Home > First Northeast Bank of Nebraska > Performance and Condition Ratios
First Northeast Bank of Nebraska, 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 | 5.2799% | 1,524 |
| Cost of funding earning assets | 1.9192% | 1,038 |
| Net interest margin | 3.3607% | 2,491 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.5705% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4273% | 1,165 |
| Return on assets (ROA) | 1.5375% | 924 |
| Pretax return on assets | 1.9567% | 713 |
| Return on Equity (ROE) | 14.0200% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.2437% | 741 |
| Net charge-offs to loans | -0.1171% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.5426% | 4,211 |
| Assets per employee ($millions) | 9.3624% | 871 |
| Cash dividends to net income (ytd only)* | 19.8261% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 676 |
| Loan loss allowance to noncurrent loans | 699.3878% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 2,795 |
| Noncurrent loans to loans | 0.2418% | 2,339 |
| Net loans and leases to total assets | 45.2800% | 3,849 |
| Net loans and leases to deposits | 61.6488% | 3,431 |
| Net loans and leases to core deposits | 77.4610% | 2,882 |
| Total domestic deposits to total assets | 73.4400% | 4,135 |
| Equity capital to assets | 11.6030% | 1,254 |
| Core capital (leverage) ratio | 13.0856% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $426,476,600 | 1,931 |
| Average earning assets | $410,595,400 | 1,878 |
| Average equity | $46,755,200 | 1,689 |
| Average total loans | $184,466,600 | 2,403 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 1,458 |
| Cost of funding earning assets | 1.8040% | 1,000 |
| Net interest margin | 3.3923% | 2,471 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.6069% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4274% | 1,261 |
| Return on assets (ROA) | 1.5420% | 1,029 |
| Pretax return on assets | 1.9554% | 797 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.4872% | 1,264 |
| Net charge-offs to loans | -0.1615% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.2007% | 4,124 |
| Assets per employee ($millions) | 8.7976% | 1,004 |
| Cash dividends to net income (ytd only)* | 26.5686% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 537 |
| Loan loss allowance to noncurrent loans | 655.6405% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,736 |
| Noncurrent loans to loans | 0.2789% | 2,240 |
| Net loans and leases to total assets | 43.6000% | 3,931 |
| Net loans and leases to deposits | 55.8232% | 3,721 |
| Net loans and leases to core deposits | 68.3220% | 3,304 |
| Total domestic deposits to total assets | 78.1100% | 3,802 |
| Equity capital to assets | 11.3997% | 1,212 |
| Core capital (leverage) ratio | 12.7762% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $423,087,500 | 1,944 |
| Average earning assets | $407,309,000 | 1,886 |
| Average equity | $45,679,750 | 1,703 |
| Average total loans | $179,920,250 | 2,450 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 1,363 |
| Cost of funding earning assets | 1.6965% | 889 |
| Net interest margin | 3.4091% | 2,493 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.5680% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4738% | 1,159 |
| Return on assets (ROA) | 1.5887% | 966 |
| Pretax return on assets | 2.0158% | 726 |
| Return on Equity (ROE) | 14.9900% | 1,472 |
| Retained earnings to average equity (ytd only) | 9.1975% | 1,630 |
| Net charge-offs to loans | -0.2458% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.7925% | 4,218 |
| Assets per employee ($millions) | 8.8595% | 952 |
| Cash dividends to net income (ytd only)* | 38.6560% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 513 |
| Loan loss allowance to noncurrent loans | 650.6641% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,678 |
| Noncurrent loans to loans | 0.2898% | 2,097 |
| Net loans and leases to total assets | 41.9600% | 3,965 |
| Net loans and leases to deposits | 53.0139% | 3,795 |
| Net loans and leases to core deposits | 63.3070% | 3,487 |
| Total domestic deposits to total assets | 79.1400% | 3,702 |
| Equity capital to assets | 11.0324% | 1,377 |
| Core capital (leverage) ratio | 12.2945% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $423,355,333 | 1,940 |
| Average earning assets | $407,791,667 | 1,883 |
| Average equity | $44,860,000 | 1,727 |
| Average total loans | $177,377,667 | 2,472 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 1,278 |
| Cost of funding earning assets | 1.5858% | 717 |
| Net interest margin | 3.3880% | 2,662 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.5398% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4878% | 1,213 |
| Return on assets (ROA) | 1.6307% | 929 |
| Pretax return on assets | 2.0672% | 689 |
| Return on Equity (ROE) | 15.7100% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.8419% | 3,313 |
| Net charge-offs to loans | 0.0046% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 996.0000% | 105 |
| Efficiency ratio | 44.1128% | 4,298 |
| Assets per employee ($millions) | 9.4530% | 810 |
| Cash dividends to net income (ytd only)* | 75.5517% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 603 |
| Loan loss allowance to noncurrent loans | 495.9815% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 2,451 |
| Noncurrent loans to loans | 0.3731% | 1,816 |
| Net loans and leases to total assets | 40.0200% | 4,041 |
| Net loans and leases to deposits | 49.0495% | 3,926 |
| Net loans and leases to core deposits | 58.7623% | 3,594 |
| Total domestic deposits to total assets | 81.5800% | 3,548 |
| Equity capital to assets | 10.4623% | 1,580 |
| Core capital (leverage) ratio | 11.5740% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $422,404,000 | 1,969 |
| Average earning assets | $406,617,500 | 1,912 |
| Average equity | $43,832,000 | 1,771 |
| Average total loans | $175,142,000 | 2,507 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 3,502 |
| Cost of funding earning assets | 0.5814% | 978 |
| Net interest margin | 2.7560% | 3,965 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.5664% | 4,349 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9524% | 2,761 |
| Return on assets (ROA) | 1.0841% | 2,184 |
| Pretax return on assets | 1.3806% | 1,821 |
| Return on Equity (ROE) | 9.8100% | 2,867 |
| Retained earnings to average equity (ytd only) | 7.4951% | 2,027 |
| Net charge-offs to loans | -0.0092% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.6552% | 3,728 |
| Assets per employee ($millions) | 8.7380% | 999 |
| Cash dividends to net income (ytd only)* | 23.5832% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 642 |
| Loan loss allowance to noncurrent loans | 493.2412% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,445 |
| Noncurrent loans to loans | 0.3681% | 1,823 |
| Net loans and leases to total assets | 41.4000% | 4,012 |
| Net loans and leases to deposits | 51.4711% | 3,830 |
| Net loans and leases to core deposits | 62.2504% | 3,379 |
| Total domestic deposits to total assets | 80.4300% | 3,820 |
| Equity capital to assets | 10.2901% | 1,560 |
| Core capital (leverage) ratio | 11.8625% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $403,664,200 | 2,017 |
| Average earning assets | $388,893,200 | 1,950 |
| Average equity | $44,616,000 | 1,763 |
| Average total loans | $174,275,600 | 2,416 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9505% | 3,983 |
| Cost of funding earning assets | 0.4227% | 1,140 |
| Net interest margin | 2.5278% | 4,186 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.5404% | 4,374 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7932% | 3,292 |
| Return on assets (ROA) | 0.8999% | 2,841 |
| Pretax return on assets | 1.1528% | 2,548 |
| Return on Equity (ROE) | 8.0000% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.9383% | 3,123 |
| Net charge-offs to loans | -0.0108% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.2958% | 3,351 |
| Assets per employee ($millions) | 8.8426% | 955 |
| Cash dividends to net income (ytd only)* | 38.2506% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 648 |
| Loan loss allowance to noncurrent loans | 482.3976% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,530 |
| Noncurrent loans to loans | 0.3856% | 1,852 |
| Net loans and leases to total assets | 39.5200% | 4,094 |
| Net loans and leases to deposits | 54.7410% | 3,563 |
| Net loans and leases to core deposits | 58.1473% | 3,495 |
| Total domestic deposits to total assets | 72.2000% | 4,504 |
| Equity capital to assets | 10.4052% | 1,419 |
| Core capital (leverage) ratio | 11.9164% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $399,724,250 | 2,041 |
| Average earning assets | $385,777,750 | 1,978 |
| Average equity | $44,980,250 | 1,775 |
| Average total loans | $173,631,250 | 2,430 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6947% | 4,150 |
| Cost of funding earning assets | 0.3820% | 1,037 |
| Net interest margin | 2.3127% | 4,326 |
| Noninterest income to average assets | 0.1528% | 4,246 |
| Noninterest expense to average assets | 1.5393% | 4,373 |
| Loan and lease loss provision to assets | 0.0358% | 1,941 |
| Net operating income to assets | 0.6284% | 3,546 |
| Return on assets (ROA) | 0.7382% | 3,140 |
| Pretax return on assets | 0.9497% | 2,900 |
| Return on Equity (ROE) | 6.3864% | 3,477 |
| Retained earnings to average equity (ytd only) | 1.8253% | 3,801 |
| Net charge-offs to loans | 0.0160% | 1,434 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 118.3571% | 743 |
| Efficiency ratio | 63.2548% | 2,878 |
| Assets per employee ($millions) | 7.7221% | 1,463 |
| Cash dividends to net income (ytd only)* | 71.4187% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 738 |
| Loan loss allowance to noncurrent loans | 472.1634% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 2,552 |
| Noncurrent loans to loans | 0.3919% | 1,960 |
| Net loans and leases to total assets | 41.2266% | 4,025 |
| Net loans and leases to deposits | 54.3615% | 3,515 |
| Net loans and leases to core deposits | 57.6835% | 3,447 |
| Total domestic deposits to total assets | 75.8379% | 4,466 |
| Equity capital to assets | 10.3529% | 1,507 |
| Core capital (leverage) ratio | 11.4100% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,484,667 | 2,084 |
| Average earning assets | $378,003,333 | 2,031 |
| Average equity | $45,252,333 | 1,823 |
| Average total loans | $174,533,667 | 2,426 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5271% | 4,233 |
| Cost of funding earning assets | 0.3424% | 1,270 |
| Net interest margin | 2.1847% | 4,366 |
| Noninterest income to average assets | 0.1490% | 4,262 |
| Noninterest expense to average assets | 1.5691% | 4,342 |
| Loan and lease loss provision to assets | 0.0414% | 1,610 |
| Net operating income to assets | 0.4987% | 3,719 |
| Return on assets (ROA) | 0.6107% | 3,342 |
| Pretax return on assets | 0.7939% | 3,127 |
| Return on Equity (ROE) | 5.0114% | 3,620 |
| Retained earnings to average equity (ytd only) | -3.7543% | 4,356 |
| Net charge-offs to loans | 0.0316% | 986 |
| Credit loss provision to net charge-offs | 285.7143% | 681 |
| Earnings coverage of net charge-offs (x) | 47.8571% | 939 |
| Efficiency ratio | 67.9780% | 2,511 |
| Assets per employee ($millions) | 7.9130% | 1,423 |
| Cash dividends to net income (ytd only)* | 174.9153% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 882 |
| Loan loss allowance to noncurrent loans | 464.8120% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,674 |
| Noncurrent loans to loans | 0.3870% | 2,099 |
| Net loans and leases to total assets | 41.0101% | 3,947 |
| Net loans and leases to deposits | 55.8375% | 3,283 |
| Net loans and leases to core deposits | 59.6747% | 3,176 |
| Total domestic deposits to total assets | 73.4454% | 4,589 |
| Equity capital to assets | 11.0738% | 1,299 |
| Core capital (leverage) ratio | 11.7767% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,451,500 | 2,112 |
| Average earning assets | $373,866,000 | 2,054 |
| Average equity | $47,092,500 | 1,811 |
| Average total loans | $177,467,000 | 2,400 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 3,203 |
| Cost of funding earning assets | 0.4500% | 1,202 |
| Net interest margin | 2.8545% | 3,548 |
| Noninterest income to average assets | 0.1719% | 4,295 |
| Noninterest expense to average assets | 1.8192% | 4,109 |
| Loan and lease loss provision to assets | 0.0594% | 1,874 |
| Net operating income to assets | 0.8237% | 3,259 |
| Return on assets (ROA) | 0.9727% | 2,848 |
| Pretax return on assets | 1.2370% | 2,560 |
| Return on Equity (ROE) | 7.2263% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.4407% | 2,598 |
| Net charge-offs to loans | 0.2957% | 297 |
| Credit loss provision to net charge-offs | 38.6029% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.2022% | 2,354 |
| Efficiency ratio | 61.0124% | 2,996 |
| Assets per employee ($millions) | 6.6931% | 2,162 |
| Cash dividends to net income (ytd only)* | 24.7093% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 1,106 |
| Loan loss allowance to noncurrent loans | 457.4627% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 2,640 |
| Noncurrent loans to loans | 0.3659% | 2,274 |
| Net loans and leases to total assets | 49.8113% | 3,304 |
| Net loans and leases to deposits | 66.2890% | 2,485 |
| Net loans and leases to core deposits | 71.3149% | 2,318 |
| Total domestic deposits to total assets | 75.1426% | 4,549 |
| Equity capital to assets | 13.4520% | 783 |
| Core capital (leverage) ratio | 12.9920% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,668,400 | 2,179 |
| Average earning assets | $341,352,200 | 2,123 |
| Average equity | $47,604,000 | 1,836 |
| Average total loans | $183,986,800 | 2,353 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 2,989 |
| Cost of funding earning assets | 0.4689% | 1,223 |
| Net interest margin | 2.9698% | 3,386 |
| Noninterest income to average assets | 0.1683% | 4,360 |
| Noninterest expense to average assets | 1.8085% | 4,149 |
| Loan and lease loss provision to assets | 0.0569% | 1,847 |
| Net operating income to assets | 0.9412% | 3,119 |
| Return on assets (ROA) | 1.0792% | 2,692 |
| Pretax return on assets | 1.3446% | 2,500 |
| Return on Equity (ROE) | 8.0167% | 3,399 |
| Retained earnings to average equity (ytd only) | 5.6232% | 2,989 |
| Net charge-offs to loans | 0.3923% | 194 |
| Credit loss provision to net charge-offs | 27.6753% | 1,961 |
| Earnings coverage of net charge-offs (x) | 5.9815% | 2,202 |
| Efficiency ratio | 58.4301% | 3,204 |
| Assets per employee ($millions) | 6.7835% | 2,028 |
| Cash dividends to net income (ytd only)* | 29.8560% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,184 |
| Loan loss allowance to noncurrent loans | 445.4815% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 2,842 |
| Noncurrent loans to loans | 0.3742% | 2,439 |
| Net loans and leases to total assets | 50.2852% | 3,377 |
| Net loans and leases to deposits | 64.6110% | 2,778 |
| Net loans and leases to core deposits | 69.5161% | 2,638 |
| Total domestic deposits to total assets | 77.8275% | 4,440 |
| Equity capital to assets | 13.8219% | 776 |
| Core capital (leverage) ratio | 12.8502% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,729,000 | 2,207 |
| Average earning assets | $339,811,750 | 2,150 |
| Average equity | $47,350,250 | 1,869 |
| Average total loans | $184,209,500 | 2,392 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 3,271 |
| Cost of funding earning assets | 0.4833% | 1,300 |
| Net interest margin | 2.8848% | 3,612 |
| Noninterest income to average assets | 0.1679% | 4,363 |
| Noninterest expense to average assets | 1.8162% | 4,152 |
| Loan and lease loss provision to assets | 0.0512% | 2,009 |
| Net operating income to assets | 0.8865% | 3,262 |
| Return on assets (ROA) | 0.9921% | 2,999 |
| Pretax return on assets | 1.2197% | 2,859 |
| Return on Equity (ROE) | 7.4357% | 3,547 |
| Retained earnings to average equity (ytd only) | 3.8096% | 3,584 |
| Net charge-offs to loans | 0.7742% | 108 |
| Credit loss provision to net charge-offs | 12.5348% | 1,767 |
| Earnings coverage of net charge-offs (x) | 2.7911% | 2,105 |
| Efficiency ratio | 60.2887% | 2,982 |
| Assets per employee ($millions) | 6.4995% | 2,171 |
| Cash dividends to net income (ytd only)* | 48.7665% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,496 |
| Loan loss allowance to noncurrent loans | 408.1001% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,007 |
| Noncurrent loans to loans | 0.3746% | 2,560 |
| Net loans and leases to total assets | 49.9256% | 3,561 |
| Net loans and leases to deposits | 63.8269% | 3,020 |
| Net loans and leases to core deposits | 68.8073% | 2,880 |
| Total domestic deposits to total assets | 78.2203% | 4,417 |
| Equity capital to assets | 13.3748% | 850 |
| Core capital (leverage) ratio | 12.3955% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,390,667 | 2,202 |
| Average earning assets | $339,712,667 | 2,138 |
| Average equity | $46,881,667 | 1,872 |
| Average total loans | $185,484,333 | 2,388 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0948% | 3,894 |
| Cost of funding earning assets | 0.5005% | 1,394 |
| Net interest margin | 2.5942% | 4,163 |
| Noninterest income to average assets | 0.1596% | 4,401 |
| Noninterest expense to average assets | 1.8430% | 4,127 |
| Loan and lease loss provision to assets | 0.0344% | 2,317 |
| Net operating income to assets | 0.6209% | 3,888 |
| Return on assets (ROA) | 0.7406% | 3,669 |
| Pretax return on assets | 0.9393% | 3,516 |
| Return on Equity (ROE) | 5.5583% | 3,978 |
| Retained earnings to average equity (ytd only) | -1.7666% | 4,522 |
| Net charge-offs to loans | -0.0320% | 4,201 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9018% | 1,944 |
| Assets per employee ($millions) | 6.9123% | 1,854 |
| Cash dividends to net income (ytd only)* | 131.7829% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 805 |
| Loan loss allowance to noncurrent loans | 243.0487% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,226 |
| Noncurrent loans to loans | 0.7581% | 1,719 |
| Net loans and leases to total assets | 51.0436% | 3,534 |
| Net loans and leases to deposits | 64.9919% | 3,025 |
| Net loans and leases to core deposits | 69.7631% | 2,887 |
| Total domestic deposits to total assets | 78.5384% | 4,378 |
| Equity capital to assets | 12.9434% | 928 |
| Core capital (leverage) ratio | 12.3990% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,351,000 | 2,198 |
| Average earning assets | $336,440,500 | 2,146 |
| Average equity | $46,417,000 | 1,875 |
| Average total loans | $187,606,500 | 2,372 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 3,616 |
| Cost of funding earning assets | 0.7027% | 1,706 |
| Net interest margin | 2.9816% | 3,929 |
| Noninterest income to average assets | 0.1721% | 4,424 |
| Noninterest expense to average assets | 1.9603% | 4,214 |
| Loan and lease loss provision to assets | 0.0380% | 3,936 |
| Net operating income to assets | 0.8182% | 3,022 |
| Return on assets (ROA) | 0.8768% | 2,936 |
| Pretax return on assets | 1.1076% | 2,661 |
| Return on Equity (ROE) | 6.4138% | 3,444 |
| Retained earnings to average equity (ytd only) | 4.4428% | 2,571 |
| Net charge-offs to loans | -0.0301% | 4,538 |
| Credit loss provision to net charge-offs | -210.5263% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4253% | 2,907 |
| Assets per employee ($millions) | 6.2456% | 2,127 |
| Cash dividends to net income (ytd only)* | 30.7303% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.8236% | 3,409 |
| Net loans and leases to deposits | 69.7628% | 2,903 |
| Net loans and leases to core deposits | 75.5358% | 2,768 |
| Total domestic deposits to total assets | 78.5857% | 4,253 |
| Equity capital to assets | 13.7312% | 864 |
| Core capital (leverage) ratio | 13.0910% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,454,800 | 2,210 |
| Average earning assets | $302,551,200 | 2,164 |
| Average equity | $43,125,800 | 1,905 |
| Average total loans | $189,165,600 | 2,335 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 3,730 |
| Cost of funding earning assets | 0.7452% | 1,775 |
| Net interest margin | 2.9843% | 4,013 |
| Noninterest income to average assets | 0.1639% | 4,481 |
| Noninterest expense to average assets | 1.9647% | 4,224 |
| Loan and lease loss provision to assets | 0.0387% | 3,865 |
| Net operating income to assets | 0.8206% | 3,014 |
| Return on assets (ROA) | 0.8774% | 2,917 |
| Pretax return on assets | 1.0924% | 2,775 |
| Return on Equity (ROE) | 6.4256% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.7483% | 3,168 |
| Net charge-offs to loans | 0.0113% | 2,702 |
| Credit loss provision to net charge-offs | 562.5000% | 1,203 |
| Earnings coverage of net charge-offs (x) | 154.0625% | 587 |
| Efficiency ratio | 63.6855% | 2,791 |
| Assets per employee ($millions) | 5.9095% | 2,341 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.8545% | 3,436 |
| Net loans and leases to deposits | 74.5850% | 2,901 |
| Net loans and leases to core deposits | 80.9699% | 2,757 |
| Total domestic deposits to total assets | 77.5685% | 4,256 |
| Equity capital to assets | 13.5236% | 995 |
| Core capital (leverage) ratio | 13.3429% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,003,500 | 2,220 |
| Average earning assets | $297,188,250 | 2,172 |
| Average equity | $42,329,750 | 1,916 |
| Average total loans | $189,382,750 | 2,324 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 3,729 |
| Cost of funding earning assets | 0.7971% | 1,841 |
| Net interest margin | 3.0593% | 3,992 |
| Noninterest income to average assets | 0.1597% | 4,493 |
| Noninterest expense to average assets | 1.9721% | 4,291 |
| Loan and lease loss provision to assets | 0.0396% | 3,783 |
| Net operating income to assets | 0.8343% | 2,920 |
| Return on assets (ROA) | 0.8422% | 3,004 |
| Pretax return on assets | 1.0837% | 2,761 |
| Return on Equity (ROE) | 6.1462% | 3,459 |
| Retained earnings to average equity (ytd only) | 2.0519% | 3,731 |
| Net charge-offs to loans | 0.0149% | 2,445 |
| Credit loss provision to net charge-offs | 428.5714% | 1,343 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 619 |
| Efficiency ratio | 62.6524% | 3,016 |
| Assets per employee ($millions) | 5.7386% | 2,421 |
| Cash dividends to net income (ytd only)* | 66.6144% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 58.7722% | 3,445 |
| Net loans and leases to deposits | 74.8015% | 2,994 |
| Net loans and leases to core deposits | 81.5806% | 2,809 |
| Total domestic deposits to total assets | 78.5709% | 4,100 |
| Equity capital to assets | 13.5159% | 980 |
| Core capital (leverage) ratio | 13.8416% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,027,333 | 2,238 |
| Average earning assets | $289,808,667 | 2,187 |
| Average equity | $41,521,667 | 1,934 |
| Average total loans | $187,592,000 | 2,329 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,678 |
| Cost of funding earning assets | 0.8721% | 2,002 |
| Net interest margin | 3.1675% | 3,939 |
| Noninterest income to average assets | 0.1752% | 4,492 |
| Noninterest expense to average assets | 2.0409% | 4,324 |
| Loan and lease loss provision to assets | 0.0404% | 3,266 |
| Net operating income to assets | 0.9010% | 2,521 |
| Return on assets (ROA) | 0.9032% | 2,621 |
| Pretax return on assets | 1.1175% | 2,461 |
| Return on Equity (ROE) | 6.5441% | 3,120 |
| Retained earnings to average equity (ytd only) | -1.7581% | 4,225 |
| Net charge-offs to loans | 0.0278% | 1,822 |
| Credit loss provision to net charge-offs | 230.7692% | 1,335 |
| Earnings coverage of net charge-offs (x) | 65.9231% | 759 |
| Efficiency ratio | 62.6318% | 3,421 |
| Assets per employee ($millions) | 5.4884% | 2,132 |
| Cash dividends to net income (ytd only)* | 126.8657% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.2480% | 3,378 |
| Net loans and leases to deposits | 76.9337% | 2,991 |
| Net loans and leases to core deposits | 83.9315% | 2,858 |
| Total domestic deposits to total assets | 79.6114% | 3,925 |
| Equity capital to assets | 13.2550% | 1,320 |
| Core capital (leverage) ratio | 13.8885% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,730,000 | 2,229 |
| Average earning assets | $282,998,500 | 2,184 |
| Average equity | $40,953,000 | 1,949 |
| Average total loans | $187,005,000 | 2,288 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 3,409 |
| Cost of funding earning assets | 0.9752% | 1,832 |
| Net interest margin | 3.3693% | 3,827 |
| Noninterest income to average assets | 0.2014% | 4,454 |
| Noninterest expense to average assets | 1.9721% | 4,584 |
| Loan and lease loss provision to assets | 0.0397% | 3,222 |
| Net operating income to assets | 1.1018% | 2,440 |
| Return on assets (ROA) | 1.1222% | 2,460 |
| Pretax return on assets | 1.3974% | 2,174 |
| Return on Equity (ROE) | 8.3102% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.4706% | 1,623 |
| Net charge-offs to loans | -0.0516% | 4,828 |
| Credit loss provision to net charge-offs | -122.4490% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1261% | 4,076 |
| Assets per employee ($millions) | 5.5016% | 2,058 |
| Cash dividends to net income (ytd only)* | 22.1370% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 62.6168% | 3,345 |
| Net loans and leases to deposits | 80.8381% | 2,678 |
| Net loans and leases to core deposits | 88.5965% | 2,555 |
| Total domestic deposits to total assets | 77.4595% | 4,438 |
| Equity capital to assets | 14.3466% | 985 |
| Core capital (leverage) ratio | 14.0711% | 913 |
| Tier 1 risk-based capital ratio | 14.5384% | 2,999 |
| Total risk-based capital ratio | 15.6635% | 2,973 |
| Memoranda: | ||
| Average total assets | $301,908,200 | 2,156 |
| Average earning assets | $285,164,800 | 2,114 |
| Average equity | $40,769,200 | 1,899 |
| Average total loans | $189,806,000 | 2,236 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 3,522 |
| Cost of funding earning assets | 0.9839% | 1,835 |
| Net interest margin | 3.3619% | 3,958 |
| Noninterest income to average assets | 0.1993% | 4,523 |
| Noninterest expense to average assets | 1.9275% | 4,673 |
| Loan and lease loss provision to assets | 0.0396% | 3,113 |
| Net operating income to assets | 1.1318% | 2,444 |
| Return on assets (ROA) | 1.1335% | 2,528 |
| Pretax return on assets | 1.4041% | 2,297 |
| Return on Equity (ROE) | 8.5246% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.0436% | 2,353 |
| Net charge-offs to loans | -0.0232% | 4,620 |
| Credit loss provision to net charge-offs | -272.7273% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0517% | 4,166 |
| Assets per employee ($millions) | 5.5391% | 1,994 |
| Cash dividends to net income (ytd only)* | 29.1038% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 838 |
| Loan loss allowance to noncurrent loans | 407.1615% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 3,535 |
| Noncurrent loans to loans | 0.4153% | 3,056 |
| Net loans and leases to total assets | 60.7808% | 3,613 |
| Net loans and leases to deposits | 76.8144% | 3,219 |
| Net loans and leases to core deposits | 83.6352% | 3,128 |
| Total domestic deposits to total assets | 79.1268% | 4,160 |
| Equity capital to assets | 14.0429% | 1,134 |
| Core capital (leverage) ratio | 13.9012% | 1,009 |
| Tier 1 risk-based capital ratio | 14.3770% | 3,146 |
| Total risk-based capital ratio | 15.4790% | 3,110 |
| Memoranda: | ||
| Average total assets | $303,113,250 | 2,165 |
| Average earning assets | $285,786,500 | 2,127 |
| Average equity | $40,306,000 | 1,925 |
| Average total loans | $189,945,250 | 2,256 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 3,540 |
| Cost of funding earning assets | 0.9813% | 1,786 |
| Net interest margin | 3.3494% | 4,033 |
| Noninterest income to average assets | 0.1990% | 4,565 |
| Noninterest expense to average assets | 1.9044% | 4,742 |
| Loan and lease loss provision to assets | 0.0394% | 3,031 |
| Net operating income to assets | 1.1325% | 2,396 |
| Return on assets (ROA) | 1.1352% | 2,468 |
| Pretax return on assets | 1.4065% | 2,187 |
| Return on Equity (ROE) | 8.6965% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.9220% | 2,813 |
| Net charge-offs to loans | -0.0198% | 4,546 |
| Credit loss provision to net charge-offs | -315.7895% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7409% | 4,277 |
| Assets per employee ($millions) | 5.3911% | 2,057 |
| Cash dividends to net income (ytd only)* | 43.4028% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.0761% | 3,641 |
| Net loans and leases to deposits | 76.8990% | 3,251 |
| Net loans and leases to core deposits | 83.8164% | 3,120 |
| Total domestic deposits to total assets | 79.4238% | 4,144 |
| Equity capital to assets | 13.7930% | 1,202 |
| Core capital (leverage) ratio | 13.3475% | 1,172 |
| Tier 1 risk-based capital ratio | 14.1094% | 3,257 |
| Total risk-based capital ratio | 15.1996% | 3,254 |
| Memoranda: | ||
| Average total assets | $304,447,330 | 2,161 |
| Average earning assets | $286,145,000 | 2,127 |
| Average equity | $39,740,000 | 1,947 |
| Average total loans | $191,617,330 | 2,250 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 3,684 |
| Cost of funding earning assets | 0.9557% | 1,764 |
| Net interest margin | 3.3013% | 4,156 |
| Noninterest income to average assets | 0.1958% | 4,587 |
| Noninterest expense to average assets | 1.8754% | 4,832 |
| Loan and lease loss provision to assets | 0.0389% | 2,851 |
| Net operating income to assets | 1.1127% | 2,422 |
| Return on assets (ROA) | 1.1180% | 2,449 |
| Pretax return on assets | 1.3838% | 2,140 |
| Return on Equity (ROE) | 8.8047% | 2,892 |
| Retained earnings to average equity (ytd only) | 1.1440% | 4,282 |
| Net charge-offs to loans | -0.0307% | 4,656 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7920% | 4,360 |
| Assets per employee ($millions) | 5.6510% | 1,840 |
| Cash dividends to net income (ytd only)* | 87.0070% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 61.9148% | 3,512 |
| Net loans and leases to deposits | 80.4064% | 2,792 |
| Net loans and leases to core deposits | 87.5242% | 2,740 |
| Total domestic deposits to total assets | 77.0024% | 4,651 |
| Equity capital to assets | 13.0082% | 1,451 |
| Core capital (leverage) ratio | 12.7744% | 1,368 |
| Tier 1 risk-based capital ratio | 13.3041% | 3,715 |
| Total risk-based capital ratio | 14.3437% | 3,743 |
| Memoranda: | ||
| Average total assets | $308,415,000 | 2,140 |
| Average earning assets | $289,218,500 | 2,117 |
| Average equity | $39,161,000 | 1,963 |
| Average total loans | $195,335,000 | 2,245 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 3,642 |
| Cost of funding earning assets | 0.7824% | 1,625 |
| Net interest margin | 3.3512% | 4,128 |
| Noninterest income to average assets | 0.2058% | 4,688 |
| Noninterest expense to average assets | 1.9209% | 4,866 |
| Loan and lease loss provision to assets | 0.0396% | 3,404 |
| Net operating income to assets | 1.1227% | 2,508 |
| Return on assets (ROA) | 1.2369% | 2,016 |
| Pretax return on assets | 1.5351% | 1,667 |
| Return on Equity (ROE) | 10.0522% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.1733% | 1,161 |
| Net charge-offs to loans | -0.0027% | 4,270 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0992% | 4,396 |
| Assets per employee ($millions) | 5.6669% | 1,807 |
| Cash dividends to net income (ytd only)* | 18.6916% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 62.7836% | 3,487 |
| Net loans and leases to deposits | 83.8577% | 2,524 |
| Net loans and leases to core deposits | 91.9796% | 2,408 |
| Total domestic deposits to total assets | 74.8692% | 4,883 |
| Equity capital to assets | 12.3933% | 1,639 |
| Core capital (leverage) ratio | 12.7348% | 1,355 |
| Tier 1 risk-based capital ratio | 12.9102% | 3,896 |
| Total risk-based capital ratio | 13.9078% | 3,926 |
| Memoranda: | ||
| Average total assets | $302,775,200 | 2,140 |
| Average earning assets | $284,495,200 | 2,109 |
| Average equity | $37,255,600 | 1,972 |
| Average total loans | $186,254,000 | 2,283 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,939 |
| Cost of funding earning assets | 0.7077% | 1,806 |
| Net interest margin | 3.2903% | 4,305 |
| Noninterest income to average assets | 0.2085% | 4,717 |
| Noninterest expense to average assets | 1.8650% | 4,956 |
| Loan and lease loss provision to assets | 0.0399% | 3,204 |
| Net operating income to assets | 1.1382% | 2,501 |
| Return on assets (ROA) | 1.1738% | 2,349 |
| Pretax return on assets | 1.4515% | 2,057 |
| Return on Equity (ROE) | 9.5574% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.0290% | 2,112 |
| Net charge-offs to loans | -0.0102% | 4,411 |
| Credit loss provision to net charge-offs | -642.8571% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1091% | 4,496 |
| Assets per employee ($millions) | 5.6610% | 1,765 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.3301% | 3,810 |
| Net loans and leases to deposits | 80.6141% | 2,972 |
| Net loans and leases to core deposits | 88.7081% | 2,777 |
| Total domestic deposits to total assets | 74.8382% | 4,903 |
| Equity capital to assets | 12.4396% | 1,630 |
| Core capital (leverage) ratio | 12.6893% | 1,426 |
| Tier 1 risk-based capital ratio | 12.5187% | 4,190 |
| Total risk-based capital ratio | 13.5079% | 4,231 |
| Memoranda: | ||
| Average total assets | $300,549,750 | 2,161 |
| Average earning assets | $283,536,000 | 2,126 |
| Average equity | $36,912,750 | 1,988 |
| Average total loans | $183,146,000 | 2,323 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,957 |
| Cost of funding earning assets | 0.6677% | 1,826 |
| Net interest margin | 3.2719% | 4,327 |
| Noninterest income to average assets | 0.2061% | 4,779 |
| Noninterest expense to average assets | 1.8599% | 5,016 |
| Loan and lease loss provision to assets | 0.0402% | 3,104 |
| Net operating income to assets | 1.1403% | 2,433 |
| Return on assets (ROA) | 1.1940% | 2,226 |
| Pretax return on assets | 1.4717% | 1,920 |
| Return on Equity (ROE) | 9.7643% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.9330% | 2,593 |
| Net charge-offs to loans | -0.0033% | 4,026 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0719% | 4,574 |
| Assets per employee ($millions) | 5.4966% | 1,877 |
| Cash dividends to net income (ytd only)* | 39.2377% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.8996% | 3,822 |
| Net loans and leases to deposits | 75.5824% | 3,381 |
| Net loans and leases to core deposits | 82.7066% | 3,188 |
| Total domestic deposits to total assets | 79.2507% | 4,382 |
| Equity capital to assets | 12.4074% | 1,590 |
| Core capital (leverage) ratio | 12.3731% | 1,506 |
| Tier 1 risk-based capital ratio | 12.2889% | 4,318 |
| Total risk-based capital ratio | 13.2702% | 4,355 |
| Memoranda: | ||
| Average total assets | $298,835,330 | 2,179 |
| Average earning assets | $283,077,670 | 2,139 |
| Average equity | $36,541,330 | 2,007 |
| Average total loans | $181,725,330 | 2,343 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,156 |
| Cost of funding earning assets | 0.6316% | 1,831 |
| Net interest margin | 3.1918% | 4,493 |
| Noninterest income to average assets | 0.1961% | 4,845 |
| Noninterest expense to average assets | 1.8583% | 5,088 |
| Loan and lease loss provision to assets | 0.0400% | 2,953 |
| Net operating income to assets | 1.0810% | 2,519 |
| Return on assets (ROA) | 1.0952% | 2,459 |
| Pretax return on assets | 1.3420% | 2,216 |
| Return on Equity (ROE) | 9.0223% | 2,898 |
| Retained earnings to average equity (ytd only) | 1.3297% | 4,535 |
| Net charge-offs to loans | -0.0724% | 5,121 |
| Credit loss provision to net charge-offs | -90.9091% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4156% | 4,528 |
| Assets per employee ($millions) | 5.8721% | 1,627 |
| Cash dividends to net income (ytd only)* | 85.2619% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 1,225 |
| Loan loss allowance to noncurrent loans | 2,298.4375% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,902 |
| Noncurrent loans to loans | 0.0684% | 4,673 |
| Net loans and leases to total assets | 60.3185% | 3,721 |
| Net loans and leases to deposits | 77.6714% | 3,052 |
| Net loans and leases to core deposits | 85.4313% | 2,852 |
| Total domestic deposits to total assets | 77.6585% | 4,776 |
| Equity capital to assets | 11.8650% | 1,869 |
| Core capital (leverage) ratio | 12.0773% | 1,607 |
| Tier 1 risk-based capital ratio | 11.6555% | 4,767 |
| Total risk-based capital ratio | 12.6116% | 4,844 |
| Memoranda: | ||
| Average total assets | $299,845,500 | 2,196 |
| Average earning assets | $284,357,500 | 2,156 |
| Average equity | $36,398,500 | 2,022 |
| Average total loans | $182,221,000 | 2,347 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,281 |
| Cost of funding earning assets | 0.5123% | 2,232 |
| Net interest margin | 3.2121% | 4,417 |
| Noninterest income to average assets | 0.2380% | 4,708 |
| Noninterest expense to average assets | 1.9959% | 4,965 |
| Loan and lease loss provision to assets | 0.0417% | 3,424 |
| Net operating income to assets | 0.8433% | 2,981 |
| Return on assets (ROA) | 1.0914% | 1,905 |
| Pretax return on assets | 1.6064% | 1,267 |
| Return on Equity (ROE) | 8.9888% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.5579% | 902 |
| Net charge-offs to loans | 0.2492% | 1,047 |
| Credit loss provision to net charge-offs | 28.0374% | 3,552 |
| Earnings coverage of net charge-offs (x) | 8.6285% | 2,886 |
| Efficiency ratio | 59.6164% | 4,317 |
| Assets per employee ($millions) | 5.3516% | 2,104 |
| Cash dividends to net income (ytd only)* | 15.9185% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.2641% | 3,903 |
| Net loans and leases to deposits | 77.6868% | 3,154 |
| Net loans and leases to core deposits | 85.8400% | 2,917 |
| Total domestic deposits to total assets | 76.2859% | 4,947 |
| Equity capital to assets | 12.4234% | 1,562 |
| Core capital (leverage) ratio | 12.7452% | 1,245 |
| Tier 1 risk-based capital ratio | 12.6168% | 4,134 |
| Total risk-based capital ratio | 13.6338% | 4,189 |
| Memoranda: | ||
| Average total assets | $287,790,400 | 2,239 |
| Average earning assets | $272,473,600 | 2,193 |
| Average equity | $34,943,600 | 2,085 |
| Average total loans | $171,770,000 | 2,404 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,289 |
| Cost of funding earning assets | 0.5003% | 2,259 |
| Net interest margin | 3.2124% | 4,423 |
| Noninterest income to average assets | 0.2362% | 4,795 |
| Noninterest expense to average assets | 1.9677% | 5,020 |
| Loan and lease loss provision to assets | 0.0419% | 3,269 |
| Net operating income to assets | 0.8865% | 3,095 |
| Return on assets (ROA) | 1.2189% | 1,643 |
| Pretax return on assets | 1.7408% | 1,022 |
| Return on Equity (ROE) | 10.0988% | 2,089 |
| Retained earnings to average equity (ytd only) | 8.1686% | 1,156 |
| Net charge-offs to loans | 0.0070% | 3,481 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 311.8808% | 296 |
| Efficiency ratio | 58.8193% | 4,387 |
| Assets per employee ($millions) | 5.5116% | 1,913 |
| Cash dividends to net income (ytd only)* | 19.1132% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 632 |
| Loan loss allowance to noncurrent loans | 751.2644% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,499 |
| Noncurrent loans to loans | 0.2595% | 4,033 |
| Net loans and leases to total assets | 58.4826% | 4,015 |
| Net loans and leases to deposits | 73.9524% | 3,573 |
| Net loans and leases to core deposits | 79.5851% | 3,480 |
| Total domestic deposits to total assets | 79.0814% | 4,515 |
| Equity capital to assets | 12.6950% | 1,548 |
| Core capital (leverage) ratio | 12.4673% | 1,428 |
| Tier 1 risk-based capital ratio | 12.7371% | 4,183 |
| Total risk-based capital ratio | 13.9210% | 4,117 |
| Memoranda: | ||
| Average total assets | $286,153,000 | 2,265 |
| Average earning assets | $270,739,500 | 2,222 |
| Average equity | $34,537,750 | 2,123 |
| Average total loans | $170,383,250 | 2,431 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 4,309 |
| Cost of funding earning assets | 0.4744% | 2,379 |
| Net interest margin | 3.1984% | 4,424 |
| Noninterest income to average assets | 0.2321% | 4,845 |
| Noninterest expense to average assets | 1.9018% | 5,181 |
| Loan and lease loss provision to assets | 0.0417% | 3,167 |
| Net operating income to assets | 0.9308% | 2,756 |
| Return on assets (ROA) | 1.1103% | 1,976 |
| Pretax return on assets | 1.5675% | 1,441 |
| Return on Equity (ROE) | 9.3573% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.4295% | 1,888 |
| Net charge-offs to loans | 0.0117% | 3,049 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 195.2000% | 421 |
| Efficiency ratio | 57.1124% | 4,694 |
| Assets per employee ($millions) | 5.0546% | 2,332 |
| Cash dividends to net income (ytd only)* | 31.2891% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 687 |
| Loan loss allowance to noncurrent loans | 797.2906% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,602 |
| Noncurrent loans to loans | 0.2419% | 4,165 |
| Net loans and leases to total assets | 58.1498% | 4,014 |
| Net loans and leases to deposits | 73.6629% | 3,584 |
| Net loans and leases to core deposits | 78.6059% | 3,541 |
| Total domestic deposits to total assets | 78.9405% | 4,630 |
| Equity capital to assets | 12.4216% | 1,658 |
| Core capital (leverage) ratio | 12.0355% | 1,616 |
| Tier 1 risk-based capital ratio | 11.9028% | 4,698 |
| Total risk-based capital ratio | 13.0323% | 4,663 |
| Memoranda: | ||
| Average total assets | $287,839,330 | 2,253 |
| Average earning assets | $272,324,330 | 2,219 |
| Average equity | $34,155,330 | 2,135 |
| Average total loans | $171,291,330 | 2,427 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 4,470 |
| Cost of funding earning assets | 0.4301% | 2,720 |
| Net interest margin | 3.1509% | 4,499 |
| Noninterest income to average assets | 0.2109% | 5,003 |
| Noninterest expense to average assets | 1.9102% | 5,222 |
| Loan and lease loss provision to assets | 0.0413% | 2,978 |
| Net operating income to assets | 0.8759% | 2,879 |
| Return on assets (ROA) | 1.1205% | 1,827 |
| Pretax return on assets | 1.5822% | 1,282 |
| Return on Equity (ROE) | 9.6633% | 2,116 |
| Retained earnings to average equity (ytd only) | 3.7203% | 3,582 |
| Net charge-offs to loans | 0.0023% | 2,885 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 928.0000% | 48 |
| Efficiency ratio | 58.5998% | 4,645 |
| Assets per employee ($millions) | 5.3088% | 2,065 |
| Cash dividends to net income (ytd only)* | 61.5006% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 831 |
| Loan loss allowance to noncurrent loans | 760.2837% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,669 |
| Noncurrent loans to loans | 0.2464% | 4,222 |
| Net loans and leases to total assets | 58.7645% | 3,910 |
| Net loans and leases to deposits | 77.1862% | 3,058 |
| Net loans and leases to core deposits | 80.2043% | 3,279 |
| Total domestic deposits to total assets | 76.1334% | 5,218 |
| Equity capital to assets | 11.9694% | 1,866 |
| Core capital (leverage) ratio | 11.7515% | 1,787 |
| Tier 1 risk-based capital ratio | 11.4548% | 5,059 |
| Total risk-based capital ratio | 12.5611% | 5,041 |
| Memoranda: | ||
| Average total assets | $290,231,500 | 2,257 |
| Average earning assets | $274,332,000 | 2,219 |
| Average equity | $33,653,000 | 2,166 |
| Average total loans | $173,020,500 | 2,427 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4625% | 4,867 |
| Cost of funding earning assets | 0.4401% | 2,610 |
| Net interest margin | 3.0224% | 4,911 |
| Noninterest income to average assets | 0.2533% | 4,904 |
| Noninterest expense to average assets | 1.9416% | 5,304 |
| Loan and lease loss provision to assets | 0.0421% | 3,543 |
| Net operating income to assets | 0.8215% | 3,198 |
| Return on assets (ROA) | 0.8955% | 2,967 |
| Pretax return on assets | 1.2365% | 2,526 |
| Return on Equity (ROE) | 7.9528% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.3952% | 1,501 |
| Net charge-offs to loans | 0.0172% | 3,727 |
| Credit loss provision to net charge-offs | 428.5714% | 749 |
| Earnings coverage of net charge-offs (x) | 119.7143% | 504 |
| Efficiency ratio | 60.9542% | 4,427 |
| Assets per employee ($millions) | 5.4406% | 1,916 |
| Cash dividends to net income (ytd only)* | 19.5848% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 901 |
| Loan loss allowance to noncurrent loans | 725.9681% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,721 |
| Noncurrent loans to loans | 0.2518% | 4,251 |
| Net loans and leases to total assets | 58.2647% | 4,043 |
| Net loans and leases to deposits | 80.6977% | 2,818 |
| Net loans and leases to core deposits | 83.5396% | 3,070 |
| Total domestic deposits to total assets | 72.2012% | 5,545 |
| Equity capital to assets | 11.2301% | 2,383 |
| Core capital (leverage) ratio | 11.8186% | 1,710 |
| Tier 1 risk-based capital ratio | 10.9547% | 5,363 |
| Total risk-based capital ratio | 12.0141% | 5,353 |
| Memoranda: | ||
| Average total assets | $285,078,000 | 2,248 |
| Average earning assets | $270,153,800 | 2,209 |
| Average equity | $32,102,000 | 2,219 |
| Average total loans | $162,562,400 | 2,493 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4762% | 4,877 |
| Cost of funding earning assets | 0.4527% | 2,533 |
| Net interest margin | 3.0235% | 4,968 |
| Noninterest income to average assets | 0.2540% | 4,943 |
| Noninterest expense to average assets | 1.8385% | 5,469 |
| Loan and lease loss provision to assets | 0.0424% | 3,383 |
| Net operating income to assets | 0.8950% | 2,933 |
| Return on assets (ROA) | 0.9351% | 2,852 |
| Pretax return on assets | 1.2965% | 2,441 |
| Return on Equity (ROE) | 8.2978% | 2,855 |
| Retained earnings to average equity (ytd only) | 6.2066% | 2,059 |
| Net charge-offs to loans | 0.0192% | 3,321 |
| Credit loss provision to net charge-offs | 391.3043% | 851 |
| Earnings coverage of net charge-offs (x) | 118.3756% | 581 |
| Efficiency ratio | 57.5483% | 4,883 |
| Assets per employee ($millions) | 5.4219% | 1,934 |
| Cash dividends to net income (ytd only)* | 25.2016% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 779 |
| Loan loss allowance to noncurrent loans | 669.4624% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,771 |
| Noncurrent loans to loans | 0.2916% | 4,215 |
| Net loans and leases to total assets | 55.4481% | 4,366 |
| Net loans and leases to deposits | 73.0587% | 3,694 |
| Net loans and leases to core deposits | 75.7319% | 3,870 |
| Total domestic deposits to total assets | 75.8953% | 5,247 |
| Equity capital to assets | 11.5602% | 2,463 |
| Core capital (leverage) ratio | 11.6603% | 1,918 |
| Tier 1 risk-based capital ratio | 10.6999% | 5,523 |
| Total risk-based capital ratio | 11.7455% | 5,540 |
| Memoranda: | ||
| Average total assets | $282,900,000 | 2,274 |
| Average earning assets | $268,334,750 | 2,227 |
| Average equity | $31,879,250 | 2,249 |
| Average total loans | $159,612,250 | 2,530 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 5,004 |
| Cost of funding earning assets | 0.4702% | 2,370 |
| Net interest margin | 2.9698% | 5,133 |
| Noninterest income to average assets | 0.2486% | 4,994 |
| Noninterest expense to average assets | 1.8057% | 5,592 |
| Loan and lease loss provision to assets | 0.0424% | 3,300 |
| Net operating income to assets | 0.8817% | 2,960 |
| Return on assets (ROA) | 0.8919% | 3,025 |
| Pretax return on assets | 1.2421% | 2,629 |
| Return on Equity (ROE) | 7.9832% | 2,979 |
| Retained earnings to average equity (ytd only) | 4.8228% | 2,855 |
| Net charge-offs to loans | 0.0313% | 2,842 |
| Credit loss provision to net charge-offs | 240.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 71.9600% | 758 |
| Efficiency ratio | 57.3462% | 4,988 |
| Assets per employee ($millions) | 5.1194% | 2,173 |
| Cash dividends to net income (ytd only)* | 39.5883% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 912 |
| Loan loss allowance to noncurrent loans | 652.7542% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,852 |
| Noncurrent loans to loans | 0.2896% | 4,337 |
| Net loans and leases to total assets | 55.7850% | 4,336 |
| Net loans and leases to deposits | 73.4812% | 3,653 |
| Net loans and leases to core deposits | 76.0075% | 3,821 |
| Total domestic deposits to total assets | 75.9174% | 5,298 |
| Equity capital to assets | 11.1714% | 2,879 |
| Core capital (leverage) ratio | 11.1881% | 2,249 |
| Tier 1 risk-based capital ratio | 10.1847% | 5,796 |
| Total risk-based capital ratio | 11.1933% | 5,816 |
| Memoranda: | ||
| Average total assets | $283,219,670 | 2,279 |
| Average earning assets | $269,650,670 | 2,234 |
| Average equity | $31,641,330 | 2,262 |
| Average total loans | $159,668,330 | 2,536 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 5,085 |
| Cost of funding earning assets | 0.4684% | 2,383 |
| Net interest margin | 2.9490% | 5,225 |
| Noninterest income to average assets | 0.2473% | 4,966 |
| Noninterest expense to average assets | 1.8004% | 5,651 |
| Loan and lease loss provision to assets | 0.0426% | 3,069 |
| Net operating income to assets | 0.8630% | 2,929 |
| Return on assets (ROA) | 0.8711% | 3,009 |
| Pretax return on assets | 1.2249% | 2,602 |
| Return on Equity (ROE) | 7.7969% | 3,033 |
| Retained earnings to average equity (ytd only) | 1.4373% | 4,692 |
| Net charge-offs to loans | 0.0025% | 3,035 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 884.0000% | 51 |
| Efficiency ratio | 57.5081% | 5,055 |
| Assets per employee ($millions) | 5.1731% | 2,168 |
| Cash dividends to net income (ytd only)* | 81.5661% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 938 |
| Loan loss allowance to noncurrent loans | 625.0000% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,876 |
| Noncurrent loans to loans | 0.3070% | 4,327 |
| Net loans and leases to total assets | 55.2502% | 4,332 |
| Net loans and leases to deposits | 71.2196% | 3,727 |
| Net loans and leases to core deposits | 73.6511% | 3,927 |
| Total domestic deposits to total assets | 77.5773% | 5,207 |
| Equity capital to assets | 11.0273% | 2,910 |
| Core capital (leverage) ratio | 11.1509% | 2,262 |
| Tier 1 risk-based capital ratio | 9.8768% | 5,934 |
| Total risk-based capital ratio | 10.8745% | 5,961 |
| Memoranda: | ||
| Average total assets | $281,485,500 | 2,300 |
| Average earning assets | $268,157,500 | 2,254 |
| Average equity | $31,448,500 | 2,278 |
| Average total loans | $157,997,500 | 2,549 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 5,427 |
| Cost of funding earning assets | 0.4713% | 2,430 |
| Net interest margin | 2.7823% | 5,547 |
| Noninterest income to average assets | 0.2637% | 4,993 |
| Noninterest expense to average assets | 1.8734% | 5,644 |
| Loan and lease loss provision to assets | 0.0429% | 3,475 |
| Net operating income to assets | 0.7193% | 3,711 |
| Return on assets (ROA) | 0.7594% | 3,623 |
| Pretax return on assets | 1.0507% | 3,264 |
| Return on Equity (ROE) | 6.8293% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.2224% | 2,261 |
| Net charge-offs to loans | -0.0201% | 5,267 |
| Credit loss provision to net charge-offs | -387.0968% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9020% | 4,461 |
| Assets per employee ($millions) | 4.8851% | 2,488 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 870 |
| Loan loss allowance to noncurrent loans | 606.7729% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 4,884 |
| Noncurrent loans to loans | 0.3224% | 4,303 |
| Net loans and leases to total assets | 54.8305% | 4,413 |
| Net loans and leases to deposits | 70.6614% | 3,845 |
| Net loans and leases to core deposits | 73.1263% | 4,028 |
| Total domestic deposits to total assets | 77.5961% | 5,230 |
| Equity capital to assets | 11.3205% | 2,525 |
| Core capital (leverage) ratio | 11.3743% | 2,062 |
| Tier 1 risk-based capital ratio | 9.8891% | 5,972 |
| Total risk-based capital ratio | 10.8833% | 6,013 |
| Memoranda: | ||
| Average total assets | $279,812,800 | 2,275 |
| Average earning assets | $266,257,800 | 2,225 |
| Average equity | $31,115,800 | 2,244 |
| Average total loans | $154,519,800 | 2,536 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 5,517 |
| Cost of funding earning assets | 0.4723% | 2,475 |
| Net interest margin | 2.7746% | 5,623 |
| Noninterest income to average assets | 0.2579% | 5,091 |
| Noninterest expense to average assets | 1.7971% | 5,780 |
| Loan and lease loss provision to assets | 0.0428% | 3,359 |
| Net operating income to assets | 0.7670% | 3,599 |
| Return on assets (ROA) | 0.7691% | 3,677 |
| Pretax return on assets | 1.0632% | 3,360 |
| Return on Equity (ROE) | 6.9472% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.7977% | 3,054 |
| Net charge-offs to loans | -0.0303% | 5,360 |
| Credit loss provision to net charge-offs | -257.1429% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5021% | 4,814 |
| Assets per employee ($millions) | 5.0095% | 2,286 |
| Cash dividends to net income (ytd only)* | 30.9406% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1035% | 774 |
| Loan loss allowance to noncurrent loans | 583.0116% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,980 |
| Noncurrent loans to loans | 0.3608% | 4,323 |
| Net loans and leases to total assets | 51.9563% | 4,764 |
| Net loans and leases to deposits | 64.4602% | 4,518 |
| Net loans and leases to core deposits | 66.7780% | 4,638 |
| Total domestic deposits to total assets | 80.6021% | 4,576 |
| Equity capital to assets | 11.5658% | 2,449 |
| Core capital (leverage) ratio | 11.1643% | 2,336 |
| Tier 1 risk-based capital ratio | 9.7639% | 6,089 |
| Total risk-based capital ratio | 10.7546% | 6,120 |
| Memoranda: | ||
| Average total assets | $280,153,250 | 2,281 |
| Average earning assets | $266,797,000 | 2,237 |
| Average equity | $31,014,250 | 2,267 |
| Average total loans | $154,219,250 | 2,553 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2495% | 5,536 |
| Cost of funding earning assets | 0.4673% | 2,541 |
| Net interest margin | 2.7822% | 5,654 |
| Noninterest income to average assets | 0.2477% | 5,177 |
| Noninterest expense to average assets | 1.7617% | 5,906 |
| Loan and lease loss provision to assets | 0.0423% | 3,263 |
| Net operating income to assets | 0.7880% | 3,449 |
| Return on assets (ROA) | 0.7905% | 3,531 |
| Pretax return on assets | 1.0947% | 3,196 |
| Return on Equity (ROE) | 7.2437% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.0099% | 3,465 |
| Net charge-offs to loans | -0.0444% | 5,500 |
| Credit loss provision to net charge-offs | -171.4286% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4100% | 5,059 |
| Assets per employee ($millions) | 4.6544% | 2,743 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 824 |
| Loan loss allowance to noncurrent loans | 569.5238% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 5,103 |
| Noncurrent loans to loans | 0.3724% | 4,375 |
| Net loans and leases to total assets | 50.2443% | 4,909 |
| Net loans and leases to deposits | 61.9908% | 4,700 |
| Net loans and leases to core deposits | 64.3017% | 4,789 |
| Total domestic deposits to total assets | 81.0513% | 4,603 |
| Equity capital to assets | 11.2490% | 2,619 |
| Core capital (leverage) ratio | 10.8602% | 2,559 |
| Tier 1 risk-based capital ratio | 9.2237% | 6,235 |
| Total risk-based capital ratio | 10.1668% | 6,251 |
| Memoranda: | ||
| Average total assets | $283,366,330 | 2,279 |
| Average earning assets | $269,644,330 | 2,234 |
| Average equity | $30,923,330 | 2,284 |
| Average total loans | $157,769,330 | 2,508 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3281% | 5,380 |
| Cost of funding earning assets | 0.4648% | 2,622 |
| Net interest margin | 2.8633% | 5,523 |
| Noninterest income to average assets | 0.2419% | 5,240 |
| Noninterest expense to average assets | 1.7446% | 5,965 |
| Loan and lease loss provision to assets | 0.0417% | 3,079 |
| Net operating income to assets | 0.8470% | 3,021 |
| Return on assets (ROA) | 0.8480% | 3,139 |
| Pretax return on assets | 1.1802% | 2,742 |
| Return on Equity (ROE) | 7.8864% | 3,010 |
| Retained earnings to average equity (ytd only) | 1.4221% | 4,914 |
| Net charge-offs to loans | 0.0024% | 3,235 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 878.0000% | 46 |
| Efficiency ratio | 57.4777% | 5,395 |
| Assets per employee ($millions) | 4.9641% | 2,402 |
| Cash dividends to net income (ytd only)* | 81.9672% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 981 |
| Loan loss allowance to noncurrent loans | 315.4261% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 4,652 |
| Noncurrent loans to loans | 0.6526% | 3,645 |
| Net loans and leases to total assets | 50.0491% | 4,845 |
| Net loans and leases to deposits | 61.8693% | 4,580 |
| Net loans and leases to core deposits | 63.9474% | 4,699 |
| Total domestic deposits to total assets | 80.8949% | 4,848 |
| Equity capital to assets | 11.1616% | 2,797 |
| Core capital (leverage) ratio | 10.3611% | 3,148 |
| Tier 1 risk-based capital ratio | 12.6234% | 4,829 |
| Total risk-based capital ratio | 13.8736% | 4,746 |
| Memoranda: | ||
| Average total assets | $287,744,500 | 2,265 |
| Average earning assets | $273,672,500 | 2,223 |
| Average equity | $30,939,500 | 2,296 |
| Average total loans | $166,171,000 | 2,422 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 5,578 |
| Cost of funding earning assets | 0.4941% | 2,726 |
| Net interest margin | 2.8799% | 5,684 |
| Noninterest income to average assets | 0.2954% | 5,008 |
| Noninterest expense to average assets | 1.8838% | 5,958 |
| Loan and lease loss provision to assets | 0.0432% | 3,702 |
| Net operating income to assets | 0.7816% | 3,464 |
| Return on assets (ROA) | 0.9750% | 2,580 |
| Pretax return on assets | 1.3754% | 1,975 |
| Return on Equity (ROE) | 9.2816% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.7404% | 1,112 |
| Net charge-offs to loans | 0.0280% | 4,257 |
| Credit loss provision to net charge-offs | 255.3191% | 999 |
| Earnings coverage of net charge-offs (x) | 67.7872% | 724 |
| Efficiency ratio | 60.7694% | 5,105 |
| Assets per employee ($millions) | 5.1293% | 2,153 |
| Cash dividends to net income (ytd only)* | 16.6052% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 2,378 |
| Loan loss allowance to noncurrent loans | 300.6231% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 4,749 |
| Noncurrent loans to loans | 0.5061% | 4,148 |
| Net loans and leases to total assets | 62.9889% | 3,363 |
| Net loans and leases to deposits | 89.1816% | 1,595 |
| Net loans and leases to core deposits | 92.2291% | 2,064 |
| Total domestic deposits to total assets | 70.6299% | 6,166 |
| Equity capital to assets | 10.3701% | 3,643 |
| Core capital (leverage) ratio | 10.3667% | 3,094 |
| Tier 1 risk-based capital ratio | 11.5561% | 5,628 |
| Total risk-based capital ratio | 12.7276% | 5,596 |
| Memoranda: | ||
| Average total assets | $277,952,600 | 2,295 |
| Average earning assets | $263,935,600 | 2,243 |
| Average equity | $29,197,400 | 2,328 |
| Average total loans | $167,731,800 | 2,342 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 5,614 |
| Cost of funding earning assets | 0.5011% | 2,747 |
| Net interest margin | 2.8876% | 5,725 |
| Noninterest income to average assets | 0.3076% | 4,980 |
| Noninterest expense to average assets | 1.8159% | 6,069 |
| Loan and lease loss provision to assets | 0.0439% | 3,516 |
| Net operating income to assets | 0.8505% | 3,175 |
| Return on assets (ROA) | 1.0669% | 2,235 |
| Pretax return on assets | 1.4961% | 1,656 |
| Return on Equity (ROE) | 10.1211% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.0367% | 1,341 |
| Net charge-offs to loans | 0.0337% | 3,810 |
| Credit loss provision to net charge-offs | 219.5122% | 1,177 |
| Earnings coverage of net charge-offs (x) | 61.7020% | 846 |
| Efficiency ratio | 59.5135% | 5,250 |
| Assets per employee ($millions) | 4.9422% | 2,313 |
| Cash dividends to net income (ytd only)* | 20.5951% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 1,846 |
| Loan loss allowance to noncurrent loans | 289.4153% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 4,849 |
| Noncurrent loans to loans | 0.6022% | 4,126 |
| Net loans and leases to total assets | 58.4858% | 4,004 |
| Net loans and leases to deposits | 72.4406% | 3,640 |
| Net loans and leases to core deposits | 74.7412% | 3,876 |
| Total domestic deposits to total assets | 80.7362% | 4,907 |
| Equity capital to assets | 10.9151% | 3,054 |
| Core capital (leverage) ratio | 10.3313% | 3,245 |
| Tier 1 risk-based capital ratio | 12.7430% | 5,016 |
| Total risk-based capital ratio | 13.9936% | 4,921 |
| Memoranda: | ||
| Average total assets | $273,065,750 | 2,354 |
| Average earning assets | $259,446,750 | 2,297 |
| Average equity | $28,784,000 | 2,370 |
| Average total loans | $162,093,000 | 2,424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 5,593 |
| Cost of funding earning assets | 0.5032% | 2,800 |
| Net interest margin | 2.9113% | 5,719 |
| Noninterest income to average assets | 0.3061% | 4,955 |
| Noninterest expense to average assets | 1.8394% | 6,090 |
| Loan and lease loss provision to assets | 0.0441% | 3,434 |
| Net operating income to assets | 0.8372% | 3,140 |
| Return on assets (ROA) | 1.1595% | 1,794 |
| Pretax return on assets | 1.6392% | 1,164 |
| Return on Equity (ROE) | 11.1343% | 1,698 |
| Retained earnings to average equity (ytd only) | 7.9551% | 1,344 |
| Net charge-offs to loans | 0.0521% | 3,224 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 39.7857% | 1,066 |
| Efficiency ratio | 59.9377% | 5,306 |
| Assets per employee ($millions) | 4.6431% | 2,710 |
| Cash dividends to net income (ytd only)* | 28.5533% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 1,990 |
| Loan loss allowance to noncurrent loans | 267.6720% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 4,855 |
| Noncurrent loans to loans | 0.6522% | 4,073 |
| Net loans and leases to total assets | 58.3523% | 3,942 |
| Net loans and leases to deposits | 71.6652% | 3,617 |
| Net loans and leases to core deposits | 73.7216% | 3,868 |
| Total domestic deposits to total assets | 81.4235% | 4,835 |
| Equity capital to assets | 10.6095% | 3,301 |
| Core capital (leverage) ratio | 10.3413% | 3,149 |
| Tier 1 risk-based capital ratio | 12.9387% | 4,951 |
| Total risk-based capital ratio | 14.1898% | 4,890 |
| Memoranda: | ||
| Average total assets | $271,833,330 | 2,358 |
| Average earning assets | $257,964,330 | 2,298 |
| Average equity | $28,309,000 | 2,387 |
| Average total loans | $161,211,330 | 2,432 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 5,400 |
| Cost of funding earning assets | 0.5111% | 2,798 |
| Net interest margin | 2.9960% | 5,531 |
| Noninterest income to average assets | 0.2851% | 5,087 |
| Noninterest expense to average assets | 1.7904% | 6,235 |
| Loan and lease loss provision to assets | 0.0443% | 3,214 |
| Net operating income to assets | 0.9030% | 2,634 |
| Return on assets (ROA) | 1.2970% | 1,270 |
| Pretax return on assets | 1.8451% | 737 |
| Return on Equity (ROE) | 12.5736% | 1,267 |
| Retained earnings to average equity (ytd only) | 6.1293% | 2,465 |
| Net charge-offs to loans | 0.1595% | 1,762 |
| Credit loss provision to net charge-offs | 46.8750% | 2,234 |
| Earnings coverage of net charge-offs (x) | 14.0313% | 1,631 |
| Efficiency ratio | 57.4408% | 5,712 |
| Assets per employee ($millions) | 4.8691% | 2,416 |
| Cash dividends to net income (ytd only)* | 51.2528% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 1,995 |
| Loan loss allowance to noncurrent loans | 428.2642% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 5,481 |
| Noncurrent loans to loans | 0.4234% | 4,870 |
| Net loans and leases to total assets | 55.3612% | 4,228 |
| Net loans and leases to deposits | 68.4959% | 3,799 |
| Net loans and leases to core deposits | 70.3991% | 4,047 |
| Total domestic deposits to total assets | 80.8241% | 5,286 |
| Equity capital to assets | 10.2893% | 3,488 |
| Core capital (leverage) ratio | 10.0951% | 3,434 |
| Tier 1 risk-based capital ratio | 13.0396% | 4,983 |
| Total risk-based capital ratio | 14.2911% | 4,913 |
| Memoranda: | ||
| Average total assets | $270,778,500 | 2,372 |
| Average earning assets | $255,941,500 | 2,315 |
| Average equity | $27,931,500 | 2,410 |
| Average total loans | $160,471,000 | 2,453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 5,616 |
| Cost of funding earning assets | 0.5781% | 2,854 |
| Net interest margin | 2.9353% | 5,720 |
| Noninterest income to average assets | 0.3041% | 5,169 |
| Noninterest expense to average assets | 1.7870% | 6,345 |
| Loan and lease loss provision to assets | 0.0778% | 3,555 |
| Net operating income to assets | 0.8498% | 3,035 |
| Return on assets (ROA) | 1.3677% | 1,139 |
| Pretax return on assets | 1.9570% | 530 |
| Return on Equity (ROE) | 14.0269% | 945 |
| Retained earnings to average equity (ytd only) | 14.0269% | 202 |
| Net charge-offs to loans | -0.0071% | 5,975 |
| Credit loss provision to net charge-offs | -1,909.0909% | 6,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9808% | 5,739 |
| Assets per employee ($millions) | 4.8015% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,442 |
| Loan loss allowance to noncurrent loans | 436.1669% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 5,556 |
| Noncurrent loans to loans | 0.3870% | 5,039 |
| Net loans and leases to total assets | 61.1330% | 3,510 |
| Net loans and leases to deposits | 79.6455% | 2,501 |
| Net loans and leases to core deposits | 81.7785% | 2,922 |
| Total domestic deposits to total assets | 76.7563% | 6,013 |
| Equity capital to assets | 10.3416% | 3,348 |
| Core capital (leverage) ratio | 10.1088% | 3,417 |
| Tier 1 risk-based capital ratio | 11.5683% | 5,870 |
| Total risk-based capital ratio | 12.7051% | 5,868 |
| Memoranda: | ||
| Average total assets | $269,949,400 | 2,347 |
| Average earning assets | $255,480,600 | 2,281 |
| Average equity | $26,320,800 | 2,519 |
| Average total loans | $155,959,200 | 2,477 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5199% | 5,640 |
| Cost of funding earning assets | 0.5921% | 2,878 |
| Net interest margin | 2.9278% | 5,747 |
| Noninterest income to average assets | 0.3059% | 5,255 |
| Noninterest expense to average assets | 1.6860% | 6,483 |
| Loan and lease loss provision to assets | 0.0888% | 3,284 |
| Net operating income to assets | 0.9099% | 2,780 |
| Return on assets (ROA) | 1.3120% | 1,375 |
| Pretax return on assets | 1.8878% | 725 |
| Return on Equity (ROE) | 13.6622% | 1,082 |
| Retained earnings to average equity (ytd only) | 13.6622% | 281 |
| Net charge-offs to loans | -0.0104% | 5,898 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7421% | 6,038 |
| Assets per employee ($millions) | 4.6986% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 2,094 |
| Loan loss allowance to noncurrent loans | 414.3917% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 5,668 |
| Noncurrent loans to loans | 0.4505% | 5,071 |
| Net loans and leases to total assets | 55.7977% | 4,349 |
| Net loans and leases to deposits | 69.6714% | 3,829 |
| Net loans and leases to core deposits | 71.6024% | 4,138 |
| Total domestic deposits to total assets | 80.0870% | 5,484 |
| Equity capital to assets | 10.1144% | 3,749 |
| Core capital (leverage) ratio | 9.6668% | 4,148 |
| Tier 1 risk-based capital ratio | 11.9708% | 5,796 |
| Total risk-based capital ratio | 13.2216% | 5,735 |
| Memoranda: | ||
| Average total assets | $270,215,250 | 2,359 |
| Average earning assets | $256,022,500 | 2,287 |
| Average equity | $25,949,250 | 2,582 |
| Average total loans | $153,149,000 | 2,527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 5,654 |
| Cost of funding earning assets | 0.6005% | 2,930 |
| Net interest margin | 2.9202% | 5,750 |
| Noninterest income to average assets | 0.2517% | 5,647 |
| Noninterest expense to average assets | 1.5452% | 6,642 |
| Loan and lease loss provision to assets | 0.0880% | 3,320 |
| Net operating income to assets | 0.9562% | 2,534 |
| Return on assets (ROA) | 1.4139% | 1,135 |
| Pretax return on assets | 2.0471% | 548 |
| Return on Equity (ROE) | 14.9798% | 815 |
| Retained earnings to average equity (ytd only) | 14.9798% | 235 |
| Net charge-offs to loans | -0.0117% | 5,809 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2160% | 6,336 |
| Assets per employee ($millions) | 4.8626% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,505 |
| Loan loss allowance to noncurrent loans | 362.5498% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 5,661 |
| Noncurrent loans to loans | 0.4904% | 5,037 |
| Net loans and leases to total assets | 55.3850% | 4,387 |
| Net loans and leases to deposits | 68.0535% | 4,003 |
| Net loans and leases to core deposits | 70.1973% | 4,251 |
| Total domestic deposits to total assets | 81.3845% | 5,238 |
| Equity capital to assets | 9.6337% | 4,409 |
| Core capital (leverage) ratio | 9.1393% | 4,772 |
| Tier 1 risk-based capital ratio | 11.4828% | 6,119 |
| Total risk-based capital ratio | 12.7331% | 6,084 |
| Memoranda: | ||
| Average total assets | $272,580,330 | 2,342 |
| Average earning assets | $258,130,330 | 2,280 |
| Average equity | $25,728,000 | 2,607 |
| Average total loans | $154,329,330 | 2,515 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 5,479 |
| Cost of funding earning assets | 0.6102% | 3,011 |
| Net interest margin | 2.9796% | 5,624 |
| Noninterest income to average assets | 0.2229% | 5,889 |
| Noninterest expense to average assets | 1.6442% | 6,627 |
| Loan and lease loss provision to assets | 0.0880% | 3,195 |
| Net operating income to assets | 0.9108% | 2,599 |
| Return on assets (ROA) | 1.1367% | 1,842 |
| Pretax return on assets | 1.6281% | 1,245 |
| Return on Equity (ROE) | 12.1686% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.1686% | 679 |
| Net charge-offs to loans | -0.0233% | 5,790 |
| Credit loss provision to net charge-offs | -666.6667% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1284% | 6,219 |
| Assets per employee ($millions) | 4.9543% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,649 |
| Loan loss allowance to noncurrent loans | 348.1095% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 5,739 |
| Noncurrent loans to loans | 0.5142% | 5,145 |
| Net loans and leases to total assets | 52.7983% | 4,583 |
| Net loans and leases to deposits | 64.4879% | 4,257 |
| Net loans and leases to core deposits | 66.5569% | 4,459 |
| Total domestic deposits to total assets | 81.8731% | 5,241 |
| Equity capital to assets | 9.4554% | 4,919 |
| Core capital (leverage) ratio | 8.7411% | 5,271 |
| Tier 1 risk-based capital ratio | 11.5996% | 6,131 |
| Total risk-based capital ratio | 12.8506% | 6,101 |
| Memoranda: | ||
| Average total assets | $272,718,000 | 2,367 |
| Average earning assets | $257,619,000 | 2,308 |
| Average equity | $25,475,500 | 2,663 |
| Average total loans | $154,721,000 | 2,524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 5,739 |
| Cost of funding earning assets | 0.8022% | 2,648 |
| Net interest margin | 3.0359% | 5,963 |
| Noninterest income to average assets | 0.2369% | 5,750 |
| Noninterest expense to average assets | 1.8223% | 6,595 |
| Loan and lease loss provision to assets | 0.1378% | 3,890 |
| Net operating income to assets | 0.8136% | 3,228 |
| Return on assets (ROA) | 1.0036% | 2,542 |
| Pretax return on assets | 1.4124% | 2,002 |
| Return on Equity (ROE) | 10.6304% | 1,927 |
| Retained earnings to average equity (ytd only) | 2.9272% | 4,166 |
| Net charge-offs to loans | 0.0936% | 4,739 |
| Credit loss provision to net charge-offs | 248.2759% | 990 |
| Earnings coverage of net charge-offs (x) | 23.1103% | 1,232 |
| Efficiency ratio | 58.6908% | 5,741 |
| Assets per employee ($millions) | 4.7857% | 2,517 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,211 |
| Loan loss allowance to noncurrent loans | 331.7602% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,793 |
| Noncurrent loans to loans | 0.4891% | 5,309 |
| Net loans and leases to total assets | 58.8395% | 3,832 |
| Net loans and leases to deposits | 72.4173% | 3,345 |
| Net loans and leases to core deposits | 74.9154% | 3,668 |
| Total domestic deposits to total assets | 81.2505% | 5,327 |
| Equity capital to assets | 9.2232% | 5,241 |
| Core capital (leverage) ratio | 8.5848% | 5,484 |
| Tier 1 risk-based capital ratio | 10.8178% | 6,418 |
| Total risk-based capital ratio | 12.0657% | 6,393 |
| Memoranda: | ||
| Average total assets | $261,261,800 | 2,425 |
| Average earning assets | $246,809,800 | 2,351 |
| Average equity | $24,665,200 | 2,693 |
| Average total loans | $154,989,600 | 2,506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 5,916 |
| Cost of funding earning assets | 0.8293% | 2,710 |
| Net interest margin | 3.0145% | 6,140 |
| Noninterest income to average assets | 0.2260% | 5,936 |
| Noninterest expense to average assets | 1.7695% | 6,712 |
| Loan and lease loss provision to assets | 0.1541% | 3,600 |
| Net operating income to assets | 0.8159% | 3,369 |
| Return on assets (ROA) | 1.0566% | 2,475 |
| Pretax return on assets | 1.4942% | 1,907 |
| Return on Equity (ROE) | 11.1253% | 1,912 |
| Retained earnings to average equity (ytd only) | 6.2576% | 2,518 |
| Net charge-offs to loans | 0.1623% | 3,821 |
| Credit loss provision to net charge-offs | 160.4278% | 1,739 |
| Earnings coverage of net charge-offs (x) | 13.6309% | 1,896 |
| Efficiency ratio | 57.4741% | 5,858 |
| Assets per employee ($millions) | 4.8027% | 2,438 |
| Cash dividends to net income (ytd only)* | 43.7530% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,411 |
| Loan loss allowance to noncurrent loans | 333.6449% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 6,006 |
| Noncurrent loans to loans | 0.4887% | 5,469 |
| Net loans and leases to total assets | 56.0597% | 4,442 |
| Net loans and leases to deposits | 68.5094% | 4,096 |
| Net loans and leases to core deposits | 70.6066% | 4,421 |
| Total domestic deposits to total assets | 81.8278% | 5,082 |
| Equity capital to assets | 9.4271% | 5,294 |
| Core capital (leverage) ratio | 8.8310% | 5,294 |
| Tier 1 risk-based capital ratio | 11.5611% | 6,192 |
| Total risk-based capital ratio | 12.8112% | 6,168 |
| Memoranda: | ||
| Average total assets | $259,578,000 | 2,463 |
| Average earning assets | $245,654,750 | 2,395 |
| Average equity | $24,652,000 | 2,716 |
| Average total loans | $153,664,750 | 2,548 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 5,841 |
| Cost of funding earning assets | 0.8631% | 2,703 |
| Net interest margin | 3.0643% | 6,088 |
| Noninterest income to average assets | 0.2230% | 5,972 |
| Noninterest expense to average assets | 1.7882% | 6,766 |
| Loan and lease loss provision to assets | 0.1872% | 3,230 |
| Net operating income to assets | 0.8136% | 3,341 |
| Return on assets (ROA) | 1.0240% | 2,590 |
| Pretax return on assets | 1.4428% | 2,044 |
| Return on Equity (ROE) | 10.7544% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.0686% | 2,065 |
| Net charge-offs to loans | 0.2562% | 3,043 |
| Credit loss provision to net charge-offs | 121.8274% | 2,255 |
| Earnings coverage of net charge-offs (x) | 8.6802% | 2,257 |
| Efficiency ratio | 57.2820% | 5,957 |
| Assets per employee ($millions) | 4.6472% | 2,647 |
| Cash dividends to net income (ytd only)* | 34.2727% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,486 |
| Loan loss allowance to noncurrent loans | 315.0454% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,041 |
| Noncurrent loans to loans | 0.5184% | 5,492 |
| Net loans and leases to total assets | 55.2282% | 4,588 |
| Net loans and leases to deposits | 67.0199% | 4,360 |
| Net loans and leases to core deposits | 69.1656% | 4,645 |
| Total domestic deposits to total assets | 82.4057% | 4,980 |
| Equity capital to assets | 9.4427% | 5,140 |
| Core capital (leverage) ratio | 8.8703% | 5,092 |
| Tier 1 risk-based capital ratio | 11.1134% | 6,446 |
| Total risk-based capital ratio | 12.3049% | 6,440 |
| Memoranda: | ||
| Average total assets | $256,454,330 | 2,487 |
| Average earning assets | $242,601,670 | 2,416 |
| Average equity | $24,418,000 | 2,728 |
| Average total loans | $153,796,000 | 2,556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 5,554 |
| Cost of funding earning assets | 0.8996% | 2,695 |
| Net interest margin | 3.1681% | 5,851 |
| Noninterest income to average assets | 0.2347% | 5,950 |
| Noninterest expense to average assets | 1.8665% | 6,705 |
| Loan and lease loss provision to assets | 0.1903% | 3,046 |
| Net operating income to assets | 0.8230% | 3,281 |
| Return on assets (ROA) | 1.1117% | 2,207 |
| Pretax return on assets | 1.5779% | 1,644 |
| Return on Equity (ROE) | 11.6250% | 1,798 |
| Retained earnings to average equity (ytd only) | 4.1624% | 4,096 |
| Net charge-offs to loans | 0.5117% | 1,810 |
| Credit loss provision to net charge-offs | 60.0000% | 3,112 |
| Earnings coverage of net charge-offs (x) | 4.2750% | 2,611 |
| Efficiency ratio | 57.9232% | 5,925 |
| Assets per employee ($millions) | 4.6396% | 2,750 |
| Cash dividends to net income (ytd only)* | 64.1940% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,841 |
| Loan loss allowance to noncurrent loans | 202.1034% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 5,770 |
| Noncurrent loans to loans | 0.7776% | 5,108 |
| Net loans and leases to total assets | 55.5868% | 4,456 |
| Net loans and leases to deposits | 67.1362% | 4,207 |
| Net loans and leases to core deposits | 69.6472% | 4,470 |
| Total domestic deposits to total assets | 82.7971% | 5,010 |
| Equity capital to assets | 9.3339% | 5,050 |
| Core capital (leverage) ratio | 8.8521% | 5,063 |
| Tier 1 risk-based capital ratio | 11.7567% | 6,121 |
| Total risk-based capital ratio | 12.9873% | 6,116 |
| Memoranda: | ||
| Average total assets | $252,235,500 | 2,543 |
| Average earning assets | $237,870,500 | 2,468 |
| Average equity | $24,120,500 | 2,755 |
| Average total loans | $156,332,000 | 2,533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 4,371 |
| Cost of funding earning assets | 1.1174% | 2,554 |
| Net interest margin | 3.5534% | 4,916 |
| Noninterest income to average assets | 0.2512% | 5,733 |
| Noninterest expense to average assets | 1.9709% | 6,726 |
| Loan and lease loss provision to assets | 0.2013% | 4,169 |
| Net operating income to assets | 0.9976% | 2,204 |
| Return on assets (ROA) | 1.0974% | 1,961 |
| Pretax return on assets | 1.5620% | 1,303 |
| Return on Equity (ROE) | 11.3486% | 1,603 |
| Retained earnings to average equity (ytd only) | 7.4457% | 1,292 |
| Net charge-offs to loans | -0.0283% | 6,996 |
| Credit loss provision to net charge-offs | -1,066.6667% | 6,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8745% | 6,440 |
| Assets per employee ($millions) | 4.2922% | 3,269 |
| Cash dividends to net income (ytd only)* | 34.3905% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,298 |
| Loan loss allowance to noncurrent loans | 7,230.3030% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 6,950 |
| Noncurrent loans to loans | 0.0199% | 6,778 |
| Net loans and leases to total assets | 66.8487% | 2,621 |
| Net loans and leases to deposits | 81.7650% | 2,234 |
| Net loans and leases to core deposits | 84.6066% | 2,800 |
| Total domestic deposits to total assets | 81.7571% | 5,207 |
| Equity capital to assets | 9.8057% | 4,437 |
| Core capital (leverage) ratio | 9.1316% | 4,573 |
| Tier 1 risk-based capital ratio | 9.9102% | 6,874 |
| Total risk-based capital ratio | 10.9948% | 6,905 |
| Memoranda: | ||
| Average total assets | $238,473,600 | 2,650 |
| Average earning assets | $224,180,600 | 2,562 |
| Average equity | $23,060,200 | 2,777 |
| Average total loans | $158,881,200 | 2,515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 4,458 |
| Cost of funding earning assets | 1.1581% | 2,582 |
| Net interest margin | 3.5435% | 5,009 |
| Noninterest income to average assets | 0.2279% | 5,986 |
| Noninterest expense to average assets | 1.9156% | 6,831 |
| Loan and lease loss provision to assets | 0.2026% | 3,992 |
| Net operating income to assets | 1.0132% | 2,273 |
| Return on assets (ROA) | 1.1019% | 2,106 |
| Pretax return on assets | 1.5768% | 1,446 |
| Return on Equity (ROE) | 11.4361% | 1,709 |
| Retained earnings to average equity (ytd only) | 6.1795% | 2,440 |
| Net charge-offs to loans | -0.0390% | 7,008 |
| Credit loss provision to net charge-offs | -782.6087% | 6,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6824% | 6,524 |
| Assets per employee ($millions) | 4.4550% | 2,996 |
| Cash dividends to net income (ytd only)* | 45.9653% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 4,422 |
| Loan loss allowance to noncurrent loans | 8,719.2308% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 7,039 |
| Noncurrent loans to loans | 0.0164% | 6,905 |
| Net loans and leases to total assets | 64.9559% | 3,116 |
| Net loans and leases to deposits | 79.5985% | 2,705 |
| Net loans and leases to core deposits | 82.2749% | 3,284 |
| Total domestic deposits to total assets | 81.6044% | 5,220 |
| Equity capital to assets | 9.7274% | 4,737 |
| Core capital (leverage) ratio | 9.0063% | 4,916 |
| Tier 1 risk-based capital ratio | 10.1674% | 6,906 |
| Total risk-based capital ratio | 11.2581% | 6,938 |
| Memoranda: | ||
| Average total assets | $236,928,500 | 2,677 |
| Average earning assets | $223,353,750 | 2,583 |
| Average equity | $22,827,750 | 2,800 |
| Average total loans | $157,118,000 | 2,563 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 4,566 |
| Cost of funding earning assets | 1.2075% | 2,531 |
| Net interest margin | 3.4837% | 5,229 |
| Noninterest income to average assets | 0.2265% | 6,042 |
| Noninterest expense to average assets | 1.9269% | 6,909 |
| Loan and lease loss provision to assets | 0.2036% | 3,887 |
| Net operating income to assets | 0.9670% | 2,364 |
| Return on assets (ROA) | 1.0080% | 2,292 |
| Pretax return on assets | 1.4373% | 1,701 |
| Return on Equity (ROE) | 10.4962% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.5204% | 2,130 |
| Net charge-offs to loans | -0.0370% | 6,972 |
| Credit loss provision to net charge-offs | -827.5862% | 6,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9081% | 6,520 |
| Assets per employee ($millions) | 4.3075% | 3,155 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,455 |
| Loan loss allowance to noncurrent loans | 1,745.9016% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,843 |
| Noncurrent loans to loans | 0.0817% | 6,779 |
| Net loans and leases to total assets | 61.0112% | 4,084 |
| Net loans and leases to deposits | 74.4475% | 3,724 |
| Net loans and leases to core deposits | 76.8323% | 4,208 |
| Total domestic deposits to total assets | 81.9520% | 5,183 |
| Equity capital to assets | 9.5888% | 4,673 |
| Core capital (leverage) ratio | 8.8560% | 4,952 |
| Tier 1 risk-based capital ratio | 10.7055% | 6,712 |
| Total risk-based capital ratio | 11.8022% | 6,766 |
| Memoranda: | ||
| Average total assets | $235,715,330 | 2,697 |
| Average earning assets | $222,118,670 | 2,623 |
| Average equity | $22,636,670 | 2,803 |
| Average total loans | $156,647,330 | 2,591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 4,068 |
| Cost of funding earning assets | 1.2579% | 2,450 |
| Net interest margin | 3.5403% | 4,852 |
| Noninterest income to average assets | 0.2146% | 6,200 |
| Noninterest expense to average assets | 1.9900% | 6,840 |
| Loan and lease loss provision to assets | 0.2060% | 3,581 |
| Net operating income to assets | 0.9493% | 2,362 |
| Return on assets (ROA) | 0.9650% | 2,361 |
| Pretax return on assets | 1.3753% | 1,794 |
| Return on Equity (ROE) | 10.0402% | 2,078 |
| Retained earnings to average equity (ytd only) | 2.0009% | 4,927 |
| Net charge-offs to loans | -0.0249% | 6,642 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0716% | 6,496 |
| Assets per employee ($millions) | 4.2460% | 3,352 |
| Cash dividends to net income (ytd only)* | 80.0712% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 5,177 |
| Loan loss allowance to noncurrent loans | 1,645.4545% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 6,906 |
| Noncurrent loans to loans | 0.0785% | 6,845 |
| Net loans and leases to total assets | 64.0185% | 3,436 |
| Net loans and leases to deposits | 78.3297% | 3,002 |
| Net loans and leases to core deposits | 80.6410% | 3,651 |
| Total domestic deposits to total assets | 81.7296% | 5,414 |
| Equity capital to assets | 9.3920% | 4,589 |
| Core capital (leverage) ratio | 8.8487% | 4,856 |
| Tier 1 risk-based capital ratio | 10.8801% | 6,585 |
| Total risk-based capital ratio | 11.9553% | 6,677 |
| Memoranda: | ||
| Average total assets | $232,964,000 | 2,750 |
| Average earning assets | $219,417,500 | 2,670 |
| Average equity | $22,390,000 | 2,817 |
| Average total loans | $160,321,000 | 2,558 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 3,408 |
| Cost of funding earning assets | 1.4462% | 2,983 |
| Net interest margin | 3.7941% | 3,978 |
| Noninterest income to average assets | 0.2678% | 5,872 |
| Noninterest expense to average assets | 1.9785% | 7,061 |
| Loan and lease loss provision to assets | 0.2281% | 4,993 |
| Net operating income to assets | 1.1306% | 1,610 |
| Return on assets (ROA) | 1.1325% | 1,681 |
| Pretax return on assets | 1.6372% | 1,057 |
| Return on Equity (ROE) | 11.5902% | 1,422 |
| Retained earnings to average equity (ytd only) | 11.5902% | 315 |
| Net charge-offs to loans | 0.0470% | 6,331 |
| Credit loss provision to net charge-offs | 694.4444% | 305 |
| Earnings coverage of net charge-offs (x) | 56.6944% | 416 |
| Efficiency ratio | 51.5087% | 7,026 |
| Assets per employee ($millions) | 4.1482% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 7,102 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.1315% | 2,074 |
| Net loans and leases to deposits | 92.4773% | 1,210 |
| Net loans and leases to core deposits | 95.1392% | 2,108 |
| Total domestic deposits to total assets | 77.9991% | 6,312 |
| Equity capital to assets | 9.8391% | 3,956 |
| Core capital (leverage) ratio | 9.1534% | 4,255 |
| Tier 1 risk-based capital ratio | 10.8288% | 6,465 |
| Total risk-based capital ratio | 11.8362% | 6,616 |
| Memoranda: | ||
| Average total assets | $219,157,000 | 2,881 |
| Average earning assets | $206,399,800 | 2,791 |
| Average equity | $21,414,600 | 2,961 |
| Average total loans | $153,057,400 | 2,723 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2298% | 3,686 |
| Cost of funding earning assets | 1.4627% | 3,203 |
| Net interest margin | 3.7671% | 4,107 |
| Noninterest income to average assets | 0.2698% | 5,958 |
| Noninterest expense to average assets | 1.9363% | 7,156 |
| Loan and lease loss provision to assets | 0.2336% | 4,736 |
| Net operating income to assets | 1.1475% | 1,739 |
| Return on assets (ROA) | 1.1501% | 1,836 |
| Pretax return on assets | 1.6578% | 1,195 |
| Return on Equity (ROE) | 11.7913% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.7913% | 482 |
| Net charge-offs to loans | 0.0089% | 6,541 |
| Credit loss provision to net charge-offs | 3,800.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 307.1688% | 103 |
| Efficiency ratio | 50.6349% | 7,104 |
| Assets per employee ($millions) | 4.0142% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,679 |
| Loan loss allowance to noncurrent loans | 653.2609% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 7,043 |
| Noncurrent loans to loans | 0.1771% | 6,830 |
| Net loans and leases to total assets | 69.7574% | 2,793 |
| Net loans and leases to deposits | 88.7769% | 1,892 |
| Net loans and leases to core deposits | 91.4625% | 2,883 |
| Total domestic deposits to total assets | 78.5761% | 6,127 |
| Equity capital to assets | 10.0579% | 4,083 |
| Core capital (leverage) ratio | 9.0733% | 4,564 |
| Tier 1 risk-based capital ratio | 11.1787% | 6,212 |
| Total risk-based capital ratio | 12.2180% | 6,389 |
| Memoranda: | ||
| Average total assets | $216,908,750 | 2,951 |
| Average earning assets | $204,643,250 | 2,860 |
| Average equity | $21,156,250 | 3,027 |
| Average total loans | $149,714,500 | 2,815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 3,859 |
| Cost of funding earning assets | 1.4678% | 3,443 |
| Net interest margin | 3.7512% | 4,125 |
| Noninterest income to average assets | 0.2644% | 6,026 |
| Noninterest expense to average assets | 1.9590% | 7,168 |
| Loan and lease loss provision to assets | 0.2412% | 4,502 |
| Net operating income to assets | 1.1120% | 1,813 |
| Return on assets (ROA) | 1.1159% | 1,866 |
| Pretax return on assets | 1.6065% | 1,285 |
| Return on Equity (ROE) | 11.5638% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.5638% | 555 |
| Net charge-offs to loans | 0.0108% | 6,197 |
| Credit loss provision to net charge-offs | 3,250.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 248.2500% | 133 |
| Efficiency ratio | 51.5373% | 7,113 |
| Assets per employee ($millions) | 3.9044% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,838 |
| Loan loss allowance to noncurrent loans | 802.3810% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 7,158 |
| Noncurrent loans to loans | 0.1399% | 6,978 |
| Net loans and leases to total assets | 67.8915% | 3,392 |
| Net loans and leases to deposits | 86.5426% | 2,425 |
| Net loans and leases to core deposits | 88.8828% | 3,428 |
| Total domestic deposits to total assets | 78.4486% | 6,166 |
| Equity capital to assets | 9.8249% | 4,237 |
| Core capital (leverage) ratio | 8.8757% | 4,797 |
| Tier 1 risk-based capital ratio | 11.1445% | 6,101 |
| Total risk-based capital ratio | 12.1482% | 6,335 |
| Memoranda: | ||
| Average total assets | $215,618,000 | 2,990 |
| Average earning assets | $203,296,670 | 2,894 |
| Average equity | $20,806,330 | 3,063 |
| Average total loans | $147,681,330 | 2,874 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 3,900 |
| Cost of funding earning assets | 1.4691% | 3,744 |
| Net interest margin | 3.7560% | 3,974 |
| Noninterest income to average assets | 0.2597% | 6,072 |
| Noninterest expense to average assets | 1.9710% | 7,211 |
| Loan and lease loss provision to assets | 0.2616% | 3,948 |
| Net operating income to assets | 1.0796% | 1,894 |
| Return on assets (ROA) | 1.0873% | 1,954 |
| Pretax return on assets | 1.5731% | 1,332 |
| Return on Equity (ROE) | 11.3736% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.3736% | 851 |
| Net charge-offs to loans | -0.0382% | 7,270 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9449% | 7,164 |
| Assets per employee ($millions) | 3.7537% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,890 |
| Loan loss allowance to noncurrent loans | 1,497.1698% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 7,364 |
| Noncurrent loans to loans | 0.0752% | 7,210 |
| Net loans and leases to total assets | 65.1545% | 4,069 |
| Net loans and leases to deposits | 82.9322% | 3,115 |
| Net loans and leases to core deposits | 85.0870% | 4,036 |
| Total domestic deposits to total assets | 78.5637% | 6,184 |
| Equity capital to assets | 9.6729% | 4,267 |
| Core capital (leverage) ratio | 8.8463% | 4,796 |
| Tier 1 risk-based capital ratio | 11.4133% | 5,749 |
| Total risk-based capital ratio | 12.4155% | 5,955 |
| Memoranda: | ||
| Average total assets | $214,102,500 | 3,056 |
| Average earning assets | $201,490,000 | 2,973 |
| Average equity | $20,468,500 | 3,137 |
| Average total loans | $146,457,500 | 2,955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5246% | 4,017 |
| Cost of funding earning assets | 1.8119% | 3,929 |
| Net interest margin | 3.7127% | 4,081 |
| Noninterest income to average assets | 0.2886% | 6,045 |
| Noninterest expense to average assets | 2.1261% | 7,127 |
| Loan and lease loss provision to assets | 0.3559% | 4,666 |
| Net operating income to assets | 0.9086% | 2,150 |
| Return on assets (ROA) | 0.9086% | 2,210 |
| Pretax return on assets | 1.3007% | 1,696 |
| Return on Equity (ROE) | 9.6877% | 1,784 |
| Retained earnings to average equity (ytd only) | 9.6877% | 401 |
| Net charge-offs to loans | 0.4570% | 3,954 |
| Credit loss provision to net charge-offs | 113.4969% | 4,833 |
| Earnings coverage of net charge-offs (x) | 5.2822% | 2,641 |
| Efficiency ratio | 56.2055% | 6,993 |
| Assets per employee ($millions) | 3.6939% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,663 |
| Loan loss allowance to noncurrent loans | 1,268.1416% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 7,368 |
| Noncurrent loans to loans | 0.0744% | 7,231 |
| Net loans and leases to total assets | 70.2422% | 3,201 |
| Net loans and leases to deposits | 91.6220% | 1,941 |
| Net loans and leases to core deposits | 104.7040% | 3,488 |
| Total domestic deposits to total assets | 76.6651% | 6,559 |
| Equity capital to assets | 9.4476% | 4,491 |
| Core capital (leverage) ratio | 8.6300% | 5,053 |
| Tier 1 risk-based capital ratio | 10.4654% | 6,436 |
| Total risk-based capital ratio | 11.3247% | 6,774 |
| Memoranda: | ||
| Average total assets | $207,895,800 | 3,081 |
| Average earning assets | $195,652,400 | 3,022 |
| Average equity | $19,499,000 | 3,278 |
| Average total loans | $142,683,200 | 3,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 4,432 |
| Cost of funding earning assets | 1.8799% | 3,987 |
| Net interest margin | 3.6179% | 4,417 |
| Noninterest income to average assets | 0.2850% | 6,193 |
| Noninterest expense to average assets | 2.0228% | 7,343 |
| Loan and lease loss provision to assets | 0.3231% | 4,404 |
| Net operating income to assets | 0.9468% | 2,244 |
| Return on assets (ROA) | 0.9468% | 2,307 |
| Pretax return on assets | 1.3507% | 1,824 |
| Return on Equity (ROE) | 10.1135% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.1135% | 622 |
| Net charge-offs to loans | 0.5025% | 3,216 |
| Credit loss provision to net charge-offs | 94.5180% | 5,354 |
| Earnings coverage of net charge-offs (x) | 4.8960% | 2,978 |
| Efficiency ratio | 54.7203% | 7,154 |
| Assets per employee ($millions) | 3.6720% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,816 |
| Loan loss allowance to noncurrent loans | 483.8235% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 7,221 |
| Noncurrent loans to loans | 0.1832% | 7,035 |
| Net loans and leases to total assets | 70.3100% | 3,434 |
| Net loans and leases to deposits | 94.1348% | 1,862 |
| Net loans and leases to core deposits | 106.4402% | 3,651 |
| Total domestic deposits to total assets | 74.6908% | 6,829 |
| Equity capital to assets | 9.5928% | 4,629 |
| Core capital (leverage) ratio | 8.6173% | 5,281 |
| Tier 1 risk-based capital ratio | 10.4658% | 6,507 |
| Total risk-based capital ratio | 11.2763% | 6,906 |
| Memoranda: | ||
| Average total assets | $206,308,250 | 3,121 |
| Average earning assets | $194,545,500 | 3,065 |
| Average equity | $19,313,500 | 3,339 |
| Average total loans | $140,373,000 | 3,109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 4,455 |
| Cost of funding earning assets | 1.9392% | 4,068 |
| Net interest margin | 3.5887% | 4,414 |
| Noninterest income to average assets | 0.2689% | 6,348 |
| Noninterest expense to average assets | 2.0330% | 7,406 |
| Loan and lease loss provision to assets | 0.2143% | 4,902 |
| Net operating income to assets | 0.9790% | 2,181 |
| Return on assets (ROA) | 0.9790% | 2,276 |
| Pretax return on assets | 1.4018% | 1,720 |
| Return on Equity (ROE) | 10.5464% | 1,835 |
| Retained earnings to average equity (ytd only) | 10.5464% | 632 |
| Net charge-offs to loans | 0.0538% | 5,738 |
| Credit loss provision to net charge-offs | 594.5946% | 785 |
| Earnings coverage of net charge-offs (x) | 44.8378% | 749 |
| Efficiency ratio | 55.7128% | 7,145 |
| Assets per employee ($millions) | 3.3964% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,392 |
| Loan loss allowance to noncurrent loans | 174.6286% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 6,410 |
| Noncurrent loans to loans | 0.6469% | 5,957 |
| Net loans and leases to total assets | 64.5532% | 4,867 |
| Net loans and leases to deposits | 83.5365% | 3,962 |
| Net loans and leases to core deposits | 94.1845% | 5,095 |
| Total domestic deposits to total assets | 77.2754% | 6,263 |
| Equity capital to assets | 9.4261% | 4,705 |
| Core capital (leverage) ratio | 8.4485% | 5,528 |
| Tier 1 risk-based capital ratio | 10.8067% | 6,074 |
| Total risk-based capital ratio | 11.7996% | 6,285 |
| Memoranda: | ||
| Average total assets | $205,310,000 | 3,161 |
| Average earning assets | $193,383,000 | 3,101 |
| Average equity | $19,058,670 | 3,380 |
| Average total loans | $137,671,670 | 3,190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 4,383 |
| Cost of funding earning assets | 1.9949% | 4,157 |
| Net interest margin | 3.6008% | 4,310 |
| Noninterest income to average assets | 0.2505% | 6,450 |
| Noninterest expense to average assets | 1.9376% | 7,474 |
| Loan and lease loss provision to assets | 0.1957% | 4,481 |
| Net operating income to assets | 1.0510% | 2,129 |
| Return on assets (ROA) | 1.0510% | 2,261 |
| Pretax return on assets | 1.5051% | 1,658 |
| Return on Equity (ROE) | 11.4113% | 1,844 |
| Retained earnings to average equity (ytd only) | 11.4113% | 901 |
| Net charge-offs to loans | -0.0317% | 7,569 |
| Credit loss provision to net charge-offs | -909.0909% | 6,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2544% | 7,289 |
| Assets per employee ($millions) | 3.3788% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,763 |
| Loan loss allowance to noncurrent loans | 224.6914% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 6,554 |
| Noncurrent loans to loans | 0.4711% | 6,239 |
| Net loans and leases to total assets | 67.1279% | 4,315 |
| Net loans and leases to deposits | 86.9236% | 3,485 |
| Net loans and leases to core deposits | 97.9727% | 4,750 |
| Total domestic deposits to total assets | 77.2263% | 6,220 |
| Equity capital to assets | 9.4256% | 4,775 |
| Core capital (leverage) ratio | 8.3799% | 5,758 |
| Tier 1 risk-based capital ratio | 10.4495% | 6,446 |
| Total risk-based capital ratio | 11.3914% | 6,680 |
| Memoranda: | ||
| Average total assets | $204,374,500 | 3,193 |
| Average earning assets | $192,292,000 | 3,123 |
| Average equity | $18,823,500 | 3,438 |
| Average total loans | $138,872,500 | 3,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0482% | 5,308 |
| Cost of funding earning assets | 2.5844% | 3,764 |
| Net interest margin | 3.4638% | 5,424 |
| Noninterest income to average assets | 0.3362% | 6,051 |
| Noninterest expense to average assets | 2.0452% | 7,360 |
| Loan and lease loss provision to assets | 0.0778% | 6,425 |
| Net operating income to assets | 1.0074% | 2,526 |
| Return on assets (ROA) | 0.9242% | 2,750 |
| Pretax return on assets | 1.3403% | 2,168 |
| Return on Equity (ROE) | 10.4458% | 2,105 |
| Retained earnings to average equity (ytd only) | 4.8406% | 2,119 |
| Net charge-offs to loans | 0.0600% | 5,921 |
| Credit loss provision to net charge-offs | 204.0000% | 2,381 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 920 |
| Efficiency ratio | 57.0678% | 6,860 |
| Assets per employee ($millions) | 3.6790% | 4,218 |
| Cash dividends to net income (ytd only)* | 53.6599% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,353 |
| Loan loss allowance to noncurrent loans | 190.5099% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,228 |
| Noncurrent loans to loans | 0.5036% | 5,840 |
| Net loans and leases to total assets | 67.3994% | 4,569 |
| Net loans and leases to deposits | 94.2887% | 2,713 |
| Net loans and leases to core deposits | 104.9125% | 4,311 |
| Total domestic deposits to total assets | 71.4820% | 7,090 |
| Equity capital to assets | 8.9985% | 5,368 |
| Core capital (leverage) ratio | 8.2348% | 6,092 |
| Tier 1 risk-based capital ratio | 9.9545% | 6,790 |
| Total risk-based capital ratio | 10.8132% | 7,146 |
| Memoranda: | ||
| Average total assets | $196,603,200 | 3,184 |
| Average earning assets | $184,336,200 | 3,128 |
| Average equity | $17,394,600 | 3,665 |
| Average total loans | $124,977,800 | 3,350 |