Home > FirstBank of Nebraska > Performance and Condition Ratios
FirstBank of Nebraska, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 2,612 |
| Cost of funding earning assets | 2.0262% | 887 |
| Net interest margin | 2.7029% | 3,815 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.3439% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4558% | 1,108 |
| Return on assets (ROA) | 1.4081% | 1,177 |
| Pretax return on assets | 1.4439% | 1,546 |
| Return on Equity (ROE) | 22.0000% | 457 |
| Retained earnings to average equity (ytd only) | 6.7985% | 1,958 |
| Net charge-offs to loans | -0.0005% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.3802% | 4,125 |
| Assets per employee ($millions) | 10.3748% | 637 |
| Cash dividends to net income (ytd only)* | 69.0966% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 495 |
| Loan loss allowance to noncurrent loans | 2,459.4595% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,411 |
| Noncurrent loans to loans | 0.0750% | 3,187 |
| Net loans and leases to total assets | 44.4700% | 3,878 |
| Net loans and leases to deposits | 58.3306% | 3,615 |
| Net loans and leases to core deposits | 81.7301% | 2,608 |
| Total domestic deposits to total assets | 76.2400% | 3,924 |
| Equity capital to assets | 8.4474% | 3,088 |
| Core capital (leverage) ratio | 11.7719% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $411,123,000 | 1,980 |
| Average earning assets | $391,425,800 | 1,947 |
| Average equity | $26,314,800 | 2,446 |
| Average total loans | $185,541,000 | 2,391 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 2,500 |
| Cost of funding earning assets | 1.9193% | 832 |
| Net interest margin | 2.7664% | 3,784 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.3321% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5348% | 1,057 |
| Return on assets (ROA) | 1.5280% | 1,052 |
| Pretax return on assets | 1.5579% | 1,450 |
| Return on Equity (ROE) | 26.1200% | 347 |
| Retained earnings to average equity (ytd only) | 14.8631% | 575 |
| Net charge-offs to loans | -0.0022% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.9825% | 4,137 |
| Assets per employee ($millions) | 10.0416% | 657 |
| Cash dividends to net income (ytd only)* | 43.0942% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 485 |
| Loan loss allowance to noncurrent loans | 2,528.4722% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,454 |
| Noncurrent loans to loans | 0.0746% | 3,223 |
| Net loans and leases to total assets | 46.0000% | 3,834 |
| Net loans and leases to deposits | 55.9741% | 3,712 |
| Net loans and leases to core deposits | 76.5878% | 2,824 |
| Total domestic deposits to total assets | 82.1900% | 3,178 |
| Equity capital to assets | 3.7753% | 4,423 |
| Core capital (leverage) ratio | 10.3849% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $404,968,000 | 1,997 |
| Average earning assets | $385,475,250 | 1,964 |
| Average equity | $23,691,250 | 2,586 |
| Average total loans | $182,574,000 | 2,420 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 2,575 |
| Cost of funding earning assets | 1.7317% | 841 |
| Net interest margin | 2.7973% | 3,825 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.3414% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5443% | 1,027 |
| Return on assets (ROA) | 1.5355% | 1,037 |
| Pretax return on assets | 1.5668% | 1,470 |
| Return on Equity (ROE) | 23.4200% | 465 |
| Retained earnings to average equity (ytd only) | 23.4177% | 156 |
| Net charge-offs to loans | 0.0067% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 528.8333% | 279 |
| Efficiency ratio | 45.9823% | 4,166 |
| Assets per employee ($millions) | 10.3759% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9526% | 455 |
| Loan loss allowance to noncurrent loans | 2,029.6089% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,348 |
| Noncurrent loans to loans | 0.0962% | 3,017 |
| Net loans and leases to total assets | 43.9500% | 3,879 |
| Net loans and leases to deposits | 53.9229% | 3,749 |
| Net loans and leases to core deposits | 72.1201% | 3,009 |
| Total domestic deposits to total assets | 81.5100% | 3,335 |
| Equity capital to assets | 6.6086% | 3,947 |
| Core capital (leverage) ratio | 10.7278% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $402,722,333 | 2,007 |
| Average earning assets | $383,090,333 | 1,968 |
| Average equity | $26,407,333 | 2,440 |
| Average total loans | $179,085,000 | 2,448 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 2,701 |
| Cost of funding earning assets | 1.5549% | 760 |
| Net interest margin | 2.7869% | 3,960 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.3647% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4985% | 1,189 |
| Return on assets (ROA) | 1.4807% | 1,199 |
| Pretax return on assets | 1.5160% | 1,637 |
| Return on Equity (ROE) | 22.6700% | 533 |
| Retained earnings to average equity (ytd only) | 22.6744% | 262 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0772% | 4,152 |
| Assets per employee ($millions) | 10.2243% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 396 |
| Loan loss allowance to noncurrent loans | 978.2258% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 2,902 |
| Noncurrent loans to loans | 0.2107% | 2,419 |
| Net loans and leases to total assets | 42.2700% | 3,941 |
| Net loans and leases to deposits | 53.2816% | 3,724 |
| Net loans and leases to core deposits | 67.4979% | 3,136 |
| Total domestic deposits to total assets | 79.3400% | 3,859 |
| Equity capital to assets | 7.0225% | 3,817 |
| Core capital (leverage) ratio | 10.5149% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $396,565,500 | 2,055 |
| Average earning assets | $376,622,500 | 2,011 |
| Average equity | $25,897,000 | 2,489 |
| Average total loans | $175,598,500 | 2,503 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 2,409 |
| Cost of funding earning assets | 0.6350% | 767 |
| Net interest margin | 3.1148% | 3,132 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.4357% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9306% | 337 |
| Return on assets (ROA) | 2.0066% | 285 |
| Pretax return on assets | 2.0381% | 437 |
| Return on Equity (ROE) | 25.5500% | 194 |
| Retained earnings to average equity (ytd only) | 18.7470% | 118 |
| Net charge-offs to loans | 0.0024% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,835.0000% | 93 |
| Efficiency ratio | 42.2729% | 4,481 |
| Assets per employee ($millions) | 9.6040% | 760 |
| Cash dividends to net income (ytd only)* | 26.6241% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 373 |
| Loan loss allowance to noncurrent loans | 2,218.9024% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,378 |
| Noncurrent loans to loans | 0.0939% | 3,092 |
| Net loans and leases to total assets | 44.5200% | 3,867 |
| Net loans and leases to deposits | 57.9214% | 3,468 |
| Net loans and leases to core deposits | 69.8289% | 2,889 |
| Total domestic deposits to total assets | 76.8600% | 4,186 |
| Equity capital to assets | 6.0064% | 4,085 |
| Core capital (leverage) ratio | 10.8141% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $374,373,200 | 2,127 |
| Average earning assets | $354,950,400 | 2,091 |
| Average equity | $29,402,000 | 2,360 |
| Average total loans | $164,703,800 | 2,506 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 2,313 |
| Cost of funding earning assets | 0.4608% | 932 |
| Net interest margin | 3.1509% | 2,773 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.4397% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0318% | 274 |
| Return on assets (ROA) | 2.1667% | 216 |
| Pretax return on assets | 2.1936% | 325 |
| Return on Equity (ROE) | 26.0100% | 165 |
| Retained earnings to average equity (ytd only) | 17.4021% | 189 |
| Net charge-offs to loans | -0.0033% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.1686% | 4,545 |
| Assets per employee ($millions) | 9.5512% | 748 |
| Cash dividends to net income (ytd only)* | 33.0907% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1464% | 380 |
| Loan loss allowance to noncurrent loans | 2,383.0065% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,504 |
| Noncurrent loans to loans | 0.0901% | 3,234 |
| Net loans and leases to total assets | 43.5100% | 3,907 |
| Net loans and leases to deposits | 57.4586% | 3,379 |
| Net loans and leases to core deposits | 65.4360% | 2,993 |
| Total domestic deposits to total assets | 75.7200% | 4,380 |
| Equity capital to assets | 5.9846% | 3,975 |
| Core capital (leverage) ratio | 10.4315% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $371,926,750 | 2,144 |
| Average earning assets | $352,697,250 | 2,113 |
| Average equity | $30,984,000 | 2,323 |
| Average total loans | $162,212,000 | 2,528 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4580% | 2,269 |
| Cost of funding earning assets | 0.3749% | 1,081 |
| Net interest margin | 3.0831% | 2,586 |
| Noninterest income to average assets | 0.5964% | 1,757 |
| Noninterest expense to average assets | 1.4196% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0792% | 195 |
| Return on assets (ROA) | 2.2694% | 143 |
| Pretax return on assets | 2.2965% | 220 |
| Return on Equity (ROE) | 24.8259% | 118 |
| Retained earnings to average equity (ytd only) | 12.9531% | 473 |
| Net charge-offs to loans | -0.0025% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2833% | 4,601 |
| Assets per employee ($millions) | 9.1048% | 851 |
| Cash dividends to net income (ytd only)* | 47.8240% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2228% | 373 |
| Loan loss allowance to noncurrent loans | 1,694.8837% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,404 |
| Noncurrent loans to loans | 0.1311% | 3,061 |
| Net loans and leases to total assets | 42.9395% | 3,907 |
| Net loans and leases to deposits | 56.9702% | 3,303 |
| Net loans and leases to core deposits | 62.1087% | 3,108 |
| Total domestic deposits to total assets | 75.3719% | 4,489 |
| Equity capital to assets | 7.0560% | 3,738 |
| Core capital (leverage) ratio | 9.9943% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,553,000 | 2,166 |
| Average earning assets | $349,973,667 | 2,140 |
| Average equity | $33,690,667 | 2,246 |
| Average total loans | $159,661,333 | 2,551 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3210% | 2,319 |
| Cost of funding earning assets | 0.3646% | 1,097 |
| Net interest margin | 2.9563% | 2,647 |
| Noninterest income to average assets | 0.8990% | 841 |
| Noninterest expense to average assets | 1.4310% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.2430% | 157 |
| Return on assets (ROA) | 2.6075% | 108 |
| Pretax return on assets | 2.6348% | 148 |
| Return on Equity (ROE) | 25.5526% | 93 |
| Retained earnings to average equity (ytd only) | 4.1428% | 2,886 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7001% | 4,667 |
| Assets per employee ($millions) | 8.7427% | 1,001 |
| Cash dividends to net income (ytd only)* | 83.7872% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3271% | 358 |
| Loan loss allowance to noncurrent loans | 997.8082% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 2,515 |
| Noncurrent loans to loans | 0.2332% | 2,658 |
| Net loans and leases to total assets | 40.6619% | 3,967 |
| Net loans and leases to deposits | 56.3441% | 3,236 |
| Net loans and leases to core deposits | 59.3510% | 3,200 |
| Total domestic deposits to total assets | 72.1672% | 4,619 |
| Equity capital to assets | 9.1888% | 2,534 |
| Core capital (leverage) ratio | 9.6843% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,181,000 | 2,183 |
| Average earning assets | $346,644,500 | 2,159 |
| Average equity | $37,366,000 | 2,159 |
| Average total loans | $157,524,000 | 2,569 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 1,413 |
| Cost of funding earning assets | 0.4342% | 1,296 |
| Net interest margin | 3.5435% | 1,620 |
| Noninterest income to average assets | 0.4841% | 2,657 |
| Noninterest expense to average assets | 1.5206% | 4,516 |
| Loan and lease loss provision to assets | 0.0217% | 2,638 |
| Net operating income to assets | 2.2753% | 212 |
| Return on assets (ROA) | 2.3129% | 213 |
| Pretax return on assets | 2.3419% | 325 |
| Return on Equity (ROE) | 20.8983% | 266 |
| Retained earnings to average equity (ytd only) | 10.3548% | 831 |
| Net charge-offs to loans | -0.1369% | 4,651 |
| Credit loss provision to net charge-offs | -34.4037% | 3,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5342% | 4,696 |
| Assets per employee ($millions) | 8.4864% | 1,089 |
| Cash dividends to net income (ytd only)* | 50.4512% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2972% | 385 |
| Loan loss allowance to noncurrent loans | 1,338.9706% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,743 |
| Noncurrent loans to loans | 0.1716% | 3,093 |
| Net loans and leases to total assets | 43.4595% | 3,876 |
| Net loans and leases to deposits | 63.6333% | 2,718 |
| Net loans and leases to core deposits | 67.3666% | 2,704 |
| Total domestic deposits to total assets | 68.2968% | 4,706 |
| Equity capital to assets | 11.2752% | 1,623 |
| Core capital (leverage) ratio | 9.8501% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,936,000 | 2,225 |
| Average earning assets | $327,276,600 | 2,200 |
| Average equity | $38,175,400 | 2,152 |
| Average total loans | $159,272,800 | 2,550 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 1,336 |
| Cost of funding earning assets | 0.4476% | 1,368 |
| Net interest margin | 3.6388% | 1,496 |
| Noninterest income to average assets | 0.4872% | 2,681 |
| Noninterest expense to average assets | 1.4929% | 4,598 |
| Loan and lease loss provision to assets | 0.0292% | 2,414 |
| Net operating income to assets | 2.3879% | 246 |
| Return on assets (ROA) | 2.4373% | 240 |
| Pretax return on assets | 2.4662% | 355 |
| Return on Equity (ROE) | 22.1307% | 294 |
| Retained earnings to average equity (ytd only) | 7.8854% | 2,094 |
| Net charge-offs to loans | -0.1179% | 4,667 |
| Credit loss provision to net charge-offs | -53.1915% | 3,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9058% | 4,767 |
| Assets per employee ($millions) | 8.0228% | 1,257 |
| Cash dividends to net income (ytd only)* | 64.3691% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2611% | 415 |
| Loan loss allowance to noncurrent loans | 1,184.0532% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 2,612 |
| Noncurrent loans to loans | 0.1910% | 3,185 |
| Net loans and leases to total assets | 43.6423% | 3,982 |
| Net loans and leases to deposits | 62.7769% | 2,974 |
| Net loans and leases to core deposits | 66.4268% | 2,915 |
| Total domestic deposits to total assets | 69.5196% | 4,744 |
| Equity capital to assets | 11.0376% | 1,989 |
| Core capital (leverage) ratio | 9.5675% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,063,000 | 2,258 |
| Average earning assets | $324,424,500 | 2,235 |
| Average equity | $37,672,250 | 2,195 |
| Average total loans | $159,455,000 | 2,585 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 904 |
| Cost of funding earning assets | 0.4595% | 1,453 |
| Net interest margin | 3.9019% | 968 |
| Noninterest income to average assets | 0.5348% | 2,469 |
| Noninterest expense to average assets | 1.4958% | 4,625 |
| Loan and lease loss provision to assets | 0.0443% | 2,129 |
| Net operating income to assets | 2.6646% | 179 |
| Return on assets (ROA) | 2.7026% | 174 |
| Pretax return on assets | 2.7315% | 251 |
| Return on Equity (ROE) | 24.5583% | 211 |
| Retained earnings to average equity (ytd only) | 13.6835% | 602 |
| Net charge-offs to loans | -0.0037% | 3,343 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3344% | 4,852 |
| Assets per employee ($millions) | 7.6798% | 1,377 |
| Cash dividends to net income (ytd only)* | 44.2817% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1061% | 498 |
| Loan loss allowance to noncurrent loans | 232.9028% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 1,916 |
| Noncurrent loans to loans | 0.9043% | 1,371 |
| Net loans and leases to total assets | 46.0793% | 3,899 |
| Net loans and leases to deposits | 67.4424% | 2,681 |
| Net loans and leases to core deposits | 69.8989% | 2,792 |
| Total domestic deposits to total assets | 68.3239% | 4,786 |
| Equity capital to assets | 11.3571% | 1,726 |
| Core capital (leverage) ratio | 9.7854% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,416,000 | 2,266 |
| Average earning assets | $320,765,333 | 2,238 |
| Average equity | $37,242,000 | 2,202 |
| Average total loans | $160,065,667 | 2,595 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 1,335 |
| Cost of funding earning assets | 0.4777% | 1,540 |
| Net interest margin | 3.6446% | 1,465 |
| Noninterest income to average assets | 0.6117% | 2,160 |
| Noninterest expense to average assets | 1.4802% | 4,671 |
| Loan and lease loss provision to assets | 0.0896% | 1,477 |
| Net operating income to assets | 2.4586% | 281 |
| Return on assets (ROA) | 2.4586% | 304 |
| Pretax return on assets | 2.4872% | 447 |
| Return on Equity (ROE) | 22.7162% | 350 |
| Retained earnings to average equity (ytd only) | 0.3643% | 4,321 |
| Net charge-offs to loans | -0.0025% | 3,182 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4841% | 4,838 |
| Assets per employee ($millions) | 7.8119% | 1,280 |
| Cash dividends to net income (ytd only)* | 98.3965% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1422% | 463 |
| Loan loss allowance to noncurrent loans | 248.7291% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,202 |
| Noncurrent loans to loans | 0.8613% | 1,559 |
| Net loans and leases to total assets | 45.5181% | 3,997 |
| Net loans and leases to deposits | 65.3863% | 2,991 |
| Net loans and leases to core deposits | 67.4736% | 3,112 |
| Total domestic deposits to total assets | 69.6141% | 4,778 |
| Equity capital to assets | 10.2576% | 2,472 |
| Core capital (leverage) ratio | 9.2900% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,829,500 | 2,260 |
| Average earning assets | $316,524,500 | 2,241 |
| Average equity | $36,238,500 | 2,249 |
| Average total loans | $158,763,000 | 2,610 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,015 |
| Cost of funding earning assets | 0.6940% | 1,742 |
| Net interest margin | 3.5502% | 2,311 |
| Noninterest income to average assets | 0.5166% | 2,560 |
| Noninterest expense to average assets | 1.5627% | 4,731 |
| Loan and lease loss provision to assets | 0.2531% | 1,530 |
| Net operating income to assets | 2.0271% | 250 |
| Return on assets (ROA) | 2.0793% | 245 |
| Pretax return on assets | 2.1113% | 355 |
| Return on Equity (ROE) | 19.0293% | 274 |
| Retained earnings to average equity (ytd only) | 5.5821% | 2,008 |
| Net charge-offs to loans | -0.0142% | 4,336 |
| Credit loss provision to net charge-offs | -3,229.1667% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3405% | 4,863 |
| Assets per employee ($millions) | 7.5799% | 1,229 |
| Cash dividends to net income (ytd only)* | 70.6658% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 475 |
| Loan loss allowance to noncurrent loans | 208.0124% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 1,992 |
| Noncurrent loans to loans | 1.0213% | 1,392 |
| Net loans and leases to total assets | 47.3393% | 4,019 |
| Net loans and leases to deposits | 70.3313% | 2,847 |
| Net loans and leases to core deposits | 72.7858% | 3,014 |
| Total domestic deposits to total assets | 67.3090% | 4,831 |
| Equity capital to assets | 11.4192% | 1,942 |
| Core capital (leverage) ratio | 9.7402% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,258,600 | 2,267 |
| Average earning assets | $289,617,800 | 2,229 |
| Average equity | $33,464,200 | 2,318 |
| Average total loans | $168,507,600 | 2,496 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 1,915 |
| Cost of funding earning assets | 0.7517% | 1,735 |
| Net interest margin | 3.6225% | 2,186 |
| Noninterest income to average assets | 0.5248% | 2,502 |
| Noninterest expense to average assets | 1.5185% | 4,790 |
| Loan and lease loss provision to assets | 0.2432% | 1,671 |
| Net operating income to assets | 2.1634% | 217 |
| Return on assets (ROA) | 2.2340% | 207 |
| Pretax return on assets | 2.2649% | 302 |
| Return on Equity (ROE) | 20.6971% | 214 |
| Retained earnings to average equity (ytd only) | 2.2505% | 3,843 |
| Net charge-offs to loans | -0.0623% | 4,731 |
| Credit loss provision to net charge-offs | -687.5000% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3893% | 4,930 |
| Assets per employee ($millions) | 7.9911% | 997 |
| Cash dividends to net income (ytd only)* | 89.1266% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 623 |
| Loan loss allowance to noncurrent loans | 218.2567% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 2,269 |
| Noncurrent loans to loans | 0.8555% | 1,728 |
| Net loans and leases to total assets | 52.2882% | 3,948 |
| Net loans and leases to deposits | 77.6441% | 2,567 |
| Net loans and leases to core deposits | 80.5083% | 2,802 |
| Total domestic deposits to total assets | 67.3434% | 4,826 |
| Equity capital to assets | 11.0451% | 2,365 |
| Core capital (leverage) ratio | 9.4617% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,339,750 | 2,272 |
| Average earning assets | $285,396,750 | 2,239 |
| Average equity | $32,525,500 | 2,344 |
| Average total loans | $171,223,500 | 2,475 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 1,817 |
| Cost of funding earning assets | 0.8224% | 1,718 |
| Net interest margin | 3.7120% | 2,125 |
| Noninterest income to average assets | 0.5433% | 2,380 |
| Noninterest expense to average assets | 1.5689% | 4,806 |
| Loan and lease loss provision to assets | 0.2202% | 1,896 |
| Net operating income to assets | 2.2465% | 210 |
| Return on assets (ROA) | 2.3303% | 196 |
| Pretax return on assets | 2.3615% | 275 |
| Return on Equity (ROE) | 21.7728% | 173 |
| Retained earnings to average equity (ytd only) | -6.7091% | 4,838 |
| Net charge-offs to loans | -0.0583% | 4,721 |
| Credit loss provision to net charge-offs | -650.0000% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5871% | 4,947 |
| Assets per employee ($millions) | 8.0663% | 942 |
| Cash dividends to net income (ytd only)* | 130.8140% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 889 |
| Loan loss allowance to noncurrent loans | 188.7669% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,274 |
| Noncurrent loans to loans | 0.8803% | 1,735 |
| Net loans and leases to total assets | 55.0057% | 3,780 |
| Net loans and leases to deposits | 81.6634% | 2,239 |
| Net loans and leases to core deposits | 86.0197% | 2,437 |
| Total domestic deposits to total assets | 67.3566% | 4,856 |
| Equity capital to assets | 10.6016% | 2,662 |
| Core capital (leverage) ratio | 9.2281% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,238,333 | 2,280 |
| Average earning assets | $280,171,000 | 2,249 |
| Average equity | $31,599,000 | 2,381 |
| Average total loans | $171,526,000 | 2,456 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 2,380 |
| Cost of funding earning assets | 0.9454% | 1,665 |
| Net interest margin | 3.5284% | 2,886 |
| Noninterest income to average assets | 0.3054% | 3,687 |
| Noninterest expense to average assets | 1.6375% | 4,833 |
| Loan and lease loss provision to assets | 0.2101% | 1,459 |
| Net operating income to assets | 1.7681% | 437 |
| Return on assets (ROA) | 1.8546% | 408 |
| Pretax return on assets | 1.8868% | 583 |
| Return on Equity (ROE) | 17.2379% | 313 |
| Retained earnings to average equity (ytd only) | -41.3501% | 5,071 |
| Net charge-offs to loans | -0.0189% | 4,317 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9097% | 4,863 |
| Assets per employee ($millions) | 7.2187% | 994 |
| Cash dividends to net income (ytd only)* | 339.8792% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,004 |
| Loan loss allowance to noncurrent loans | 195.1009% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 2,466 |
| Noncurrent loans to loans | 0.8329% | 1,943 |
| Net loans and leases to total assets | 56.7791% | 3,771 |
| Net loans and leases to deposits | 85.8731% | 2,017 |
| Net loans and leases to core deposits | 92.9395% | 2,074 |
| Total domestic deposits to total assets | 66.1198% | 4,958 |
| Equity capital to assets | 10.1584% | 3,640 |
| Core capital (leverage) ratio | 9.4137% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,565,500 | 2,287 |
| Average earning assets | $270,374,000 | 2,267 |
| Average equity | $30,723,000 | 2,417 |
| Average total loans | $169,307,500 | 2,458 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 2,061 |
| Cost of funding earning assets | 1.0204% | 1,636 |
| Net interest margin | 3.7733% | 2,590 |
| Noninterest income to average assets | 0.3418% | 3,659 |
| Noninterest expense to average assets | 1.6493% | 4,916 |
| Loan and lease loss provision to assets | 0.2179% | 897 |
| Net operating income to assets | 2.0180% | 337 |
| Return on assets (ROA) | 2.0568% | 318 |
| Pretax return on assets | 2.0895% | 489 |
| Return on Equity (ROE) | 19.5600% | 237 |
| Retained earnings to average equity (ytd only) | 12.6520% | 187 |
| Net charge-offs to loans | 0.1506% | 1,319 |
| Credit loss provision to net charge-offs | 235.2941% | 1,141 |
| Earnings coverage of net charge-offs (x) | 24.4863% | 1,771 |
| Efficiency ratio | 42.1048% | 5,025 |
| Assets per employee ($millions) | 7.2406% | 959 |
| Cash dividends to net income (ytd only)* | 35.3170% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,275 |
| Loan loss allowance to noncurrent loans | 233.9450% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 2,861 |
| Noncurrent loans to loans | 0.6339% | 2,300 |
| Net loans and leases to total assets | 59.9924% | 3,583 |
| Net loans and leases to deposits | 84.5738% | 2,271 |
| Net loans and leases to core deposits | 98.1251% | 1,715 |
| Total domestic deposits to total assets | 70.9350% | 4,899 |
| Equity capital to assets | 11.3725% | 2,643 |
| Core capital (leverage) ratio | 10.4557% | 3,001 |
| Tier 1 risk-based capital ratio | 13.1771% | 3,698 |
| Total risk-based capital ratio | 14.3213% | 3,633 |
| Memoranda: | ||
| Average total assets | $275,329,600 | 2,303 |
| Average earning assets | $260,887,400 | 2,269 |
| Average equity | $28,952,000 | 2,449 |
| Average total loans | $169,326,800 | 2,416 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 2,346 |
| Cost of funding earning assets | 1.0183% | 1,686 |
| Net interest margin | 3.7062% | 2,894 |
| Noninterest income to average assets | 0.3465% | 3,653 |
| Noninterest expense to average assets | 1.6181% | 4,988 |
| Loan and lease loss provision to assets | 0.2193% | 783 |
| Net operating income to assets | 2.0070% | 389 |
| Return on assets (ROA) | 2.0523% | 372 |
| Pretax return on assets | 2.0777% | 580 |
| Return on Equity (ROE) | 19.9369% | 247 |
| Retained earnings to average equity (ytd only) | 10.4679% | 635 |
| Net charge-offs to loans | 0.0348% | 2,380 |
| Credit loss provision to net charge-offs | 1,022.7273% | 340 |
| Earnings coverage of net charge-offs (x) | 104.9686% | 724 |
| Efficiency ratio | 41.8189% | 5,085 |
| Assets per employee ($millions) | 6.8796% | 1,078 |
| Cash dividends to net income (ytd only)* | 47.4946% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,283 |
| Loan loss allowance to noncurrent loans | 128.6207% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 1,902 |
| Noncurrent loans to loans | 1.1542% | 1,370 |
| Net loans and leases to total assets | 61.4295% | 3,548 |
| Net loans and leases to deposits | 85.0668% | 2,313 |
| Net loans and leases to core deposits | 104.8051% | 1,278 |
| Total domestic deposits to total assets | 72.2133% | 4,906 |
| Equity capital to assets | 11.0748% | 3,040 |
| Core capital (leverage) ratio | 10.0736% | 3,560 |
| Tier 1 risk-based capital ratio | 12.4466% | 4,177 |
| Total risk-based capital ratio | 13.6108% | 4,102 |
| Memoranda: | ||
| Average total assets | $273,566,000 | 2,325 |
| Average earning assets | $260,028,750 | 2,288 |
| Average equity | $28,161,500 | 2,506 |
| Average total loans | $168,668,750 | 2,445 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 2,469 |
| Cost of funding earning assets | 0.9870% | 1,754 |
| Net interest margin | 3.6760% | 3,006 |
| Noninterest income to average assets | 0.3450% | 3,626 |
| Noninterest expense to average assets | 1.6437% | 5,028 |
| Loan and lease loss provision to assets | 0.2216% | 747 |
| Net operating income to assets | 1.9524% | 421 |
| Return on assets (ROA) | 2.0212% | 394 |
| Pretax return on assets | 2.0463% | 623 |
| Return on Equity (ROE) | 20.1651% | 247 |
| Retained earnings to average equity (ytd only) | 5.4245% | 2,558 |
| Net charge-offs to loans | 0.0529% | 1,886 |
| Credit loss provision to net charge-offs | 681.8182% | 474 |
| Earnings coverage of net charge-offs (x) | 67.6364% | 921 |
| Efficiency ratio | 42.7802% | 5,098 |
| Assets per employee ($millions) | 7.0286% | 986 |
| Cash dividends to net income (ytd only)* | 73.0994% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,515 |
| Loan loss allowance to noncurrent loans | 127.7115% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 1,948 |
| Noncurrent loans to loans | 1.1149% | 1,465 |
| Net loans and leases to total assets | 62.1543% | 3,530 |
| Net loans and leases to deposits | 86.8742% | 2,147 |
| Net loans and leases to core deposits | 107.9881% | 1,103 |
| Total domestic deposits to total assets | 71.5453% | 4,990 |
| Equity capital to assets | 10.5153% | 3,502 |
| Core capital (leverage) ratio | 9.7894% | 3,838 |
| Tier 1 risk-based capital ratio | 12.0592% | 4,381 |
| Total risk-based capital ratio | 13.1817% | 4,343 |
| Memoranda: | ||
| Average total assets | $270,733,670 | 2,353 |
| Average earning assets | $257,561,000 | 2,312 |
| Average equity | $27,136,000 | 2,560 |
| Average total loans | $166,264,670 | 2,479 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 2,516 |
| Cost of funding earning assets | 0.9611% | 1,744 |
| Net interest margin | 3.6435% | 3,096 |
| Noninterest income to average assets | 0.3360% | 3,614 |
| Noninterest expense to average assets | 1.6919% | 5,022 |
| Loan and lease loss provision to assets | 0.2230% | 698 |
| Net operating income to assets | 1.8455% | 513 |
| Return on assets (ROA) | 1.8882% | 486 |
| Pretax return on assets | 1.9135% | 770 |
| Return on Equity (ROE) | 19.3215% | 303 |
| Retained earnings to average equity (ytd only) | 4.1077% | 3,274 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6976% | 5,083 |
| Assets per employee ($millions) | 6.5451% | 1,221 |
| Cash dividends to net income (ytd only)* | 78.7402% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,550 |
| Loan loss allowance to noncurrent loans | 122.9765% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 1,970 |
| Noncurrent loans to loans | 1.1672% | 1,422 |
| Net loans and leases to total assets | 60.2632% | 3,680 |
| Net loans and leases to deposits | 82.8294% | 2,525 |
| Net loans and leases to core deposits | 101.4377% | 1,506 |
| Total domestic deposits to total assets | 72.7558% | 5,010 |
| Equity capital to assets | 10.0752% | 3,750 |
| Core capital (leverage) ratio | 9.7571% | 3,862 |
| Tier 1 risk-based capital ratio | 12.2494% | 4,324 |
| Total risk-based capital ratio | 13.3600% | 4,286 |
| Memoranda: | ||
| Average total assets | $269,042,500 | 2,380 |
| Average earning assets | $254,698,500 | 2,348 |
| Average equity | $26,292,000 | 2,618 |
| Average total loans | $162,979,000 | 2,534 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 2,619 |
| Cost of funding earning assets | 0.6910% | 2,147 |
| Net interest margin | 3.7530% | 2,845 |
| Noninterest income to average assets | 0.3820% | 3,543 |
| Noninterest expense to average assets | 1.7693% | 5,030 |
| Loan and lease loss provision to assets | 0.1926% | 990 |
| Net operating income to assets | 1.9383% | 405 |
| Return on assets (ROA) | 1.9387% | 402 |
| Pretax return on assets | 1.9725% | 593 |
| Return on Equity (ROE) | 20.3476% | 234 |
| Retained earnings to average equity (ytd only) | 14.8823% | 123 |
| Net charge-offs to loans | 0.0076% | 3,414 |
| Credit loss provision to net charge-offs | 4,454.5455% | 115 |
| Earnings coverage of net charge-offs (x) | 500.7273% | 210 |
| Efficiency ratio | 44.9750% | 5,153 |
| Assets per employee ($millions) | 6.7434% | 1,094 |
| Cash dividends to net income (ytd only)* | 26.8599% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 1,781 |
| Loan loss allowance to noncurrent loans | 114.6646% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 1,914 |
| Noncurrent loans to loans | 1.1879% | 1,349 |
| Net loans and leases to total assets | 59.1994% | 3,846 |
| Net loans and leases to deposits | 83.3917% | 2,581 |
| Net loans and leases to core deposits | 102.5700% | 1,537 |
| Total domestic deposits to total assets | 70.9896% | 5,120 |
| Equity capital to assets | 9.4712% | 4,151 |
| Core capital (leverage) ratio | 9.8500% | 3,745 |
| Tier 1 risk-based capital ratio | 12.2906% | 4,239 |
| Total risk-based capital ratio | 13.3450% | 4,257 |
| Memoranda: | ||
| Average total assets | $254,449,200 | 2,440 |
| Average earning assets | $240,821,400 | 2,404 |
| Average equity | $24,243,600 | 2,703 |
| Average total loans | $145,260,000 | 2,704 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,596 |
| Cost of funding earning assets | 0.6351% | 2,242 |
| Net interest margin | 3.7740% | 2,738 |
| Noninterest income to average assets | 0.3926% | 3,527 |
| Noninterest expense to average assets | 1.8029% | 5,033 |
| Loan and lease loss provision to assets | 0.1968% | 890 |
| Net operating income to assets | 1.9439% | 441 |
| Return on assets (ROA) | 1.9444% | 438 |
| Pretax return on assets | 1.9721% | 667 |
| Return on Equity (ROE) | 20.3749% | 247 |
| Retained earnings to average equity (ytd only) | 15.0791% | 173 |
| Net charge-offs to loans | 0.0104% | 3,056 |
| Credit loss provision to net charge-offs | 3,363.6364% | 127 |
| Earnings coverage of net charge-offs (x) | 370.4519% | 255 |
| Efficiency ratio | 45.3985% | 5,172 |
| Assets per employee ($millions) | 6.3544% | 1,258 |
| Cash dividends to net income (ytd only)* | 25.9919% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,811 |
| Loan loss allowance to noncurrent loans | 104.0939% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 1,914 |
| Noncurrent loans to loans | 1.3174% | 1,264 |
| Net loans and leases to total assets | 57.5563% | 4,086 |
| Net loans and leases to deposits | 80.2792% | 3,008 |
| Net loans and leases to core deposits | 94.8745% | 2,219 |
| Total domestic deposits to total assets | 71.6951% | 5,148 |
| Equity capital to assets | 9.6361% | 3,966 |
| Core capital (leverage) ratio | 9.6971% | 3,946 |
| Tier 1 risk-based capital ratio | 12.6666% | 4,101 |
| Total risk-based capital ratio | 13.7314% | 4,097 |
| Memoranda: | ||
| Average total assets | $250,628,000 | 2,483 |
| Average earning assets | $237,653,000 | 2,441 |
| Average equity | $23,917,750 | 2,743 |
| Average total loans | $141,103,500 | 2,770 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,519 |
| Cost of funding earning assets | 0.5787% | 2,370 |
| Net interest margin | 3.7880% | 2,603 |
| Noninterest income to average assets | 0.3704% | 3,683 |
| Noninterest expense to average assets | 1.7968% | 5,096 |
| Loan and lease loss provision to assets | 0.2022% | 844 |
| Net operating income to assets | 1.9319% | 431 |
| Return on assets (ROA) | 1.9319% | 432 |
| Pretax return on assets | 1.9602% | 664 |
| Return on Equity (ROE) | 20.3129% | 244 |
| Retained earnings to average equity (ytd only) | 14.3610% | 248 |
| Net charge-offs to loans | 0.0436% | 1,991 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 89.1333% | 753 |
| Efficiency ratio | 45.3840% | 5,236 |
| Assets per employee ($millions) | 6.1404% | 1,373 |
| Cash dividends to net income (ytd only)* | 29.3010% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,975 |
| Loan loss allowance to noncurrent loans | 245.7071% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 3,467 |
| Noncurrent loans to loans | 0.5467% | 2,781 |
| Net loans and leases to total assets | 56.7671% | 4,099 |
| Net loans and leases to deposits | 84.1091% | 2,522 |
| Net loans and leases to core deposits | 91.9102% | 2,413 |
| Total domestic deposits to total assets | 67.4922% | 5,351 |
| Equity capital to assets | 9.6300% | 3,981 |
| Core capital (leverage) ratio | 9.5254% | 4,089 |
| Tier 1 risk-based capital ratio | 12.7078% | 4,057 |
| Total risk-based capital ratio | 13.7475% | 4,082 |
| Memoranda: | ||
| Average total assets | $247,327,000 | 2,518 |
| Average earning assets | $234,321,330 | 2,477 |
| Average equity | $23,522,000 | 2,794 |
| Average total loans | $137,459,000 | 2,826 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,657 |
| Cost of funding earning assets | 0.5555% | 2,354 |
| Net interest margin | 3.7082% | 2,765 |
| Noninterest income to average assets | 0.3721% | 3,650 |
| Noninterest expense to average assets | 1.7004% | 5,245 |
| Loan and lease loss provision to assets | 0.1469% | 1,254 |
| Net operating income to assets | 1.9942% | 381 |
| Return on assets (ROA) | 1.9942% | 380 |
| Pretax return on assets | 2.0219% | 547 |
| Return on Equity (ROE) | 21.1044% | 190 |
| Retained earnings to average equity (ytd only) | 9.0152% | 1,455 |
| Net charge-offs to loans | -0.0030% | 3,872 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9477% | 5,347 |
| Assets per employee ($millions) | 5.8671% | 1,638 |
| Cash dividends to net income (ytd only)* | 57.2831% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,068 |
| Loan loss allowance to noncurrent loans | 807.5556% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,584 |
| Noncurrent loans to loans | 0.1656% | 4,233 |
| Net loans and leases to total assets | 54.3915% | 4,248 |
| Net loans and leases to deposits | 77.1445% | 3,099 |
| Net loans and leases to core deposits | 84.1168% | 2,971 |
| Total domestic deposits to total assets | 70.5061% | 5,352 |
| Equity capital to assets | 9.1893% | 4,375 |
| Core capital (leverage) ratio | 9.4551% | 4,114 |
| Tier 1 risk-based capital ratio | 11.1121% | 5,079 |
| Total risk-based capital ratio | 12.0049% | 5,157 |
| Memoranda: | ||
| Average total assets | $245,113,000 | 2,554 |
| Average earning assets | $231,161,000 | 2,521 |
| Average equity | $23,161,000 | 2,848 |
| Average total loans | $133,758,500 | 2,892 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 2,969 |
| Cost of funding earning assets | 0.5025% | 2,315 |
| Net interest margin | 3.6236% | 3,092 |
| Noninterest income to average assets | 0.3976% | 3,649 |
| Noninterest expense to average assets | 2.0825% | 4,799 |
| Loan and lease loss provision to assets | 0.0680% | 2,844 |
| Net operating income to assets | 1.4071% | 1,001 |
| Return on assets (ROA) | 1.4310% | 962 |
| Pretax return on assets | 1.6927% | 1,022 |
| Return on Equity (ROE) | 14.1737% | 735 |
| Retained earnings to average equity (ytd only) | -4.8201% | 5,426 |
| Net charge-offs to loans | 0.0057% | 3,884 |
| Credit loss provision to net charge-offs | 2,214.2857% | 174 |
| Earnings coverage of net charge-offs (x) | 564.5714% | 153 |
| Efficiency ratio | 53.7463% | 4,968 |
| Assets per employee ($millions) | 5.6753% | 1,769 |
| Cash dividends to net income (ytd only)* | 134.0074% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,166 |
| Loan loss allowance to noncurrent loans | 1,450.4202% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,836 |
| Noncurrent loans to loans | 0.0904% | 4,587 |
| Net loans and leases to total assets | 53.2470% | 4,420 |
| Net loans and leases to deposits | 77.5702% | 3,166 |
| Net loans and leases to core deposits | 84.7098% | 3,007 |
| Total domestic deposits to total assets | 68.6437% | 5,450 |
| Equity capital to assets | 9.8144% | 3,900 |
| Core capital (leverage) ratio | 9.5259% | 4,010 |
| Tier 1 risk-based capital ratio | 11.2346% | 5,021 |
| Total risk-based capital ratio | 12.1015% | 5,123 |
| Memoranda: | ||
| Average total assets | $228,096,400 | 2,652 |
| Average earning assets | $215,118,000 | 2,619 |
| Average equity | $23,028,600 | 2,859 |
| Average total loans | $123,846,800 | 3,001 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 2,989 |
| Cost of funding earning assets | 0.4827% | 2,410 |
| Net interest margin | 3.6157% | 3,085 |
| Noninterest income to average assets | 0.4159% | 3,586 |
| Noninterest expense to average assets | 2.1019% | 4,729 |
| Loan and lease loss provision to assets | 0.0565% | 2,957 |
| Net operating income to assets | 1.2892% | 1,377 |
| Return on assets (ROA) | 1.3190% | 1,308 |
| Pretax return on assets | 1.7140% | 1,088 |
| Return on Equity (ROE) | 12.9657% | 1,066 |
| Retained earnings to average equity (ytd only) | -11.2112% | 5,623 |
| Net charge-offs to loans | 0.0011% | 3,748 |
| Credit loss provision to net charge-offs | 9,500.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 2,918.2256% | 19 |
| Efficiency ratio | 53.6934% | 4,954 |
| Assets per employee ($millions) | 5.3220% | 2,096 |
| Cash dividends to net income (ytd only)* | 186.4679% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,257 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 4,366 |
| Noncurrent loans to loans | 0.0695% | 4,797 |
| Net loans and leases to total assets | 53.3310% | 4,470 |
| Net loans and leases to deposits | 74.5655% | 3,512 |
| Net loans and leases to core deposits | 80.2817% | 3,429 |
| Total domestic deposits to total assets | 71.5223% | 5,410 |
| Equity capital to assets | 9.8187% | 4,124 |
| Core capital (leverage) ratio | 9.3457% | 4,352 |
| Tier 1 risk-based capital ratio | 11.1796% | 5,138 |
| Total risk-based capital ratio | 12.0466% | 5,257 |
| Memoranda: | ||
| Average total assets | $224,110,500 | 2,711 |
| Average earning assets | $211,850,500 | 2,668 |
| Average equity | $22,798,000 | 2,900 |
| Average total loans | $121,891,000 | 3,053 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,179 |
| Cost of funding earning assets | 0.4377% | 2,723 |
| Net interest margin | 3.5699% | 3,149 |
| Noninterest income to average assets | 0.4222% | 3,545 |
| Noninterest expense to average assets | 2.1698% | 4,628 |
| Loan and lease loss provision to assets | 0.0553% | 2,870 |
| Net operating income to assets | 1.2167% | 1,547 |
| Return on assets (ROA) | 1.2167% | 1,585 |
| Pretax return on assets | 1.5737% | 1,423 |
| Return on Equity (ROE) | 11.8153% | 1,353 |
| Retained earnings to average equity (ytd only) | -22.3460% | 5,728 |
| Net charge-offs to loans | 0.0066% | 3,219 |
| Credit loss provision to net charge-offs | 1,525.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 449.5000% | 188 |
| Efficiency ratio | 55.6165% | 4,868 |
| Assets per employee ($millions) | 5.0085% | 2,379 |
| Cash dividends to net income (ytd only)* | 289.1288% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,318 |
| Loan loss allowance to noncurrent loans | 386.5248% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,752 |
| Noncurrent loans to loans | 0.3412% | 3,821 |
| Net loans and leases to total assets | 54.2836% | 4,369 |
| Net loans and leases to deposits | 77.2404% | 3,194 |
| Net loans and leases to core deposits | 79.7192% | 3,441 |
| Total domestic deposits to total assets | 70.2788% | 5,527 |
| Equity capital to assets | 9.9733% | 3,942 |
| Core capital (leverage) ratio | 9.2655% | 4,408 |
| Tier 1 risk-based capital ratio | 11.2922% | 5,092 |
| Total risk-based capital ratio | 12.1743% | 5,199 |
| Memoranda: | ||
| Average total assets | $220,758,670 | 2,758 |
| Average earning assets | $208,802,670 | 2,711 |
| Average equity | $22,733,330 | 2,908 |
| Average total loans | $120,336,330 | 3,085 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 3,698 |
| Cost of funding earning assets | 0.4445% | 2,575 |
| Net interest margin | 3.3738% | 3,739 |
| Noninterest income to average assets | 0.4138% | 3,568 |
| Noninterest expense to average assets | 2.0783% | 4,895 |
| Loan and lease loss provision to assets | 0.0549% | 2,708 |
| Net operating income to assets | 1.0950% | 1,895 |
| Return on assets (ROA) | 1.0950% | 1,934 |
| Pretax return on assets | 1.4631% | 1,653 |
| Return on Equity (ROE) | 10.4632% | 1,753 |
| Retained earnings to average equity (ytd only) | -55.2207% | 5,825 |
| Net charge-offs to loans | 0.0169% | 2,452 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 165.8000% | 329 |
| Efficiency ratio | 56.1609% | 4,922 |
| Assets per employee ($millions) | 5.1130% | 2,287 |
| Cash dividends to net income (ytd only)* | 627.7592% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 2,236 |
| Loan loss allowance to noncurrent loans | 162.4113% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 3,252 |
| Noncurrent loans to loans | 0.8402% | 2,355 |
| Net loans and leases to total assets | 52.7010% | 4,452 |
| Net loans and leases to deposits | 75.0136% | 3,301 |
| Net loans and leases to core deposits | 75.8782% | 3,660 |
| Total domestic deposits to total assets | 70.2553% | 5,619 |
| Equity capital to assets | 9.7116% | 4,056 |
| Core capital (leverage) ratio | 9.3290% | 4,306 |
| Tier 1 risk-based capital ratio | 11.8080% | 4,843 |
| Total risk-based capital ratio | 12.7410% | 4,938 |
| Memoranda: | ||
| Average total assets | $218,447,500 | 2,804 |
| Average earning assets | $206,060,000 | 2,765 |
| Average equity | $22,861,000 | 2,908 |
| Average total loans | $118,514,500 | 3,131 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,509 |
| Cost of funding earning assets | 0.4537% | 2,506 |
| Net interest margin | 3.4634% | 3,569 |
| Noninterest income to average assets | 0.4776% | 3,362 |
| Noninterest expense to average assets | 2.2795% | 4,600 |
| Loan and lease loss provision to assets | 0.0690% | 2,975 |
| Net operating income to assets | 1.0795% | 1,988 |
| Return on assets (ROA) | 1.0795% | 2,090 |
| Pretax return on assets | 1.4029% | 1,930 |
| Return on Equity (ROE) | 9.6333% | 2,134 |
| Retained earnings to average equity (ytd only) | 4.2952% | 2,844 |
| Net charge-offs to loans | 0.0348% | 3,332 |
| Credit loss provision to net charge-offs | 365.8537% | 848 |
| Earnings coverage of net charge-offs (x) | 78.0244% | 726 |
| Efficiency ratio | 59.2175% | 4,697 |
| Assets per employee ($millions) | 5.0473% | 2,334 |
| Cash dividends to net income (ytd only)* | 55.4135% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,430 |
| Loan loss allowance to noncurrent loans | 198.4906% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 3,625 |
| Noncurrent loans to loans | 0.6650% | 2,865 |
| Net loans and leases to total assets | 54.3597% | 4,413 |
| Net loans and leases to deposits | 79.7220% | 2,915 |
| Net loans and leases to core deposits | 80.8192% | 3,324 |
| Total domestic deposits to total assets | 68.1866% | 5,711 |
| Equity capital to assets | 11.2287% | 2,388 |
| Core capital (leverage) ratio | 10.7674% | 2,567 |
| Tier 1 risk-based capital ratio | 12.2819% | 4,514 |
| Total risk-based capital ratio | 13.1089% | 4,718 |
| Memoranda: | ||
| Average total assets | $217,329,200 | 2,785 |
| Average earning assets | $205,435,600 | 2,734 |
| Average equity | $24,353,000 | 2,772 |
| Average total loans | $117,714,600 | 3,098 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 3,513 |
| Cost of funding earning assets | 0.4539% | 2,523 |
| Net interest margin | 3.4681% | 3,597 |
| Noninterest income to average assets | 0.4048% | 3,887 |
| Noninterest expense to average assets | 2.1207% | 4,968 |
| Loan and lease loss provision to assets | 0.0613% | 3,009 |
| Net operating income to assets | 1.1652% | 1,747 |
| Return on assets (ROA) | 1.1652% | 1,851 |
| Pretax return on assets | 1.5075% | 1,684 |
| Return on Equity (ROE) | 10.4041% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.0234% | 2,175 |
| Net charge-offs to loans | 0.0102% | 3,573 |
| Credit loss provision to net charge-offs | 1,111.1111% | 370 |
| Earnings coverage of net charge-offs (x) | 284.2150% | 287 |
| Efficiency ratio | 55.9176% | 5,072 |
| Assets per employee ($millions) | 4.9423% | 2,430 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,631 |
| Loan loss allowance to noncurrent loans | 176.7574% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 3,327 |
| Noncurrent loans to loans | 0.7414% | 2,816 |
| Net loans and leases to total assets | 53.9920% | 4,490 |
| Net loans and leases to deposits | 78.9086% | 3,087 |
| Net loans and leases to core deposits | 79.9880% | 3,446 |
| Total domestic deposits to total assets | 68.4234% | 5,757 |
| Equity capital to assets | 11.3960% | 2,606 |
| Core capital (leverage) ratio | 10.8177% | 2,664 |
| Tier 1 risk-based capital ratio | 12.2193% | 4,660 |
| Total risk-based capital ratio | 13.0310% | 4,828 |
| Memoranda: | ||
| Average total assets | $217,403,000 | 2,791 |
| Average earning assets | $205,908,000 | 2,740 |
| Average equity | $24,348,750 | 2,791 |
| Average total loans | $117,254,000 | 3,113 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 3,827 |
| Cost of funding earning assets | 0.4551% | 2,521 |
| Net interest margin | 3.3803% | 3,968 |
| Noninterest income to average assets | 0.3947% | 3,911 |
| Noninterest expense to average assets | 2.0995% | 5,061 |
| Loan and lease loss provision to assets | 0.0920% | 2,312 |
| Net operating income to assets | 1.1197% | 1,890 |
| Return on assets (ROA) | 1.1197% | 2,003 |
| Pretax return on assets | 1.4012% | 2,022 |
| Return on Equity (ROE) | 10.0561% | 2,024 |
| Retained earnings to average equity (ytd only) | 8.4035% | 1,042 |
| Net charge-offs to loans | 0.0154% | 3,222 |
| Credit loss provision to net charge-offs | 1,111.1111% | 344 |
| Earnings coverage of net charge-offs (x) | 180.3333% | 359 |
| Efficiency ratio | 56.8246% | 5,048 |
| Assets per employee ($millions) | 4.7434% | 2,642 |
| Cash dividends to net income (ytd only)* | 16.4339% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,745 |
| Loan loss allowance to noncurrent loans | 152.9931% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 3,202 |
| Noncurrent loans to loans | 0.8544% | 2,605 |
| Net loans and leases to total assets | 55.1414% | 4,400 |
| Net loans and leases to deposits | 80.2122% | 2,906 |
| Net loans and leases to core deposits | 81.1843% | 3,344 |
| Total domestic deposits to total assets | 68.7444% | 5,821 |
| Equity capital to assets | 11.6119% | 2,432 |
| Core capital (leverage) ratio | 10.7762% | 2,673 |
| Tier 1 risk-based capital ratio | 12.1437% | 4,740 |
| Total risk-based capital ratio | 12.9539% | 4,924 |
| Memoranda: | ||
| Average total assets | $217,383,330 | 2,799 |
| Average earning assets | $205,662,330 | 2,754 |
| Average equity | $24,204,330 | 2,813 |
| Average total loans | $116,681,670 | 3,131 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7759% | 4,034 |
| Cost of funding earning assets | 0.4560% | 2,517 |
| Net interest margin | 3.3199% | 4,146 |
| Noninterest income to average assets | 0.3830% | 3,965 |
| Noninterest expense to average assets | 2.0242% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1197% | 1,834 |
| Return on assets (ROA) | 1.1197% | 1,933 |
| Pretax return on assets | 1.4917% | 1,623 |
| Return on Equity (ROE) | 10.2703% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.2703% | 791 |
| Net charge-offs to loans | -0.0035% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9129% | 5,197 |
| Assets per employee ($millions) | 4.7970% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,879 |
| Loan loss allowance to noncurrent loans | 264.8649% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,050 |
| Noncurrent loans to loans | 0.4920% | 3,702 |
| Net loans and leases to total assets | 51.5785% | 4,668 |
| Net loans and leases to deposits | 74.5326% | 3,368 |
| Net loans and leases to core deposits | 75.2921% | 3,749 |
| Total domestic deposits to total assets | 69.2027% | 5,896 |
| Equity capital to assets | 11.2414% | 2,691 |
| Core capital (leverage) ratio | 10.6946% | 2,738 |
| Tier 1 risk-based capital ratio | 12.0285% | 4,897 |
| Total risk-based capital ratio | 12.7991% | 5,111 |
| Memoranda: | ||
| Average total assets | $219,348,500 | 2,786 |
| Average earning assets | $206,995,000 | 2,752 |
| Average equity | $23,913,500 | 2,843 |
| Average total loans | $115,392,500 | 3,150 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 4,613 |
| Cost of funding earning assets | 0.4819% | 2,341 |
| Net interest margin | 3.1409% | 4,804 |
| Noninterest income to average assets | 0.4172% | 3,911 |
| Noninterest expense to average assets | 2.0090% | 5,433 |
| Loan and lease loss provision to assets | 0.0908% | 2,486 |
| Net operating income to assets | 0.9591% | 2,579 |
| Return on assets (ROA) | 0.9591% | 2,655 |
| Pretax return on assets | 1.2846% | 2,335 |
| Return on Equity (ROE) | 9.1601% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.8250% | 2,547 |
| Net charge-offs to loans | 0.0120% | 4,060 |
| Credit loss provision to net charge-offs | 1,538.4615% | 224 |
| Earnings coverage of net charge-offs (x) | 233.0769% | 306 |
| Efficiency ratio | 57.6717% | 5,177 |
| Assets per employee ($millions) | 5.4350% | 1,871 |
| Cash dividends to net income (ytd only)* | 47.3261% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,211 |
| Loan loss allowance to noncurrent loans | 262.3214% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,094 |
| Noncurrent loans to loans | 0.4747% | 3,765 |
| Net loans and leases to total assets | 52.2842% | 4,669 |
| Net loans and leases to deposits | 79.1843% | 2,921 |
| Net loans and leases to core deposits | 80.0032% | 3,346 |
| Total domestic deposits to total assets | 66.0285% | 6,017 |
| Equity capital to assets | 10.5733% | 3,282 |
| Core capital (leverage) ratio | 9.9552% | 3,571 |
| Tier 1 risk-based capital ratio | 11.4839% | 5,267 |
| Total risk-based capital ratio | 12.2386% | 5,427 |
| Memoranda: | ||
| Average total assets | $220,304,400 | 2,739 |
| Average earning assets | $208,128,200 | 2,691 |
| Average equity | $23,067,400 | 2,871 |
| Average total loans | $107,918,600 | 3,242 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5658% | 4,831 |
| Cost of funding earning assets | 0.4822% | 2,385 |
| Net interest margin | 3.0836% | 5,006 |
| Noninterest income to average assets | 0.4261% | 3,894 |
| Noninterest expense to average assets | 1.9428% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0664% | 2,145 |
| Return on assets (ROA) | 1.0664% | 2,236 |
| Pretax return on assets | 1.4021% | 2,003 |
| Return on Equity (ROE) | 10.2101% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.1423% | 2,155 |
| Net charge-offs to loans | 0.0089% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 330.1093% | 225 |
| Efficiency ratio | 56.3782% | 5,301 |
| Assets per employee ($millions) | 5.4635% | 1,815 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,902 |
| Loan loss allowance to noncurrent loans | 219.6213% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 4,233 |
| Noncurrent loans to loans | 0.5256% | 3,766 |
| Net loans and leases to total assets | 48.7784% | 5,028 |
| Net loans and leases to deposits | 73.3780% | 3,609 |
| Net loans and leases to core deposits | 74.1277% | 4,005 |
| Total domestic deposits to total assets | 66.4754% | 6,080 |
| Equity capital to assets | 10.5016% | 3,603 |
| Core capital (leverage) ratio | 10.1123% | 3,484 |
| Tier 1 risk-based capital ratio | 11.5577% | 5,340 |
| Total risk-based capital ratio | 12.2195% | 5,577 |
| Memoranda: | ||
| Average total assets | $219,672,000 | 2,773 |
| Average earning assets | $207,935,500 | 2,721 |
| Average equity | $22,944,000 | 2,904 |
| Average total loans | $105,404,250 | 3,317 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5255% | 4,922 |
| Cost of funding earning assets | 0.4858% | 2,382 |
| Net interest margin | 3.0397% | 5,118 |
| Noninterest income to average assets | 0.4234% | 3,900 |
| Noninterest expense to average assets | 1.8934% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0640% | 2,082 |
| Return on assets (ROA) | 1.0640% | 2,193 |
| Pretax return on assets | 1.4031% | 1,969 |
| Return on Equity (ROE) | 10.2063% | 1,976 |
| Retained earnings to average equity (ytd only) | 6.6899% | 1,852 |
| Net charge-offs to loans | 0.0135% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 218.7143% | 320 |
| Efficiency ratio | 55.6853% | 5,458 |
| Assets per employee ($millions) | 5.6114% | 1,646 |
| Cash dividends to net income (ytd only)* | 34.4531% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,812 |
| Loan loss allowance to noncurrent loans | 176.1050% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,004 |
| Noncurrent loans to loans | 0.6795% | 3,447 |
| Net loans and leases to total assets | 48.1044% | 5,097 |
| Net loans and leases to deposits | 70.1149% | 3,923 |
| Net loans and leases to core deposits | 70.8248% | 4,244 |
| Total domestic deposits to total assets | 68.6079% | 6,094 |
| Equity capital to assets | 10.5065% | 3,432 |
| Core capital (leverage) ratio | 10.0336% | 3,547 |
| Tier 1 risk-based capital ratio | 11.4237% | 5,516 |
| Total risk-based capital ratio | 12.0865% | 5,721 |
| Memoranda: | ||
| Average total assets | $218,228,330 | 2,802 |
| Average earning assets | $206,268,330 | 2,743 |
| Average equity | $22,750,670 | 2,932 |
| Average total loans | $103,692,000 | 3,367 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 4,923 |
| Cost of funding earning assets | 0.4850% | 2,418 |
| Net interest margin | 3.0270% | 5,130 |
| Noninterest income to average assets | 0.4075% | 3,941 |
| Noninterest expense to average assets | 1.8209% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0885% | 1,908 |
| Return on assets (ROA) | 1.0885% | 2,022 |
| Pretax return on assets | 1.4391% | 1,748 |
| Return on Equity (ROE) | 10.4819% | 1,801 |
| Retained earnings to average equity (ytd only) | 6.9467% | 2,036 |
| Net charge-offs to loans | 0.0274% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 448 |
| Efficiency ratio | 54.1104% | 5,672 |
| Assets per employee ($millions) | 5.4830% | 1,805 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 3,582 |
| Loan loss allowance to noncurrent loans | 193.7690% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 4,289 |
| Noncurrent loans to loans | 0.6553% | 3,633 |
| Net loans and leases to total assets | 45.2024% | 5,254 |
| Net loans and leases to deposits | 63.5591% | 4,418 |
| Net loans and leases to core deposits | 64.2849% | 4,668 |
| Total domestic deposits to total assets | 71.1186% | 6,082 |
| Equity capital to assets | 10.4437% | 3,594 |
| Core capital (leverage) ratio | 10.0714% | 3,508 |
| Tier 1 risk-based capital ratio | 11.7172% | 5,428 |
| Total risk-based capital ratio | 12.4090% | 5,646 |
| Memoranda: | ||
| Average total assets | $217,920,000 | 2,823 |
| Average earning assets | $205,350,500 | 2,779 |
| Average equity | $22,629,500 | 2,964 |
| Average total loans | $102,263,500 | 3,410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 5,339 |
| Cost of funding earning assets | 0.5379% | 2,308 |
| Net interest margin | 2.9516% | 5,549 |
| Noninterest income to average assets | 0.6816% | 2,385 |
| Noninterest expense to average assets | 2.1155% | 5,535 |
| Loan and lease loss provision to assets | 0.0932% | 2,604 |
| Net operating income to assets | 0.9364% | 2,692 |
| Return on assets (ROA) | 0.9364% | 2,785 |
| Pretax return on assets | 1.2541% | 2,422 |
| Return on Equity (ROE) | 9.2111% | 2,478 |
| Retained earnings to average equity (ytd only) | 5.6595% | 2,161 |
| Net charge-offs to loans | 0.0426% | 3,967 |
| Credit loss provision to net charge-offs | 454.5455% | 575 |
| Earnings coverage of net charge-offs (x) | 65.7273% | 740 |
| Efficiency ratio | 59.4107% | 5,295 |
| Assets per employee ($millions) | 5.4131% | 1,846 |
| Cash dividends to net income (ytd only)* | 38.5572% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 3,815 |
| Loan loss allowance to noncurrent loans | 320.5000% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 4,546 |
| Noncurrent loans to loans | 0.3842% | 4,488 |
| Net loans and leases to total assets | 47.4931% | 5,204 |
| Net loans and leases to deposits | 70.1707% | 3,889 |
| Net loans and leases to core deposits | 71.0236% | 4,217 |
| Total domestic deposits to total assets | 67.6823% | 6,279 |
| Equity capital to assets | 10.3241% | 3,693 |
| Core capital (leverage) ratio | 9.6672% | 4,020 |
| Tier 1 risk-based capital ratio | 11.9670% | 5,384 |
| Total risk-based capital ratio | 12.6978% | 5,610 |
| Memoranda: | ||
| Average total assets | $214,648,800 | 2,835 |
| Average earning assets | $202,262,200 | 2,783 |
| Average equity | $21,821,600 | 2,968 |
| Average total loans | $103,308,000 | 3,354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4531% | 5,491 |
| Cost of funding earning assets | 0.5424% | 2,353 |
| Net interest margin | 2.9108% | 5,678 |
| Noninterest income to average assets | 0.7862% | 1,943 |
| Noninterest expense to average assets | 2.0381% | 5,702 |
| Loan and lease loss provision to assets | 0.1245% | 2,007 |
| Net operating income to assets | 1.0066% | 2,422 |
| Return on assets (ROA) | 1.0066% | 2,489 |
| Pretax return on assets | 1.3733% | 2,105 |
| Return on Equity (ROE) | 9.9405% | 2,250 |
| Retained earnings to average equity (ytd only) | 6.2520% | 2,249 |
| Net charge-offs to loans | -0.0026% | 5,209 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9859% | 5,664 |
| Assets per employee ($millions) | 5.1676% | 2,050 |
| Cash dividends to net income (ytd only)* | 37.1057% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,745 |
| Loan loss allowance to noncurrent loans | 217.3486% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 4,414 |
| Noncurrent loans to loans | 0.5896% | 4,157 |
| Net loans and leases to total assets | 47.1344% | 5,280 |
| Net loans and leases to deposits | 65.6879% | 4,365 |
| Net loans and leases to core deposits | 66.4383% | 4,665 |
| Total domestic deposits to total assets | 71.7551% | 6,182 |
| Equity capital to assets | 10.2220% | 3,904 |
| Core capital (leverage) ratio | 9.4127% | 4,494 |
| Tier 1 risk-based capital ratio | 11.7305% | 5,659 |
| Total risk-based capital ratio | 12.4814% | 5,848 |
| Memoranda: | ||
| Average total assets | $214,180,500 | 2,864 |
| Average earning assets | $202,323,000 | 2,800 |
| Average equity | $21,688,500 | 2,987 |
| Average total loans | $103,106,250 | 3,386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 5,745 |
| Cost of funding earning assets | 0.5532% | 2,318 |
| Net interest margin | 2.7829% | 5,941 |
| Noninterest income to average assets | 0.9971% | 1,210 |
| Noninterest expense to average assets | 1.9322% | 5,945 |
| Loan and lease loss provision to assets | 0.1876% | 1,299 |
| Net operating income to assets | 1.0852% | 1,990 |
| Return on assets (ROA) | 1.0852% | 2,052 |
| Pretax return on assets | 1.4961% | 1,545 |
| Return on Equity (ROE) | 10.7515% | 1,827 |
| Retained earnings to average equity (ytd only) | 9.1253% | 949 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8029% | 6,081 |
| Assets per employee ($millions) | 5.4486% | 1,742 |
| Cash dividends to net income (ytd only)* | 15.1253% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,014 |
| Loan loss allowance to noncurrent loans | 121.5399% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 3,772 |
| Noncurrent loans to loans | 1.0472% | 3,136 |
| Net loans and leases to total assets | 47.1944% | 5,245 |
| Net loans and leases to deposits | 65.6482% | 4,306 |
| Net loans and leases to core deposits | 66.3936% | 4,604 |
| Total domestic deposits to total assets | 71.8899% | 6,259 |
| Equity capital to assets | 10.1563% | 3,896 |
| Core capital (leverage) ratio | 9.6037% | 4,170 |
| Tier 1 risk-based capital ratio | 11.8866% | 5,604 |
| Total risk-based capital ratio | 12.6488% | 5,805 |
| Memoranda: | ||
| Average total assets | $213,227,000 | 2,882 |
| Average earning assets | $200,655,670 | 2,829 |
| Average equity | $21,522,670 | 2,995 |
| Average total loans | $102,932,000 | 3,395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 5,913 |
| Cost of funding earning assets | 0.5661% | 2,282 |
| Net interest margin | 2.6967% | 6,117 |
| Noninterest income to average assets | 1.6465% | 455 |
| Noninterest expense to average assets | 1.9045% | 6,057 |
| Loan and lease loss provision to assets | 0.3794% | 446 |
| Net operating income to assets | 1.2178% | 1,432 |
| Return on assets (ROA) | 1.2178% | 1,490 |
| Pretax return on assets | 1.8836% | 672 |
| Return on Equity (ROE) | 12.1038% | 1,385 |
| Retained earnings to average equity (ytd only) | 8.8045% | 1,310 |
| Net charge-offs to loans | 0.0078% | 3,481 |
| Credit loss provision to net charge-offs | 10,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 596.5000% | 57 |
| Efficiency ratio | 44.2421% | 6,491 |
| Assets per employee ($millions) | 5.4694% | 1,736 |
| Cash dividends to net income (ytd only)* | 27.2586% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 3,933 |
| Loan loss allowance to noncurrent loans | 116.2281% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 3,710 |
| Noncurrent loans to loans | 1.1473% | 3,129 |
| Net loans and leases to total assets | 45.9600% | 5,335 |
| Net loans and leases to deposits | 62.7316% | 4,465 |
| Net loans and leases to core deposits | 63.4453% | 4,737 |
| Total domestic deposits to total assets | 73.2646% | 6,292 |
| Equity capital to assets | 10.0874% | 3,739 |
| Core capital (leverage) ratio | 9.7687% | 3,905 |
| Tier 1 risk-based capital ratio | 11.6210% | 5,847 |
| Total risk-based capital ratio | 12.3859% | 6,054 |
| Memoranda: | ||
| Average total assets | $210,869,000 | 2,920 |
| Average earning assets | $197,128,000 | 2,880 |
| Average equity | $21,216,500 | 3,025 |
| Average total loans | $102,306,500 | 3,420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 5,422 |
| Cost of funding earning assets | 0.6486% | 2,214 |
| Net interest margin | 2.9443% | 5,697 |
| Noninterest income to average assets | 0.5669% | 3,289 |
| Noninterest expense to average assets | 2.1607% | 5,714 |
| Loan and lease loss provision to assets | 0.0362% | 4,397 |
| Net operating income to assets | 0.8480% | 3,043 |
| Return on assets (ROA) | 0.8480% | 3,119 |
| Pretax return on assets | 1.1208% | 2,884 |
| Return on Equity (ROE) | 8.5394% | 2,766 |
| Retained earnings to average equity (ytd only) | 4.6557% | 2,848 |
| Net charge-offs to loans | -0.0050% | 5,933 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2956% | 5,010 |
| Assets per employee ($millions) | 5.3444% | 1,803 |
| Cash dividends to net income (ytd only)* | 45.4804% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 5,275 |
| Loan loss allowance to noncurrent loans | 94.3839% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 3,747 |
| Noncurrent loans to loans | 1.1335% | 3,278 |
| Net loans and leases to total assets | 49.9571% | 5,085 |
| Net loans and leases to deposits | 72.6540% | 3,434 |
| Net loans and leases to core deposits | 73.5558% | 3,889 |
| Total domestic deposits to total assets | 68.7602% | 6,564 |
| Equity capital to assets | 10.0349% | 3,720 |
| Core capital (leverage) ratio | 9.4399% | 4,353 |
| Tier 1 risk-based capital ratio | 11.4644% | 5,922 |
| Total risk-based capital ratio | 12.1218% | 6,178 |
| Memoranda: | ||
| Average total assets | $207,436,800 | 2,942 |
| Average earning assets | $193,799,000 | 2,907 |
| Average equity | $20,598,600 | 3,091 |
| Average total loans | $99,993,800 | 3,443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 5,388 |
| Cost of funding earning assets | 0.6626% | 2,237 |
| Net interest margin | 2.9566% | 5,686 |
| Noninterest income to average assets | 0.5863% | 3,239 |
| Noninterest expense to average assets | 2.0477% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9679% | 2,511 |
| Return on assets (ROA) | 0.9679% | 2,611 |
| Pretax return on assets | 1.3038% | 2,316 |
| Return on Equity (ROE) | 9.7727% | 2,275 |
| Retained earnings to average equity (ytd only) | 5.7116% | 2,587 |
| Net charge-offs to loans | -0.0054% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2934% | 5,525 |
| Assets per employee ($millions) | 5.4295% | 1,696 |
| Cash dividends to net income (ytd only)* | 41.5558% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 5,621 |
| Loan loss allowance to noncurrent loans | 69.0789% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9969% | 3,664 |
| Noncurrent loans to loans | 1.4822% | 2,945 |
| Net loans and leases to total assets | 47.9325% | 5,352 |
| Net loans and leases to deposits | 70.7796% | 3,672 |
| Net loans and leases to core deposits | 71.6571% | 4,133 |
| Total domestic deposits to total assets | 67.7207% | 6,668 |
| Equity capital to assets | 9.8275% | 4,139 |
| Core capital (leverage) ratio | 9.3317% | 4,647 |
| Tier 1 risk-based capital ratio | 10.7598% | 6,375 |
| Total risk-based capital ratio | 11.3798% | 6,535 |
| Memoranda: | ||
| Average total assets | $207,187,750 | 2,957 |
| Average earning assets | $193,774,000 | 2,931 |
| Average equity | $20,519,250 | 3,138 |
| Average total loans | $98,679,000 | 3,512 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 5,652 |
| Cost of funding earning assets | 0.6780% | 2,241 |
| Net interest margin | 2.8441% | 5,914 |
| Noninterest income to average assets | 0.4989% | 3,848 |
| Noninterest expense to average assets | 2.0120% | 6,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8587% | 2,998 |
| Return on assets (ROA) | 0.8587% | 3,149 |
| Pretax return on assets | 1.1426% | 2,920 |
| Return on Equity (ROE) | 8.6474% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.2198% | 2,911 |
| Net charge-offs to loans | -0.0062% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8372% | 5,193 |
| Assets per employee ($millions) | 5.0042% | 2,111 |
| Cash dividends to net income (ytd only)* | 39.6376% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 5,525 |
| Loan loss allowance to noncurrent loans | 55.4147% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 3,423 |
| Noncurrent loans to loans | 1.9479% | 2,456 |
| Net loans and leases to total assets | 46.8541% | 5,441 |
| Net loans and leases to deposits | 65.5869% | 4,316 |
| Net loans and leases to core deposits | 66.3817% | 4,654 |
| Total domestic deposits to total assets | 71.4382% | 6,591 |
| Equity capital to assets | 9.9258% | 4,007 |
| Core capital (leverage) ratio | 9.1846% | 4,718 |
| Tier 1 risk-based capital ratio | 13.2036% | 4,990 |
| Total risk-based capital ratio | 13.9787% | 5,276 |
| Memoranda: | ||
| Average total assets | $205,666,330 | 2,994 |
| Average earning assets | $192,045,670 | 2,967 |
| Average equity | $20,422,330 | 3,165 |
| Average total loans | $97,389,330 | 3,555 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 5,597 |
| Cost of funding earning assets | 0.6960% | 2,253 |
| Net interest margin | 2.8467% | 5,925 |
| Noninterest income to average assets | 0.5828% | 3,231 |
| Noninterest expense to average assets | 2.0300% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9052% | 2,627 |
| Return on assets (ROA) | 0.9052% | 2,776 |
| Pretax return on assets | 1.1986% | 2,578 |
| Return on Equity (ROE) | 9.1145% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.1145% | 1,348 |
| Net charge-offs to loans | -0.0041% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0108% | 5,443 |
| Assets per employee ($millions) | 5.1522% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,585 |
| Loan loss allowance to noncurrent loans | 54.3614% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 3,491 |
| Noncurrent loans to loans | 2.0340% | 2,585 |
| Net loans and leases to total assets | 45.4377% | 5,497 |
| Net loans and leases to deposits | 63.7836% | 4,342 |
| Net loans and leases to core deposits | 64.4975% | 4,695 |
| Total domestic deposits to total assets | 71.2372% | 6,694 |
| Equity capital to assets | 10.0427% | 4,095 |
| Core capital (leverage) ratio | 9.4391% | 4,184 |
| Tier 1 risk-based capital ratio | 13.3907% | 4,944 |
| Total risk-based capital ratio | 14.1795% | 5,231 |
| Memoranda: | ||
| Average total assets | $205,913,000 | 3,027 |
| Average earning assets | $191,380,500 | 2,997 |
| Average equity | $20,451,000 | 3,201 |
| Average total loans | $97,493,500 | 3,572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 4,978 |
| Cost of funding earning assets | 0.8208% | 2,506 |
| Net interest margin | 3.2714% | 5,353 |
| Noninterest income to average assets | 0.3887% | 4,694 |
| Noninterest expense to average assets | 2.2654% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8418% | 3,083 |
| Return on assets (ROA) | 0.8418% | 3,340 |
| Pretax return on assets | 1.1549% | 2,970 |
| Return on Equity (ROE) | 8.6361% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.6361% | 933 |
| Net charge-offs to loans | -0.0355% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3773% | 4,818 |
| Assets per employee ($millions) | 5.0180% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 5,795 |
| Loan loss allowance to noncurrent loans | 48.3364% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 3,365 |
| Noncurrent loans to loans | 2.1576% | 2,514 |
| Net loans and leases to total assets | 48.2422% | 5,384 |
| Net loans and leases to deposits | 70.0888% | 3,696 |
| Net loans and leases to core deposits | 70.9024% | 4,181 |
| Total domestic deposits to total assets | 68.8301% | 6,830 |
| Equity capital to assets | 9.8208% | 4,421 |
| Core capital (leverage) ratio | 9.4149% | 4,238 |
| Tier 1 risk-based capital ratio | 12.7511% | 5,292 |
| Total risk-based capital ratio | 13.5216% | 5,571 |
| Memoranda: | ||
| Average total assets | $198,375,400 | 3,066 |
| Average earning assets | $183,838,400 | 3,043 |
| Average equity | $19,337,400 | 3,284 |
| Average total loans | $95,840,000 | 3,622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 4,908 |
| Cost of funding earning assets | 0.8448% | 2,588 |
| Net interest margin | 3.3281% | 5,282 |
| Noninterest income to average assets | 0.3948% | 4,677 |
| Noninterest expense to average assets | 2.2496% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8846% | 3,056 |
| Return on assets (ROA) | 0.8846% | 3,293 |
| Pretax return on assets | 1.2374% | 2,836 |
| Return on Equity (ROE) | 9.0930% | 2,751 |
| Retained earnings to average equity (ytd only) | 9.0930% | 1,187 |
| Net charge-offs to loans | -0.0450% | 6,681 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6848% | 5,038 |
| Assets per employee ($millions) | 4.8699% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,626 |
| Loan loss allowance to noncurrent loans | 50.8772% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 3,564 |
| Noncurrent loans to loans | 2.2063% | 2,612 |
| Net loans and leases to total assets | 47.2104% | 5,637 |
| Net loans and leases to deposits | 66.5603% | 4,396 |
| Net loans and leases to core deposits | 67.3519% | 4,801 |
| Total domestic deposits to total assets | 70.9288% | 6,799 |
| Equity capital to assets | 10.1836% | 4,229 |
| Core capital (leverage) ratio | 9.2907% | 4,598 |
| Tier 1 risk-based capital ratio | 12.9009% | 5,330 |
| Total risk-based capital ratio | 13.6962% | 5,651 |
| Memoranda: | ||
| Average total assets | $196,535,000 | 3,120 |
| Average earning assets | $182,599,500 | 3,081 |
| Average equity | $19,120,500 | 3,338 |
| Average total loans | $94,725,500 | 3,687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 5,024 |
| Cost of funding earning assets | 0.8621% | 2,714 |
| Net interest margin | 3.3181% | 5,400 |
| Noninterest income to average assets | 0.3927% | 4,707 |
| Noninterest expense to average assets | 2.2160% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8685% | 3,049 |
| Return on assets (ROA) | 0.8685% | 3,315 |
| Pretax return on assets | 1.2500% | 2,727 |
| Return on Equity (ROE) | 9.0670% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.0670% | 1,253 |
| Net charge-offs to loans | -0.0818% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0902% | 5,234 |
| Assets per employee ($millions) | 4.9747% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,625 |
| Loan loss allowance to noncurrent loans | 56.2032% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 3,835 |
| Noncurrent loans to loans | 2.0176% | 2,931 |
| Net loans and leases to total assets | 47.2309% | 5,690 |
| Net loans and leases to deposits | 66.4916% | 4,447 |
| Net loans and leases to core deposits | 66.6705% | 4,929 |
| Total domestic deposits to total assets | 71.0329% | 6,856 |
| Equity capital to assets | 9.9401% | 4,436 |
| Core capital (leverage) ratio | 8.8548% | 5,119 |
| Tier 1 risk-based capital ratio | 12.8609% | 5,285 |
| Total risk-based capital ratio | 13.6803% | 5,596 |
| Memoranda: | ||
| Average total assets | $197,115,330 | 3,122 |
| Average earning assets | $182,574,000 | 3,091 |
| Average equity | $18,881,670 | 3,368 |
| Average total loans | $95,298,330 | 3,684 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 4,283 |
| Cost of funding earning assets | 0.8841% | 2,805 |
| Net interest margin | 3.5276% | 4,574 |
| Noninterest income to average assets | 0.3705% | 4,903 |
| Noninterest expense to average assets | 2.3235% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9503% | 2,692 |
| Return on assets (ROA) | 0.9503% | 2,905 |
| Pretax return on assets | 1.3007% | 2,534 |
| Return on Equity (ROE) | 10.1071% | 2,363 |
| Retained earnings to average equity (ytd only) | 10.1071% | 1,241 |
| Net charge-offs to loans | 0.0124% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 215.3333% | 167 |
| Efficiency ratio | 62.3333% | 5,208 |
| Assets per employee ($millions) | 5.3303% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,955 |
| Loan loss allowance to noncurrent loans | 51.2964% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 3,970 |
| Noncurrent loans to loans | 2.1118% | 3,015 |
| Net loans and leases to total assets | 45.4873% | 5,844 |
| Net loans and leases to deposits | 64.4350% | 4,572 |
| Net loans and leases to core deposits | 64.7161% | 5,039 |
| Total domestic deposits to total assets | 70.5941% | 6,954 |
| Equity capital to assets | 9.3458% | 5,036 |
| Core capital (leverage) ratio | 8.8810% | 5,016 |
| Tier 1 risk-based capital ratio | 12.5965% | 5,522 |
| Total risk-based capital ratio | 13.3877% | 5,849 |
| Memoranda: | ||
| Average total assets | $198,666,500 | 3,120 |
| Average earning assets | $183,242,500 | 3,107 |
| Average equity | $18,680,000 | 3,393 |
| Average total loans | $96,605,000 | 3,671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 5,258 |
| Cost of funding earning assets | 1.0952% | 2,702 |
| Net interest margin | 3.3514% | 5,644 |
| Noninterest income to average assets | 0.3822% | 4,771 |
| Noninterest expense to average assets | 2.1234% | 6,444 |
| Loan and lease loss provision to assets | 0.1308% | 4,981 |
| Net operating income to assets | 0.9612% | 2,353 |
| Return on assets (ROA) | 0.9587% | 2,501 |
| Pretax return on assets | 1.2255% | 2,367 |
| Return on Equity (ROE) | 10.2204% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.8343% | 1,581 |
| Net charge-offs to loans | 0.1434% | 5,000 |
| Credit loss provision to net charge-offs | 177.6978% | 1,477 |
| Earnings coverage of net charge-offs (x) | 18.4748% | 1,218 |
| Efficiency ratio | 59.1123% | 5,885 |
| Assets per employee ($millions) | 5.2644% | 1,870 |
| Cash dividends to net income (ytd only)* | 33.1309% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,164 |
| Loan loss allowance to noncurrent loans | 53.2632% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 4,025 |
| Noncurrent loans to loans | 1.8987% | 3,343 |
| Net loans and leases to total assets | 50.8538% | 5,483 |
| Net loans and leases to deposits | 75.5025% | 3,259 |
| Net loans and leases to core deposits | 75.8604% | 4,001 |
| Total domestic deposits to total assets | 67.3538% | 7,096 |
| Equity capital to assets | 9.4619% | 4,943 |
| Core capital (leverage) ratio | 8.6509% | 5,316 |
| Tier 1 risk-based capital ratio | 12.0066% | 5,831 |
| Total risk-based capital ratio | 12.7856% | 6,127 |
| Memoranda: | ||
| Average total assets | $188,895,800 | 3,197 |
| Average earning assets | $174,762,400 | 3,164 |
| Average equity | $17,719,400 | 3,468 |
| Average total loans | $96,958,400 | 3,701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 5,616 |
| Cost of funding earning assets | 1.1197% | 2,834 |
| Net interest margin | 3.2758% | 5,930 |
| Noninterest income to average assets | 0.3785% | 4,832 |
| Noninterest expense to average assets | 2.0644% | 6,562 |
| Loan and lease loss provision to assets | 0.0334% | 6,023 |
| Net operating income to assets | 1.0020% | 2,312 |
| Return on assets (ROA) | 0.9988% | 2,479 |
| Pretax return on assets | 1.3232% | 2,209 |
| Return on Equity (ROE) | 10.6714% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.1110% | 2,488 |
| Net charge-offs to loans | -0.2551% | 7,287 |
| Credit loss provision to net charge-offs | -25.5435% | 6,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4008% | 5,952 |
| Assets per employee ($millions) | 5.4158% | 1,686 |
| Cash dividends to net income (ytd only)* | 42.7351% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,574 |
| Loan loss allowance to noncurrent loans | 43.5033% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 1.6746% | 3,577 |
| Noncurrent loans to loans | 2.6970% | 2,590 |
| Net loans and leases to total assets | 49.0355% | 5,830 |
| Net loans and leases to deposits | 72.1391% | 3,965 |
| Net loans and leases to core deposits | 72.4781% | 4,652 |
| Total domestic deposits to total assets | 67.9736% | 7,144 |
| Equity capital to assets | 9.2626% | 5,435 |
| Core capital (leverage) ratio | 8.5873% | 5,576 |
| Tier 1 risk-based capital ratio | 12.2680% | 5,688 |
| Total risk-based capital ratio | 13.1777% | 5,922 |
| Memoranda: | ||
| Average total assets | $187,424,250 | 3,241 |
| Average earning assets | $174,326,500 | 3,178 |
| Average equity | $17,541,750 | 3,503 |
| Average total loans | $96,181,500 | 3,751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 5,322 |
| Cost of funding earning assets | 1.1666% | 2,792 |
| Net interest margin | 3.3426% | 5,732 |
| Noninterest income to average assets | 0.3764% | 4,871 |
| Noninterest expense to average assets | 2.0496% | 6,694 |
| Loan and lease loss provision to assets | 0.0508% | 5,678 |
| Net operating income to assets | 1.0481% | 2,042 |
| Return on assets (ROA) | 1.0481% | 2,139 |
| Pretax return on assets | 1.3780% | 1,865 |
| Return on Equity (ROE) | 11.1576% | 1,742 |
| Retained earnings to average equity (ytd only) | 5.9761% | 2,450 |
| Net charge-offs to loans | -0.4479% | 7,391 |
| Credit loss provision to net charge-offs | -21.8605% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7786% | 6,324 |
| Assets per employee ($millions) | 5.2158% | 1,855 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,325 |
| Loan loss allowance to noncurrent loans | 48.8479% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 3,708 |
| Noncurrent loans to loans | 2.5535% | 2,827 |
| Net loans and leases to total assets | 49.1641% | 5,925 |
| Net loans and leases to deposits | 72.6281% | 4,019 |
| Net loans and leases to core deposits | 72.9836% | 4,708 |
| Total domestic deposits to total assets | 67.6929% | 7,206 |
| Equity capital to assets | 9.4963% | 4,823 |
| Core capital (leverage) ratio | 8.4973% | 5,558 |
| Tier 1 risk-based capital ratio | 13.0971% | 4,840 |
| Total risk-based capital ratio | 14.1123% | 5,008 |
| Memoranda: | ||
| Average total assets | $184,910,000 | 3,303 |
| Average earning assets | $171,604,330 | 3,251 |
| Average equity | $17,369,330 | 3,517 |
| Average total loans | $95,996,000 | 3,798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 5,019 |
| Cost of funding earning assets | 1.1985% | 2,830 |
| Net interest margin | 3.3849% | 5,485 |
| Noninterest income to average assets | 0.3444% | 5,162 |
| Noninterest expense to average assets | 2.0972% | 6,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0268% | 2,087 |
| Return on assets (ROA) | 1.0268% | 2,134 |
| Pretax return on assets | 1.3996% | 1,725 |
| Return on Equity (ROE) | 10.9928% | 1,744 |
| Retained earnings to average equity (ytd only) | 0.4901% | 5,628 |
| Net charge-offs to loans | -0.8020% | 7,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9127% | 5,996 |
| Assets per employee ($millions) | 5.2268% | 1,855 |
| Cash dividends to net income (ytd only)* | 95.5414% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,781 |
| Loan loss allowance to noncurrent loans | 37.5855% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 3,797 |
| Noncurrent loans to loans | 3.1022% | 2,417 |
| Net loans and leases to total assets | 49.5092% | 5,907 |
| Net loans and leases to deposits | 70.8097% | 4,222 |
| Net loans and leases to core deposits | 71.1423% | 4,912 |
| Total domestic deposits to total assets | 69.9186% | 7,182 |
| Equity capital to assets | 9.1160% | 5,016 |
| Core capital (leverage) ratio | 8.3009% | 5,810 |
| Tier 1 risk-based capital ratio | 13.1071% | 4,744 |
| Total risk-based capital ratio | 14.1035% | 4,912 |
| Memoranda: | ||
| Average total assets | $183,481,500 | 3,347 |
| Average earning assets | $170,876,500 | 3,292 |
| Average equity | $17,138,500 | 3,544 |
| Average total loans | $97,254,000 | 3,801 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 2,910 |
| Cost of funding earning assets | 1.5183% | 2,542 |
| Net interest margin | 3.8278% | 3,830 |
| Noninterest income to average assets | 0.3737% | 5,104 |
| Noninterest expense to average assets | 2.2174% | 6,574 |
| Loan and lease loss provision to assets | 0.1694% | 5,530 |
| Net operating income to assets | 1.1000% | 1,703 |
| Return on assets (ROA) | 1.1005% | 1,782 |
| Pretax return on assets | 1.5554% | 1,228 |
| Return on Equity (ROE) | 11.5284% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.5284% | 324 |
| Net charge-offs to loans | 0.0013% | 6,846 |
| Credit loss provision to net charge-offs | 23,800.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,422.0000% | 5 |
| Efficiency ratio | 56.2218% | 6,574 |
| Assets per employee ($millions) | 4.9667% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,716 |
| Loan loss allowance to noncurrent loans | 35.1477% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5632% | 3,956 |
| Noncurrent loans to loans | 2.5656% | 2,965 |
| Net loans and leases to total assets | 55.5632% | 5,406 |
| Net loans and leases to deposits | 82.1097% | 2,780 |
| Net loans and leases to core deposits | 82.5285% | 3,814 |
| Total domestic deposits to total assets | 67.6695% | 7,334 |
| Equity capital to assets | 9.5772% | 4,304 |
| Core capital (leverage) ratio | 8.5916% | 5,209 |
| Tier 1 risk-based capital ratio | 13.1745% | 4,466 |
| Total risk-based capital ratio | 14.0109% | 4,777 |
| Memoranda: | ||
| Average total assets | $140,481,800 | 4,046 |
| Average earning assets | $130,935,400 | 3,993 |
| Average equity | $13,410,400 | 4,280 |
| Average total loans | $79,410,800 | 4,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 3,766 |
| Cost of funding earning assets | 1.5773% | 2,526 |
| Net interest margin | 3.6367% | 4,693 |
| Noninterest income to average assets | 0.3687% | 5,204 |
| Noninterest expense to average assets | 1.9862% | 7,075 |
| Loan and lease loss provision to assets | 0.1436% | 5,598 |
| Net operating income to assets | 1.1617% | 1,699 |
| Return on assets (ROA) | 1.1632% | 1,794 |
| Pretax return on assets | 1.6368% | 1,257 |
| Return on Equity (ROE) | 12.1986% | 1,447 |
| Retained earnings to average equity (ytd only) | 12.1986% | 437 |
| Net charge-offs to loans | -0.0072% | 7,237 |
| Credit loss provision to net charge-offs | -3,525.0000% | 7,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7327% | 6,913 |
| Assets per employee ($millions) | 4.9017% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 6,986 |
| Loan loss allowance to noncurrent loans | 33.8616% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 4,283 |
| Noncurrent loans to loans | 2.3855% | 3,249 |
| Net loans and leases to total assets | 54.9795% | 5,707 |
| Net loans and leases to deposits | 84.0155% | 2,703 |
| Net loans and leases to core deposits | 84.4889% | 3,878 |
| Total domestic deposits to total assets | 65.4397% | 7,488 |
| Equity capital to assets | 9.3216% | 5,102 |
| Core capital (leverage) ratio | 8.5433% | 5,429 |
| Tier 1 risk-based capital ratio | 12.8437% | 4,695 |
| Total risk-based capital ratio | 13.5383% | 5,164 |
| Memoranda: | ||
| Average total assets | $130,902,250 | 4,304 |
| Average earning assets | $122,233,000 | 4,238 |
| Average equity | $12,482,000 | 4,555 |
| Average total loans | $74,200,750 | 4,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 4,491 |
| Cost of funding earning assets | 1.6807% | 2,221 |
| Net interest margin | 3.4137% | 5,583 |
| Noninterest income to average assets | 0.3611% | 5,261 |
| Noninterest expense to average assets | 1.9582% | 7,172 |
| Loan and lease loss provision to assets | 0.1753% | 5,111 |
| Net operating income to assets | 1.0048% | 2,176 |
| Return on assets (ROA) | 1.0098% | 2,231 |
| Pretax return on assets | 1.4323% | 1,746 |
| Return on Equity (ROE) | 10.4658% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.4658% | 755 |
| Net charge-offs to loans | 0.0336% | 5,879 |
| Credit loss provision to net charge-offs | 909.0909% | 410 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 384 |
| Efficiency ratio | 55.0246% | 6,759 |
| Assets per employee ($millions) | 5.4950% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,689 |
| Loan loss allowance to noncurrent loans | 106.4789% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 5,808 |
| Noncurrent loans to loans | 1.0804% | 5,158 |
| Net loans and leases to total assets | 56.2932% | 5,659 |
| Net loans and leases to deposits | 92.4078% | 1,466 |
| Net loans and leases to core deposits | 93.4259% | 2,803 |
| Total domestic deposits to total assets | 60.9182% | 7,644 |
| Equity capital to assets | 9.8385% | 4,217 |
| Core capital (leverage) ratio | 9.5717% | 3,713 |
| Tier 1 risk-based capital ratio | 15.4526% | 2,920 |
| Total risk-based capital ratio | 16.4862% | 2,998 |
| Memoranda: | ||
| Average total assets | $114,081,670 | 4,701 |
| Average earning assets | $106,862,670 | 4,624 |
| Average equity | $11,007,330 | 4,918 |
| Average total loans | $65,426,000 | 4,962 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 4,841 |
| Cost of funding earning assets | 1.6846% | 2,463 |
| Net interest margin | 3.3542% | 5,769 |
| Noninterest income to average assets | 0.3421% | 5,402 |
| Noninterest expense to average assets | 1.9431% | 7,262 |
| Loan and lease loss provision to assets | 0.3527% | 3,268 |
| Net operating income to assets | 0.7431% | 3,244 |
| Return on assets (ROA) | 0.7476% | 3,332 |
| Pretax return on assets | 1.1990% | 2,364 |
| Return on Equity (ROE) | 7.8268% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.8268% | 1,782 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7128% | 6,810 |
| Assets per employee ($millions) | 4.6881% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,617 |
| Loan loss allowance to noncurrent loans | 89.9179% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 5,635 |
| Noncurrent loans to loans | 1.3103% | 4,790 |
| Net loans and leases to total assets | 57.1790% | 5,575 |
| Net loans and leases to deposits | 93.4966% | 1,405 |
| Net loans and leases to core deposits | 94.5463% | 2,761 |
| Total domestic deposits to total assets | 61.1563% | 7,734 |
| Equity capital to assets | 9.7409% | 4,180 |
| Core capital (leverage) ratio | 9.6560% | 3,572 |
| Tier 1 risk-based capital ratio | 15.0674% | 3,090 |
| Total risk-based capital ratio | 16.1249% | 3,130 |
| Memoranda: | ||
| Average total assets | $113,425,500 | 4,785 |
| Average earning assets | $106,373,000 | 4,688 |
| Average equity | $10,834,500 | 5,018 |
| Average total loans | $65,281,500 | 5,030 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3764% | 4,805 |
| Cost of funding earning assets | 1.8663% | 3,641 |
| Net interest margin | 3.5101% | 4,910 |
| Noninterest income to average assets | 0.3490% | 5,597 |
| Noninterest expense to average assets | 2.0659% | 7,252 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2432% | 1,145 |
| Return on assets (ROA) | 1.2480% | 1,191 |
| Pretax return on assets | 1.6186% | 923 |
| Return on Equity (ROE) | 13.1764% | 923 |
| Retained earnings to average equity (ytd only) | 6.8548% | 1,016 |
| Net charge-offs to loans | -0.0155% | 7,773 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1657% | 7,000 |
| Assets per employee ($millions) | 4.7640% | 2,526 |
| Cash dividends to net income (ytd only)* | 47.9769% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,274 |
| Loan loss allowance to noncurrent loans | 75.5379% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 5,559 |
| Noncurrent loans to loans | 1.3489% | 4,672 |
| Net loans and leases to total assets | 56.6698% | 5,875 |
| Net loans and leases to deposits | 94.1226% | 1,578 |
| Net loans and leases to core deposits | 101.0890% | 3,893 |
| Total domestic deposits to total assets | 60.2085% | 7,798 |
| Equity capital to assets | 9.3663% | 4,612 |
| Core capital (leverage) ratio | 9.5403% | 3,668 |
| Tier 1 risk-based capital ratio | 14.7483% | 3,079 |
| Total risk-based capital ratio | 15.6653% | 3,203 |
| Memoranda: | ||
| Average total assets | $110,896,200 | 4,798 |
| Average earning assets | $105,181,800 | 4,699 |
| Average equity | $10,503,600 | 5,162 |
| Average total loans | $64,613,600 | 5,080 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 4,813 |
| Cost of funding earning assets | 1.9001% | 3,891 |
| Net interest margin | 3.5267% | 4,757 |
| Noninterest income to average assets | 0.3441% | 5,745 |
| Noninterest expense to average assets | 2.0381% | 7,313 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2441% | 1,359 |
| Return on assets (ROA) | 1.2505% | 1,408 |
| Pretax return on assets | 1.6746% | 1,020 |
| Return on Equity (ROE) | 13.1643% | 1,080 |
| Retained earnings to average equity (ytd only) | 8.9293% | 859 |
| Net charge-offs to loans | -0.0207% | 7,768 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0213% | 7,113 |
| Assets per employee ($millions) | 4.9410% | 2,216 |
| Cash dividends to net income (ytd only)* | 32.1708% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 6,121 |
| Loan loss allowance to noncurrent loans | 74.7758% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 5,550 |
| Noncurrent loans to loans | 1.3735% | 4,619 |
| Net loans and leases to total assets | 56.5582% | 6,086 |
| Net loans and leases to deposits | 97.1655% | 1,421 |
| Net loans and leases to core deposits | 104.7455% | 3,852 |
| Total domestic deposits to total assets | 58.2081% | 7,903 |
| Equity capital to assets | 9.4611% | 4,798 |
| Core capital (leverage) ratio | 9.6607% | 3,703 |
| Tier 1 risk-based capital ratio | 14.8505% | 3,112 |
| Total risk-based capital ratio | 15.7757% | 3,211 |
| Memoranda: | ||
| Average total assets | $110,036,250 | 4,850 |
| Average earning assets | $104,835,000 | 4,743 |
| Average equity | $10,452,250 | 5,220 |
| Average total loans | $64,401,750 | 5,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 4,139 |
| Cost of funding earning assets | 1.9570% | 3,967 |
| Net interest margin | 3.6300% | 4,248 |
| Noninterest income to average assets | 0.3510% | 5,695 |
| Noninterest expense to average assets | 1.9902% | 7,478 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3169% | 1,193 |
| Return on assets (ROA) | 1.3250% | 1,246 |
| Pretax return on assets | 1.8248% | 810 |
| Return on Equity (ROE) | 13.9292% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.5152% | 1,381 |
| Net charge-offs to loans | -0.0343% | 7,796 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3188% | 7,490 |
| Assets per employee ($millions) | 4.5997% | 2,609 |
| Cash dividends to net income (ytd only)* | 46.0472% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,806 |
| Loan loss allowance to noncurrent loans | 73.4066% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 5,340 |
| Noncurrent loans to loans | 1.4527% | 4,314 |
| Net loans and leases to total assets | 56.1385% | 6,190 |
| Net loans and leases to deposits | 91.3006% | 2,599 |
| Net loans and leases to core deposits | 97.8743% | 4,714 |
| Total domestic deposits to total assets | 61.4876% | 7,906 |
| Equity capital to assets | 9.4109% | 4,730 |
| Core capital (leverage) ratio | 9.3028% | 4,161 |
| Tier 1 risk-based capital ratio | 15.1113% | 2,972 |
| Total risk-based capital ratio | 16.0823% | 3,024 |
| Memoranda: | ||
| Average total assets | $108,833,670 | 4,914 |
| Average earning assets | $103,527,000 | 4,802 |
| Average equity | $10,352,330 | 5,267 |
| Average total loans | $64,221,670 | 5,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 3,381 |
| Cost of funding earning assets | 2.0050% | 4,102 |
| Net interest margin | 3.7798% | 3,537 |
| Noninterest income to average assets | 0.3554% | 5,603 |
| Noninterest expense to average assets | 1.9879% | 7,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4641% | 1,007 |
| Return on assets (ROA) | 1.4807% | 1,046 |
| Pretax return on assets | 1.9768% | 693 |
| Return on Equity (ROE) | 15.4829% | 895 |
| Retained earnings to average equity (ytd only) | 15.4829% | 370 |
| Net charge-offs to loans | -0.0615% | 7,759 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4225% | 7,557 |
| Assets per employee ($millions) | 4.4793% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 5,994 |
| Loan loss allowance to noncurrent loans | 453.7415% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 7,176 |
| Noncurrent loans to loans | 0.2258% | 6,889 |
| Net loans and leases to total assets | 59.9421% | 5,665 |
| Net loans and leases to deposits | 95.1045% | 2,093 |
| Net loans and leases to core deposits | 103.3969% | 4,204 |
| Total domestic deposits to total assets | 63.0277% | 7,882 |
| Equity capital to assets | 9.7635% | 4,292 |
| Core capital (leverage) ratio | 9.5312% | 3,945 |
| Tier 1 risk-based capital ratio | 15.1039% | 3,013 |
| Total risk-based capital ratio | 16.0721% | 3,074 |
| Memoranda: | ||
| Average total assets | $108,054,000 | 4,947 |
| Average earning assets | $102,545,000 | 4,846 |
| Average equity | $10,334,000 | 5,283 |
| Average total loans | $65,012,000 | 5,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0779% | 5,155 |
| Cost of funding earning assets | 2.5299% | 4,049 |
| Net interest margin | 3.5480% | 5,108 |
| Noninterest income to average assets | 0.3407% | 6,010 |
| Noninterest expense to average assets | 1.9138% | 7,593 |
| Loan and lease loss provision to assets | 0.0911% | 6,239 |
| Net operating income to assets | 1.2320% | 1,679 |
| Return on assets (ROA) | 1.2580% | 1,554 |
| Pretax return on assets | 1.7298% | 1,083 |
| Return on Equity (ROE) | 14.0795% | 1,088 |
| Retained earnings to average equity (ytd only) | 7.3099% | 1,056 |
| Net charge-offs to loans | -0.0214% | 7,936 |
| Credit loss provision to net charge-offs | -714.2857% | 7,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7360% | 7,519 |
| Assets per employee ($millions) | 4.5253% | 2,576 |
| Cash dividends to net income (ytd only)* | 48.0811% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 5,915 |
| Loan loss allowance to noncurrent loans | 217.5497% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 6,468 |
| Noncurrent loans to loans | 0.4652% | 5,952 |
| Net loans and leases to total assets | 59.1689% | 6,031 |
| Net loans and leases to deposits | 96.3679% | 2,389 |
| Net loans and leases to core deposits | 104.8115% | 4,317 |
| Total domestic deposits to total assets | 61.3990% | 7,912 |
| Equity capital to assets | 9.3660% | 4,861 |
| Core capital (leverage) ratio | 9.1066% | 4,584 |
| Tier 1 risk-based capital ratio | 14.6505% | 3,230 |
| Total risk-based capital ratio | 15.6123% | 3,277 |
| Memoranda: | ||
| Average total assets | $109,780,200 | 4,794 |
| Average earning assets | $103,917,200 | 4,685 |
| Average equity | $9,808,600 | 5,472 |
| Average total loans | $65,323,600 | 5,047 |