Home > Community First Bank of the Heartland > Performance and Condition Ratios
Community First Bank of the Heartland, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 1,380 |
| Cost of funding earning assets | 1.0965% | 3,080 |
| Net interest margin | 4.2608% | 856 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.6545% | 1,860 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.9007% | 527 |
| Return on assets (ROA) | 1.9112% | 502 |
| Pretax return on assets | 1.9289% | 745 |
| Return on Equity (ROE) | 20.7400% | 549 |
| Retained earnings to average equity (ytd only) | 5.5908% | 2,380 |
| Net charge-offs to loans | 0.0110% | 2,239 |
| Credit loss provision to net charge-offs | 952.3810% | 429 |
| Earnings coverage of net charge-offs (x) | 241.8095% | 512 |
| Efficiency ratio | 57.0680% | 3,388 |
| Assets per employee ($millions) | 6.2370% | 2,600 |
| Cash dividends to net income (ytd only)* | 73.0453% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,751 |
| Loan loss allowance to noncurrent loans | 1,675.3731% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,391 |
| Noncurrent loans to loans | 0.0666% | 3,236 |
| Net loans and leases to total assets | 75.9000% | 1,131 |
| Net loans and leases to deposits | 84.1586% | 1,766 |
| Net loans and leases to core deposits | 91.7356% | 1,924 |
| Total domestic deposits to total assets | 90.1800% | 714 |
| Equity capital to assets | 9.5529% | 2,311 |
| Core capital (leverage) ratio | 9.5635% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9986% | 2,245 |
| Memoranda: | ||
| Average total assets | $254,288,400 | 2,653 |
| Average earning assets | $231,647,600 | 2,676 |
| Average equity | $23,431,400 | 2,600 |
| Average total loans | $191,226,800 | 2,352 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 1,428 |
| Cost of funding earning assets | 0.9530% | 3,148 |
| Net interest margin | 4.2638% | 846 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.6119% | 1,911 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.9083% | 558 |
| Return on assets (ROA) | 1.9167% | 548 |
| Pretax return on assets | 1.9341% | 828 |
| Return on Equity (ROE) | 21.0000% | 639 |
| Retained earnings to average equity (ytd only) | 4.5035% | 3,102 |
| Net charge-offs to loans | 0.0127% | 1,938 |
| Credit loss provision to net charge-offs | 833.3333% | 450 |
| Earnings coverage of net charge-offs (x) | 210.8333% | 575 |
| Efficiency ratio | 56.5740% | 3,349 |
| Assets per employee ($millions) | 6.0015% | 2,758 |
| Cash dividends to net income (ytd only)* | 78.5557% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,549 |
| Loan loss allowance to noncurrent loans | 1,628.1481% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,392 |
| Noncurrent loans to loans | 0.0715% | 3,246 |
| Net loans and leases to total assets | 74.0300% | 1,335 |
| Net loans and leases to deposits | 81.9409% | 1,903 |
| Net loans and leases to core deposits | 89.3333% | 1,973 |
| Total domestic deposits to total assets | 90.3400% | 852 |
| Equity capital to assets | 9.2766% | 2,238 |
| Core capital (leverage) ratio | 9.4348% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1805% | 2,209 |
| Memoranda: | ||
| Average total assets | $252,372,250 | 2,675 |
| Average earning assets | $229,994,750 | 2,691 |
| Average equity | $23,033,250 | 2,619 |
| Average total loans | $188,769,000 | 2,374 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 1,479 |
| Cost of funding earning assets | 0.8132% | 3,169 |
| Net interest margin | 4.2312% | 888 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.5642% | 2,019 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.9345% | 526 |
| Return on assets (ROA) | 1.9408% | 513 |
| Pretax return on assets | 1.9574% | 792 |
| Return on Equity (ROE) | 21.3800% | 589 |
| Retained earnings to average equity (ytd only) | 1.7455% | 3,770 |
| Net charge-offs to loans | 0.0180% | 1,551 |
| Credit loss provision to net charge-offs | 588.2353% | 583 |
| Earnings coverage of net charge-offs (x) | 150.7647% | 749 |
| Efficiency ratio | 55.8103% | 3,443 |
| Assets per employee ($millions) | 6.0881% | 2,636 |
| Cash dividends to net income (ytd only)* | 91.8367% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,740 |
| Loan loss allowance to noncurrent loans | 633.9233% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 1,917 |
| Noncurrent loans to loans | 0.1803% | 2,577 |
| Net loans and leases to total assets | 72.6800% | 1,452 |
| Net loans and leases to deposits | 80.1816% | 1,959 |
| Net loans and leases to core deposits | 84.9343% | 2,145 |
| Total domestic deposits to total assets | 90.6500% | 745 |
| Equity capital to assets | 9.0383% | 2,494 |
| Core capital (leverage) ratio | 9.3486% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2686% | 2,186 |
| Memoranda: | ||
| Average total assets | $252,475,333 | 2,677 |
| Average earning assets | $229,958,667 | 2,701 |
| Average equity | $22,916,667 | 2,633 |
| Average total loans | $188,761,000 | 2,361 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 1,319 |
| Cost of funding earning assets | 0.7146% | 3,011 |
| Net interest margin | 4.2400% | 887 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.5528% | 2,102 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.9343% | 545 |
| Return on assets (ROA) | 1.9485% | 525 |
| Pretax return on assets | 1.9628% | 832 |
| Return on Equity (ROE) | 21.4200% | 627 |
| Retained earnings to average equity (ytd only) | -7.5024% | 4,414 |
| Net charge-offs to loans | -0.0381% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7257% | 3,430 |
| Assets per employee ($millions) | 6.1397% | 2,643 |
| Cash dividends to net income (ytd only)* | 135.0245% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 2,914 |
| Loan loss allowance to noncurrent loans | 847.4104% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 1,994 |
| Noncurrent loans to loans | 0.1331% | 2,846 |
| Net loans and leases to total assets | 74.0400% | 1,200 |
| Net loans and leases to deposits | 81.6388% | 1,688 |
| Net loans and leases to core deposits | 84.1580% | 1,975 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 9.0165% | 2,507 |
| Core capital (leverage) ratio | 9.0524% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8876% | 2,434 |
| Memoranda: | ||
| Average total assets | $250,863,000 | 2,728 |
| Average earning assets | $228,394,000 | 2,747 |
| Average equity | $22,819,500 | 2,660 |
| Average total loans | $189,142,500 | 2,376 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 1,505 |
| Cost of funding earning assets | 0.2145% | 3,640 |
| Net interest margin | 3.8713% | 1,028 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.5197% | 2,050 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.7222% | 518 |
| Return on assets (ROA) | 1.7218% | 493 |
| Pretax return on assets | 1.7455% | 823 |
| Return on Equity (ROE) | 19.1300% | 556 |
| Retained earnings to average equity (ytd only) | 6.4245% | 2,482 |
| Net charge-offs to loans | 0.0445% | 1,242 |
| Credit loss provision to net charge-offs | 125.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 56.5875% | 1,295 |
| Efficiency ratio | 58.5288% | 3,261 |
| Assets per employee ($millions) | 6.0976% | 2,680 |
| Cash dividends to net income (ytd only)* | 66.4224% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 2,937 |
| Loan loss allowance to noncurrent loans | 3,092.5373% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,333 |
| Noncurrent loans to loans | 0.0353% | 3,528 |
| Net loans and leases to total assets | 75.0800% | 1,124 |
| Net loans and leases to deposits | 83.6932% | 1,489 |
| Net loans and leases to core deposits | 85.0802% | 1,813 |
| Total domestic deposits to total assets | 89.7100% | 1,479 |
| Equity capital to assets | 9.1768% | 2,241 |
| Core capital (leverage) ratio | 9.2304% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0525% | 2,349 |
| Memoranda: | ||
| Average total assets | $253,565,400 | 2,704 |
| Average earning assets | $229,355,200 | 2,741 |
| Average equity | $22,818,800 | 2,716 |
| Average total loans | $179,947,600 | 2,375 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 1,569 |
| Cost of funding earning assets | 0.1543% | 3,807 |
| Net interest margin | 3.7101% | 1,111 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.4182% | 2,262 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.7296% | 494 |
| Return on assets (ROA) | 1.7270% | 487 |
| Pretax return on assets | 1.7522% | 808 |
| Return on Equity (ROE) | 19.2800% | 504 |
| Retained earnings to average equity (ytd only) | 5.8275% | 2,810 |
| Net charge-offs to loans | 0.0593% | 890 |
| Credit loss provision to net charge-offs | 94.9367% | 1,357 |
| Earnings coverage of net charge-offs (x) | 43.3418% | 1,350 |
| Efficiency ratio | 57.4076% | 3,455 |
| Assets per employee ($millions) | 5.8864% | 2,860 |
| Cash dividends to net income (ytd only)* | 69.7816% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,886 |
| Loan loss allowance to noncurrent loans | 9,309.0909% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,511 |
| Noncurrent loans to loans | 0.0121% | 3,853 |
| Net loans and leases to total assets | 72.5200% | 1,229 |
| Net loans and leases to deposits | 79.8198% | 1,585 |
| Net loans and leases to core deposits | 81.2151% | 1,815 |
| Total domestic deposits to total assets | 90.8500% | 1,302 |
| Equity capital to assets | 8.8691% | 2,305 |
| Core capital (leverage) ratio | 9.0589% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4386% | 2,294 |
| Memoranda: | ||
| Average total assets | $254,456,750 | 2,720 |
| Average earning assets | $229,890,750 | 2,762 |
| Average equity | $22,788,000 | 2,754 |
| Average total loans | $177,492,000 | 2,396 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 1,640 |
| Cost of funding earning assets | 0.1339% | 3,786 |
| Net interest margin | 3.5300% | 1,233 |
| Noninterest income to average assets | 1.0044% | 654 |
| Noninterest expense to average assets | 2.3374% | 2,435 |
| Loan and lease loss provision to assets | 0.0389% | 1,888 |
| Net operating income to assets | 1.7813% | 353 |
| Return on assets (ROA) | 1.7737% | 353 |
| Pretax return on assets | 1.8017% | 595 |
| Return on Equity (ROE) | 19.7443% | 326 |
| Retained earnings to average equity (ytd only) | 5.0098% | 2,705 |
| Net charge-offs to loans | 0.0148% | 1,469 |
| Credit loss provision to net charge-offs | 384.6154% | 710 |
| Earnings coverage of net charge-offs (x) | 182.6154% | 568 |
| Efficiency ratio | 55.8408% | 3,793 |
| Assets per employee ($millions) | 6.0073% | 2,738 |
| Cash dividends to net income (ytd only)* | 74.6269% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,370 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.5667% | 1,338 |
| Net loans and leases to deposits | 76.4504% | 1,654 |
| Net loans and leases to core deposits | 77.7557% | 1,871 |
| Total domestic deposits to total assets | 90.9959% | 1,249 |
| Equity capital to assets | 8.7461% | 2,576 |
| Core capital (leverage) ratio | 8.7387% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4355% | 2,319 |
| Memoranda: | ||
| Average total assets | $256,866,333 | 2,730 |
| Average earning assets | $231,504,333 | 2,782 |
| Average equity | $23,075,000 | 2,815 |
| Average total loans | $176,212,000 | 2,407 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 1,870 |
| Cost of funding earning assets | 0.1151% | 3,947 |
| Net interest margin | 3.3648% | 1,390 |
| Noninterest income to average assets | 1.1113% | 549 |
| Noninterest expense to average assets | 2.3153% | 2,443 |
| Loan and lease loss provision to assets | 0.0386% | 1,669 |
| Net operating income to assets | 1.7442% | 370 |
| Return on assets (ROA) | 1.7473% | 368 |
| Pretax return on assets | 1.7843% | 563 |
| Return on Equity (ROE) | 19.2035% | 266 |
| Retained earnings to average equity (ytd only) | -0.3054% | 4,056 |
| Net charge-offs to loans | 0.0091% | 1,417 |
| Credit loss provision to net charge-offs | 625.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 294.7500% | 324 |
| Efficiency ratio | 55.9910% | 3,879 |
| Assets per employee ($millions) | 6.3933% | 2,454 |
| Cash dividends to net income (ytd only)* | 101.5901% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 1,317 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.7979% | 1,234 |
| Net loans and leases to deposits | 76.0855% | 1,436 |
| Net loans and leases to core deposits | 77.1427% | 1,692 |
| Total domestic deposits to total assets | 89.1075% | 2,029 |
| Equity capital to assets | 8.7576% | 2,923 |
| Core capital (leverage) ratio | 8.4877% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9306% | 2,632 |
| Memoranda: | ||
| Average total assets | $259,146,500 | 2,727 |
| Average earning assets | $232,881,500 | 2,782 |
| Average equity | $23,579,000 | 2,863 |
| Average total loans | $175,513,000 | 2,410 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 2,153 |
| Cost of funding earning assets | 0.1715% | 3,761 |
| Net interest margin | 3.5149% | 1,686 |
| Noninterest income to average assets | 1.2831% | 647 |
| Noninterest expense to average assets | 2.4900% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9604% | 367 |
| Return on assets (ROA) | 1.9781% | 376 |
| Pretax return on assets | 2.0005% | 602 |
| Return on Equity (ROE) | 20.0669% | 306 |
| Retained earnings to average equity (ytd only) | 0.9228% | 4,277 |
| Net charge-offs to loans | -0.0292% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6735% | 3,739 |
| Assets per employee ($millions) | 5.9574% | 2,823 |
| Cash dividends to net income (ytd only)* | 95.4014% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,894 |
| Loan loss allowance to noncurrent loans | 1,386.4865% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 1,252 |
| Noncurrent loans to loans | 0.0864% | 3,503 |
| Net loans and leases to total assets | 66.0448% | 1,464 |
| Net loans and leases to deposits | 74.7620% | 1,672 |
| Net loans and leases to core deposits | 75.7417% | 1,941 |
| Total domestic deposits to total assets | 88.3400% | 1,855 |
| Equity capital to assets | 9.4477% | 3,185 |
| Core capital (leverage) ratio | 8.8176% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8901% | 2,281 |
| Memoranda: | ||
| Average total assets | $250,639,800 | 2,722 |
| Average earning assets | $227,431,000 | 2,762 |
| Average equity | $24,707,400 | 2,869 |
| Average total loans | $181,409,200 | 2,376 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 2,173 |
| Cost of funding earning assets | 0.1855% | 3,757 |
| Net interest margin | 3.5543% | 1,721 |
| Noninterest income to average assets | 1.3362% | 664 |
| Noninterest expense to average assets | 2.4017% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1500% | 351 |
| Return on assets (ROA) | 2.1696% | 363 |
| Pretax return on assets | 2.1937% | 550 |
| Return on Equity (ROE) | 21.7763% | 317 |
| Retained earnings to average equity (ytd only) | 9.6962% | 1,413 |
| Net charge-offs to loans | -0.0587% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4901% | 3,984 |
| Assets per employee ($millions) | 5.6430% | 3,046 |
| Cash dividends to net income (ytd only)* | 55.4734% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,986 |
| Loan loss allowance to noncurrent loans | 504.8544% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 1,432 |
| Noncurrent loans to loans | 0.2377% | 2,982 |
| Net loans and leases to total assets | 70.5595% | 1,031 |
| Net loans and leases to deposits | 82.6197% | 1,058 |
| Net loans and leases to core deposits | 83.8026% | 1,439 |
| Total domestic deposits to total assets | 85.4028% | 2,980 |
| Equity capital to assets | 10.6722% | 2,288 |
| Core capital (leverage) ratio | 9.8092% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2685% | 1,874 |
| Memoranda: | ||
| Average total assets | $249,258,000 | 2,752 |
| Average earning assets | $227,176,000 | 2,784 |
| Average equity | $24,833,750 | 2,900 |
| Average total loans | $183,952,250 | 2,395 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 2,064 |
| Cost of funding earning assets | 0.1996% | 3,751 |
| Net interest margin | 3.6015% | 1,592 |
| Noninterest income to average assets | 1.2511% | 747 |
| Noninterest expense to average assets | 2.3145% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1963% | 342 |
| Return on assets (ROA) | 2.2254% | 343 |
| Pretax return on assets | 2.2516% | 522 |
| Return on Equity (ROE) | 22.8598% | 269 |
| Retained earnings to average equity (ytd only) | 8.9707% | 1,719 |
| Net charge-offs to loans | -0.0864% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0168% | 4,143 |
| Assets per employee ($millions) | 5.6240% | 2,991 |
| Cash dividends to net income (ytd only)* | 60.7577% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,085 |
| Loan loss allowance to noncurrent loans | 413.5189% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 1,455 |
| Noncurrent loans to loans | 0.2838% | 2,919 |
| Net loans and leases to total assets | 72.4372% | 913 |
| Net loans and leases to deposits | 84.7361% | 1,009 |
| Net loans and leases to core deposits | 86.1115% | 1,409 |
| Total domestic deposits to total assets | 85.4857% | 2,917 |
| Equity capital to assets | 10.4127% | 2,476 |
| Core capital (leverage) ratio | 9.2702% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9552% | 1,986 |
| Memoranda: | ||
| Average total assets | $251,461,000 | 2,731 |
| Average earning assets | $229,404,000 | 2,768 |
| Average equity | $24,479,667 | 2,910 |
| Average total loans | $187,505,667 | 2,370 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 2,324 |
| Cost of funding earning assets | 0.2175% | 3,752 |
| Net interest margin | 3.5001% | 1,823 |
| Noninterest income to average assets | 1.2955% | 758 |
| Noninterest expense to average assets | 2.3958% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0561% | 527 |
| Return on assets (ROA) | 2.0790% | 546 |
| Pretax return on assets | 2.1133% | 793 |
| Return on Equity (ROE) | 22.0813% | 387 |
| Retained earnings to average equity (ytd only) | 3.0171% | 3,779 |
| Net charge-offs to loans | -0.1744% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4099% | 3,862 |
| Assets per employee ($millions) | 6.0929% | 2,499 |
| Cash dividends to net income (ytd only)* | 86.3363% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,462 |
| Loan loss allowance to noncurrent loans | 209.7684% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,299 |
| Noncurrent loans to loans | 0.5221% | 2,290 |
| Net loans and leases to total assets | 71.8010% | 1,055 |
| Net loans and leases to deposits | 82.7221% | 1,275 |
| Net loans and leases to core deposits | 90.7944% | 1,182 |
| Total domestic deposits to total assets | 86.7978% | 2,391 |
| Equity capital to assets | 9.2162% | 3,481 |
| Core capital (leverage) ratio | 8.6116% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3918% | 2,123 |
| Memoranda: | ||
| Average total assets | $256,276,500 | 2,698 |
| Average earning assets | $233,593,500 | 2,718 |
| Average equity | $24,129,000 | 2,920 |
| Average total loans | $192,631,000 | 2,334 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 1,414 |
| Cost of funding earning assets | 0.4851% | 3,045 |
| Net interest margin | 3.9739% | 1,032 |
| Noninterest income to average assets | 1.1591% | 811 |
| Noninterest expense to average assets | 2.7907% | 1,965 |
| Loan and lease loss provision to assets | 0.2175% | 1,805 |
| Net operating income to assets | 1.7393% | 452 |
| Return on assets (ROA) | 1.7401% | 486 |
| Pretax return on assets | 1.7609% | 746 |
| Return on Equity (ROE) | 18.0338% | 330 |
| Retained earnings to average equity (ytd only) | 6.4966% | 1,594 |
| Net charge-offs to loans | 0.1090% | 1,381 |
| Credit loss provision to net charge-offs | 244.1748% | 1,962 |
| Earnings coverage of net charge-offs (x) | 22.2039% | 1,864 |
| Efficiency ratio | 58.5275% | 3,654 |
| Assets per employee ($millions) | 5.8269% | 2,516 |
| Cash dividends to net income (ytd only)* | 63.9752% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,779 |
| Loan loss allowance to noncurrent loans | 71.9065% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 613 |
| Noncurrent loans to loans | 1.4252% | 940 |
| Net loans and leases to total assets | 77.0540% | 692 |
| Net loans and leases to deposits | 89.0870% | 1,000 |
| Net loans and leases to core deposits | 98.8531% | 964 |
| Total domestic deposits to total assets | 86.4929% | 2,152 |
| Equity capital to assets | 9.6233% | 3,483 |
| Core capital (leverage) ratio | 8.5808% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4557% | 2,470 |
| Memoranda: | ||
| Average total assets | $231,303,600 | 2,706 |
| Average earning assets | $210,071,800 | 2,745 |
| Average equity | $22,319,200 | 2,985 |
| Average total loans | $188,942,800 | 2,336 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,266 |
| Cost of funding earning assets | 0.5489% | 2,937 |
| Net interest margin | 4.0648% | 960 |
| Noninterest income to average assets | 1.0166% | 998 |
| Noninterest expense to average assets | 2.7609% | 2,089 |
| Loan and lease loss provision to assets | 0.1925% | 2,057 |
| Net operating income to assets | 1.7384% | 529 |
| Return on assets (ROA) | 1.7366% | 591 |
| Pretax return on assets | 1.7584% | 851 |
| Return on Equity (ROE) | 17.9838% | 364 |
| Retained earnings to average equity (ytd only) | 5.6390% | 2,269 |
| Net charge-offs to loans | 0.0548% | 1,824 |
| Credit loss provision to net charge-offs | 424.6753% | 1,414 |
| Earnings coverage of net charge-offs (x) | 43.0779% | 1,304 |
| Efficiency ratio | 58.5737% | 3,589 |
| Assets per employee ($millions) | 5.7117% | 2,530 |
| Cash dividends to net income (ytd only)* | 68.6441% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 3,977 |
| Loan loss allowance to noncurrent loans | 65.9682% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 542 |
| Noncurrent loans to loans | 1.4107% | 1,025 |
| Net loans and leases to total assets | 82.6882% | 387 |
| Net loans and leases to deposits | 95.5782% | 788 |
| Net loans and leases to core deposits | 108.3140% | 758 |
| Total domestic deposits to total assets | 86.5137% | 1,857 |
| Equity capital to assets | 9.3572% | 3,811 |
| Core capital (leverage) ratio | 8.6199% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1760% | 2,545 |
| Memoranda: | ||
| Average total assets | $226,490,000 | 2,723 |
| Average earning assets | $205,990,500 | 2,760 |
| Average equity | $21,871,000 | 3,009 |
| Average total loans | $187,412,500 | 2,354 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,075 |
| Cost of funding earning assets | 0.6446% | 2,729 |
| Net interest margin | 4.1963% | 933 |
| Noninterest income to average assets | 0.9697% | 1,038 |
| Noninterest expense to average assets | 2.8596% | 1,945 |
| Loan and lease loss provision to assets | 0.2273% | 1,843 |
| Net operating income to assets | 1.6644% | 659 |
| Return on assets (ROA) | 1.6635% | 722 |
| Pretax return on assets | 1.6882% | 1,024 |
| Return on Equity (ROE) | 17.0241% | 451 |
| Retained earnings to average equity (ytd only) | 3.1891% | 3,309 |
| Net charge-offs to loans | 0.0556% | 1,704 |
| Credit loss provision to net charge-offs | 496.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 41.8200% | 1,214 |
| Efficiency ratio | 59.8733% | 3,423 |
| Assets per employee ($millions) | 5.8437% | 2,325 |
| Cash dividends to net income (ytd only)* | 81.2672% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,869 |
| Loan loss allowance to noncurrent loans | 118.6017% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0076% | 1,190 |
| Noncurrent loans to loans | 0.7867% | 1,924 |
| Net loans and leases to total assets | 80.2805% | 568 |
| Net loans and leases to deposits | 92.6059% | 1,085 |
| Net loans and leases to core deposits | 108.2574% | 804 |
| Total domestic deposits to total assets | 86.6905% | 1,735 |
| Equity capital to assets | 9.1098% | 3,988 |
| Core capital (leverage) ratio | 8.4270% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8795% | 2,659 |
| Memoranda: | ||
| Average total assets | $218,215,333 | 2,771 |
| Average earning assets | $197,937,333 | 2,802 |
| Average equity | $21,322,667 | 3,050 |
| Average total loans | $179,963,667 | 2,398 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 595 |
| Cost of funding earning assets | 0.7867% | 2,466 |
| Net interest margin | 4.4720% | 542 |
| Noninterest income to average assets | 0.8310% | 1,222 |
| Noninterest expense to average assets | 3.0999% | 1,640 |
| Loan and lease loss provision to assets | 0.1388% | 1,998 |
| Net operating income to assets | 1.5965% | 631 |
| Return on assets (ROA) | 1.5946% | 696 |
| Pretax return on assets | 1.6263% | 1,000 |
| Return on Equity (ROE) | 15.6584% | 468 |
| Retained earnings to average equity (ytd only) | -3.8172% | 4,422 |
| Net charge-offs to loans | 0.0690% | 1,337 |
| Credit loss provision to net charge-offs | 241.3793% | 1,307 |
| Earnings coverage of net charge-offs (x) | 30.7241% | 1,166 |
| Efficiency ratio | 63.6919% | 3,282 |
| Assets per employee ($millions) | 4.3615% | 3,458 |
| Cash dividends to net income (ytd only)* | 124.3781% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,600 |
| Loan loss allowance to noncurrent loans | 134.6986% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 1,201 |
| Noncurrent loans to loans | 0.7568% | 2,108 |
| Net loans and leases to total assets | 82.5577% | 389 |
| Net loans and leases to deposits | 96.9489% | 822 |
| Net loans and leases to core deposits | 100.1290% | 1,456 |
| Total domestic deposits to total assets | 85.1559% | 2,349 |
| Equity capital to assets | 10.4371% | 3,376 |
| Core capital (leverage) ratio | 9.9787% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9402% | 2,735 |
| Memoranda: | ||
| Average total assets | $201,683,500 | 2,853 |
| Average earning assets | $182,021,500 | 2,905 |
| Average equity | $20,538,500 | 3,117 |
| Average total loans | $168,131,500 | 2,468 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4480% | 610 |
| Cost of funding earning assets | 0.9145% | 2,137 |
| Net interest margin | 4.5336% | 675 |
| Noninterest income to average assets | 0.9640% | 1,047 |
| Noninterest expense to average assets | 2.9974% | 2,025 |
| Loan and lease loss provision to assets | 0.3069% | 536 |
| Net operating income to assets | 1.7428% | 603 |
| Return on assets (ROA) | 1.7622% | 612 |
| Pretax return on assets | 1.7858% | 974 |
| Return on Equity (ROE) | 18.7491% | 286 |
| Retained earnings to average equity (ytd only) | 10.9192% | 342 |
| Net charge-offs to loans | 0.2865% | 734 |
| Credit loss provision to net charge-offs | 129.4492% | 1,976 |
| Earnings coverage of net charge-offs (x) | 8.7436% | 2,737 |
| Efficiency ratio | 59.1143% | 3,824 |
| Assets per employee ($millions) | 4.3125% | 3,489 |
| Cash dividends to net income (ytd only)* | 41.7617% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,320 |
| Loan loss allowance to noncurrent loans | 133.6999% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 1,094 |
| Noncurrent loans to loans | 0.7702% | 1,975 |
| Net loans and leases to total assets | 82.4607% | 497 |
| Net loans and leases to deposits | 92.0277% | 1,367 |
| Net loans and leases to core deposits | 99.7542% | 1,583 |
| Total domestic deposits to total assets | 89.6041% | 461 |
| Equity capital to assets | 9.9215% | 3,990 |
| Core capital (leverage) ratio | 8.6609% | 4,752 |
| Tier 1 risk-based capital ratio | 10.5799% | 4,998 |
| Total risk-based capital ratio | 11.6097% | 4,998 |
| Memoranda: | ||
| Average total assets | $199,073,000 | 2,847 |
| Average earning assets | $180,322,200 | 2,884 |
| Average equity | $18,710,200 | 3,256 |
| Average total loans | $164,766,400 | 2,463 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 705 |
| Cost of funding earning assets | 0.8996% | 2,238 |
| Net interest margin | 4.4953% | 777 |
| Noninterest income to average assets | 0.9141% | 1,115 |
| Noninterest expense to average assets | 2.8594% | 2,378 |
| Loan and lease loss provision to assets | 0.1472% | 1,294 |
| Net operating income to assets | 1.9556% | 434 |
| Return on assets (ROA) | 1.9814% | 425 |
| Pretax return on assets | 2.0062% | 672 |
| Return on Equity (ROE) | 21.3778% | 185 |
| Retained earnings to average equity (ytd only) | 14.3385% | 189 |
| Net charge-offs to loans | 0.0462% | 2,175 |
| Credit loss provision to net charge-offs | 385.9649% | 786 |
| Earnings coverage of net charge-offs (x) | 55.7705% | 1,112 |
| Efficiency ratio | 57.3403% | 4,023 |
| Assets per employee ($millions) | 4.4219% | 3,314 |
| Cash dividends to net income (ytd only)* | 32.9281% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,329 |
| Loan loss allowance to noncurrent loans | 92.7458% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9346% | 1,444 |
| Noncurrent loans to loans | 1.1251% | 1,413 |
| Net loans and leases to total assets | 80.4664% | 785 |
| Net loans and leases to deposits | 90.0659% | 1,686 |
| Net loans and leases to core deposits | 100.6048% | 1,614 |
| Total domestic deposits to total assets | 89.3416% | 506 |
| Equity capital to assets | 9.6456% | 4,340 |
| Core capital (leverage) ratio | 8.8151% | 4,765 |
| Tier 1 risk-based capital ratio | 10.6530% | 5,036 |
| Total risk-based capital ratio | 11.7074% | 5,013 |
| Memoranda: | ||
| Average total assets | $199,247,000 | 2,869 |
| Average earning assets | $180,510,250 | 2,903 |
| Average equity | $18,467,250 | 3,304 |
| Average total loans | $164,636,750 | 2,485 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3963% | 688 |
| Cost of funding earning assets | 0.8659% | 2,320 |
| Net interest margin | 4.5304% | 713 |
| Noninterest income to average assets | 0.9279% | 1,014 |
| Noninterest expense to average assets | 2.8465% | 2,422 |
| Loan and lease loss provision to assets | 0.1557% | 1,168 |
| Net operating income to assets | 2.0048% | 386 |
| Return on assets (ROA) | 2.0439% | 374 |
| Pretax return on assets | 2.0691% | 594 |
| Return on Equity (ROE) | 22.3635% | 155 |
| Retained earnings to average equity (ytd only) | 17.3865% | 98 |
| Net charge-offs to loans | -0.0110% | 4,351 |
| Credit loss provision to net charge-offs | -1,711.1111% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5689% | 4,180 |
| Assets per employee ($millions) | 4.5511% | 3,062 |
| Cash dividends to net income (ytd only)* | 22.2552% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,424 |
| Loan loss allowance to noncurrent loans | 91.2745% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 1,430 |
| Noncurrent loans to loans | 1.1327% | 1,437 |
| Net loans and leases to total assets | 82.5116% | 536 |
| Net loans and leases to deposits | 92.8143% | 1,400 |
| Net loans and leases to core deposits | 103.9144% | 1,390 |
| Total domestic deposits to total assets | 88.8997% | 707 |
| Equity capital to assets | 9.5307% | 4,375 |
| Core capital (leverage) ratio | 8.6962% | 4,846 |
| Tier 1 risk-based capital ratio | 10.2368% | 5,187 |
| Total risk-based capital ratio | 11.2734% | 5,166 |
| Memoranda: | ||
| Average total assets | $197,860,000 | 2,889 |
| Average earning assets | $179,235,330 | 2,924 |
| Average equity | $18,083,000 | 3,341 |
| Average total loans | $164,382,000 | 2,492 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 708 |
| Cost of funding earning assets | 0.8261% | 2,391 |
| Net interest margin | 4.5098% | 726 |
| Noninterest income to average assets | 0.9498% | 916 |
| Noninterest expense to average assets | 2.8190% | 2,504 |
| Loan and lease loss provision to assets | 0.1790% | 931 |
| Net operating income to assets | 2.0075% | 382 |
| Return on assets (ROA) | 2.0075% | 399 |
| Pretax return on assets | 2.0380% | 598 |
| Return on Equity (ROE) | 22.4548% | 162 |
| Retained earnings to average equity (ytd only) | 22.4548% | 67 |
| Net charge-offs to loans | -0.0515% | 4,839 |
| Credit loss provision to net charge-offs | -419.0476% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9774% | 4,336 |
| Assets per employee ($millions) | 4.5620% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,625 |
| Loan loss allowance to noncurrent loans | 90.7659% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 1,502 |
| Noncurrent loans to loans | 1.1136% | 1,504 |
| Net loans and leases to total assets | 81.5276% | 644 |
| Net loans and leases to deposits | 90.0565% | 1,617 |
| Net loans and leases to core deposits | 100.9406% | 1,539 |
| Total domestic deposits to total assets | 90.5294% | 277 |
| Equity capital to assets | 9.1274% | 4,592 |
| Core capital (leverage) ratio | 8.4622% | 5,030 |
| Tier 1 risk-based capital ratio | 10.1228% | 5,261 |
| Total risk-based capital ratio | 11.1504% | 5,259 |
| Memoranda: | ||
| Average total assets | $196,666,500 | 2,935 |
| Average earning assets | $178,189,500 | 2,970 |
| Average equity | $17,582,000 | 3,401 |
| Average total loans | $163,096,500 | 2,532 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 765 |
| Cost of funding earning assets | 0.6621% | 2,307 |
| Net interest margin | 4.4895% | 780 |
| Noninterest income to average assets | 0.8786% | 1,233 |
| Noninterest expense to average assets | 3.1431% | 1,691 |
| Loan and lease loss provision to assets | 0.1162% | 1,896 |
| Net operating income to assets | 1.6323% | 806 |
| Return on assets (ROA) | 1.6339% | 798 |
| Pretax return on assets | 1.6545% | 1,298 |
| Return on Equity (ROE) | 18.4514% | 350 |
| Retained earnings to average equity (ytd only) | 5.0522% | 2,735 |
| Net charge-offs to loans | 0.0067% | 3,448 |
| Credit loss provision to net charge-offs | 2,150.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 327.4000% | 309 |
| Efficiency ratio | 63.9864% | 3,197 |
| Assets per employee ($millions) | 4.2802% | 3,491 |
| Cash dividends to net income (ytd only)* | 72.6190% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,857 |
| Loan loss allowance to noncurrent loans | 82.4274% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 1,367 |
| Noncurrent loans to loans | 1.1779% | 1,368 |
| Net loans and leases to total assets | 82.7140% | 557 |
| Net loans and leases to deposits | 92.1918% | 1,524 |
| Net loans and leases to core deposits | 101.1068% | 1,633 |
| Total domestic deposits to total assets | 89.7195% | 567 |
| Equity capital to assets | 8.7447% | 4,771 |
| Core capital (leverage) ratio | 8.0007% | 5,234 |
| Tier 1 risk-based capital ratio | 9.5724% | 5,365 |
| Total risk-based capital ratio | 10.5588% | 5,367 |
| Memoranda: | ||
| Average total assets | $185,074,200 | 3,002 |
| Average earning assets | $166,277,600 | 3,063 |
| Average equity | $16,389,000 | 3,475 |
| Average total loans | $149,691,000 | 2,644 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 764 |
| Cost of funding earning assets | 0.6401% | 2,205 |
| Net interest margin | 4.4545% | 812 |
| Noninterest income to average assets | 0.8719% | 1,283 |
| Noninterest expense to average assets | 3.0430% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8057% | 592 |
| Return on assets (ROA) | 1.8079% | 595 |
| Pretax return on assets | 1.8276% | 950 |
| Return on Equity (ROE) | 20.3491% | 251 |
| Retained earnings to average equity (ytd only) | 9.2898% | 1,122 |
| Net charge-offs to loans | 0.0036% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 627.3771% | 140 |
| Efficiency ratio | 62.5056% | 3,428 |
| Assets per employee ($millions) | 4.1948% | 3,581 |
| Cash dividends to net income (ytd only)* | 54.3479% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 4,388 |
| Loan loss allowance to noncurrent loans | 66.6339% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 1,178 |
| Noncurrent loans to loans | 1.2986% | 1,288 |
| Net loans and leases to total assets | 82.1743% | 685 |
| Net loans and leases to deposits | 91.1713% | 1,733 |
| Net loans and leases to core deposits | 99.5399% | 1,830 |
| Total domestic deposits to total assets | 90.1317% | 468 |
| Equity capital to assets | 8.8808% | 4,654 |
| Core capital (leverage) ratio | 8.1469% | 5,276 |
| Tier 1 risk-based capital ratio | 9.8446% | 5,408 |
| Total risk-based capital ratio | 10.7248% | 5,422 |
| Memoranda: | ||
| Average total assets | $183,191,000 | 3,044 |
| Average earning assets | $164,354,000 | 3,105 |
| Average equity | $16,275,500 | 3,511 |
| Average total loans | $146,895,000 | 2,693 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 771 |
| Cost of funding earning assets | 0.6139% | 2,141 |
| Net interest margin | 4.4155% | 825 |
| Noninterest income to average assets | 0.8779% | 1,246 |
| Noninterest expense to average assets | 3.0607% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7493% | 655 |
| Return on assets (ROA) | 1.7493% | 657 |
| Pretax return on assets | 1.7680% | 1,038 |
| Return on Equity (ROE) | 19.6864% | 286 |
| Retained earnings to average equity (ytd only) | 8.5150% | 1,401 |
| Net charge-offs to loans | -0.0167% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3851% | 3,400 |
| Assets per employee ($millions) | 4.0540% | 3,808 |
| Cash dividends to net income (ytd only)* | 56.7465% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,255 |
| Loan loss allowance to noncurrent loans | 453.6424% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,678 |
| Noncurrent loans to loans | 0.2026% | 3,994 |
| Net loans and leases to total assets | 79.2095% | 1,127 |
| Net loans and leases to deposits | 87.1206% | 2,204 |
| Net loans and leases to core deposits | 94.5793% | 2,174 |
| Total domestic deposits to total assets | 90.9193% | 267 |
| Equity capital to assets | 8.8034% | 4,712 |
| Core capital (leverage) ratio | 8.0328% | 5,336 |
| Tier 1 risk-based capital ratio | 10.0417% | 5,424 |
| Total risk-based capital ratio | 10.9806% | 5,438 |
| Memoranda: | ||
| Average total assets | $181,332,330 | 3,079 |
| Average earning assets | $162,247,670 | 3,161 |
| Average equity | $16,112,670 | 3,548 |
| Average total loans | $143,702,670 | 2,752 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 708 |
| Cost of funding earning assets | 0.5829% | 2,151 |
| Net interest margin | 4.4107% | 753 |
| Noninterest income to average assets | 0.8637% | 1,251 |
| Noninterest expense to average assets | 3.1574% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6380% | 784 |
| Return on assets (ROA) | 1.6380% | 785 |
| Pretax return on assets | 1.6514% | 1,239 |
| Return on Equity (ROE) | 18.3453% | 375 |
| Retained earnings to average equity (ytd only) | 6.4409% | 2,531 |
| Net charge-offs to loans | -0.0142% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6584% | 3,226 |
| Assets per employee ($millions) | 3.9818% | 4,010 |
| Cash dividends to net income (ytd only)* | 64.8907% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 4,156 |
| Loan loss allowance to noncurrent loans | 234.5955% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 3,067 |
| Noncurrent loans to loans | 0.4102% | 3,308 |
| Net loans and leases to total assets | 76.5800% | 1,441 |
| Net loans and leases to deposits | 84.0980% | 2,381 |
| Net loans and leases to core deposits | 94.9604% | 2,061 |
| Total domestic deposits to total assets | 91.0605% | 301 |
| Equity capital to assets | 8.7310% | 4,801 |
| Core capital (leverage) ratio | 8.0509% | 5,379 |
| Tier 1 risk-based capital ratio | 10.2195% | 5,438 |
| Total risk-based capital ratio | 11.1973% | 5,458 |
| Memoranda: | ||
| Average total assets | $178,756,500 | 3,139 |
| Average earning assets | $159,885,000 | 3,221 |
| Average equity | $15,960,500 | 3,597 |
| Average total loans | $141,012,500 | 2,802 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 830 |
| Cost of funding earning assets | 0.3341% | 3,838 |
| Net interest margin | 4.5486% | 553 |
| Noninterest income to average assets | 1.0345% | 950 |
| Noninterest expense to average assets | 3.2822% | 1,411 |
| Loan and lease loss provision to assets | 0.1297% | 1,768 |
| Net operating income to assets | 1.6388% | 601 |
| Return on assets (ROA) | 1.6399% | 616 |
| Pretax return on assets | 1.6509% | 1,152 |
| Return on Equity (ROE) | 17.7766% | 326 |
| Retained earnings to average equity (ytd only) | 2.9628% | 3,526 |
| Net charge-offs to loans | 0.3998% | 625 |
| Credit loss provision to net charge-offs | 41.5896% | 3,426 |
| Earnings coverage of net charge-offs (x) | 5.7043% | 3,284 |
| Efficiency ratio | 64.8439% | 3,473 |
| Assets per employee ($millions) | 3.7096% | 4,419 |
| Cash dividends to net income (ytd only)* | 83.3333% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 4,116 |
| Loan loss allowance to noncurrent loans | 329.6117% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 3,169 |
| Noncurrent loans to loans | 0.2935% | 3,729 |
| Net loans and leases to total assets | 79.7464% | 996 |
| Net loans and leases to deposits | 88.4769% | 1,959 |
| Net loans and leases to core deposits | 95.4826% | 2,077 |
| Total domestic deposits to total assets | 90.1324% | 526 |
| Equity capital to assets | 9.1363% | 4,589 |
| Core capital (leverage) ratio | 8.1242% | 5,393 |
| Tier 1 risk-based capital ratio | 10.1524% | 5,496 |
| Total risk-based capital ratio | 11.1364% | 5,515 |
| Memoranda: | ||
| Average total assets | $173,421,200 | 3,202 |
| Average earning assets | $153,541,400 | 3,276 |
| Average equity | $15,998,600 | 3,594 |
| Average total loans | $135,332,000 | 2,844 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 846 |
| Cost of funding earning assets | 0.3266% | 3,875 |
| Net interest margin | 4.5196% | 575 |
| Noninterest income to average assets | 0.9931% | 1,043 |
| Noninterest expense to average assets | 3.1141% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8561% | 421 |
| Return on assets (ROA) | 1.8538% | 431 |
| Pretax return on assets | 1.8723% | 741 |
| Return on Equity (ROE) | 20.0461% | 221 |
| Retained earnings to average equity (ytd only) | 9.0574% | 822 |
| Net charge-offs to loans | 0.0448% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 54.1098% | 1,065 |
| Efficiency ratio | 62.4228% | 3,820 |
| Assets per employee ($millions) | 3.6357% | 4,537 |
| Cash dividends to net income (ytd only)* | 54.8173% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 3,005 |
| Loan loss allowance to noncurrent loans | 175.1613% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 2,622 |
| Noncurrent loans to loans | 0.6777% | 2,674 |
| Net loans and leases to total assets | 77.6962% | 1,315 |
| Net loans and leases to deposits | 88.3564% | 2,008 |
| Net loans and leases to core deposits | 95.0395% | 2,165 |
| Total domestic deposits to total assets | 87.9350% | 1,404 |
| Equity capital to assets | 9.5655% | 4,382 |
| Core capital (leverage) ratio | 8.5931% | 5,172 |
| Tier 1 risk-based capital ratio | 10.8599% | 5,313 |
| Total risk-based capital ratio | 12.0685% | 5,250 |
| Memoranda: | ||
| Average total assets | $173,189,250 | 3,229 |
| Average earning assets | $153,106,250 | 3,311 |
| Average equity | $16,016,000 | 3,626 |
| Average total loans | $134,066,250 | 2,880 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 920 |
| Cost of funding earning assets | 0.3148% | 3,932 |
| Net interest margin | 4.4553% | 628 |
| Noninterest income to average assets | 1.0003% | 1,017 |
| Noninterest expense to average assets | 3.0576% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8651% | 399 |
| Return on assets (ROA) | 1.8617% | 412 |
| Pretax return on assets | 1.8721% | 708 |
| Return on Equity (ROE) | 20.3669% | 204 |
| Retained earnings to average equity (ytd only) | 9.2208% | 781 |
| Net charge-offs to loans | 0.0481% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 50.6250% | 1,065 |
| Efficiency ratio | 61.9808% | 3,990 |
| Assets per employee ($millions) | 3.7660% | 4,330 |
| Cash dividends to net income (ytd only)* | 54.7264% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,912 |
| Loan loss allowance to noncurrent loans | 586.4286% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 3,997 |
| Noncurrent loans to loans | 0.2075% | 4,291 |
| Net loans and leases to total assets | 76.9289% | 1,393 |
| Net loans and leases to deposits | 85.1726% | 2,333 |
| Net loans and leases to core deposits | 91.4761% | 2,376 |
| Total domestic deposits to total assets | 90.3212% | 420 |
| Equity capital to assets | 9.4341% | 4,478 |
| Core capital (leverage) ratio | 8.4336% | 5,263 |
| Tier 1 risk-based capital ratio | 10.7816% | 5,348 |
| Total risk-based capital ratio | 12.0208% | 5,282 |
| Memoranda: | ||
| Average total assets | $172,748,000 | 3,251 |
| Average earning assets | $152,492,330 | 3,338 |
| Average equity | $15,790,330 | 3,664 |
| Average total loans | $133,015,330 | 2,893 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 878 |
| Cost of funding earning assets | 0.3162% | 3,892 |
| Net interest margin | 4.4183% | 618 |
| Noninterest income to average assets | 1.0690% | 875 |
| Noninterest expense to average assets | 3.0724% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8991% | 365 |
| Return on assets (ROA) | 1.8991% | 380 |
| Pretax return on assets | 1.8852% | 663 |
| Return on Equity (ROE) | 21.1164% | 186 |
| Retained earnings to average equity (ytd only) | 9.7718% | 868 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9738% | 4,147 |
| Assets per employee ($millions) | 3.6800% | 4,538 |
| Cash dividends to net income (ytd only)* | 53.7241% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,710 |
| Loan loss allowance to noncurrent loans | 620.0000% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 3,859 |
| Noncurrent loans to loans | 0.2042% | 4,386 |
| Net loans and leases to total assets | 75.4721% | 1,504 |
| Net loans and leases to deposits | 83.2035% | 2,372 |
| Net loans and leases to core deposits | 91.4702% | 2,220 |
| Total domestic deposits to total assets | 90.7078% | 389 |
| Equity capital to assets | 9.0852% | 4,723 |
| Core capital (leverage) ratio | 8.2411% | 5,410 |
| Tier 1 risk-based capital ratio | 10.6720% | 5,469 |
| Total risk-based capital ratio | 11.9217% | 5,390 |
| Memoranda: | ||
| Average total assets | $172,505,000 | 3,285 |
| Average earning assets | $151,822,000 | 3,377 |
| Average equity | $15,514,000 | 3,723 |
| Average total loans | $132,068,500 | 2,932 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 834 |
| Cost of funding earning assets | 0.2979% | 4,086 |
| Net interest margin | 4.5346% | 575 |
| Noninterest income to average assets | 0.9834% | 1,189 |
| Noninterest expense to average assets | 3.3283% | 1,520 |
| Loan and lease loss provision to assets | 0.0579% | 3,228 |
| Net operating income to assets | 1.5883% | 699 |
| Return on assets (ROA) | 1.5977% | 710 |
| Pretax return on assets | 1.6172% | 1,225 |
| Return on Equity (ROE) | 17.0004% | 405 |
| Retained earnings to average equity (ytd only) | 2.3254% | 4,203 |
| Net charge-offs to loans | 0.1511% | 1,748 |
| Credit loss provision to net charge-offs | 48.0392% | 3,405 |
| Earnings coverage of net charge-offs (x) | 13.8235% | 2,341 |
| Efficiency ratio | 65.1804% | 3,734 |
| Assets per employee ($millions) | 3.7402% | 4,408 |
| Cash dividends to net income (ytd only)* | 86.3216% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,711 |
| Loan loss allowance to noncurrent loans | 521.4953% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 3,785 |
| Noncurrent loans to loans | 0.2433% | 4,277 |
| Net loans and leases to total assets | 75.7062% | 1,559 |
| Net loans and leases to deposits | 83.5564% | 2,472 |
| Net loans and leases to core deposits | 93.0358% | 2,208 |
| Total domestic deposits to total assets | 90.6049% | 416 |
| Equity capital to assets | 8.9010% | 4,906 |
| Core capital (leverage) ratio | 7.9509% | 5,640 |
| Tier 1 risk-based capital ratio | 10.2831% | 5,663 |
| Total risk-based capital ratio | 11.5331% | 5,604 |
| Memoranda: | ||
| Average total assets | $169,307,800 | 3,292 |
| Average earning assets | $149,736,600 | 3,373 |
| Average equity | $15,911,400 | 3,701 |
| Average total loans | $134,979,600 | 2,845 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 815 |
| Cost of funding earning assets | 0.2897% | 4,211 |
| Net interest margin | 4.5574% | 549 |
| Noninterest income to average assets | 0.9765% | 1,196 |
| Noninterest expense to average assets | 3.1399% | 1,929 |
| Loan and lease loss provision to assets | 0.0775% | 2,674 |
| Net operating income to assets | 1.7879% | 501 |
| Return on assets (ROA) | 1.8004% | 521 |
| Pretax return on assets | 1.8147% | 874 |
| Return on Equity (ROE) | 18.9027% | 298 |
| Retained earnings to average equity (ytd only) | 7.9446% | 1,195 |
| Net charge-offs to loans | 0.0304% | 3,043 |
| Credit loss provision to net charge-offs | 316.1290% | 992 |
| Earnings coverage of net charge-offs (x) | 76.6816% | 811 |
| Efficiency ratio | 61.2791% | 4,337 |
| Assets per employee ($millions) | 3.7518% | 4,387 |
| Cash dividends to net income (ytd only)* | 57.9712% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 2,336 |
| Loan loss allowance to noncurrent loans | 393.8166% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 4,146 |
| Noncurrent loans to loans | 0.3482% | 4,004 |
| Net loans and leases to total assets | 78.6920% | 1,083 |
| Net loans and leases to deposits | 87.4043% | 2,093 |
| Net loans and leases to core deposits | 94.6033% | 2,142 |
| Total domestic deposits to total assets | 90.0322% | 472 |
| Equity capital to assets | 9.7665% | 4,403 |
| Core capital (leverage) ratio | 8.4752% | 5,383 |
| Tier 1 risk-based capital ratio | 10.6444% | 5,551 |
| Total risk-based capital ratio | 11.8958% | 5,469 |
| Memoranda: | ||
| Average total assets | $168,622,750 | 3,320 |
| Average earning assets | $149,583,750 | 3,392 |
| Average equity | $16,060,750 | 3,715 |
| Average total loans | $135,743,250 | 2,842 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 840 |
| Cost of funding earning assets | 0.2826% | 4,321 |
| Net interest margin | 4.5441% | 563 |
| Noninterest income to average assets | 0.9433% | 1,258 |
| Noninterest expense to average assets | 3.0922% | 2,087 |
| Loan and lease loss provision to assets | 0.1163% | 1,949 |
| Net operating income to assets | 1.7763% | 495 |
| Return on assets (ROA) | 1.7953% | 505 |
| Pretax return on assets | 1.7988% | 882 |
| Return on Equity (ROE) | 19.0099% | 295 |
| Retained earnings to average equity (ytd only) | 7.9533% | 1,183 |
| Net charge-offs to loans | 0.0353% | 2,745 |
| Credit loss provision to net charge-offs | 408.3333% | 766 |
| Earnings coverage of net charge-offs (x) | 66.5833% | 811 |
| Efficiency ratio | 61.0847% | 4,499 |
| Assets per employee ($millions) | 3.8499% | 4,168 |
| Cash dividends to net income (ytd only)* | 58.1626% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,342 |
| Loan loss allowance to noncurrent loans | 390.3158% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 4,285 |
| Noncurrent loans to loans | 0.3562% | 4,093 |
| Net loans and leases to total assets | 77.6289% | 1,248 |
| Net loans and leases to deposits | 86.1116% | 2,238 |
| Net loans and leases to core deposits | 92.4943% | 2,311 |
| Total domestic deposits to total assets | 90.1492% | 430 |
| Equity capital to assets | 9.5917% | 4,681 |
| Core capital (leverage) ratio | 8.3799% | 5,463 |
| Tier 1 risk-based capital ratio | 10.5320% | 5,662 |
| Total risk-based capital ratio | 11.7840% | 5,570 |
| Memoranda: | ||
| Average total assets | $168,552,670 | 3,335 |
| Average earning assets | $150,040,330 | 3,401 |
| Average equity | $15,918,000 | 3,747 |
| Average total loans | $136,089,330 | 2,843 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 728 |
| Cost of funding earning assets | 0.2780% | 4,414 |
| Net interest margin | 4.5956% | 504 |
| Noninterest income to average assets | 0.9469% | 1,188 |
| Noninterest expense to average assets | 3.1000% | 2,104 |
| Loan and lease loss provision to assets | 0.1404% | 1,499 |
| Net operating income to assets | 1.8176% | 456 |
| Return on assets (ROA) | 1.8176% | 487 |
| Pretax return on assets | 1.7962% | 859 |
| Return on Equity (ROE) | 19.3995% | 272 |
| Retained earnings to average equity (ytd only) | 8.2270% | 1,364 |
| Net charge-offs to loans | 0.0611% | 1,886 |
| Credit loss provision to net charge-offs | 280.9524% | 890 |
| Earnings coverage of net charge-offs (x) | 38.7619% | 1,023 |
| Efficiency ratio | 60.6519% | 4,658 |
| Assets per employee ($millions) | 3.9827% | 3,976 |
| Cash dividends to net income (ytd only)* | 57.5916% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,781 |
| Loan loss allowance to noncurrent loans | 418.8940% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 4,429 |
| Noncurrent loans to loans | 0.3159% | 4,300 |
| Net loans and leases to total assets | 81.0375% | 680 |
| Net loans and leases to deposits | 92.1991% | 1,321 |
| Net loans and leases to core deposits | 97.8574% | 1,646 |
| Total domestic deposits to total assets | 87.8940% | 1,698 |
| Equity capital to assets | 9.5168% | 4,653 |
| Core capital (leverage) ratio | 8.1327% | 5,700 |
| Tier 1 risk-based capital ratio | 10.0341% | 5,905 |
| Total risk-based capital ratio | 11.2853% | 5,850 |
| Memoranda: | ||
| Average total assets | $168,130,500 | 3,357 |
| Average earning assets | $149,622,000 | 3,425 |
| Average equity | $15,753,000 | 3,773 |
| Average total loans | $137,456,500 | 2,833 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 861 |
| Cost of funding earning assets | 0.2307% | 5,005 |
| Net interest margin | 4.6117% | 533 |
| Noninterest income to average assets | 1.0088% | 1,162 |
| Noninterest expense to average assets | 3.1817% | 2,006 |
| Loan and lease loss provision to assets | 0.0714% | 2,845 |
| Net operating income to assets | 1.8369% | 457 |
| Return on assets (ROA) | 1.8445% | 460 |
| Pretax return on assets | 1.8772% | 687 |
| Return on Equity (ROE) | 19.5440% | 271 |
| Retained earnings to average equity (ytd only) | 1.2605% | 4,997 |
| Net charge-offs to loans | 0.1101% | 2,276 |
| Credit loss provision to net charge-offs | 80.5369% | 2,938 |
| Earnings coverage of net charge-offs (x) | 21.8993% | 1,791 |
| Efficiency ratio | 61.2169% | 4,730 |
| Assets per employee ($millions) | 4.0235% | 3,901 |
| Cash dividends to net income (ytd only)* | 93.5505% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,943 |
| Loan loss allowance to noncurrent loans | 409.1954% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,947 |
| Noncurrent loans to loans | 0.3163% | 4,330 |
| Net loans and leases to total assets | 80.3378% | 795 |
| Net loans and leases to deposits | 98.3426% | 792 |
| Net loans and leases to core deposits | 104.2559% | 1,208 |
| Total domestic deposits to total assets | 81.6917% | 4,266 |
| Equity capital to assets | 9.2237% | 4,875 |
| Core capital (leverage) ratio | 7.9060% | 5,878 |
| Tier 1 risk-based capital ratio | 9.8884% | 5,973 |
| Total risk-based capital ratio | 11.1393% | 5,937 |
| Memoranda: | ||
| Average total assets | $168,119,400 | 3,332 |
| Average earning assets | $149,967,800 | 3,403 |
| Average equity | $15,866,800 | 3,698 |
| Average total loans | $135,288,000 | 2,796 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 892 |
| Cost of funding earning assets | 0.2250% | 5,136 |
| Net interest margin | 4.6007% | 541 |
| Noninterest income to average assets | 1.0117% | 1,159 |
| Noninterest expense to average assets | 3.0827% | 2,265 |
| Loan and lease loss provision to assets | 0.0675% | 2,828 |
| Net operating income to assets | 1.9409% | 397 |
| Return on assets (ROA) | 1.9511% | 408 |
| Pretax return on assets | 1.9805% | 621 |
| Return on Equity (ROE) | 20.5558% | 242 |
| Retained earnings to average equity (ytd only) | 8.6674% | 1,016 |
| Net charge-offs to loans | 0.0614% | 2,717 |
| Credit loss provision to net charge-offs | 137.0968% | 1,797 |
| Earnings coverage of net charge-offs (x) | 41.3894% | 1,210 |
| Efficiency ratio | 59.3052% | 4,969 |
| Assets per employee ($millions) | 3.7845% | 4,295 |
| Cash dividends to net income (ytd only)* | 57.8347% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,785 |
| Loan loss allowance to noncurrent loans | 317.5043% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 3,813 |
| Noncurrent loans to loans | 0.4285% | 4,067 |
| Net loans and leases to total assets | 79.7641% | 851 |
| Net loans and leases to deposits | 97.2399% | 886 |
| Net loans and leases to core deposits | 103.5448% | 1,264 |
| Total domestic deposits to total assets | 82.0282% | 4,151 |
| Equity capital to assets | 9.8591% | 4,331 |
| Core capital (leverage) ratio | 8.5180% | 5,541 |
| Tier 1 risk-based capital ratio | 10.5815% | 5,846 |
| Total risk-based capital ratio | 11.8330% | 5,772 |
| Memoranda: | ||
| Average total assets | $167,902,000 | 3,368 |
| Average earning assets | $149,945,500 | 3,436 |
| Average equity | $15,936,750 | 3,720 |
| Average total loans | $134,724,500 | 2,824 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 908 |
| Cost of funding earning assets | 0.2271% | 5,169 |
| Net interest margin | 4.5627% | 561 |
| Noninterest income to average assets | 0.9670% | 1,254 |
| Noninterest expense to average assets | 3.0684% | 2,342 |
| Loan and lease loss provision to assets | 0.0713% | 2,687 |
| Net operating income to assets | 1.8865% | 440 |
| Return on assets (ROA) | 1.8995% | 453 |
| Pretax return on assets | 1.9220% | 706 |
| Return on Equity (ROE) | 20.2704% | 255 |
| Retained earnings to average equity (ytd only) | 8.6964% | 1,022 |
| Net charge-offs to loans | -0.0134% | 5,023 |
| Credit loss provision to net charge-offs | -666.6667% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8824% | 4,999 |
| Assets per employee ($millions) | 3.7178% | 4,384 |
| Cash dividends to net income (ytd only)* | 57.0982% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 2,845 |
| Loan loss allowance to noncurrent loans | 300.4800% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,939 |
| Noncurrent loans to loans | 0.4596% | 4,100 |
| Net loans and leases to total assets | 80.1598% | 780 |
| Net loans and leases to deposits | 96.7018% | 896 |
| Net loans and leases to core deposits | 102.0881% | 1,324 |
| Total domestic deposits to total assets | 82.8938% | 3,988 |
| Equity capital to assets | 9.5916% | 4,543 |
| Core capital (leverage) ratio | 8.2581% | 5,745 |
| Tier 1 risk-based capital ratio | 10.4059% | 5,954 |
| Total risk-based capital ratio | 11.6576% | 5,899 |
| Memoranda: | ||
| Average total assets | $168,364,000 | 3,379 |
| Average earning assets | $150,613,670 | 3,446 |
| Average equity | $15,776,670 | 3,759 |
| Average total loans | $134,748,670 | 2,834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 834 |
| Cost of funding earning assets | 0.2338% | 5,178 |
| Net interest margin | 4.5826% | 520 |
| Noninterest income to average assets | 0.8715% | 1,494 |
| Noninterest expense to average assets | 3.0054% | 2,562 |
| Loan and lease loss provision to assets | 0.1066% | 1,926 |
| Net operating income to assets | 1.8426% | 450 |
| Return on assets (ROA) | 1.8426% | 477 |
| Pretax return on assets | 1.8449% | 802 |
| Return on Equity (ROE) | 19.8958% | 271 |
| Retained earnings to average equity (ytd only) | 8.2089% | 1,489 |
| Net charge-offs to loans | -0.0209% | 5,068 |
| Credit loss provision to net charge-offs | -642.8571% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7229% | 5,127 |
| Assets per employee ($millions) | 3.7796% | 4,379 |
| Cash dividends to net income (ytd only)* | 58.7404% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,907 |
| Loan loss allowance to noncurrent loans | 318.1197% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,895 |
| Noncurrent loans to loans | 0.4408% | 4,274 |
| Net loans and leases to total assets | 78.6860% | 841 |
| Net loans and leases to deposits | 93.0936% | 1,078 |
| Net loans and leases to core deposits | 98.2978% | 1,450 |
| Total domestic deposits to total assets | 84.5235% | 3,610 |
| Equity capital to assets | 9.5211% | 4,725 |
| Core capital (leverage) ratio | 8.0068% | 5,942 |
| Tier 1 risk-based capital ratio | 10.5254% | 6,004 |
| Total risk-based capital ratio | 11.7777% | 5,941 |
| Memoranda: | ||
| Average total assets | $168,895,000 | 3,386 |
| Average earning assets | $150,568,500 | 3,455 |
| Average equity | $15,641,500 | 3,809 |
| Average total loans | $134,129,500 | 2,844 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 656 |
| Cost of funding earning assets | 0.2649% | 5,164 |
| Net interest margin | 4.8207% | 420 |
| Noninterest income to average assets | 1.1450% | 924 |
| Noninterest expense to average assets | 3.2266% | 2,140 |
| Loan and lease loss provision to assets | 0.2292% | 1,062 |
| Net operating income to assets | 1.9756% | 342 |
| Return on assets (ROA) | 2.0087% | 331 |
| Pretax return on assets | 2.0460% | 470 |
| Return on Equity (ROE) | 21.9998% | 178 |
| Retained earnings to average equity (ytd only) | 3.0168% | 4,094 |
| Net charge-offs to loans | 0.0264% | 4,296 |
| Credit loss provision to net charge-offs | 1,105.7143% | 255 |
| Earnings coverage of net charge-offs (x) | 108.1143% | 488 |
| Efficiency ratio | 58.1735% | 5,439 |
| Assets per employee ($millions) | 3.8108% | 4,323 |
| Cash dividends to net income (ytd only)* | 86.2872% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,251 |
| Loan loss allowance to noncurrent loans | 379.2453% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 4,419 |
| Noncurrent loans to loans | 0.3519% | 4,605 |
| Net loans and leases to total assets | 77.9836% | 1,002 |
| Net loans and leases to deposits | 93.5908% | 1,120 |
| Net loans and leases to core deposits | 98.9391% | 1,473 |
| Total domestic deposits to total assets | 83.3240% | 3,971 |
| Equity capital to assets | 9.0089% | 5,277 |
| Core capital (leverage) ratio | 7.6094% | 6,171 |
| Tier 1 risk-based capital ratio | 10.2072% | 6,202 |
| Total risk-based capital ratio | 11.4596% | 6,149 |
| Memoranda: | ||
| Average total assets | $168,816,600 | 3,359 |
| Average earning assets | $151,387,600 | 3,421 |
| Average equity | $15,413,800 | 3,761 |
| Average total loans | $132,331,200 | 2,824 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 585 |
| Cost of funding earning assets | 0.2699% | 5,201 |
| Net interest margin | 4.8742% | 359 |
| Noninterest income to average assets | 1.0237% | 1,176 |
| Noninterest expense to average assets | 3.1178% | 2,413 |
| Loan and lease loss provision to assets | 0.1641% | 1,512 |
| Net operating income to assets | 2.0880% | 292 |
| Return on assets (ROA) | 2.0981% | 296 |
| Pretax return on assets | 2.1338% | 422 |
| Return on Equity (ROE) | 22.9011% | 159 |
| Retained earnings to average equity (ytd only) | 10.0225% | 705 |
| Net charge-offs to loans | -0.0507% | 5,912 |
| Credit loss provision to net charge-offs | -414.0000% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8285% | 5,572 |
| Assets per employee ($millions) | 3.7895% | 4,311 |
| Cash dividends to net income (ytd only)* | 56.2358% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,893 |
| Loan loss allowance to noncurrent loans | 248.4058% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 4,710 |
| Noncurrent loans to loans | 0.5062% | 4,415 |
| Net loans and leases to total assets | 78.9296% | 841 |
| Net loans and leases to deposits | 92.7545% | 1,155 |
| Net loans and leases to core deposits | 99.2816% | 1,432 |
| Total domestic deposits to total assets | 85.0951% | 3,306 |
| Equity capital to assets | 9.4788% | 4,820 |
| Core capital (leverage) ratio | 8.1443% | 5,976 |
| Tier 1 risk-based capital ratio | 10.9228% | 6,033 |
| Total risk-based capital ratio | 12.1747% | 5,982 |
| Memoranda: | ||
| Average total assets | $168,149,250 | 3,391 |
| Average earning assets | $151,159,750 | 3,445 |
| Average equity | $15,405,000 | 3,785 |
| Average total loans | $131,529,000 | 2,840 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 561 |
| Cost of funding earning assets | 0.2744% | 5,244 |
| Net interest margin | 4.8723% | 363 |
| Noninterest income to average assets | 0.9931% | 1,222 |
| Noninterest expense to average assets | 3.1191% | 2,427 |
| Loan and lease loss provision to assets | 0.2115% | 1,117 |
| Net operating income to assets | 2.0020% | 335 |
| Return on assets (ROA) | 2.0173% | 340 |
| Pretax return on assets | 2.0495% | 488 |
| Return on Equity (ROE) | 22.2809% | 188 |
| Retained earnings to average equity (ytd only) | 9.3453% | 870 |
| Net charge-offs to loans | -0.0539% | 5,916 |
| Credit loss provision to net charge-offs | -505.7143% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2956% | 5,632 |
| Assets per employee ($millions) | 3.5130% | 4,820 |
| Cash dividends to net income (ytd only)* | 58.0569% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 4,124 |
| Loan loss allowance to noncurrent loans | 337.8543% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 5,140 |
| Noncurrent loans to loans | 0.3715% | 4,880 |
| Net loans and leases to total assets | 77.8725% | 924 |
| Net loans and leases to deposits | 89.6670% | 1,402 |
| Net loans and leases to core deposits | 95.0764% | 1,679 |
| Total domestic deposits to total assets | 86.8464% | 2,549 |
| Equity capital to assets | 9.3036% | 4,978 |
| Core capital (leverage) ratio | 7.8432% | 6,185 |
| Tier 1 risk-based capital ratio | 10.7119% | 6,168 |
| Total risk-based capital ratio | 11.9635% | 6,121 |
| Memoranda: | ||
| Average total assets | $167,356,330 | 3,415 |
| Average earning assets | $150,154,670 | 3,480 |
| Average equity | $15,152,000 | 3,829 |
| Average total loans | $129,935,000 | 2,872 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 558 |
| Cost of funding earning assets | 0.2810% | 5,272 |
| Net interest margin | 4.8520% | 350 |
| Noninterest income to average assets | 0.9213% | 1,330 |
| Noninterest expense to average assets | 3.0734% | 2,608 |
| Loan and lease loss provision to assets | 0.1823% | 1,316 |
| Net operating income to assets | 1.9937% | 344 |
| Return on assets (ROA) | 1.9937% | 358 |
| Pretax return on assets | 2.0153% | 515 |
| Return on Equity (ROE) | 22.3327% | 185 |
| Retained earnings to average equity (ytd only) | 9.1642% | 1,202 |
| Net charge-offs to loans | -0.0249% | 5,461 |
| Credit loss provision to net charge-offs | -950.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4420% | 5,710 |
| Assets per employee ($millions) | 3.5792% | 4,772 |
| Cash dividends to net income (ytd only)* | 58.9651% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,661 |
| Loan loss allowance to noncurrent loans | 621.3710% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 5,750 |
| Noncurrent loans to loans | 0.1921% | 5,514 |
| Net loans and leases to total assets | 75.8302% | 1,018 |
| Net loans and leases to deposits | 86.3715% | 1,553 |
| Net loans and leases to core deposits | 91.1307% | 1,812 |
| Total domestic deposits to total assets | 87.7953% | 2,347 |
| Equity capital to assets | 8.9875% | 5,129 |
| Core capital (leverage) ratio | 7.6609% | 6,282 |
| Tier 1 risk-based capital ratio | 10.7129% | 6,272 |
| Total risk-based capital ratio | 11.9639% | 6,229 |
| Memoranda: | ||
| Average total assets | $166,723,000 | 3,450 |
| Average earning assets | $149,464,500 | 3,516 |
| Average equity | $14,884,000 | 3,881 |
| Average total loans | $128,412,500 | 2,905 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 896 |
| Cost of funding earning assets | 0.3025% | 5,574 |
| Net interest margin | 4.7119% | 502 |
| Noninterest income to average assets | 1.0124% | 1,368 |
| Noninterest expense to average assets | 3.1530% | 2,575 |
| Loan and lease loss provision to assets | 0.2451% | 1,475 |
| Net operating income to assets | 1.7867% | 497 |
| Return on assets (ROA) | 1.8023% | 494 |
| Pretax return on assets | 1.8299% | 705 |
| Return on Equity (ROE) | 19.5169% | 309 |
| Retained earnings to average equity (ytd only) | 1.8913% | 4,889 |
| Net charge-offs to loans | 0.0763% | 4,143 |
| Credit loss provision to net charge-offs | 434.7826% | 524 |
| Earnings coverage of net charge-offs (x) | 36.5217% | 1,020 |
| Efficiency ratio | 59.5885% | 5,527 |
| Assets per employee ($millions) | 3.5918% | 4,700 |
| Cash dividends to net income (ytd only)* | 90.3094% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 4,947 |
| Loan loss allowance to noncurrent loans | 1,867.9487% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 6,173 |
| Noncurrent loans to loans | 0.0611% | 6,047 |
| Net loans and leases to total assets | 76.4199% | 1,015 |
| Net loans and leases to deposits | 87.0060% | 1,577 |
| Net loans and leases to core deposits | 91.2095% | 1,886 |
| Total domestic deposits to total assets | 87.8329% | 2,284 |
| Equity capital to assets | 8.8661% | 5,187 |
| Core capital (leverage) ratio | 7.4777% | 6,381 |
| Tier 1 risk-based capital ratio | 10.6779% | 6,308 |
| Total risk-based capital ratio | 11.9283% | 6,261 |
| Memoranda: | ||
| Average total assets | $163,178,000 | 3,508 |
| Average earning assets | $145,439,800 | 3,580 |
| Average equity | $15,069,000 | 3,855 |
| Average total loans | $120,520,200 | 3,026 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 1,020 |
| Cost of funding earning assets | 0.3051% | 5,690 |
| Net interest margin | 4.6514% | 564 |
| Noninterest income to average assets | 1.0590% | 1,300 |
| Noninterest expense to average assets | 3.0548% | 2,808 |
| Loan and lease loss provision to assets | 0.1557% | 2,311 |
| Net operating income to assets | 1.9592% | 392 |
| Return on assets (ROA) | 1.9803% | 384 |
| Pretax return on assets | 2.0057% | 573 |
| Return on Equity (ROE) | 21.2287% | 235 |
| Retained earnings to average equity (ytd only) | 8.2947% | 1,299 |
| Net charge-offs to loans | 0.0539% | 4,136 |
| Credit loss provision to net charge-offs | 395.8333% | 675 |
| Earnings coverage of net charge-offs (x) | 54.3945% | 810 |
| Efficiency ratio | 57.8889% | 5,703 |
| Assets per employee ($millions) | 3.5532% | 4,746 |
| Cash dividends to net income (ytd only)* | 60.9273% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 5,568 |
| Loan loss allowance to noncurrent loans | 1,084.8739% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 6,154 |
| Noncurrent loans to loans | 0.0956% | 6,050 |
| Net loans and leases to total assets | 75.3405% | 1,095 |
| Net loans and leases to deposits | 84.0909% | 1,866 |
| Net loans and leases to core deposits | 89.5310% | 2,021 |
| Total domestic deposits to total assets | 89.5941% | 1,230 |
| Equity capital to assets | 9.3707% | 4,718 |
| Core capital (leverage) ratio | 8.0365% | 6,196 |
| Tier 1 risk-based capital ratio | 11.3348% | 6,135 |
| Total risk-based capital ratio | 12.4705% | 6,147 |
| Memoranda: | ||
| Average total assets | $162,666,500 | 3,560 |
| Average earning assets | $144,640,250 | 3,628 |
| Average equity | $15,174,000 | 3,883 |
| Average total loans | $118,720,000 | 3,085 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,074 |
| Cost of funding earning assets | 0.3046% | 5,798 |
| Net interest margin | 4.6052% | 592 |
| Noninterest income to average assets | 0.9544% | 1,641 |
| Noninterest expense to average assets | 2.9592% | 3,129 |
| Loan and lease loss provision to assets | 0.0739% | 3,562 |
| Net operating income to assets | 1.9778% | 369 |
| Return on assets (ROA) | 1.9778% | 395 |
| Pretax return on assets | 1.9987% | 609 |
| Return on Equity (ROE) | 21.2340% | 236 |
| Retained earnings to average equity (ytd only) | 8.2636% | 1,379 |
| Net charge-offs to loans | 0.0257% | 4,337 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 425 |
| Efficiency ratio | 57.8806% | 5,748 |
| Assets per employee ($millions) | 3.4457% | 4,966 |
| Cash dividends to net income (ytd only)* | 61.0834% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 5,871 |
| Loan loss allowance to noncurrent loans | 294.0887% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 5,735 |
| Noncurrent loans to loans | 0.3362% | 5,455 |
| Net loans and leases to total assets | 73.8228% | 1,279 |
| Net loans and leases to deposits | 83.0673% | 1,921 |
| Net loans and leases to core deposits | 88.6129% | 2,051 |
| Total domestic deposits to total assets | 88.8710% | 1,698 |
| Equity capital to assets | 9.3519% | 4,780 |
| Core capital (leverage) ratio | 7.9300% | 6,231 |
| Tier 1 risk-based capital ratio | 11.3630% | 6,171 |
| Total risk-based capital ratio | 12.4443% | 6,221 |
| Memoranda: | ||
| Average total assets | $162,406,670 | 3,573 |
| Average earning assets | $143,794,670 | 3,663 |
| Average equity | $15,126,670 | 3,919 |
| Average total loans | $116,816,000 | 3,131 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 1,204 |
| Cost of funding earning assets | 0.3067% | 5,920 |
| Net interest margin | 4.5395% | 633 |
| Noninterest income to average assets | 0.9248% | 1,677 |
| Noninterest expense to average assets | 2.8751% | 3,441 |
| Loan and lease loss provision to assets | 0.0738% | 3,400 |
| Net operating income to assets | 1.9233% | 391 |
| Return on assets (ROA) | 1.9233% | 427 |
| Pretax return on assets | 1.9799% | 612 |
| Return on Equity (ROE) | 20.6913% | 249 |
| Retained earnings to average equity (ytd only) | 7.6997% | 1,860 |
| Net charge-offs to loans | 0.0279% | 3,642 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 104.3750% | 365 |
| Efficiency ratio | 57.3852% | 5,912 |
| Assets per employee ($millions) | 3.5706% | 4,838 |
| Cash dividends to net income (ytd only)* | 62.7877% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 5,973 |
| Loan loss allowance to noncurrent loans | 223.0476% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 5,606 |
| Noncurrent loans to loans | 0.4504% | 5,296 |
| Net loans and leases to total assets | 71.8126% | 1,384 |
| Net loans and leases to deposits | 79.5339% | 2,147 |
| Net loans and leases to core deposits | 84.0645% | 2,312 |
| Total domestic deposits to total assets | 90.2918% | 884 |
| Equity capital to assets | 9.4767% | 4,881 |
| Core capital (leverage) ratio | 7.8419% | 6,257 |
| Tier 1 risk-based capital ratio | 11.5520% | 6,152 |
| Total risk-based capital ratio | 12.6613% | 6,206 |
| Memoranda: | ||
| Average total assets | $162,637,000 | 3,606 |
| Average earning assets | $143,452,000 | 3,705 |
| Average equity | $15,117,500 | 3,970 |
| Average total loans | $114,850,500 | 3,185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 1,305 |
| Cost of funding earning assets | 0.4184% | 5,799 |
| Net interest margin | 4.6853% | 668 |
| Noninterest income to average assets | 1.0951% | 1,289 |
| Noninterest expense to average assets | 3.0984% | 2,927 |
| Loan and lease loss provision to assets | 0.0653% | 4,944 |
| Net operating income to assets | 1.9885% | 361 |
| Return on assets (ROA) | 2.0399% | 363 |
| Pretax return on assets | 2.1190% | 479 |
| Return on Equity (ROE) | 20.9741% | 262 |
| Retained earnings to average equity (ytd only) | 3.3994% | 3,835 |
| Net charge-offs to loans | 0.0028% | 5,947 |
| Credit loss provision to net charge-offs | 3,333.3333% | 76 |
| Earnings coverage of net charge-offs (x) | 1,087.0000% | 28 |
| Efficiency ratio | 58.2906% | 5,789 |
| Assets per employee ($millions) | 3.8278% | 4,314 |
| Cash dividends to net income (ytd only)* | 83.7924% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 5,912 |
| Loan loss allowance to noncurrent loans | 314.7945% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 6,003 |
| Noncurrent loans to loans | 0.3226% | 5,678 |
| Net loans and leases to total assets | 68.0418% | 2,174 |
| Net loans and leases to deposits | 75.0937% | 2,941 |
| Net loans and leases to core deposits | 78.6403% | 3,175 |
| Total domestic deposits to total assets | 90.6091% | 657 |
| Equity capital to assets | 9.1181% | 5,380 |
| Core capital (leverage) ratio | 7.7567% | 6,367 |
| Tier 1 risk-based capital ratio | 11.2839% | 6,223 |
| Total risk-based capital ratio | 12.3749% | 6,272 |
| Memoranda: | ||
| Average total assets | $153,045,400 | 3,727 |
| Average earning assets | $135,039,400 | 3,808 |
| Average equity | $14,885,000 | 3,989 |
| Average total loans | $106,696,800 | 3,361 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 1,276 |
| Cost of funding earning assets | 0.4478% | 5,811 |
| Net interest margin | 4.7118% | 661 |
| Noninterest income to average assets | 1.0398% | 1,399 |
| Noninterest expense to average assets | 3.0101% | 3,199 |
| Loan and lease loss provision to assets | 0.0719% | 4,767 |
| Net operating income to assets | 2.0336% | 371 |
| Return on assets (ROA) | 2.1035% | 366 |
| Pretax return on assets | 2.1976% | 480 |
| Return on Equity (ROE) | 21.2639% | 271 |
| Retained earnings to average equity (ytd only) | 8.1052% | 1,571 |
| Net charge-offs to loans | -0.0025% | 6,217 |
| Credit loss provision to net charge-offs | -4,050.0000% | 6,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8213% | 5,942 |
| Assets per employee ($millions) | 3.5621% | 4,822 |
| Cash dividends to net income (ytd only)* | 61.8827% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 5,911 |
| Loan loss allowance to noncurrent loans | 178.3359% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 5,649 |
| Noncurrent loans to loans | 0.5859% | 5,269 |
| Net loans and leases to total assets | 70.2433% | 1,865 |
| Net loans and leases to deposits | 81.4216% | 2,195 |
| Net loans and leases to core deposits | 84.5890% | 2,632 |
| Total domestic deposits to total assets | 86.2710% | 3,107 |
| Equity capital to assets | 10.0900% | 4,372 |
| Core capital (leverage) ratio | 8.0754% | 6,258 |
| Tier 1 risk-based capital ratio | 12.1637% | 5,848 |
| Total risk-based capital ratio | 13.2907% | 5,902 |
| Memoranda: | ||
| Average total assets | $150,157,750 | 3,819 |
| Average earning assets | $132,797,000 | 3,886 |
| Average equity | $14,854,250 | 4,037 |
| Average total loans | $105,085,250 | 3,429 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 1,464 |
| Cost of funding earning assets | 0.4820% | 5,742 |
| Net interest margin | 4.6349% | 772 |
| Noninterest income to average assets | 0.9695% | 1,547 |
| Noninterest expense to average assets | 2.9031% | 3,607 |
| Loan and lease loss provision to assets | 0.0510% | 5,030 |
| Net operating income to assets | 2.0216% | 383 |
| Return on assets (ROA) | 2.0422% | 410 |
| Pretax return on assets | 2.1240% | 555 |
| Return on Equity (ROE) | 20.7861% | 303 |
| Retained earnings to average equity (ytd only) | 7.8204% | 1,709 |
| Net charge-offs to loans | -0.0154% | 6,374 |
| Credit loss provision to net charge-offs | -475.0000% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4041% | 6,074 |
| Assets per employee ($millions) | 3.5130% | 4,950 |
| Cash dividends to net income (ytd only)* | 62.3769% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 6,024 |
| Loan loss allowance to noncurrent loans | 1,016.6667% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 6,641 |
| Noncurrent loans to loans | 0.1017% | 6,411 |
| Net loans and leases to total assets | 68.0100% | 2,289 |
| Net loans and leases to deposits | 78.2765% | 2,631 |
| Net loans and leases to core deposits | 81.2664% | 3,051 |
| Total domestic deposits to total assets | 86.8843% | 2,842 |
| Equity capital to assets | 9.7095% | 4,745 |
| Core capital (leverage) ratio | 8.0170% | 6,259 |
| Tier 1 risk-based capital ratio | 12.0023% | 5,934 |
| Total risk-based capital ratio | 13.1086% | 5,994 |
| Memoranda: | ||
| Average total assets | $149,153,000 | 3,855 |
| Average earning assets | $131,523,000 | 3,930 |
| Average equity | $14,654,000 | 4,059 |
| Average total loans | $103,870,670 | 3,478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1739% | 1,370 |
| Cost of funding earning assets | 0.5549% | 5,466 |
| Net interest margin | 4.6190% | 798 |
| Noninterest income to average assets | 0.9833% | 1,472 |
| Noninterest expense to average assets | 2.8707% | 3,742 |
| Loan and lease loss provision to assets | 0.0519% | 4,764 |
| Net operating income to assets | 2.0021% | 416 |
| Return on assets (ROA) | 2.0021% | 476 |
| Pretax return on assets | 2.1305% | 600 |
| Return on Equity (ROE) | 20.2528% | 375 |
| Retained earnings to average equity (ytd only) | 10.5823% | 1,145 |
| Net charge-offs to loans | 0.0117% | 4,544 |
| Credit loss provision to net charge-offs | 633.3333% | 540 |
| Earnings coverage of net charge-offs (x) | 266.3333% | 131 |
| Efficiency ratio | 55.7838% | 6,147 |
| Assets per employee ($millions) | 3.6472% | 4,773 |
| Cash dividends to net income (ytd only)* | 47.7490% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 6,129 |
| Loan loss allowance to noncurrent loans | 26,700.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,946 |
| Noncurrent loans to loans | 0.0039% | 6,798 |
| Net loans and leases to total assets | 68.1655% | 2,081 |
| Net loans and leases to deposits | 78.3062% | 2,451 |
| Net loans and leases to core deposits | 81.5541% | 2,889 |
| Total domestic deposits to total assets | 87.0499% | 2,932 |
| Equity capital to assets | 9.8170% | 4,350 |
| Core capital (leverage) ratio | 8.2242% | 5,995 |
| Tier 1 risk-based capital ratio | 12.1992% | 5,819 |
| Total risk-based capital ratio | 13.3123% | 5,897 |
| Memoranda: | ||
| Average total assets | $146,444,500 | 3,928 |
| Average earning assets | $129,032,500 | 4,004 |
| Average equity | $14,477,000 | 4,107 |
| Average total loans | $102,695,500 | 3,526 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 1,493 |
| Cost of funding earning assets | 0.6662% | 5,734 |
| Net interest margin | 4.7052% | 750 |
| Noninterest income to average assets | 1.0773% | 1,150 |
| Noninterest expense to average assets | 2.7762% | 4,441 |
| Loan and lease loss provision to assets | 0.2244% | 3,957 |
| Net operating income to assets | 2.2039% | 224 |
| Return on assets (ROA) | 2.2551% | 216 |
| Pretax return on assets | 2.2844% | 312 |
| Return on Equity (ROE) | 22.7308% | 164 |
| Retained earnings to average equity (ytd only) | -0.1377% | 5,875 |
| Net charge-offs to loans | 0.0233% | 6,118 |
| Credit loss provision to net charge-offs | 1,352.9412% | 163 |
| Earnings coverage of net charge-offs (x) | 148.1176% | 227 |
| Efficiency ratio | 51.7621% | 6,721 |
| Assets per employee ($millions) | 3.4132% | 5,215 |
| Cash dividends to net income (ytd only)* | 100.6058% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 6,085 |
| Loan loss allowance to noncurrent loans | 6,188.2353% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 6,738 |
| Noncurrent loans to loans | 0.0166% | 6,789 |
| Net loans and leases to total assets | 70.6919% | 1,886 |
| Net loans and leases to deposits | 82.0253% | 2,192 |
| Net loans and leases to core deposits | 85.6092% | 2,683 |
| Total domestic deposits to total assets | 86.1831% | 3,210 |
| Equity capital to assets | 9.9572% | 4,217 |
| Core capital (leverage) ratio | 9.7565% | 3,663 |
| Tier 1 risk-based capital ratio | 12.1186% | 5,751 |
| Total risk-based capital ratio | 13.2468% | 5,814 |
| Memoranda: | ||
| Average total assets | $102,477,200 | 4,835 |
| Average earning assets | $90,516,200 | 4,916 |
| Average equity | $10,166,800 | 4,974 |
| Average total loans | $73,079,800 | 4,377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5350% | 1,172 |
| Cost of funding earning assets | 0.7251% | 5,627 |
| Net interest margin | 4.8100% | 612 |
| Noninterest income to average assets | 1.1937% | 927 |
| Noninterest expense to average assets | 2.6620% | 4,863 |
| Loan and lease loss provision to assets | 0.3324% | 2,886 |
| Net operating income to assets | 2.4243% | 175 |
| Return on assets (ROA) | 2.4611% | 172 |
| Pretax return on assets | 2.5031% | 248 |
| Return on Equity (ROE) | 24.8426% | 133 |
| Retained earnings to average equity (ytd only) | 14.2666% | 282 |
| Net charge-offs to loans | 0.0324% | 5,694 |
| Credit loss provision to net charge-offs | 1,437.5000% | 189 |
| Earnings coverage of net charge-offs (x) | 121.0159% | 302 |
| Efficiency ratio | 47.4060% | 6,993 |
| Assets per employee ($millions) | 3.5681% | 4,830 |
| Cash dividends to net income (ytd only)* | 42.5718% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 6,793 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.2063% | 2,047 |
| Net loans and leases to deposits | 88.6996% | 1,353 |
| Net loans and leases to core deposits | 95.1826% | 1,681 |
| Total domestic deposits to total assets | 79.1506% | 5,960 |
| Equity capital to assets | 9.9743% | 4,378 |
| Core capital (leverage) ratio | 7.5923% | 6,702 |
| Tier 1 risk-based capital ratio | 11.8443% | 6,007 |
| Total risk-based capital ratio | 13.1006% | 5,982 |
| Memoranda: | ||
| Average total assets | $92,258,250 | 5,162 |
| Average earning assets | $81,828,000 | 5,221 |
| Average equity | $9,140,000 | 5,272 |
| Average total loans | $65,752,000 | 4,688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 1,230 |
| Cost of funding earning assets | 0.7816% | 5,502 |
| Net interest margin | 4.7499% | 657 |
| Noninterest income to average assets | 1.0389% | 1,224 |
| Noninterest expense to average assets | 2.6196% | 5,117 |
| Loan and lease loss provision to assets | 0.3233% | 2,850 |
| Net operating income to assets | 2.2397% | 246 |
| Return on assets (ROA) | 2.3075% | 234 |
| Pretax return on assets | 2.3654% | 304 |
| Return on Equity (ROE) | 23.3503% | 187 |
| Retained earnings to average equity (ytd only) | 13.7620% | 333 |
| Net charge-offs to loans | 0.0031% | 5,842 |
| Credit loss provision to net charge-offs | 14,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,175.0000% | 12 |
| Efficiency ratio | 48.6383% | 7,026 |
| Assets per employee ($millions) | 3.3648% | 5,295 |
| Cash dividends to net income (ytd only)* | 41.0628% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 4,513 |
| Loan loss allowance to noncurrent loans | 509.3264% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 6,336 |
| Noncurrent loans to loans | 0.2771% | 6,367 |
| Net loans and leases to total assets | 72.8862% | 1,618 |
| Net loans and leases to deposits | 92.9341% | 955 |
| Net loans and leases to core deposits | 98.4318% | 1,475 |
| Total domestic deposits to total assets | 78.4278% | 6,210 |
| Equity capital to assets | 9.9635% | 4,205 |
| Core capital (leverage) ratio | 7.6968% | 6,587 |
| Tier 1 risk-based capital ratio | 11.4737% | 6,184 |
| Total risk-based capital ratio | 12.7292% | 6,169 |
| Memoranda: | ||
| Average total assets | $89,708,670 | 5,264 |
| Average earning assets | $79,327,670 | 5,333 |
| Average equity | $8,865,000 | 5,358 |
| Average total loans | $63,938,000 | 4,796 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 1,018 |
| Cost of funding earning assets | 0.8335% | 5,376 |
| Net interest margin | 4.7875% | 583 |
| Noninterest income to average assets | 0.9879% | 1,364 |
| Noninterest expense to average assets | 2.4927% | 5,578 |
| Loan and lease loss provision to assets | 0.4528% | 1,947 |
| Net operating income to assets | 2.1768% | 270 |
| Return on assets (ROA) | 2.3143% | 234 |
| Pretax return on assets | 2.3875% | 293 |
| Return on Equity (ROE) | 23.5239% | 196 |
| Retained earnings to average equity (ytd only) | 14.2259% | 457 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4317% | 7,188 |
| Assets per employee ($millions) | 3.4203% | 5,192 |
| Cash dividends to net income (ytd only)* | 39.5257% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 4,279 |
| Loan loss allowance to noncurrent loans | 775.2066% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,542 |
| Noncurrent loans to loans | 0.1917% | 6,585 |
| Net loans and leases to total assets | 69.9158% | 2,142 |
| Net loans and leases to deposits | 82.6364% | 2,248 |
| Net loans and leases to core deposits | 87.0638% | 2,726 |
| Total domestic deposits to total assets | 84.6065% | 4,223 |
| Equity capital to assets | 9.9419% | 3,852 |
| Core capital (leverage) ratio | 7.5771% | 6,677 |
| Tier 1 risk-based capital ratio | 11.7864% | 5,865 |
| Total risk-based capital ratio | 13.0418% | 5,868 |
| Memoranda: | ||
| Average total assets | $87,456,000 | 5,372 |
| Average earning assets | $76,783,500 | 5,453 |
| Average equity | $8,604,000 | 5,437 |
| Average total loans | $61,081,000 | 4,955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5876% | 1,945 |
| Cost of funding earning assets | 1.2032% | 4,545 |
| Net interest margin | 4.3844% | 1,536 |
| Noninterest income to average assets | 0.8764% | 1,941 |
| Noninterest expense to average assets | 2.6650% | 5,154 |
| Loan and lease loss provision to assets | 0.1723% | 5,498 |
| Net operating income to assets | 1.8698% | 359 |
| Return on assets (ROA) | 1.8981% | 363 |
| Pretax return on assets | 1.8981% | 615 |
| Return on Equity (ROE) | 18.5685% | 338 |
| Retained earnings to average equity (ytd only) | 9.4047% | 619 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9686% | 6,718 |
| Assets per employee ($millions) | 3.5827% | 4,745 |
| Cash dividends to net income (ytd only)* | 49.3515% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 4,422 |
| Loan loss allowance to noncurrent loans | 705.0420% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 6,593 |
| Noncurrent loans to loans | 0.2015% | 6,665 |
| Net loans and leases to total assets | 67.6990% | 3,057 |
| Net loans and leases to deposits | 82.1412% | 2,770 |
| Net loans and leases to core deposits | 85.5428% | 3,392 |
| Total domestic deposits to total assets | 82.4179% | 5,054 |
| Equity capital to assets | 9.7308% | 4,080 |
| Core capital (leverage) ratio | 7.4464% | 6,748 |
| Tier 1 risk-based capital ratio | 11.4539% | 5,946 |
| Total risk-based capital ratio | 12.7083% | 5,942 |
| Memoranda: | ||
| Average total assets | $81,238,400 | 5,561 |
| Average earning assets | $70,979,200 | 5,635 |
| Average equity | $8,304,400 | 5,617 |
| Average total loans | $54,698,000 | 5,287 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7544% | 1,531 |
| Cost of funding earning assets | 1.2678% | 4,451 |
| Net interest margin | 4.4867% | 1,286 |
| Noninterest income to average assets | 0.7362% | 2,603 |
| Noninterest expense to average assets | 2.4883% | 5,752 |
| Loan and lease loss provision to assets | 0.1915% | 5,130 |
| Net operating income to assets | 1.9820% | 347 |
| Return on assets (ROA) | 2.0203% | 353 |
| Pretax return on assets | 2.0203% | 596 |
| Return on Equity (ROE) | 19.5119% | 339 |
| Retained earnings to average equity (ytd only) | 11.9999% | 460 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6970% | 7,011 |
| Assets per employee ($millions) | 3.3662% | 5,284 |
| Cash dividends to net income (ytd only)* | 38.4996% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 7,039 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.2527% | 3,629 |
| Net loans and leases to deposits | 81.6863% | 3,159 |
| Net loans and leases to core deposits | 86.2333% | 3,617 |
| Total domestic deposits to total assets | 81.1063% | 5,329 |
| Equity capital to assets | 10.5722% | 3,442 |
| Core capital (leverage) ratio | 7.7037% | 6,671 |
| Tier 1 risk-based capital ratio | 11.7149% | 5,718 |
| Total risk-based capital ratio | 12.9688% | 5,684 |
| Memoranda: | ||
| Average total assets | $80,051,750 | 5,662 |
| Average earning assets | $70,043,000 | 5,734 |
| Average equity | $8,288,750 | 5,694 |
| Average total loans | $53,610,000 | 5,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7496% | 1,552 |
| Cost of funding earning assets | 1.3181% | 4,425 |
| Net interest margin | 4.4315% | 1,367 |
| Noninterest income to average assets | 0.7244% | 2,551 |
| Noninterest expense to average assets | 2.4961% | 5,730 |
| Loan and lease loss provision to assets | 0.2923% | 4,046 |
| Net operating income to assets | 1.8072% | 481 |
| Return on assets (ROA) | 1.8657% | 472 |
| Pretax return on assets | 1.8657% | 786 |
| Return on Equity (ROE) | 18.1548% | 453 |
| Retained earnings to average equity (ytd only) | 11.0314% | 651 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5996% | 7,018 |
| Assets per employee ($millions) | 3.6985% | 4,472 |
| Cash dividends to net income (ytd only)* | 39.2371% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 7,000 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 68.1886% | 3,318 |
| Net loans and leases to deposits | 83.6356% | 2,942 |
| Net loans and leases to core deposits | 88.7955% | 3,441 |
| Total domestic deposits to total assets | 81.5306% | 5,186 |
| Equity capital to assets | 10.3002% | 3,650 |
| Core capital (leverage) ratio | 7.5196% | 6,809 |
| Tier 1 risk-based capital ratio | 11.1226% | 6,122 |
| Total risk-based capital ratio | 12.3258% | 6,149 |
| Memoranda: | ||
| Average total assets | $78,684,000 | 5,737 |
| Average earning assets | $68,734,670 | 5,806 |
| Average equity | $8,086,000 | 5,769 |
| Average total loans | $52,623,670 | 5,484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6817% | 1,844 |
| Cost of funding earning assets | 1.3551% | 4,454 |
| Net interest margin | 4.3267% | 1,607 |
| Noninterest income to average assets | 0.6568% | 2,896 |
| Noninterest expense to average assets | 2.4980% | 5,737 |
| Loan and lease loss provision to assets | 0.4913% | 2,537 |
| Net operating income to assets | 1.4326% | 1,013 |
| Return on assets (ROA) | 1.5515% | 879 |
| Pretax return on assets | 1.5515% | 1,390 |
| Return on Equity (ROE) | 15.1162% | 853 |
| Retained earnings to average equity (ytd only) | 9.0697% | 1,381 |
| Net charge-offs to loans | 0.0158% | 5,361 |
| Credit loss provision to net charge-offs | 4,750.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 186 |
| Efficiency ratio | 54.6199% | 6,917 |
| Assets per employee ($millions) | 3.4092% | 5,266 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,931 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.2499% | 4,279 |
| Net loans and leases to deposits | 80.1282% | 3,636 |
| Net loans and leases to core deposits | 86.0929% | 3,878 |
| Total domestic deposits to total assets | 80.1839% | 5,722 |
| Equity capital to assets | 10.2970% | 3,477 |
| Core capital (leverage) ratio | 7.5247% | 6,830 |
| Tier 1 risk-based capital ratio | 10.3720% | 6,738 |
| Total risk-based capital ratio | 11.6239% | 6,733 |
| Memoranda: | ||
| Average total assets | $77,342,500 | 5,838 |
| Average earning assets | $67,303,500 | 5,924 |
| Average equity | $7,938,500 | 5,872 |
| Average total loans | $50,787,000 | 5,638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1306% | 1,436 |
| Cost of funding earning assets | 1.7109% | 4,446 |
| Net interest margin | 4.4196% | 1,382 |
| Noninterest income to average assets | 0.6588% | 3,230 |
| Noninterest expense to average assets | 2.8299% | 4,833 |
| Loan and lease loss provision to assets | 0.5660% | 3,546 |
| Net operating income to assets | 1.1230% | 1,459 |
| Return on assets (ROA) | 1.4404% | 838 |
| Pretax return on assets | 1.4404% | 1,333 |
| Return on Equity (ROE) | 12.1333% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.3586% | 3,469 |
| Net charge-offs to loans | 0.2222% | 5,234 |
| Credit loss provision to net charge-offs | 378.0000% | 844 |
| Earnings coverage of net charge-offs (x) | 11.2800% | 1,603 |
| Efficiency ratio | 60.5368% | 6,399 |
| Assets per employee ($millions) | 3.1781% | 5,773 |
| Cash dividends to net income (ytd only)* | 80.5613% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 4,303 |
| Loan loss allowance to noncurrent loans | 659.4340% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 6,921 |
| Noncurrent loans to loans | 0.2103% | 6,902 |
| Net loans and leases to total assets | 65.1651% | 4,347 |
| Net loans and leases to deposits | 82.7504% | 3,493 |
| Net loans and leases to core deposits | 107.4751% | 3,162 |
| Total domestic deposits to total assets | 78.7490% | 6,044 |
| Equity capital to assets | 10.2302% | 3,480 |
| Core capital (leverage) ratio | 7.7092% | 6,547 |
| Tier 1 risk-based capital ratio | 10.8736% | 6,040 |
| Total risk-based capital ratio | 12.1438% | 5,996 |
| Memoranda: | ||
| Average total assets | $66,787,000 | 6,119 |
| Average earning assets | $58,330,800 | 6,209 |
| Average equity | $7,928,600 | 5,948 |
| Average total loans | $45,003,400 | 5,871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2387% | 1,273 |
| Cost of funding earning assets | 1.7858% | 4,444 |
| Net interest margin | 4.4528% | 1,308 |
| Noninterest income to average assets | 0.7100% | 2,951 |
| Noninterest expense to average assets | 2.7860% | 4,948 |
| Loan and lease loss provision to assets | 0.7203% | 2,577 |
| Net operating income to assets | 1.1053% | 1,718 |
| Return on assets (ROA) | 1.5276% | 819 |
| Pretax return on assets | 1.5276% | 1,335 |
| Return on Equity (ROE) | 12.3616% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.2677% | 586 |
| Net charge-offs to loans | 0.2627% | 4,404 |
| Credit loss provision to net charge-offs | 404.6512% | 980 |
| Earnings coverage of net charge-offs (x) | 10.2561% | 1,983 |
| Efficiency ratio | 58.3034% | 6,678 |
| Assets per employee ($millions) | 2.8626% | 6,504 |
| Cash dividends to net income (ytd only)* | 16.9373% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 3,786 |
| Loan loss allowance to noncurrent loans | 432.2785% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 6,671 |
| Noncurrent loans to loans | 0.3306% | 6,700 |
| Net loans and leases to total assets | 68.5701% | 3,832 |
| Net loans and leases to deposits | 85.3965% | 3,433 |
| Net loans and leases to core deposits | 114.3450% | 2,795 |
| Total domestic deposits to total assets | 80.2961% | 5,336 |
| Equity capital to assets | 12.1015% | 2,186 |
| Core capital (leverage) ratio | 8.9524% | 4,722 |
| Tier 1 risk-based capital ratio | 13.0552% | 4,151 |
| Total risk-based capital ratio | 14.3299% | 4,070 |
| Memoranda: | ||
| Average total assets | $64,415,250 | 6,232 |
| Average earning assets | $56,442,250 | 6,317 |
| Average equity | $7,960,000 | 5,994 |
| Average total loans | $43,653,500 | 5,989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3057% | 1,195 |
| Cost of funding earning assets | 1.8224% | 4,656 |
| Net interest margin | 4.4833% | 1,210 |
| Noninterest income to average assets | 0.5525% | 4,018 |
| Noninterest expense to average assets | 2.7879% | 5,011 |
| Loan and lease loss provision to assets | 0.7398% | 2,216 |
| Net operating income to assets | 0.9462% | 2,292 |
| Return on assets (ROA) | 1.5940% | 759 |
| Pretax return on assets | 1.5940% | 1,219 |
| Return on Equity (ROE) | 12.8029% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.8029% | 348 |
| Net charge-offs to loans | 0.4116% | 3,147 |
| Credit loss provision to net charge-offs | 267.8161% | 1,740 |
| Earnings coverage of net charge-offs (x) | 6.1034% | 2,684 |
| Efficiency ratio | 60.1136% | 6,531 |
| Assets per employee ($millions) | 3.0207% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 4,342 |
| Loan loss allowance to noncurrent loans | 410.8696% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 6,960 |
| Noncurrent loans to loans | 0.3133% | 6,732 |
| Net loans and leases to total assets | 68.5358% | 4,066 |
| Net loans and leases to deposits | 85.6296% | 3,616 |
| Net loans and leases to core deposits | 113.1513% | 3,003 |
| Total domestic deposits to total assets | 80.0375% | 5,464 |
| Equity capital to assets | 12.5595% | 1,894 |
| Core capital (leverage) ratio | 9.4563% | 3,948 |
| Tier 1 risk-based capital ratio | 13.7219% | 3,678 |
| Total risk-based capital ratio | 14.9971% | 3,593 |
| Memoranda: | ||
| Average total assets | $62,986,330 | 6,331 |
| Average earning assets | $55,093,330 | 6,424 |
| Average equity | $7,842,000 | 6,074 |
| Average total loans | $42,274,000 | 6,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3123% | 1,264 |
| Cost of funding earning assets | 1.8295% | 4,982 |
| Net interest margin | 4.4828% | 1,164 |
| Noninterest income to average assets | 0.4780% | 4,525 |
| Noninterest expense to average assets | 2.6003% | 5,445 |
| Loan and lease loss provision to assets | 0.7011% | 1,811 |
| Net operating income to assets | 1.0962% | 1,973 |
| Return on assets (ROA) | 1.6570% | 775 |
| Pretax return on assets | 1.6570% | 1,277 |
| Return on Equity (ROE) | 13.3685% | 1,298 |
| Retained earnings to average equity (ytd only) | 13.3685% | 586 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8116% | 6,855 |
| Assets per employee ($millions) | 2.7890% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 4,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.0369% | 4,576 |
| Net loans and leases to deposits | 87.1193% | 3,445 |
| Net loans and leases to core deposits | 111.4913% | 3,260 |
| Total domestic deposits to total assets | 75.8005% | 6,554 |
| Equity capital to assets | 12.2455% | 2,109 |
| Core capital (leverage) ratio | 9.1284% | 4,504 |
| Tier 1 risk-based capital ratio | 13.4629% | 3,887 |
| Total risk-based capital ratio | 14.7364% | 3,798 |
| Memoranda: | ||
| Average total assets | $62,762,500 | 6,367 |
| Average earning assets | $54,877,000 | 6,467 |
| Average equity | $7,779,500 | 6,129 |
| Average total loans | $41,390,000 | 6,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7618% | 1,819 |
| Cost of funding earning assets | 2.1566% | 5,798 |
| Net interest margin | 4.6052% | 1,162 |
| Noninterest income to average assets | 0.3763% | 5,681 |
| Noninterest expense to average assets | 2.5771% | 5,730 |
| Loan and lease loss provision to assets | 0.4311% | 3,135 |
| Net operating income to assets | 1.4918% | 1,042 |
| Return on assets (ROA) | 1.6014% | 799 |
| Pretax return on assets | 1.4143% | 1,930 |
| Return on Equity (ROE) | 10.8000% | 1,969 |
| Retained earnings to average equity (ytd only) | 1.2368% | 4,482 |
| Net charge-offs to loans | 0.0290% | 6,416 |
| Credit loss provision to net charge-offs | 2,533.3333% | 183 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 425 |
| Efficiency ratio | 57.0364% | 6,864 |
| Assets per employee ($millions) | 2.7900% | 6,578 |
| Cash dividends to net income (ytd only)* | 88.5478% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 5,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.3021% | 5,208 |
| Net loans and leases to deposits | 86.8861% | 3,977 |
| Net loans and leases to core deposits | 107.2034% | 4,057 |
| Total domestic deposits to total assets | 74.0074% | 6,654 |
| Equity capital to assets | 12.5515% | 1,984 |
| Core capital (leverage) ratio | 9.2417% | 4,377 |
| Tier 1 risk-based capital ratio | 13.5186% | 3,814 |
| Total risk-based capital ratio | 14.6289% | 3,792 |
| Memoranda: | ||
| Average total assets | $52,889,800 | 6,667 |
| Average earning assets | $45,209,800 | 6,807 |
| Average equity | $7,842,600 | 6,153 |
| Average total loans | $31,006,000 | 6,651 |