Home > First Nebraska Bank > Performance and Condition Ratios
First Nebraska Bank, 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 | 5.3005% | 1,494 |
| Cost of funding earning assets | 1.1401% | 2,958 |
| Net interest margin | 4.1604% | 990 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.9714% | 1,162 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 0.8814% | 2,605 |
| Return on assets (ROA) | 0.8653% | 2,628 |
| Pretax return on assets | 0.8847% | 3,002 |
| Return on Equity (ROE) | 12.2700% | 1,895 |
| Retained earnings to average equity (ytd only) | 4.8985% | 2,634 |
| Net charge-offs to loans | 0.5685% | 175 |
| Credit loss provision to net charge-offs | 134.7687% | 1,559 |
| Earnings coverage of net charge-offs (x) | 3.9330% | 2,619 |
| Efficiency ratio | 68.2947% | 2,071 |
| Assets per employee ($millions) | 4.9637% | 3,669 |
| Cash dividends to net income (ytd only)* | 60.0707% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,229 |
| Loan loss allowance to noncurrent loans | 113.2678% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 770 |
| Noncurrent loans to loans | 1.0693% | 684 |
| Net loans and leases to total assets | 63.1300% | 2,557 |
| Net loans and leases to deposits | 70.5365% | 2,844 |
| Net loans and leases to core deposits | 71.1691% | 3,238 |
| Total domestic deposits to total assets | 89.5000% | 905 |
| Equity capital to assets | 7.8324% | 3,521 |
| Core capital (leverage) ratio | 9.6761% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4545% | 2,082 |
| Memoranda: | ||
| Average total assets | $359,768,400 | 2,160 |
| Average earning assets | $328,572,800 | 2,182 |
| Average equity | $25,375,200 | 2,497 |
| Average total loans | $220,578,800 | 2,160 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 1,505 |
| Cost of funding earning assets | 1.0342% | 2,942 |
| Net interest margin | 4.1378% | 1,007 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.9081% | 1,213 |
| Loan and lease loss provision to assets | 0.5800% | 130 |
| Net operating income to assets | 0.8179% | 2,969 |
| Return on assets (ROA) | 0.8069% | 2,995 |
| Pretax return on assets | 0.8184% | 3,293 |
| Return on Equity (ROE) | 11.7600% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.1830% | 2,875 |
| Net charge-offs to loans | 0.7635% | 117 |
| Credit loss provision to net charge-offs | 125.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 3.0407% | 2,451 |
| Efficiency ratio | 67.2409% | 2,107 |
| Assets per employee ($millions) | 4.9045% | 3,672 |
| Cash dividends to net income (ytd only)* | 55.9376% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,300 |
| Loan loss allowance to noncurrent loans | 669.1139% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,810 |
| Noncurrent loans to loans | 0.1811% | 2,638 |
| Net loans and leases to total assets | 61.8800% | 2,668 |
| Net loans and leases to deposits | 68.4855% | 2,946 |
| Net loans and leases to core deposits | 68.9874% | 3,270 |
| Total domestic deposits to total assets | 90.3600% | 848 |
| Equity capital to assets | 6.8206% | 3,698 |
| Core capital (leverage) ratio | 9.5738% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8975% | 1,934 |
| Memoranda: | ||
| Average total assets | $360,364,000 | 2,161 |
| Average earning assets | $329,764,500 | 2,184 |
| Average equity | $24,721,000 | 2,518 |
| Average total loans | $218,629,250 | 2,166 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 1,463 |
| Cost of funding earning assets | 0.9489% | 2,777 |
| Net interest margin | 4.1029% | 1,083 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.8967% | 1,216 |
| Loan and lease loss provision to assets | 0.5700% | 122 |
| Net operating income to assets | 0.8135% | 3,039 |
| Return on assets (ROA) | 0.8315% | 2,995 |
| Pretax return on assets | 0.8392% | 3,302 |
| Return on Equity (ROE) | 12.1000% | 2,125 |
| Retained earnings to average equity (ytd only) | 6.7480% | 2,369 |
| Net charge-offs to loans | 0.6874% | 122 |
| Credit loss provision to net charge-offs | 137.6330% | 1,249 |
| Earnings coverage of net charge-offs (x) | 3.3657% | 2,263 |
| Efficiency ratio | 67.4606% | 2,052 |
| Assets per employee ($millions) | 5.0365% | 3,569 |
| Cash dividends to net income (ytd only)* | 44.2244% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,348 |
| Loan loss allowance to noncurrent loans | 291.6295% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 1,947 |
| Noncurrent loans to loans | 0.4185% | 1,677 |
| Net loans and leases to total assets | 59.1400% | 2,855 |
| Net loans and leases to deposits | 64.7415% | 3,141 |
| Net loans and leases to core deposits | 65.3368% | 3,388 |
| Total domestic deposits to total assets | 91.3400% | 543 |
| Equity capital to assets | 7.1593% | 3,710 |
| Core capital (leverage) ratio | 9.2341% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0902% | 1,856 |
| Memoranda: | ||
| Average total assets | $364,411,000 | 2,149 |
| Average earning assets | $334,299,333 | 2,166 |
| Average equity | $25,044,333 | 2,520 |
| Average total loans | $218,794,333 | 2,158 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 1,244 |
| Cost of funding earning assets | 0.8765% | 2,448 |
| Net interest margin | 4.1123% | 1,080 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.9058% | 1,220 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.0975% | 2,238 |
| Return on assets (ROA) | 1.1190% | 2,135 |
| Pretax return on assets | 1.1343% | 2,609 |
| Return on Equity (ROE) | 16.6200% | 1,239 |
| Retained earnings to average equity (ytd only) | 8.5440% | 2,072 |
| Net charge-offs to loans | 0.0072% | 1,675 |
| Credit loss provision to net charge-offs | 6,375.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 353 |
| Efficiency ratio | 67.5190% | 2,032 |
| Assets per employee ($millions) | 4.9560% | 3,691 |
| Cash dividends to net income (ytd only)* | 48.5909% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,482 |
| Loan loss allowance to noncurrent loans | 156.7699% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 1,140 |
| Noncurrent loans to loans | 0.7746% | 992 |
| Net loans and leases to total assets | 57.2700% | 2,933 |
| Net loans and leases to deposits | 62.5726% | 3,193 |
| Net loans and leases to core deposits | 63.0842% | 3,386 |
| Total domestic deposits to total assets | 91.5200% | 645 |
| Equity capital to assets | 7.0111% | 3,824 |
| Core capital (leverage) ratio | 8.9066% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7822% | 2,054 |
| Memoranda: | ||
| Average total assets | $367,820,000 | 2,164 |
| Average earning assets | $337,716,500 | 2,180 |
| Average equity | $24,766,000 | 2,564 |
| Average total loans | $221,153,000 | 2,165 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 1,730 |
| Cost of funding earning assets | 0.3333% | 2,604 |
| Net interest margin | 3.6616% | 1,468 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.8693% | 1,173 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.8020% | 3,316 |
| Return on assets (ROA) | 0.7966% | 3,266 |
| Pretax return on assets | 0.8360% | 3,529 |
| Return on Equity (ROE) | 11.2600% | 2,394 |
| Retained earnings to average equity (ytd only) | 3.5854% | 3,543 |
| Net charge-offs to loans | 0.4702% | 162 |
| Credit loss provision to net charge-offs | 59.7015% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.7045% | 2,454 |
| Efficiency ratio | 73.9248% | 1,224 |
| Assets per employee ($millions) | 4.9186% | 3,736 |
| Cash dividends to net income (ytd only)* | 68.1664% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,285 |
| Loan loss allowance to noncurrent loans | 64.5251% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 443 |
| Noncurrent loans to loans | 1.5721% | 409 |
| Net loans and leases to total assets | 61.6300% | 2,482 |
| Net loans and leases to deposits | 67.4940% | 2,769 |
| Net loans and leases to core deposits | 68.0944% | 3,005 |
| Total domestic deposits to total assets | 91.3200% | 835 |
| Equity capital to assets | 6.4569% | 3,915 |
| Core capital (leverage) ratio | 8.7574% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0153% | 2,368 |
| Memoranda: | ||
| Average total assets | $371,065,000 | 2,137 |
| Average earning assets | $339,309,600 | 2,159 |
| Average equity | $26,245,000 | 2,519 |
| Average total loans | $213,757,400 | 2,141 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 1,634 |
| Cost of funding earning assets | 0.2154% | 3,083 |
| Net interest margin | 3.6249% | 1,337 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.8983% | 1,061 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8804% | 2,963 |
| Return on assets (ROA) | 0.8711% | 2,971 |
| Pretax return on assets | 0.9074% | 3,293 |
| Return on Equity (ROE) | 12.0600% | 2,013 |
| Retained earnings to average equity (ytd only) | 5.2783% | 3,003 |
| Net charge-offs to loans | 0.0019% | 2,221 |
| Credit loss provision to net charge-offs | 1,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 865.3333% | 183 |
| Efficiency ratio | 75.5012% | 1,122 |
| Assets per employee ($millions) | 5.1935% | 3,506 |
| Cash dividends to net income (ytd only)* | 56.2191% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,207 |
| Loan loss allowance to noncurrent loans | 145.8947% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 1,077 |
| Noncurrent loans to loans | 0.8655% | 909 |
| Net loans and leases to total assets | 57.9700% | 2,702 |
| Net loans and leases to deposits | 63.3786% | 2,912 |
| Net loans and leases to core deposits | 64.0754% | 3,108 |
| Total domestic deposits to total assets | 91.4600% | 1,064 |
| Equity capital to assets | 5.7844% | 4,045 |
| Core capital (leverage) ratio | 8.6318% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1781% | 2,397 |
| Memoranda: | ||
| Average total assets | $371,607,750 | 2,146 |
| Average earning assets | $339,749,250 | 2,166 |
| Average equity | $26,851,500 | 2,523 |
| Average total loans | $209,774,000 | 2,168 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 1,593 |
| Cost of funding earning assets | 0.1868% | 3,090 |
| Net interest margin | 3.4925% | 1,334 |
| Noninterest income to average assets | 0.5183% | 2,094 |
| Noninterest expense to average assets | 2.9312% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7593% | 3,113 |
| Return on assets (ROA) | 0.7443% | 3,119 |
| Pretax return on assets | 0.7777% | 3,383 |
| Return on Equity (ROE) | 9.6530% | 2,472 |
| Retained earnings to average equity (ytd only) | 2.7630% | 3,528 |
| Net charge-offs to loans | 0.0010% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,471.0000% | 80 |
| Efficiency ratio | 78.5114% | 1,054 |
| Assets per employee ($millions) | 4.7718% | 3,870 |
| Cash dividends to net income (ytd only)* | 71.3768% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,322 |
| Loan loss allowance to noncurrent loans | 277.0010% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 1,994 |
| Noncurrent loans to loans | 0.4590% | 1,739 |
| Net loans and leases to total assets | 56.3152% | 2,722 |
| Net loans and leases to deposits | 61.4868% | 2,928 |
| Net loans and leases to core deposits | 62.2273% | 3,093 |
| Total domestic deposits to total assets | 91.5892% | 1,004 |
| Equity capital to assets | 6.5356% | 4,005 |
| Core capital (leverage) ratio | 8.7369% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,832,000 | 2,155 |
| Average earning assets | $340,442,667 | 2,179 |
| Average equity | $28,592,000 | 2,490 |
| Average total loans | $206,521,333 | 2,188 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 2,235 |
| Cost of funding earning assets | 0.2050% | 2,725 |
| Net interest margin | 3.1466% | 2,037 |
| Noninterest income to average assets | 0.5373% | 1,958 |
| Noninterest expense to average assets | 3.0291% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3711% | 4,018 |
| Return on assets (ROA) | 0.3578% | 4,008 |
| Pretax return on assets | 0.3818% | 4,066 |
| Return on Equity (ROE) | 4.3049% | 3,803 |
| Retained earnings to average equity (ytd only) | -4.2003% | 4,389 |
| Net charge-offs to loans | 0.0020% | 1,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 273 |
| Efficiency ratio | 88.2185% | 623 |
| Assets per employee ($millions) | 4.3975% | 4,198 |
| Cash dividends to net income (ytd only)* | 197.5684% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,129 |
| Loan loss allowance to noncurrent loans | 89.9080% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 699 |
| Noncurrent loans to loans | 1.4979% | 553 |
| Net loans and leases to total assets | 52.3689% | 2,953 |
| Net loans and leases to deposits | 57.5853% | 3,113 |
| Net loans and leases to core deposits | 58.2730% | 3,286 |
| Total domestic deposits to total assets | 90.9414% | 1,068 |
| Equity capital to assets | 7.2196% | 4,091 |
| Core capital (leverage) ratio | 8.3345% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,763,500 | 2,173 |
| Average earning assets | $337,508,500 | 2,200 |
| Average equity | $30,569,500 | 2,453 |
| Average total loans | $202,269,500 | 2,209 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8524% | 1,737 |
| Cost of funding earning assets | 0.2724% | 2,682 |
| Net interest margin | 3.5801% | 1,521 |
| Noninterest income to average assets | 0.9547% | 1,086 |
| Noninterest expense to average assets | 3.1410% | 798 |
| Loan and lease loss provision to assets | 0.0171% | 2,731 |
| Net operating income to assets | 1.0191% | 2,592 |
| Return on assets (ROA) | 1.0361% | 2,605 |
| Pretax return on assets | 1.0784% | 3,038 |
| Return on Equity (ROE) | 10.7911% | 2,239 |
| Retained earnings to average equity (ytd only) | 3.3510% | 3,474 |
| Net charge-offs to loans | 0.0313% | 1,614 |
| Credit loss provision to net charge-offs | 95.2381% | 1,848 |
| Earnings coverage of net charge-offs (x) | 59.8730% | 1,174 |
| Efficiency ratio | 74.2753% | 1,273 |
| Assets per employee ($millions) | 4.1040% | 4,384 |
| Cash dividends to net income (ytd only)* | 68.9465% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,102 |
| Loan loss allowance to noncurrent loans | 87.6603% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8840% | 664 |
| Noncurrent loans to loans | 1.5488% | 575 |
| Net loans and leases to total assets | 56.3020% | 2,566 |
| Net loans and leases to deposits | 63.4058% | 2,742 |
| Net loans and leases to core deposits | 64.2465% | 2,958 |
| Total domestic deposits to total assets | 88.7964% | 1,617 |
| Equity capital to assets | 9.4968% | 3,152 |
| Core capital (leverage) ratio | 9.0171% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,951,600 | 2,196 |
| Average earning assets | $319,072,800 | 2,238 |
| Average equity | $33,601,800 | 2,350 |
| Average total loans | $201,137,400 | 2,226 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 1,577 |
| Cost of funding earning assets | 0.2887% | 2,700 |
| Net interest margin | 3.6952% | 1,345 |
| Noninterest income to average assets | 0.9370% | 1,180 |
| Noninterest expense to average assets | 3.1015% | 820 |
| Loan and lease loss provision to assets | 0.0229% | 2,534 |
| Net operating income to assets | 1.1373% | 2,413 |
| Return on assets (ROA) | 1.1535% | 2,410 |
| Pretax return on assets | 1.1966% | 2,943 |
| Return on Equity (ROE) | 11.9797% | 2,055 |
| Retained earnings to average equity (ytd only) | 4.6436% | 3,360 |
| Net charge-offs to loans | 0.0325% | 1,413 |
| Credit loss provision to net charge-offs | 122.4490% | 1,452 |
| Earnings coverage of net charge-offs (x) | 64.2857% | 1,101 |
| Efficiency ratio | 71.8797% | 1,417 |
| Assets per employee ($millions) | 4.1809% | 4,343 |
| Cash dividends to net income (ytd only)* | 61.2380% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,968 |
| Loan loss allowance to noncurrent loans | 83.3232% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 762 |
| Noncurrent loans to loans | 1.6972% | 594 |
| Net loans and leases to total assets | 52.6663% | 3,119 |
| Net loans and leases to deposits | 59.3379% | 3,289 |
| Net loans and leases to core deposits | 59.9126% | 3,473 |
| Total domestic deposits to total assets | 88.7567% | 1,429 |
| Equity capital to assets | 9.3513% | 3,510 |
| Core capital (leverage) ratio | 8.9544% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,204,250 | 2,224 |
| Average earning assets | $318,209,250 | 2,261 |
| Average equity | $33,622,750 | 2,381 |
| Average total loans | $201,059,750 | 2,265 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 1,545 |
| Cost of funding earning assets | 0.3083% | 2,697 |
| Net interest margin | 3.7012% | 1,349 |
| Noninterest income to average assets | 1.1232% | 899 |
| Noninterest expense to average assets | 3.1397% | 796 |
| Loan and lease loss provision to assets | 0.0348% | 2,291 |
| Net operating income to assets | 1.2730% | 1,941 |
| Return on assets (ROA) | 1.2888% | 1,971 |
| Pretax return on assets | 1.3329% | 2,545 |
| Return on Equity (ROE) | 13.2508% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.0850% | 2,767 |
| Net charge-offs to loans | 0.0472% | 1,159 |
| Credit loss provision to net charge-offs | 125.0000% | 1,236 |
| Earnings coverage of net charge-offs (x) | 48.4792% | 1,081 |
| Efficiency ratio | 69.7401% | 1,676 |
| Assets per employee ($millions) | 4.1912% | 4,334 |
| Cash dividends to net income (ytd only)* | 54.0784% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 2,089 |
| Loan loss allowance to noncurrent loans | 72.6480% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 717 |
| Noncurrent loans to loans | 1.8906% | 527 |
| Net loans and leases to total assets | 54.1372% | 3,114 |
| Net loans and leases to deposits | 61.1052% | 3,290 |
| Net loans and leases to core deposits | 61.7554% | 3,486 |
| Total domestic deposits to total assets | 88.5967% | 1,509 |
| Equity capital to assets | 9.3566% | 3,463 |
| Core capital (leverage) ratio | 8.8831% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,360,000 | 2,232 |
| Average earning assets | $313,359,667 | 2,269 |
| Average equity | $33,492,333 | 2,381 |
| Average total loans | $203,308,000 | 2,261 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 1,889 |
| Cost of funding earning assets | 0.3489% | 2,526 |
| Net interest margin | 3.5276% | 1,754 |
| Noninterest income to average assets | 1.0795% | 1,012 |
| Noninterest expense to average assets | 3.1883% | 729 |
| Loan and lease loss provision to assets | 0.0359% | 2,300 |
| Net operating income to assets | 0.9933% | 2,832 |
| Return on assets (ROA) | 0.9933% | 2,925 |
| Pretax return on assets | 1.0376% | 3,265 |
| Return on Equity (ROE) | 10.0060% | 2,683 |
| Retained earnings to average equity (ytd only) | 2.1700% | 3,976 |
| Net charge-offs to loans | -0.0020% | 3,131 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6139% | 1,257 |
| Assets per employee ($millions) | 4.3416% | 4,245 |
| Cash dividends to net income (ytd only)* | 78.3133% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,187 |
| Loan loss allowance to noncurrent loans | 76.4999% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 808 |
| Noncurrent loans to loans | 1.7690% | 668 |
| Net loans and leases to total assets | 56.6556% | 2,963 |
| Net loans and leases to deposits | 63.7793% | 3,143 |
| Net loans and leases to core deposits | 64.4712% | 3,371 |
| Total domestic deposits to total assets | 88.8308% | 1,429 |
| Equity capital to assets | 9.2359% | 3,463 |
| Core capital (leverage) ratio | 9.1779% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,224,500 | 2,264 |
| Average earning assets | $301,510,000 | 2,317 |
| Average equity | $33,180,000 | 2,387 |
| Average total loans | $204,887,000 | 2,246 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,564 |
| Cost of funding earning assets | 0.5361% | 2,709 |
| Net interest margin | 3.8722% | 1,297 |
| Noninterest income to average assets | 1.4771% | 559 |
| Noninterest expense to average assets | 3.3382% | 860 |
| Loan and lease loss provision to assets | 0.0633% | 3,586 |
| Net operating income to assets | 1.5539% | 706 |
| Return on assets (ROA) | 1.5737% | 737 |
| Pretax return on assets | 1.6156% | 1,045 |
| Return on Equity (ROE) | 15.0862% | 632 |
| Retained earnings to average equity (ytd only) | 6.7018% | 1,508 |
| Net charge-offs to loans | 0.0467% | 2,129 |
| Credit loss provision to net charge-offs | 197.9381% | 2,171 |
| Earnings coverage of net charge-offs (x) | 51.8247% | 1,167 |
| Efficiency ratio | 66.5500% | 2,441 |
| Assets per employee ($millions) | 3.8102% | 4,499 |
| Cash dividends to net income (ytd only)* | 55.5765% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 2,262 |
| Loan loss allowance to noncurrent loans | 76.4525% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 720 |
| Noncurrent loans to loans | 1.7437% | 720 |
| Net loans and leases to total assets | 64.8352% | 2,251 |
| Net loans and leases to deposits | 74.2965% | 2,453 |
| Net loans and leases to core deposits | 75.1708% | 2,803 |
| Total domestic deposits to total assets | 87.2655% | 1,814 |
| Equity capital to assets | 10.7155% | 2,505 |
| Core capital (leverage) ratio | 10.2386% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,099,800 | 2,282 |
| Average earning assets | $275,504,400 | 2,316 |
| Average equity | $31,618,200 | 2,401 |
| Average total loans | $207,753,200 | 2,179 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 1,741 |
| Cost of funding earning assets | 0.5670% | 2,829 |
| Net interest margin | 3.8721% | 1,424 |
| Noninterest income to average assets | 1.4789% | 534 |
| Noninterest expense to average assets | 3.2698% | 950 |
| Loan and lease loss provision to assets | 0.0851% | 3,245 |
| Net operating income to assets | 1.6147% | 696 |
| Return on assets (ROA) | 1.6367% | 736 |
| Pretax return on assets | 1.6797% | 1,005 |
| Return on Equity (ROE) | 15.8012% | 570 |
| Retained earnings to average equity (ytd only) | 7.4555% | 1,508 |
| Net charge-offs to loans | 0.0646% | 1,689 |
| Credit loss provision to net charge-offs | 190.0990% | 2,148 |
| Earnings coverage of net charge-offs (x) | 38.9109% | 1,380 |
| Efficiency ratio | 64.9743% | 2,595 |
| Assets per employee ($millions) | 3.8196% | 4,463 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,241 |
| Loan loss allowance to noncurrent loans | 75.9722% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 826 |
| Noncurrent loans to loans | 1.6859% | 815 |
| Net loans and leases to total assets | 67.3066% | 2,350 |
| Net loans and leases to deposits | 77.2645% | 2,622 |
| Net loans and leases to core deposits | 78.3512% | 2,978 |
| Total domestic deposits to total assets | 87.1119% | 1,620 |
| Equity capital to assets | 10.5446% | 2,753 |
| Core capital (leverage) ratio | 9.8607% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,766,000 | 2,276 |
| Average earning assets | $274,436,500 | 2,303 |
| Average equity | $31,153,000 | 2,415 |
| Average total loans | $208,365,250 | 2,172 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,925 |
| Cost of funding earning assets | 0.5977% | 2,977 |
| Net interest margin | 3.8992% | 1,572 |
| Noninterest income to average assets | 1.2406% | 658 |
| Noninterest expense to average assets | 3.1994% | 1,159 |
| Loan and lease loss provision to assets | 0.0789% | 3,308 |
| Net operating income to assets | 1.4908% | 941 |
| Return on assets (ROA) | 1.4908% | 1,018 |
| Pretax return on assets | 1.5339% | 1,377 |
| Return on Equity (ROE) | 14.4847% | 792 |
| Retained earnings to average equity (ytd only) | 6.2957% | 1,943 |
| Net charge-offs to loans | 0.1171% | 1,143 |
| Credit loss provision to net charge-offs | 96.6942% | 2,430 |
| Earnings coverage of net charge-offs (x) | 19.7686% | 1,704 |
| Efficiency ratio | 66.2043% | 2,488 |
| Assets per employee ($millions) | 3.8126% | 4,452 |
| Cash dividends to net income (ytd only)* | 56.5355% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,432 |
| Loan loss allowance to noncurrent loans | 70.2048% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2448% | 858 |
| Noncurrent loans to loans | 1.7325% | 829 |
| Net loans and leases to total assets | 67.7291% | 2,404 |
| Net loans and leases to deposits | 78.3370% | 2,618 |
| Net loans and leases to core deposits | 79.8330% | 2,962 |
| Total domestic deposits to total assets | 86.4587% | 1,817 |
| Equity capital to assets | 10.1325% | 3,082 |
| Core capital (leverage) ratio | 9.8286% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,620,000 | 2,274 |
| Average earning assets | $271,694,000 | 2,297 |
| Average equity | $30,528,667 | 2,437 |
| Average total loans | $206,639,667 | 2,171 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,959 |
| Cost of funding earning assets | 0.6740% | 3,042 |
| Net interest margin | 3.9400% | 1,552 |
| Noninterest income to average assets | 0.9208% | 1,027 |
| Noninterest expense to average assets | 3.3079% | 1,212 |
| Loan and lease loss provision to assets | 0.0419% | 3,252 |
| Net operating income to assets | 1.1343% | 1,739 |
| Return on assets (ROA) | 1.1343% | 1,844 |
| Pretax return on assets | 1.1761% | 2,283 |
| Return on Equity (ROE) | 10.9271% | 1,434 |
| Retained earnings to average equity (ytd only) | 2.1908% | 3,374 |
| Net charge-offs to loans | 0.1429% | 881 |
| Credit loss provision to net charge-offs | 41.6667% | 2,091 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 1,702 |
| Efficiency ratio | 72.7805% | 1,966 |
| Assets per employee ($millions) | 3.6012% | 4,386 |
| Cash dividends to net income (ytd only)* | 79.9508% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,279 |
| Loan loss allowance to noncurrent loans | 168.6122% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,230 |
| Noncurrent loans to loans | 0.7537% | 2,118 |
| Net loans and leases to total assets | 69.2486% | 2,360 |
| Net loans and leases to deposits | 79.4281% | 2,739 |
| Net loans and leases to core deposits | 81.0558% | 3,104 |
| Total domestic deposits to total assets | 87.1840% | 1,477 |
| Equity capital to assets | 10.2812% | 3,533 |
| Core capital (leverage) ratio | 10.3166% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,707,000 | 2,280 |
| Average earning assets | $262,333,500 | 2,308 |
| Average equity | $29,761,000 | 2,467 |
| Average total loans | $201,477,000 | 2,173 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 1,939 |
| Cost of funding earning assets | 0.7135% | 3,101 |
| Net interest margin | 4.1214% | 1,483 |
| Noninterest income to average assets | 0.8922% | 1,189 |
| Noninterest expense to average assets | 3.3622% | 1,177 |
| Loan and lease loss provision to assets | 0.0530% | 2,974 |
| Net operating income to assets | 1.2350% | 1,928 |
| Return on assets (ROA) | 1.2350% | 2,012 |
| Pretax return on assets | 1.2756% | 2,592 |
| Return on Equity (ROE) | 12.1124% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.0151% | 3,523 |
| Net charge-offs to loans | -0.0101% | 4,472 |
| Credit loss provision to net charge-offs | -750.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1789% | 1,994 |
| Assets per employee ($millions) | 3.5215% | 4,462 |
| Cash dividends to net income (ytd only)* | 75.1073% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 1,787 |
| Loan loss allowance to noncurrent loans | 171.0032% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 2,060 |
| Noncurrent loans to loans | 0.7789% | 1,952 |
| Net loans and leases to total assets | 69.4726% | 2,480 |
| Net loans and leases to deposits | 79.8225% | 2,798 |
| Net loans and leases to core deposits | 81.4316% | 3,187 |
| Total domestic deposits to total assets | 87.0338% | 1,589 |
| Equity capital to assets | 10.4829% | 3,466 |
| Core capital (leverage) ratio | 10.2066% | 3,293 |
| Tier 1 risk-based capital ratio | 12.4541% | 4,107 |
| Total risk-based capital ratio | 13.5854% | 4,033 |
| Memoranda: | ||
| Average total assets | $282,998,000 | 2,262 |
| Average earning assets | $260,833,000 | 2,271 |
| Average equity | $28,854,800 | 2,454 |
| Average total loans | $198,468,200 | 2,177 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 2,068 |
| Cost of funding earning assets | 0.7008% | 3,223 |
| Net interest margin | 4.1150% | 1,577 |
| Noninterest income to average assets | 0.8607% | 1,238 |
| Noninterest expense to average assets | 3.2655% | 1,341 |
| Loan and lease loss provision to assets | 0.0565% | 2,765 |
| Net operating income to assets | 1.3087% | 1,818 |
| Return on assets (ROA) | 1.3087% | 1,903 |
| Pretax return on assets | 1.3492% | 2,501 |
| Return on Equity (ROE) | 12.9261% | 1,306 |
| Retained earnings to average equity (ytd only) | 3.7416% | 3,526 |
| Net charge-offs to loans | -0.0027% | 4,089 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4137% | 2,200 |
| Assets per employee ($millions) | 3.5473% | 4,451 |
| Cash dividends to net income (ytd only)* | 71.0535% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 1,970 |
| Loan loss allowance to noncurrent loans | 386.8852% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,120 |
| Noncurrent loans to loans | 0.3356% | 3,335 |
| Net loans and leases to total assets | 69.5324% | 2,547 |
| Net loans and leases to deposits | 80.0254% | 2,895 |
| Net loans and leases to core deposits | 81.7592% | 3,265 |
| Total domestic deposits to total assets | 86.8879% | 1,578 |
| Equity capital to assets | 10.4065% | 3,630 |
| Core capital (leverage) ratio | 10.2053% | 3,420 |
| Tier 1 risk-based capital ratio | 12.4839% | 4,154 |
| Total risk-based capital ratio | 13.6013% | 4,105 |
| Memoranda: | ||
| Average total assets | $283,318,250 | 2,276 |
| Average earning assets | $262,349,750 | 2,272 |
| Average equity | $28,685,500 | 2,482 |
| Average total loans | $198,495,750 | 2,196 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 2,246 |
| Cost of funding earning assets | 0.6785% | 3,281 |
| Net interest margin | 4.0655% | 1,712 |
| Noninterest income to average assets | 0.8002% | 1,348 |
| Noninterest expense to average assets | 3.2766% | 1,328 |
| Loan and lease loss provision to assets | 0.0636% | 2,545 |
| Net operating income to assets | 1.1944% | 2,169 |
| Return on assets (ROA) | 1.1944% | 2,231 |
| Pretax return on assets | 1.2353% | 2,801 |
| Return on Equity (ROE) | 11.9071% | 1,611 |
| Retained earnings to average equity (ytd only) | 2.5701% | 3,911 |
| Net charge-offs to loans | -0.0061% | 4,179 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1022% | 2,055 |
| Assets per employee ($millions) | 3.5090% | 4,492 |
| Cash dividends to net income (ytd only)* | 78.4151% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,038 |
| Loan loss allowance to noncurrent loans | 361.3221% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 3,092 |
| Noncurrent loans to loans | 0.3584% | 3,253 |
| Net loans and leases to total assets | 68.8940% | 2,688 |
| Net loans and leases to deposits | 79.0879% | 3,048 |
| Net loans and leases to core deposits | 81.1494% | 3,329 |
| Total domestic deposits to total assets | 87.1107% | 1,545 |
| Equity capital to assets | 10.1967% | 3,794 |
| Core capital (leverage) ratio | 10.1602% | 3,429 |
| Tier 1 risk-based capital ratio | 12.4431% | 4,160 |
| Total risk-based capital ratio | 13.5629% | 4,101 |
| Memoranda: | ||
| Average total assets | $283,163,330 | 2,276 |
| Average earning assets | $262,944,670 | 2,281 |
| Average equity | $28,403,330 | 2,490 |
| Average total loans | $198,022,000 | 2,201 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,111 |
| Cost of funding earning assets | 0.6658% | 3,227 |
| Net interest margin | 4.0653% | 1,655 |
| Noninterest income to average assets | 0.8067% | 1,285 |
| Noninterest expense to average assets | 3.2254% | 1,433 |
| Loan and lease loss provision to assets | 0.0849% | 2,003 |
| Net operating income to assets | 1.2228% | 1,973 |
| Return on assets (ROA) | 1.2228% | 2,019 |
| Pretax return on assets | 1.2638% | 2,585 |
| Return on Equity (ROE) | 12.2928% | 1,440 |
| Retained earnings to average equity (ytd only) | 3.0590% | 3,710 |
| Net charge-offs to loans | 0.0020% | 2,690 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 953.0000% | 57 |
| Efficiency ratio | 70.0186% | 2,335 |
| Assets per employee ($millions) | 3.6733% | 4,381 |
| Cash dividends to net income (ytd only)* | 75.1157% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,077 |
| Loan loss allowance to noncurrent loans | 238.4181% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 2,666 |
| Noncurrent loans to loans | 0.5465% | 2,676 |
| Net loans and leases to total assets | 67.8037% | 2,778 |
| Net loans and leases to deposits | 77.6250% | 3,101 |
| Net loans and leases to core deposits | 79.4516% | 3,414 |
| Total domestic deposits to total assets | 87.3478% | 1,643 |
| Equity capital to assets | 10.0420% | 3,787 |
| Core capital (leverage) ratio | 9.9936% | 3,611 |
| Tier 1 risk-based capital ratio | 12.5741% | 4,119 |
| Total risk-based capital ratio | 13.6960% | 4,067 |
| Memoranda: | ||
| Average total assets | $282,631,000 | 2,297 |
| Average earning assets | $261,922,000 | 2,304 |
| Average equity | $28,114,000 | 2,515 |
| Average total loans | $197,840,500 | 2,223 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 2,528 |
| Cost of funding earning assets | 0.5564% | 3,008 |
| Net interest margin | 3.9197% | 2,262 |
| Noninterest income to average assets | 0.7867% | 1,489 |
| Noninterest expense to average assets | 3.2623% | 1,413 |
| Loan and lease loss provision to assets | 0.0463% | 3,260 |
| Net operating income to assets | 1.0704% | 2,718 |
| Return on assets (ROA) | 1.0704% | 2,701 |
| Pretax return on assets | 1.1113% | 3,227 |
| Return on Equity (ROE) | 11.0241% | 2,074 |
| Retained earnings to average equity (ytd only) | 1.8337% | 4,414 |
| Net charge-offs to loans | 0.0398% | 2,608 |
| Credit loss provision to net charge-offs | 167.9487% | 1,655 |
| Earnings coverage of net charge-offs (x) | 42.0128% | 1,269 |
| Efficiency ratio | 73.1937% | 1,734 |
| Assets per employee ($millions) | 3.4026% | 4,657 |
| Cash dividends to net income (ytd only)* | 83.3663% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,419 |
| Loan loss allowance to noncurrent loans | 310.6784% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 2,985 |
| Noncurrent loans to loans | 0.3953% | 3,115 |
| Net loans and leases to total assets | 70.4266% | 2,507 |
| Net loans and leases to deposits | 80.3904% | 2,911 |
| Net loans and leases to core deposits | 82.2760% | 3,238 |
| Total domestic deposits to total assets | 87.6056% | 1,484 |
| Equity capital to assets | 9.8524% | 3,814 |
| Core capital (leverage) ratio | 9.9574% | 3,634 |
| Tier 1 risk-based capital ratio | 12.1695% | 4,313 |
| Total risk-based capital ratio | 13.2387% | 4,327 |
| Memoranda: | ||
| Average total assets | $283,081,400 | 2,250 |
| Average earning assets | $262,392,200 | 2,248 |
| Average equity | $27,485,200 | 2,486 |
| Average total loans | $196,028,200 | 2,203 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,651 |
| Cost of funding earning assets | 0.5276% | 3,013 |
| Net interest margin | 3.8650% | 2,417 |
| Noninterest income to average assets | 0.7936% | 1,496 |
| Noninterest expense to average assets | 3.2004% | 1,519 |
| Loan and lease loss provision to assets | 0.0245% | 3,528 |
| Net operating income to assets | 1.1184% | 2,584 |
| Return on assets (ROA) | 1.1184% | 2,599 |
| Pretax return on assets | 1.1584% | 3,166 |
| Return on Equity (ROE) | 11.5616% | 1,966 |
| Retained earnings to average equity (ytd only) | 2.1946% | 4,509 |
| Net charge-offs to loans | 0.0075% | 3,147 |
| Credit loss provision to net charge-offs | 472.7273% | 735 |
| Earnings coverage of net charge-offs (x) | 228.3967% | 402 |
| Efficiency ratio | 71.7247% | 1,930 |
| Assets per employee ($millions) | 3.4243% | 4,654 |
| Cash dividends to net income (ytd only)* | 81.0185% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,381 |
| Loan loss allowance to noncurrent loans | 217.5950% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 3,060 |
| Noncurrent loans to loans | 0.5728% | 2,659 |
| Net loans and leases to total assets | 70.2959% | 2,597 |
| Net loans and leases to deposits | 80.3963% | 2,996 |
| Net loans and leases to core deposits | 82.2140% | 3,311 |
| Total domestic deposits to total assets | 87.4368% | 1,527 |
| Equity capital to assets | 9.8913% | 3,745 |
| Core capital (leverage) ratio | 9.9473% | 3,695 |
| Tier 1 risk-based capital ratio | 12.4095% | 4,249 |
| Total risk-based capital ratio | 13.4973% | 4,240 |
| Memoranda: | ||
| Average total assets | $283,247,000 | 2,256 |
| Average earning assets | $263,074,750 | 2,250 |
| Average equity | $27,400,250 | 2,494 |
| Average total loans | $194,692,500 | 2,217 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 2,786 |
| Cost of funding earning assets | 0.5076% | 2,958 |
| Net interest margin | 3.7853% | 2,617 |
| Noninterest income to average assets | 0.7763% | 1,550 |
| Noninterest expense to average assets | 3.1640% | 1,623 |
| Loan and lease loss provision to assets | 0.0365% | 3,180 |
| Net operating income to assets | 1.0547% | 2,789 |
| Return on assets (ROA) | 1.0547% | 2,781 |
| Pretax return on assets | 1.0953% | 3,335 |
| Return on Equity (ROE) | 10.9826% | 2,124 |
| Retained earnings to average equity (ytd only) | 1.3071% | 4,683 |
| Net charge-offs to loans | 0.0062% | 2,922 |
| Credit loss provision to net charge-offs | 866.6667% | 467 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 335 |
| Efficiency ratio | 72.3474% | 1,944 |
| Assets per employee ($millions) | 3.5831% | 4,497 |
| Cash dividends to net income (ytd only)* | 88.0984% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,286 |
| Loan loss allowance to noncurrent loans | 257.9498% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 3,402 |
| Noncurrent loans to loans | 0.4952% | 2,949 |
| Net loans and leases to total assets | 67.3294% | 2,972 |
| Net loans and leases to deposits | 76.9863% | 3,256 |
| Net loans and leases to core deposits | 78.8668% | 3,505 |
| Total domestic deposits to total assets | 87.4564% | 1,663 |
| Equity capital to assets | 9.6510% | 3,967 |
| Core capital (leverage) ratio | 9.6653% | 3,923 |
| Tier 1 risk-based capital ratio | 12.5140% | 4,177 |
| Total risk-based capital ratio | 13.6247% | 4,147 |
| Memoranda: | ||
| Average total assets | $285,207,330 | 2,254 |
| Average earning assets | $265,186,670 | 2,248 |
| Average equity | $27,388,670 | 2,509 |
| Average total loans | $193,777,330 | 2,234 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,910 |
| Cost of funding earning assets | 0.4832% | 2,926 |
| Net interest margin | 3.7080% | 2,766 |
| Noninterest income to average assets | 0.8188% | 1,394 |
| Noninterest expense to average assets | 3.0893% | 1,854 |
| Loan and lease loss provision to assets | 0.0447% | 2,872 |
| Net operating income to assets | 1.0982% | 2,428 |
| Return on assets (ROA) | 1.0982% | 2,439 |
| Pretax return on assets | 1.1374% | 3,014 |
| Return on Equity (ROE) | 11.4646% | 1,784 |
| Retained earnings to average equity (ytd only) | 1.6190% | 4,454 |
| Net charge-offs to loans | 0.0124% | 2,313 |
| Credit loss provision to net charge-offs | 533.3333% | 560 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 460 |
| Efficiency ratio | 71.0173% | 2,335 |
| Assets per employee ($millions) | 3.6326% | 4,499 |
| Cash dividends to net income (ytd only)* | 85.8779% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,576 |
| Loan loss allowance to noncurrent loans | 188.8803% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 3,081 |
| Noncurrent loans to loans | 0.6567% | 2,582 |
| Net loans and leases to total assets | 66.1871% | 3,004 |
| Net loans and leases to deposits | 76.8527% | 3,129 |
| Net loans and leases to core deposits | 78.6838% | 3,435 |
| Total domestic deposits to total assets | 86.1220% | 2,492 |
| Equity capital to assets | 9.2780% | 4,286 |
| Core capital (leverage) ratio | 9.6404% | 3,915 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,371 |
| Total risk-based capital ratio | 13.4033% | 4,358 |
| Memoranda: | ||
| Average total assets | $286,277,000 | 2,272 |
| Average earning assets | $266,562,000 | 2,258 |
| Average equity | $27,423,500 | 2,527 |
| Average total loans | $194,139,000 | 2,242 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 3,113 |
| Cost of funding earning assets | 0.2992% | 4,154 |
| Net interest margin | 3.7842% | 2,482 |
| Noninterest income to average assets | 0.8953% | 1,281 |
| Noninterest expense to average assets | 3.0439% | 2,032 |
| Loan and lease loss provision to assets | 0.1134% | 2,006 |
| Net operating income to assets | 1.2306% | 1,423 |
| Return on assets (ROA) | 1.2306% | 1,440 |
| Pretax return on assets | 1.2699% | 2,470 |
| Return on Equity (ROE) | 12.5624% | 1,064 |
| Retained earnings to average equity (ytd only) | 2.2867% | 3,948 |
| Net charge-offs to loans | 0.0011% | 4,093 |
| Credit loss provision to net charge-offs | 16,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,951.5000% | 32 |
| Efficiency ratio | 68.0410% | 2,886 |
| Assets per employee ($millions) | 3.1626% | 5,067 |
| Cash dividends to net income (ytd only)* | 81.7972% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,308.1081% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 4,794 |
| Noncurrent loans to loans | 0.0968% | 4,560 |
| Net loans and leases to total assets | 67.7878% | 2,854 |
| Net loans and leases to deposits | 77.5215% | 3,170 |
| Net loans and leases to core deposits | 79.4299% | 3,461 |
| Total domestic deposits to total assets | 87.4439% | 1,791 |
| Equity capital to assets | 9.8979% | 3,820 |
| Core capital (leverage) ratio | 9.7673% | 3,726 |
| Tier 1 risk-based capital ratio | 12.5433% | 4,178 |
| Total risk-based capital ratio | 13.6434% | 4,180 |
| Memoranda: | ||
| Average total assets | $282,137,600 | 2,275 |
| Average earning assets | $263,328,800 | 2,260 |
| Average equity | $27,638,000 | 2,507 |
| Average total loans | $188,072,600 | 2,255 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,250 |
| Cost of funding earning assets | 0.2811% | 4,303 |
| Net interest margin | 3.7486% | 2,582 |
| Noninterest income to average assets | 0.8967% | 1,280 |
| Noninterest expense to average assets | 2.9130% | 2,358 |
| Loan and lease loss provision to assets | 0.1366% | 1,572 |
| Net operating income to assets | 1.3126% | 1,290 |
| Return on assets (ROA) | 1.3126% | 1,326 |
| Pretax return on assets | 1.3522% | 2,273 |
| Return on Equity (ROE) | 13.4339% | 953 |
| Retained earnings to average equity (ytd only) | 2.9981% | 4,127 |
| Net charge-offs to loans | 0.0064% | 3,505 |
| Credit loss provision to net charge-offs | 3,222.2222% | 143 |
| Earnings coverage of net charge-offs (x) | 351.2133% | 267 |
| Efficiency ratio | 65.4612% | 3,296 |
| Assets per employee ($millions) | 3.4724% | 4,765 |
| Cash dividends to net income (ytd only)* | 77.6819% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,693 |
| Loan loss allowance to noncurrent loans | 250.3151% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,700 |
| Noncurrent loans to loans | 0.4952% | 3,212 |
| Net loans and leases to total assets | 67.5027% | 2,919 |
| Net loans and leases to deposits | 77.7551% | 3,194 |
| Net loans and leases to core deposits | 79.3447% | 3,505 |
| Total domestic deposits to total assets | 86.8145% | 1,949 |
| Equity capital to assets | 9.9722% | 3,941 |
| Core capital (leverage) ratio | 9.7994% | 3,820 |
| Tier 1 risk-based capital ratio | 12.6898% | 4,212 |
| Total risk-based capital ratio | 13.7869% | 4,204 |
| Memoranda: | ||
| Average total assets | $283,094,250 | 2,283 |
| Average earning assets | $264,695,250 | 2,264 |
| Average equity | $27,660,750 | 2,528 |
| Average total loans | $187,320,500 | 2,277 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 3,176 |
| Cost of funding earning assets | 0.2667% | 4,403 |
| Net interest margin | 3.7415% | 2,509 |
| Noninterest income to average assets | 0.9362% | 1,164 |
| Noninterest expense to average assets | 2.8530% | 2,572 |
| Loan and lease loss provision to assets | 0.1833% | 1,030 |
| Net operating income to assets | 1.3620% | 1,147 |
| Return on assets (ROA) | 1.3620% | 1,179 |
| Pretax return on assets | 1.4015% | 2,015 |
| Return on Equity (ROE) | 14.0347% | 804 |
| Retained earnings to average equity (ytd only) | 3.1019% | 3,865 |
| Net charge-offs to loans | 0.0302% | 2,604 |
| Credit loss provision to net charge-offs | 928.5714% | 407 |
| Earnings coverage of net charge-offs (x) | 80.2857% | 767 |
| Efficiency ratio | 63.5902% | 3,744 |
| Assets per employee ($millions) | 3.6823% | 4,461 |
| Cash dividends to net income (ytd only)* | 77.8986% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,855 |
| Loan loss allowance to noncurrent loans | 199.4872% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 3,460 |
| Noncurrent loans to loans | 0.6149% | 2,885 |
| Net loans and leases to total assets | 66.2861% | 3,061 |
| Net loans and leases to deposits | 75.8941% | 3,356 |
| Net loans and leases to core deposits | 77.5648% | 3,637 |
| Total domestic deposits to total assets | 87.3402% | 1,784 |
| Equity capital to assets | 9.8439% | 4,094 |
| Core capital (leverage) ratio | 9.6403% | 3,973 |
| Tier 1 risk-based capital ratio | 12.6428% | 4,216 |
| Total risk-based capital ratio | 13.7217% | 4,212 |
| Memoranda: | ||
| Average total assets | $283,704,670 | 2,287 |
| Average earning assets | $265,509,670 | 2,264 |
| Average equity | $27,531,670 | 2,534 |
| Average total loans | $185,679,670 | 2,301 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 2,744 |
| Cost of funding earning assets | 0.2607% | 4,447 |
| Net interest margin | 3.8152% | 2,066 |
| Noninterest income to average assets | 1.0332% | 945 |
| Noninterest expense to average assets | 2.8077% | 2,770 |
| Loan and lease loss provision to assets | 0.3242% | 382 |
| Net operating income to assets | 1.4292% | 939 |
| Return on assets (ROA) | 1.4292% | 965 |
| Pretax return on assets | 1.4701% | 1,637 |
| Return on Equity (ROE) | 14.8343% | 669 |
| Retained earnings to average equity (ytd only) | 4.2279% | 3,333 |
| Net charge-offs to loans | 0.0633% | 1,699 |
| Credit loss provision to net charge-offs | 793.1034% | 398 |
| Earnings coverage of net charge-offs (x) | 43.8966% | 968 |
| Efficiency ratio | 60.3369% | 4,415 |
| Assets per employee ($millions) | 3.8224% | 4,312 |
| Cash dividends to net income (ytd only)* | 71.4990% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,838 |
| Loan loss allowance to noncurrent loans | 259.9323% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 3,953 |
| Noncurrent loans to loans | 0.4802% | 3,364 |
| Net loans and leases to total assets | 63.5519% | 3,325 |
| Net loans and leases to deposits | 72.7555% | 3,538 |
| Net loans and leases to core deposits | 74.3378% | 3,804 |
| Total domestic deposits to total assets | 87.3500% | 2,051 |
| Equity capital to assets | 9.6244% | 4,161 |
| Core capital (leverage) ratio | 9.5712% | 4,031 |
| Tier 1 risk-based capital ratio | 12.8208% | 4,188 |
| Total risk-based capital ratio | 13.9066% | 4,194 |
| Memoranda: | ||
| Average total assets | $283,789,000 | 2,299 |
| Average earning assets | $265,464,500 | 2,278 |
| Average equity | $27,342,000 | 2,557 |
| Average total loans | $183,380,000 | 2,333 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 3,948 |
| Cost of funding earning assets | 0.2671% | 4,397 |
| Net interest margin | 3.5210% | 3,352 |
| Noninterest income to average assets | 0.9377% | 1,302 |
| Noninterest expense to average assets | 2.8770% | 2,757 |
| Loan and lease loss provision to assets | 0.0999% | 2,383 |
| Net operating income to assets | 1.2080% | 1,481 |
| Return on assets (ROA) | 1.2080% | 1,566 |
| Pretax return on assets | 1.2489% | 2,476 |
| Return on Equity (ROE) | 12.3191% | 1,166 |
| Retained earnings to average equity (ytd only) | 3.3024% | 3,569 |
| Net charge-offs to loans | 0.1050% | 2,220 |
| Credit loss provision to net charge-offs | 151.9126% | 1,800 |
| Earnings coverage of net charge-offs (x) | 20.5082% | 1,848 |
| Efficiency ratio | 67.2308% | 3,395 |
| Assets per employee ($millions) | 3.7453% | 4,402 |
| Cash dividends to net income (ytd only)* | 73.1925% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,410 |
| Loan loss allowance to noncurrent loans | 85.2047% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 2,152 |
| Noncurrent loans to loans | 1.3535% | 1,517 |
| Net loans and leases to total assets | 64.1387% | 3,340 |
| Net loans and leases to deposits | 73.7302% | 3,541 |
| Net loans and leases to core deposits | 75.2321% | 3,817 |
| Total domestic deposits to total assets | 86.9911% | 2,151 |
| Equity capital to assets | 9.6451% | 4,123 |
| Core capital (leverage) ratio | 9.5116% | 4,067 |
| Tier 1 risk-based capital ratio | 12.8792% | 4,146 |
| Total risk-based capital ratio | 13.8846% | 4,190 |
| Memoranda: | ||
| Average total assets | $278,239,800 | 2,298 |
| Average earning assets | $259,842,800 | 2,285 |
| Average equity | $27,282,800 | 2,549 |
| Average total loans | $174,297,600 | 2,370 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 4,032 |
| Cost of funding earning assets | 0.2658% | 4,434 |
| Net interest margin | 3.5001% | 3,465 |
| Noninterest income to average assets | 0.8752% | 1,489 |
| Noninterest expense to average assets | 2.7864% | 3,054 |
| Loan and lease loss provision to assets | 0.0975% | 2,275 |
| Net operating income to assets | 1.2220% | 1,553 |
| Return on assets (ROA) | 1.2220% | 1,652 |
| Pretax return on assets | 1.2618% | 2,569 |
| Return on Equity (ROE) | 12.4109% | 1,197 |
| Retained earnings to average equity (ytd only) | 3.5808% | 3,745 |
| Net charge-offs to loans | 0.0480% | 2,685 |
| Credit loss provision to net charge-offs | 327.4194% | 970 |
| Earnings coverage of net charge-offs (x) | 45.6477% | 1,141 |
| Efficiency ratio | 66.3423% | 3,533 |
| Assets per employee ($millions) | 3.6436% | 4,579 |
| Cash dividends to net income (ytd only)* | 71.1476% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,240 |
| Loan loss allowance to noncurrent loans | 71.1494% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 1,877 |
| Noncurrent loans to loans | 1.6861% | 1,249 |
| Net loans and leases to total assets | 63.8835% | 3,419 |
| Net loans and leases to deposits | 74.1669% | 3,579 |
| Net loans and leases to core deposits | 75.7138% | 3,872 |
| Total domestic deposits to total assets | 86.1347% | 2,290 |
| Equity capital to assets | 10.0782% | 4,057 |
| Core capital (leverage) ratio | 9.6767% | 3,965 |
| Tier 1 risk-based capital ratio | 11.1240% | 5,300 |
| Total risk-based capital ratio | 12.0175% | 5,398 |
| Memoranda: | ||
| Average total assets | $277,575,000 | 2,307 |
| Average earning assets | $259,373,500 | 2,295 |
| Average equity | $27,330,250 | 2,564 |
| Average total loans | $172,305,250 | 2,391 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 4,319 |
| Cost of funding earning assets | 0.2641% | 4,511 |
| Net interest margin | 3.4292% | 3,760 |
| Noninterest income to average assets | 0.8243% | 1,630 |
| Noninterest expense to average assets | 2.7330% | 3,264 |
| Loan and lease loss provision to assets | 0.0986% | 2,189 |
| Net operating income to assets | 1.1498% | 1,775 |
| Return on assets (ROA) | 1.1498% | 1,894 |
| Pretax return on assets | 1.1894% | 2,821 |
| Return on Equity (ROE) | 11.7696% | 1,394 |
| Retained earnings to average equity (ytd only) | 3.2943% | 3,802 |
| Net charge-offs to loans | 0.0282% | 2,920 |
| Credit loss provision to net charge-offs | 570.8333% | 594 |
| Earnings coverage of net charge-offs (x) | 74.5417% | 739 |
| Efficiency ratio | 67.0725% | 3,524 |
| Assets per employee ($millions) | 3.5613% | 4,664 |
| Cash dividends to net income (ytd only)* | 72.0100% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,228 |
| Loan loss allowance to noncurrent loans | 1,723.5772% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 5,396 |
| Noncurrent loans to loans | 0.0710% | 5,163 |
| Net loans and leases to total assets | 61.6097% | 3,667 |
| Net loans and leases to deposits | 71.2235% | 3,863 |
| Net loans and leases to core deposits | 72.6944% | 4,113 |
| Total domestic deposits to total assets | 86.5020% | 2,168 |
| Equity capital to assets | 10.0000% | 4,227 |
| Core capital (leverage) ratio | 9.5340% | 4,157 |
| Tier 1 risk-based capital ratio | 11.2419% | 5,296 |
| Total risk-based capital ratio | 12.1433% | 5,403 |
| Memoranda: | ||
| Average total assets | $277,795,000 | 2,317 |
| Average earning assets | $258,955,670 | 2,307 |
| Average equity | $27,137,670 | 2,584 |
| Average total loans | $170,056,670 | 2,412 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 4,465 |
| Cost of funding earning assets | 0.2634% | 4,568 |
| Net interest margin | 3.3901% | 3,905 |
| Noninterest income to average assets | 0.7027% | 2,029 |
| Noninterest expense to average assets | 2.7329% | 3,302 |
| Loan and lease loss provision to assets | 0.1094% | 1,898 |
| Net operating income to assets | 0.9705% | 2,410 |
| Return on assets (ROA) | 0.9705% | 2,523 |
| Pretax return on assets | 1.0108% | 3,438 |
| Return on Equity (ROE) | 10.0531% | 1,963 |
| Retained earnings to average equity (ytd only) | 1.8495% | 4,522 |
| Net charge-offs to loans | -0.0047% | 4,278 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9925% | 3,130 |
| Assets per employee ($millions) | 3.3905% | 4,991 |
| Cash dividends to net income (ytd only)* | 81.6024% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 3,217 |
| Loan loss allowance to noncurrent loans | 1,752.1008% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,455 |
| Noncurrent loans to loans | 0.0712% | 5,193 |
| Net loans and leases to total assets | 59.3995% | 3,861 |
| Net loans and leases to deposits | 68.4453% | 4,012 |
| Net loans and leases to core deposits | 69.8517% | 4,251 |
| Total domestic deposits to total assets | 86.7840% | 2,311 |
| Equity capital to assets | 9.7475% | 4,399 |
| Core capital (leverage) ratio | 9.5361% | 4,124 |
| Tier 1 risk-based capital ratio | 11.2079% | 5,392 |
| Total risk-based capital ratio | 12.1033% | 5,488 |
| Memoranda: | ||
| Average total assets | $277,802,000 | 2,328 |
| Average earning assets | $258,163,500 | 2,323 |
| Average equity | $26,817,500 | 2,609 |
| Average total loans | $168,455,000 | 2,417 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7734% | 4,124 |
| Cost of funding earning assets | 0.2756% | 4,528 |
| Net interest margin | 3.4978% | 3,528 |
| Noninterest income to average assets | 0.8847% | 1,484 |
| Noninterest expense to average assets | 2.8607% | 2,992 |
| Loan and lease loss provision to assets | 0.1138% | 2,104 |
| Net operating income to assets | 1.1135% | 1,861 |
| Return on assets (ROA) | 1.1295% | 1,869 |
| Pretax return on assets | 1.1688% | 2,775 |
| Return on Equity (ROE) | 11.7612% | 1,368 |
| Retained earnings to average equity (ytd only) | 4.5371% | 2,756 |
| Net charge-offs to loans | 0.0210% | 3,848 |
| Credit loss provision to net charge-offs | 861.1111% | 394 |
| Earnings coverage of net charge-offs (x) | 95.8056% | 601 |
| Efficiency ratio | 68.5020% | 3,477 |
| Assets per employee ($millions) | 3.5137% | 4,815 |
| Cash dividends to net income (ytd only)* | 61.4235% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,574 |
| Loan loss allowance to noncurrent loans | 1,858.3333% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,464 |
| Noncurrent loans to loans | 0.0636% | 5,257 |
| Net loans and leases to total assets | 60.4053% | 3,777 |
| Net loans and leases to deposits | 69.5503% | 3,966 |
| Net loans and leases to core deposits | 71.0558% | 4,208 |
| Total domestic deposits to total assets | 86.8512% | 2,217 |
| Equity capital to assets | 9.5592% | 4,485 |
| Core capital (leverage) ratio | 9.5115% | 4,157 |
| Tier 1 risk-based capital ratio | 11.0460% | 5,498 |
| Total risk-based capital ratio | 11.8982% | 5,622 |
| Memoranda: | ||
| Average total assets | $272,413,200 | 2,320 |
| Average earning assets | $252,501,600 | 2,323 |
| Average equity | $26,162,200 | 2,612 |
| Average total loans | $171,781,400 | 2,336 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 4,086 |
| Cost of funding earning assets | 0.2750% | 4,613 |
| Net interest margin | 3.5250% | 3,445 |
| Noninterest income to average assets | 0.8995% | 1,451 |
| Noninterest expense to average assets | 2.8326% | 3,065 |
| Loan and lease loss provision to assets | 0.1151% | 1,963 |
| Net operating income to assets | 1.1868% | 1,692 |
| Return on assets (ROA) | 1.2083% | 1,687 |
| Pretax return on assets | 1.2452% | 2,627 |
| Return on Equity (ROE) | 12.5663% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.7438% | 3,809 |
| Net charge-offs to loans | 0.0108% | 3,797 |
| Credit loss provision to net charge-offs | 1,671.4286% | 217 |
| Earnings coverage of net charge-offs (x) | 194.3176% | 370 |
| Efficiency ratio | 67.1029% | 3,688 |
| Assets per employee ($millions) | 3.3109% | 5,105 |
| Cash dividends to net income (ytd only)* | 70.2075% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 4,082 |
| Loan loss allowance to noncurrent loans | 2,675.3425% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,678 |
| Noncurrent loans to loans | 0.0421% | 5,448 |
| Net loans and leases to total assets | 64.7660% | 3,189 |
| Net loans and leases to deposits | 75.2327% | 3,401 |
| Net loans and leases to core deposits | 77.0423% | 3,688 |
| Total domestic deposits to total assets | 86.0876% | 2,480 |
| Equity capital to assets | 9.9909% | 4,162 |
| Core capital (leverage) ratio | 9.5116% | 4,289 |
| Tier 1 risk-based capital ratio | 10.6801% | 5,808 |
| Total risk-based capital ratio | 11.4965% | 5,908 |
| Memoranda: | ||
| Average total assets | $271,120,250 | 2,345 |
| Average earning assets | $251,602,750 | 2,348 |
| Average equity | $26,069,000 | 2,639 |
| Average total loans | $172,306,000 | 2,337 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,010 |
| Cost of funding earning assets | 0.2708% | 4,708 |
| Net interest margin | 3.5437% | 3,317 |
| Noninterest income to average assets | 0.9583% | 1,283 |
| Noninterest expense to average assets | 2.8096% | 3,192 |
| Loan and lease loss provision to assets | 0.1149% | 1,914 |
| Net operating income to assets | 1.2748% | 1,391 |
| Return on assets (ROA) | 1.3067% | 1,365 |
| Pretax return on assets | 1.3433% | 2,198 |
| Return on Equity (ROE) | 13.7638% | 951 |
| Retained earnings to average equity (ytd only) | 3.9325% | 3,507 |
| Net charge-offs to loans | 0.0361% | 2,956 |
| Credit loss provision to net charge-offs | 506.4516% | 618 |
| Earnings coverage of net charge-offs (x) | 62.8065% | 817 |
| Efficiency ratio | 65.5488% | 4,094 |
| Assets per employee ($millions) | 3.3622% | 5,055 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,233 |
| Loan loss allowance to noncurrent loans | 2,323.7500% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,760 |
| Noncurrent loans to loans | 0.0481% | 5,556 |
| Net loans and leases to total assets | 61.1263% | 3,675 |
| Net loans and leases to deposits | 70.0951% | 3,925 |
| Net loans and leases to core deposits | 71.8092% | 4,158 |
| Total domestic deposits to total assets | 87.2048% | 2,059 |
| Equity capital to assets | 9.6711% | 4,437 |
| Core capital (leverage) ratio | 9.2748% | 4,586 |
| Tier 1 risk-based capital ratio | 10.6558% | 5,860 |
| Total risk-based capital ratio | 11.4382% | 5,972 |
| Memoranda: | ||
| Average total assets | $273,203,000 | 2,349 |
| Average earning assets | $252,618,330 | 2,352 |
| Average equity | $25,937,670 | 2,658 |
| Average total loans | $171,908,000 | 2,355 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 4,422 |
| Cost of funding earning assets | 0.2667% | 4,832 |
| Net interest margin | 3.4180% | 3,769 |
| Noninterest income to average assets | 0.9981% | 1,124 |
| Noninterest expense to average assets | 2.7910% | 3,281 |
| Loan and lease loss provision to assets | 0.1177% | 1,754 |
| Net operating income to assets | 1.2217% | 1,487 |
| Return on assets (ROA) | 1.2640% | 1,455 |
| Pretax return on assets | 1.2989% | 2,293 |
| Return on Equity (ROE) | 13.4363% | 999 |
| Retained earnings to average equity (ytd only) | 9.1892% | 1,132 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2247% | 4,120 |
| Assets per employee ($millions) | 3.2952% | 5,253 |
| Cash dividends to net income (ytd only)* | 31.6092% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,765 |
| Loan loss allowance to noncurrent loans | 68.5304% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 2,609 |
| Noncurrent loans to loans | 1.5318% | 1,833 |
| Net loans and leases to total assets | 62.5188% | 3,283 |
| Net loans and leases to deposits | 71.3843% | 3,606 |
| Net loans and leases to core deposits | 73.1854% | 3,852 |
| Total domestic deposits to total assets | 87.5806% | 2,055 |
| Equity capital to assets | 9.6410% | 4,584 |
| Core capital (leverage) ratio | 9.3043% | 4,564 |
| Tier 1 risk-based capital ratio | 10.3635% | 6,057 |
| Total risk-based capital ratio | 11.1038% | 6,165 |
| Memoranda: | ||
| Average total assets | $275,316,500 | 2,347 |
| Average earning assets | $255,005,000 | 2,344 |
| Average equity | $25,900,000 | 2,679 |
| Average total loans | $174,725,000 | 2,322 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,859 |
| Cost of funding earning assets | 0.3228% | 4,555 |
| Net interest margin | 3.3541% | 4,394 |
| Noninterest income to average assets | 0.8766% | 1,579 |
| Noninterest expense to average assets | 2.8894% | 3,181 |
| Loan and lease loss provision to assets | 0.1411% | 1,880 |
| Net operating income to assets | 0.9185% | 2,788 |
| Return on assets (ROA) | 0.9253% | 2,842 |
| Pretax return on assets | 0.9585% | 3,654 |
| Return on Equity (ROE) | 10.3468% | 1,967 |
| Retained earnings to average equity (ytd only) | 2.4765% | 4,468 |
| Net charge-offs to loans | 0.0440% | 3,944 |
| Credit loss provision to net charge-offs | 517.5676% | 507 |
| Earnings coverage of net charge-offs (x) | 40.0676% | 1,085 |
| Efficiency ratio | 71.6084% | 3,276 |
| Assets per employee ($millions) | 3.2992% | 5,257 |
| Cash dividends to net income (ytd only)* | 76.0653% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 5,153 |
| Loan loss allowance to noncurrent loans | 2,586.5672% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 5,825 |
| Noncurrent loans to loans | 0.0379% | 5,730 |
| Net loans and leases to total assets | 63.1155% | 3,345 |
| Net loans and leases to deposits | 71.6840% | 3,717 |
| Net loans and leases to core deposits | 73.4575% | 3,970 |
| Total domestic deposits to total assets | 88.0469% | 1,747 |
| Equity capital to assets | 9.1768% | 5,102 |
| Core capital (leverage) ratio | 9.1040% | 4,820 |
| Tier 1 risk-based capital ratio | 10.2069% | 6,203 |
| Total risk-based capital ratio | 10.9270% | 6,298 |
| Memoranda: | ||
| Average total assets | $271,374,800 | 2,353 |
| Average earning assets | $251,242,200 | 2,338 |
| Average equity | $24,268,400 | 2,730 |
| Average total loans | $168,306,000 | 2,337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 4,958 |
| Cost of funding earning assets | 0.3341% | 4,527 |
| Net interest margin | 3.3310% | 4,504 |
| Noninterest income to average assets | 0.8723% | 1,615 |
| Noninterest expense to average assets | 2.9024% | 3,106 |
| Loan and lease loss provision to assets | 0.1729% | 1,424 |
| Net operating income to assets | 0.8499% | 3,180 |
| Return on assets (ROA) | 0.8590% | 3,223 |
| Pretax return on assets | 0.8940% | 4,015 |
| Return on Equity (ROE) | 9.6699% | 2,363 |
| Retained earnings to average equity (ytd only) | 0.9953% | 5,486 |
| Net charge-offs to loans | 0.0441% | 3,616 |
| Credit loss provision to net charge-offs | 636.3636% | 467 |
| Earnings coverage of net charge-offs (x) | 38.9281% | 1,154 |
| Efficiency ratio | 72.3213% | 3,123 |
| Assets per employee ($millions) | 3.2025% | 5,426 |
| Cash dividends to net income (ytd only)* | 89.7068% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 5,103 |
| Loan loss allowance to noncurrent loans | 481.5126% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 5,540 |
| Noncurrent loans to loans | 0.2127% | 5,267 |
| Net loans and leases to total assets | 62.4947% | 3,404 |
| Net loans and leases to deposits | 71.1213% | 3,780 |
| Net loans and leases to core deposits | 72.9603% | 4,057 |
| Total domestic deposits to total assets | 87.8706% | 1,829 |
| Equity capital to assets | 9.4301% | 4,882 |
| Core capital (leverage) ratio | 8.9375% | 5,142 |
| Tier 1 risk-based capital ratio | 10.2175% | 6,292 |
| Total risk-based capital ratio | 10.9458% | 6,377 |
| Memoranda: | ||
| Average total assets | $269,935,250 | 2,375 |
| Average earning assets | $250,206,000 | 2,355 |
| Average equity | $23,977,500 | 2,763 |
| Average total loans | $166,220,750 | 2,376 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 5,075 |
| Cost of funding earning assets | 0.3530% | 4,406 |
| Net interest margin | 3.2743% | 4,686 |
| Noninterest income to average assets | 0.8529% | 1,644 |
| Noninterest expense to average assets | 2.9081% | 3,135 |
| Loan and lease loss provision to assets | 0.2359% | 962 |
| Net operating income to assets | 0.7018% | 3,833 |
| Return on assets (ROA) | 0.7018% | 3,922 |
| Pretax return on assets | 0.7379% | 4,503 |
| Return on Equity (ROE) | 8.0628% | 3,057 |
| Retained earnings to average equity (ytd only) | -0.1948% | 5,717 |
| Net charge-offs to loans | 0.0664% | 3,040 |
| Credit loss provision to net charge-offs | 581.8182% | 521 |
| Earnings coverage of net charge-offs (x) | 24.0182% | 1,445 |
| Efficiency ratio | 73.9271% | 2,981 |
| Assets per employee ($millions) | 3.0809% | 5,627 |
| Cash dividends to net income (ytd only)* | 102.4160% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,232 |
| Loan loss allowance to noncurrent loans | 154.6703% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 4,720 |
| Noncurrent loans to loans | 0.6635% | 4,050 |
| Net loans and leases to total assets | 60.0814% | 3,702 |
| Net loans and leases to deposits | 67.9704% | 4,053 |
| Net loans and leases to core deposits | 69.6809% | 4,297 |
| Total domestic deposits to total assets | 88.3936% | 1,687 |
| Equity capital to assets | 9.0389% | 5,260 |
| Core capital (leverage) ratio | 8.5713% | 5,560 |
| Tier 1 risk-based capital ratio | 10.0317% | 6,390 |
| Total risk-based capital ratio | 10.7561% | 6,479 |
| Memoranda: | ||
| Average total assets | $271,311,000 | 2,362 |
| Average earning assets | $250,983,330 | 2,347 |
| Average equity | $23,614,670 | 2,788 |
| Average total loans | $165,682,670 | 2,387 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 5,212 |
| Cost of funding earning assets | 0.3841% | 4,151 |
| Net interest margin | 3.2019% | 4,914 |
| Noninterest income to average assets | 0.7826% | 1,830 |
| Noninterest expense to average assets | 2.7678% | 3,686 |
| Loan and lease loss provision to assets | 0.1326% | 1,828 |
| Net operating income to assets | 0.8032% | 3,136 |
| Return on assets (ROA) | 0.8032% | 3,217 |
| Pretax return on assets | 0.8430% | 3,929 |
| Return on Equity (ROE) | 9.4091% | 2,292 |
| Retained earnings to average equity (ytd only) | 5.0930% | 3,066 |
| Net charge-offs to loans | 0.1227% | 1,986 |
| Credit loss provision to net charge-offs | 176.4706% | 1,133 |
| Earnings coverage of net charge-offs (x) | 12.9804% | 1,690 |
| Efficiency ratio | 72.9134% | 3,321 |
| Assets per employee ($millions) | 3.3600% | 5,234 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 5,888 |
| Loan loss allowance to noncurrent loans | 139.0684% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 4,934 |
| Noncurrent loans to loans | 0.6423% | 4,256 |
| Net loans and leases to total assets | 58.2070% | 3,811 |
| Net loans and leases to deposits | 66.5052% | 4,026 |
| Net loans and leases to core deposits | 67.9893% | 4,310 |
| Total domestic deposits to total assets | 87.5224% | 2,495 |
| Equity capital to assets | 8.3848% | 5,758 |
| Core capital (leverage) ratio | 8.1188% | 6,022 |
| Tier 1 risk-based capital ratio | 10.0219% | 6,470 |
| Total risk-based capital ratio | 10.6755% | 6,548 |
| Memoranda: | ||
| Average total assets | $271,408,000 | 2,366 |
| Average earning assets | $250,978,500 | 2,349 |
| Average equity | $23,169,000 | 2,825 |
| Average total loans | $166,234,000 | 2,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,784 |
| Cost of funding earning assets | 0.4212% | 4,423 |
| Net interest margin | 3.3882% | 4,327 |
| Noninterest income to average assets | 0.9167% | 1,623 |
| Noninterest expense to average assets | 3.0302% | 2,966 |
| Loan and lease loss provision to assets | 0.0758% | 3,590 |
| Net operating income to assets | 0.8959% | 2,802 |
| Return on assets (ROA) | 0.8959% | 2,893 |
| Pretax return on assets | 0.9353% | 3,616 |
| Return on Equity (ROE) | 10.4073% | 1,953 |
| Retained earnings to average equity (ytd only) | 1.0126% | 5,387 |
| Net charge-offs to loans | 0.0739% | 4,177 |
| Credit loss provision to net charge-offs | 169.4915% | 1,345 |
| Earnings coverage of net charge-offs (x) | 22.6102% | 1,443 |
| Efficiency ratio | 73.9029% | 3,141 |
| Assets per employee ($millions) | 3.1420% | 5,600 |
| Cash dividends to net income (ytd only)* | 90.2707% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 6,074 |
| Loan loss allowance to noncurrent loans | 227.1132% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 5,466 |
| Noncurrent loans to loans | 0.3717% | 5,074 |
| Net loans and leases to total assets | 63.3690% | 3,146 |
| Net loans and leases to deposits | 73.3046% | 3,356 |
| Net loans and leases to core deposits | 74.9356% | 3,739 |
| Total domestic deposits to total assets | 86.4461% | 3,025 |
| Equity capital to assets | 8.6969% | 5,372 |
| Core capital (leverage) ratio | 8.4606% | 5,715 |
| Tier 1 risk-based capital ratio | 9.8765% | 6,544 |
| Total risk-based capital ratio | 10.5126% | 6,618 |
| Memoranda: | ||
| Average total assets | $263,877,200 | 2,399 |
| Average earning assets | $243,345,000 | 2,396 |
| Average equity | $22,714,800 | 2,857 |
| Average total loans | $159,607,000 | 2,428 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,801 |
| Cost of funding earning assets | 0.4266% | 4,531 |
| Net interest margin | 3.3880% | 4,326 |
| Noninterest income to average assets | 0.9626% | 1,573 |
| Noninterest expense to average assets | 3.0424% | 2,850 |
| Loan and lease loss provision to assets | 0.0632% | 3,781 |
| Net operating income to assets | 0.9404% | 2,637 |
| Return on assets (ROA) | 0.9404% | 2,748 |
| Pretax return on assets | 0.9793% | 3,589 |
| Return on Equity (ROE) | 10.9524% | 1,836 |
| Retained earnings to average equity (ytd only) | 1.0417% | 5,561 |
| Net charge-offs to loans | 0.0898% | 3,674 |
| Credit loss provision to net charge-offs | 117.9245% | 1,992 |
| Earnings coverage of net charge-offs (x) | 19.4623% | 1,631 |
| Efficiency ratio | 73.4166% | 3,155 |
| Assets per employee ($millions) | 3.0878% | 5,700 |
| Cash dividends to net income (ytd only)* | 90.4891% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 6,215 |
| Loan loss allowance to noncurrent loans | 295.8696% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,812 |
| Noncurrent loans to loans | 0.2815% | 5,525 |
| Net loans and leases to total assets | 62.4711% | 3,271 |
| Net loans and leases to deposits | 72.7574% | 3,429 |
| Net loans and leases to core deposits | 74.4164% | 3,791 |
| Total domestic deposits to total assets | 85.8622% | 3,336 |
| Equity capital to assets | 8.8771% | 5,324 |
| Core capital (leverage) ratio | 8.5013% | 5,771 |
| Tier 1 risk-based capital ratio | 9.9773% | 6,601 |
| Total risk-based capital ratio | 10.5937% | 6,679 |
| Memoranda: | ||
| Average total assets | $263,863,500 | 2,421 |
| Average earning assets | $243,164,000 | 2,409 |
| Average equity | $22,655,000 | 2,888 |
| Average total loans | $157,340,000 | 2,467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 4,882 |
| Cost of funding earning assets | 0.4375% | 4,574 |
| Net interest margin | 3.3454% | 4,398 |
| Noninterest income to average assets | 0.9466% | 1,673 |
| Noninterest expense to average assets | 3.0397% | 2,878 |
| Loan and lease loss provision to assets | 0.0452% | 4,063 |
| Net operating income to assets | 0.8939% | 2,832 |
| Return on assets (ROA) | 0.8939% | 2,978 |
| Pretax return on assets | 0.9338% | 3,768 |
| Return on Equity (ROE) | 10.5274% | 2,006 |
| Retained earnings to average equity (ytd only) | 1.3492% | 5,347 |
| Net charge-offs to loans | 0.0773% | 3,613 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 21.6500% | 1,406 |
| Efficiency ratio | 74.5686% | 3,017 |
| Assets per employee ($millions) | 3.1582% | 5,568 |
| Cash dividends to net income (ytd only)* | 87.1838% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 6,286 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 6,025 |
| Noncurrent loans to loans | 0.0411% | 6,275 |
| Net loans and leases to total assets | 59.9769% | 3,660 |
| Net loans and leases to deposits | 69.3596% | 3,806 |
| Net loans and leases to core deposits | 70.2949% | 4,239 |
| Total domestic deposits to total assets | 86.4724% | 3,126 |
| Equity capital to assets | 8.5251% | 5,744 |
| Core capital (leverage) ratio | 8.2911% | 5,891 |
| Tier 1 risk-based capital ratio | 9.8548% | 6,664 |
| Total risk-based capital ratio | 10.4566% | 6,743 |
| Memoranda: | ||
| Average total assets | $265,359,330 | 2,410 |
| Average earning assets | $243,675,330 | 2,412 |
| Average equity | $22,531,670 | 2,926 |
| Average total loans | $155,321,330 | 2,499 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,998 |
| Cost of funding earning assets | 0.4631% | 4,449 |
| Net interest margin | 3.2845% | 4,575 |
| Noninterest income to average assets | 0.8079% | 2,097 |
| Noninterest expense to average assets | 2.9782% | 3,062 |
| Loan and lease loss provision to assets | 0.0904% | 3,153 |
| Net operating income to assets | 0.7039% | 3,666 |
| Return on assets (ROA) | 0.7039% | 3,808 |
| Pretax return on assets | 0.7430% | 4,400 |
| Return on Equity (ROE) | 8.3061% | 2,813 |
| Retained earnings to average equity (ytd only) | 2.7924% | 4,612 |
| Net charge-offs to loans | 0.1309% | 2,618 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 11.0600% | 1,684 |
| Efficiency ratio | 77.0265% | 2,761 |
| Assets per employee ($millions) | 3.2718% | 5,499 |
| Cash dividends to net income (ytd only)* | 66.3812% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 6,308 |
| Loan loss allowance to noncurrent loans | 1,711.3924% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 5,949 |
| Noncurrent loans to loans | 0.0514% | 6,323 |
| Net loans and leases to total assets | 56.1118% | 4,063 |
| Net loans and leases to deposits | 65.0612% | 4,175 |
| Net loans and leases to core deposits | 65.9908% | 4,529 |
| Total domestic deposits to total assets | 86.2446% | 3,390 |
| Equity capital to assets | 8.2863% | 6,197 |
| Core capital (leverage) ratio | 7.7979% | 6,289 |
| Tier 1 risk-based capital ratio | 9.6637% | 6,740 |
| Total risk-based capital ratio | 10.2973% | 6,805 |
| Memoranda: | ||
| Average total assets | $265,395,500 | 2,436 |
| Average earning assets | $242,714,000 | 2,449 |
| Average equity | $22,489,500 | 2,981 |
| Average total loans | $152,755,500 | 2,542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 4,493 |
| Cost of funding earning assets | 0.5561% | 4,761 |
| Net interest margin | 3.6689% | 3,787 |
| Noninterest income to average assets | 1.5246% | 676 |
| Noninterest expense to average assets | 3.1775% | 2,688 |
| Loan and lease loss provision to assets | 0.1204% | 4,118 |
| Net operating income to assets | 1.5330% | 857 |
| Return on assets (ROA) | 1.5330% | 946 |
| Pretax return on assets | 1.5736% | 1,455 |
| Return on Equity (ROE) | 16.9955% | 539 |
| Retained earnings to average equity (ytd only) | 9.2971% | 747 |
| Net charge-offs to loans | 0.0550% | 5,163 |
| Credit loss provision to net charge-offs | 363.3803% | 672 |
| Earnings coverage of net charge-offs (x) | 51.1268% | 671 |
| Efficiency ratio | 64.8625% | 4,726 |
| Assets per employee ($millions) | 3.0498% | 5,936 |
| Cash dividends to net income (ytd only)* | 45.2968% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,298 |
| Loan loss allowance to noncurrent loans | 404.2169% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 5,580 |
| Noncurrent loans to loans | 0.2187% | 5,929 |
| Net loans and leases to total assets | 58.0331% | 3,974 |
| Net loans and leases to deposits | 68.4140% | 3,914 |
| Net loans and leases to core deposits | 70.4137% | 4,249 |
| Total domestic deposits to total assets | 84.8264% | 3,933 |
| Equity capital to assets | 8.6706% | 5,880 |
| Core capital (leverage) ratio | 8.0173% | 6,176 |
| Tier 1 risk-based capital ratio | 9.4646% | 6,809 |
| Total risk-based capital ratio | 10.0863% | 6,871 |
| Memoranda: | ||
| Average total assets | $214,285,400 | 2,891 |
| Average earning assets | $195,479,000 | 2,893 |
| Average equity | $19,328,600 | 3,285 |
| Average total loans | $129,205,200 | 2,895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 4,699 |
| Cost of funding earning assets | 0.5682% | 4,932 |
| Net interest margin | 3.6642% | 3,949 |
| Noninterest income to average assets | 1.5930% | 588 |
| Noninterest expense to average assets | 3.1407% | 2,757 |
| Loan and lease loss provision to assets | 0.1202% | 4,047 |
| Net operating income to assets | 1.6469% | 766 |
| Return on assets (ROA) | 1.6469% | 847 |
| Pretax return on assets | 1.6856% | 1,308 |
| Return on Equity (ROE) | 18.0348% | 498 |
| Retained earnings to average equity (ytd only) | 7.6080% | 1,793 |
| Net charge-offs to loans | 0.0755% | 4,655 |
| Credit loss provision to net charge-offs | 261.4286% | 1,056 |
| Earnings coverage of net charge-offs (x) | 39.2862% | 895 |
| Efficiency ratio | 63.3612% | 4,912 |
| Assets per employee ($millions) | 2.9453% | 6,137 |
| Cash dividends to net income (ytd only)* | 57.8151% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 6,538 |
| Loan loss allowance to noncurrent loans | 361.2536% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 5,709 |
| Noncurrent loans to loans | 0.2304% | 6,034 |
| Net loans and leases to total assets | 60.3572% | 3,709 |
| Net loans and leases to deposits | 71.3865% | 3,689 |
| Net loans and leases to core deposits | 74.4658% | 3,916 |
| Total domestic deposits to total assets | 84.5499% | 3,953 |
| Equity capital to assets | 8.7582% | 6,062 |
| Core capital (leverage) ratio | 7.9780% | 6,347 |
| Tier 1 risk-based capital ratio | 9.4696% | 6,906 |
| Total risk-based capital ratio | 10.0801% | 6,957 |
| Memoranda: | ||
| Average total assets | $203,048,500 | 3,041 |
| Average earning assets | $185,831,000 | 3,040 |
| Average equity | $18,541,500 | 3,427 |
| Average total loans | $123,560,750 | 3,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 4,532 |
| Cost of funding earning assets | 0.5933% | 4,956 |
| Net interest margin | 3.7165% | 3,743 |
| Noninterest income to average assets | 1.7866% | 489 |
| Noninterest expense to average assets | 2.8545% | 3,806 |
| Loan and lease loss provision to assets | 0.1207% | 4,019 |
| Net operating income to assets | 2.1700% | 297 |
| Return on assets (ROA) | 2.1700% | 337 |
| Pretax return on assets | 2.2095% | 476 |
| Return on Equity (ROE) | 23.3384% | 196 |
| Retained earnings to average equity (ytd only) | 10.7044% | 806 |
| Net charge-offs to loans | -0.0263% | 6,492 |
| Credit loss provision to net charge-offs | -753.3333% | 6,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0566% | 6,221 |
| Assets per employee ($millions) | 3.1187% | 5,801 |
| Cash dividends to net income (ytd only)* | 54.1339% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,634 |
| Loan loss allowance to noncurrent loans | 106.3847% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 4,087 |
| Noncurrent loans to loans | 1.0651% | 4,389 |
| Net loans and leases to total assets | 58.8473% | 4,012 |
| Net loans and leases to deposits | 69.8182% | 3,920 |
| Net loans and leases to core deposits | 72.7803% | 4,199 |
| Total domestic deposits to total assets | 84.2865% | 4,199 |
| Equity capital to assets | 9.4613% | 5,115 |
| Core capital (leverage) ratio | 8.7565% | 5,285 |
| Tier 1 risk-based capital ratio | 10.7200% | 6,607 |
| Total risk-based capital ratio | 11.5401% | 6,742 |
| Memoranda: | ||
| Average total assets | $187,282,000 | 3,248 |
| Average earning assets | $171,236,670 | 3,257 |
| Average equity | $17,413,330 | 3,581 |
| Average total loans | $113,957,330 | 3,251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 4,110 |
| Cost of funding earning assets | 0.5973% | 5,157 |
| Net interest margin | 3.8541% | 3,120 |
| Noninterest income to average assets | 1.0807% | 1,230 |
| Noninterest expense to average assets | 2.7900% | 4,074 |
| Loan and lease loss provision to assets | 0.1141% | 3,927 |
| Net operating income to assets | 1.6641% | 771 |
| Return on assets (ROA) | 1.6641% | 858 |
| Pretax return on assets | 1.7050% | 1,286 |
| Return on Equity (ROE) | 18.0602% | 540 |
| Retained earnings to average equity (ytd only) | 9.8829% | 1,294 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5325% | 5,540 |
| Assets per employee ($millions) | 3.3941% | 5,355 |
| Cash dividends to net income (ytd only)* | 45.2781% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 6,017 |
| Loan loss allowance to noncurrent loans | 91.5152% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 4,138 |
| Noncurrent loans to loans | 1.1670% | 4,378 |
| Net loans and leases to total assets | 57.8400% | 4,061 |
| Net loans and leases to deposits | 68.3858% | 3,996 |
| Net loans and leases to core deposits | 71.0993% | 4,278 |
| Total domestic deposits to total assets | 84.5790% | 4,234 |
| Equity capital to assets | 8.9935% | 5,504 |
| Core capital (leverage) ratio | 8.8423% | 5,080 |
| Tier 1 risk-based capital ratio | 10.8487% | 6,599 |
| Total risk-based capital ratio | 11.6518% | 6,761 |
| Memoranda: | ||
| Average total assets | $185,804,000 | 3,287 |
| Average earning assets | $170,104,500 | 3,286 |
| Average equity | $17,120,500 | 3,627 |
| Average total loans | $114,319,500 | 3,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 4,562 |
| Cost of funding earning assets | 0.7857% | 4,968 |
| Net interest margin | 3.8405% | 3,625 |
| Noninterest income to average assets | 0.8053% | 2,033 |
| Noninterest expense to average assets | 2.7716% | 4,469 |
| Loan and lease loss provision to assets | 0.1102% | 5,210 |
| Net operating income to assets | 1.4404% | 943 |
| Return on assets (ROA) | 1.4404% | 1,026 |
| Pretax return on assets | 1.4800% | 1,531 |
| Return on Equity (ROE) | 15.9153% | 616 |
| Retained earnings to average equity (ytd only) | 3.1246% | 4,003 |
| Net charge-offs to loans | 0.3718% | 3,545 |
| Credit loss provision to net charge-offs | 47.9616% | 5,470 |
| Earnings coverage of net charge-offs (x) | 6.9185% | 2,426 |
| Efficiency ratio | 63.5410% | 5,207 |
| Assets per employee ($millions) | 3.1254% | 5,855 |
| Cash dividends to net income (ytd only)* | 80.3674% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,219 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 5,134 |
| Noncurrent loans to loans | 0.3142% | 6,102 |
| Net loans and leases to total assets | 64.2044% | 3,140 |
| Net loans and leases to deposits | 76.9319% | 3,017 |
| Net loans and leases to core deposits | 80.4113% | 3,402 |
| Total domestic deposits to total assets | 83.4562% | 4,560 |
| Equity capital to assets | 9.4541% | 4,956 |
| Core capital (leverage) ratio | 8.6946% | 5,257 |
| Tier 1 risk-based capital ratio | 10.4405% | 6,710 |
| Total risk-based capital ratio | 11.1991% | 6,861 |
| Memoranda: | ||
| Average total assets | $181,413,000 | 3,310 |
| Average earning assets | $167,998,800 | 3,280 |
| Average equity | $16,418,200 | 3,662 |
| Average total loans | $112,172,000 | 3,328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 4,896 |
| Cost of funding earning assets | 0.8322% | 4,931 |
| Net interest margin | 3.7599% | 4,064 |
| Noninterest income to average assets | 0.7390% | 2,372 |
| Noninterest expense to average assets | 2.6764% | 4,818 |
| Loan and lease loss provision to assets | 0.1098% | 5,065 |
| Net operating income to assets | 1.3967% | 1,154 |
| Return on assets (ROA) | 1.3967% | 1,238 |
| Pretax return on assets | 1.4370% | 1,825 |
| Return on Equity (ROE) | 15.6034% | 733 |
| Retained earnings to average equity (ytd only) | 2.9343% | 4,596 |
| Net charge-offs to loans | 0.2192% | 4,066 |
| Credit loss provision to net charge-offs | 81.9672% | 4,075 |
| Earnings coverage of net charge-offs (x) | 11.5521% | 1,797 |
| Efficiency ratio | 63.3749% | 5,166 |
| Assets per employee ($millions) | 3.2916% | 5,499 |
| Cash dividends to net income (ytd only)* | 81.1945% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,598 |
| Loan loss allowance to noncurrent loans | 313.5831% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 5,203 |
| Noncurrent loans to loans | 0.3727% | 6,103 |
| Net loans and leases to total assets | 61.4322% | 3,865 |
| Net loans and leases to deposits | 73.7035% | 3,693 |
| Net loans and leases to core deposits | 78.3681% | 3,845 |
| Total domestic deposits to total assets | 83.3505% | 4,536 |
| Equity capital to assets | 9.1781% | 5,543 |
| Core capital (leverage) ratio | 8.4389% | 5,791 |
| Tier 1 risk-based capital ratio | 10.5212% | 6,768 |
| Total risk-based capital ratio | 11.4162% | 6,898 |
| Memoranda: | ||
| Average total assets | $182,230,000 | 3,315 |
| Average earning assets | $168,867,000 | 3,275 |
| Average equity | $16,312,250 | 3,688 |
| Average total loans | $111,332,000 | 3,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 5,175 |
| Cost of funding earning assets | 0.8714% | 4,891 |
| Net interest margin | 3.6778% | 4,369 |
| Noninterest income to average assets | 0.7029% | 2,535 |
| Noninterest expense to average assets | 2.6905% | 4,858 |
| Loan and lease loss provision to assets | 0.1102% | 4,923 |
| Net operating income to assets | 1.2802% | 1,367 |
| Return on assets (ROA) | 1.2802% | 1,435 |
| Pretax return on assets | 1.3199% | 2,077 |
| Return on Equity (ROE) | 14.4255% | 896 |
| Retained earnings to average equity (ytd only) | 0.1490% | 5,779 |
| Net charge-offs to loans | 0.3320% | 3,233 |
| Credit loss provision to net charge-offs | 54.6448% | 4,468 |
| Earnings coverage of net charge-offs (x) | 7.0929% | 2,273 |
| Efficiency ratio | 65.2941% | 5,008 |
| Assets per employee ($millions) | 3.1423% | 5,773 |
| Cash dividends to net income (ytd only)* | 98.9673% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 5,684 |
| Loan loss allowance to noncurrent loans | 292.2902% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 5,409 |
| Noncurrent loans to loans | 0.3987% | 6,105 |
| Net loans and leases to total assets | 57.9850% | 4,626 |
| Net loans and leases to deposits | 69.3185% | 4,521 |
| Net loans and leases to core deposits | 73.4316% | 4,647 |
| Total domestic deposits to total assets | 83.6502% | 4,488 |
| Equity capital to assets | 8.6899% | 5,953 |
| Core capital (leverage) ratio | 8.2050% | 6,026 |
| Tier 1 risk-based capital ratio | 9.9296% | 6,998 |
| Total risk-based capital ratio | 10.7611% | 7,105 |
| Memoranda: | ||
| Average total assets | $181,530,000 | 3,345 |
| Average earning assets | $168,689,000 | 3,298 |
| Average equity | $16,110,330 | 3,713 |
| Average total loans | $110,250,330 | 3,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 5,070 |
| Cost of funding earning assets | 0.9153% | 4,815 |
| Net interest margin | 3.6565% | 4,299 |
| Noninterest income to average assets | 0.7347% | 2,360 |
| Noninterest expense to average assets | 2.7749% | 4,545 |
| Loan and lease loss provision to assets | 0.1123% | 4,608 |
| Net operating income to assets | 1.2178% | 1,481 |
| Return on assets (ROA) | 1.2178% | 1,535 |
| Pretax return on assets | 1.2583% | 2,166 |
| Return on Equity (ROE) | 13.5725% | 1,073 |
| Retained earnings to average equity (ytd only) | 1.0517% | 5,404 |
| Net charge-offs to loans | 0.1308% | 3,729 |
| Credit loss provision to net charge-offs | 138.8889% | 2,013 |
| Earnings coverage of net charge-offs (x) | 16.9444% | 1,242 |
| Efficiency ratio | 66.9377% | 4,862 |
| Assets per employee ($millions) | 3.1715% | 5,789 |
| Cash dividends to net income (ytd only)* | 92.2509% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 5,133 |
| Loan loss allowance to noncurrent loans | 55.2411% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 4,177 |
| Noncurrent loans to loans | 2.3528% | 3,133 |
| Net loans and leases to total assets | 57.2187% | 4,760 |
| Net loans and leases to deposits | 68.1777% | 4,653 |
| Net loans and leases to core deposits | 71.7151% | 4,823 |
| Total domestic deposits to total assets | 83.9258% | 4,516 |
| Equity capital to assets | 8.6748% | 5,685 |
| Core capital (leverage) ratio | 8.4912% | 5,471 |
| Tier 1 risk-based capital ratio | 10.5586% | 6,778 |
| Total risk-based capital ratio | 11.5074% | 6,903 |
| Memoranda: | ||
| Average total assets | $178,025,000 | 3,414 |
| Average earning assets | $166,060,000 | 3,359 |
| Average equity | $15,973,500 | 3,732 |
| Average total loans | $110,068,500 | 3,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 4,075 |
| Cost of funding earning assets | 1.1689% | 4,743 |
| Net interest margin | 3.9365% | 3,313 |
| Noninterest income to average assets | 0.9169% | 1,786 |
| Noninterest expense to average assets | 2.9880% | 3,895 |
| Loan and lease loss provision to assets | 0.1286% | 5,882 |
| Net operating income to assets | 1.4128% | 919 |
| Return on assets (ROA) | 1.6576% | 608 |
| Pretax return on assets | 1.6957% | 950 |
| Return on Equity (ROE) | 18.2957% | 357 |
| Retained earnings to average equity (ytd only) | 8.7774% | 761 |
| Net charge-offs to loans | 0.2168% | 4,993 |
| Credit loss provision to net charge-offs | 93.0041% | 4,989 |
| Earnings coverage of net charge-offs (x) | 11.3909% | 1,614 |
| Efficiency ratio | 65.4906% | 5,072 |
| Assets per employee ($millions) | 3.0733% | 5,938 |
| Cash dividends to net income (ytd only)* | 52.0247% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,462 |
| Loan loss allowance to noncurrent loans | 57.5262% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 4,268 |
| Noncurrent loans to loans | 2.1013% | 3,435 |
| Net loans and leases to total assets | 65.1511% | 3,638 |
| Net loans and leases to deposits | 76.9516% | 3,691 |
| Net loans and leases to core deposits | 81.2409% | 4,016 |
| Total domestic deposits to total assets | 84.6650% | 4,016 |
| Equity capital to assets | 9.2909% | 4,702 |
| Core capital (leverage) ratio | 8.6706% | 5,069 |
| Tier 1 risk-based capital ratio | 10.6897% | 6,576 |
| Total risk-based capital ratio | 11.6431% | 6,753 |
| Memoranda: | ||
| Average total assets | $175,801,400 | 3,442 |
| Average earning assets | $162,808,200 | 3,395 |
| Average equity | $15,927,200 | 3,783 |
| Average total loans | $112,067,400 | 3,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 4,119 |
| Cost of funding earning assets | 1.2087% | 4,815 |
| Net interest margin | 3.9322% | 3,393 |
| Noninterest income to average assets | 0.7997% | 2,236 |
| Noninterest expense to average assets | 2.9567% | 3,899 |
| Loan and lease loss provision to assets | 0.1441% | 5,591 |
| Net operating income to assets | 1.2946% | 1,349 |
| Return on assets (ROA) | 1.2946% | 1,426 |
| Pretax return on assets | 1.3339% | 2,079 |
| Return on Equity (ROE) | 14.3792% | 958 |
| Retained earnings to average equity (ytd only) | 5.8656% | 2,432 |
| Net charge-offs to loans | 0.0454% | 6,082 |
| Credit loss provision to net charge-offs | 502.6316% | 578 |
| Earnings coverage of net charge-offs (x) | 51.5479% | 557 |
| Efficiency ratio | 66.6723% | 4,719 |
| Assets per employee ($millions) | 3.1114% | 5,898 |
| Cash dividends to net income (ytd only)* | 59.2074% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,836 |
| Loan loss allowance to noncurrent loans | 97.2871% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 5,314 |
| Noncurrent loans to loans | 1.3605% | 4,590 |
| Net loans and leases to total assets | 64.8204% | 3,944 |
| Net loans and leases to deposits | 77.6262% | 3,897 |
| Net loans and leases to core deposits | 83.7967% | 3,978 |
| Total domestic deposits to total assets | 83.5032% | 4,373 |
| Equity capital to assets | 9.2952% | 5,152 |
| Core capital (leverage) ratio | 8.0531% | 6,272 |
| Tier 1 risk-based capital ratio | 10.4864% | 6,786 |
| Total risk-based capital ratio | 11.5876% | 6,871 |
| Memoranda: | ||
| Average total assets | $176,726,000 | 3,470 |
| Average earning assets | $163,363,500 | 3,430 |
| Average equity | $15,911,500 | 3,825 |
| Average total loans | $111,709,500 | 3,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 4,332 |
| Cost of funding earning assets | 1.2432% | 4,876 |
| Net interest margin | 3.8798% | 3,536 |
| Noninterest income to average assets | 0.7557% | 2,353 |
| Noninterest expense to average assets | 2.8598% | 4,232 |
| Loan and lease loss provision to assets | 0.1654% | 5,231 |
| Net operating income to assets | 1.2667% | 1,388 |
| Return on assets (ROA) | 1.2667% | 1,455 |
| Pretax return on assets | 1.3052% | 2,069 |
| Return on Equity (ROE) | 14.2236% | 993 |
| Retained earnings to average equity (ytd only) | 6.3994% | 2,120 |
| Net charge-offs to loans | 0.1072% | 5,088 |
| Credit loss provision to net charge-offs | 247.4576% | 1,556 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,151 |
| Efficiency ratio | 66.0387% | 4,975 |
| Assets per employee ($millions) | 3.2955% | 5,445 |
| Cash dividends to net income (ytd only)* | 55.0089% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,835 |
| Loan loss allowance to noncurrent loans | 512.5000% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 6,994 |
| Noncurrent loans to loans | 0.2563% | 6,717 |
| Net loans and leases to total assets | 60.0886% | 5,042 |
| Net loans and leases to deposits | 73.3497% | 4,785 |
| Net loans and leases to core deposits | 80.3002% | 4,657 |
| Total domestic deposits to total assets | 81.9208% | 5,019 |
| Equity capital to assets | 8.6931% | 5,894 |
| Core capital (leverage) ratio | 8.0733% | 6,161 |
| Tier 1 risk-based capital ratio | 10.7895% | 6,454 |
| Total risk-based capital ratio | 11.8888% | 6,574 |
| Memoranda: | ||
| Average total assets | $176,518,000 | 3,493 |
| Average earning assets | $162,638,330 | 3,469 |
| Average equity | $15,720,330 | 3,849 |
| Average total loans | $110,112,330 | 3,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 3,926 |
| Cost of funding earning assets | 1.2601% | 5,062 |
| Net interest margin | 3.9578% | 3,063 |
| Noninterest income to average assets | 0.6029% | 3,262 |
| Noninterest expense to average assets | 2.9913% | 3,714 |
| Loan and lease loss provision to assets | 0.1043% | 5,580 |
| Net operating income to assets | 1.0898% | 1,862 |
| Return on assets (ROA) | 1.0898% | 1,944 |
| Pretax return on assets | 1.1269% | 2,643 |
| Return on Equity (ROE) | 12.0830% | 1,480 |
| Retained earnings to average equity (ytd only) | 9.2551% | 1,336 |
| Net charge-offs to loans | 0.0220% | 5,265 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 366 |
| Efficiency ratio | 70.8402% | 4,149 |
| Assets per employee ($millions) | 3.2197% | 5,723 |
| Cash dividends to net income (ytd only)* | 23.4043% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,805 |
| Loan loss allowance to noncurrent loans | 510.0000% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 5,508 |
| Noncurrent loans to loans | 0.2596% | 6,809 |
| Net loans and leases to total assets | 61.2029% | 4,904 |
| Net loans and leases to deposits | 74.6676% | 4,650 |
| Net loans and leases to core deposits | 81.6636% | 4,539 |
| Total domestic deposits to total assets | 81.9671% | 5,082 |
| Equity capital to assets | 9.0225% | 5,244 |
| Core capital (leverage) ratio | 8.3274% | 5,694 |
| Tier 1 risk-based capital ratio | 10.4973% | 6,635 |
| Total risk-based capital ratio | 11.5423% | 6,804 |
| Memoranda: | ||
| Average total assets | $172,502,500 | 3,620 |
| Average earning assets | $157,766,000 | 3,614 |
| Average equity | $15,559,000 | 3,903 |
| Average total loans | $108,984,000 | 3,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 3,757 |
| Cost of funding earning assets | 1.5318% | 5,368 |
| Net interest margin | 4.0377% | 2,705 |
| Noninterest income to average assets | 0.6545% | 3,258 |
| Noninterest expense to average assets | 2.8465% | 4,763 |
| Loan and lease loss provision to assets | 0.4232% | 4,289 |
| Net operating income to assets | 1.0972% | 1,517 |
| Return on assets (ROA) | 1.0972% | 1,557 |
| Pretax return on assets | 1.1348% | 2,140 |
| Return on Equity (ROE) | 12.1094% | 1,137 |
| Retained earnings to average equity (ytd only) | 5.4310% | 1,609 |
| Net charge-offs to loans | 0.2387% | 5,127 |
| Credit loss provision to net charge-offs | 274.4275% | 1,251 |
| Earnings coverage of net charge-offs (x) | 10.1031% | 1,724 |
| Efficiency ratio | 64.6265% | 5,655 |
| Assets per employee ($millions) | 3.1116% | 5,962 |
| Cash dividends to net income (ytd only)* | 55.1502% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,983 |
| Loan loss allowance to noncurrent loans | 480.6228% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 5,422 |
| Noncurrent loans to loans | 0.2624% | 6,772 |
| Net loans and leases to total assets | 63.5390% | 4,697 |
| Net loans and leases to deposits | 78.1279% | 4,342 |
| Net loans and leases to core deposits | 92.2965% | 4,847 |
| Total domestic deposits to total assets | 81.3269% | 5,221 |
| Equity capital to assets | 9.0166% | 5,122 |
| Core capital (leverage) ratio | 8.1098% | 5,975 |
| Tier 1 risk-based capital ratio | 10.4198% | 6,479 |
| Total risk-based capital ratio | 11.4548% | 6,649 |
| Memoranda: | ||
| Average total assets | $169,892,000 | 3,617 |
| Average earning assets | $157,789,400 | 3,558 |
| Average equity | $15,393,000 | 3,994 |
| Average total loans | $109,769,000 | 3,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5987% | 3,871 |
| Cost of funding earning assets | 1.5790% | 5,495 |
| Net interest margin | 4.0197% | 2,726 |
| Noninterest income to average assets | 0.6691% | 3,223 |
| Noninterest expense to average assets | 2.8721% | 4,562 |
| Loan and lease loss provision to assets | 0.2658% | 4,838 |
| Net operating income to assets | 1.2422% | 1,364 |
| Return on assets (ROA) | 1.2422% | 1,430 |
| Pretax return on assets | 1.2800% | 2,008 |
| Return on Equity (ROE) | 13.6940% | 981 |
| Retained earnings to average equity (ytd only) | 5.8243% | 2,029 |
| Net charge-offs to loans | 0.2796% | 4,282 |
| Credit loss provision to net charge-offs | 146.9565% | 3,300 |
| Earnings coverage of net charge-offs (x) | 8.5478% | 2,226 |
| Efficiency ratio | 65.0116% | 5,550 |
| Assets per employee ($millions) | 2.9586% | 6,269 |
| Cash dividends to net income (ytd only)* | 57.4686% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,632 |
| Loan loss allowance to noncurrent loans | 52.3402% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 4,762 |
| Noncurrent loans to loans | 1.7789% | 3,943 |
| Net loans and leases to total assets | 64.4868% | 4,753 |
| Net loans and leases to deposits | 79.0612% | 4,553 |
| Net loans and leases to core deposits | 95.2995% | 4,896 |
| Total domestic deposits to total assets | 81.5656% | 4,845 |
| Equity capital to assets | 9.0601% | 5,399 |
| Core capital (leverage) ratio | 8.0499% | 6,277 |
| Tier 1 risk-based capital ratio | 10.5051% | 6,464 |
| Total risk-based capital ratio | 11.2957% | 6,884 |
| Memoranda: | ||
| Average total assets | $169,580,250 | 3,634 |
| Average earning assets | $158,151,250 | 3,576 |
| Average equity | $15,383,500 | 4,030 |
| Average total loans | $109,679,000 | 3,737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 3,989 |
| Cost of funding earning assets | 1.6262% | 5,631 |
| Net interest margin | 3.9899% | 2,739 |
| Noninterest income to average assets | 0.6655% | 3,229 |
| Noninterest expense to average assets | 2.8217% | 4,869 |
| Loan and lease loss provision to assets | 0.0533% | 6,693 |
| Net operating income to assets | 1.4742% | 890 |
| Return on assets (ROA) | 1.4742% | 952 |
| Pretax return on assets | 1.5121% | 1,412 |
| Return on Equity (ROE) | 16.2437% | 666 |
| Retained earnings to average equity (ytd only) | 10.6465% | 620 |
| Net charge-offs to loans | 0.0018% | 6,603 |
| Credit loss provision to net charge-offs | 4,500.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 1,322.0000% | 19 |
| Efficiency ratio | 64.3185% | 5,847 |
| Assets per employee ($millions) | 2.9143% | 6,345 |
| Cash dividends to net income (ytd only)* | 34.4578% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 6,854 |
| Loan loss allowance to noncurrent loans | 1,084.4444% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 7,471 |
| Noncurrent loans to loans | 0.0811% | 7,324 |
| Net loans and leases to total assets | 64.0041% | 4,979 |
| Net loans and leases to deposits | 79.4292% | 4,632 |
| Net loans and leases to core deposits | 95.1397% | 4,992 |
| Total domestic deposits to total assets | 80.5801% | 5,239 |
| Equity capital to assets | 9.0839% | 5,194 |
| Core capital (leverage) ratio | 8.1174% | 6,129 |
| Tier 1 risk-based capital ratio | 10.8830% | 6,000 |
| Total risk-based capital ratio | 11.6437% | 6,426 |
| Memoranda: | ||
| Average total assets | $168,907,670 | 3,666 |
| Average earning assets | $157,549,670 | 3,605 |
| Average equity | $15,329,000 | 4,061 |
| Average total loans | $109,006,000 | 3,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6133% | 4,275 |
| Cost of funding earning assets | 1.6768% | 5,709 |
| Net interest margin | 3.9365% | 2,903 |
| Noninterest income to average assets | 0.6261% | 3,371 |
| Noninterest expense to average assets | 2.8198% | 4,483 |
| Loan and lease loss provision to assets | 0.0358% | 6,497 |
| Net operating income to assets | 1.3955% | 1,148 |
| Return on assets (ROA) | 1.3955% | 1,237 |
| Pretax return on assets | 1.4338% | 1,866 |
| Return on Equity (ROE) | 15.3846% | 906 |
| Retained earnings to average equity (ytd only) | 15.3846% | 377 |
| Net charge-offs to loans | 0.0037% | 5,669 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 33 |
| Efficiency ratio | 65.7382% | 5,379 |
| Assets per employee ($millions) | 3.0988% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,808 |
| Loan loss allowance to noncurrent loans | 175.1852% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 6,561 |
| Noncurrent loans to loans | 0.5054% | 6,164 |
| Net loans and leases to total assets | 62.1371% | 5,295 |
| Net loans and leases to deposits | 78.9704% | 4,776 |
| Net loans and leases to core deposits | 93.6847% | 5,187 |
| Total domestic deposits to total assets | 78.6841% | 5,828 |
| Equity capital to assets | 8.9922% | 5,357 |
| Core capital (leverage) ratio | 8.2288% | 6,042 |
| Tier 1 risk-based capital ratio | 11.5876% | 5,321 |
| Total risk-based capital ratio | 12.3858% | 5,695 |
| Memoranda: | ||
| Average total assets | $167,390,500 | 3,701 |
| Average earning assets | $155,773,500 | 3,649 |
| Average equity | $15,184,000 | 4,111 |
| Average total loans | $107,996,000 | 3,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2907% | 4,015 |
| Cost of funding earning assets | 2.1693% | 5,734 |
| Net interest margin | 4.1214% | 2,621 |
| Noninterest income to average assets | 0.5406% | 4,313 |
| Noninterest expense to average assets | 2.7671% | 4,974 |
| Loan and lease loss provision to assets | 0.0541% | 6,738 |
| Net operating income to assets | 1.4737% | 1,071 |
| Return on assets (ROA) | 1.4737% | 1,028 |
| Pretax return on assets | 1.5124% | 1,646 |
| Return on Equity (ROE) | 16.8849% | 651 |
| Retained earnings to average equity (ytd only) | 3.3192% | 3,083 |
| Net charge-offs to loans | -0.0076% | 7,825 |
| Credit loss provision to net charge-offs | -1,100.0000% | 7,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8518% | 5,594 |
| Assets per employee ($millions) | 2.7391% | 6,703 |
| Cash dividends to net income (ytd only)* | 80.3422% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 6,882 |
| Loan loss allowance to noncurrent loans | 6,213.3333% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,598 |
| Noncurrent loans to loans | 0.0137% | 7,484 |
| Net loans and leases to total assets | 65.8432% | 4,880 |
| Net loans and leases to deposits | 80.9664% | 4,879 |
| Net loans and leases to core deposits | 95.2704% | 5,317 |
| Total domestic deposits to total assets | 81.3216% | 4,501 |
| Equity capital to assets | 9.1527% | 5,147 |
| Core capital (leverage) ratio | 8.0736% | 6,369 |
| Tier 1 risk-based capital ratio | 10.5376% | 6,171 |
| Total risk-based capital ratio | 11.2846% | 6,576 |
| Memoranda: | ||
| Average total assets | $162,589,000 | 3,675 |
| Average earning assets | $149,633,600 | 3,663 |
| Average equity | $14,190,200 | 4,296 |
| Average total loans | $105,080,600 | 3,824 |