985 |
| Return on Equity (ROE) | 11.9795% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.9795% | 750 |
| Net charge-offs to loans | 0.0183% | 5,326 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 254 |
| Efficiency ratio | 69.1211% | 4,484 |
| Assets per employee ($millions) | 3.5697% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 4,285 |
| Loan loss allowance to noncurrent loans | 69.1213% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 4,471 |
| Noncurrent loans to loans | 2.0644% | 3,702 |
| Net loans and leases to total assets | 59.2336% | 5,251 |
| Net loans and leases to deposits | 66.0070% | 5,821 |
| Net loans and leases to core deposits | 68.1044% | 6,088 |
| Total domestic deposits to total assets | 89.7384% | 1,121 |
| Equity capital to assets | 8.3567% | 6,218 |
| Core capital (leverage) ratio | 8.7081% | 5,014 |
| Tier 1 risk-based capital ratio | 12.2341% | 4,962 |
| Total risk-based capital ratio | 13.4685% | 4,949 |
| Memoranda: | ||
| Average total assets | $139,003,000 | 4,212 |
| Average earning assets | $124,853,000 | 4,261 |
| Average equity | $12,488,000 | 4,592 |
| Average total loans | $87,235,000 | 4,283 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3869% | 856 |
| Cost of funding earning assets | 1.5584% | 5,237 |
| Net interest margin | 4.8285% | 648 |
| Noninterest income to average assets | 1.0613% | 1,371 |
| Noninterest expense to average assets | 3.8768% | 1,546 |
| Loan and lease loss provision to assets | 0.3879% | 4,464 |
| Net operating income to assets | 0.8954% | 2,190 |
| Return on assets (ROA) | 0.8954% | 2,260 |
| Pretax return on assets | 1.1184% | 2,191 |
| Return on Equity (ROE) | 9.2545% | 1,938 |
| Retained earnings to average equity (ytd only) | 4.6457% | 2,006 |
| Net charge-offs to loans | 0.0564% | 6,535 |
| Credit loss provision to net charge-offs | 1,060.9756% | 277 |
| Earnings coverage of net charge-offs (x) | 41.1951% | 594 |
| Efficiency ratio | 72.0179% | 4,260 |
| Assets per employee ($millions) | 2.8451% | 6,570 |
| Cash dividends to net income (ytd only)* | 49.8008% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 2,603 |
| Loan loss allowance to noncurrent loans | 232.3024% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 5,732 |
| Noncurrent loans to loans | 0.7678% | 5,733 |
| Net loans and leases to total assets | 65.4171% | 4,296 |
| Net loans and leases to deposits | 74.4162% | 4,964 |
| Net loans and leases to core deposits | 100.7784% | 3,925 |
| Total domestic deposits to total assets | 87.9071% | 2,010 |
| Equity capital to assets | 9.8891% | 3,904 |
| Core capital (leverage) ratio | 9.7083% | 3,442 |
| Tier 1 risk-based capital ratio | 14.3591% | 3,285 |
| Total risk-based capital ratio | 15.6155% | 3,232 |
| Memoranda: | ||
| Average total assets | $112,129,200 | 4,776 |
| Average earning assets | $100,362,000 | 4,838 |
| Average equity | $10,848,800 | 5,063 |
| Average total loans | $72,711,000 | 4,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3976% | 930 |
| Cost of funding earning assets | 1.6104% | 5,355 |
| Net interest margin | 4.7872% | 703 |
| Noninterest income to average assets | 0.9417% | 1,809 |
| Noninterest expense to average assets | 3.8026% | 1,581 |
| Loan and lease loss provision to assets | 0.4953% | 3,420 |
| Net operating income to assets | 0.7686% | 2,944 |
| Return on assets (ROA) | 0.7686% | 3,007 |
| Pretax return on assets | 0.9226% | 3,156 |
| Return on Equity (ROE) | 7.9893% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.9893% | 1,138 |
| Net charge-offs to loans | 0.5467% | 3,048 |
| Credit loss provision to net charge-offs | 140.6780% | 3,492 |
| Earnings coverage of net charge-offs (x) | 4.0272% | 3,295 |
| Efficiency ratio | 72.8395% | 4,080 |
| Assets per employee ($millions) | 2.8671% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,369 |
| Loan loss allowance to noncurrent loans | 175.5700% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 5,356 |
| Noncurrent loans to loans | 0.8612% | 5,572 |
| Net loans and leases to total assets | 62.7958% | 5,106 |
| Net loans and leases to deposits | 71.9643% | 5,661 |
| Net loans and leases to core deposits | 93.8341% | 5,029 |
| Total domestic deposits to total assets | 87.2597% | 2,042 |
| Equity capital to assets | 10.2890% | 3,747 |
| Core capital (leverage) ratio | 9.9865% | 3,304 |
| Tier 1 risk-based capital ratio | 14.8535% | 3,108 |
| Total risk-based capital ratio | 16.1062% | 3,051 |
| Memoranda: | ||
| Average total assets | $111,711,000 | 4,812 |
| Average earning assets | $99,846,750 | 4,866 |
| Average equity | $10,747,500 | 5,127 |
| Average total loans | $71,939,250 | 4,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3143% | 1,172 |
| Cost of funding earning assets | 1.6715% | 5,414 |
| Net interest margin | 4.6427% | 888 |
| Noninterest income to average assets | 0.9152% | 1,918 |
| Noninterest expense to average assets | 3.7663% | 1,710 |
| Loan and lease loss provision to assets | 0.4746% | 3,149 |
| Net operating income to assets | 0.6841% | 3,322 |
| Return on assets (ROA) | 0.6841% | 3,438 |
| Pretax return on assets | 0.8328% | 3,563 |
| Return on Equity (ROE) | 7.2797% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.2797% | 1,478 |
| Net charge-offs to loans | 0.5682% | 2,628 |
| Credit loss provision to net charge-offs | 129.2683% | 3,600 |
| Earnings coverage of net charge-offs (x) | 3.5610% | 3,393 |
| Efficiency ratio | 74.2323% | 4,002 |
| Assets per employee ($millions) | 2.7731% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 3,842 |
| Loan loss allowance to noncurrent loans | 138.8813% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 5,062 |
| Noncurrent loans to loans | 0.9928% | 5,219 |
| Net loans and leases to total assets | 64.0425% | 4,972 |
| Net loans and leases to deposits | 72.4946% | 5,668 |
| Net loans and leases to core deposits | 93.1972% | 5,217 |
| Total domestic deposits to total assets | 88.3410% | 1,600 |
| Equity capital to assets | 9.4505% | 4,674 |
| Core capital (leverage) ratio | 9.7038% | 3,625 |
| Tier 1 risk-based capital ratio | 14.0046% | 3,517 |
| Total risk-based capital ratio | 15.2554% | 3,456 |
| Memoranda: | ||
| Average total assets | $111,675,330 | 4,835 |
| Average earning assets | $100,027,330 | 4,893 |
| Average equity | $10,495,000 | 5,215 |
| Average total loans | $72,154,000 | 4,878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3154% | 1,253 |
| Cost of funding earning assets | 1.7426% | 5,399 |
| Net interest margin | 4.5728% | 989 |
| Noninterest income to average assets | 0.8783% | 1,937 |
| Noninterest expense to average assets | 3.6796% | 1,689 |
| Loan and lease loss provision to assets | 0.3795% | 3,049 |
| Net operating income to assets | 0.7121% | 3,498 |
| Return on assets (ROA) | 0.7121% | 3,692 |
| Pretax return on assets | 0.9073% | 3,689 |
| Return on Equity (ROE) | 7.5988% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.5988% | 1,981 |
| Net charge-offs to loans | 0.0841% | 4,326 |
| Credit loss provision to net charge-offs | 700.0000% | 846 |
| Earnings coverage of net charge-offs (x) | 23.7333% | 1,265 |
| Efficiency ratio | 74.0902% | 3,811 |
| Assets per employee ($millions) | 2.7290% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 3,212 |
| Loan loss allowance to noncurrent loans | 89.2675% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 4,294 |
| Noncurrent loans to loans | 1.6285% | 3,834 |
| Net loans and leases to total assets | 63.4913% | 5,074 |
| Net loans and leases to deposits | 71.9424% | 5,751 |
| Net loans and leases to core deposits | 92.7743% | 5,283 |
| Total domestic deposits to total assets | 88.2529% | 1,611 |
| Equity capital to assets | 9.5093% | 4,651 |
| Core capital (leverage) ratio | 9.5889% | 3,880 |
| Tier 1 risk-based capital ratio | 13.9851% | 3,596 |
| Total risk-based capital ratio | 15.2363% | 3,517 |
| Memoranda: | ||
| Average total assets | $110,664,000 | 4,886 |
| Average earning assets | $98,933,500 | 4,945 |
| Average equity | $10,370,000 | 5,274 |
| Average total loans | $71,314,500 | 4,931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8272% | 1,594 |
| Cost of funding earning assets | 2.2248% | 5,481 |
| Net interest margin | 4.6024% | 1,173 |
| Noninterest income to average assets | 1.1122% | 1,265 |
| Noninterest expense to average assets | 3.7501% | 1,856 |
| Loan and lease loss provision to assets | 0.1818% | 5,078 |
| Net operating income to assets | 1.0389% | 2,405 |
| Return on assets (ROA) | 1.0389% | 2,290 |
| Pretax return on assets | 1.3009% | 2,304 |
| Return on Equity (ROE) | 10.4281% | 2,114 |
| Retained earnings to average equity (ytd only) | 5.8370% | 1,598 |
| Net charge-offs to loans | 0.2304% | 3,939 |
| Credit loss provision to net charge-offs | 119.2308% | 4,514 |
| Earnings coverage of net charge-offs (x) | 9.7244% | 2,644 |
| Efficiency ratio | 71.6660% | 4,003 |
| Assets per employee ($millions) | 2.5450% | 7,123 |
| Cash dividends to net income (ytd only)* | 44.0263% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 3,433 |
| Loan loss allowance to noncurrent loans | 78.0130% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 4,030 |
| Noncurrent loans to loans | 1.7409% | 3,157 |
| Net loans and leases to total assets | 63.5818% | 5,356 |
| Net loans and leases to deposits | 72.1274% | 6,046 |
| Net loans and leases to core deposits | 93.4438% | 5,503 |
| Total domestic deposits to total assets | 88.1521% | 1,405 |
| Equity capital to assets | 9.2291% | 5,033 |
| Core capital (leverage) ratio | 9.8579% | 3,584 |
| Tier 1 risk-based capital ratio | 14.0897% | 3,503 |
| Total risk-based capital ratio | 15.3404% | 3,413 |
| Memoranda: | ||
| Average total assets | $102,316,000 | 4,983 |
| Average earning assets | $91,604,800 | 5,041 |
| Average equity | $10,193,600 | 5,351 |
| Average total loans | $67,694,000 | 4,957 |