Home > Nebraska State Bank and Trust Company > Performance and Condition Ratios
Nebraska State Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 1,294 |
| Cost of funding earning assets | 1.2043% | 2,790 |
| Net interest margin | 4.2076% | 925 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.3378% | 2,748 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.6922% | 743 |
| Return on assets (ROA) | 1.6922% | 706 |
| Pretax return on assets | 1.7292% | 1,006 |
| Return on Equity (ROE) | 17.4600% | 895 |
| Retained earnings to average equity (ytd only) | 5.1803% | 2,540 |
| Net charge-offs to loans | 0.4029% | 256 |
| Credit loss provision to net charge-offs | 69.4611% | 2,091 |
| Earnings coverage of net charge-offs (x) | 6.2922% | 2,479 |
| Efficiency ratio | 54.6012% | 3,637 |
| Assets per employee ($millions) | 6.8627% | 2,163 |
| Cash dividends to net income (ytd only)* | 70.3323% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 3,666 |
| Loan loss allowance to noncurrent loans | 623.4375% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 2,539 |
| Noncurrent loans to loans | 0.1468% | 2,778 |
| Net loans and leases to total assets | 76.7800% | 1,005 |
| Net loans and leases to deposits | 94.1177% | 930 |
| Net loans and leases to core deposits | 99.9177% | 1,443 |
| Total domestic deposits to total assets | 81.5800% | 3,205 |
| Equity capital to assets | 9.6296% | 2,257 |
| Core capital (leverage) ratio | 11.5481% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2575% | 1,778 |
| Memoranda: | ||
| Average total assets | $270,295,200 | 2,576 |
| Average earning assets | $254,752,600 | 2,543 |
| Average equity | $26,195,400 | 2,451 |
| Average total loans | $207,224,200 | 2,242 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 1,269 |
| Cost of funding earning assets | 1.1143% | 2,701 |
| Net interest margin | 4.2018% | 921 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.3887% | 2,546 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8016% | 670 |
| Return on assets (ROA) | 1.8016% | 660 |
| Pretax return on assets | 1.8415% | 940 |
| Return on Equity (ROE) | 18.5600% | 869 |
| Retained earnings to average equity (ytd only) | 10.9352% | 1,165 |
| Net charge-offs to loans | 0.3005% | 293 |
| Credit loss provision to net charge-offs | 29.2842% | 1,976 |
| Earnings coverage of net charge-offs (x) | 8.3080% | 2,203 |
| Efficiency ratio | 55.5839% | 3,435 |
| Assets per employee ($millions) | 7.5317% | 1,613 |
| Cash dividends to net income (ytd only)* | 41.0788% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,721 |
| Loan loss allowance to noncurrent loans | 275.6447% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 1,804 |
| Noncurrent loans to loans | 0.3279% | 2,057 |
| Net loans and leases to total assets | 77.8000% | 908 |
| Net loans and leases to deposits | 93.2712% | 948 |
| Net loans and leases to core deposits | 97.7072% | 1,462 |
| Total domestic deposits to total assets | 83.4100% | 2,924 |
| Equity capital to assets | 9.7384% | 1,967 |
| Core capital (leverage) ratio | 12.0537% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0081% | 1,561 |
| Memoranda: | ||
| Average total assets | $267,526,250 | 2,593 |
| Average earning assets | $252,835,750 | 2,560 |
| Average equity | $25,970,500 | 2,450 |
| Average total loans | $204,523,000 | 2,255 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 1,272 |
| Cost of funding earning assets | 0.9882% | 2,643 |
| Net interest margin | 4.1739% | 966 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.3723% | 2,587 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.7843% | 680 |
| Return on assets (ROA) | 1.7843% | 676 |
| Pretax return on assets | 1.8249% | 966 |
| Return on Equity (ROE) | 18.4000% | 906 |
| Retained earnings to average equity (ytd only) | 10.7335% | 1,239 |
| Net charge-offs to loans | 0.4540% | 190 |
| Credit loss provision to net charge-offs | 19.6507% | 1,772 |
| Earnings coverage of net charge-offs (x) | 5.5022% | 2,166 |
| Efficiency ratio | 55.6260% | 3,465 |
| Assets per employee ($millions) | 6.8560% | 2,039 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,708 |
| Loan loss allowance to noncurrent loans | 266.9504% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 1,651 |
| Noncurrent loans to loans | 0.3456% | 1,896 |
| Net loans and leases to total assets | 77.5900% | 879 |
| Net loans and leases to deposits | 91.1143% | 1,098 |
| Net loans and leases to core deposits | 94.8960% | 1,531 |
| Total domestic deposits to total assets | 85.1600% | 2,496 |
| Equity capital to assets | 10.1402% | 1,777 |
| Core capital (leverage) ratio | 12.1848% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1071% | 1,545 |
| Memoranda: | ||
| Average total assets | $266,321,000 | 2,602 |
| Average earning assets | $251,563,000 | 2,576 |
| Average equity | $25,825,667 | 2,475 |
| Average total loans | $201,741,000 | 2,279 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 1,121 |
| Cost of funding earning assets | 0.8652% | 2,489 |
| Net interest margin | 4.1998% | 946 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4397% | 2,401 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.7176% | 796 |
| Return on assets (ROA) | 1.7176% | 788 |
| Pretax return on assets | 1.7592% | 1,148 |
| Return on Equity (ROE) | 18.1100% | 1,014 |
| Retained earnings to average equity (ytd only) | 10.3566% | 1,615 |
| Net charge-offs to loans | 0.9053% | 86 |
| Credit loss provision to net charge-offs | 9.9119% | 1,405 |
| Earnings coverage of net charge-offs (x) | 2.7070% | 1,918 |
| Efficiency ratio | 57.1926% | 3,281 |
| Assets per employee ($millions) | 6.6413% | 2,238 |
| Cash dividends to net income (ytd only)* | 42.8201% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 3,677 |
| Loan loss allowance to noncurrent loans | 252.1918% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 456 |
| Noncurrent loans to loans | 0.3806% | 1,794 |
| Net loans and leases to total assets | 73.3400% | 1,284 |
| Net loans and leases to deposits | 84.7367% | 1,448 |
| Net loans and leases to core deposits | 88.5398% | 1,707 |
| Total domestic deposits to total assets | 86.5500% | 2,426 |
| Equity capital to assets | 10.1258% | 1,755 |
| Core capital (leverage) ratio | 11.5047% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4986% | 1,489 |
| Memoranda: | ||
| Average total assets | $269,218,000 | 2,619 |
| Average earning assets | $253,346,000 | 2,594 |
| Average equity | $25,529,500 | 2,516 |
| Average total loans | $200,601,000 | 2,301 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 1,657 |
| Cost of funding earning assets | 0.5237% | 1,244 |
| Net interest margin | 3.4991% | 1,937 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.1322% | 3,208 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3963% | 1,140 |
| Return on assets (ROA) | 1.3861% | 1,117 |
| Pretax return on assets | 1.4268% | 1,694 |
| Return on Equity (ROE) | 15.6300% | 1,116 |
| Retained earnings to average equity (ytd only) | 8.8491% | 1,524 |
| Net charge-offs to loans | 0.0057% | 2,211 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 355.6667% | 429 |
| Efficiency ratio | 58.6914% | 3,234 |
| Assets per employee ($millions) | 7.1647% | 1,853 |
| Cash dividends to net income (ytd only)* | 43.3790% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,014 |
| Loan loss allowance to noncurrent loans | 302.8264% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 414 |
| Noncurrent loans to loans | 0.3548% | 1,872 |
| Net loans and leases to total assets | 74.1400% | 1,204 |
| Net loans and leases to deposits | 84.1708% | 1,459 |
| Net loans and leases to core deposits | 87.4024% | 1,658 |
| Total domestic deposits to total assets | 88.0800% | 2,048 |
| Equity capital to assets | 8.8869% | 2,427 |
| Core capital (leverage) ratio | 11.0308% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1369% | 1,926 |
| Memoranda: | ||
| Average total assets | $284,404,800 | 2,532 |
| Average earning assets | $271,325,200 | 2,485 |
| Average equity | $25,222,800 | 2,568 |
| Average total loans | $208,860,800 | 2,173 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 1,811 |
| Cost of funding earning assets | 0.4600% | 940 |
| Net interest margin | 3.3220% | 2,227 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.1364% | 3,110 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2290% | 1,592 |
| Return on assets (ROA) | 1.2154% | 1,621 |
| Pretax return on assets | 1.2565% | 2,187 |
| Return on Equity (ROE) | 13.7100% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.9560% | 2,372 |
| Net charge-offs to loans | 0.0045% | 2,028 |
| Credit loss provision to net charge-offs | 1,928.5714% | 259 |
| Earnings coverage of net charge-offs (x) | 408.1429% | 378 |
| Efficiency ratio | 61.5685% | 2,889 |
| Assets per employee ($millions) | 7.0259% | 1,923 |
| Cash dividends to net income (ytd only)* | 49.2704% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,381 |
| Loan loss allowance to noncurrent loans | 76.5419% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 415 |
| Noncurrent loans to loans | 1.3339% | 549 |
| Net loans and leases to total assets | 78.1600% | 692 |
| Net loans and leases to deposits | 89.5301% | 922 |
| Net loans and leases to core deposits | 93.3393% | 1,125 |
| Total domestic deposits to total assets | 87.3000% | 2,666 |
| Equity capital to assets | 8.5675% | 2,501 |
| Core capital (leverage) ratio | 10.3578% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4953% | 2,264 |
| Memoranda: | ||
| Average total assets | $285,650,000 | 2,544 |
| Average earning assets | $273,643,750 | 2,491 |
| Average equity | $25,320,500 | 2,607 |
| Average total loans | $208,724,500 | 2,177 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 2,586 |
| Cost of funding earning assets | 0.3878% | 1,002 |
| Net interest margin | 2.9593% | 3,006 |
| Noninterest income to average assets | 0.2666% | 3,572 |
| Noninterest expense to average assets | 2.0606% | 3,262 |
| Loan and lease loss provision to assets | 0.0622% | 1,482 |
| Net operating income to assets | 0.9436% | 2,383 |
| Return on assets (ROA) | 0.9436% | 2,357 |
| Pretax return on assets | 0.9802% | 2,797 |
| Return on Equity (ROE) | 10.5339% | 2,156 |
| Retained earnings to average equity (ytd only) | 3.9406% | 3,105 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4069% | 2,455 |
| Assets per employee ($millions) | 7.1090% | 1,874 |
| Cash dividends to net income (ytd only)* | 62.5915% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,485 |
| Loan loss allowance to noncurrent loans | 59.2957% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 312 |
| Noncurrent loans to loans | 1.7303% | 395 |
| Net loans and leases to total assets | 73.6849% | 944 |
| Net loans and leases to deposits | 84.0587% | 1,113 |
| Net loans and leases to core deposits | 87.8105% | 1,232 |
| Total domestic deposits to total assets | 87.6589% | 2,706 |
| Equity capital to assets | 8.5670% | 2,710 |
| Core capital (leverage) ratio | 9.8738% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2372% | 2,398 |
| Memoranda: | ||
| Average total assets | $289,529,333 | 2,537 |
| Average earning assets | $277,495,000 | 2,494 |
| Average equity | $25,935,333 | 2,634 |
| Average total loans | $206,178,000 | 2,192 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0010% | 3,257 |
| Cost of funding earning assets | 0.4174% | 783 |
| Net interest margin | 2.5836% | 3,697 |
| Noninterest income to average assets | 0.2793% | 3,465 |
| Noninterest expense to average assets | 1.9362% | 3,586 |
| Loan and lease loss provision to assets | 0.0616% | 1,309 |
| Net operating income to assets | 0.7203% | 2,981 |
| Return on assets (ROA) | 0.7203% | 2,970 |
| Pretax return on assets | 0.7477% | 3,256 |
| Return on Equity (ROE) | 7.8735% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.4669% | 3,702 |
| Net charge-offs to loans | 0.0020% | 1,759 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 591.0000% | 170 |
| Efficiency ratio | 70.5237% | 2,151 |
| Assets per employee ($millions) | 7.4776% | 1,701 |
| Cash dividends to net income (ytd only)* | 81.3688% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,461 |
| Loan loss allowance to noncurrent loans | 55.5091% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 309 |
| Noncurrent loans to loans | 1.9257% | 385 |
| Net loans and leases to total assets | 67.4720% | 1,262 |
| Net loans and leases to deposits | 77.4611% | 1,328 |
| Net loans and leases to core deposits | 81.3489% | 1,396 |
| Total domestic deposits to total assets | 87.1044% | 2,888 |
| Equity capital to assets | 8.7499% | 2,934 |
| Core capital (leverage) ratio | 9.4821% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,115,000 | 2,535 |
| Average earning assets | $278,838,500 | 2,506 |
| Average equity | $26,722,500 | 2,666 |
| Average total loans | $203,416,500 | 2,199 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 1,603 |
| Cost of funding earning assets | 0.5194% | 850 |
| Net interest margin | 3.3840% | 2,081 |
| Noninterest income to average assets | 0.2703% | 3,775 |
| Noninterest expense to average assets | 2.0282% | 3,588 |
| Loan and lease loss provision to assets | 0.0621% | 1,827 |
| Net operating income to assets | 1.3752% | 1,361 |
| Return on assets (ROA) | 1.3752% | 1,410 |
| Pretax return on assets | 1.4166% | 1,994 |
| Return on Equity (ROE) | 14.6513% | 1,034 |
| Retained earnings to average equity (ytd only) | 8.0400% | 1,522 |
| Net charge-offs to loans | 0.0293% | 1,654 |
| Credit loss provision to net charge-offs | 290.3226% | 1,081 |
| Earnings coverage of net charge-offs (x) | 69.1774% | 1,081 |
| Efficiency ratio | 57.8352% | 3,472 |
| Assets per employee ($millions) | 7.1367% | 1,840 |
| Cash dividends to net income (ytd only)* | 45.1241% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,748 |
| Loan loss allowance to noncurrent loans | 134.4093% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 1,262 |
| Noncurrent loans to loans | 0.7449% | 1,366 |
| Net loans and leases to total assets | 70.3541% | 1,003 |
| Net loans and leases to deposits | 81.4902% | 1,104 |
| Net loans and leases to core deposits | 87.4515% | 1,114 |
| Total domestic deposits to total assets | 86.3344% | 2,788 |
| Equity capital to assets | 9.5446% | 3,105 |
| Core capital (leverage) ratio | 9.5031% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,065,000 | 2,479 |
| Average earning assets | $277,420,200 | 2,448 |
| Average equity | $27,226,200 | 2,707 |
| Average total loans | $211,680,200 | 2,165 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 1,313 |
| Cost of funding earning assets | 0.5400% | 875 |
| Net interest margin | 3.5551% | 1,716 |
| Noninterest income to average assets | 0.2644% | 3,818 |
| Noninterest expense to average assets | 2.0228% | 3,603 |
| Loan and lease loss provision to assets | 0.0622% | 1,758 |
| Net operating income to assets | 1.5354% | 1,182 |
| Return on assets (ROA) | 1.5354% | 1,230 |
| Pretax return on assets | 1.5764% | 1,773 |
| Return on Equity (ROE) | 16.4280% | 860 |
| Retained earnings to average equity (ytd only) | 9.7740% | 1,391 |
| Net charge-offs to loans | 0.0646% | 999 |
| Credit loss provision to net charge-offs | 131.0680% | 1,412 |
| Earnings coverage of net charge-offs (x) | 34.5340% | 1,453 |
| Efficiency ratio | 55.2466% | 3,628 |
| Assets per employee ($millions) | 7.3390% | 1,659 |
| Cash dividends to net income (ytd only)* | 40.5041% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,071 |
| Loan loss allowance to noncurrent loans | 254.9170% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 2,440 |
| Noncurrent loans to loans | 0.3644% | 2,477 |
| Net loans and leases to total assets | 72.5134% | 822 |
| Net loans and leases to deposits | 84.1075% | 954 |
| Net loans and leases to core deposits | 90.3404% | 1,012 |
| Total domestic deposits to total assets | 86.2151% | 2,659 |
| Equity capital to assets | 9.4904% | 3,381 |
| Core capital (leverage) ratio | 9.2620% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,430,250 | 2,503 |
| Average earning assets | $276,550,250 | 2,471 |
| Average equity | $27,050,750 | 2,749 |
| Average total loans | $212,615,000 | 2,184 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 845 |
| Cost of funding earning assets | 0.5668% | 879 |
| Net interest margin | 3.8361% | 1,087 |
| Noninterest income to average assets | 0.2548% | 3,868 |
| Noninterest expense to average assets | 2.0434% | 3,564 |
| Loan and lease loss provision to assets | 0.0625% | 1,795 |
| Net operating income to assets | 1.7740% | 760 |
| Return on assets (ROA) | 1.7740% | 798 |
| Pretax return on assets | 1.8142% | 1,199 |
| Return on Equity (ROE) | 19.0807% | 535 |
| Retained earnings to average equity (ytd only) | 12.3595% | 839 |
| Net charge-offs to loans | 0.0953% | 761 |
| Credit loss provision to net charge-offs | 89.1089% | 1,438 |
| Earnings coverage of net charge-offs (x) | 26.7624% | 1,378 |
| Efficiency ratio | 52.1254% | 4,032 |
| Assets per employee ($millions) | 7.8246% | 1,289 |
| Cash dividends to net income (ytd only)* | 35.2250% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,101 |
| Loan loss allowance to noncurrent loans | 262.5000% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,679 |
| Noncurrent loans to loans | 0.3505% | 2,649 |
| Net loans and leases to total assets | 70.7285% | 1,123 |
| Net loans and leases to deposits | 81.7410% | 1,256 |
| Net loans and leases to core deposits | 88.6481% | 1,228 |
| Total domestic deposits to total assets | 86.5276% | 2,538 |
| Equity capital to assets | 9.2761% | 3,533 |
| Core capital (leverage) ratio | 9.3459% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,053,333 | 2,507 |
| Average earning assets | $275,224,667 | 2,474 |
| Average equity | $26,781,000 | 2,760 |
| Average total loans | $211,864,333 | 2,198 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 2,857 |
| Cost of funding earning assets | 0.6189% | 804 |
| Net interest margin | 2.9033% | 3,509 |
| Noninterest income to average assets | 1.1799% | 875 |
| Noninterest expense to average assets | 2.0324% | 3,621 |
| Loan and lease loss provision to assets | 0.0635% | 1,867 |
| Net operating income to assets | 1.8122% | 769 |
| Return on assets (ROA) | 1.8122% | 820 |
| Pretax return on assets | 1.8517% | 1,192 |
| Return on Equity (ROE) | 19.4686% | 574 |
| Retained earnings to average equity (ytd only) | 12.6455% | 987 |
| Net charge-offs to loans | 0.1852% | 433 |
| Credit loss provision to net charge-offs | 45.9184% | 1,329 |
| Earnings coverage of net charge-offs (x) | 13.8469% | 1,386 |
| Efficiency ratio | 51.4837% | 4,049 |
| Assets per employee ($millions) | 7.0317% | 1,789 |
| Cash dividends to net income (ytd only)* | 35.0467% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 4,134 |
| Loan loss allowance to noncurrent loans | 235.0554% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 2,697 |
| Noncurrent loans to loans | 0.3863% | 2,706 |
| Net loans and leases to total assets | 74.1472% | 801 |
| Net loans and leases to deposits | 86.0778% | 957 |
| Net loans and leases to core deposits | 93.8662% | 989 |
| Total domestic deposits to total assets | 86.1398% | 2,686 |
| Equity capital to assets | 9.4494% | 3,246 |
| Core capital (leverage) ratio | 9.2716% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,413,000 | 2,520 |
| Average earning assets | $270,176,000 | 2,491 |
| Average equity | $26,381,000 | 2,776 |
| Average total loans | $211,670,000 | 2,204 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,175 |
| Cost of funding earning assets | 0.8304% | 1,091 |
| Net interest margin | 3.3560% | 2,912 |
| Noninterest income to average assets | 0.3690% | 3,270 |
| Noninterest expense to average assets | 2.1902% | 3,688 |
| Loan and lease loss provision to assets | 0.0968% | 3,136 |
| Net operating income to assets | 1.2445% | 1,400 |
| Return on assets (ROA) | 1.3084% | 1,331 |
| Pretax return on assets | 1.3472% | 1,829 |
| Return on Equity (ROE) | 13.6539% | 895 |
| Retained earnings to average equity (ytd only) | 3.8623% | 2,892 |
| Net charge-offs to loans | 0.0286% | 2,463 |
| Credit loss provision to net charge-offs | 426.2295% | 1,376 |
| Earnings coverage of net charge-offs (x) | 60.6721% | 1,065 |
| Efficiency ratio | 61.3795% | 3,248 |
| Assets per employee ($millions) | 6.9649% | 1,606 |
| Cash dividends to net income (ytd only)* | 71.7131% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,123 |
| Loan loss allowance to noncurrent loans | 991.9192% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,998 |
| Noncurrent loans to loans | 0.0930% | 3,922 |
| Net loans and leases to total assets | 73.8598% | 1,040 |
| Net loans and leases to deposits | 87.5126% | 1,135 |
| Net loans and leases to core deposits | 96.5918% | 1,088 |
| Total domestic deposits to total assets | 84.3991% | 2,984 |
| Equity capital to assets | 9.1694% | 3,920 |
| Core capital (leverage) ratio | 9.2091% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,564,600 | 2,471 |
| Average earning assets | $256,022,600 | 2,434 |
| Average equity | $25,736,200 | 2,752 |
| Average total loans | $213,506,600 | 2,143 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 1,984 |
| Cost of funding earning assets | 0.8727% | 1,163 |
| Net interest margin | 3.4714% | 2,688 |
| Noninterest income to average assets | 0.3925% | 3,116 |
| Noninterest expense to average assets | 2.1413% | 3,846 |
| Loan and lease loss provision to assets | 0.0984% | 3,095 |
| Net operating income to assets | 1.4265% | 1,041 |
| Return on assets (ROA) | 1.4265% | 1,127 |
| Pretax return on assets | 1.4654% | 1,528 |
| Return on Equity (ROE) | 14.7149% | 743 |
| Retained earnings to average equity (ytd only) | 4.8807% | 2,611 |
| Net charge-offs to loans | 0.0368% | 2,100 |
| Credit loss provision to net charge-offs | 330.5085% | 1,667 |
| Earnings coverage of net charge-offs (x) | 52.5424% | 1,164 |
| Efficiency ratio | 57.7944% | 3,693 |
| Assets per employee ($millions) | 7.0176% | 1,491 |
| Cash dividends to net income (ytd only)* | 66.8317% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,122 |
| Loan loss allowance to noncurrent loans | 965.4822% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,089 |
| Noncurrent loans to loans | 0.0915% | 4,002 |
| Net loans and leases to total assets | 76.0055% | 1,097 |
| Net loans and leases to deposits | 91.1242% | 1,143 |
| Net loans and leases to core deposits | 101.2539% | 1,077 |
| Total domestic deposits to total assets | 83.4087% | 3,021 |
| Equity capital to assets | 9.3622% | 3,805 |
| Core capital (leverage) ratio | 9.2325% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,315,750 | 2,479 |
| Average earning assets | $252,229,000 | 2,435 |
| Average equity | $25,624,250 | 2,752 |
| Average total loans | $213,663,750 | 2,143 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,804 |
| Cost of funding earning assets | 0.9365% | 1,208 |
| Net interest margin | 3.6031% | 2,471 |
| Noninterest income to average assets | 0.3245% | 3,520 |
| Noninterest expense to average assets | 2.2059% | 3,766 |
| Loan and lease loss provision to assets | 0.0927% | 3,110 |
| Net operating income to assets | 1.3969% | 1,122 |
| Return on assets (ROA) | 1.3969% | 1,213 |
| Pretax return on assets | 1.4356% | 1,626 |
| Return on Equity (ROE) | 14.2330% | 847 |
| Retained earnings to average equity (ytd only) | 4.3140% | 2,774 |
| Net charge-offs to loans | 0.0525% | 1,738 |
| Credit loss provision to net charge-offs | 214.2857% | 1,856 |
| Earnings coverage of net charge-offs (x) | 35.3214% | 1,326 |
| Efficiency ratio | 59.0730% | 3,542 |
| Assets per employee ($millions) | 7.0184% | 1,427 |
| Cash dividends to net income (ytd only)* | 69.6903% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,197 |
| Loan loss allowance to noncurrent loans | 639.5105% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 4,025 |
| Noncurrent loans to loans | 0.1325% | 3,927 |
| Net loans and leases to total assets | 76.2564% | 1,095 |
| Net loans and leases to deposits | 91.2933% | 1,231 |
| Net loans and leases to core deposits | 101.4126% | 1,154 |
| Total domestic deposits to total assets | 83.5291% | 2,913 |
| Equity capital to assets | 9.2076% | 3,916 |
| Core capital (leverage) ratio | 9.3806% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,853,667 | 2,485 |
| Average earning assets | $244,955,667 | 2,452 |
| Average equity | $25,405,667 | 2,755 |
| Average total loans | $213,134,667 | 2,135 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,368 |
| Cost of funding earning assets | 1.0354% | 1,279 |
| Net interest margin | 3.7859% | 2,032 |
| Noninterest income to average assets | 0.3582% | 3,377 |
| Noninterest expense to average assets | 2.2492% | 3,890 |
| Loan and lease loss provision to assets | 0.0726% | 2,825 |
| Net operating income to assets | 1.6022% | 625 |
| Return on assets (ROA) | 1.6022% | 689 |
| Pretax return on assets | 1.6409% | 973 |
| Return on Equity (ROE) | 15.7719% | 454 |
| Retained earnings to average equity (ytd only) | 5.7656% | 1,970 |
| Net charge-offs to loans | 0.1285% | 945 |
| Credit loss provision to net charge-offs | 66.1765% | 1,989 |
| Earnings coverage of net charge-offs (x) | 15.6176% | 1,555 |
| Efficiency ratio | 56.7590% | 4,135 |
| Assets per employee ($millions) | 6.0009% | 1,682 |
| Cash dividends to net income (ytd only)* | 63.4441% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,394 |
| Loan loss allowance to noncurrent loans | 697.2000% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 4,124 |
| Noncurrent loans to loans | 0.1158% | 4,058 |
| Net loans and leases to total assets | 84.9475% | 204 |
| Net loans and leases to deposits | 103.7517% | 373 |
| Net loans and leases to core deposits | 117.6484% | 538 |
| Total domestic deposits to total assets | 81.8757% | 3,451 |
| Equity capital to assets | 10.1005% | 3,688 |
| Core capital (leverage) ratio | 10.1843% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,912,000 | 2,506 |
| Average earning assets | $236,034,000 | 2,466 |
| Average equity | $25,184,000 | 2,764 |
| Average total loans | $211,747,500 | 2,113 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 1,393 |
| Cost of funding earning assets | 1.1376% | 1,202 |
| Net interest margin | 3.8934% | 2,201 |
| Noninterest income to average assets | 0.3814% | 3,407 |
| Noninterest expense to average assets | 2.2539% | 4,055 |
| Loan and lease loss provision to assets | 0.0495% | 3,031 |
| Net operating income to assets | 1.7240% | 628 |
| Return on assets (ROA) | 1.7240% | 669 |
| Pretax return on assets | 1.7628% | 1,040 |
| Return on Equity (ROE) | 16.8624% | 433 |
| Retained earnings to average equity (ytd only) | 0.2259% | 4,622 |
| Net charge-offs to loans | 0.0135% | 3,213 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 156.9643% | 480 |
| Efficiency ratio | 55.4305% | 4,275 |
| Assets per employee ($millions) | 5.9460% | 1,669 |
| Cash dividends to net income (ytd only)* | 98.6606% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 4,152 |
| Loan loss allowance to noncurrent loans | 333.2075% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,589 |
| Noncurrent loans to loans | 0.2552% | 3,534 |
| Net loans and leases to total assets | 84.4536% | 284 |
| Net loans and leases to deposits | 101.4947% | 502 |
| Net loans and leases to core deposits | 119.0560% | 502 |
| Total domestic deposits to total assets | 83.2099% | 3,133 |
| Equity capital to assets | 10.2184% | 3,715 |
| Core capital (leverage) ratio | 10.0448% | 3,466 |
| Tier 1 risk-based capital ratio | 11.4077% | 4,676 |
| Total risk-based capital ratio | 12.2250% | 4,772 |
| Memoranda: | ||
| Average total assets | $242,516,600 | 2,508 |
| Average earning assets | $229,515,600 | 2,474 |
| Average equity | $24,794,800 | 2,734 |
| Average total loans | $207,974,600 | 2,104 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 1,366 |
| Cost of funding earning assets | 1.1437% | 1,196 |
| Net interest margin | 3.9234% | 2,181 |
| Noninterest income to average assets | 0.3831% | 3,420 |
| Noninterest expense to average assets | 2.2356% | 4,107 |
| Loan and lease loss provision to assets | 0.0495% | 2,907 |
| Net operating income to assets | 1.7720% | 645 |
| Return on assets (ROA) | 1.7720% | 680 |
| Pretax return on assets | 1.8106% | 1,070 |
| Return on Equity (ROE) | 17.3299% | 445 |
| Retained earnings to average equity (ytd only) | -1.4859% | 4,896 |
| Net charge-offs to loans | 0.0083% | 3,070 |
| Credit loss provision to net charge-offs | 692.3077% | 485 |
| Earnings coverage of net charge-offs (x) | 259.9665% | 355 |
| Efficiency ratio | 54.5833% | 4,325 |
| Assets per employee ($millions) | 6.1761% | 1,473 |
| Cash dividends to net income (ytd only)* | 108.5741% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 4,265 |
| Loan loss allowance to noncurrent loans | 1,012.1387% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,364 |
| Noncurrent loans to loans | 0.0832% | 4,267 |
| Net loans and leases to total assets | 83.4625% | 407 |
| Net loans and leases to deposits | 100.1170% | 623 |
| Net loans and leases to core deposits | 119.9806% | 539 |
| Total domestic deposits to total assets | 83.3649% | 3,037 |
| Equity capital to assets | 9.9537% | 4,065 |
| Core capital (leverage) ratio | 9.9114% | 3,726 |
| Tier 1 risk-based capital ratio | 11.3499% | 4,738 |
| Total risk-based capital ratio | 12.1672% | 4,833 |
| Memoranda: | ||
| Average total assets | $242,199,250 | 2,532 |
| Average earning assets | $229,184,500 | 2,496 |
| Average equity | $24,765,750 | 2,752 |
| Average total loans | $208,055,250 | 2,121 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 1,422 |
| Cost of funding earning assets | 1.1165% | 1,235 |
| Net interest margin | 3.9050% | 2,227 |
| Noninterest income to average assets | 0.3782% | 3,416 |
| Noninterest expense to average assets | 2.2803% | 4,057 |
| Loan and lease loss provision to assets | 0.0499% | 2,823 |
| Net operating income to assets | 1.7025% | 724 |
| Return on assets (ROA) | 1.7025% | 752 |
| Pretax return on assets | 1.7408% | 1,185 |
| Return on Equity (ROE) | 16.4999% | 523 |
| Retained earnings to average equity (ytd only) | 3.8108% | 3,344 |
| Net charge-offs to loans | 0.0086% | 2,832 |
| Credit loss provision to net charge-offs | 666.6667% | 480 |
| Earnings coverage of net charge-offs (x) | 239.3333% | 339 |
| Efficiency ratio | 56.0139% | 4,243 |
| Assets per employee ($millions) | 5.9062% | 1,612 |
| Cash dividends to net income (ytd only)* | 76.9043% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,392 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,695 |
| Noncurrent loans to loans | 0.0213% | 4,621 |
| Net loans and leases to total assets | 86.7155% | 165 |
| Net loans and leases to deposits | 105.4899% | 360 |
| Net loans and leases to core deposits | 131.5875% | 295 |
| Total domestic deposits to total assets | 82.2027% | 3,456 |
| Equity capital to assets | 10.4396% | 3,573 |
| Core capital (leverage) ratio | 10.2498% | 3,338 |
| Tier 1 risk-based capital ratio | 11.8103% | 4,515 |
| Total risk-based capital ratio | 12.6230% | 4,648 |
| Memoranda: | ||
| Average total assets | $240,584,330 | 2,551 |
| Average earning assets | $227,502,000 | 2,523 |
| Average equity | $24,824,330 | 2,740 |
| Average total loans | $208,093,670 | 2,130 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 1,745 |
| Cost of funding earning assets | 1.0230% | 1,469 |
| Net interest margin | 3.8318% | 2,413 |
| Noninterest income to average assets | 0.3470% | 3,542 |
| Noninterest expense to average assets | 2.2586% | 4,127 |
| Loan and lease loss provision to assets | 0.0500% | 2,654 |
| Net operating income to assets | 1.6097% | 878 |
| Return on assets (ROA) | 1.6097% | 911 |
| Pretax return on assets | 1.6497% | 1,346 |
| Return on Equity (ROE) | 15.6933% | 633 |
| Retained earnings to average equity (ytd only) | 2.8785% | 3,787 |
| Net charge-offs to loans | 0.0078% | 2,417 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 254.7500% | 317 |
| Efficiency ratio | 57.0586% | 4,211 |
| Assets per employee ($millions) | 5.9719% | 1,568 |
| Cash dividends to net income (ytd only)* | 81.6580% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,455 |
| Loan loss allowance to noncurrent loans | 2,179.4872% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,672 |
| Noncurrent loans to loans | 0.0377% | 4,598 |
| Net loans and leases to total assets | 86.0011% | 187 |
| Net loans and leases to deposits | 104.0852% | 390 |
| Net loans and leases to core deposits | 131.2330% | 293 |
| Total domestic deposits to total assets | 82.6257% | 3,527 |
| Equity capital to assets | 10.3774% | 3,444 |
| Core capital (leverage) ratio | 10.5472% | 2,998 |
| Tier 1 risk-based capital ratio | 11.9002% | 4,517 |
| Total risk-based capital ratio | 12.7169% | 4,658 |
| Memoranda: | ||
| Average total assets | $239,799,000 | 2,585 |
| Average earning assets | $226,003,500 | 2,549 |
| Average equity | $24,596,500 | 2,754 |
| Average total loans | $206,285,000 | 2,164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 1,804 |
| Cost of funding earning assets | 0.8957% | 1,111 |
| Net interest margin | 3.8103% | 2,632 |
| Noninterest income to average assets | 0.3032% | 4,078 |
| Noninterest expense to average assets | 2.2924% | 4,138 |
| Loan and lease loss provision to assets | 0.0513% | 3,157 |
| Net operating income to assets | 1.5242% | 1,059 |
| Return on assets (ROA) | 1.5242% | 1,040 |
| Pretax return on assets | 1.5636% | 1,580 |
| Return on Equity (ROE) | 14.7805% | 878 |
| Retained earnings to average equity (ytd only) | 1.7169% | 4,461 |
| Net charge-offs to loans | 0.0103% | 3,324 |
| Credit loss provision to net charge-offs | 571.4286% | 615 |
| Earnings coverage of net charge-offs (x) | 179.8095% | 485 |
| Efficiency ratio | 58.5924% | 4,066 |
| Assets per employee ($millions) | 5.8713% | 1,615 |
| Cash dividends to net income (ytd only)* | 88.3838% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,482 |
| Loan loss allowance to noncurrent loans | 1,992.8571% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,673 |
| Noncurrent loans to loans | 0.0409% | 4,569 |
| Net loans and leases to total assets | 84.6454% | 354 |
| Net loans and leases to deposits | 102.8410% | 542 |
| Net loans and leases to core deposits | 130.5476% | 309 |
| Total domestic deposits to total assets | 82.3070% | 3,552 |
| Equity capital to assets | 10.1378% | 3,536 |
| Core capital (leverage) ratio | 10.3380% | 3,214 |
| Tier 1 risk-based capital ratio | 11.8765% | 4,516 |
| Total risk-based capital ratio | 12.6848% | 4,662 |
| Memoranda: | ||
| Average total assets | $233,820,600 | 2,588 |
| Average earning assets | $221,164,800 | 2,554 |
| Average equity | $24,112,800 | 2,718 |
| Average total loans | $203,319,400 | 2,151 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,900 |
| Cost of funding earning assets | 0.8396% | 1,153 |
| Net interest margin | 3.7904% | 2,684 |
| Noninterest income to average assets | 0.3407% | 3,868 |
| Noninterest expense to average assets | 2.2846% | 4,140 |
| Loan and lease loss provision to assets | 0.0517% | 2,952 |
| Net operating income to assets | 1.5591% | 1,048 |
| Return on assets (ROA) | 1.5591% | 1,050 |
| Pretax return on assets | 1.5987% | 1,586 |
| Return on Equity (ROE) | 15.0523% | 866 |
| Retained earnings to average equity (ytd only) | 1.9467% | 4,597 |
| Net charge-offs to loans | 0.0118% | 2,990 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 159.6071% | 515 |
| Efficiency ratio | 57.9562% | 4,132 |
| Assets per employee ($millions) | 5.9936% | 1,493 |
| Cash dividends to net income (ytd only)* | 87.0670% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 4,691 |
| Loan loss allowance to noncurrent loans | 1,238.3459% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,695 |
| Noncurrent loans to loans | 0.0629% | 4,607 |
| Net loans and leases to total assets | 85.3886% | 326 |
| Net loans and leases to deposits | 106.8532% | 404 |
| Net loans and leases to core deposits | 134.6594% | 259 |
| Total domestic deposits to total assets | 79.9120% | 4,142 |
| Equity capital to assets | 9.8336% | 3,795 |
| Core capital (leverage) ratio | 10.1317% | 3,487 |
| Tier 1 risk-based capital ratio | 11.3169% | 4,888 |
| Total risk-based capital ratio | 12.0766% | 5,022 |
| Memoranda: | ||
| Average total assets | $232,095,250 | 2,608 |
| Average earning assets | $220,095,000 | 2,575 |
| Average equity | $24,040,000 | 2,735 |
| Average total loans | $202,790,750 | 2,161 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 2,060 |
| Cost of funding earning assets | 0.7704% | 1,279 |
| Net interest margin | 3.7412% | 2,785 |
| Noninterest income to average assets | 0.3147% | 4,072 |
| Noninterest expense to average assets | 2.3564% | 4,008 |
| Loan and lease loss provision to assets | 0.0527% | 2,861 |
| Net operating income to assets | 1.4212% | 1,362 |
| Return on assets (ROA) | 1.4212% | 1,366 |
| Pretax return on assets | 1.4608% | 1,954 |
| Return on Equity (ROE) | 13.4759% | 1,215 |
| Retained earnings to average equity (ytd only) | 0.3500% | 4,900 |
| Net charge-offs to loans | 0.0090% | 2,813 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 191.3333% | 431 |
| Efficiency ratio | 60.7313% | 3,807 |
| Assets per employee ($millions) | 5.8107% | 1,631 |
| Cash dividends to net income (ytd only)* | 97.4026% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 4,777 |
| Loan loss allowance to noncurrent loans | 821.2121% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 4,592 |
| Noncurrent loans to loans | 0.0939% | 4,494 |
| Net loans and leases to total assets | 87.8068% | 146 |
| Net loans and leases to deposits | 103.7108% | 542 |
| Net loans and leases to core deposits | 132.5042% | 290 |
| Total domestic deposits to total assets | 84.6650% | 2,813 |
| Equity capital to assets | 10.0508% | 3,574 |
| Core capital (leverage) ratio | 10.4866% | 3,041 |
| Tier 1 risk-based capital ratio | 11.3933% | 4,842 |
| Total risk-based capital ratio | 12.1581% | 4,992 |
| Memoranda: | ||
| Average total assets | $227,547,330 | 2,657 |
| Average earning assets | $216,239,330 | 2,617 |
| Average equity | $23,998,330 | 2,751 |
| Average total loans | $199,894,330 | 2,188 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 2,042 |
| Cost of funding earning assets | 0.6573% | 1,678 |
| Net interest margin | 3.7859% | 2,475 |
| Noninterest income to average assets | 0.3114% | 4,075 |
| Noninterest expense to average assets | 2.3564% | 4,053 |
| Loan and lease loss provision to assets | 0.0540% | 2,688 |
| Net operating income to assets | 1.4491% | 1,197 |
| Return on assets (ROA) | 1.4491% | 1,203 |
| Pretax return on assets | 1.4887% | 1,707 |
| Return on Equity (ROE) | 13.4027% | 1,161 |
| Retained earnings to average equity (ytd only) | 0.2830% | 4,762 |
| Net charge-offs to loans | 0.0082% | 2,440 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 214.2500% | 317 |
| Efficiency ratio | 60.1108% | 4,049 |
| Assets per employee ($millions) | 5.3398% | 2,102 |
| Cash dividends to net income (ytd only)* | 97.8882% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,706 |
| Loan loss allowance to noncurrent loans | 1,650.5155% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,885 |
| Noncurrent loans to loans | 0.0503% | 4,756 |
| Net loans and leases to total assets | 87.3946% | 169 |
| Net loans and leases to deposits | 100.6079% | 668 |
| Net loans and leases to core deposits | 140.5496% | 208 |
| Total domestic deposits to total assets | 86.8666% | 2,179 |
| Equity capital to assets | 10.9588% | 2,625 |
| Core capital (leverage) ratio | 11.0831% | 2,346 |
| Tier 1 risk-based capital ratio | 12.4632% | 4,266 |
| Total risk-based capital ratio | 13.2878% | 4,414 |
| Memoranda: | ||
| Average total assets | $222,201,000 | 2,733 |
| Average earning assets | $210,569,500 | 2,687 |
| Average equity | $24,025,000 | 2,771 |
| Average total loans | $194,433,000 | 2,237 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,999 |
| Cost of funding earning assets | 0.6191% | 1,479 |
| Net interest margin | 3.7920% | 2,456 |
| Noninterest income to average assets | 0.0767% | 5,468 |
| Noninterest expense to average assets | 2.5253% | 3,697 |
| Loan and lease loss provision to assets | 0.0539% | 3,157 |
| Net operating income to assets | 1.0783% | 1,947 |
| Return on assets (ROA) | 1.0860% | 1,928 |
| Pretax return on assets | 1.1255% | 3,083 |
| Return on Equity (ROE) | 9.9422% | 1,907 |
| Retained earnings to average equity (ytd only) | 0.9367% | 4,646 |
| Net charge-offs to loans | 0.0137% | 3,616 |
| Credit loss provision to net charge-offs | 444.4444% | 704 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 663 |
| Efficiency ratio | 67.3425% | 3,030 |
| Assets per employee ($millions) | 5.4993% | 1,941 |
| Cash dividends to net income (ytd only)* | 90.5785% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,814 |
| Loan loss allowance to noncurrent loans | 2,971.6981% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,039 |
| Noncurrent loans to loans | 0.0271% | 4,893 |
| Net loans and leases to total assets | 86.2001% | 241 |
| Net loans and leases to deposits | 101.6054% | 624 |
| Net loans and leases to core deposits | 141.5513% | 198 |
| Total domestic deposits to total assets | 84.8380% | 2,898 |
| Equity capital to assets | 10.6701% | 2,974 |
| Core capital (leverage) ratio | 10.7669% | 2,571 |
| Tier 1 risk-based capital ratio | 12.2714% | 4,353 |
| Total risk-based capital ratio | 13.0714% | 4,533 |
| Memoranda: | ||
| Average total assets | $222,827,800 | 2,703 |
| Average earning assets | $212,711,200 | 2,635 |
| Average equity | $24,340,800 | 2,729 |
| Average total loans | $196,887,200 | 2,179 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,068 |
| Cost of funding earning assets | 0.6053% | 1,492 |
| Net interest margin | 3.7577% | 2,544 |
| Noninterest income to average assets | 0.2965% | 4,412 |
| Noninterest expense to average assets | 2.3555% | 4,136 |
| Loan and lease loss provision to assets | 0.0540% | 3,015 |
| Net operating income to assets | 1.4509% | 991 |
| Return on assets (ROA) | 1.4613% | 989 |
| Pretax return on assets | 1.5003% | 1,765 |
| Return on Equity (ROE) | 13.2994% | 985 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,468 |
| Net charge-offs to loans | 0.0142% | 3,238 |
| Credit loss provision to net charge-offs | 428.5714% | 730 |
| Earnings coverage of net charge-offs (x) | 122.4732% | 620 |
| Efficiency ratio | 59.4890% | 4,292 |
| Assets per employee ($millions) | 5.6497% | 1,781 |
| Cash dividends to net income (ytd only)* | 57.6590% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 4,966 |
| Loan loss allowance to noncurrent loans | 3,692.8571% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,160 |
| Noncurrent loans to loans | 0.0210% | 5,034 |
| Net loans and leases to total assets | 87.9874% | 154 |
| Net loans and leases to deposits | 104.5036% | 475 |
| Net loans and leases to core deposits | 145.9773% | 146 |
| Total domestic deposits to total assets | 84.1956% | 3,045 |
| Equity capital to assets | 11.0449% | 2,825 |
| Core capital (leverage) ratio | 11.0322% | 2,425 |
| Tier 1 risk-based capital ratio | 12.3849% | 4,388 |
| Total risk-based capital ratio | 13.1563% | 4,572 |
| Memoranda: | ||
| Average total assets | $222,166,750 | 2,735 |
| Average earning assets | $212,994,750 | 2,657 |
| Average equity | $24,411,500 | 2,739 |
| Average total loans | $197,126,000 | 2,188 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,151 |
| Cost of funding earning assets | 0.5813% | 1,567 |
| Net interest margin | 3.7134% | 2,604 |
| Noninterest income to average assets | 0.2979% | 4,406 |
| Noninterest expense to average assets | 2.3649% | 4,163 |
| Loan and lease loss provision to assets | 0.0543% | 2,889 |
| Net operating income to assets | 1.3973% | 1,078 |
| Return on assets (ROA) | 1.4061% | 1,078 |
| Pretax return on assets | 1.4450% | 1,840 |
| Return on Equity (ROE) | 12.8195% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.0931% | 2,644 |
| Net charge-offs to loans | 0.0163% | 2,917 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 102.8750% | 644 |
| Efficiency ratio | 60.4039% | 4,265 |
| Assets per employee ($millions) | 5.3737% | 1,992 |
| Cash dividends to net income (ytd only)* | 60.2704% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 5,047 |
| Loan loss allowance to noncurrent loans | 2,461.2903% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 5,156 |
| Noncurrent loans to loans | 0.0309% | 5,036 |
| Net loans and leases to total assets | 88.1331% | 140 |
| Net loans and leases to deposits | 104.2412% | 484 |
| Net loans and leases to core deposits | 148.6726% | 131 |
| Total domestic deposits to total assets | 84.5473% | 2,995 |
| Equity capital to assets | 10.9050% | 2,919 |
| Core capital (leverage) ratio | 11.0104% | 2,391 |
| Tier 1 risk-based capital ratio | 12.1571% | 4,521 |
| Total risk-based capital ratio | 12.9168% | 4,739 |
| Memoranda: | ||
| Average total assets | $220,893,330 | 2,756 |
| Average earning assets | $211,611,670 | 2,685 |
| Average equity | $24,228,670 | 2,755 |
| Average total loans | $196,037,670 | 2,204 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 2,247 |
| Cost of funding earning assets | 0.5441% | 1,755 |
| Net interest margin | 3.6649% | 2,631 |
| Noninterest income to average assets | 0.3112% | 4,325 |
| Noninterest expense to average assets | 2.2847% | 4,442 |
| Loan and lease loss provision to assets | 0.0549% | 2,709 |
| Net operating income to assets | 1.4353% | 928 |
| Return on assets (ROA) | 1.4353% | 952 |
| Pretax return on assets | 1.4737% | 1,629 |
| Return on Equity (ROE) | 13.0466% | 989 |
| Retained earnings to average equity (ytd only) | 5.2586% | 2,752 |
| Net charge-offs to loans | 0.0206% | 2,367 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 634 |
| Efficiency ratio | 58.9534% | 4,594 |
| Assets per employee ($millions) | 5.1539% | 2,238 |
| Cash dividends to net income (ytd only)* | 59.6939% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 5,120 |
| Loan loss allowance to noncurrent loans | 8,344.4444% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,333 |
| Noncurrent loans to loans | 0.0093% | 5,213 |
| Net loans and leases to total assets | 88.6950% | 92 |
| Net loans and leases to deposits | 104.7254% | 372 |
| Net loans and leases to core deposits | 143.4921% | 144 |
| Total domestic deposits to total assets | 84.6929% | 3,220 |
| Equity capital to assets | 11.1775% | 2,445 |
| Core capital (leverage) ratio | 11.2783% | 2,122 |
| Tier 1 risk-based capital ratio | 12.5938% | 4,328 |
| Total risk-based capital ratio | 13.3801% | 4,528 |
| Memoranda: | ||
| Average total assets | $218,492,500 | 2,803 |
| Average earning assets | $208,794,000 | 2,740 |
| Average equity | $24,037,000 | 2,786 |
| Average total loans | $193,837,500 | 2,233 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,397 |
| Cost of funding earning assets | 0.5165% | 1,969 |
| Net interest margin | 3.7111% | 2,649 |
| Noninterest income to average assets | 0.2974% | 4,612 |
| Noninterest expense to average assets | 2.4108% | 4,281 |
| Loan and lease loss provision to assets | 0.0562% | 3,255 |
| Net operating income to assets | 1.3244% | 1,163 |
| Return on assets (ROA) | 1.3122% | 1,245 |
| Pretax return on assets | 1.3510% | 2,101 |
| Return on Equity (ROE) | 11.9543% | 1,258 |
| Retained earnings to average equity (ytd only) | 3.9634% | 3,101 |
| Net charge-offs to loans | 0.0123% | 3,858 |
| Credit loss provision to net charge-offs | 521.7391% | 639 |
| Earnings coverage of net charge-offs (x) | 131.8261% | 471 |
| Efficiency ratio | 61.9560% | 4,259 |
| Assets per employee ($millions) | 5.3786% | 1,974 |
| Cash dividends to net income (ytd only)* | 66.8451% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 5,207 |
| Loan loss allowance to noncurrent loans | 6,443.4783% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,364 |
| Noncurrent loans to loans | 0.0118% | 5,238 |
| Net loans and leases to total assets | 87.3832% | 156 |
| Net loans and leases to deposits | 103.8075% | 436 |
| Net loans and leases to core deposits | 140.4365% | 172 |
| Total domestic deposits to total assets | 84.1781% | 3,357 |
| Equity capital to assets | 10.8283% | 2,785 |
| Core capital (leverage) ratio | 11.1415% | 2,215 |
| Tier 1 risk-based capital ratio | 12.2768% | 4,519 |
| Total risk-based capital ratio | 13.0447% | 4,761 |
| Memoranda: | ||
| Average total assets | $213,542,200 | 2,817 |
| Average earning assets | $203,309,600 | 2,758 |
| Average equity | $23,439,200 | 2,853 |
| Average total loans | $186,652,600 | 2,242 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 2,394 |
| Cost of funding earning assets | 0.5161% | 1,968 |
| Net interest margin | 3.7189% | 2,643 |
| Noninterest income to average assets | 0.2814% | 4,754 |
| Noninterest expense to average assets | 2.4306% | 4,193 |
| Loan and lease loss provision to assets | 0.0567% | 3,110 |
| Net operating income to assets | 1.2976% | 1,299 |
| Return on assets (ROA) | 1.2811% | 1,453 |
| Pretax return on assets | 1.3201% | 2,347 |
| Return on Equity (ROE) | 11.6303% | 1,436 |
| Retained earnings to average equity (ytd only) | 3.6062% | 3,727 |
| Net charge-offs to loans | 0.0123% | 3,519 |
| Credit loss provision to net charge-offs | 529.4118% | 675 |
| Earnings coverage of net charge-offs (x) | 130.2131% | 526 |
| Efficiency ratio | 62.5679% | 4,129 |
| Assets per employee ($millions) | 5.2561% | 2,090 |
| Cash dividends to net income (ytd only)* | 68.9924% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 5,295 |
| Loan loss allowance to noncurrent loans | 6,075.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,482 |
| Noncurrent loans to loans | 0.0126% | 5,350 |
| Net loans and leases to total assets | 87.9230% | 138 |
| Net loans and leases to deposits | 103.7906% | 469 |
| Net loans and leases to core deposits | 135.1019% | 243 |
| Total domestic deposits to total assets | 84.7119% | 2,939 |
| Equity capital to assets | 11.0027% | 3,008 |
| Core capital (leverage) ratio | 10.9250% | 2,533 |
| Tier 1 risk-based capital ratio | 12.4060% | 4,533 |
| Total risk-based capital ratio | 13.1811% | 4,725 |
| Memoranda: | ||
| Average total assets | $211,797,000 | 2,850 |
| Average earning assets | $201,777,000 | 2,783 |
| Average equity | $23,329,250 | 2,879 |
| Average total loans | $184,770,250 | 2,266 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,530 |
| Cost of funding earning assets | 0.5098% | 2,027 |
| Net interest margin | 3.6842% | 2,760 |
| Noninterest income to average assets | 0.2736% | 4,825 |
| Noninterest expense to average assets | 2.4202% | 4,271 |
| Loan and lease loss provision to assets | 0.0570% | 2,998 |
| Net operating income to assets | 1.2644% | 1,374 |
| Return on assets (ROA) | 1.2395% | 1,568 |
| Pretax return on assets | 1.2785% | 2,492 |
| Return on Equity (ROE) | 11.2490% | 1,557 |
| Retained earnings to average equity (ytd only) | 3.1808% | 3,877 |
| Net charge-offs to loans | 0.0088% | 3,401 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 179.1250% | 362 |
| Efficiency ratio | 62.9992% | 4,178 |
| Assets per employee ($millions) | 5.1703% | 2,117 |
| Cash dividends to net income (ytd only)* | 71.7241% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 5,354 |
| Loan loss allowance to noncurrent loans | 10,264.2857% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,609 |
| Noncurrent loans to loans | 0.0075% | 5,477 |
| Net loans and leases to total assets | 87.5985% | 158 |
| Net loans and leases to deposits | 102.7785% | 520 |
| Net loans and leases to core deposits | 134.4868% | 246 |
| Total domestic deposits to total assets | 85.2304% | 2,770 |
| Equity capital to assets | 11.0740% | 2,973 |
| Core capital (leverage) ratio | 10.8442% | 2,601 |
| Tier 1 risk-based capital ratio | 12.5056% | 4,517 |
| Total risk-based capital ratio | 13.2869% | 4,715 |
| Memoranda: | ||
| Average total assets | $210,562,330 | 2,879 |
| Average earning assets | $200,478,330 | 2,808 |
| Average equity | $23,202,000 | 2,898 |
| Average total loans | $182,716,000 | 2,290 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 2,642 |
| Cost of funding earning assets | 0.4937% | 2,154 |
| Net interest margin | 3.6583% | 2,857 |
| Noninterest income to average assets | 0.2707% | 4,798 |
| Noninterest expense to average assets | 2.3750% | 4,440 |
| Loan and lease loss provision to assets | 0.0572% | 2,803 |
| Net operating income to assets | 1.2738% | 1,324 |
| Return on assets (ROA) | 1.2275% | 1,575 |
| Pretax return on assets | 1.2657% | 2,446 |
| Return on Equity (ROE) | 11.1682% | 1,543 |
| Retained earnings to average equity (ytd only) | 3.0522% | 3,985 |
| Net charge-offs to loans | 0.0089% | 2,828 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 179.7500% | 340 |
| Efficiency ratio | 62.3919% | 4,389 |
| Assets per employee ($millions) | 5.2393% | 2,094 |
| Cash dividends to net income (ytd only)* | 72.6708% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 5,439 |
| Loan loss allowance to noncurrent loans | 1,184.8739% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 5,385 |
| Noncurrent loans to loans | 0.0651% | 5,216 |
| Net loans and leases to total assets | 86.5511% | 191 |
| Net loans and leases to deposits | 106.3486% | 326 |
| Net loans and leases to core deposits | 134.9759% | 219 |
| Total domestic deposits to total assets | 81.3844% | 4,383 |
| Equity capital to assets | 11.0760% | 2,855 |
| Core capital (leverage) ratio | 11.0289% | 2,383 |
| Tier 1 risk-based capital ratio | 12.6574% | 4,479 |
| Total risk-based capital ratio | 13.4415% | 4,689 |
| Memoranda: | ||
| Average total assets | $209,852,000 | 2,894 |
| Average earning assets | $199,325,500 | 2,824 |
| Average equity | $23,065,500 | 2,917 |
| Average total loans | $180,508,500 | 2,302 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 2,662 |
| Cost of funding earning assets | 0.4609% | 2,531 |
| Net interest margin | 3.7094% | 2,717 |
| Noninterest income to average assets | 0.2649% | 4,980 |
| Noninterest expense to average assets | 2.3297% | 4,705 |
| Loan and lease loss provision to assets | 0.0594% | 3,116 |
| Net operating income to assets | 1.3476% | 1,159 |
| Return on assets (ROA) | 1.3490% | 1,192 |
| Pretax return on assets | 1.3876% | 1,946 |
| Return on Equity (ROE) | 12.2548% | 1,241 |
| Retained earnings to average equity (ytd only) | 5.6439% | 1,989 |
| Net charge-offs to loans | 0.0029% | 4,362 |
| Credit loss provision to net charge-offs | 2,400.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 584.0000% | 109 |
| Efficiency ratio | 60.6609% | 4,806 |
| Assets per employee ($millions) | 5.3880% | 1,913 |
| Cash dividends to net income (ytd only)* | 53.9450% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 5,471 |
| Loan loss allowance to noncurrent loans | 6,595.2381% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,667 |
| Noncurrent loans to loans | 0.0118% | 5,486 |
| Net loans and leases to total assets | 84.1543% | 376 |
| Net loans and leases to deposits | 104.0463% | 433 |
| Net loans and leases to core deposits | 131.6685% | 244 |
| Total domestic deposits to total assets | 80.8816% | 4,514 |
| Equity capital to assets | 10.9069% | 2,925 |
| Core capital (leverage) ratio | 10.9897% | 2,417 |
| Tier 1 risk-based capital ratio | 12.8299% | 4,434 |
| Total risk-based capital ratio | 13.6170% | 4,611 |
| Memoranda: | ||
| Average total assets | $202,000,200 | 2,927 |
| Average earning assets | $191,161,600 | 2,876 |
| Average equity | $22,236,200 | 2,949 |
| Average total loans | $170,277,200 | 2,354 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 2,716 |
| Cost of funding earning assets | 0.4518% | 2,663 |
| Net interest margin | 3.7088% | 2,729 |
| Noninterest income to average assets | 0.2667% | 5,027 |
| Noninterest expense to average assets | 2.3583% | 4,629 |
| Loan and lease loss provision to assets | 0.0600% | 2,981 |
| Net operating income to assets | 1.3222% | 1,285 |
| Return on assets (ROA) | 1.3222% | 1,342 |
| Pretax return on assets | 1.3622% | 2,171 |
| Return on Equity (ROE) | 11.9822% | 1,383 |
| Retained earnings to average equity (ytd only) | 5.3174% | 2,707 |
| Net charge-offs to loans | 0.0032% | 4,077 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 533.5704% | 132 |
| Efficiency ratio | 61.3228% | 4,672 |
| Assets per employee ($millions) | 5.3358% | 1,924 |
| Cash dividends to net income (ytd only)* | 55.6229% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 5,591 |
| Loan loss allowance to noncurrent loans | 7,976.4706% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,775 |
| Noncurrent loans to loans | 0.0096% | 5,603 |
| Net loans and leases to total assets | 84.1399% | 376 |
| Net loans and leases to deposits | 105.0645% | 404 |
| Net loans and leases to core deposits | 130.4906% | 268 |
| Total domestic deposits to total assets | 80.0841% | 4,722 |
| Equity capital to assets | 10.8696% | 3,171 |
| Core capital (leverage) ratio | 10.7600% | 2,760 |
| Tier 1 risk-based capital ratio | 12.5031% | 4,755 |
| Total risk-based capital ratio | 13.2691% | 4,987 |
| Memoranda: | ||
| Average total assets | $199,967,000 | 2,970 |
| Average earning assets | $189,453,500 | 2,921 |
| Average equity | $22,065,500 | 2,982 |
| Average total loans | $168,291,250 | 2,387 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 2,857 |
| Cost of funding earning assets | 0.4434% | 2,799 |
| Net interest margin | 3.6668% | 2,846 |
| Noninterest income to average assets | 0.2687% | 5,031 |
| Noninterest expense to average assets | 2.3837% | 4,603 |
| Loan and lease loss provision to assets | 0.0608% | 2,890 |
| Net operating income to assets | 1.2562% | 1,443 |
| Return on assets (ROA) | 1.2562% | 1,498 |
| Pretax return on assets | 1.2958% | 2,381 |
| Return on Equity (ROE) | 11.3249% | 1,580 |
| Retained earnings to average equity (ytd only) | 4.6067% | 3,103 |
| Net charge-offs to loans | 0.0024% | 3,817 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 669.0000% | 93 |
| Efficiency ratio | 62.6457% | 4,567 |
| Assets per employee ($millions) | 5.3302% | 1,901 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 5,665 |
| Loan loss allowance to noncurrent loans | 6,989.4737% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,859 |
| Noncurrent loans to loans | 0.0110% | 5,721 |
| Net loans and leases to total assets | 84.2920% | 350 |
| Net loans and leases to deposits | 100.5969% | 614 |
| Net loans and leases to core deposits | 122.6278% | 400 |
| Total domestic deposits to total assets | 83.7919% | 3,653 |
| Equity capital to assets | 10.9367% | 2,953 |
| Core capital (leverage) ratio | 10.8638% | 2,555 |
| Tier 1 risk-based capital ratio | 12.5987% | 4,742 |
| Total risk-based capital ratio | 13.3691% | 4,964 |
| Memoranda: | ||
| Average total assets | $197,257,670 | 3,020 |
| Average earning assets | $186,756,000 | 2,964 |
| Average equity | $21,881,000 | 3,008 |
| Average total loans | $165,572,670 | 2,425 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,028 |
| Cost of funding earning assets | 0.4398% | 2,881 |
| Net interest margin | 3.6144% | 2,945 |
| Noninterest income to average assets | 0.2816% | 4,926 |
| Noninterest expense to average assets | 2.4356% | 4,492 |
| Loan and lease loss provision to assets | 0.0617% | 2,696 |
| Net operating income to assets | 1.1551% | 1,686 |
| Return on assets (ROA) | 1.1551% | 1,789 |
| Pretax return on assets | 1.1962% | 2,686 |
| Return on Equity (ROE) | 10.3378% | 1,854 |
| Retained earnings to average equity (ytd only) | 3.5686% | 3,860 |
| Net charge-offs to loans | 0.0025% | 3,234 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 612.0000% | 85 |
| Efficiency ratio | 64.8303% | 4,340 |
| Assets per employee ($millions) | 4.9088% | 2,478 |
| Cash dividends to net income (ytd only)* | 65.4804% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 5,688 |
| Loan loss allowance to noncurrent loans | 9,992.3077% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,931 |
| Noncurrent loans to loans | 0.0080% | 5,780 |
| Net loans and leases to total assets | 83.8364% | 321 |
| Net loans and leases to deposits | 97.1397% | 758 |
| Net loans and leases to core deposits | 118.0886% | 455 |
| Total domestic deposits to total assets | 86.3051% | 2,765 |
| Equity capital to assets | 11.4504% | 2,514 |
| Core capital (leverage) ratio | 11.0983% | 2,318 |
| Tier 1 risk-based capital ratio | 13.1725% | 4,519 |
| Total risk-based capital ratio | 13.9761% | 4,692 |
| Memoranda: | ||
| Average total assets | $194,613,000 | 3,063 |
| Average earning assets | $183,712,000 | 3,015 |
| Average equity | $21,745,500 | 3,044 |
| Average total loans | $162,329,500 | 2,468 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,946 |
| Cost of funding earning assets | 0.5043% | 2,626 |
| Net interest margin | 3.6986% | 3,014 |
| Noninterest income to average assets | 0.2578% | 5,285 |
| Noninterest expense to average assets | 2.3410% | 4,998 |
| Loan and lease loss provision to assets | 0.0621% | 3,277 |
| Net operating income to assets | 1.2916% | 1,320 |
| Return on assets (ROA) | 1.2916% | 1,374 |
| Pretax return on assets | 1.3325% | 2,135 |
| Return on Equity (ROE) | 11.9912% | 1,417 |
| Retained earnings to average equity (ytd only) | 6.2239% | 1,792 |
| Net charge-offs to loans | 0.0107% | 4,695 |
| Credit loss provision to net charge-offs | 705.8824% | 375 |
| Earnings coverage of net charge-offs (x) | 158.4706% | 346 |
| Efficiency ratio | 61.5576% | 4,980 |
| Assets per employee ($millions) | 4.9446% | 2,394 |
| Cash dividends to net income (ytd only)* | 48.0962% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 5,828 |
| Loan loss allowance to noncurrent loans | 7,470.5882% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,037 |
| Noncurrent loans to loans | 0.0104% | 5,875 |
| Net loans and leases to total assets | 81.7012% | 556 |
| Net loans and leases to deposits | 94.2244% | 1,058 |
| Net loans and leases to core deposits | 113.9554% | 608 |
| Total domestic deposits to total assets | 86.7092% | 2,444 |
| Equity capital to assets | 10.9059% | 3,002 |
| Core capital (leverage) ratio | 10.8041% | 2,610 |
| Tier 1 risk-based capital ratio | 12.0449% | 5,333 |
| Total risk-based capital ratio | 12.7755% | 5,567 |
| Memoranda: | ||
| Average total assets | $193,164,200 | 3,066 |
| Average earning assets | $181,637,400 | 3,019 |
| Average equity | $20,807,000 | 3,071 |
| Average total loans | $159,176,600 | 2,435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 3,087 |
| Cost of funding earning assets | 0.5097% | 2,663 |
| Net interest margin | 3.6610% | 3,185 |
| Noninterest income to average assets | 0.2986% | 5,066 |
| Noninterest expense to average assets | 2.3637% | 4,931 |
| Loan and lease loss provision to assets | 0.0625% | 3,106 |
| Net operating income to assets | 1.2825% | 1,422 |
| Return on assets (ROA) | 1.2825% | 1,475 |
| Pretax return on assets | 1.3235% | 2,294 |
| Return on Equity (ROE) | 11.9450% | 1,494 |
| Retained earnings to average equity (ytd only) | 6.1245% | 2,333 |
| Net charge-offs to loans | 0.0126% | 4,303 |
| Credit loss provision to net charge-offs | 600.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 133.0635% | 449 |
| Efficiency ratio | 61.9259% | 4,894 |
| Assets per employee ($millions) | 4.9188% | 2,352 |
| Cash dividends to net income (ytd only)* | 48.7276% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 5,935 |
| Loan loss allowance to noncurrent loans | 1,217.6471% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 5,938 |
| Noncurrent loans to loans | 0.0636% | 5,757 |
| Net loans and leases to total assets | 82.9212% | 417 |
| Net loans and leases to deposits | 94.3359% | 1,007 |
| Net loans and leases to core deposits | 116.5022% | 485 |
| Total domestic deposits to total assets | 87.9000% | 1,815 |
| Equity capital to assets | 11.0262% | 2,930 |
| Core capital (leverage) ratio | 10.6724% | 2,843 |
| Tier 1 risk-based capital ratio | 12.0733% | 5,438 |
| Total risk-based capital ratio | 12.8017% | 5,690 |
| Memoranda: | ||
| Average total assets | $192,009,500 | 3,102 |
| Average earning assets | $181,000,500 | 3,043 |
| Average equity | $20,616,250 | 3,103 |
| Average total loans | $158,255,500 | 2,463 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 3,227 |
| Cost of funding earning assets | 0.5022% | 2,814 |
| Net interest margin | 3.6282% | 3,240 |
| Noninterest income to average assets | 0.2905% | 5,096 |
| Noninterest expense to average assets | 2.3502% | 5,021 |
| Loan and lease loss provision to assets | 0.0625% | 3,021 |
| Net operating income to assets | 1.2527% | 1,440 |
| Return on assets (ROA) | 1.2527% | 1,503 |
| Pretax return on assets | 1.2933% | 2,275 |
| Return on Equity (ROE) | 11.7724% | 1,489 |
| Retained earnings to average equity (ytd only) | 5.9009% | 2,380 |
| Net charge-offs to loans | -0.0114% | 5,359 |
| Credit loss provision to net charge-offs | -666.6667% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2928% | 4,968 |
| Assets per employee ($millions) | 5.2615% | 1,906 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 6,043 |
| Loan loss allowance to noncurrent loans | 792.3077% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 5,935 |
| Noncurrent loans to loans | 0.0975% | 5,728 |
| Net loans and leases to total assets | 81.5761% | 511 |
| Net loans and leases to deposits | 92.1589% | 1,129 |
| Net loans and leases to core deposits | 114.2789% | 527 |
| Total domestic deposits to total assets | 88.5169% | 1,629 |
| Equity capital to assets | 10.6952% | 3,206 |
| Core capital (leverage) ratio | 10.5739% | 2,854 |
| Tier 1 risk-based capital ratio | 11.9131% | 5,587 |
| Total risk-based capital ratio | 12.6412% | 5,809 |
| Memoranda: | ||
| Average total assets | $192,068,000 | 3,124 |
| Average earning assets | $180,804,000 | 3,071 |
| Average equity | $20,437,670 | 3,125 |
| Average total loans | $157,569,670 | 2,478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 3,326 |
| Cost of funding earning assets | 0.5010% | 2,897 |
| Net interest margin | 3.5874% | 3,304 |
| Noninterest income to average assets | 0.3040% | 4,918 |
| Noninterest expense to average assets | 2.3778% | 4,987 |
| Loan and lease loss provision to assets | 0.0629% | 2,864 |
| Net operating income to assets | 1.1868% | 1,520 |
| Return on assets (ROA) | 1.1868% | 1,590 |
| Pretax return on assets | 1.2266% | 2,364 |
| Return on Equity (ROE) | 11.1825% | 1,627 |
| Retained earnings to average equity (ytd only) | 5.2554% | 2,957 |
| Net charge-offs to loans | -0.0128% | 5,140 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6935% | 4,907 |
| Assets per employee ($millions) | 5.7565% | 1,492 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 6,167 |
| Loan loss allowance to noncurrent loans | 834.7222% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,020 |
| Noncurrent loans to loans | 0.0916% | 5,850 |
| Net loans and leases to total assets | 82.1556% | 345 |
| Net loans and leases to deposits | 95.0272% | 717 |
| Net loans and leases to core deposits | 119.3311% | 338 |
| Total domestic deposits to total assets | 86.4548% | 3,135 |
| Equity capital to assets | 10.7562% | 2,978 |
| Core capital (leverage) ratio | 10.6863% | 2,718 |
| Tier 1 risk-based capital ratio | 12.0489% | 5,611 |
| Total risk-based capital ratio | 12.7785% | 5,850 |
| Memoranda: | ||
| Average total assets | $190,763,500 | 3,158 |
| Average earning assets | $178,848,500 | 3,114 |
| Average equity | $20,246,000 | 3,142 |
| Average total loans | $156,331,500 | 2,503 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 3,622 |
| Cost of funding earning assets | 0.5129% | 3,473 |
| Net interest margin | 3.6172% | 3,384 |
| Noninterest income to average assets | 0.2518% | 5,544 |
| Noninterest expense to average assets | 2.3279% | 5,296 |
| Loan and lease loss provision to assets | 0.0646% | 3,841 |
| Net operating income to assets | 1.2030% | 1,553 |
| Return on assets (ROA) | 1.2030% | 1,626 |
| Pretax return on assets | 1.2439% | 2,397 |
| Return on Equity (ROE) | 11.3832% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.0276% | 1,950 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8347% | 5,083 |
| Assets per employee ($millions) | 5.4732% | 1,675 |
| Cash dividends to net income (ytd only)* | 47.0483% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 6,265 |
| Loan loss allowance to noncurrent loans | 703.0120% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 6,085 |
| Noncurrent loans to loans | 0.1068% | 5,888 |
| Net loans and leases to total assets | 80.5103% | 542 |
| Net loans and leases to deposits | 95.7397% | 751 |
| Net loans and leases to core deposits | 119.7869% | 336 |
| Total domestic deposits to total assets | 84.0930% | 4,128 |
| Equity capital to assets | 10.4712% | 3,199 |
| Core capital (leverage) ratio | 10.3228% | 3,124 |
| Tier 1 risk-based capital ratio | 11.8881% | 5,685 |
| Total risk-based capital ratio | 12.5973% | 5,930 |
| Memoranda: | ||
| Average total assets | $185,873,600 | 3,212 |
| Average earning assets | $173,920,200 | 3,167 |
| Average equity | $19,643,000 | 3,194 |
| Average total loans | $148,250,400 | 2,585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,801 |
| Cost of funding earning assets | 0.5077% | 3,694 |
| Net interest margin | 3.5831% | 3,525 |
| Noninterest income to average assets | 0.2255% | 5,813 |
| Noninterest expense to average assets | 2.3182% | 5,283 |
| Loan and lease loss provision to assets | 0.0651% | 3,756 |
| Net operating income to assets | 1.1587% | 1,778 |
| Return on assets (ROA) | 1.1587% | 1,846 |
| Pretax return on assets | 1.1992% | 2,696 |
| Return on Equity (ROE) | 10.9385% | 1,839 |
| Retained earnings to average equity (ytd only) | 5.8071% | 2,534 |
| Net charge-offs to loans | 0.0064% | 5,045 |
| Credit loss provision to net charge-offs | 1,285.7143% | 247 |
| Earnings coverage of net charge-offs (x) | 249.9400% | 236 |
| Efficiency ratio | 63.4988% | 4,887 |
| Assets per employee ($millions) | 6.0157% | 1,234 |
| Cash dividends to net income (ytd only)* | 46.9120% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 6,417 |
| Loan loss allowance to noncurrent loans | 742.7632% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 6,188 |
| Noncurrent loans to loans | 0.0967% | 6,047 |
| Net loans and leases to total assets | 81.0661% | 445 |
| Net loans and leases to deposits | 100.5017% | 449 |
| Net loans and leases to core deposits | 104.3931% | 855 |
| Total domestic deposits to total assets | 80.6614% | 5,315 |
| Equity capital to assets | 10.2992% | 3,514 |
| Core capital (leverage) ratio | 10.3044% | 3,239 |
| Tier 1 risk-based capital ratio | 11.5978% | 6,006 |
| Total risk-based capital ratio | 12.2793% | 6,230 |
| Memoranda: | ||
| Average total assets | $184,451,250 | 3,258 |
| Average earning assets | $172,805,750 | 3,203 |
| Average equity | $19,539,000 | 3,239 |
| Average total loans | $146,464,250 | 2,629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,912 |
| Cost of funding earning assets | 0.5196% | 3,704 |
| Net interest margin | 3.5335% | 3,641 |
| Noninterest income to average assets | 0.2058% | 5,971 |
| Noninterest expense to average assets | 2.3679% | 5,149 |
| Loan and lease loss provision to assets | 0.0660% | 3,709 |
| Net operating income to assets | 1.0310% | 2,198 |
| Return on assets (ROA) | 1.0310% | 2,315 |
| Pretax return on assets | 1.0717% | 3,210 |
| Return on Equity (ROE) | 9.6383% | 2,351 |
| Retained earnings to average equity (ytd only) | 4.4951% | 3,406 |
| Net charge-offs to loans | -0.0042% | 5,603 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2900% | 4,497 |
| Assets per employee ($millions) | 5.6780% | 1,438 |
| Cash dividends to net income (ytd only)* | 53.3618% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 6,419 |
| Loan loss allowance to noncurrent loans | 1,818.0328% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,396 |
| Noncurrent loans to loans | 0.0418% | 6,270 |
| Net loans and leases to total assets | 79.7625% | 557 |
| Net loans and leases to deposits | 91.5440% | 1,008 |
| Net loans and leases to core deposits | 107.4465% | 660 |
| Total domestic deposits to total assets | 87.1302% | 2,744 |
| Equity capital to assets | 10.6546% | 3,111 |
| Core capital (leverage) ratio | 10.4999% | 2,874 |
| Tier 1 risk-based capital ratio | 11.9085% | 5,845 |
| Total risk-based capital ratio | 12.6119% | 6,137 |
| Memoranda: | ||
| Average total assets | $181,768,000 | 3,294 |
| Average earning assets | $169,746,670 | 3,257 |
| Average equity | $19,443,330 | 3,269 |
| Average total loans | $142,891,670 | 2,673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 4,174 |
| Cost of funding earning assets | 0.5496% | 3,574 |
| Net interest margin | 3.4372% | 3,975 |
| Noninterest income to average assets | 0.3278% | 5,083 |
| Noninterest expense to average assets | 2.3762% | 5,186 |
| Loan and lease loss provision to assets | 0.0660% | 3,534 |
| Net operating income to assets | 1.0187% | 2,148 |
| Return on assets (ROA) | 1.0187% | 2,268 |
| Pretax return on assets | 1.0781% | 3,035 |
| Return on Equity (ROE) | 9.5045% | 2,259 |
| Retained earnings to average equity (ytd only) | 4.3725% | 3,613 |
| Net charge-offs to loans | -0.0170% | 5,646 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2500% | 4,624 |
| Assets per employee ($millions) | 5.3062% | 1,857 |
| Cash dividends to net income (ytd only)* | 53.9957% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 6,490 |
| Loan loss allowance to noncurrent loans | 1,523.9437% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 6,470 |
| Noncurrent loans to loans | 0.0512% | 6,325 |
| Net loans and leases to total assets | 76.3378% | 798 |
| Net loans and leases to deposits | 86.4587% | 1,299 |
| Net loans and leases to core deposits | 97.0755% | 1,138 |
| Total domestic deposits to total assets | 88.2939% | 2,132 |
| Equity capital to assets | 10.8592% | 3,129 |
| Core capital (leverage) ratio | 10.3573% | 2,955 |
| Tier 1 risk-based capital ratio | 12.3308% | 5,692 |
| Total risk-based capital ratio | 13.0507% | 6,005 |
| Memoranda: | ||
| Average total assets | $181,803,500 | 3,326 |
| Average earning assets | $168,859,000 | 3,295 |
| Average equity | $19,485,500 | 3,316 |
| Average total loans | $141,320,000 | 2,704 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 3,655 |
| Cost of funding earning assets | 0.7295% | 3,260 |
| Net interest margin | 3.7107% | 3,602 |
| Noninterest income to average assets | 0.2870% | 5,417 |
| Noninterest expense to average assets | 2.3711% | 5,490 |
| Loan and lease loss provision to assets | 0.0690% | 4,885 |
| Net operating income to assets | 1.2620% | 1,417 |
| Return on assets (ROA) | 1.2514% | 1,602 |
| Pretax return on assets | 1.2934% | 2,438 |
| Return on Equity (ROE) | 11.6084% | 1,620 |
| Retained earnings to average equity (ytd only) | 6.2737% | 1,929 |
| Net charge-offs to loans | -0.0043% | 6,371 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0949% | 5,224 |
| Assets per employee ($millions) | 5.3881% | 1,798 |
| Cash dividends to net income (ytd only)* | 45.9559% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 6,602 |
| Loan loss allowance to noncurrent loans | 1,584.8485% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,546 |
| Noncurrent loans to loans | 0.0459% | 6,391 |
| Net loans and leases to total assets | 77.9440% | 683 |
| Net loans and leases to deposits | 88.1295% | 1,258 |
| Net loans and leases to core deposits | 101.1970% | 946 |
| Total domestic deposits to total assets | 88.4425% | 1,929 |
| Equity capital to assets | 10.5788% | 3,425 |
| Core capital (leverage) ratio | 10.3648% | 2,932 |
| Tier 1 risk-based capital ratio | 11.8773% | 5,857 |
| Total risk-based capital ratio | 12.5562% | 6,179 |
| Memoranda: | ||
| Average total assets | $173,882,200 | 3,387 |
| Average earning assets | $162,018,000 | 3,347 |
| Average equity | $18,745,000 | 3,368 |
| Average total loans | $139,391,000 | 2,725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 3,713 |
| Cost of funding earning assets | 0.7630% | 3,247 |
| Net interest margin | 3.7178% | 3,714 |
| Noninterest income to average assets | 0.2891% | 5,471 |
| Noninterest expense to average assets | 2.4124% | 5,359 |
| Loan and lease loss provision to assets | 0.0699% | 4,795 |
| Net operating income to assets | 1.2505% | 1,577 |
| Return on assets (ROA) | 1.2497% | 1,743 |
| Pretax return on assets | 1.2901% | 2,639 |
| Return on Equity (ROE) | 11.5351% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.1549% | 2,598 |
| Net charge-offs to loans | -0.0116% | 6,389 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6982% | 5,032 |
| Assets per employee ($millions) | 5.0704% | 2,093 |
| Cash dividends to net income (ytd only)* | 46.6419% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7078% | 6,742 |
| Loan loss allowance to noncurrent loans | 1,161.3636% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 6,612 |
| Noncurrent loans to loans | 0.0609% | 6,465 |
| Net loans and leases to total assets | 83.1616% | 270 |
| Net loans and leases to deposits | 96.4609% | 632 |
| Net loans and leases to core deposits | 118.3604% | 339 |
| Total domestic deposits to total assets | 86.2128% | 3,142 |
| Equity capital to assets | 11.0568% | 3,201 |
| Core capital (leverage) ratio | 10.4359% | 2,990 |
| Tier 1 risk-based capital ratio | 11.8525% | 6,024 |
| Total risk-based capital ratio | 12.5269% | 6,334 |
| Memoranda: | ||
| Average total assets | $171,553,500 | 3,458 |
| Average earning assets | $160,771,250 | 3,407 |
| Average equity | $18,586,250 | 3,420 |
| Average total loans | $138,279,500 | 2,769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 4,235 |
| Cost of funding earning assets | 0.7805% | 3,359 |
| Net interest margin | 3.6057% | 4,234 |
| Noninterest income to average assets | 0.3083% | 5,349 |
| Noninterest expense to average assets | 2.4289% | 5,360 |
| Loan and lease loss provision to assets | 0.0701% | 4,754 |
| Net operating income to assets | 1.1467% | 1,888 |
| Return on assets (ROA) | 1.1455% | 2,107 |
| Pretax return on assets | 1.1852% | 2,996 |
| Return on Equity (ROE) | 10.6468% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.2203% | 3,143 |
| Net charge-offs to loans | -0.0103% | 6,286 |
| Credit loss provision to net charge-offs | -857.1429% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6388% | 4,777 |
| Assets per employee ($millions) | 5.0439% | 2,118 |
| Cash dividends to net income (ytd only)* | 50.9684% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 6,829 |
| Loan loss allowance to noncurrent loans | 725.7353% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 6,535 |
| Noncurrent loans to loans | 0.0964% | 6,421 |
| Net loans and leases to total assets | 81.6651% | 360 |
| Net loans and leases to deposits | 92.3807% | 907 |
| Net loans and leases to core deposits | 110.2452% | 567 |
| Total domestic deposits to total assets | 88.4007% | 1,886 |
| Equity capital to assets | 10.8949% | 3,233 |
| Core capital (leverage) ratio | 10.5682% | 2,736 |
| Tier 1 risk-based capital ratio | 11.8635% | 6,020 |
| Total risk-based capital ratio | 12.5301% | 6,330 |
| Memoranda: | ||
| Average total assets | $171,274,000 | 3,481 |
| Average earning assets | $160,412,330 | 3,418 |
| Average equity | $18,428,000 | 3,439 |
| Average total loans | $136,244,000 | 2,811 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 4,805 |
| Cost of funding earning assets | 0.8280% | 3,255 |
| Net interest margin | 3.4540% | 4,900 |
| Noninterest income to average assets | 0.3412% | 5,123 |
| Noninterest expense to average assets | 2.4024% | 5,461 |
| Loan and lease loss provision to assets | 0.0701% | 4,527 |
| Net operating income to assets | 1.0679% | 2,218 |
| Return on assets (ROA) | 1.0656% | 2,420 |
| Pretax return on assets | 1.1030% | 3,311 |
| Return on Equity (ROE) | 9.9672% | 2,414 |
| Retained earnings to average equity (ytd only) | 4.5027% | 3,885 |
| Net charge-offs to loans | -0.0060% | 5,828 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1457% | 4,332 |
| Assets per employee ($millions) | 5.0288% | 2,219 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 6,835 |
| Loan loss allowance to noncurrent loans | 635.3333% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 6,594 |
| Noncurrent loans to loans | 0.1154% | 6,467 |
| Net loans and leases to total assets | 77.7361% | 616 |
| Net loans and leases to deposits | 88.3449% | 1,125 |
| Net loans and leases to core deposits | 103.8220% | 777 |
| Total domestic deposits to total assets | 87.9916% | 2,326 |
| Equity capital to assets | 11.0907% | 2,806 |
| Core capital (leverage) ratio | 10.3256% | 2,960 |
| Tier 1 risk-based capital ratio | 12.4245% | 5,663 |
| Total risk-based capital ratio | 13.1101% | 6,031 |
| Memoranda: | ||
| Average total assets | $171,164,500 | 3,501 |
| Average earning assets | $160,392,000 | 3,429 |
| Average equity | $18,300,000 | 3,453 |
| Average total loans | $133,847,500 | 2,874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 2,682 |
| Cost of funding earning assets | 0.9917% | 3,438 |
| Net interest margin | 4.0534% | 2,623 |
| Noninterest income to average assets | 0.3194% | 5,256 |
| Noninterest expense to average assets | 2.4885% | 5,510 |
| Loan and lease loss provision to assets | 0.0443% | 6,023 |
| Net operating income to assets | 1.5302% | 777 |
| Return on assets (ROA) | 1.5922% | 735 |
| Pretax return on assets | 1.6327% | 1,136 |
| Return on Equity (ROE) | 14.2158% | 882 |
| Retained earnings to average equity (ytd only) | 6.1845% | 1,916 |
| Net charge-offs to loans | 0.0155% | 6,221 |
| Credit loss provision to net charge-offs | 350.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 127.5500% | 256 |
| Efficiency ratio | 60.6631% | 5,652 |
| Assets per employee ($millions) | 5.3448% | 1,783 |
| Cash dividends to net income (ytd only)* | 56.4958% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 6,943 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 6,856 |
| Noncurrent loans to loans | 0.0290% | 6,753 |
| Net loans and leases to total assets | 77.5710% | 761 |
| Net loans and leases to deposits | 87.3964% | 1,464 |
| Net loans and leases to core deposits | 103.8199% | 913 |
| Total domestic deposits to total assets | 88.7577% | 1,682 |
| Equity capital to assets | 10.3159% | 3,756 |
| Core capital (leverage) ratio | 10.6136% | 2,606 |
| Tier 1 risk-based capital ratio | 11.4475% | 6,194 |
| Total risk-based capital ratio | 12.0654% | 6,535 |
| Memoranda: | ||
| Average total assets | $158,085,800 | 3,655 |
| Average earning assets | $147,530,600 | 3,616 |
| Average equity | $17,705,600 | 3,469 |
| Average total loans | $129,170,200 | 2,994 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,420 |
| Cost of funding earning assets | 1.0395% | 3,394 |
| Net interest margin | 4.1020% | 2,466 |
| Noninterest income to average assets | 0.3300% | 5,224 |
| Noninterest expense to average assets | 2.5639% | 5,221 |
| Loan and lease loss provision to assets | 0.0347% | 6,002 |
| Net operating income to assets | 1.5277% | 883 |
| Return on assets (ROA) | 1.6129% | 825 |
| Pretax return on assets | 1.6502% | 1,256 |
| Return on Equity (ROE) | 14.0812% | 1,027 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,154 |
| Net charge-offs to loans | -0.0136% | 6,828 |
| Credit loss provision to net charge-offs | -307.6923% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6027% | 5,475 |
| Assets per employee ($millions) | 4.8327% | 2,426 |
| Cash dividends to net income (ytd only)* | 36.1875% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6814% | 6,991 |
| Loan loss allowance to noncurrent loans | 4,395.2381% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 7,017 |
| Noncurrent loans to loans | 0.0155% | 6,908 |
| Net loans and leases to total assets | 84.3610% | 198 |
| Net loans and leases to deposits | 99.7464% | 483 |
| Net loans and leases to core deposits | 118.7961% | 420 |
| Total domestic deposits to total assets | 84.5755% | 3,977 |
| Equity capital to assets | 11.4723% | 2,708 |
| Core capital (leverage) ratio | 11.1815% | 2,250 |
| Tier 1 risk-based capital ratio | 12.0815% | 5,839 |
| Total risk-based capital ratio | 12.7332% | 6,241 |
| Memoranda: | ||
| Average total assets | $153,512,500 | 3,765 |
| Average earning assets | $143,405,000 | 3,713 |
| Average equity | $17,583,250 | 3,490 |
| Average total loans | $127,028,000 | 3,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 2,674 |
| Cost of funding earning assets | 1.0690% | 3,483 |
| Net interest margin | 4.0326% | 2,688 |
| Noninterest income to average assets | 0.3353% | 5,207 |
| Noninterest expense to average assets | 2.6227% | 5,105 |
| Loan and lease loss provision to assets | 0.0132% | 6,113 |
| Net operating income to assets | 1.4265% | 1,032 |
| Return on assets (ROA) | 1.4572% | 1,022 |
| Pretax return on assets | 1.4955% | 1,547 |
| Return on Equity (ROE) | 12.7294% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.8867% | 1,493 |
| Net charge-offs to loans | -0.0274% | 6,896 |
| Credit loss provision to net charge-offs | -58.8235% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9730% | 5,245 |
| Assets per employee ($millions) | 5.0537% | 2,054 |
| Cash dividends to net income (ytd only)* | 38.0435% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 7,018 |
| Loan loss allowance to noncurrent loans | 5,276.4706% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 7,074 |
| Noncurrent loans to loans | 0.0133% | 6,974 |
| Net loans and leases to total assets | 83.6417% | 264 |
| Net loans and leases to deposits | 95.8851% | 732 |
| Net loans and leases to core deposits | 113.2930% | 602 |
| Total domestic deposits to total assets | 87.2311% | 2,608 |
| Equity capital to assets | 11.6878% | 2,334 |
| Core capital (leverage) ratio | 10.9889% | 2,259 |
| Tier 1 risk-based capital ratio | 12.3686% | 5,458 |
| Total risk-based capital ratio | 13.0372% | 5,937 |
| Memoranda: | ||
| Average total assets | $151,523,330 | 3,823 |
| Average earning assets | $141,447,000 | 3,768 |
| Average equity | $17,345,670 | 3,520 |
| Average total loans | $124,216,670 | 3,140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 3,151 |
| Cost of funding earning assets | 1.0922% | 3,575 |
| Net interest margin | 3.8977% | 3,149 |
| Noninterest income to average assets | 0.3274% | 5,289 |
| Noninterest expense to average assets | 2.6274% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2913% | 1,293 |
| Return on assets (ROA) | 1.2913% | 1,335 |
| Pretax return on assets | 1.3282% | 1,949 |
| Return on Equity (ROE) | 11.3996% | 1,623 |
| Retained earnings to average equity (ytd only) | 6.5041% | 2,372 |
| Net charge-offs to loans | 0.0065% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 125 |
| Efficiency ratio | 66.4219% | 4,962 |
| Assets per employee ($millions) | 4.9128% | 2,281 |
| Cash dividends to net income (ytd only)* | 42.9448% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 7,062 |
| Loan loss allowance to noncurrent loans | 4,138.0952% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 7,136 |
| Noncurrent loans to loans | 0.0172% | 7,023 |
| Net loans and leases to total assets | 79.3963% | 576 |
| Net loans and leases to deposits | 90.5971% | 1,174 |
| Net loans and leases to core deposits | 105.5149% | 963 |
| Total domestic deposits to total assets | 87.6367% | 2,587 |
| Equity capital to assets | 11.3527% | 2,378 |
| Core capital (leverage) ratio | 11.0079% | 2,184 |
| Tier 1 risk-based capital ratio | 12.6855% | 5,079 |
| Total risk-based capital ratio | 13.3673% | 5,580 |
| Memoranda: | ||
| Average total assets | $151,479,500 | 3,856 |
| Average earning assets | $141,006,000 | 3,802 |
| Average equity | $17,158,500 | 3,540 |
| Average total loans | $122,471,500 | 3,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 2,826 |
| Cost of funding earning assets | 1.2742% | 4,057 |
| Net interest margin | 4.0925% | 2,601 |
| Noninterest income to average assets | 0.4013% | 4,902 |
| Noninterest expense to average assets | 2.6136% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5945% | 623 |
| Return on assets (ROA) | 1.5945% | 677 |
| Pretax return on assets | 1.6313% | 1,070 |
| Return on Equity (ROE) | 13.3416% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.1563% | 3,652 |
| Net charge-offs to loans | -0.0289% | 7,396 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5705% | 5,797 |
| Assets per employee ($millions) | 5.0220% | 2,131 |
| Cash dividends to net income (ytd only)* | 76.3427% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 7,131 |
| Loan loss allowance to noncurrent loans | 185.8974% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 6,453 |
| Noncurrent loans to loans | 0.3800% | 6,285 |
| Net loans and leases to total assets | 81.1657% | 522 |
| Net loans and leases to deposits | 92.6500% | 1,185 |
| Net loans and leases to core deposits | 109.1158% | 980 |
| Total domestic deposits to total assets | 87.6046% | 2,479 |
| Equity capital to assets | 11.3015% | 2,406 |
| Core capital (leverage) ratio | 10.8665% | 2,257 |
| Tier 1 risk-based capital ratio | 12.2708% | 5,237 |
| Total risk-based capital ratio | 12.9436% | 5,739 |
| Memoranda: | ||
| Average total assets | $141,297,000 | 4,034 |
| Average earning assets | $132,706,200 | 3,962 |
| Average equity | $16,887,000 | 3,613 |
| Average total loans | $117,790,800 | 3,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 2,770 |
| Cost of funding earning assets | 1.3059% | 4,176 |
| Net interest margin | 4.1187% | 2,537 |
| Noninterest income to average assets | 0.3732% | 5,164 |
| Noninterest expense to average assets | 2.6646% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5467% | 834 |
| Return on assets (ROA) | 1.5467% | 911 |
| Pretax return on assets | 1.5822% | 1,388 |
| Return on Equity (ROE) | 12.7539% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.9339% | 2,397 |
| Net charge-offs to loans | 0.0034% | 6,635 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 549.6525% | 55 |
| Efficiency ratio | 62.7429% | 5,480 |
| Assets per employee ($millions) | 4.7115% | 2,573 |
| Cash dividends to net income (ytd only)* | 53.4737% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 7,231 |
| Loan loss allowance to noncurrent loans | 174.8428% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 6,522 |
| Noncurrent loans to loans | 0.3882% | 6,420 |
| Net loans and leases to total assets | 86.3461% | 176 |
| Net loans and leases to deposits | 100.4271% | 624 |
| Net loans and leases to core deposits | 122.2712% | 550 |
| Total domestic deposits to total assets | 85.9789% | 3,087 |
| Equity capital to assets | 12.2156% | 2,027 |
| Core capital (leverage) ratio | 11.4381% | 1,976 |
| Tier 1 risk-based capital ratio | 12.6763% | 4,836 |
| Total risk-based capital ratio | 13.3343% | 5,350 |
| Memoranda: | ||
| Average total assets | $138,956,000 | 4,125 |
| Average earning assets | $130,686,250 | 4,054 |
| Average equity | $16,852,000 | 3,666 |
| Average total loans | $116,449,750 | 3,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 3,199 |
| Cost of funding earning assets | 1.2912% | 4,587 |
| Net interest margin | 4.0627% | 2,734 |
| Noninterest income to average assets | 0.3619% | 5,254 |
| Noninterest expense to average assets | 2.6317% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5258% | 862 |
| Return on assets (ROA) | 1.5258% | 921 |
| Pretax return on assets | 1.5562% | 1,416 |
| Return on Equity (ROE) | 12.6122% | 1,328 |
| Retained earnings to average equity (ytd only) | 5.0616% | 2,873 |
| Net charge-offs to loans | 0.0052% | 6,301 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 358.3333% | 93 |
| Efficiency ratio | 62.8413% | 5,548 |
| Assets per employee ($millions) | 4.8074% | 2,439 |
| Cash dividends to net income (ytd only)* | 59.8672% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 7,212 |
| Loan loss allowance to noncurrent loans | 2,380.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,345 |
| Noncurrent loans to loans | 0.0301% | 7,249 |
| Net loans and leases to total assets | 80.0466% | 791 |
| Net loans and leases to deposits | 92.8096% | 1,415 |
| Net loans and leases to core deposits | 111.1182% | 1,090 |
| Total domestic deposits to total assets | 86.2482% | 2,946 |
| Equity capital to assets | 11.7528% | 2,243 |
| Core capital (leverage) ratio | 11.3091% | 2,031 |
| Tier 1 risk-based capital ratio | 12.9152% | 4,517 |
| Total risk-based capital ratio | 13.5996% | 4,975 |
| Memoranda: | ||
| Average total assets | $138,160,000 | 4,171 |
| Average earning assets | $130,110,330 | 4,082 |
| Average equity | $16,714,000 | 3,678 |
| Average total loans | $114,306,670 | 3,526 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 2,703 |
| Cost of funding earning assets | 1.3056% | 4,783 |
| Net interest margin | 4.1716% | 2,147 |
| Noninterest income to average assets | 0.3256% | 5,546 |
| Noninterest expense to average assets | 2.7026% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5185% | 870 |
| Return on assets (ROA) | 1.5185% | 933 |
| Pretax return on assets | 1.5481% | 1,399 |
| Return on Equity (ROE) | 12.3644% | 1,400 |
| Retained earnings to average equity (ytd only) | 2.7235% | 4,500 |
| Net charge-offs to loans | -0.0671% | 7,431 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5794% | 5,572 |
| Assets per employee ($millions) | 4.3646% | 3,186 |
| Cash dividends to net income (ytd only)* | 77.9727% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 7,253 |
| Loan loss allowance to noncurrent loans | 1,819.1489% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 7,410 |
| Noncurrent loans to loans | 0.0411% | 7,307 |
| Net loans and leases to total assets | 83.9581% | 374 |
| Net loans and leases to deposits | 97.6994% | 938 |
| Net loans and leases to core deposits | 115.1130% | 992 |
| Total domestic deposits to total assets | 85.9352% | 3,189 |
| Equity capital to assets | 12.2992% | 1,875 |
| Core capital (leverage) ratio | 11.6671% | 1,820 |
| Tier 1 risk-based capital ratio | 12.8884% | 4,413 |
| Total risk-based capital ratio | 13.6045% | 4,819 |
| Memoranda: | ||
| Average total assets | $135,129,500 | 4,298 |
| Average earning assets | $127,145,000 | 4,212 |
| Average equity | $16,596,000 | 3,736 |
| Average total loans | $113,321,500 | 3,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6398% | 3,399 |
| Cost of funding earning assets | 1.6813% | 4,607 |
| Net interest margin | 3.9585% | 3,036 |
| Noninterest income to average assets | 0.3638% | 5,490 |
| Noninterest expense to average assets | 2.4591% | 6,275 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6022% | 548 |
| Return on assets (ROA) | 1.6015% | 582 |
| Pretax return on assets | 1.6379% | 888 |
| Return on Equity (ROE) | 13.6484% | 843 |
| Retained earnings to average equity (ytd only) | 9.0926% | 482 |
| Net charge-offs to loans | 0.0795% | 6,316 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 25.6628% | 868 |
| Efficiency ratio | 60.0109% | 6,493 |
| Assets per employee ($millions) | 4.6537% | 2,681 |
| Cash dividends to net income (ytd only)* | 33.3797% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 7,276 |
| Loan loss allowance to noncurrent loans | 5,225.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 7,501 |
| Noncurrent loans to loans | 0.0143% | 7,403 |
| Net loans and leases to total assets | 82.5115% | 610 |
| Net loans and leases to deposits | 96.1158% | 1,314 |
| Net loans and leases to core deposits | 129.6680% | 1,302 |
| Total domestic deposits to total assets | 85.8459% | 3,086 |
| Equity capital to assets | 12.2639% | 1,872 |
| Core capital (leverage) ratio | 11.3704% | 1,993 |
| Tier 1 risk-based capital ratio | 12.7573% | 4,319 |
| Total risk-based capital ratio | 13.4564% | 4,727 |
| Memoranda: | ||
| Average total assets | $134,685,800 | 4,246 |
| Average earning assets | $127,044,000 | 4,152 |
| Average equity | $15,804,000 | 3,900 |
| Average total loans | $108,165,400 | 3,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 3,900 |
| Cost of funding earning assets | 1.7705% | 4,523 |
| Net interest margin | 3.8231% | 3,563 |
| Noninterest income to average assets | 0.3447% | 5,743 |
| Noninterest expense to average assets | 2.5018% | 6,062 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4173% | 985 |
| Return on assets (ROA) | 1.4163% | 1,055 |
| Pretax return on assets | 1.4520% | 1,552 |
| Return on Equity (ROE) | 12.2084% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.5983% | 1,266 |
| Net charge-offs to loans | 0.1232% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 14.8178% | 1,572 |
| Efficiency ratio | 63.2607% | 5,882 |
| Assets per employee ($millions) | 4.7842% | 2,422 |
| Cash dividends to net income (ytd only)* | 37.7621% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 7,267 |
| Loan loss allowance to noncurrent loans | 1,913.9535% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,499 |
| Noncurrent loans to loans | 0.0391% | 7,416 |
| Net loans and leases to total assets | 81.4882% | 897 |
| Net loans and leases to deposits | 94.3629% | 1,817 |
| Net loans and leases to core deposits | 128.6839% | 1,526 |
| Total domestic deposits to total assets | 86.3562% | 2,510 |
| Equity capital to assets | 11.9679% | 2,256 |
| Core capital (leverage) ratio | 10.9017% | 2,476 |
| Tier 1 risk-based capital ratio | 12.5590% | 4,495 |
| Total risk-based capital ratio | 13.2627% | 4,902 |
| Memoranda: | ||
| Average total assets | $134,618,000 | 4,267 |
| Average earning assets | $127,120,000 | 4,178 |
| Average equity | $15,617,250 | 3,980 |
| Average total loans | $107,159,000 | 3,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 4,698 |
| Cost of funding earning assets | 1.8385% | 4,561 |
| Net interest margin | 3.6503% | 4,166 |
| Noninterest income to average assets | 0.3412% | 5,779 |
| Noninterest expense to average assets | 2.4756% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2756% | 1,290 |
| Return on assets (ROA) | 1.2756% | 1,374 |
| Pretax return on assets | 1.3082% | 1,999 |
| Return on Equity (ROE) | 11.1118% | 1,673 |
| Retained earnings to average equity (ytd only) | 6.4604% | 1,816 |
| Net charge-offs to loans | 0.1695% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,073 |
| Efficiency ratio | 65.4253% | 5,638 |
| Assets per employee ($millions) | 4.7823% | 2,350 |
| Cash dividends to net income (ytd only)* | 41.8605% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 7,273 |
| Loan loss allowance to noncurrent loans | 1,770.2128% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 7,522 |
| Noncurrent loans to loans | 0.0429% | 7,433 |
| Net loans and leases to total assets | 81.1432% | 1,109 |
| Net loans and leases to deposits | 94.4144% | 2,026 |
| Net loans and leases to core deposits | 131.1280% | 1,482 |
| Total domestic deposits to total assets | 85.9437% | 2,823 |
| Equity capital to assets | 11.6755% | 2,400 |
| Core capital (leverage) ratio | 10.7063% | 2,659 |
| Tier 1 risk-based capital ratio | 12.3034% | 4,672 |
| Total risk-based capital ratio | 13.0203% | 5,049 |
| Memoranda: | ||
| Average total assets | $134,838,000 | 4,283 |
| Average earning assets | $127,168,000 | 4,196 |
| Average equity | $15,479,000 | 4,020 |
| Average total loans | $106,217,670 | 3,851 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 5,643 |
| Cost of funding earning assets | 1.9229% | 4,522 |
| Net interest margin | 3.4303% | 5,010 |
| Noninterest income to average assets | 0.3636% | 5,524 |
| Noninterest expense to average assets | 2.3177% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2269% | 1,576 |
| Return on assets (ROA) | 1.2269% | 1,680 |
| Pretax return on assets | 1.2682% | 2,381 |
| Return on Equity (ROE) | 10.7782% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.7782% | 1,013 |
| Net charge-offs to loans | 0.1530% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.7250% | 1,930 |
| Efficiency ratio | 64.6331% | 5,572 |
| Assets per employee ($millions) | 5.0274% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 6,997 |
| Loan loss allowance to noncurrent loans | 438.8060% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 7,127 |
| Noncurrent loans to loans | 0.1922% | 6,982 |
| Net loans and leases to total assets | 76.4086% | 2,186 |
| Net loans and leases to deposits | 88.3819% | 3,221 |
| Net loans and leases to core deposits | 120.9584% | 2,339 |
| Total domestic deposits to total assets | 86.4528% | 2,477 |
| Equity capital to assets | 11.4734% | 2,604 |
| Core capital (leverage) ratio | 10.7511% | 2,695 |
| Tier 1 risk-based capital ratio | 11.4734% | 5,443 |
| Total risk-based capital ratio | 12.1874% | 5,865 |
| Memoranda: | ||
| Average total assets | $135,305,000 | 4,307 |
| Average earning assets | $127,102,500 | 4,219 |
| Average equity | $15,401,500 | 4,060 |
| Average total loans | $104,583,500 | 3,916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5030% | 2,946 |
| Cost of funding earning assets | 2.6584% | 3,381 |
| Net interest margin | 3.8445% | 3,816 |
| Noninterest income to average assets | 0.3603% | 5,840 |
| Noninterest expense to average assets | 2.4850% | 6,072 |
| Loan and lease loss provision to assets | 0.1577% | 5,353 |
| Net operating income to assets | 1.3182% | 1,432 |
| Return on assets (ROA) | 1.3190% | 1,384 |
| Pretax return on assets | 1.2859% | 2,358 |
| Return on Equity (ROE) | 11.4140% | 1,788 |
| Retained earnings to average equity (ytd only) | -23.0191% | 7,761 |
| Net charge-offs to loans | 0.2305% | 3,938 |
| Credit loss provision to net charge-offs | 88.1057% | 5,720 |
| Earnings coverage of net charge-offs (x) | 8.0617% | 2,945 |
| Efficiency ratio | 63.2678% | 5,720 |
| Assets per employee ($millions) | 4.6507% | 2,401 |
| Cash dividends to net income (ytd only)* | 301.6736% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 6,769 |
| Loan loss allowance to noncurrent loans | 472.8205% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 7,000 |
| Noncurrent loans to loans | 0.1865% | 6,833 |
| Net loans and leases to total assets | 76.8488% | 2,415 |
| Net loans and leases to deposits | 89.3361% | 3,567 |
| Net loans and leases to core deposits | 124.1359% | 2,316 |
| Total domestic deposits to total assets | 86.0221% | 2,391 |
| Equity capital to assets | 11.2916% | 2,814 |
| Core capital (leverage) ratio | 10.6234% | 2,884 |
| Tier 1 risk-based capital ratio | 12.2320% | 4,647 |
| Total risk-based capital ratio | 13.0528% | 4,894 |
| Memoranda: | ||
| Average total assets | $126,841,200 | 4,354 |
| Average earning assets | $117,700,400 | 4,318 |
| Average equity | $14,657,400 | 4,206 |
| Average total loans | $98,496,200 | 3,992 |