Home > First State Bank Nebraska > Performance and Condition Ratios
First State Bank Nebraska, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 2,661 |
| Cost of funding earning assets | 1.9265% | 1,028 |
| Net interest margin | 2.7819% | 3,698 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7753% | 4,036 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9769% | 2,285 |
| Return on assets (ROA) | 0.8797% | 2,576 |
| Pretax return on assets | 0.9113% | 2,933 |
| Return on Equity (ROE) | 9.4500% | 2,646 |
| Retained earnings to average equity (ytd only) | 2.6920% | 3,383 |
| Net charge-offs to loans | 0.0276% | 1,757 |
| Credit loss provision to net charge-offs | 265.8163% | 1,028 |
| Earnings coverage of net charge-offs (x) | 54.3622% | 1,244 |
| Efficiency ratio | 61.6275% | 2,885 |
| Assets per employee ($millions) | 8.1408% | 1,365 |
| Cash dividends to net income (ytd only)* | 71.5142% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,367 |
| Loan loss allowance to noncurrent loans | 546.9719% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 2,613 |
| Noncurrent loans to loans | 0.1810% | 2,610 |
| Net loans and leases to total assets | 74.5900% | 1,286 |
| Net loans and leases to deposits | 92.4048% | 1,059 |
| Net loans and leases to core deposits | 97.1434% | 1,584 |
| Total domestic deposits to total assets | 80.7200% | 3,352 |
| Equity capital to assets | 9.4815% | 2,359 |
| Core capital (leverage) ratio | 8.9897% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7745% | 2,314 |
| Memoranda: | ||
| Average total assets | $985,632,400 | 1,000 |
| Average earning assets | $907,917,200 | 988 |
| Average equity | $91,755,000 | 1,011 |
| Average total loans | $710,193,000 | 944 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 2,708 |
| Cost of funding earning assets | 1.8668% | 905 |
| Net interest margin | 2.7205% | 3,854 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.7856% | 4,006 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9018% | 2,670 |
| Return on assets (ROA) | 0.9083% | 2,636 |
| Pretax return on assets | 0.9410% | 3,001 |
| Return on Equity (ROE) | 9.8000% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.6583% | 3,341 |
| Net charge-offs to loans | 0.0335% | 1,416 |
| Credit loss provision to net charge-offs | 289.2045% | 910 |
| Earnings coverage of net charge-offs (x) | 42.0568% | 1,417 |
| Efficiency ratio | 63.4884% | 2,564 |
| Assets per employee ($millions) | 8.1507% | 1,277 |
| Cash dividends to net income (ytd only)* | 62.6828% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,220 |
| Loan loss allowance to noncurrent loans | 277.1589% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,918 |
| Noncurrent loans to loans | 0.3707% | 1,905 |
| Net loans and leases to total assets | 72.4100% | 1,525 |
| Net loans and leases to deposits | 90.6328% | 1,189 |
| Net loans and leases to core deposits | 94.9101% | 1,622 |
| Total domestic deposits to total assets | 79.9000% | 3,546 |
| Equity capital to assets | 9.1329% | 2,340 |
| Core capital (leverage) ratio | 8.9967% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0558% | 2,250 |
| Memoranda: | ||
| Average total assets | $983,745,000 | 1,003 |
| Average earning assets | $905,693,750 | 993 |
| Average equity | $91,151,500 | 1,017 |
| Average total loans | $700,678,250 | 952 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 2,724 |
| Cost of funding earning assets | 1.7503% | 813 |
| Net interest margin | 2.7179% | 3,946 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.7753% | 4,047 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9034% | 2,744 |
| Return on assets (ROA) | 0.9034% | 2,732 |
| Pretax return on assets | 0.9388% | 3,072 |
| Return on Equity (ROE) | 9.7000% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.8934% | 2,966 |
| Net charge-offs to loans | 0.0063% | 2,010 |
| Credit loss provision to net charge-offs | 1,545.4545% | 311 |
| Earnings coverage of net charge-offs (x) | 225.1818% | 546 |
| Efficiency ratio | 63.2429% | 2,567 |
| Assets per employee ($millions) | 7.5452% | 1,580 |
| Cash dividends to net income (ytd only)* | 49.5721% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,212 |
| Loan loss allowance to noncurrent loans | 478.5899% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,447 |
| Noncurrent loans to loans | 0.2187% | 2,392 |
| Net loans and leases to total assets | 71.3100% | 1,605 |
| Net loans and leases to deposits | 89.0049% | 1,261 |
| Net loans and leases to core deposits | 93.4702% | 1,599 |
| Total domestic deposits to total assets | 80.1200% | 3,563 |
| Equity capital to assets | 9.2720% | 2,333 |
| Core capital (leverage) ratio | 9.0784% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3676% | 2,148 |
| Memoranda: | ||
| Average total assets | $982,917,000 | 992 |
| Average earning assets | $903,856,000 | 989 |
| Average equity | $91,511,667 | 1,008 |
| Average total loans | $693,708,000 | 946 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,724 |
| Cost of funding earning assets | 1.5474% | 772 |
| Net interest margin | 2.7852% | 3,964 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.7485% | 4,118 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9740% | 2,611 |
| Return on assets (ROA) | 0.9740% | 2,578 |
| Pretax return on assets | 1.0094% | 2,959 |
| Return on Equity (ROE) | 10.4400% | 2,653 |
| Retained earnings to average equity (ytd only) | 6.0832% | 2,740 |
| Net charge-offs to loans | 0.0105% | 1,545 |
| Credit loss provision to net charge-offs | 944.4444% | 375 |
| Earnings coverage of net charge-offs (x) | 147.3889% | 616 |
| Efficiency ratio | 61.3172% | 2,774 |
| Assets per employee ($millions) | 8.0957% | 1,292 |
| Cash dividends to net income (ytd only)* | 41.7362% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,255 |
| Loan loss allowance to noncurrent loans | 4,696.7532% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,681 |
| Noncurrent loans to loans | 0.0225% | 3,610 |
| Net loans and leases to total assets | 67.8800% | 1,851 |
| Net loans and leases to deposits | 78.7127% | 1,910 |
| Net loans and leases to core deposits | 81.8589% | 2,127 |
| Total domestic deposits to total assets | 86.2300% | 2,532 |
| Equity capital to assets | 9.3162% | 2,284 |
| Core capital (leverage) ratio | 8.9467% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2722% | 2,282 |
| Memoranda: | ||
| Average total assets | $983,940,000 | 1,005 |
| Average earning assets | $900,327,500 | 1,011 |
| Average equity | $91,794,500 | 1,015 |
| Average total loans | $687,125,000 | 971 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 2,273 |
| Cost of funding earning assets | 0.7837% | 414 |
| Net interest margin | 3.0200% | 3,398 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7736% | 4,058 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2260% | 1,681 |
| Return on assets (ROA) | 1.2260% | 1,629 |
| Pretax return on assets | 1.2609% | 2,234 |
| Return on Equity (ROE) | 13.1100% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.3545% | 816 |
| Net charge-offs to loans | 0.0473% | 1,215 |
| Credit loss provision to net charge-offs | 164.8649% | 1,235 |
| Earnings coverage of net charge-offs (x) | 40.4797% | 1,500 |
| Efficiency ratio | 56.8739% | 3,482 |
| Assets per employee ($millions) | 8.6795% | 1,024 |
| Cash dividends to net income (ytd only)* | 13.4216% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,229 |
| Loan loss allowance to noncurrent loans | 3,933.8889% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,660 |
| Noncurrent loans to loans | 0.0260% | 3,605 |
| Net loans and leases to total assets | 70.3700% | 1,603 |
| Net loans and leases to deposits | 86.2153% | 1,296 |
| Net loans and leases to core deposits | 90.0181% | 1,503 |
| Total domestic deposits to total assets | 81.6200% | 3,676 |
| Equity capital to assets | 9.3426% | 2,116 |
| Core capital (leverage) ratio | 8.9036% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7231% | 2,480 |
| Memoranda: | ||
| Average total assets | $911,605,000 | 1,068 |
| Average earning assets | $834,377,800 | 1,072 |
| Average equity | $85,217,200 | 1,079 |
| Average total loans | $626,411,400 | 1,007 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6782% | 2,106 |
| Cost of funding earning assets | 0.6077% | 418 |
| Net interest margin | 3.0705% | 3,018 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.7731% | 4,031 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2765% | 1,436 |
| Return on assets (ROA) | 1.2765% | 1,401 |
| Pretax return on assets | 1.3079% | 2,023 |
| Return on Equity (ROE) | 13.6500% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.2672% | 978 |
| Net charge-offs to loans | 0.0107% | 1,713 |
| Credit loss provision to net charge-offs | 742.8571% | 495 |
| Earnings coverage of net charge-offs (x) | 186.8980% | 646 |
| Efficiency ratio | 55.9867% | 3,624 |
| Assets per employee ($millions) | 7.9159% | 1,370 |
| Cash dividends to net income (ytd only)* | 17.4764% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 2,984 |
| Loan loss allowance to noncurrent loans | 1,910.6101% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,505 |
| Noncurrent loans to loans | 0.0579% | 3,465 |
| Net loans and leases to total assets | 68.3600% | 1,633 |
| Net loans and leases to deposits | 80.7599% | 1,537 |
| Net loans and leases to core deposits | 84.1242% | 1,643 |
| Total domestic deposits to total assets | 84.6500% | 3,358 |
| Equity capital to assets | 9.2073% | 2,074 |
| Core capital (leverage) ratio | 8.9480% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2593% | 2,372 |
| Memoranda: | ||
| Average total assets | $896,480,500 | 1,084 |
| Average earning assets | $821,895,500 | 1,087 |
| Average equity | $83,816,500 | 1,099 |
| Average total loans | $610,235,000 | 1,024 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 2,112 |
| Cost of funding earning assets | 0.4755% | 599 |
| Net interest margin | 3.0347% | 2,784 |
| Noninterest income to average assets | 0.3313% | 3,174 |
| Noninterest expense to average assets | 1.7742% | 4,014 |
| Loan and lease loss provision to assets | 0.0542% | 1,606 |
| Net operating income to assets | 1.2586% | 1,258 |
| Return on assets (ROA) | 1.2586% | 1,244 |
| Pretax return on assets | 1.2867% | 1,788 |
| Return on Equity (ROE) | 13.3889% | 1,271 |
| Retained earnings to average equity (ytd only) | 9.7677% | 1,081 |
| Net charge-offs to loans | 0.0168% | 1,410 |
| Credit loss provision to net charge-offs | 478.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 118.1800% | 746 |
| Efficiency ratio | 56.3707% | 3,739 |
| Assets per employee ($millions) | 7.5953% | 1,553 |
| Cash dividends to net income (ytd only)* | 27.0465% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,009 |
| Loan loss allowance to noncurrent loans | 1,313.1725% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,385 |
| Noncurrent loans to loans | 0.0865% | 3,344 |
| Net loans and leases to total assets | 68.1791% | 1,464 |
| Net loans and leases to deposits | 80.8337% | 1,327 |
| Net loans and leases to core deposits | 83.7329% | 1,468 |
| Total domestic deposits to total assets | 84.3448% | 3,613 |
| Equity capital to assets | 9.0937% | 2,325 |
| Core capital (leverage) ratio | 9.0312% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6336% | 2,236 |
| Memoranda: | ||
| Average total assets | $881,309,333 | 1,092 |
| Average earning assets | $808,451,000 | 1,112 |
| Average equity | $82,844,667 | 1,123 |
| Average total loans | $596,591,667 | 1,031 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 2,074 |
| Cost of funding earning assets | 0.4966% | 507 |
| Net interest margin | 2.9090% | 2,810 |
| Noninterest income to average assets | 0.3255% | 3,156 |
| Noninterest expense to average assets | 1.7581% | 4,040 |
| Loan and lease loss provision to assets | 0.0529% | 1,434 |
| Net operating income to assets | 1.1489% | 1,381 |
| Return on assets (ROA) | 1.1489% | 1,379 |
| Pretax return on assets | 1.1806% | 1,878 |
| Return on Equity (ROE) | 12.0187% | 1,308 |
| Retained earnings to average equity (ytd only) | 4.8046% | 2,661 |
| Net charge-offs to loans | 0.0041% | 1,621 |
| Credit loss provision to net charge-offs | 1,916.6667% | 219 |
| Earnings coverage of net charge-offs (x) | 447.1667% | 229 |
| Efficiency ratio | 58.1528% | 3,664 |
| Assets per employee ($millions) | 7.7073% | 1,541 |
| Cash dividends to net income (ytd only)* | 60.0240% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,786 |
| Loan loss allowance to noncurrent loans | 953.4060% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,252 |
| Noncurrent loans to loans | 0.1273% | 3,177 |
| Net loans and leases to total assets | 64.2814% | 1,590 |
| Net loans and leases to deposits | 75.7404% | 1,475 |
| Net loans and leases to core deposits | 78.4069% | 1,580 |
| Total domestic deposits to total assets | 84.8708% | 3,567 |
| Equity capital to assets | 9.1883% | 2,535 |
| Core capital (leverage) ratio | 8.5865% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8345% | 2,290 |
| Memoranda: | ||
| Average total assets | $870,042,500 | 1,115 |
| Average earning assets | $797,379,000 | 1,129 |
| Average equity | $83,170,500 | 1,156 |
| Average total loans | $583,232,500 | 1,040 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 1,472 |
| Cost of funding earning assets | 0.6173% | 505 |
| Net interest margin | 3.3377% | 2,216 |
| Noninterest income to average assets | 0.3907% | 3,097 |
| Noninterest expense to average assets | 1.9024% | 3,919 |
| Loan and lease loss provision to assets | 0.0719% | 1,656 |
| Net operating income to assets | 1.4336% | 1,171 |
| Return on assets (ROA) | 1.4574% | 1,186 |
| Pretax return on assets | 1.4974% | 1,738 |
| Return on Equity (ROE) | 14.7782% | 1,000 |
| Retained earnings to average equity (ytd only) | 10.3055% | 844 |
| Net charge-offs to loans | 0.0258% | 1,729 |
| Credit loss provision to net charge-offs | 410.4895% | 898 |
| Earnings coverage of net charge-offs (x) | 88.1958% | 941 |
| Efficiency ratio | 54.6175% | 3,858 |
| Assets per employee ($millions) | 7.2969% | 1,728 |
| Cash dividends to net income (ytd only)* | 30.2656% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,031 |
| Loan loss allowance to noncurrent loans | 755.3728% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 3,184 |
| Noncurrent loans to loans | 0.1547% | 3,164 |
| Net loans and leases to total assets | 68.2670% | 1,236 |
| Net loans and leases to deposits | 81.6843% | 1,090 |
| Net loans and leases to core deposits | 85.3030% | 1,240 |
| Total domestic deposits to total assets | 83.5742% | 3,671 |
| Equity capital to assets | 9.9446% | 2,702 |
| Core capital (leverage) ratio | 8.7820% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6227% | 2,400 |
| Memoranda: | ||
| Average total assets | $816,410,200 | 1,141 |
| Average earning assets | $747,615,600 | 1,156 |
| Average equity | $80,510,400 | 1,205 |
| Average total loans | $553,756,600 | 1,083 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 1,329 |
| Cost of funding earning assets | 0.6393% | 518 |
| Net interest margin | 3.4496% | 2,009 |
| Noninterest income to average assets | 0.3894% | 3,151 |
| Noninterest expense to average assets | 1.8939% | 3,957 |
| Loan and lease loss provision to assets | 0.0968% | 1,237 |
| Net operating income to assets | 1.5162% | 1,235 |
| Return on assets (ROA) | 1.5162% | 1,285 |
| Pretax return on assets | 1.5554% | 1,833 |
| Return on Equity (ROE) | 15.4094% | 1,060 |
| Retained earnings to average equity (ytd only) | 9.3635% | 1,548 |
| Net charge-offs to loans | 0.0122% | 1,875 |
| Credit loss provision to net charge-offs | 1,172.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 200.0200% | 552 |
| Efficiency ratio | 52.8488% | 3,937 |
| Assets per employee ($millions) | 7.5826% | 1,520 |
| Cash dividends to net income (ytd only)* | 39.2351% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,811 |
| Loan loss allowance to noncurrent loans | 1,678.1250% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,830 |
| Noncurrent loans to loans | 0.0738% | 3,721 |
| Net loans and leases to total assets | 64.4411% | 1,715 |
| Net loans and leases to deposits | 76.8686% | 1,590 |
| Net loans and leases to core deposits | 79.8350% | 1,750 |
| Total domestic deposits to total assets | 83.8328% | 3,499 |
| Equity capital to assets | 9.6764% | 3,218 |
| Core capital (leverage) ratio | 8.4217% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8537% | 2,413 |
| Memoranda: | ||
| Average total assets | $807,077,250 | 1,156 |
| Average earning assets | $738,550,500 | 1,175 |
| Average equity | $79,412,750 | 1,234 |
| Average total loans | $544,767,500 | 1,115 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 1,515 |
| Cost of funding earning assets | 0.6724% | 518 |
| Net interest margin | 3.3517% | 2,295 |
| Noninterest income to average assets | 0.3853% | 3,192 |
| Noninterest expense to average assets | 1.9153% | 3,930 |
| Loan and lease loss provision to assets | 0.1157% | 1,091 |
| Net operating income to assets | 1.3785% | 1,633 |
| Return on assets (ROA) | 1.3785% | 1,703 |
| Pretax return on assets | 1.4148% | 2,286 |
| Return on Equity (ROE) | 13.9252% | 1,433 |
| Retained earnings to average equity (ytd only) | 7.2562% | 2,341 |
| Net charge-offs to loans | 0.0145% | 1,660 |
| Credit loss provision to net charge-offs | 1,169.2308% | 429 |
| Earnings coverage of net charge-offs (x) | 154.6154% | 581 |
| Efficiency ratio | 54.9941% | 3,677 |
| Assets per employee ($millions) | 6.7862% | 1,955 |
| Cash dividends to net income (ytd only)* | 47.8917% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,693 |
| Loan loss allowance to noncurrent loans | 1,880.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,962 |
| Noncurrent loans to loans | 0.0663% | 3,859 |
| Net loans and leases to total assets | 65.6554% | 1,732 |
| Net loans and leases to deposits | 78.5401% | 1,572 |
| Net loans and leases to core deposits | 81.1427% | 1,781 |
| Total domestic deposits to total assets | 83.5947% | 3,546 |
| Equity capital to assets | 9.5995% | 3,254 |
| Core capital (leverage) ratio | 8.4413% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7931% | 2,436 |
| Memoranda: | ||
| Average total assets | $787,964,333 | 1,175 |
| Average earning assets | $719,507,000 | 1,202 |
| Average equity | $78,002,333 | 1,245 |
| Average total loans | $538,350,000 | 1,127 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 1,949 |
| Cost of funding earning assets | 0.7134% | 521 |
| Net interest margin | 3.1394% | 2,874 |
| Noninterest income to average assets | 0.3943% | 3,116 |
| Noninterest expense to average assets | 1.9240% | 3,930 |
| Loan and lease loss provision to assets | 0.1135% | 1,217 |
| Net operating income to assets | 1.1740% | 2,253 |
| Return on assets (ROA) | 1.1740% | 2,322 |
| Pretax return on assets | 1.2078% | 2,829 |
| Return on Equity (ROE) | 11.6689% | 2,139 |
| Retained earnings to average equity (ytd only) | 3.3857% | 3,665 |
| Net charge-offs to loans | 0.0180% | 1,385 |
| Credit loss provision to net charge-offs | 908.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 105.7083% | 600 |
| Efficiency ratio | 58.6423% | 3,214 |
| Assets per employee ($millions) | 6.5565% | 2,129 |
| Cash dividends to net income (ytd only)* | 70.9849% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,691 |
| Loan loss allowance to noncurrent loans | 665.8977% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,538 |
| Noncurrent loans to loans | 0.1870% | 3,436 |
| Net loans and leases to total assets | 67.4997% | 1,594 |
| Net loans and leases to deposits | 79.7581% | 1,543 |
| Net loans and leases to core deposits | 82.4961% | 1,803 |
| Total domestic deposits to total assets | 84.6305% | 3,244 |
| Equity capital to assets | 10.0844% | 2,628 |
| Core capital (leverage) ratio | 8.6077% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3422% | 2,143 |
| Memoranda: | ||
| Average total assets | $767,989,500 | 1,189 |
| Average earning assets | $697,456,500 | 1,218 |
| Average equity | $77,265,500 | 1,247 |
| Average total loans | $532,309,000 | 1,142 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,166 |
| Cost of funding earning assets | 0.9818% | 637 |
| Net interest margin | 3.2070% | 3,338 |
| Noninterest income to average assets | 0.4785% | 2,734 |
| Noninterest expense to average assets | 1.9710% | 4,196 |
| Loan and lease loss provision to assets | 0.1529% | 2,460 |
| Net operating income to assets | 1.2456% | 1,394 |
| Return on assets (ROA) | 1.2456% | 1,503 |
| Pretax return on assets | 1.2780% | 2,054 |
| Return on Equity (ROE) | 12.7647% | 1,102 |
| Retained earnings to average equity (ytd only) | 4.7078% | 2,411 |
| Net charge-offs to loans | 0.0269% | 2,495 |
| Credit loss provision to net charge-offs | 788.8112% | 913 |
| Earnings coverage of net charge-offs (x) | 73.8182% | 942 |
| Efficiency ratio | 57.5351% | 3,787 |
| Assets per employee ($millions) | 6.1443% | 2,216 |
| Cash dividends to net income (ytd only)* | 63.1189% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,873 |
| Loan loss allowance to noncurrent loans | 534.4113% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 3,478 |
| Noncurrent loans to loans | 0.2270% | 3,393 |
| Net loans and leases to total assets | 69.4518% | 1,624 |
| Net loans and leases to deposits | 85.1560% | 1,329 |
| Net loans and leases to core deposits | 88.2909% | 1,663 |
| Total domestic deposits to total assets | 81.5582% | 3,753 |
| Equity capital to assets | 10.0364% | 3,098 |
| Core capital (leverage) ratio | 8.6500% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9252% | 2,266 |
| Memoranda: | ||
| Average total assets | $737,692,000 | 1,122 |
| Average earning assets | $672,466,400 | 1,147 |
| Average equity | $71,987,600 | 1,270 |
| Average total loans | $531,258,400 | 1,086 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,452 |
| Cost of funding earning assets | 1.1464% | 446 |
| Net interest margin | 3.4033% | 2,915 |
| Noninterest income to average assets | 0.5075% | 2,588 |
| Noninterest expense to average assets | 2.0657% | 4,015 |
| Loan and lease loss provision to assets | 0.1314% | 2,708 |
| Net operating income to assets | 1.3789% | 1,157 |
| Return on assets (ROA) | 1.3789% | 1,248 |
| Pretax return on assets | 1.4143% | 1,679 |
| Return on Equity (ROE) | 14.4777% | 801 |
| Retained earnings to average equity (ytd only) | 1.7026% | 4,029 |
| Net charge-offs to loans | 0.0013% | 3,170 |
| Credit loss provision to net charge-offs | 12,580.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 1,473.6000% | 81 |
| Efficiency ratio | 57.0142% | 3,792 |
| Assets per employee ($millions) | 6.7624% | 1,647 |
| Cash dividends to net income (ytd only)* | 88.2398% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,907 |
| Loan loss allowance to noncurrent loans | 479.4326% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 3,482 |
| Noncurrent loans to loans | 0.2413% | 3,438 |
| Net loans and leases to total assets | 77.6476% | 873 |
| Net loans and leases to deposits | 97.9950% | 625 |
| Net loans and leases to core deposits | 101.9598% | 1,029 |
| Total domestic deposits to total assets | 79.2363% | 4,018 |
| Equity capital to assets | 8.9990% | 4,124 |
| Core capital (leverage) ratio | 8.5266% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8109% | 2,679 |
| Memoranda: | ||
| Average total assets | $635,578,250 | 1,259 |
| Average earning assets | $579,665,500 | 1,277 |
| Average equity | $60,533,000 | 1,427 |
| Average total loans | $498,872,500 | 1,129 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,476 |
| Cost of funding earning assets | 1.2066% | 490 |
| Net interest margin | 3.4628% | 2,911 |
| Noninterest income to average assets | 0.4943% | 2,598 |
| Noninterest expense to average assets | 2.1372% | 3,955 |
| Loan and lease loss provision to assets | 0.1333% | 2,675 |
| Net operating income to assets | 1.3372% | 1,255 |
| Return on assets (ROA) | 1.3372% | 1,354 |
| Pretax return on assets | 1.3737% | 1,791 |
| Return on Equity (ROE) | 13.7691% | 925 |
| Retained earnings to average equity (ytd only) | -0.4156% | 4,388 |
| Net charge-offs to loans | 0.0114% | 2,550 |
| Credit loss provision to net charge-offs | 1,485.7143% | 608 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 502 |
| Efficiency ratio | 58.4615% | 3,636 |
| Assets per employee ($millions) | 6.3605% | 1,896 |
| Cash dividends to net income (ytd only)* | 103.0187% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 2,960 |
| Loan loss allowance to noncurrent loans | 365.7911% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 3,359 |
| Noncurrent loans to loans | 0.3051% | 3,292 |
| Net loans and leases to total assets | 76.8577% | 1,011 |
| Net loans and leases to deposits | 107.6218% | 279 |
| Net loans and leases to core deposits | 111.2035% | 694 |
| Total domestic deposits to total assets | 71.4146% | 4,739 |
| Equity capital to assets | 8.7468% | 4,314 |
| Core capital (leverage) ratio | 8.6378% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4948% | 2,816 |
| Memoranda: | ||
| Average total assets | $624,278,667 | 1,260 |
| Average earning assets | $567,867,667 | 1,273 |
| Average equity | $60,628,667 | 1,416 |
| Average total loans | $489,857,667 | 1,133 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 1,260 |
| Cost of funding earning assets | 1.2978% | 569 |
| Net interest margin | 3.5762% | 2,749 |
| Noninterest income to average assets | 0.4966% | 2,564 |
| Noninterest expense to average assets | 2.2092% | 3,983 |
| Loan and lease loss provision to assets | 0.1388% | 1,999 |
| Net operating income to assets | 1.3442% | 1,123 |
| Return on assets (ROA) | 1.3442% | 1,211 |
| Pretax return on assets | 1.3836% | 1,612 |
| Return on Equity (ROE) | 13.1084% | 865 |
| Retained earnings to average equity (ytd only) | 4.6472% | 2,438 |
| Net charge-offs to loans | 0.0008% | 2,570 |
| Credit loss provision to net charge-offs | 20,800.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 2,281.0000% | 10 |
| Efficiency ratio | 59.0055% | 3,872 |
| Assets per employee ($millions) | 5.6212% | 2,001 |
| Cash dividends to net income (ytd only)* | 64.5482% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,591 |
| Loan loss allowance to noncurrent loans | 755.7333% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,998 |
| Noncurrent loans to loans | 0.1606% | 3,885 |
| Net loans and leases to total assets | 78.1375% | 959 |
| Net loans and leases to deposits | 101.5240% | 460 |
| Net loans and leases to core deposits | 104.2841% | 1,172 |
| Total domestic deposits to total assets | 76.9645% | 4,356 |
| Equity capital to assets | 10.1122% | 3,682 |
| Core capital (leverage) ratio | 9.1424% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0212% | 2,687 |
| Memoranda: | ||
| Average total assets | $599,312,000 | 1,262 |
| Average earning assets | $542,144,000 | 1,282 |
| Average equity | $61,457,000 | 1,394 |
| Average total loans | $472,770,000 | 1,145 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 1,596 |
| Cost of funding earning assets | 1.4351% | 492 |
| Net interest margin | 3.5216% | 3,378 |
| Noninterest income to average assets | 0.5606% | 2,416 |
| Noninterest expense to average assets | 2.1977% | 4,167 |
| Loan and lease loss provision to assets | 0.1551% | 1,359 |
| Net operating income to assets | 1.3591% | 1,479 |
| Return on assets (ROA) | 1.3701% | 1,523 |
| Pretax return on assets | 1.4080% | 2,129 |
| Return on Equity (ROE) | 13.4775% | 1,020 |
| Retained earnings to average equity (ytd only) | 6.2934% | 1,723 |
| Net charge-offs to loans | 0.0963% | 1,761 |
| Credit loss provision to net charge-offs | 210.8545% | 1,262 |
| Earnings coverage of net charge-offs (x) | 21.0947% | 1,903 |
| Efficiency ratio | 58.4323% | 3,922 |
| Assets per employee ($millions) | 5.5309% | 2,036 |
| Cash dividends to net income (ytd only)* | 53.3044% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,744 |
| Loan loss allowance to noncurrent loans | 890.8646% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,120 |
| Noncurrent loans to loans | 0.1281% | 4,009 |
| Net loans and leases to total assets | 77.7819% | 1,116 |
| Net loans and leases to deposits | 100.9489% | 530 |
| Net loans and leases to core deposits | 103.6159% | 1,257 |
| Total domestic deposits to total assets | 77.0508% | 4,483 |
| Equity capital to assets | 10.3928% | 3,549 |
| Core capital (leverage) ratio | 9.0076% | 4,528 |
| Tier 1 risk-based capital ratio | 10.9941% | 4,863 |
| Total risk-based capital ratio | 12.1304% | 4,806 |
| Memoranda: | ||
| Average total assets | $588,624,200 | 1,236 |
| Average earning assets | $533,000,600 | 1,266 |
| Average equity | $59,840,400 | 1,377 |
| Average total loans | $449,623,400 | 1,160 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 1,747 |
| Cost of funding earning assets | 1.4441% | 492 |
| Net interest margin | 3.4811% | 3,630 |
| Noninterest income to average assets | 0.5919% | 2,250 |
| Noninterest expense to average assets | 2.1829% | 4,212 |
| Loan and lease loss provision to assets | 0.1460% | 1,307 |
| Net operating income to assets | 1.3871% | 1,506 |
| Return on assets (ROA) | 1.4021% | 1,522 |
| Pretax return on assets | 1.4357% | 2,173 |
| Return on Equity (ROE) | 13.8724% | 1,007 |
| Retained earnings to average equity (ytd only) | 4.1563% | 3,330 |
| Net charge-offs to loans | 0.0437% | 2,218 |
| Credit loss provision to net charge-offs | 440.6897% | 703 |
| Earnings coverage of net charge-offs (x) | 47.2893% | 1,238 |
| Efficiency ratio | 58.0455% | 3,930 |
| Assets per employee ($millions) | 5.8235% | 1,738 |
| Cash dividends to net income (ytd only)* | 70.0391% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,552 |
| Loan loss allowance to noncurrent loans | 315.5620% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 3,385 |
| Noncurrent loans to loans | 0.3772% | 3,206 |
| Net loans and leases to total assets | 76.5122% | 1,391 |
| Net loans and leases to deposits | 98.3425% | 785 |
| Net loans and leases to core deposits | 103.9154% | 1,331 |
| Total domestic deposits to total assets | 77.8018% | 4,383 |
| Equity capital to assets | 9.9016% | 4,114 |
| Core capital (leverage) ratio | 8.4762% | 4,957 |
| Tier 1 risk-based capital ratio | 10.6483% | 5,040 |
| Total risk-based capital ratio | 11.8307% | 4,980 |
| Memoranda: | ||
| Average total assets | $583,681,500 | 1,251 |
| Average earning assets | $529,403,750 | 1,277 |
| Average equity | $58,993,250 | 1,390 |
| Average total loans | $442,358,750 | 1,182 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 2,004 |
| Cost of funding earning assets | 1.4157% | 506 |
| Net interest margin | 3.4026% | 3,887 |
| Noninterest income to average assets | 0.6004% | 2,152 |
| Noninterest expense to average assets | 2.1739% | 4,286 |
| Loan and lease loss provision to assets | 0.1479% | 1,246 |
| Net operating income to assets | 1.3346% | 1,634 |
| Return on assets (ROA) | 1.3570% | 1,617 |
| Pretax return on assets | 1.3918% | 2,232 |
| Return on Equity (ROE) | 13.3339% | 1,146 |
| Retained earnings to average equity (ytd only) | 3.1734% | 3,637 |
| Net charge-offs to loans | 0.0261% | 2,333 |
| Credit loss provision to net charge-offs | 752.6316% | 436 |
| Earnings coverage of net charge-offs (x) | 77.1930% | 838 |
| Efficiency ratio | 58.7093% | 3,905 |
| Assets per employee ($millions) | 5.8154% | 1,680 |
| Cash dividends to net income (ytd only)* | 76.2002% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,487 |
| Loan loss allowance to noncurrent loans | 255.1478% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,120 |
| Noncurrent loans to loans | 0.4733% | 2,860 |
| Net loans and leases to total assets | 73.8330% | 1,917 |
| Net loans and leases to deposits | 94.6484% | 1,187 |
| Net loans and leases to core deposits | 99.7685% | 1,746 |
| Total domestic deposits to total assets | 78.0077% | 4,394 |
| Equity capital to assets | 9.9257% | 4,033 |
| Core capital (leverage) ratio | 8.2447% | 5,087 |
| Tier 1 risk-based capital ratio | 10.7350% | 5,023 |
| Total risk-based capital ratio | 11.9226% | 4,958 |
| Memoranda: | ||
| Average total assets | $580,244,000 | 1,257 |
| Average earning assets | $526,949,330 | 1,280 |
| Average equity | $59,052,670 | 1,391 |
| Average total loans | $436,494,000 | 1,191 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 2,181 |
| Cost of funding earning assets | 1.3449% | 564 |
| Net interest margin | 3.3688% | 3,981 |
| Noninterest income to average assets | 0.4266% | 2,999 |
| Noninterest expense to average assets | 2.2315% | 4,182 |
| Loan and lease loss provision to assets | 0.1471% | 1,151 |
| Net operating income to assets | 1.0610% | 2,616 |
| Return on assets (ROA) | 1.0610% | 2,665 |
| Pretax return on assets | 1.0987% | 3,155 |
| Return on Equity (ROE) | 10.2940% | 2,242 |
| Retained earnings to average equity (ytd only) | 0.1488% | 4,494 |
| Net charge-offs to loans | 0.0175% | 2,119 |
| Credit loss provision to net charge-offs | 1,110.5263% | 341 |
| Earnings coverage of net charge-offs (x) | 94.0526% | 695 |
| Efficiency ratio | 63.8132% | 3,268 |
| Assets per employee ($millions) | 5.8388% | 1,673 |
| Cash dividends to net income (ytd only)* | 98.5545% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,586 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,605 |
| Noncurrent loans to loans | 0.3425% | 3,351 |
| Net loans and leases to total assets | 73.0291% | 1,974 |
| Net loans and leases to deposits | 93.7506% | 1,199 |
| Net loans and leases to core deposits | 98.9180% | 1,714 |
| Total domestic deposits to total assets | 77.8972% | 4,533 |
| Equity capital to assets | 10.1276% | 3,695 |
| Core capital (leverage) ratio | 8.4693% | 5,027 |
| Tier 1 risk-based capital ratio | 10.9921% | 4,978 |
| Total risk-based capital ratio | 12.1900% | 4,907 |
| Memoranda: | ||
| Average total assets | $573,781,000 | 1,276 |
| Average earning assets | $519,585,000 | 1,298 |
| Average equity | $59,141,000 | 1,388 |
| Average total loans | $433,087,000 | 1,204 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 2,082 |
| Cost of funding earning assets | 0.9908% | 790 |
| Net interest margin | 3.6288% | 3,283 |
| Noninterest income to average assets | 0.3950% | 3,471 |
| Noninterest expense to average assets | 2.3818% | 3,932 |
| Loan and lease loss provision to assets | 0.1203% | 1,839 |
| Net operating income to assets | 1.1738% | 2,293 |
| Return on assets (ROA) | 1.1733% | 2,288 |
| Pretax return on assets | 1.2068% | 2,854 |
| Return on Equity (ROE) | 10.8639% | 2,143 |
| Retained earnings to average equity (ytd only) | 3.0534% | 3,869 |
| Net charge-offs to loans | 0.0442% | 2,540 |
| Credit loss provision to net charge-offs | 360.6742% | 885 |
| Earnings coverage of net charge-offs (x) | 39.8090% | 1,313 |
| Efficiency ratio | 63.4963% | 3,264 |
| Assets per employee ($millions) | 5.4200% | 2,038 |
| Cash dividends to net income (ytd only)* | 71.8940% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,848 |
| Loan loss allowance to noncurrent loans | 399.1186% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 3,719 |
| Noncurrent loans to loans | 0.2872% | 3,534 |
| Net loans and leases to total assets | 76.2163% | 1,576 |
| Net loans and leases to deposits | 98.9579% | 824 |
| Net loans and leases to core deposits | 104.6629% | 1,363 |
| Total domestic deposits to total assets | 77.0189% | 4,630 |
| Equity capital to assets | 10.4933% | 3,199 |
| Core capital (leverage) ratio | 8.8206% | 4,795 |
| Tier 1 risk-based capital ratio | 11.1479% | 4,893 |
| Total risk-based capital ratio | 12.3186% | 4,836 |
| Memoranda: | ||
| Average total assets | $533,722,400 | 1,324 |
| Average earning assets | $487,491,400 | 1,342 |
| Average equity | $57,640,400 | 1,370 |
| Average total loans | $402,429,200 | 1,254 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 2,139 |
| Cost of funding earning assets | 0.9284% | 808 |
| Net interest margin | 3.6179% | 3,308 |
| Noninterest income to average assets | 0.3823% | 3,589 |
| Noninterest expense to average assets | 2.4172% | 3,817 |
| Loan and lease loss provision to assets | 0.1117% | 1,812 |
| Net operating income to assets | 1.1397% | 2,491 |
| Return on assets (ROA) | 1.1397% | 2,503 |
| Pretax return on assets | 1.1742% | 3,100 |
| Return on Equity (ROE) | 10.5646% | 2,365 |
| Retained earnings to average equity (ytd only) | -0.3266% | 5,078 |
| Net charge-offs to loans | 0.0063% | 3,212 |
| Credit loss provision to net charge-offs | 2,377.7778% | 176 |
| Earnings coverage of net charge-offs (x) | 273.7154% | 339 |
| Efficiency ratio | 64.6980% | 3,071 |
| Assets per employee ($millions) | 5.3237% | 2,098 |
| Cash dividends to net income (ytd only)* | 103.0914% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,742 |
| Loan loss allowance to noncurrent loans | 339.9586% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,618 |
| Noncurrent loans to loans | 0.3472% | 3,405 |
| Net loans and leases to total assets | 75.9580% | 1,666 |
| Net loans and leases to deposits | 99.0369% | 855 |
| Net loans and leases to core deposits | 104.9964% | 1,384 |
| Total domestic deposits to total assets | 76.6967% | 4,690 |
| Equity capital to assets | 10.2217% | 3,430 |
| Core capital (leverage) ratio | 8.3883% | 5,147 |
| Tier 1 risk-based capital ratio | 11.1229% | 4,981 |
| Total risk-based capital ratio | 12.3673% | 4,879 |
| Memoranda: | ||
| Average total assets | $510,879,250 | 1,380 |
| Average earning assets | $468,913,250 | 1,393 |
| Average equity | $55,113,750 | 1,420 |
| Average total loans | $382,693,250 | 1,303 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 2,288 |
| Cost of funding earning assets | 0.8331% | 994 |
| Net interest margin | 3.6070% | 3,281 |
| Noninterest income to average assets | 0.3663% | 3,707 |
| Noninterest expense to average assets | 2.4700% | 3,716 |
| Loan and lease loss provision to assets | 0.1016% | 1,915 |
| Net operating income to assets | 1.0604% | 2,751 |
| Return on assets (ROA) | 1.0604% | 2,754 |
| Pretax return on assets | 1.0944% | 3,339 |
| Return on Equity (ROE) | 9.6466% | 2,739 |
| Retained earnings to average equity (ytd only) | -3.0882% | 5,213 |
| Net charge-offs to loans | 0.0065% | 2,908 |
| Credit loss provision to net charge-offs | 2,116.6667% | 200 |
| Earnings coverage of net charge-offs (x) | 249.2500% | 360 |
| Efficiency ratio | 66.8303% | 2,848 |
| Assets per employee ($millions) | 4.5474% | 3,056 |
| Cash dividends to net income (ytd only)* | 132.0136% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,747 |
| Loan loss allowance to noncurrent loans | 225.9734% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 3,091 |
| Noncurrent loans to loans | 0.5292% | 2,832 |
| Net loans and leases to total assets | 76.5230% | 1,559 |
| Net loans and leases to deposits | 101.0259% | 732 |
| Net loans and leases to core deposits | 103.8385% | 1,410 |
| Total domestic deposits to total assets | 75.7459% | 4,880 |
| Equity capital to assets | 10.7220% | 2,909 |
| Core capital (leverage) ratio | 8.8276% | 4,863 |
| Tier 1 risk-based capital ratio | 11.2055% | 4,949 |
| Total risk-based capital ratio | 12.4374% | 4,856 |
| Memoranda: | ||
| Average total assets | $500,165,330 | 1,415 |
| Average earning assets | $457,552,670 | 1,428 |
| Average equity | $54,983,000 | 1,422 |
| Average total loans | $371,126,330 | 1,336 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 2,238 |
| Cost of funding earning assets | 0.7887% | 996 |
| Net interest margin | 3.5994% | 3,185 |
| Noninterest income to average assets | 0.3624% | 3,719 |
| Noninterest expense to average assets | 2.4812% | 3,709 |
| Loan and lease loss provision to assets | 0.1014% | 1,831 |
| Net operating income to assets | 1.0306% | 2,732 |
| Return on assets (ROA) | 1.0306% | 2,749 |
| Pretax return on assets | 1.0622% | 3,305 |
| Return on Equity (ROE) | 9.2560% | 2,787 |
| Retained earnings to average equity (ytd only) | -8.9574% | 5,338 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0756% | 2,820 |
| Assets per employee ($millions) | 4.5384% | 3,097 |
| Cash dividends to net income (ytd only)* | 196.7742% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,214 |
| Loan loss allowance to noncurrent loans | 255.0549% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 3,155 |
| Noncurrent loans to loans | 0.5126% | 2,981 |
| Net loans and leases to total assets | 68.9384% | 2,640 |
| Net loans and leases to deposits | 90.2052% | 1,666 |
| Net loans and leases to core deposits | 101.8939% | 1,540 |
| Total domestic deposits to total assets | 76.4240% | 4,926 |
| Equity capital to assets | 10.7288% | 2,844 |
| Core capital (leverage) ratio | 8.9890% | 4,687 |
| Tier 1 risk-based capital ratio | 12.5178% | 4,229 |
| Total risk-based capital ratio | 13.7690% | 4,130 |
| Memoranda: | ||
| Average total assets | $493,318,000 | 1,438 |
| Average earning assets | $449,858,500 | 1,461 |
| Average equity | $54,926,500 | 1,431 |
| Average total loans | $357,699,500 | 1,375 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 1,907 |
| Cost of funding earning assets | 0.7339% | 875 |
| Net interest margin | 3.7091% | 2,766 |
| Noninterest income to average assets | 0.4592% | 3,249 |
| Noninterest expense to average assets | 2.5386% | 3,643 |
| Loan and lease loss provision to assets | 0.1039% | 2,155 |
| Net operating income to assets | 1.1572% | 1,656 |
| Return on assets (ROA) | 1.1708% | 1,638 |
| Pretax return on assets | 1.2081% | 2,744 |
| Return on Equity (ROE) | 10.0507% | 1,860 |
| Retained earnings to average equity (ytd only) | 1.3087% | 4,499 |
| Net charge-offs to loans | 0.0295% | 3,209 |
| Credit loss provision to net charge-offs | 462.2642% | 678 |
| Earnings coverage of net charge-offs (x) | 57.7547% | 979 |
| Efficiency ratio | 66.0624% | 3,255 |
| Assets per employee ($millions) | 4.5126% | 3,159 |
| Cash dividends to net income (ytd only)* | 86.9794% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,448 |
| Loan loss allowance to noncurrent loans | 162.0739% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 2,384 |
| Noncurrent loans to loans | 0.7734% | 2,279 |
| Net loans and leases to total assets | 74.3882% | 1,858 |
| Net loans and leases to deposits | 97.8350% | 916 |
| Net loans and leases to core deposits | 109.2194% | 1,053 |
| Total domestic deposits to total assets | 76.0344% | 4,975 |
| Equity capital to assets | 11.5648% | 2,144 |
| Core capital (leverage) ratio | 9.4458% | 4,107 |
| Tier 1 risk-based capital ratio | 12.8488% | 4,005 |
| Total risk-based capital ratio | 14.0998% | 3,898 |
| Memoranda: | ||
| Average total assets | $471,647,000 | 1,474 |
| Average earning assets | $429,460,600 | 1,504 |
| Average equity | $54,941,600 | 1,406 |
| Average total loans | $358,785,000 | 1,353 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 1,992 |
| Cost of funding earning assets | 0.7081% | 928 |
| Net interest margin | 3.6790% | 2,827 |
| Noninterest income to average assets | 0.4570% | 3,296 |
| Noninterest expense to average assets | 2.5212% | 3,662 |
| Loan and lease loss provision to assets | 0.1123% | 1,909 |
| Net operating income to assets | 1.1419% | 1,908 |
| Return on assets (ROA) | 1.1600% | 1,888 |
| Pretax return on assets | 1.1969% | 2,920 |
| Return on Equity (ROE) | 9.9401% | 2,160 |
| Retained earnings to average equity (ytd only) | 2.6424% | 4,314 |
| Net charge-offs to loans | -0.0945% | 5,366 |
| Credit loss provision to net charge-offs | -155.9055% | 4,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0018% | 3,210 |
| Assets per employee ($millions) | 4.5113% | 3,114 |
| Cash dividends to net income (ytd only)* | 73.4166% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,381 |
| Loan loss allowance to noncurrent loans | 155.5953% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 2,367 |
| Noncurrent loans to loans | 0.8321% | 2,284 |
| Net loans and leases to total assets | 76.2577% | 1,545 |
| Net loans and leases to deposits | 100.5737% | 708 |
| Net loans and leases to core deposits | 110.0704% | 1,025 |
| Total domestic deposits to total assets | 75.8227% | 5,039 |
| Equity capital to assets | 11.6343% | 2,246 |
| Core capital (leverage) ratio | 9.6351% | 4,002 |
| Tier 1 risk-based capital ratio | 12.9925% | 4,013 |
| Total risk-based capital ratio | 14.2444% | 3,921 |
| Memoranda: | ||
| Average total assets | $469,974,000 | 1,493 |
| Average earning assets | $428,550,750 | 1,523 |
| Average equity | $54,847,250 | 1,426 |
| Average total loans | $358,395,000 | 1,362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 1,979 |
| Cost of funding earning assets | 0.6853% | 962 |
| Net interest margin | 3.6638% | 2,778 |
| Noninterest income to average assets | 0.4417% | 3,407 |
| Noninterest expense to average assets | 2.5418% | 3,609 |
| Loan and lease loss provision to assets | 0.1241% | 1,666 |
| Net operating income to assets | 1.0735% | 2,110 |
| Return on assets (ROA) | 1.1009% | 2,023 |
| Pretax return on assets | 1.1408% | 3,006 |
| Return on Equity (ROE) | 9.4239% | 2,306 |
| Retained earnings to average equity (ytd only) | 2.0922% | 4,415 |
| Net charge-offs to loans | -0.0045% | 4,316 |
| Credit loss provision to net charge-offs | -3,625.0000% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0556% | 3,176 |
| Assets per employee ($millions) | 4.2860% | 3,459 |
| Cash dividends to net income (ytd only)* | 77.7994% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,703 |
| Loan loss allowance to noncurrent loans | 334.9206% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 3,592 |
| Noncurrent loans to loans | 0.3725% | 3,692 |
| Net loans and leases to total assets | 75.0768% | 1,688 |
| Net loans and leases to deposits | 98.2014% | 877 |
| Net loans and leases to core deposits | 107.9147% | 1,110 |
| Total domestic deposits to total assets | 76.4519% | 5,033 |
| Equity capital to assets | 11.7710% | 2,099 |
| Core capital (leverage) ratio | 9.6228% | 3,996 |
| Tier 1 risk-based capital ratio | 13.2085% | 3,872 |
| Total risk-based capital ratio | 14.4596% | 3,774 |
| Memoranda: | ||
| Average total assets | $467,233,000 | 1,500 |
| Average earning assets | $425,519,000 | 1,534 |
| Average equity | $54,584,670 | 1,436 |
| Average total loans | $354,711,670 | 1,379 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 1,974 |
| Cost of funding earning assets | 0.6618% | 1,019 |
| Net interest margin | 3.6302% | 2,779 |
| Noninterest income to average assets | 0.3964% | 3,688 |
| Noninterest expense to average assets | 2.5014% | 3,798 |
| Loan and lease loss provision to assets | 0.1233% | 1,560 |
| Net operating income to assets | 1.0324% | 2,158 |
| Return on assets (ROA) | 1.0324% | 2,207 |
| Pretax return on assets | 1.0726% | 3,081 |
| Return on Equity (ROE) | 8.8707% | 2,475 |
| Retained earnings to average equity (ytd only) | 1.5152% | 4,494 |
| Net charge-offs to loans | -0.0068% | 4,279 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4462% | 3,283 |
| Assets per employee ($millions) | 4.2474% | 3,592 |
| Cash dividends to net income (ytd only)* | 82.9187% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,026 |
| Loan loss allowance to noncurrent loans | 468.5996% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,917 |
| Noncurrent loans to loans | 0.2599% | 4,183 |
| Net loans and leases to total assets | 74.3643% | 1,681 |
| Net loans and leases to deposits | 97.1597% | 834 |
| Net loans and leases to core deposits | 107.8845% | 984 |
| Total domestic deposits to total assets | 76.5383% | 5,171 |
| Equity capital to assets | 11.6982% | 2,036 |
| Core capital (leverage) ratio | 9.5499% | 4,054 |
| Tier 1 risk-based capital ratio | 13.1849% | 3,963 |
| Total risk-based capital ratio | 14.4353% | 3,881 |
| Memoranda: | ||
| Average total assets | $467,262,000 | 1,507 |
| Average earning assets | $424,878,500 | 1,546 |
| Average equity | $54,381,500 | 1,433 |
| Average total loans | $354,482,000 | 1,384 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 1,818 |
| Cost of funding earning assets | 0.6779% | 921 |
| Net interest margin | 3.7234% | 2,599 |
| Noninterest income to average assets | 0.4804% | 3,345 |
| Noninterest expense to average assets | 2.5157% | 3,961 |
| Loan and lease loss provision to assets | 0.1252% | 1,981 |
| Net operating income to assets | 1.1902% | 1,540 |
| Return on assets (ROA) | 1.1902% | 1,632 |
| Pretax return on assets | 1.2272% | 2,565 |
| Return on Equity (ROE) | 10.8441% | 1,641 |
| Retained earnings to average equity (ytd only) | 6.9217% | 1,261 |
| Net charge-offs to loans | 0.1243% | 2,011 |
| Credit loss provision to net charge-offs | 130.7865% | 2,056 |
| Earnings coverage of net charge-offs (x) | 14.1258% | 2,310 |
| Efficiency ratio | 64.7200% | 3,814 |
| Assets per employee ($millions) | 4.2872% | 3,453 |
| Cash dividends to net income (ytd only)* | 36.1714% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,392 |
| Loan loss allowance to noncurrent loans | 450.2179% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 3,894 |
| Noncurrent loans to loans | 0.2570% | 4,231 |
| Net loans and leases to total assets | 75.5617% | 1,590 |
| Net loans and leases to deposits | 98.6073% | 771 |
| Net loans and leases to core deposits | 111.5800% | 796 |
| Total domestic deposits to total assets | 76.6289% | 5,162 |
| Equity capital to assets | 11.5784% | 2,098 |
| Core capital (leverage) ratio | 9.4620% | 4,136 |
| Tier 1 risk-based capital ratio | 12.7550% | 4,231 |
| Total risk-based capital ratio | 13.9664% | 4,148 |
| Memoranda: | ||
| Average total assets | $464,806,400 | 1,464 |
| Average earning assets | $422,896,600 | 1,492 |
| Average equity | $51,013,800 | 1,493 |
| Average total loans | $357,990,200 | 1,313 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 1,929 |
| Cost of funding earning assets | 0.6717% | 942 |
| Net interest margin | 3.7034% | 2,707 |
| Noninterest income to average assets | 0.4162% | 3,810 |
| Noninterest expense to average assets | 2.5093% | 3,961 |
| Loan and lease loss provision to assets | 0.1255% | 1,858 |
| Net operating income to assets | 1.1237% | 1,901 |
| Return on assets (ROA) | 1.1237% | 2,013 |
| Pretax return on assets | 1.1596% | 3,002 |
| Return on Equity (ROE) | 10.3818% | 1,904 |
| Retained earnings to average equity (ytd only) | 5.0715% | 2,777 |
| Net charge-offs to loans | 0.1508% | 1,487 |
| Credit loss provision to net charge-offs | 107.9012% | 2,245 |
| Earnings coverage of net charge-offs (x) | 11.0468% | 2,533 |
| Efficiency ratio | 65.7608% | 3,633 |
| Assets per employee ($millions) | 4.3689% | 3,300 |
| Cash dividends to net income (ytd only)* | 51.1502% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,822 |
| Loan loss allowance to noncurrent loans | 423.5542% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 3,976 |
| Noncurrent loans to loans | 0.2602% | 4,332 |
| Net loans and leases to total assets | 76.6166% | 1,422 |
| Net loans and leases to deposits | 99.5914% | 731 |
| Net loans and leases to core deposits | 116.5385% | 636 |
| Total domestic deposits to total assets | 76.9309% | 5,104 |
| Equity capital to assets | 10.8503% | 3,203 |
| Core capital (leverage) ratio | 8.9788% | 4,851 |
| Tier 1 risk-based capital ratio | 12.0807% | 4,735 |
| Total risk-based capital ratio | 13.2423% | 4,695 |
| Memoranda: | ||
| Average total assets | $464,181,000 | 1,470 |
| Average earning assets | $423,416,250 | 1,489 |
| Average equity | $50,240,500 | 1,518 |
| Average total loans | $358,178,000 | 1,309 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,033 |
| Cost of funding earning assets | 0.6600% | 994 |
| Net interest margin | 3.6753% | 2,798 |
| Noninterest income to average assets | 0.3726% | 4,084 |
| Noninterest expense to average assets | 2.5033% | 4,016 |
| Loan and lease loss provision to assets | 0.1261% | 1,807 |
| Net operating income to assets | 1.0615% | 2,117 |
| Return on assets (ROA) | 1.0615% | 2,243 |
| Pretax return on assets | 1.0966% | 3,209 |
| Return on Equity (ROE) | 9.8153% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.8051% | 2,234 |
| Net charge-offs to loans | 0.2226% | 1,051 |
| Credit loss provision to net charge-offs | 73.4848% | 2,443 |
| Earnings coverage of net charge-offs (x) | 7.1263% | 2,667 |
| Efficiency ratio | 66.7907% | 3,568 |
| Assets per employee ($millions) | 4.2998% | 3,370 |
| Cash dividends to net income (ytd only)* | 40.8571% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 4,030 |
| Loan loss allowance to noncurrent loans | 231.6071% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 3,428 |
| Noncurrent loans to loans | 0.4682% | 3,684 |
| Net loans and leases to total assets | 75.0494% | 1,637 |
| Net loans and leases to deposits | 97.3317% | 942 |
| Net loans and leases to core deposits | 112.7174% | 780 |
| Total domestic deposits to total assets | 77.1068% | 5,151 |
| Equity capital to assets | 10.6634% | 3,451 |
| Core capital (leverage) ratio | 8.9882% | 4,841 |
| Tier 1 risk-based capital ratio | 11.8505% | 4,941 |
| Total risk-based capital ratio | 12.9636% | 4,916 |
| Memoranda: | ||
| Average total assets | $461,628,670 | 1,488 |
| Average earning assets | $421,189,330 | 1,503 |
| Average equity | $49,922,000 | 1,525 |
| Average total loans | $355,726,000 | 1,315 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 1,985 |
| Cost of funding earning assets | 0.6364% | 1,120 |
| Net interest margin | 3.7066% | 2,646 |
| Noninterest income to average assets | 0.2369% | 5,047 |
| Noninterest expense to average assets | 2.5441% | 3,929 |
| Loan and lease loss provision to assets | 0.1290% | 1,645 |
| Net operating income to assets | 0.9062% | 2,722 |
| Return on assets (ROA) | 0.9062% | 2,846 |
| Pretax return on assets | 0.9413% | 3,687 |
| Return on Equity (ROE) | 8.3197% | 2,752 |
| Retained earnings to average equity (ytd only) | 0.2577% | 5,049 |
| Net charge-offs to loans | 0.1265% | 1,342 |
| Credit loss provision to net charge-offs | 131.2500% | 1,360 |
| Earnings coverage of net charge-offs (x) | 10.8929% | 1,898 |
| Efficiency ratio | 69.9515% | 3,140 |
| Assets per employee ($millions) | 4.3344% | 3,355 |
| Cash dividends to net income (ytd only)* | 96.9022% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,825 |
| Loan loss allowance to noncurrent loans | 309.2025% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 3,549 |
| Noncurrent loans to loans | 0.3690% | 4,111 |
| Net loans and leases to total assets | 75.3168% | 1,501 |
| Net loans and leases to deposits | 95.0090% | 1,044 |
| Net loans and leases to core deposits | 112.3834% | 735 |
| Total domestic deposits to total assets | 79.2734% | 4,907 |
| Equity capital to assets | 10.6129% | 3,355 |
| Core capital (leverage) ratio | 9.1497% | 4,655 |
| Tier 1 risk-based capital ratio | 11.3789% | 5,290 |
| Total risk-based capital ratio | 12.5261% | 5,260 |
| Memoranda: | ||
| Average total assets | $455,956,000 | 1,503 |
| Average earning assets | $415,478,000 | 1,524 |
| Average equity | $49,665,500 | 1,536 |
| Average total loans | $354,161,500 | 1,314 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 1,883 |
| Cost of funding earning assets | 0.6632% | 1,001 |
| Net interest margin | 3.7420% | 2,594 |
| Noninterest income to average assets | 0.6430% | 2,498 |
| Noninterest expense to average assets | 2.6247% | 3,838 |
| Loan and lease loss provision to assets | 0.1380% | 1,715 |
| Net operating income to assets | 1.2563% | 1,373 |
| Return on assets (ROA) | 1.2563% | 1,423 |
| Pretax return on assets | 1.2905% | 2,323 |
| Return on Equity (ROE) | 11.1284% | 1,572 |
| Retained earnings to average equity (ytd only) | 5.0244% | 2,399 |
| Net charge-offs to loans | 0.0695% | 2,852 |
| Credit loss provision to net charge-offs | 253.5865% | 1,138 |
| Earnings coverage of net charge-offs (x) | 26.2574% | 1,593 |
| Efficiency ratio | 64.3484% | 4,192 |
| Assets per employee ($millions) | 4.3507% | 3,304 |
| Cash dividends to net income (ytd only)* | 54.8511% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,894 |
| Loan loss allowance to noncurrent loans | 197.0414% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 3,095 |
| Noncurrent loans to loans | 0.5713% | 3,461 |
| Net loans and leases to total assets | 78.3231% | 1,077 |
| Net loans and leases to deposits | 99.5310% | 709 |
| Net loans and leases to core deposits | 113.8637% | 686 |
| Total domestic deposits to total assets | 78.6922% | 5,035 |
| Equity capital to assets | 11.1821% | 2,648 |
| Core capital (leverage) ratio | 9.0844% | 4,772 |
| Tier 1 risk-based capital ratio | 11.5008% | 5,255 |
| Total risk-based capital ratio | 12.6506% | 5,212 |
| Memoranda: | ||
| Average total assets | $435,632,400 | 1,527 |
| Average earning assets | $397,008,000 | 1,542 |
| Average equity | $49,180,400 | 1,519 |
| Average total loans | $340,974,800 | 1,315 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 1,939 |
| Cost of funding earning assets | 0.6511% | 1,085 |
| Net interest margin | 3.7420% | 2,605 |
| Noninterest income to average assets | 0.6168% | 2,652 |
| Noninterest expense to average assets | 2.6647% | 3,678 |
| Loan and lease loss provision to assets | 0.1409% | 1,575 |
| Net operating income to assets | 1.1924% | 1,679 |
| Return on assets (ROA) | 1.1924% | 1,745 |
| Pretax return on assets | 1.2254% | 2,710 |
| Return on Equity (ROE) | 10.5361% | 1,889 |
| Retained earnings to average equity (ytd only) | 5.0855% | 2,853 |
| Net charge-offs to loans | 0.0111% | 3,789 |
| Credit loss provision to net charge-offs | 1,632.1429% | 222 |
| Earnings coverage of net charge-offs (x) | 158.2960% | 440 |
| Efficiency ratio | 65.6929% | 3,949 |
| Assets per employee ($millions) | 4.0560% | 3,791 |
| Cash dividends to net income (ytd only)* | 51.7321% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,872 |
| Loan loss allowance to noncurrent loans | 205.4122% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 3,273 |
| Noncurrent loans to loans | 0.5648% | 3,649 |
| Net loans and leases to total assets | 78.2626% | 1,061 |
| Net loans and leases to deposits | 99.8188% | 672 |
| Net loans and leases to core deposits | 111.8077% | 774 |
| Total domestic deposits to total assets | 78.4046% | 5,111 |
| Equity capital to assets | 11.1303% | 2,877 |
| Core capital (leverage) ratio | 9.1814% | 4,752 |
| Tier 1 risk-based capital ratio | 11.5433% | 5,350 |
| Total risk-based capital ratio | 12.7344% | 5,304 |
| Memoranda: | ||
| Average total assets | $432,509,000 | 1,549 |
| Average earning assets | $394,609,750 | 1,562 |
| Average equity | $48,948,000 | 1,534 |
| Average total loans | $337,473,000 | 1,329 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,931 |
| Cost of funding earning assets | 0.6497% | 1,108 |
| Net interest margin | 3.7264% | 2,597 |
| Noninterest income to average assets | 0.7621% | 1,938 |
| Noninterest expense to average assets | 2.6456% | 3,753 |
| Loan and lease loss provision to assets | 0.1449% | 1,485 |
| Net operating income to assets | 1.3366% | 1,225 |
| Return on assets (ROA) | 1.3366% | 1,270 |
| Pretax return on assets | 1.3729% | 2,093 |
| Return on Equity (ROE) | 11.7434% | 1,457 |
| Retained earnings to average equity (ytd only) | 7.6461% | 1,410 |
| Net charge-offs to loans | 0.0204% | 3,275 |
| Credit loss provision to net charge-offs | 914.7059% | 391 |
| Earnings coverage of net charge-offs (x) | 95.8235% | 615 |
| Efficiency ratio | 63.1420% | 4,492 |
| Assets per employee ($millions) | 3.8979% | 4,080 |
| Cash dividends to net income (ytd only)* | 34.8902% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 4,069 |
| Loan loss allowance to noncurrent loans | 191.7116% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 3,270 |
| Noncurrent loans to loans | 0.6009% | 3,666 |
| Net loans and leases to total assets | 77.5294% | 1,134 |
| Net loans and leases to deposits | 98.0100% | 790 |
| Net loans and leases to core deposits | 108.5949% | 916 |
| Total domestic deposits to total assets | 79.1036% | 5,078 |
| Equity capital to assets | 11.5984% | 2,332 |
| Core capital (leverage) ratio | 9.3392% | 4,501 |
| Tier 1 risk-based capital ratio | 11.7111% | 5,333 |
| Total risk-based capital ratio | 12.8744% | 5,303 |
| Memoranda: | ||
| Average total assets | $429,312,330 | 1,569 |
| Average earning assets | $391,851,670 | 1,577 |
| Average equity | $48,861,670 | 1,536 |
| Average total loans | $333,277,670 | 1,350 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,017 |
| Cost of funding earning assets | 0.6560% | 1,075 |
| Net interest margin | 3.6688% | 2,738 |
| Noninterest income to average assets | 0.7268% | 2,038 |
| Noninterest expense to average assets | 2.6724% | 3,689 |
| Loan and lease loss provision to assets | 0.1450% | 1,406 |
| Net operating income to assets | 1.2160% | 1,503 |
| Return on assets (ROA) | 1.2160% | 1,596 |
| Pretax return on assets | 1.2525% | 2,455 |
| Return on Equity (ROE) | 10.7880% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.7880% | 754 |
| Net charge-offs to loans | 0.0533% | 2,243 |
| Credit loss provision to net charge-offs | 352.2727% | 726 |
| Earnings coverage of net charge-offs (x) | 33.9545% | 1,071 |
| Efficiency ratio | 65.2494% | 4,278 |
| Assets per employee ($millions) | 3.9550% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 4,320 |
| Loan loss allowance to noncurrent loans | 220.1765% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 3,566 |
| Noncurrent loans to loans | 0.5179% | 4,025 |
| Net loans and leases to total assets | 75.2721% | 1,316 |
| Net loans and leases to deposits | 95.0785% | 896 |
| Net loans and leases to core deposits | 103.5967% | 1,090 |
| Total domestic deposits to total assets | 79.1684% | 5,240 |
| Equity capital to assets | 11.3347% | 2,613 |
| Core capital (leverage) ratio | 9.2666% | 4,632 |
| Tier 1 risk-based capital ratio | 12.2190% | 5,096 |
| Total risk-based capital ratio | 13.3987% | 5,058 |
| Memoranda: | ||
| Average total assets | $427,636,500 | 1,582 |
| Average earning assets | $389,663,500 | 1,593 |
| Average equity | $48,201,500 | 1,559 |
| Average total loans | $330,241,000 | 1,359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,976 |
| Cost of funding earning assets | 0.6893% | 1,157 |
| Net interest margin | 3.7846% | 2,678 |
| Noninterest income to average assets | 0.6699% | 2,450 |
| Noninterest expense to average assets | 2.7562% | 3,652 |
| Loan and lease loss provision to assets | 0.1533% | 1,714 |
| Net operating income to assets | 1.1483% | 1,777 |
| Return on assets (ROA) | 1.1483% | 1,845 |
| Pretax return on assets | 1.1863% | 2,712 |
| Return on Equity (ROE) | 10.1097% | 2,069 |
| Retained earnings to average equity (ytd only) | 2.0710% | 4,746 |
| Net charge-offs to loans | 0.2193% | 1,912 |
| Credit loss provision to net charge-offs | 90.8832% | 2,635 |
| Earnings coverage of net charge-offs (x) | 7.9416% | 2,953 |
| Efficiency ratio | 66.8896% | 4,078 |
| Assets per employee ($millions) | 3.8915% | 4,186 |
| Cash dividends to net income (ytd only)* | 79.5145% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 4,567 |
| Loan loss allowance to noncurrent loans | 204.6197% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 3,420 |
| Noncurrent loans to loans | 0.5343% | 4,062 |
| Net loans and leases to total assets | 77.4705% | 1,072 |
| Net loans and leases to deposits | 97.8664% | 772 |
| Net loans and leases to core deposits | 105.4095% | 1,052 |
| Total domestic deposits to total assets | 79.1594% | 5,218 |
| Equity capital to assets | 11.2075% | 2,686 |
| Core capital (leverage) ratio | 8.9108% | 5,106 |
| Tier 1 risk-based capital ratio | 11.6422% | 5,583 |
| Total risk-based capital ratio | 12.7782% | 5,563 |
| Memoranda: | ||
| Average total assets | $416,182,200 | 1,589 |
| Average earning assets | $376,736,600 | 1,605 |
| Average equity | $47,271,200 | 1,525 |
| Average total loans | $320,079,600 | 1,356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,102 |
| Cost of funding earning assets | 0.6836% | 1,235 |
| Net interest margin | 3.7499% | 2,814 |
| Noninterest income to average assets | 0.7114% | 2,273 |
| Noninterest expense to average assets | 2.7623% | 3,599 |
| Loan and lease loss provision to assets | 0.1449% | 1,727 |
| Net operating income to assets | 1.1605% | 1,822 |
| Return on assets (ROA) | 1.1605% | 1,887 |
| Pretax return on assets | 1.1981% | 2,782 |
| Return on Equity (ROE) | 10.1825% | 2,127 |
| Retained earnings to average equity (ytd only) | 3.1352% | 4,391 |
| Net charge-offs to loans | 0.2363% | 1,635 |
| Credit loss provision to net charge-offs | 80.0712% | 2,588 |
| Earnings coverage of net charge-offs (x) | 7.4235% | 2,928 |
| Efficiency ratio | 66.8862% | 4,064 |
| Assets per employee ($millions) | 3.9737% | 3,944 |
| Cash dividends to net income (ytd only)* | 69.2093% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 4,755 |
| Loan loss allowance to noncurrent loans | 141.0468% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 3,516 |
| Noncurrent loans to loans | 0.7790% | 3,633 |
| Net loans and leases to total assets | 76.5896% | 1,152 |
| Net loans and leases to deposits | 98.6490% | 690 |
| Net loans and leases to core deposits | 105.0393% | 1,026 |
| Total domestic deposits to total assets | 77.6385% | 5,588 |
| Equity capital to assets | 11.4012% | 2,582 |
| Core capital (leverage) ratio | 9.2609% | 4,692 |
| Tier 1 risk-based capital ratio | 11.9030% | 5,551 |
| Total risk-based capital ratio | 13.0461% | 5,533 |
| Memoranda: | ||
| Average total assets | $414,184,500 | 1,607 |
| Average earning assets | $374,859,000 | 1,624 |
| Average equity | $47,204,250 | 1,531 |
| Average total loans | $317,039,250 | 1,382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,248 |
| Cost of funding earning assets | 0.6713% | 1,370 |
| Net interest margin | 3.7113% | 2,914 |
| Noninterest income to average assets | 0.8042% | 1,823 |
| Noninterest expense to average assets | 2.8190% | 3,432 |
| Loan and lease loss provision to assets | 0.1399% | 1,772 |
| Net operating income to assets | 1.1713% | 1,683 |
| Return on assets (ROA) | 1.1713% | 1,749 |
| Pretax return on assets | 1.2092% | 2,634 |
| Return on Equity (ROE) | 10.2788% | 2,022 |
| Retained earnings to average equity (ytd only) | 1.7771% | 5,007 |
| Net charge-offs to loans | 0.1905% | 1,885 |
| Credit loss provision to net charge-offs | 96.3211% | 2,077 |
| Earnings coverage of net charge-offs (x) | 9.2910% | 2,379 |
| Efficiency ratio | 65.6064% | 4,421 |
| Assets per employee ($millions) | 3.5954% | 4,670 |
| Cash dividends to net income (ytd only)* | 82.7114% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 4,562 |
| Loan loss allowance to noncurrent loans | 120.8990% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 3,253 |
| Noncurrent loans to loans | 0.9683% | 3,304 |
| Net loans and leases to total assets | 74.5935% | 1,362 |
| Net loans and leases to deposits | 93.1106% | 1,040 |
| Net loans and leases to core deposits | 100.6213% | 1,232 |
| Total domestic deposits to total assets | 80.1128% | 5,208 |
| Equity capital to assets | 11.2993% | 2,614 |
| Core capital (leverage) ratio | 9.1482% | 4,821 |
| Tier 1 risk-based capital ratio | 11.5441% | 5,774 |
| Total risk-based capital ratio | 12.7049% | 5,779 |
| Memoranda: | ||
| Average total assets | $411,842,330 | 1,619 |
| Average earning assets | $373,295,000 | 1,628 |
| Average equity | $46,931,330 | 1,526 |
| Average total loans | $313,989,670 | 1,383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,374 |
| Cost of funding earning assets | 0.6796% | 1,362 |
| Net interest margin | 3.6582% | 3,029 |
| Noninterest income to average assets | 0.6950% | 2,199 |
| Noninterest expense to average assets | 2.7486% | 3,760 |
| Loan and lease loss provision to assets | 0.1329% | 1,823 |
| Net operating income to assets | 1.0898% | 1,853 |
| Return on assets (ROA) | 1.0898% | 1,918 |
| Pretax return on assets | 1.1280% | 2,777 |
| Return on Equity (ROE) | 9.5229% | 2,241 |
| Retained earnings to average equity (ytd only) | 0.9993% | 5,199 |
| Net charge-offs to loans | 0.0893% | 2,272 |
| Credit loss provision to net charge-offs | 194.2857% | 1,070 |
| Earnings coverage of net charge-offs (x) | 18.4286% | 1,417 |
| Efficiency ratio | 68.1863% | 4,150 |
| Assets per employee ($millions) | 3.8555% | 4,225 |
| Cash dividends to net income (ytd only)* | 89.5067% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,566 |
| Loan loss allowance to noncurrent loans | 63.8168% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.5776% | 2,235 |
| Noncurrent loans to loans | 1.9060% | 1,984 |
| Net loans and leases to total assets | 74.0592% | 1,256 |
| Net loans and leases to deposits | 89.7738% | 1,178 |
| Net loans and leases to core deposits | 95.6035% | 1,409 |
| Total domestic deposits to total assets | 82.4953% | 4,786 |
| Equity capital to assets | 11.3830% | 2,348 |
| Core capital (leverage) ratio | 9.0612% | 4,918 |
| Tier 1 risk-based capital ratio | 11.7009% | 5,812 |
| Total risk-based capital ratio | 12.9114% | 5,774 |
| Memoranda: | ||
| Average total assets | $409,232,500 | 1,638 |
| Average earning assets | $370,781,000 | 1,646 |
| Average equity | $46,834,500 | 1,530 |
| Average total loans | $313,591,500 | 1,386 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 2,156 |
| Cost of funding earning assets | 0.7615% | 1,429 |
| Net interest margin | 3.7523% | 2,838 |
| Noninterest income to average assets | 0.6664% | 2,725 |
| Noninterest expense to average assets | 2.7104% | 4,055 |
| Loan and lease loss provision to assets | 0.1918% | 1,927 |
| Net operating income to assets | 1.1213% | 1,861 |
| Return on assets (ROA) | 1.1316% | 1,893 |
| Pretax return on assets | 1.1697% | 2,691 |
| Return on Equity (ROE) | 9.7302% | 2,225 |
| Retained earnings to average equity (ytd only) | 1.6451% | 5,047 |
| Net charge-offs to loans | 0.1738% | 3,091 |
| Credit loss provision to net charge-offs | 145.4373% | 1,600 |
| Earnings coverage of net charge-offs (x) | 10.2433% | 2,399 |
| Efficiency ratio | 66.3539% | 4,498 |
| Assets per employee ($millions) | 3.6244% | 4,626 |
| Cash dividends to net income (ytd only)* | 83.0933% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 4,848 |
| Loan loss allowance to noncurrent loans | 66.8959% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 2,407 |
| Noncurrent loans to loans | 1.7380% | 2,315 |
| Net loans and leases to total assets | 77.4037% | 898 |
| Net loans and leases to deposits | 94.3865% | 849 |
| Net loans and leases to core deposits | 99.9103% | 1,166 |
| Total domestic deposits to total assets | 82.0072% | 4,873 |
| Equity capital to assets | 11.5069% | 2,161 |
| Core capital (leverage) ratio | 9.3632% | 4,451 |
| Tier 1 risk-based capital ratio | 11.2251% | 6,064 |
| Total risk-based capital ratio | 12.3698% | 6,064 |
| Memoranda: | ||
| Average total assets | $398,833,000 | 1,656 |
| Average earning assets | $360,845,000 | 1,670 |
| Average equity | $46,381,200 | 1,507 |
| Average total loans | $302,712,200 | 1,395 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 2,252 |
| Cost of funding earning assets | 0.7710% | 1,478 |
| Net interest margin | 3.7231% | 2,944 |
| Noninterest income to average assets | 0.7582% | 2,327 |
| Noninterest expense to average assets | 2.7878% | 3,703 |
| Loan and lease loss provision to assets | 0.1974% | 1,844 |
| Net operating income to assets | 1.1096% | 1,974 |
| Return on assets (ROA) | 1.1232% | 1,988 |
| Pretax return on assets | 1.1598% | 2,851 |
| Return on Equity (ROE) | 9.6328% | 2,335 |
| Retained earnings to average equity (ytd only) | 0.5615% | 5,746 |
| Net charge-offs to loans | 0.1561% | 2,988 |
| Credit loss provision to net charge-offs | 168.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | 11.4284% | 2,248 |
| Efficiency ratio | 67.1110% | 4,282 |
| Assets per employee ($millions) | 3.6484% | 4,561 |
| Cash dividends to net income (ytd only)* | 94.1705% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,914 |
| Loan loss allowance to noncurrent loans | 66.9263% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.6139% | 2,532 |
| Noncurrent loans to loans | 1.7762% | 2,533 |
| Net loans and leases to total assets | 77.2328% | 845 |
| Net loans and leases to deposits | 96.6682% | 645 |
| Net loans and leases to core deposits | 100.2811% | 1,095 |
| Total domestic deposits to total assets | 79.8947% | 5,535 |
| Equity capital to assets | 11.6004% | 2,221 |
| Core capital (leverage) ratio | 9.2752% | 4,721 |
| Tier 1 risk-based capital ratio | 11.2955% | 6,148 |
| Total risk-based capital ratio | 12.4647% | 6,150 |
| Memoranda: | ||
| Average total assets | $397,058,750 | 1,668 |
| Average earning assets | $359,694,250 | 1,677 |
| Average equity | $46,299,000 | 1,521 |
| Average total loans | $298,915,000 | 1,413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 2,437 |
| Cost of funding earning assets | 0.7844% | 1,500 |
| Net interest margin | 3.6516% | 3,173 |
| Noninterest income to average assets | 0.9117% | 1,778 |
| Noninterest expense to average assets | 2.7511% | 3,852 |
| Loan and lease loss provision to assets | 0.2076% | 1,821 |
| Net operating income to assets | 1.2222% | 1,534 |
| Return on assets (ROA) | 1.2428% | 1,569 |
| Pretax return on assets | 1.2796% | 2,370 |
| Return on Equity (ROE) | 10.6397% | 1,951 |
| Retained earnings to average equity (ytd only) | 1.5791% | 5,239 |
| Net charge-offs to loans | 0.2170% | 2,454 |
| Credit loss provision to net charge-offs | 128.7500% | 1,757 |
| Earnings coverage of net charge-offs (x) | 9.0906% | 2,327 |
| Efficiency ratio | 64.8781% | 4,725 |
| Assets per employee ($millions) | 3.5040% | 4,843 |
| Cash dividends to net income (ytd only)* | 85.1582% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 5,058 |
| Loan loss allowance to noncurrent loans | 67.9495% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5876% | 2,734 |
| Noncurrent loans to loans | 1.7464% | 2,703 |
| Net loans and leases to total assets | 75.9800% | 988 |
| Net loans and leases to deposits | 93.4294% | 848 |
| Net loans and leases to core deposits | 95.7984% | 1,376 |
| Total domestic deposits to total assets | 81.3235% | 5,253 |
| Equity capital to assets | 12.1169% | 1,840 |
| Core capital (leverage) ratio | 9.3357% | 4,484 |
| Tier 1 risk-based capital ratio | 11.8361% | 5,893 |
| Total risk-based capital ratio | 13.0069% | 5,907 |
| Memoranda: | ||
| Average total assets | $396,852,670 | 1,666 |
| Average earning assets | $359,238,000 | 1,687 |
| Average equity | $46,354,670 | 1,525 |
| Average total loans | $294,942,670 | 1,432 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 2,701 |
| Cost of funding earning assets | 0.7980% | 1,539 |
| Net interest margin | 3.5492% | 3,480 |
| Noninterest income to average assets | 0.7136% | 2,521 |
| Noninterest expense to average assets | 2.6846% | 4,128 |
| Loan and lease loss provision to assets | 0.2395% | 1,518 |
| Net operating income to assets | 0.9670% | 2,363 |
| Return on assets (ROA) | 0.9670% | 2,494 |
| Pretax return on assets | 1.0030% | 3,338 |
| Return on Equity (ROE) | 8.4320% | 2,754 |
| Retained earnings to average equity (ytd only) | -0.7048% | 5,914 |
| Net charge-offs to loans | 0.4316% | 1,373 |
| Credit loss provision to net charge-offs | 75.9494% | 2,214 |
| Earnings coverage of net charge-offs (x) | 3.9399% | 2,642 |
| Efficiency ratio | 67.9797% | 4,311 |
| Assets per employee ($millions) | 3.7131% | 4,526 |
| Cash dividends to net income (ytd only)* | 108.3591% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,316 |
| Loan loss allowance to noncurrent loans | 56.1628% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.7082% | 2,730 |
| Noncurrent loans to loans | 2.0855% | 2,521 |
| Net loans and leases to total assets | 71.1384% | 1,497 |
| Net loans and leases to deposits | 86.6590% | 1,278 |
| Net loans and leases to core deposits | 88.5723% | 1,849 |
| Total domestic deposits to total assets | 82.0900% | 5,163 |
| Equity capital to assets | 11.4638% | 2,444 |
| Core capital (leverage) ratio | 9.1263% | 4,678 |
| Tier 1 risk-based capital ratio | 12.0965% | 5,855 |
| Total risk-based capital ratio | 13.2506% | 5,874 |
| Memoranda: | ||
| Average total assets | $400,807,500 | 1,668 |
| Average earning assets | $362,896,000 | 1,684 |
| Average equity | $45,968,000 | 1,557 |
| Average total loans | $292,880,000 | 1,445 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 2,121 |
| Cost of funding earning assets | 0.9151% | 1,845 |
| Net interest margin | 3.9045% | 2,805 |
| Noninterest income to average assets | 0.4567% | 4,206 |
| Noninterest expense to average assets | 2.7231% | 4,313 |
| Loan and lease loss provision to assets | 0.1748% | 3,432 |
| Net operating income to assets | 1.0397% | 2,168 |
| Return on assets (ROA) | 1.1044% | 2,102 |
| Pretax return on assets | 1.1414% | 3,013 |
| Return on Equity (ROE) | 9.0846% | 2,602 |
| Retained earnings to average equity (ytd only) | 1.4706% | 5,132 |
| Net charge-offs to loans | 0.1854% | 3,899 |
| Credit loss provision to net charge-offs | 129.3542% | 2,173 |
| Earnings coverage of net charge-offs (x) | 9.2466% | 2,283 |
| Efficiency ratio | 68.0269% | 4,140 |
| Assets per employee ($millions) | 3.6419% | 4,686 |
| Cash dividends to net income (ytd only)* | 83.8123% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,292 |
| Loan loss allowance to noncurrent loans | 67.9843% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 3,149 |
| Noncurrent loans to loans | 1.7115% | 3,045 |
| Net loans and leases to total assets | 73.3016% | 1,287 |
| Net loans and leases to deposits | 93.6420% | 773 |
| Net loans and leases to core deposits | 95.8222% | 1,317 |
| Total domestic deposits to total assets | 78.2786% | 6,032 |
| Equity capital to assets | 11.4739% | 2,472 |
| Core capital (leverage) ratio | 9.4872% | 4,127 |
| Tier 1 risk-based capital ratio | 12.0747% | 5,744 |
| Total risk-based capital ratio | 13.2500% | 5,742 |
| Memoranda: | ||
| Average total assets | $378,131,000 | 1,724 |
| Average earning assets | $340,504,200 | 1,747 |
| Average equity | $45,967,800 | 1,514 |
| Average total loans | $275,638,600 | 1,510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,161 |
| Cost of funding earning assets | 0.9408% | 1,910 |
| Net interest margin | 3.9176% | 2,848 |
| Noninterest income to average assets | 0.4832% | 4,038 |
| Noninterest expense to average assets | 2.8165% | 3,930 |
| Loan and lease loss provision to assets | 0.1829% | 3,305 |
| Net operating income to assets | 0.9845% | 2,588 |
| Return on assets (ROA) | 1.0720% | 2,408 |
| Pretax return on assets | 1.1063% | 3,330 |
| Return on Equity (ROE) | 8.6869% | 2,955 |
| Retained earnings to average equity (ytd only) | 1.7258% | 5,467 |
| Net charge-offs to loans | 0.1889% | 3,607 |
| Credit loss provision to net charge-offs | 133.4204% | 2,162 |
| Earnings coverage of net charge-offs (x) | 8.7468% | 2,402 |
| Efficiency ratio | 69.5873% | 3,770 |
| Assets per employee ($millions) | 3.4578% | 5,071 |
| Cash dividends to net income (ytd only)* | 80.1336% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,123 |
| Loan loss allowance to noncurrent loans | 58.6107% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.8341% | 2,879 |
| Noncurrent loans to loans | 2.1063% | 2,721 |
| Net loans and leases to total assets | 72.2318% | 1,514 |
| Net loans and leases to deposits | 89.4256% | 1,210 |
| Net loans and leases to core deposits | 91.7015% | 1,810 |
| Total domestic deposits to total assets | 80.7731% | 5,429 |
| Equity capital to assets | 12.0796% | 2,191 |
| Core capital (leverage) ratio | 9.7727% | 3,839 |
| Tier 1 risk-based capital ratio | 12.8198% | 5,395 |
| Total risk-based capital ratio | 14.0562% | 5,366 |
| Memoranda: | ||
| Average total assets | $372,512,500 | 1,770 |
| Average earning assets | $335,875,000 | 1,790 |
| Average equity | $45,968,500 | 1,526 |
| Average total loans | $270,271,500 | 1,550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 2,279 |
| Cost of funding earning assets | 0.9614% | 1,986 |
| Net interest margin | 3.8960% | 2,918 |
| Noninterest income to average assets | 0.4607% | 4,199 |
| Noninterest expense to average assets | 2.8694% | 3,746 |
| Loan and lease loss provision to assets | 0.1817% | 3,286 |
| Net operating income to assets | 0.8952% | 2,934 |
| Return on assets (ROA) | 0.9954% | 2,712 |
| Pretax return on assets | 1.0295% | 3,599 |
| Return on Equity (ROE) | 8.0085% | 3,257 |
| Retained earnings to average equity (ytd only) | 1.9184% | 5,241 |
| Net charge-offs to loans | 0.1853% | 3,472 |
| Credit loss provision to net charge-offs | 135.4839% | 2,033 |
| Earnings coverage of net charge-offs (x) | 8.2621% | 2,329 |
| Efficiency ratio | 71.5063% | 3,518 |
| Assets per employee ($millions) | 3.4934% | 5,000 |
| Cash dividends to net income (ytd only)* | 76.0456% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 5,161 |
| Loan loss allowance to noncurrent loans | 57.0972% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9206% | 2,882 |
| Noncurrent loans to loans | 2.1713% | 2,743 |
| Net loans and leases to total assets | 72.3530% | 1,504 |
| Net loans and leases to deposits | 90.4869% | 1,099 |
| Net loans and leases to core deposits | 92.7027% | 1,711 |
| Total domestic deposits to total assets | 79.9597% | 5,751 |
| Equity capital to assets | 12.2788% | 1,946 |
| Core capital (leverage) ratio | 9.7892% | 3,732 |
| Tier 1 risk-based capital ratio | 13.0111% | 5,181 |
| Total risk-based capital ratio | 14.2610% | 5,153 |
| Memoranda: | ||
| Average total assets | $369,899,000 | 1,782 |
| Average earning assets | $333,879,330 | 1,800 |
| Average equity | $45,976,330 | 1,518 |
| Average total loans | $267,638,670 | 1,555 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 2,495 |
| Cost of funding earning assets | 0.9938% | 2,017 |
| Net interest margin | 3.8437% | 3,166 |
| Noninterest income to average assets | 0.4881% | 3,993 |
| Noninterest expense to average assets | 2.8199% | 3,945 |
| Loan and lease loss provision to assets | 0.1805% | 3,168 |
| Net operating income to assets | 0.9142% | 2,852 |
| Return on assets (ROA) | 0.9142% | 3,069 |
| Pretax return on assets | 0.9479% | 3,871 |
| Return on Equity (ROE) | 7.3105% | 3,602 |
| Retained earnings to average equity (ytd only) | 1.2257% | 5,602 |
| Net charge-offs to loans | 0.1633% | 3,107 |
| Credit loss provision to net charge-offs | 153.7037% | 1,636 |
| Earnings coverage of net charge-offs (x) | 9.6111% | 1,826 |
| Efficiency ratio | 70.7874% | 3,659 |
| Assets per employee ($millions) | 3.7146% | 4,627 |
| Cash dividends to net income (ytd only)* | 83.2342% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 5,139 |
| Loan loss allowance to noncurrent loans | 54.2479% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 2,722 |
| Noncurrent loans to loans | 2.3478% | 2,749 |
| Net loans and leases to total assets | 69.5228% | 1,832 |
| Net loans and leases to deposits | 87.0846% | 1,277 |
| Net loans and leases to core deposits | 89.2858% | 1,921 |
| Total domestic deposits to total assets | 79.8336% | 5,888 |
| Equity capital to assets | 12.2920% | 1,857 |
| Core capital (leverage) ratio | 9.7722% | 3,681 |
| Tier 1 risk-based capital ratio | 13.3185% | 4,961 |
| Total risk-based capital ratio | 14.5674% | 4,955 |
| Memoranda: | ||
| Average total assets | $367,953,000 | 1,803 |
| Average earning assets | $331,241,500 | 1,823 |
| Average equity | $46,016,000 | 1,512 |
| Average total loans | $264,536,000 | 1,581 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 2,188 |
| Cost of funding earning assets | 1.2260% | 1,866 |
| Net interest margin | 3.9438% | 3,140 |
| Noninterest income to average assets | 0.4660% | 4,087 |
| Noninterest expense to average assets | 2.6499% | 4,921 |
| Loan and lease loss provision to assets | 0.4816% | 2,191 |
| Net operating income to assets | 0.8517% | 2,814 |
| Return on assets (ROA) | 0.8801% | 2,826 |
| Pretax return on assets | 0.9118% | 3,569 |
| Return on Equity (ROE) | 7.8521% | 2,984 |
| Retained earnings to average equity (ytd only) | 0.8933% | 5,442 |
| Net charge-offs to loans | 0.3408% | 3,696 |
| Credit loss provision to net charge-offs | 198.3645% | 1,276 |
| Earnings coverage of net charge-offs (x) | 5.6192% | 2,736 |
| Efficiency ratio | 65.3501% | 4,894 |
| Assets per employee ($millions) | 3.6073% | 4,755 |
| Cash dividends to net income (ytd only)* | 88.6239% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,180 |
| Loan loss allowance to noncurrent loans | 53.7636% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.2599% | 2,662 |
| Noncurrent loans to loans | 2.3223% | 2,837 |
| Net loans and leases to total assets | 72.5105% | 1,557 |
| Net loans and leases to deposits | 92.7683% | 903 |
| Net loans and leases to core deposits | 94.7449% | 1,620 |
| Total domestic deposits to total assets | 78.1630% | 6,161 |
| Equity capital to assets | 12.7285% | 1,637 |
| Core capital (leverage) ratio | 10.0642% | 3,264 |
| Tier 1 risk-based capital ratio | 13.2847% | 4,848 |
| Total risk-based capital ratio | 14.5348% | 4,831 |
| Memoranda: | ||
| Average total assets | $352,583,000 | 1,836 |
| Average earning assets | $317,204,000 | 1,855 |
| Average equity | $39,518,200 | 1,711 |
| Average total loans | $251,170,200 | 1,667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 2,281 |
| Cost of funding earning assets | 1.2669% | 1,887 |
| Net interest margin | 3.9131% | 3,317 |
| Noninterest income to average assets | 0.4389% | 4,372 |
| Noninterest expense to average assets | 2.6750% | 4,821 |
| Loan and lease loss provision to assets | 0.5846% | 1,683 |
| Net operating income to assets | 0.6706% | 3,768 |
| Return on assets (ROA) | 0.7078% | 3,739 |
| Pretax return on assets | 0.7428% | 4,340 |
| Return on Equity (ROE) | 6.5436% | 3,746 |
| Retained earnings to average equity (ytd only) | -1.3678% | 6,215 |
| Net charge-offs to loans | 0.4198% | 3,043 |
| Credit loss provision to net charge-offs | 197.0513% | 1,486 |
| Earnings coverage of net charge-offs (x) | 4.3423% | 3,100 |
| Efficiency ratio | 66.8138% | 4,565 |
| Assets per employee ($millions) | 3.6117% | 4,732 |
| Cash dividends to net income (ytd only)* | 120.9030% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 5,200 |
| Loan loss allowance to noncurrent loans | 47.8539% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.3724% | 2,706 |
| Noncurrent loans to loans | 2.6293% | 2,642 |
| Net loans and leases to total assets | 71.4384% | 1,827 |
| Net loans and leases to deposits | 91.2220% | 1,083 |
| Net loans and leases to core deposits | 93.1051% | 1,875 |
| Total domestic deposits to total assets | 78.3127% | 6,132 |
| Equity capital to assets | 12.8071% | 1,713 |
| Core capital (leverage) ratio | 10.0575% | 3,363 |
| Tier 1 risk-based capital ratio | 13.4654% | 4,765 |
| Total risk-based capital ratio | 14.7159% | 4,730 |
| Memoranda: | ||
| Average total assets | $350,547,000 | 1,855 |
| Average earning assets | $315,720,000 | 1,876 |
| Average equity | $37,919,000 | 1,780 |
| Average total loans | $247,744,750 | 1,704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 2,437 |
| Cost of funding earning assets | 1.3010% | 1,937 |
| Net interest margin | 3.8552% | 3,511 |
| Noninterest income to average assets | 0.4070% | 4,624 |
| Noninterest expense to average assets | 2.6599% | 4,968 |
| Loan and lease loss provision to assets | 0.3560% | 2,654 |
| Net operating income to assets | 0.8289% | 2,948 |
| Return on assets (ROA) | 0.8437% | 2,984 |
| Pretax return on assets | 0.8786% | 3,717 |
| Return on Equity (ROE) | 8.3162% | 2,802 |
| Retained earnings to average equity (ytd only) | 1.5290% | 5,216 |
| Net charge-offs to loans | 0.2580% | 3,594 |
| Credit loss provision to net charge-offs | 196.8354% | 1,537 |
| Earnings coverage of net charge-offs (x) | 6.7405% | 2,344 |
| Efficiency ratio | 67.8766% | 4,536 |
| Assets per employee ($millions) | 3.3755% | 5,264 |
| Cash dividends to net income (ytd only)* | 81.6147% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,847 |
| Loan loss allowance to noncurrent loans | 82.7658% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3229% | 4,259 |
| Noncurrent loans to loans | 1.3598% | 4,381 |
| Net loans and leases to total assets | 69.3487% | 2,352 |
| Net loans and leases to deposits | 85.7409% | 1,822 |
| Net loans and leases to core deposits | 88.9825% | 2,500 |
| Total domestic deposits to total assets | 80.8817% | 5,568 |
| Equity capital to assets | 10.2429% | 3,827 |
| Core capital (leverage) ratio | 6.9090% | 7,027 |
| Tier 1 risk-based capital ratio | 9.7031% | 7,054 |
| Total risk-based capital ratio | 10.8308% | 7,090 |
| Memoranda: | ||
| Average total assets | $349,414,670 | 1,875 |
| Average earning assets | $314,692,670 | 1,890 |
| Average equity | $35,448,670 | 1,889 |
| Average total loans | $244,968,330 | 1,740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 2,848 |
| Cost of funding earning assets | 1.3555% | 1,849 |
| Net interest margin | 3.6959% | 4,134 |
| Noninterest income to average assets | 0.3775% | 4,896 |
| Noninterest expense to average assets | 2.6736% | 4,944 |
| Loan and lease loss provision to assets | 0.3270% | 2,593 |
| Net operating income to assets | 0.6713% | 3,654 |
| Return on assets (ROA) | 0.6713% | 3,723 |
| Pretax return on assets | 0.7057% | 4,287 |
| Return on Equity (ROE) | 6.6489% | 3,558 |
| Retained earnings to average equity (ytd only) | 0.9661% | 5,443 |
| Net charge-offs to loans | 0.2521% | 3,075 |
| Credit loss provision to net charge-offs | 185.0649% | 1,586 |
| Earnings coverage of net charge-offs (x) | 5.8442% | 2,202 |
| Efficiency ratio | 71.4241% | 3,975 |
| Assets per employee ($millions) | 3.4499% | 5,121 |
| Cash dividends to net income (ytd only)* | 85.4701% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 6,122 |
| Loan loss allowance to noncurrent loans | 87.6435% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 4,594 |
| Noncurrent loans to loans | 1.2318% | 4,627 |
| Net loans and leases to total assets | 66.9399% | 2,773 |
| Net loans and leases to deposits | 82.1159% | 2,341 |
| Net loans and leases to core deposits | 85.0011% | 3,033 |
| Total domestic deposits to total assets | 81.5188% | 5,489 |
| Equity capital to assets | 9.9202% | 3,876 |
| Core capital (leverage) ratio | 6.8643% | 7,061 |
| Tier 1 risk-based capital ratio | 9.7346% | 7,081 |
| Total risk-based capital ratio | 10.8039% | 7,137 |
| Memoranda: | ||
| Average total assets | $348,596,000 | 1,891 |
| Average earning assets | $313,969,500 | 1,902 |
| Average equity | $35,194,000 | 1,888 |
| Average total loans | $244,342,000 | 1,761 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 1,736 |
| Cost of funding earning assets | 1.6673% | 1,746 |
| Net interest margin | 3.9867% | 3,077 |
| Noninterest income to average assets | 0.4597% | 4,442 |
| Noninterest expense to average assets | 2.6504% | 5,216 |
| Loan and lease loss provision to assets | 0.5264% | 3,047 |
| Net operating income to assets | 0.8286% | 2,678 |
| Return on assets (ROA) | 0.8346% | 2,796 |
| Pretax return on assets | 0.8744% | 3,392 |
| Return on Equity (ROE) | 7.7462% | 2,801 |
| Retained earnings to average equity (ytd only) | 0.7042% | 5,210 |
| Net charge-offs to loans | 0.6294% | 3,137 |
| Credit loss provision to net charge-offs | 113.4196% | 3,839 |
| Earnings coverage of net charge-offs (x) | 3.0048% | 3,568 |
| Efficiency ratio | 65.0567% | 5,153 |
| Assets per employee ($millions) | 3.4186% | 5,128 |
| Cash dividends to net income (ytd only)* | 90.9091% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,419 |
| Loan loss allowance to noncurrent loans | 86.4306% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 4,660 |
| Noncurrent loans to loans | 1.1489% | 4,810 |
| Net loans and leases to total assets | 71.8903% | 2,126 |
| Net loans and leases to deposits | 89.8131% | 1,552 |
| Net loans and leases to core deposits | 93.4563% | 2,329 |
| Total domestic deposits to total assets | 80.0443% | 5,824 |
| Equity capital to assets | 10.2786% | 3,409 |
| Core capital (leverage) ratio | 7.0306% | 7,012 |
| Tier 1 risk-based capital ratio | 9.5405% | 7,127 |
| Total risk-based capital ratio | 10.5402% | 7,190 |
| Memoranda: | ||
| Average total assets | $316,324,000 | 2,057 |
| Average earning assets | $284,470,400 | 2,080 |
| Average equity | $34,081,400 | 1,942 |
| Average total loans | $233,255,000 | 1,872 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 1,789 |
| Cost of funding earning assets | 1.7167% | 1,786 |
| Net interest margin | 3.9600% | 3,292 |
| Noninterest income to average assets | 0.4784% | 4,341 |
| Noninterest expense to average assets | 2.6241% | 5,226 |
| Loan and lease loss provision to assets | 0.3467% | 3,838 |
| Net operating income to assets | 1.0320% | 2,135 |
| Return on assets (ROA) | 1.0320% | 2,236 |
| Pretax return on assets | 1.0729% | 2,917 |
| Return on Equity (ROE) | 9.4585% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.3617% | 4,753 |
| Net charge-offs to loans | 0.2608% | 4,388 |
| Credit loss provision to net charge-offs | 179.5100% | 2,047 |
| Earnings coverage of net charge-offs (x) | 7.3497% | 2,347 |
| Efficiency ratio | 64.5000% | 5,155 |
| Assets per employee ($millions) | 3.3093% | 5,433 |
| Cash dividends to net income (ytd only)* | 75.0312% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 6,163 |
| Loan loss allowance to noncurrent loans | 60.3310% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.3478% | 4,469 |
| Noncurrent loans to loans | 1.7397% | 4,032 |
| Net loans and leases to total assets | 72.6050% | 2,099 |
| Net loans and leases to deposits | 91.3708% | 1,526 |
| Net loans and leases to core deposits | 95.4791% | 2,323 |
| Total domestic deposits to total assets | 79.4619% | 5,881 |
| Equity capital to assets | 10.3176% | 3,741 |
| Core capital (leverage) ratio | 7.3161% | 6,994 |
| Tier 1 risk-based capital ratio | 9.6866% | 7,194 |
| Total risk-based capital ratio | 10.7522% | 7,251 |
| Memoranda: | ||
| Average total assets | $309,940,750 | 2,134 |
| Average earning assets | $279,051,000 | 2,155 |
| Average equity | $33,817,250 | 1,977 |
| Average total loans | $229,512,000 | 1,924 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6745% | 1,858 |
| Cost of funding earning assets | 1.7868% | 1,699 |
| Net interest margin | 3.8878% | 3,504 |
| Noninterest income to average assets | 0.4225% | 4,732 |
| Noninterest expense to average assets | 2.5831% | 5,391 |
| Loan and lease loss provision to assets | 0.2576% | 4,360 |
| Net operating income to assets | 1.0319% | 2,077 |
| Return on assets (ROA) | 1.0319% | 2,155 |
| Pretax return on assets | 1.0746% | 2,866 |
| Return on Equity (ROE) | 9.2666% | 2,360 |
| Retained earnings to average equity (ytd only) | 2.0739% | 4,821 |
| Net charge-offs to loans | 0.2686% | 3,996 |
| Credit loss provision to net charge-offs | 129.0970% | 3,117 |
| Earnings coverage of net charge-offs (x) | 6.6756% | 2,419 |
| Efficiency ratio | 65.7518% | 5,029 |
| Assets per employee ($millions) | 3.3490% | 5,313 |
| Cash dividends to net income (ytd only)* | 77.6197% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,566 |
| Loan loss allowance to noncurrent loans | 75.1436% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 4,864 |
| Noncurrent loans to loans | 1.2770% | 4,829 |
| Net loans and leases to total assets | 72.5763% | 2,263 |
| Net loans and leases to deposits | 91.9977% | 1,531 |
| Net loans and leases to core deposits | 94.4035% | 2,653 |
| Total domestic deposits to total assets | 78.8893% | 6,067 |
| Equity capital to assets | 10.5241% | 3,381 |
| Core capital (leverage) ratio | 7.5692% | 6,762 |
| Tier 1 risk-based capital ratio | 9.7808% | 7,147 |
| Total risk-based capital ratio | 10.7549% | 7,265 |
| Memoranda: | ||
| Average total assets | $299,636,330 | 2,202 |
| Average earning assets | $269,203,670 | 2,235 |
| Average equity | $33,367,000 | 1,995 |
| Average total loans | $222,648,670 | 2,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 1,769 |
| Cost of funding earning assets | 1.8602% | 1,615 |
| Net interest margin | 3.8423% | 3,613 |
| Noninterest income to average assets | 0.4113% | 4,807 |
| Noninterest expense to average assets | 2.5531% | 5,541 |
| Loan and lease loss provision to assets | 0.2241% | 4,251 |
| Net operating income to assets | 1.0369% | 2,046 |
| Return on assets (ROA) | 1.0369% | 2,107 |
| Pretax return on assets | 1.0766% | 2,817 |
| Return on Equity (ROE) | 9.0169% | 2,491 |
| Retained earnings to average equity (ytd only) | 1.6159% | 5,132 |
| Net charge-offs to loans | 0.4847% | 2,608 |
| Credit loss provision to net charge-offs | 61.7188% | 4,268 |
| Earnings coverage of net charge-offs (x) | 3.5820% | 2,857 |
| Efficiency ratio | 65.9919% | 5,117 |
| Assets per employee ($millions) | 3.7097% | 4,554 |
| Cash dividends to net income (ytd only)* | 82.0793% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 6,279 |
| Loan loss allowance to noncurrent loans | 64.1632% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 4,449 |
| Noncurrent loans to loans | 1.6223% | 4,315 |
| Net loans and leases to total assets | 73.1709% | 2,159 |
| Net loans and leases to deposits | 95.8799% | 1,124 |
| Net loans and leases to core deposits | 98.7733% | 2,267 |
| Total domestic deposits to total assets | 76.3152% | 6,698 |
| Equity capital to assets | 11.4968% | 2,364 |
| Core capital (leverage) ratio | 7.5872% | 6,750 |
| Tier 1 risk-based capital ratio | 10.1781% | 6,901 |
| Total risk-based capital ratio | 11.2453% | 7,023 |
| Memoranda: | ||
| Average total assets | $282,006,000 | 2,378 |
| Average earning assets | $252,663,000 | 2,420 |
| Average equity | $32,428,000 | 2,070 |
| Average total loans | $211,267,500 | 2,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0096% | 1,829 |
| Cost of funding earning assets | 2.2708% | 1,768 |
| Net interest margin | 3.7387% | 3,956 |
| Noninterest income to average assets | 0.4921% | 4,478 |
| Noninterest expense to average assets | 2.5222% | 6,048 |
| Loan and lease loss provision to assets | 0.2427% | 5,442 |
| Net operating income to assets | 1.0185% | 1,779 |
| Return on assets (ROA) | 1.0351% | 1,764 |
| Pretax return on assets | 1.0752% | 2,320 |
| Return on Equity (ROE) | 8.8225% | 2,083 |
| Retained earnings to average equity (ytd only) | 4.0346% | 2,392 |
| Net charge-offs to loans | 0.1687% | 5,595 |
| Credit loss provision to net charge-offs | 191.1504% | 2,090 |
| Earnings coverage of net charge-offs (x) | 10.2448% | 1,703 |
| Efficiency ratio | 65.8895% | 5,412 |
| Assets per employee ($millions) | 3.7610% | 4,372 |
| Cash dividends to net income (ytd only)* | 54.2692% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 6,089 |
| Loan loss allowance to noncurrent loans | 120.8955% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 5,421 |
| Noncurrent loans to loans | 0.8764% | 5,549 |
| Net loans and leases to total assets | 75.0869% | 2,004 |
| Net loans and leases to deposits | 98.5726% | 1,047 |
| Net loans and leases to core deposits | 113.8600% | 2,513 |
| Total domestic deposits to total assets | 76.1742% | 6,642 |
| Equity capital to assets | 11.5013% | 2,320 |
| Core capital (leverage) ratio | 8.0902% | 6,009 |
| Tier 1 risk-based capital ratio | 9.8343% | 6,996 |
| Total risk-based capital ratio | 10.9193% | 7,091 |
| Memoranda: | ||
| Average total assets | $267,031,800 | 2,456 |
| Average earning assets | $237,887,600 | 2,522 |
| Average equity | $31,329,000 | 2,139 |
| Average total loans | $200,894,000 | 2,290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 2,162 |
| Cost of funding earning assets | 2.3441% | 1,834 |
| Net interest margin | 3.6235% | 4,396 |
| Noninterest income to average assets | 0.4958% | 4,518 |
| Noninterest expense to average assets | 2.4851% | 6,121 |
| Loan and lease loss provision to assets | 0.2097% | 5,303 |
| Net operating income to assets | 0.9961% | 2,077 |
| Return on assets (ROA) | 1.0103% | 2,079 |
| Pretax return on assets | 1.0458% | 2,751 |
| Return on Equity (ROE) | 8.5664% | 2,424 |
| Retained earnings to average equity (ytd only) | 2.1255% | 4,140 |
| Net charge-offs to loans | 0.2125% | 4,703 |
| Credit loss provision to net charge-offs | 131.4286% | 3,806 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,351 |
| Efficiency ratio | 66.6576% | 5,258 |
| Assets per employee ($millions) | 3.6626% | 4,512 |
| Cash dividends to net income (ytd only)* | 75.1881% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 6,423 |
| Loan loss allowance to noncurrent loans | 102.2355% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 5,180 |
| Noncurrent loans to loans | 0.9527% | 5,392 |
| Net loans and leases to total assets | 76.1709% | 1,965 |
| Net loans and leases to deposits | 98.1587% | 1,311 |
| Net loans and leases to core deposits | 113.8513% | 2,839 |
| Total domestic deposits to total assets | 77.5997% | 6,195 |
| Equity capital to assets | 11.4371% | 2,644 |
| Core capital (leverage) ratio | 7.6742% | 6,763 |
| Tier 1 risk-based capital ratio | 9.6483% | 7,277 |
| Total risk-based capital ratio | 10.6520% | 7,404 |
| Memoranda: | ||
| Average total assets | $263,271,750 | 2,498 |
| Average earning assets | $234,683,250 | 2,571 |
| Average equity | $31,050,750 | 2,186 |
| Average total loans | $197,600,750 | 2,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9860% | 2,235 |
| Cost of funding earning assets | 2.3849% | 2,027 |
| Net interest margin | 3.6011% | 4,354 |
| Noninterest income to average assets | 0.4779% | 4,646 |
| Noninterest expense to average assets | 2.4851% | 6,166 |
| Loan and lease loss provision to assets | 0.1418% | 5,651 |
| Net operating income to assets | 1.0244% | 2,024 |
| Return on assets (ROA) | 1.0244% | 2,108 |
| Pretax return on assets | 1.0599% | 2,773 |
| Return on Equity (ROE) | 8.5940% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.5940% | 1,042 |
| Net charge-offs to loans | 0.2207% | 4,123 |
| Credit loss provision to net charge-offs | 86.3850% | 5,018 |
| Earnings coverage of net charge-offs (x) | 7.3192% | 2,459 |
| Efficiency ratio | 67.3636% | 5,279 |
| Assets per employee ($millions) | 3.4776% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,417 |
| Loan loss allowance to noncurrent loans | 75.1558% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 5,050 |
| Noncurrent loans to loans | 1.2975% | 4,609 |
| Net loans and leases to total assets | 72.2509% | 3,149 |
| Net loans and leases to deposits | 95.7378% | 1,841 |
| Net loans and leases to core deposits | 111.8925% | 3,146 |
| Total domestic deposits to total assets | 75.4675% | 6,667 |
| Equity capital to assets | 11.6482% | 2,427 |
| Core capital (leverage) ratio | 7.7662% | 6,652 |
| Tier 1 risk-based capital ratio | 10.2946% | 6,601 |
| Total risk-based capital ratio | 11.2885% | 6,802 |
| Memoranda: | ||
| Average total assets | $259,464,670 | 2,547 |
| Average earning assets | $231,206,330 | 2,621 |
| Average equity | $30,928,670 | 2,189 |
| Average total loans | $193,036,330 | 2,426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0974% | 1,955 |
| Cost of funding earning assets | 2.4760% | 2,005 |
| Net interest margin | 3.6214% | 4,232 |
| Noninterest income to average assets | 0.4811% | 4,498 |
| Noninterest expense to average assets | 2.4356% | 6,071 |
| Loan and lease loss provision to assets | 0.1262% | 5,341 |
| Net operating income to assets | 1.0900% | 1,996 |
| Return on assets (ROA) | 1.0900% | 2,125 |
| Pretax return on assets | 1.1263% | 2,884 |
| Return on Equity (ROE) | 9.0342% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.0342% | 1,472 |
| Net charge-offs to loans | 0.4659% | 2,282 |
| Credit loss provision to net charge-offs | 36.0360% | 4,874 |
| Earnings coverage of net charge-offs (x) | 3.5766% | 3,133 |
| Efficiency ratio | 65.9966% | 5,333 |
| Assets per employee ($millions) | 3.7727% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,421 |
| Loan loss allowance to noncurrent loans | 77.7160% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 4,888 |
| Noncurrent loans to loans | 1.2376% | 4,497 |
| Net loans and leases to total assets | 71.8756% | 3,267 |
| Net loans and leases to deposits | 93.6625% | 2,329 |
| Net loans and leases to core deposits | 108.4580% | 3,619 |
| Total domestic deposits to total assets | 76.7390% | 6,350 |
| Equity capital to assets | 11.8725% | 2,344 |
| Core capital (leverage) ratio | 8.0495% | 6,381 |
| Tier 1 risk-based capital ratio | 10.3906% | 6,508 |
| Total risk-based capital ratio | 11.3662% | 6,708 |
| Memoranda: | ||
| Average total assets | $253,571,000 | 2,604 |
| Average earning assets | $224,554,000 | 2,713 |
| Average equity | $30,595,000 | 2,217 |
| Average total loans | $190,598,500 | 2,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7623% | 1,817 |
| Cost of funding earning assets | 3.0475% | 1,695 |
| Net interest margin | 3.7148% | 4,403 |
| Noninterest income to average assets | 0.4079% | 5,409 |
| Noninterest expense to average assets | 2.3600% | 6,532 |
| Loan and lease loss provision to assets | 0.1365% | 5,614 |
| Net operating income to assets | 1.1318% | 2,023 |
| Return on assets (ROA) | 1.1318% | 1,940 |
| Pretax return on assets | 1.1672% | 2,778 |
| Return on Equity (ROE) | 9.2994% | 2,529 |
| Retained earnings to average equity (ytd only) | 4.1540% | 2,542 |
| Net charge-offs to loans | 0.0420% | 6,191 |
| Credit loss provision to net charge-offs | 424.6753% | 1,028 |
| Earnings coverage of net charge-offs (x) | 40.5584% | 912 |
| Efficiency ratio | 64.4143% | 5,473 |
| Assets per employee ($millions) | 3.6840% | 4,208 |
| Cash dividends to net income (ytd only)* | 55.3301% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 5,860 |
| Loan loss allowance to noncurrent loans | 75.8127% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 4,152 |
| Noncurrent loans to loans | 1.3439% | 3,829 |
| Net loans and leases to total assets | 77.1058% | 2,349 |
| Net loans and leases to deposits | 103.3377% | 1,422 |
| Net loans and leases to core deposits | 122.1624% | 2,493 |
| Total domestic deposits to total assets | 74.6154% | 6,537 |
| Equity capital to assets | 12.2693% | 2,127 |
| Core capital (leverage) ratio | 7.9891% | 6,513 |
| Tier 1 risk-based capital ratio | 10.0341% | 6,698 |
| Total risk-based capital ratio | 11.0875% | 6,801 |
| Memoranda: | ||
| Average total assets | $239,538,400 | 2,660 |
| Average earning assets | $209,944,600 | 2,772 |
| Average equity | $29,152,400 | 2,322 |
| Average total loans | $183,257,000 | 2,471 |