Home > Nebraskaland Bank > Performance and Condition Ratios
Nebraskaland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 3,470 |
| Cost of funding earning assets | 1.8933% | 1,077 |
| Net interest margin | 2.3887% | 4,198 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.8803% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4002% | 3,871 |
| Return on assets (ROA) | 0.4001% | 3,863 |
| Pretax return on assets | 0.4948% | 3,821 |
| Return on Equity (ROE) | 4.6200% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.6244% | 2,746 |
| Net charge-offs to loans | -0.0115% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.1621% | 972 |
| Assets per employee ($millions) | 9.1247% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.1900% | 1,902 |
| Net loans and leases to deposits | 91.0515% | 1,178 |
| Net loans and leases to core deposits | 114.2846% | 806 |
| Total domestic deposits to total assets | 75.9900% | 3,943 |
| Equity capital to assets | 8.9047% | 2,742 |
| Core capital (leverage) ratio | 9.8600% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $924,536,800 | 1,060 |
| Average earning assets | $844,974,800 | 1,064 |
| Average equity | $79,989,000 | 1,128 |
| Average total loans | $635,308,000 | 1,049 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 3,478 |
| Cost of funding earning assets | 1.7880% | 1,030 |
| Net interest margin | 2.4066% | 4,223 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.9008% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4014% | 3,965 |
| Return on assets (ROA) | 0.4013% | 3,958 |
| Pretax return on assets | 0.5041% | 3,898 |
| Return on Equity (ROE) | 4.6700% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.6729% | 3,052 |
| Net charge-offs to loans | -0.0155% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.0342% | 925 |
| Assets per employee ($millions) | 9.2636% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,341 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.6900% | 1,977 |
| Net loans and leases to deposits | 89.2635% | 1,290 |
| Net loans and leases to core deposits | 110.0941% | 870 |
| Total domestic deposits to total assets | 76.9500% | 3,929 |
| Equity capital to assets | 8.4084% | 2,784 |
| Core capital (leverage) ratio | 9.8325% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $920,710,500 | 1,067 |
| Average earning assets | $841,497,250 | 1,070 |
| Average equity | $79,063,750 | 1,135 |
| Average total loans | $629,939,250 | 1,045 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,503 |
| Cost of funding earning assets | 1.6473% | 972 |
| Net interest margin | 2.4479% | 4,263 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.8778% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4114% | 3,985 |
| Return on assets (ROA) | 0.4113% | 3,990 |
| Pretax return on assets | 0.5150% | 3,940 |
| Return on Equity (ROE) | 4.7600% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.7554% | 3,009 |
| Net charge-offs to loans | -0.0183% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.4704% | 963 |
| Assets per employee ($millions) | 9.2325% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,152 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.8200% | 1,974 |
| Net loans and leases to deposits | 86.4337% | 1,469 |
| Net loans and leases to core deposits | 106.3520% | 968 |
| Total domestic deposits to total assets | 78.4700% | 3,788 |
| Equity capital to assets | 8.7407% | 2,696 |
| Core capital (leverage) ratio | 9.8902% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $915,741,000 | 1,062 |
| Average earning assets | $835,179,333 | 1,073 |
| Average equity | $79,194,667 | 1,129 |
| Average total loans | $623,527,667 | 1,042 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,481 |
| Cost of funding earning assets | 1.4534% | 935 |
| Net interest margin | 2.5338% | 4,272 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.8713% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4673% | 3,971 |
| Return on assets (ROA) | 0.4669% | 3,922 |
| Pretax return on assets | 0.5870% | 3,864 |
| Return on Equity (ROE) | 5.4300% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.4283% | 2,913 |
| Net charge-offs to loans | -0.0367% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.1093% | 1,157 |
| Assets per employee ($millions) | 9.0728% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,262 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.0700% | 1,723 |
| Net loans and leases to deposits | 86.2692% | 1,332 |
| Net loans and leases to core deposits | 106.6521% | 809 |
| Total domestic deposits to total assets | 80.0600% | 3,755 |
| Equity capital to assets | 8.9126% | 2,584 |
| Core capital (leverage) ratio | 9.9152% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $916,602,000 | 1,077 |
| Average earning assets | $836,361,000 | 1,087 |
| Average equity | $78,846,000 | 1,141 |
| Average total loans | $622,013,500 | 1,058 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 3,004 |
| Cost of funding earning assets | 0.6075% | 869 |
| Net interest margin | 2.9213% | 3,632 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.9868% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6730% | 3,699 |
| Return on assets (ROA) | 0.6730% | 3,648 |
| Pretax return on assets | 0.8167% | 3,580 |
| Return on Equity (ROE) | 7.5300% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.9961% | 3,055 |
| Net charge-offs to loans | 0.0539% | 1,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 23.2219% | 1,820 |
| Efficiency ratio | 70.8685% | 1,580 |
| Assets per employee ($millions) | 8.9904% | 923 |
| Cash dividends to net income (ytd only)* | 33.6078% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,815 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 65.2600% | 2,116 |
| Net loans and leases to deposits | 79.5646% | 1,804 |
| Net loans and leases to core deposits | 92.6824% | 1,357 |
| Total domestic deposits to total assets | 82.0200% | 3,626 |
| Equity capital to assets | 8.3036% | 2,853 |
| Core capital (leverage) ratio | 9.8641% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $884,291,600 | 1,092 |
| Average earning assets | $806,591,000 | 1,102 |
| Average equity | $79,081,600 | 1,142 |
| Average total loans | $577,519,400 | 1,058 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 2,799 |
| Cost of funding earning assets | 0.4865% | 807 |
| Net interest margin | 2.9551% | 3,345 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.0349% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6588% | 3,670 |
| Return on assets (ROA) | 0.6588% | 3,631 |
| Pretax return on assets | 0.8075% | 3,558 |
| Return on Equity (ROE) | 7.2300% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.2285% | 2,289 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.5908% | 1,580 |
| Assets per employee ($millions) | 8.2082% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.0600% | 1,671 |
| Net loans and leases to deposits | 82.4739% | 1,408 |
| Net loans and leases to core deposits | 89.6589% | 1,320 |
| Total domestic deposits to total assets | 82.5200% | 3,754 |
| Equity capital to assets | 8.8620% | 2,310 |
| Core capital (leverage) ratio | 10.2773% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $871,615,250 | 1,115 |
| Average earning assets | $795,664,750 | 1,125 |
| Average equity | $79,442,500 | 1,151 |
| Average total loans | $567,638,750 | 1,072 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 2,582 |
| Cost of funding earning assets | 0.4428% | 714 |
| Net interest margin | 2.9053% | 3,152 |
| Noninterest income to average assets | 0.1481% | 4,278 |
| Noninterest expense to average assets | 2.0128% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6407% | 3,506 |
| Return on assets (ROA) | 0.6407% | 3,456 |
| Pretax return on assets | 0.7863% | 3,364 |
| Return on Equity (ROE) | 6.9657% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.9657% | 2,001 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9073% | 1,738 |
| Assets per employee ($millions) | 8.5824% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.1982% | 1,888 |
| Net loans and leases to deposits | 77.3620% | 1,585 |
| Net loans and leases to core deposits | 84.0256% | 1,450 |
| Total domestic deposits to total assets | 82.9841% | 3,878 |
| Equity capital to assets | 8.9167% | 2,432 |
| Core capital (leverage) ratio | 10.1695% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $872,131,333 | 1,108 |
| Average earning assets | $795,800,000 | 1,131 |
| Average equity | $80,221,667 | 1,159 |
| Average total loans | $557,059,333 | 1,079 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2696% | 2,476 |
| Cost of funding earning assets | 0.4373% | 693 |
| Net interest margin | 2.8323% | 3,036 |
| Noninterest income to average assets | 0.1455% | 4,287 |
| Noninterest expense to average assets | 2.0212% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5805% | 3,465 |
| Return on assets (ROA) | 0.5805% | 3,440 |
| Pretax return on assets | 0.7084% | 3,371 |
| Return on Equity (ROE) | 6.2134% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.2134% | 2,172 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0484% | 1,737 |
| Assets per employee ($millions) | 8.2438% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.4446% | 1,566 |
| Net loans and leases to deposits | 79.2457% | 1,196 |
| Net loans and leases to core deposits | 87.2580% | 1,067 |
| Total domestic deposits to total assets | 81.3226% | 4,165 |
| Equity capital to assets | 9.3142% | 2,430 |
| Core capital (leverage) ratio | 10.1880% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $866,204,000 | 1,120 |
| Average earning assets | $790,308,500 | 1,138 |
| Average equity | $80,921,500 | 1,185 |
| Average total loans | $548,238,000 | 1,083 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 2,294 |
| Cost of funding earning assets | 0.5753% | 615 |
| Net interest margin | 3.0595% | 3,023 |
| Noninterest income to average assets | 0.1825% | 4,240 |
| Noninterest expense to average assets | 1.9982% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7695% | 3,424 |
| Return on assets (ROA) | 0.8814% | 3,168 |
| Pretax return on assets | 1.1104% | 2,931 |
| Return on Equity (ROE) | 8.6343% | 3,036 |
| Retained earnings to average equity (ytd only) | -6.2762% | 4,728 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3494% | 2,072 |
| Assets per employee ($millions) | 8.5757% | 1,057 |
| Cash dividends to net income (ytd only)* | 172.6886% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.5540% | 2,099 |
| Net loans and leases to deposits | 74.8015% | 1,665 |
| Net loans and leases to core deposits | 82.8726% | 1,392 |
| Total domestic deposits to total assets | 80.9529% | 4,113 |
| Equity capital to assets | 9.3689% | 3,256 |
| Core capital (leverage) ratio | 9.7981% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $854,109,400 | 1,084 |
| Average earning assets | $777,304,000 | 1,118 |
| Average equity | $87,187,200 | 1,130 |
| Average total loans | $518,685,800 | 1,134 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 2,292 |
| Cost of funding earning assets | 0.6050% | 626 |
| Net interest margin | 3.0885% | 3,088 |
| Noninterest income to average assets | 0.1707% | 4,350 |
| Noninterest expense to average assets | 2.0111% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7679% | 3,602 |
| Return on assets (ROA) | 0.9198% | 3,251 |
| Pretax return on assets | 1.1595% | 3,048 |
| Return on Equity (ROE) | 8.8217% | 3,160 |
| Retained earnings to average equity (ytd only) | -3.2587% | 4,755 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5248% | 1,895 |
| Assets per employee ($millions) | 8.3658% | 1,106 |
| Cash dividends to net income (ytd only)* | 136.9394% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 59.7014% | 2,300 |
| Net loans and leases to deposits | 72.4055% | 2,008 |
| Net loans and leases to core deposits | 81.0843% | 1,643 |
| Total domestic deposits to total assets | 82.4542% | 3,834 |
| Equity capital to assets | 9.7500% | 3,151 |
| Core capital (leverage) ratio | 10.4422% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $846,813,500 | 1,104 |
| Average earning assets | $769,796,500 | 1,133 |
| Average equity | $88,295,250 | 1,135 |
| Average total loans | $512,840,250 | 1,160 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 2,245 |
| Cost of funding earning assets | 0.6494% | 576 |
| Net interest margin | 3.0841% | 3,078 |
| Noninterest income to average assets | 0.1723% | 4,346 |
| Noninterest expense to average assets | 2.0291% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7512% | 3,639 |
| Return on assets (ROA) | 0.9826% | 3,037 |
| Pretax return on assets | 1.2386% | 2,806 |
| Return on Equity (ROE) | 9.2119% | 3,035 |
| Retained earnings to average equity (ytd only) | -8.7845% | 4,854 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2101% | 1,859 |
| Assets per employee ($millions) | 7.6631% | 1,389 |
| Cash dividends to net income (ytd only)* | 195.3602% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.1923% | 2,284 |
| Net loans and leases to deposits | 74.4926% | 1,951 |
| Net loans and leases to core deposits | 82.6997% | 1,663 |
| Total domestic deposits to total assets | 82.1456% | 3,899 |
| Equity capital to assets | 10.2606% | 2,613 |
| Core capital (leverage) ratio | 10.4390% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $833,492,333 | 1,116 |
| Average earning assets | $757,369,667 | 1,139 |
| Average equity | $88,906,667 | 1,117 |
| Average total loans | $504,914,667 | 1,175 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 2,406 |
| Cost of funding earning assets | 0.6558% | 668 |
| Net interest margin | 3.0255% | 3,197 |
| Noninterest income to average assets | 0.2080% | 4,138 |
| Noninterest expense to average assets | 2.0157% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7509% | 3,576 |
| Return on assets (ROA) | 0.9904% | 2,934 |
| Pretax return on assets | 1.2510% | 2,697 |
| Return on Equity (ROE) | 9.1132% | 2,996 |
| Retained earnings to average equity (ytd only) | 0.3124% | 4,327 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0168% | 1,931 |
| Assets per employee ($millions) | 7.7587% | 1,305 |
| Cash dividends to net income (ytd only)* | 96.5717% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.7765% | 2,432 |
| Net loans and leases to deposits | 74.7780% | 2,044 |
| Net loans and leases to core deposits | 84.3414% | 1,651 |
| Total domestic deposits to total assets | 81.2759% | 4,019 |
| Equity capital to assets | 10.8849% | 1,947 |
| Core capital (leverage) ratio | 11.2108% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,433,500 | 1,101 |
| Average earning assets | $761,796,000 | 1,122 |
| Average equity | $90,901,000 | 1,093 |
| Average total loans | $500,555,500 | 1,186 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 2,835 |
| Cost of funding earning assets | 0.9173% | 814 |
| Net interest margin | 3.0491% | 3,755 |
| Noninterest income to average assets | 0.1607% | 4,494 |
| Noninterest expense to average assets | 2.0212% | 4,098 |
| Loan and lease loss provision to assets | 0.0214% | 4,126 |
| Net operating income to assets | 0.7094% | 3,406 |
| Return on assets (ROA) | 0.8069% | 3,182 |
| Pretax return on assets | 1.0167% | 2,990 |
| Return on Equity (ROE) | 7.2146% | 3,114 |
| Retained earnings to average equity (ytd only) | 1.7349% | 3,927 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8416% | 2,118 |
| Assets per employee ($millions) | 8.1774% | 978 |
| Cash dividends to net income (ytd only)* | 75.9532% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.2493% | 3,171 |
| Net loans and leases to deposits | 70.4505% | 2,830 |
| Net loans and leases to core deposits | 80.6698% | 2,302 |
| Total domestic deposits to total assets | 81.2618% | 3,819 |
| Equity capital to assets | 10.8510% | 2,382 |
| Core capital (leverage) ratio | 10.7171% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $815,883,000 | 1,039 |
| Average earning assets | $742,642,800 | 1,052 |
| Average equity | $91,245,200 | 1,045 |
| Average total loans | $489,167,800 | 1,160 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 3,082 |
| Cost of funding earning assets | 0.9752% | 835 |
| Net interest margin | 2.9868% | 4,005 |
| Noninterest income to average assets | 0.1629% | 4,483 |
| Noninterest expense to average assets | 2.0106% | 4,124 |
| Loan and lease loss provision to assets | 0.0289% | 3,970 |
| Net operating income to assets | 0.6691% | 3,568 |
| Return on assets (ROA) | 0.8021% | 3,198 |
| Pretax return on assets | 1.0077% | 3,042 |
| Return on Equity (ROE) | 7.1159% | 3,148 |
| Retained earnings to average equity (ytd only) | 1.9871% | 3,934 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7873% | 1,910 |
| Assets per employee ($millions) | 8.2682% | 915 |
| Cash dividends to net income (ytd only)* | 72.0758% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.4200% | 3,378 |
| Net loans and leases to deposits | 72.3418% | 3,103 |
| Net loans and leases to core deposits | 84.8227% | 2,398 |
| Total domestic deposits to total assets | 80.7555% | 3,709 |
| Equity capital to assets | 10.6673% | 2,654 |
| Core capital (leverage) ratio | 10.9000% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $807,242,500 | 1,036 |
| Average earning assets | $734,635,500 | 1,048 |
| Average equity | $90,986,000 | 1,037 |
| Average total loans | $487,941,500 | 1,157 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 3,066 |
| Cost of funding earning assets | 1.0453% | 853 |
| Net interest margin | 3.0487% | 4,015 |
| Noninterest income to average assets | 0.1314% | 4,649 |
| Noninterest expense to average assets | 2.0614% | 4,112 |
| Loan and lease loss provision to assets | 0.0445% | 3,731 |
| Net operating income to assets | 0.6345% | 3,627 |
| Return on assets (ROA) | 0.8445% | 2,997 |
| Pretax return on assets | 1.0603% | 2,833 |
| Return on Equity (ROE) | 7.3481% | 2,988 |
| Retained earnings to average equity (ytd only) | 1.8199% | 3,823 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9934% | 1,823 |
| Assets per employee ($millions) | 8.5692% | 790 |
| Cash dividends to net income (ytd only)* | 75.2332% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 59.7043% | 3,360 |
| Net loans and leases to deposits | 74.2302% | 3,058 |
| Net loans and leases to core deposits | 88.5268% | 2,196 |
| Total domestic deposits to total assets | 80.4313% | 3,745 |
| Equity capital to assets | 10.7484% | 2,527 |
| Core capital (leverage) ratio | 10.9504% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $786,935,000 | 1,042 |
| Average earning assets | $715,588,333 | 1,051 |
| Average equity | $90,444,667 | 1,030 |
| Average total loans | $479,128,333 | 1,155 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,861 |
| Cost of funding earning assets | 1.1758% | 833 |
| Net interest margin | 3.1436% | 4,002 |
| Noninterest income to average assets | 0.1069% | 4,794 |
| Noninterest expense to average assets | 2.1879% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6094% | 3,575 |
| Return on assets (ROA) | 0.8426% | 2,831 |
| Pretax return on assets | 1.0549% | 2,654 |
| Return on Equity (ROE) | 7.0703% | 2,915 |
| Retained earnings to average equity (ytd only) | 2.6067% | 3,223 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1348% | 1,799 |
| Assets per employee ($millions) | 7.2233% | 990 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 59.8597% | 3,507 |
| Net loans and leases to deposits | 76.9579% | 2,988 |
| Net loans and leases to core deposits | 96.8539% | 1,726 |
| Total domestic deposits to total assets | 77.7824% | 4,254 |
| Equity capital to assets | 11.9398% | 2,117 |
| Core capital (leverage) ratio | 12.0703% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $751,945,000 | 1,044 |
| Average earning assets | $680,359,000 | 1,066 |
| Average equity | $89,614,500 | 1,035 |
| Average total loans | $459,285,500 | 1,163 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 2,977 |
| Cost of funding earning assets | 1.2195% | 981 |
| Net interest margin | 3.2723% | 4,043 |
| Noninterest income to average assets | 0.1234% | 4,845 |
| Noninterest expense to average assets | 2.1684% | 4,227 |
| Loan and lease loss provision to assets | -0.0680% | 5,037 |
| Net operating income to assets | 0.7942% | 3,573 |
| Return on assets (ROA) | 0.9143% | 3,231 |
| Pretax return on assets | 1.1381% | 3,047 |
| Return on Equity (ROE) | 7.8451% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.6775% | 1,532 |
| Net charge-offs to loans | -0.0002% | 4,130 |
| Credit loss provision to net charge-offs | 50,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2119% | 2,136 |
| Assets per employee ($millions) | 7.3074% | 932 |
| Cash dividends to net income (ytd only)* | 14.8832% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.4308% | 3,548 |
| Net loans and leases to deposits | 79.0985% | 2,896 |
| Net loans and leases to core deposits | 100.9486% | 1,488 |
| Total domestic deposits to total assets | 76.3995% | 4,560 |
| Equity capital to assets | 11.8956% | 2,204 |
| Core capital (leverage) ratio | 12.0857% | 1,724 |
| Tier 1 risk-based capital ratio | 16.5900% | 2,191 |
| Total risk-based capital ratio | 17.8405% | 2,126 |
| Memoranda: | ||
| Average total assets | $734,909,200 | 1,033 |
| Average earning assets | $665,902,600 | 1,038 |
| Average equity | $85,645,600 | 1,027 |
| Average total loans | $451,057,200 | 1,155 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 3,045 |
| Cost of funding earning assets | 1.2184% | 989 |
| Net interest margin | 3.2878% | 4,106 |
| Noninterest income to average assets | 0.1115% | 4,949 |
| Noninterest expense to average assets | 2.1741% | 4,230 |
| Loan and lease loss provision to assets | -0.0913% | 5,156 |
| Net operating income to assets | 0.8107% | 3,642 |
| Return on assets (ROA) | 0.9718% | 3,157 |
| Pretax return on assets | 1.2118% | 2,947 |
| Return on Equity (ROE) | 8.3834% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.8087% | 1,947 |
| Net charge-offs to loans | -0.0003% | 3,959 |
| Credit loss provision to net charge-offs | 50,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2838% | 2,076 |
| Assets per employee ($millions) | 7.1192% | 981 |
| Cash dividends to net income (ytd only)* | 18.7829% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.8133% | 3,691 |
| Net loans and leases to deposits | 75.7142% | 3,323 |
| Net loans and leases to core deposits | 95.1910% | 2,067 |
| Total domestic deposits to total assets | 78.9988% | 4,188 |
| Equity capital to assets | 11.8076% | 2,413 |
| Core capital (leverage) ratio | 12.0159% | 1,838 |
| Tier 1 risk-based capital ratio | 16.4864% | 2,274 |
| Total risk-based capital ratio | 17.7372% | 2,208 |
| Memoranda: | ||
| Average total assets | $730,471,000 | 1,041 |
| Average earning assets | $662,483,000 | 1,047 |
| Average equity | $84,673,500 | 1,027 |
| Average total loans | $448,355,500 | 1,166 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 3,004 |
| Cost of funding earning assets | 1.1885% | 1,024 |
| Net interest margin | 3.3153% | 4,107 |
| Noninterest income to average assets | 0.1024% | 5,029 |
| Noninterest expense to average assets | 2.2020% | 4,217 |
| Loan and lease loss provision to assets | -0.1380% | 5,227 |
| Net operating income to assets | 0.8425% | 3,501 |
| Return on assets (ROA) | 0.9131% | 3,294 |
| Pretax return on assets | 1.1314% | 3,146 |
| Return on Equity (ROE) | 7.9280% | 3,319 |
| Retained earnings to average equity (ytd only) | 5.5321% | 2,503 |
| Net charge-offs to loans | -0.0004% | 3,866 |
| Credit loss provision to net charge-offs | 50,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8452% | 2,086 |
| Assets per employee ($millions) | 7.1311% | 940 |
| Cash dividends to net income (ytd only)* | 30.2206% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.0366% | 3,820 |
| Net loans and leases to deposits | 75.2793% | 3,394 |
| Net loans and leases to core deposits | 94.1570% | 2,230 |
| Total domestic deposits to total assets | 78.4234% | 4,325 |
| Equity capital to assets | 11.3811% | 2,723 |
| Core capital (leverage) ratio | 11.8037% | 1,943 |
| Tier 1 risk-based capital ratio | 16.0293% | 2,402 |
| Total risk-based capital ratio | 17.2800% | 2,344 |
| Memoranda: | ||
| Average total assets | $724,788,670 | 1,046 |
| Average earning assets | $657,143,000 | 1,054 |
| Average equity | $83,476,670 | 1,042 |
| Average total loans | $446,427,670 | 1,171 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,720 |
| Cost of funding earning assets | 1.1611% | 1,012 |
| Net interest margin | 3.3829% | 3,932 |
| Noninterest income to average assets | 0.0919% | 5,110 |
| Noninterest expense to average assets | 2.2520% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7320% | 3,833 |
| Return on assets (ROA) | 0.8522% | 3,485 |
| Pretax return on assets | 1.0479% | 3,291 |
| Return on Equity (ROE) | 7.3528% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.3528% | 1,903 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4567% | 2,119 |
| Assets per employee ($millions) | 6.9353% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.0755% | 3,493 |
| Net loans and leases to deposits | 83.0096% | 2,499 |
| Net loans and leases to core deposits | 102.1902% | 1,449 |
| Total domestic deposits to total assets | 74.7811% | 4,874 |
| Equity capital to assets | 11.7065% | 2,228 |
| Core capital (leverage) ratio | 12.1186% | 1,704 |
| Tier 1 risk-based capital ratio | 16.3630% | 2,314 |
| Total risk-based capital ratio | 17.6154% | 2,256 |
| Memoranda: | ||
| Average total assets | $709,232,500 | 1,068 |
| Average earning assets | $641,457,000 | 1,079 |
| Average equity | $82,200,000 | 1,047 |
| Average total loans | $443,000,500 | 1,184 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,930 |
| Cost of funding earning assets | 1.0640% | 570 |
| Net interest margin | 3.2862% | 4,288 |
| Noninterest income to average assets | 0.2934% | 4,145 |
| Noninterest expense to average assets | 2.1976% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8708% | 3,533 |
| Return on assets (ROA) | 0.8712% | 3,526 |
| Pretax return on assets | 1.0700% | 3,375 |
| Return on Equity (ROE) | 7.7757% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.7757% | 1,337 |
| Net charge-offs to loans | -0.0068% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2628% | 2,665 |
| Assets per employee ($millions) | 6.9032% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.7172% | 3,691 |
| Net loans and leases to deposits | 80.4201% | 2,906 |
| Net loans and leases to core deposits | 98.8627% | 1,801 |
| Total domestic deposits to total assets | 75.5001% | 4,811 |
| Equity capital to assets | 11.4718% | 2,273 |
| Core capital (leverage) ratio | 11.8194% | 1,856 |
| Tier 1 risk-based capital ratio | 16.3889% | 2,274 |
| Total risk-based capital ratio | 17.6416% | 2,211 |
| Memoranda: | ||
| Average total assets | $699,993,000 | 1,062 |
| Average earning assets | $633,438,000 | 1,066 |
| Average equity | $78,424,200 | 1,048 |
| Average total loans | $456,517,800 | 1,137 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,884 |
| Cost of funding earning assets | 1.0322% | 516 |
| Net interest margin | 3.2892% | 4,308 |
| Noninterest income to average assets | 0.3586% | 3,735 |
| Noninterest expense to average assets | 2.2076% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9173% | 3,450 |
| Return on assets (ROA) | 0.9177% | 3,452 |
| Pretax return on assets | 1.1297% | 3,279 |
| Return on Equity (ROE) | 8.2410% | 3,448 |
| Retained earnings to average equity (ytd only) | 8.2410% | 1,541 |
| Net charge-offs to loans | -0.0003% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1617% | 2,843 |
| Assets per employee ($millions) | 7.0525% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 860 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,905 |
| Noncurrent loans to loans | 0.0289% | 4,764 |
| Net loans and leases to total assets | 61.3126% | 3,719 |
| Net loans and leases to deposits | 78.9030% | 3,154 |
| Net loans and leases to core deposits | 97.1358% | 2,008 |
| Total domestic deposits to total assets | 77.7063% | 4,531 |
| Equity capital to assets | 11.1627% | 2,512 |
| Core capital (leverage) ratio | 11.7988% | 1,916 |
| Tier 1 risk-based capital ratio | 16.0603% | 2,425 |
| Total risk-based capital ratio | 17.3128% | 2,364 |
| Memoranda: | ||
| Average total assets | $698,959,250 | 1,063 |
| Average earning assets | $632,838,000 | 1,074 |
| Average equity | $77,836,250 | 1,051 |
| Average total loans | $461,884,750 | 1,125 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,738 |
| Cost of funding earning assets | 1.0131% | 447 |
| Net interest margin | 3.2937% | 4,265 |
| Noninterest income to average assets | 0.3765% | 3,640 |
| Noninterest expense to average assets | 2.2182% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9250% | 3,344 |
| Return on assets (ROA) | 0.9273% | 3,337 |
| Pretax return on assets | 1.1397% | 3,168 |
| Return on Equity (ROE) | 8.3338% | 3,347 |
| Retained earnings to average equity (ytd only) | 8.3338% | 1,478 |
| Net charge-offs to loans | -0.0004% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1163% | 2,956 |
| Assets per employee ($millions) | 6.7830% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 62.3760% | 3,555 |
| Net loans and leases to deposits | 79.9227% | 2,964 |
| Net loans and leases to core deposits | 99.9108% | 1,746 |
| Total domestic deposits to total assets | 78.0455% | 4,583 |
| Equity capital to assets | 11.1955% | 2,457 |
| Core capital (leverage) ratio | 11.7275% | 1,890 |
| Tier 1 risk-based capital ratio | 15.5938% | 2,589 |
| Total risk-based capital ratio | 16.8461% | 2,535 |
| Memoranda: | ||
| Average total assets | $696,863,000 | 1,065 |
| Average earning assets | $630,173,330 | 1,080 |
| Average equity | $77,540,000 | 1,048 |
| Average total loans | $469,213,330 | 1,112 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 2,491 |
| Cost of funding earning assets | 0.9815% | 403 |
| Net interest margin | 3.3249% | 4,120 |
| Noninterest income to average assets | 0.1052% | 5,306 |
| Noninterest expense to average assets | 2.2340% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7196% | 4,031 |
| Return on assets (ROA) | 0.7196% | 4,040 |
| Pretax return on assets | 0.8753% | 3,929 |
| Return on Equity (ROE) | 6.4869% | 3,988 |
| Retained earnings to average equity (ytd only) | 6.4869% | 2,509 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8484% | 2,211 |
| Assets per employee ($millions) | 6.8648% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,197 |
| Loan loss allowance to noncurrent loans | 119.6614% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 1,760 |
| Noncurrent loans to loans | 1.3232% | 1,348 |
| Net loans and leases to total assets | 67.1639% | 2,869 |
| Net loans and leases to deposits | 85.4005% | 2,245 |
| Net loans and leases to core deposits | 111.0990% | 936 |
| Total domestic deposits to total assets | 78.6458% | 4,634 |
| Equity capital to assets | 11.1418% | 2,440 |
| Core capital (leverage) ratio | 11.3885% | 2,096 |
| Tier 1 risk-based capital ratio | 14.3522% | 3,199 |
| Total risk-based capital ratio | 15.6034% | 3,108 |
| Memoranda: | ||
| Average total assets | $695,970,500 | 1,071 |
| Average earning assets | $628,831,500 | 1,094 |
| Average equity | $77,201,500 | 1,062 |
| Average total loans | $482,179,000 | 1,093 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,865 |
| Cost of funding earning assets | 0.9874% | 231 |
| Net interest margin | 3.4673% | 3,630 |
| Noninterest income to average assets | 0.1714% | 5,099 |
| Noninterest expense to average assets | 2.1558% | 4,632 |
| Loan and lease loss provision to assets | 0.2854% | 619 |
| Net operating income to assets | 0.7401% | 3,422 |
| Return on assets (ROA) | 0.7505% | 3,428 |
| Pretax return on assets | 0.8902% | 3,946 |
| Return on Equity (ROE) | 7.0653% | 3,238 |
| Retained earnings to average equity (ytd only) | 5.8564% | 1,624 |
| Net charge-offs to loans | 0.0056% | 3,885 |
| Credit loss provision to net charge-offs | 7,142.8571% | 47 |
| Earnings coverage of net charge-offs (x) | 291.1429% | 295 |
| Efficiency ratio | 64.9542% | 3,456 |
| Assets per employee ($millions) | 6.9860% | 974 |
| Cash dividends to net income (ytd only)* | 17.1103% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,325 |
| Loan loss allowance to noncurrent loans | 38.5153% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.7844% | 307 |
| Noncurrent loans to loans | 3.9602% | 241 |
| Net loans and leases to total assets | 69.2383% | 2,640 |
| Net loans and leases to deposits | 87.7579% | 2,046 |
| Net loans and leases to core deposits | 113.8917% | 802 |
| Total domestic deposits to total assets | 78.8970% | 4,563 |
| Equity capital to assets | 11.0438% | 2,590 |
| Core capital (leverage) ratio | 10.9930% | 2,345 |
| Tier 1 risk-based capital ratio | 13.2876% | 3,746 |
| Total risk-based capital ratio | 14.5379% | 3,664 |
| Memoranda: | ||
| Average total assets | $700,845,200 | 1,044 |
| Average earning assets | $636,228,000 | 1,061 |
| Average equity | $74,448,600 | 1,076 |
| Average total loans | $497,711,800 | 1,032 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,906 |
| Cost of funding earning assets | 0.9681% | 229 |
| Net interest margin | 3.4510% | 3,674 |
| Noninterest income to average assets | 0.1884% | 5,071 |
| Noninterest expense to average assets | 2.1442% | 4,645 |
| Loan and lease loss provision to assets | 0.1568% | 1,317 |
| Net operating income to assets | 0.7324% | 3,811 |
| Return on assets (ROA) | 0.7478% | 3,809 |
| Pretax return on assets | 1.0478% | 3,498 |
| Return on Equity (ROE) | 7.1099% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,551 |
| Net charge-offs to loans | -0.0005% | 4,253 |
| Credit loss provision to net charge-offs | -41,250.0000% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4461% | 3,459 |
| Assets per employee ($millions) | 7.0854% | 919 |
| Cash dividends to net income (ytd only)* | 22.8775% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.7390% | 2,601 |
| Net loans and leases to deposits | 89.9228% | 1,818 |
| Net loans and leases to core deposits | 114.6509% | 800 |
| Total domestic deposits to total assets | 77.5543% | 4,798 |
| Equity capital to assets | 10.7443% | 3,121 |
| Core capital (leverage) ratio | 10.7458% | 2,707 |
| Tier 1 risk-based capital ratio | 13.5768% | 3,652 |
| Total risk-based capital ratio | 14.7071% | 3,648 |
| Memoranda: | ||
| Average total assets | $701,407,250 | 1,048 |
| Average earning assets | $637,952,500 | 1,059 |
| Average equity | $73,772,750 | 1,088 |
| Average total loans | $499,342,500 | 1,031 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 1,873 |
| Cost of funding earning assets | 0.9416% | 236 |
| Net interest margin | 3.4403% | 3,628 |
| Noninterest income to average assets | 0.2295% | 4,865 |
| Noninterest expense to average assets | 2.1747% | 4,615 |
| Loan and lease loss provision to assets | 0.2360% | 722 |
| Net operating income to assets | 0.6815% | 3,927 |
| Return on assets (ROA) | 0.6824% | 3,989 |
| Pretax return on assets | 0.9476% | 3,773 |
| Return on Equity (ROE) | 6.5353% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.0692% | 3,282 |
| Net charge-offs to loans | -0.0004% | 4,115 |
| Credit loss provision to net charge-offs | -82,500.0000% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7776% | 3,540 |
| Assets per employee ($millions) | 7.3757% | 789 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.7567% | 2,701 |
| Net loans and leases to deposits | 87.1392% | 2,088 |
| Net loans and leases to core deposits | 114.9505% | 755 |
| Total domestic deposits to total assets | 78.9045% | 4,637 |
| Equity capital to assets | 10.2957% | 3,572 |
| Core capital (leverage) ratio | 10.7872% | 2,616 |
| Tier 1 risk-based capital ratio | 13.1108% | 3,939 |
| Total risk-based capital ratio | 14.2246% | 3,930 |
| Memoranda: | ||
| Average total assets | $699,031,000 | 1,049 |
| Average earning assets | $635,535,000 | 1,066 |
| Average equity | $72,988,000 | 1,097 |
| Average total loans | $498,965,670 | 1,024 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 1,656 |
| Cost of funding earning assets | 0.9306% | 239 |
| Net interest margin | 3.4663% | 3,400 |
| Noninterest income to average assets | 0.3508% | 4,035 |
| Noninterest expense to average assets | 2.2800% | 4,460 |
| Loan and lease loss provision to assets | 0.0215% | 3,303 |
| Net operating income to assets | 0.8535% | 2,975 |
| Return on assets (ROA) | 0.8535% | 3,019 |
| Pretax return on assets | 1.1979% | 2,607 |
| Return on Equity (ROE) | 8.0902% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.1269% | 3,850 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1538% | 3,639 |
| Assets per employee ($millions) | 7.0034% | 954 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.5831% | 2,133 |
| Net loans and leases to deposits | 90.4522% | 1,485 |
| Net loans and leases to core deposits | 114.0129% | 672 |
| Total domestic deposits to total assets | 79.1391% | 4,798 |
| Equity capital to assets | 10.5164% | 3,167 |
| Core capital (leverage) ratio | 10.8413% | 2,555 |
| Tier 1 risk-based capital ratio | 12.9255% | 4,128 |
| Total risk-based capital ratio | 13.8999% | 4,196 |
| Memoranda: | ||
| Average total assets | $687,531,500 | 1,069 |
| Average earning assets | $624,528,000 | 1,081 |
| Average equity | $72,532,500 | 1,100 |
| Average total loans | $496,782,500 | 1,023 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,626 |
| Cost of funding earning assets | 0.8895% | 317 |
| Net interest margin | 3.5822% | 3,129 |
| Noninterest income to average assets | 0.1297% | 5,538 |
| Noninterest expense to average assets | 2.1873% | 4,804 |
| Loan and lease loss provision to assets | 0.0054% | 4,249 |
| Net operating income to assets | 0.8266% | 3,176 |
| Return on assets (ROA) | 0.8984% | 2,952 |
| Pretax return on assets | 1.2850% | 2,334 |
| Return on Equity (ROE) | 8.4375% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.4375% | 724 |
| Net charge-offs to loans | -0.0010% | 4,648 |
| Credit loss provision to net charge-offs | -720.0000% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8064% | 3,797 |
| Assets per employee ($millions) | 7.1761% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.3156% | 2,273 |
| Net loans and leases to deposits | 91.2981% | 1,536 |
| Net loans and leases to core deposits | 116.0815% | 614 |
| Total domestic deposits to total assets | 78.1129% | 4,964 |
| Equity capital to assets | 10.5836% | 3,059 |
| Core capital (leverage) ratio | 11.0019% | 2,337 |
| Tier 1 risk-based capital ratio | 12.4536% | 4,405 |
| Total risk-based capital ratio | 13.3932% | 4,501 |
| Memoranda: | ||
| Average total assets | $667,856,400 | 1,063 |
| Average earning assets | $605,072,000 | 1,075 |
| Average equity | $71,111,000 | 1,106 |
| Average total loans | $492,912,600 | 985 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 1,628 |
| Cost of funding earning assets | 0.8975% | 300 |
| Net interest margin | 3.5735% | 3,185 |
| Noninterest income to average assets | 0.1272% | 5,614 |
| Noninterest expense to average assets | 2.2348% | 4,679 |
| Loan and lease loss provision to assets | 0.0072% | 4,083 |
| Net operating income to assets | 0.7877% | 3,424 |
| Return on assets (ROA) | 0.8754% | 3,158 |
| Pretax return on assets | 1.2474% | 2,630 |
| Return on Equity (ROE) | 8.2086% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.2086% | 1,082 |
| Net charge-offs to loans | -0.0011% | 4,444 |
| Credit loss provision to net charge-offs | -900.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4281% | 3,515 |
| Assets per employee ($millions) | 7.1668% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.4327% | 1,801 |
| Net loans and leases to deposits | 91.3413% | 1,592 |
| Net loans and leases to core deposits | 116.4032% | 643 |
| Total domestic deposits to total assets | 81.4886% | 4,107 |
| Equity capital to assets | 10.8516% | 3,201 |
| Core capital (leverage) ratio | 10.7166% | 2,767 |
| Tier 1 risk-based capital ratio | 11.7269% | 4,969 |
| Total risk-based capital ratio | 12.6318% | 5,066 |
| Memoranda: | ||
| Average total assets | $664,389,000 | 1,068 |
| Average earning assets | $601,825,250 | 1,087 |
| Average equity | $70,851,000 | 1,112 |
| Average total loans | $493,216,750 | 989 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 1,705 |
| Cost of funding earning assets | 0.9057% | 282 |
| Net interest margin | 3.5359% | 3,348 |
| Noninterest income to average assets | 0.1210% | 5,705 |
| Noninterest expense to average assets | 2.2507% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7523% | 3,538 |
| Return on assets (ROA) | 0.8825% | 3,073 |
| Pretax return on assets | 1.2572% | 2,576 |
| Return on Equity (ROE) | 8.3253% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.3253% | 1,061 |
| Net charge-offs to loans | -0.0012% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7531% | 3,388 |
| Assets per employee ($millions) | 7.0938% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.4927% | 2,090 |
| Net loans and leases to deposits | 86.6348% | 2,176 |
| Net loans and leases to core deposits | 113.5984% | 742 |
| Total domestic deposits to total assets | 83.6761% | 3,394 |
| Equity capital to assets | 10.6867% | 3,419 |
| Core capital (leverage) ratio | 10.4681% | 3,009 |
| Tier 1 risk-based capital ratio | 11.9451% | 4,865 |
| Total risk-based capital ratio | 12.8794% | 4,976 |
| Memoranda: | ||
| Average total assets | $661,292,670 | 1,076 |
| Average earning assets | $598,665,330 | 1,091 |
| Average equity | $70,099,670 | 1,126 |
| Average total loans | $488,637,000 | 998 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 1,579 |
| Cost of funding earning assets | 0.9107% | 276 |
| Net interest margin | 3.5650% | 3,224 |
| Noninterest income to average assets | 0.1069% | 5,802 |
| Noninterest expense to average assets | 2.2254% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7769% | 3,367 |
| Return on assets (ROA) | 0.8819% | 2,968 |
| Pretax return on assets | 1.2495% | 2,505 |
| Return on Equity (ROE) | 8.3541% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.3541% | 1,320 |
| Net charge-offs to loans | -0.0008% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8869% | 3,651 |
| Assets per employee ($millions) | 7.0495% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.3310% | 1,827 |
| Net loans and leases to deposits | 88.6689% | 1,739 |
| Net loans and leases to core deposits | 119.3203% | 483 |
| Total domestic deposits to total assets | 82.7020% | 4,002 |
| Equity capital to assets | 10.7090% | 3,245 |
| Core capital (leverage) ratio | 10.6071% | 2,842 |
| Tier 1 risk-based capital ratio | 11.6310% | 5,149 |
| Total risk-based capital ratio | 12.5598% | 5,244 |
| Memoranda: | ||
| Average total assets | $654,981,500 | 1,077 |
| Average earning assets | $591,637,500 | 1,103 |
| Average equity | $69,140,000 | 1,137 |
| Average total loans | $485,945,000 | 999 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,215 |
| Cost of funding earning assets | 0.8665% | 341 |
| Net interest margin | 3.7831% | 2,433 |
| Noninterest income to average assets | 0.1269% | 5,777 |
| Noninterest expense to average assets | 2.1378% | 5,179 |
| Loan and lease loss provision to assets | 0.0710% | 2,859 |
| Net operating income to assets | 0.9377% | 2,670 |
| Return on assets (ROA) | 0.9895% | 2,510 |
| Pretax return on assets | 1.4003% | 1,901 |
| Return on Equity (ROE) | 9.7874% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.7874% | 493 |
| Net charge-offs to loans | -0.0002% | 4,811 |
| Credit loss provision to net charge-offs | -45,500.0000% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4569% | 4,850 |
| Assets per employee ($millions) | 6.8162% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.3802% | 1,829 |
| Net loans and leases to deposits | 88.6171% | 1,794 |
| Net loans and leases to core deposits | 117.4094% | 563 |
| Total domestic deposits to total assets | 82.8060% | 3,904 |
| Equity capital to assets | 10.4027% | 3,483 |
| Core capital (leverage) ratio | 10.3532% | 3,101 |
| Tier 1 risk-based capital ratio | 11.3143% | 5,371 |
| Total risk-based capital ratio | 12.2369% | 5,431 |
| Memoranda: | ||
| Average total assets | $641,233,800 | 1,067 |
| Average earning assets | $577,835,400 | 1,077 |
| Average equity | $64,828,000 | 1,167 |
| Average total loans | $470,364,000 | 987 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 1,235 |
| Cost of funding earning assets | 0.8556% | 368 |
| Net interest margin | 3.7845% | 2,444 |
| Noninterest income to average assets | 0.1304% | 5,824 |
| Noninterest expense to average assets | 2.1769% | 5,112 |
| Loan and lease loss provision to assets | 0.0882% | 2,395 |
| Net operating income to assets | 0.9053% | 2,939 |
| Return on assets (ROA) | 0.9748% | 2,677 |
| Pretax return on assets | 1.3733% | 2,124 |
| Return on Equity (ROE) | 9.7138% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.7138% | 689 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4840% | 4,649 |
| Assets per employee ($millions) | 7.1417% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 72.9769% | 1,911 |
| Net loans and leases to deposits | 88.7413% | 1,805 |
| Net loans and leases to core deposits | 117.6961% | 539 |
| Total domestic deposits to total assets | 82.2356% | 4,088 |
| Equity capital to assets | 10.0073% | 4,136 |
| Core capital (leverage) ratio | 10.2168% | 3,350 |
| Tier 1 risk-based capital ratio | 10.4902% | 5,884 |
| Total risk-based capital ratio | 11.3619% | 5,957 |
| Memoranda: | ||
| Average total assets | $637,953,250 | 1,083 |
| Average earning assets | $574,857,750 | 1,091 |
| Average equity | $64,017,250 | 1,188 |
| Average total loans | $466,543,250 | 995 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,163 |
| Cost of funding earning assets | 0.8509% | 379 |
| Net interest margin | 3.8017% | 2,302 |
| Noninterest income to average assets | 0.1348% | 5,882 |
| Noninterest expense to average assets | 2.1675% | 5,188 |
| Loan and lease loss provision to assets | 0.1027% | 2,121 |
| Net operating income to assets | 0.9146% | 2,802 |
| Return on assets (ROA) | 0.9796% | 2,607 |
| Pretax return on assets | 1.3785% | 2,070 |
| Return on Equity (ROE) | 9.7530% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.7530% | 714 |
| Net charge-offs to loans | 0.0004% | 3,885 |
| Credit loss provision to net charge-offs | 32,300.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 4,372.0000% | 8 |
| Efficiency ratio | 60.9329% | 4,838 |
| Assets per employee ($millions) | 7.2077% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 4,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.3120% | 1,929 |
| Net loans and leases to deposits | 89.1691% | 1,697 |
| Net loans and leases to core deposits | 116.0266% | 592 |
| Total domestic deposits to total assets | 81.0953% | 4,586 |
| Equity capital to assets | 9.9827% | 4,059 |
| Core capital (leverage) ratio | 10.1905% | 3,347 |
| Tier 1 risk-based capital ratio | 10.7748% | 5,817 |
| Total risk-based capital ratio | 11.6754% | 5,888 |
| Memoranda: | ||
| Average total assets | $629,212,000 | 1,097 |
| Average earning assets | $566,438,000 | 1,114 |
| Average equity | $63,201,000 | 1,208 |
| Average total loans | $458,677,330 | 1,012 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,491 |
| Cost of funding earning assets | 0.8394% | 401 |
| Net interest margin | 3.6511% | 2,810 |
| Noninterest income to average assets | 0.1143% | 6,024 |
| Noninterest expense to average assets | 2.1667% | 5,235 |
| Loan and lease loss provision to assets | 0.0636% | 2,656 |
| Net operating income to assets | 0.8340% | 3,090 |
| Return on assets (ROA) | 0.9726% | 2,515 |
| Pretax return on assets | 1.3713% | 1,996 |
| Return on Equity (ROE) | 9.6524% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.6524% | 1,006 |
| Net charge-offs to loans | -0.0009% | 4,320 |
| Credit loss provision to net charge-offs | -9,900.0000% | 5,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6072% | 4,536 |
| Assets per employee ($millions) | 6.9694% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 4,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 72.4980% | 1,732 |
| Net loans and leases to deposits | 88.4749% | 1,564 |
| Net loans and leases to core deposits | 120.1574% | 410 |
| Total domestic deposits to total assets | 81.9419% | 4,526 |
| Equity capital to assets | 10.0759% | 4,051 |
| Core capital (leverage) ratio | 10.1251% | 3,430 |
| Tier 1 risk-based capital ratio | 10.8898% | 5,856 |
| Total risk-based capital ratio | 11.7914% | 5,935 |
| Memoranda: | ||
| Average total assets | $623,074,500 | 1,112 |
| Average earning assets | $561,801,000 | 1,124 |
| Average equity | $62,782,500 | 1,215 |
| Average total loans | $453,407,500 | 1,023 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 1,563 |
| Cost of funding earning assets | 0.8841% | 428 |
| Net interest margin | 3.7128% | 2,961 |
| Noninterest income to average assets | 0.2516% | 5,325 |
| Noninterest expense to average assets | 2.1667% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9760% | 2,499 |
| Return on assets (ROA) | 1.0505% | 2,230 |
| Pretax return on assets | 1.5274% | 1,445 |
| Return on Equity (ROE) | 10.2542% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.2542% | 478 |
| Net charge-offs to loans | -0.0044% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4191% | 5,163 |
| Assets per employee ($millions) | 7.2813% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 4,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 71.4051% | 2,015 |
| Net loans and leases to deposits | 91.9506% | 1,294 |
| Net loans and leases to core deposits | 121.2085% | 384 |
| Total domestic deposits to total assets | 77.6559% | 5,496 |
| Equity capital to assets | 10.0766% | 4,012 |
| Core capital (leverage) ratio | 10.1298% | 3,394 |
| Tier 1 risk-based capital ratio | 11.5145% | 5,652 |
| Total risk-based capital ratio | 12.4726% | 5,734 |
| Memoranda: | ||
| Average total assets | $576,220,400 | 1,145 |
| Average earning assets | $517,504,400 | 1,183 |
| Average equity | $59,029,600 | 1,238 |
| Average total loans | $410,646,400 | 1,068 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 1,576 |
| Cost of funding earning assets | 0.8899% | 436 |
| Net interest margin | 3.7042% | 3,004 |
| Noninterest income to average assets | 0.1572% | 5,969 |
| Noninterest expense to average assets | 2.1185% | 5,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9407% | 2,728 |
| Return on assets (ROA) | 1.0086% | 2,480 |
| Pretax return on assets | 1.4610% | 1,775 |
| Return on Equity (ROE) | 9.8012% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.8012% | 758 |
| Net charge-offs to loans | -0.0020% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8560% | 5,064 |
| Assets per employee ($millions) | 6.5397% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 4,162 |
| Loan loss allowance to noncurrent loans | 310.4709% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 5,166 |
| Noncurrent loans to loans | 0.3903% | 4,744 |
| Net loans and leases to total assets | 69.4035% | 2,285 |
| Net loans and leases to deposits | 85.2082% | 2,003 |
| Net loans and leases to core deposits | 115.9436% | 507 |
| Total domestic deposits to total assets | 81.4516% | 4,679 |
| Equity capital to assets | 10.2840% | 3,805 |
| Core capital (leverage) ratio | 10.1869% | 3,426 |
| Tier 1 risk-based capital ratio | 11.9267% | 5,534 |
| Total risk-based capital ratio | 12.9465% | 5,592 |
| Memoranda: | ||
| Average total assets | $565,548,750 | 1,180 |
| Average earning assets | $507,483,000 | 1,220 |
| Average equity | $58,195,750 | 1,262 |
| Average total loans | $401,569,500 | 1,092 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 1,493 |
| Cost of funding earning assets | 0.8741% | 495 |
| Net interest margin | 3.7408% | 2,794 |
| Noninterest income to average assets | 0.1520% | 6,046 |
| Noninterest expense to average assets | 2.1037% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9686% | 2,458 |
| Return on assets (ROA) | 1.0282% | 2,276 |
| Pretax return on assets | 1.4856% | 1,578 |
| Return on Equity (ROE) | 9.9899% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.9899% | 717 |
| Net charge-offs to loans | -0.0025% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0553% | 5,289 |
| Assets per employee ($millions) | 6.4622% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.1797% | 2,049 |
| Net loans and leases to deposits | 84.3612% | 2,001 |
| Net loans and leases to core deposits | 114.8827% | 506 |
| Total domestic deposits to total assets | 83.1895% | 4,227 |
| Equity capital to assets | 10.3828% | 3,580 |
| Core capital (leverage) ratio | 10.3558% | 3,131 |
| Tier 1 risk-based capital ratio | 12.1465% | 5,454 |
| Total risk-based capital ratio | 13.2102% | 5,493 |
| Memoranda: | ||
| Average total assets | $557,874,000 | 1,197 |
| Average earning assets | $499,727,000 | 1,237 |
| Average equity | $57,418,000 | 1,271 |
| Average total loans | $397,592,330 | 1,098 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,583 |
| Cost of funding earning assets | 0.8663% | 541 |
| Net interest margin | 3.7044% | 2,850 |
| Noninterest income to average assets | 0.1318% | 6,186 |
| Noninterest expense to average assets | 2.1286% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9166% | 2,566 |
| Return on assets (ROA) | 0.9419% | 2,517 |
| Pretax return on assets | 1.3488% | 1,923 |
| Return on Equity (ROE) | 9.1935% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.1935% | 1,198 |
| Net charge-offs to loans | -0.0051% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8557% | 5,146 |
| Assets per employee ($millions) | 6.9031% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 4,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 68.5498% | 2,133 |
| Net loans and leases to deposits | 81.9239% | 2,050 |
| Net loans and leases to core deposits | 106.8708% | 722 |
| Total domestic deposits to total assets | 83.6749% | 4,390 |
| Equity capital to assets | 10.0114% | 3,828 |
| Core capital (leverage) ratio | 10.5295% | 2,890 |
| Tier 1 risk-based capital ratio | 11.9146% | 5,699 |
| Total risk-based capital ratio | 12.9871% | 5,733 |
| Memoranda: | ||
| Average total assets | $552,476,000 | 1,217 |
| Average earning assets | $493,570,500 | 1,257 |
| Average equity | $56,605,000 | 1,285 |
| Average total loans | $394,338,000 | 1,115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,578 |
| Cost of funding earning assets | 0.9457% | 590 |
| Net interest margin | 3.7520% | 2,841 |
| Noninterest income to average assets | 0.2349% | 5,665 |
| Noninterest expense to average assets | 2.0288% | 5,974 |
| Loan and lease loss provision to assets | 0.0401% | 4,318 |
| Net operating income to assets | 1.0815% | 1,996 |
| Return on assets (ROA) | 1.2110% | 1,594 |
| Pretax return on assets | 1.7446% | 863 |
| Return on Equity (ROE) | 11.3323% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.3323% | 384 |
| Net charge-offs to loans | -0.0017% | 5,840 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9551% | 5,952 |
| Assets per employee ($millions) | 6.7341% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 4,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.5384% | 1,592 |
| Net loans and leases to deposits | 92.5353% | 1,001 |
| Net loans and leases to core deposits | 123.6519% | 275 |
| Total domestic deposits to total assets | 78.3899% | 5,765 |
| Equity capital to assets | 10.4981% | 3,163 |
| Core capital (leverage) ratio | 10.5685% | 2,824 |
| Tier 1 risk-based capital ratio | 11.7627% | 5,766 |
| Total risk-based capital ratio | 12.8456% | 5,796 |
| Memoranda: | ||
| Average total assets | $498,577,200 | 1,332 |
| Average earning assets | $450,586,600 | 1,348 |
| Average equity | $53,281,400 | 1,331 |
| Average total loans | $348,160,200 | 1,230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,756 |
| Cost of funding earning assets | 0.9551% | 625 |
| Net interest margin | 3.6903% | 3,063 |
| Noninterest income to average assets | 0.2113% | 5,911 |
| Noninterest expense to average assets | 1.9966% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0882% | 2,050 |
| Return on assets (ROA) | 1.2467% | 1,564 |
| Pretax return on assets | 1.7967% | 917 |
| Return on Equity (ROE) | 11.6108% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.6108% | 486 |
| Net charge-offs to loans | -0.0024% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0296% | 5,898 |
| Assets per employee ($millions) | 6.4302% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.3702% | 1,712 |
| Net loans and leases to deposits | 88.7694% | 1,287 |
| Net loans and leases to core deposits | 119.2037% | 338 |
| Total domestic deposits to total assets | 80.3995% | 5,390 |
| Equity capital to assets | 10.7129% | 3,053 |
| Core capital (leverage) ratio | 10.8998% | 2,572 |
| Tier 1 risk-based capital ratio | 12.1670% | 5,673 |
| Total risk-based capital ratio | 13.2721% | 5,706 |
| Memoranda: | ||
| Average total assets | $490,223,250 | 1,362 |
| Average earning assets | $445,297,500 | 1,373 |
| Average equity | $52,639,500 | 1,361 |
| Average total loans | $337,474,250 | 1,267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 2,017 |
| Cost of funding earning assets | 0.9691% | 646 |
| Net interest margin | 3.5856% | 3,430 |
| Noninterest income to average assets | 0.2242% | 5,838 |
| Noninterest expense to average assets | 2.0186% | 6,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0230% | 2,227 |
| Return on assets (ROA) | 1.2740% | 1,487 |
| Pretax return on assets | 1.8377% | 847 |
| Return on Equity (ROE) | 11.8549% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.8549% | 523 |
| Net charge-offs to loans | -0.0031% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7983% | 5,765 |
| Assets per employee ($millions) | 6.3841% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 3,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.3824% | 2,172 |
| Net loans and leases to deposits | 82.6820% | 1,966 |
| Net loans and leases to core deposits | 114.3635% | 426 |
| Total domestic deposits to total assets | 82.7053% | 4,809 |
| Equity capital to assets | 10.6756% | 3,092 |
| Core capital (leverage) ratio | 10.8222% | 2,532 |
| Tier 1 risk-based capital ratio | 12.8482% | 5,260 |
| Total risk-based capital ratio | 14.0482% | 5,223 |
| Memoranda: | ||
| Average total assets | $484,301,670 | 1,376 |
| Average earning assets | $441,438,000 | 1,385 |
| Average equity | $52,046,000 | 1,380 |
| Average total loans | $327,513,330 | 1,302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 2,142 |
| Cost of funding earning assets | 1.0100% | 590 |
| Net interest margin | 3.4972% | 3,711 |
| Noninterest income to average assets | 0.1972% | 6,066 |
| Noninterest expense to average assets | 2.0863% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9056% | 2,622 |
| Return on assets (ROA) | 1.3099% | 1,358 |
| Pretax return on assets | 1.8841% | 755 |
| Return on Equity (ROE) | 12.1475% | 1,380 |
| Retained earnings to average equity (ytd only) | 12.1475% | 682 |
| Net charge-offs to loans | -0.0050% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4913% | 5,376 |
| Assets per employee ($millions) | 6.2782% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.0306% | 2,365 |
| Net loans and leases to deposits | 79.2388% | 2,180 |
| Net loans and leases to core deposits | 107.7121% | 570 |
| Total domestic deposits to total assets | 83.3312% | 4,745 |
| Equity capital to assets | 10.8429% | 3,155 |
| Core capital (leverage) ratio | 10.5942% | 2,657 |
| Tier 1 risk-based capital ratio | 13.2606% | 5,042 |
| Total risk-based capital ratio | 14.5134% | 4,987 |
| Memoranda: | ||
| Average total assets | $480,664,000 | 1,396 |
| Average earning assets | $439,212,500 | 1,408 |
| Average equity | $51,829,500 | 1,406 |
| Average total loans | $320,792,000 | 1,321 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 1,001 |
| Cost of funding earning assets | 1.2255% | 513 |
| Net interest margin | 4.0345% | 2,255 |
| Noninterest income to average assets | 0.3616% | 4,895 |
| Noninterest expense to average assets | 2.1277% | 6,068 |
| Loan and lease loss provision to assets | 0.1874% | 3,297 |
| Net operating income to assets | 1.2419% | 1,470 |
| Return on assets (ROA) | 1.4700% | 1,083 |
| Pretax return on assets | 2.0954% | 499 |
| Return on Equity (ROE) | 15.3703% | 750 |
| Retained earnings to average equity (ytd only) | 15.3703% | 141 |
| Net charge-offs to loans | -0.0219% | 6,569 |
| Credit loss provision to net charge-offs | -1,211.7647% | 6,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0906% | 6,454 |
| Assets per employee ($millions) | 6.2882% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.4472% | 2,621 |
| Net loans and leases to deposits | 78.3259% | 2,482 |
| Net loans and leases to core deposits | 107.1063% | 647 |
| Total domestic deposits to total assets | 83.5576% | 4,515 |
| Equity capital to assets | 10.7222% | 3,253 |
| Core capital (leverage) ratio | 10.4978% | 2,771 |
| Tier 1 risk-based capital ratio | 13.2182% | 4,951 |
| Total risk-based capital ratio | 14.4689% | 4,892 |
| Memoranda: | ||
| Average total assets | $439,715,000 | 1,500 |
| Average earning assets | $405,780,000 | 1,485 |
| Average equity | $42,055,000 | 1,655 |
| Average total loans | $310,055,400 | 1,355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3845% | 861 |
| Cost of funding earning assets | 1.2592% | 537 |
| Net interest margin | 4.1252% | 2,003 |
| Noninterest income to average assets | 0.2718% | 5,615 |
| Noninterest expense to average assets | 2.1464% | 6,074 |
| Loan and lease loss provision to assets | 0.1934% | 3,162 |
| Net operating income to assets | 1.2329% | 1,623 |
| Return on assets (ROA) | 1.5262% | 1,084 |
| Pretax return on assets | 2.1740% | 500 |
| Return on Equity (ROE) | 16.5127% | 668 |
| Retained earnings to average equity (ytd only) | 16.5127% | 173 |
| Net charge-offs to loans | -0.0043% | 6,262 |
| Credit loss provision to net charge-offs | -6,240.0000% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4184% | 6,418 |
| Assets per employee ($millions) | 6.2410% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 69.5757% | 1,998 |
| Net loans and leases to deposits | 83.3495% | 1,949 |
| Net loans and leases to core deposits | 118.1511% | 344 |
| Total domestic deposits to total assets | 83.4746% | 4,449 |
| Equity capital to assets | 9.2843% | 5,488 |
| Core capital (leverage) ratio | 9.0536% | 4,983 |
| Tier 1 risk-based capital ratio | 10.7446% | 6,588 |
| Total risk-based capital ratio | 11.9676% | 6,584 |
| Memoranda: | ||
| Average total assets | $430,167,750 | 1,546 |
| Average earning assets | $398,641,000 | 1,527 |
| Average equity | $39,758,250 | 1,765 |
| Average total loans | $308,175,750 | 1,371 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 700 |
| Cost of funding earning assets | 1.3067% | 510 |
| Net interest margin | 4.2069% | 1,732 |
| Noninterest income to average assets | 0.2698% | 5,649 |
| Noninterest expense to average assets | 2.1887% | 6,039 |
| Loan and lease loss provision to assets | 0.2974% | 2,201 |
| Net operating income to assets | 1.1811% | 1,783 |
| Return on assets (ROA) | 1.6039% | 926 |
| Pretax return on assets | 2.2821% | 430 |
| Return on Equity (ROE) | 17.3819% | 590 |
| Retained earnings to average equity (ytd only) | 17.3819% | 167 |
| Net charge-offs to loans | -0.0046% | 6,151 |
| Credit loss provision to net charge-offs | -8,914.2857% | 6,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5581% | 6,455 |
| Assets per employee ($millions) | 5.9716% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 4,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 70.0068% | 1,917 |
| Net loans and leases to deposits | 82.6891% | 2,025 |
| Net loans and leases to core deposits | 115.3468% | 410 |
| Total domestic deposits to total assets | 84.6626% | 4,023 |
| Equity capital to assets | 9.4219% | 5,165 |
| Core capital (leverage) ratio | 8.9959% | 4,924 |
| Tier 1 risk-based capital ratio | 11.0146% | 6,487 |
| Total risk-based capital ratio | 12.2645% | 6,467 |
| Memoranda: | ||
| Average total assets | $419,612,000 | 1,586 |
| Average earning assets | $388,459,670 | 1,563 |
| Average equity | $38,718,330 | 1,797 |
| Average total loans | $302,279,000 | 1,402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 557 |
| Cost of funding earning assets | 1.3159% | 590 |
| Net interest margin | 4.3494% | 1,335 |
| Noninterest income to average assets | 0.1915% | 6,236 |
| Noninterest expense to average assets | 2.2788% | 5,824 |
| Loan and lease loss provision to assets | 0.6066% | 941 |
| Net operating income to assets | 0.9356% | 2,766 |
| Return on assets (ROA) | 1.6692% | 849 |
| Pretax return on assets | 2.3740% | 408 |
| Return on Equity (ROE) | 18.2947% | 518 |
| Retained earnings to average equity (ytd only) | 18.2947% | 240 |
| Net charge-offs to loans | -0.0067% | 5,848 |
| Credit loss provision to net charge-offs | -12,480.0000% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1090% | 6,338 |
| Assets per employee ($millions) | 6.0396% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 4,153 |
| Loan loss allowance to noncurrent loans | 4,279.2453% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 6,845 |
| Noncurrent loans to loans | 0.0350% | 6,677 |
| Net loans and leases to total assets | 70.4764% | 1,674 |
| Net loans and leases to deposits | 83.1156% | 1,776 |
| Net loans and leases to core deposits | 114.3074% | 420 |
| Total domestic deposits to total assets | 84.7933% | 4,125 |
| Equity capital to assets | 9.2823% | 5,115 |
| Core capital (leverage) ratio | 9.1956% | 4,523 |
| Tier 1 risk-based capital ratio | 10.6525% | 6,695 |
| Total risk-based capital ratio | 11.9032% | 6,674 |
| Memoranda: | ||
| Average total assets | $411,453,500 | 1,615 |
| Average earning assets | $380,281,500 | 1,596 |
| Average equity | $37,541,000 | 1,858 |
| Average total loans | $298,559,500 | 1,422 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9466% | 474 |
| Cost of funding earning assets | 1.5280% | 641 |
| Net interest margin | 4.4185% | 1,352 |
| Noninterest income to average assets | 0.2276% | 5,903 |
| Noninterest expense to average assets | 2.4171% | 5,725 |
| Loan and lease loss provision to assets | 0.2742% | 3,477 |
| Net operating income to assets | 1.1467% | 1,678 |
| Return on assets (ROA) | 1.2955% | 1,363 |
| Pretax return on assets | 1.8289% | 758 |
| Return on Equity (ROE) | 14.2005% | 885 |
| Retained earnings to average equity (ytd only) | 14.2005% | 166 |
| Net charge-offs to loans | 0.0876% | 5,457 |
| Credit loss provision to net charge-offs | 434.7826% | 521 |
| Earnings coverage of net charge-offs (x) | 30.0217% | 844 |
| Efficiency ratio | 56.0723% | 6,309 |
| Assets per employee ($millions) | 5.6357% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.6558% | 1,522 |
| Net loans and leases to deposits | 87.0954% | 1,506 |
| Net loans and leases to core deposits | 118.4992% | 387 |
| Total domestic deposits to total assets | 83.4210% | 4,584 |
| Equity capital to assets | 8.9568% | 5,594 |
| Core capital (leverage) ratio | 8.9689% | 4,837 |
| Tier 1 risk-based capital ratio | 10.4716% | 6,698 |
| Total risk-based capital ratio | 11.6419% | 6,712 |
| Memoranda: | ||
| Average total assets | $364,646,600 | 1,778 |
| Average earning assets | $336,966,600 | 1,762 |
| Average equity | $33,266,400 | 2,002 |
| Average total loans | $262,634,800 | 1,602 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9248% | 535 |
| Cost of funding earning assets | 1.5725% | 659 |
| Net interest margin | 4.3524% | 1,556 |
| Noninterest income to average assets | 0.2335% | 5,949 |
| Noninterest expense to average assets | 2.5251% | 5,375 |
| Loan and lease loss provision to assets | 0.2249% | 3,762 |
| Net operating income to assets | 1.0640% | 2,089 |
| Return on assets (ROA) | 1.2644% | 1,583 |
| Pretax return on assets | 1.7955% | 964 |
| Return on Equity (ROE) | 13.7894% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.7894% | 305 |
| Net charge-offs to loans | -0.0058% | 6,724 |
| Credit loss provision to net charge-offs | -5,454.5455% | 6,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2873% | 5,829 |
| Assets per employee ($millions) | 5.6588% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 72.3926% | 1,630 |
| Net loans and leases to deposits | 86.5251% | 1,620 |
| Net loans and leases to core deposits | 120.9834% | 361 |
| Total domestic deposits to total assets | 83.6666% | 4,394 |
| Equity capital to assets | 8.8153% | 5,965 |
| Core capital (leverage) ratio | 9.2074% | 4,620 |
| Tier 1 risk-based capital ratio | 10.4572% | 6,796 |
| Total risk-based capital ratio | 11.6387% | 6,809 |
| Memoranda: | ||
| Average total assets | $355,775,000 | 1,828 |
| Average earning assets | $329,069,750 | 1,805 |
| Average equity | $32,623,250 | 2,036 |
| Average total loans | $254,636,750 | 1,659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 612 |
| Cost of funding earning assets | 1.6237% | 636 |
| Net interest margin | 4.2539% | 1,827 |
| Noninterest income to average assets | 0.2417% | 5,917 |
| Noninterest expense to average assets | 2.5165% | 5,466 |
| Loan and lease loss provision to assets | 0.2905% | 3,064 |
| Net operating income to assets | 0.9614% | 2,384 |
| Return on assets (ROA) | 1.1766% | 1,729 |
| Pretax return on assets | 1.6786% | 1,098 |
| Return on Equity (ROE) | 12.6466% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.6466% | 429 |
| Net charge-offs to loans | -0.0090% | 6,665 |
| Credit loss provision to net charge-offs | -4,545.4545% | 6,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2281% | 5,837 |
| Assets per employee ($millions) | 5.2392% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.2428% | 1,953 |
| Net loans and leases to deposits | 84.9878% | 1,948 |
| Net loans and leases to core deposits | 117.4421% | 492 |
| Total domestic deposits to total assets | 83.8271% | 4,424 |
| Equity capital to assets | 9.1650% | 5,332 |
| Core capital (leverage) ratio | 9.4570% | 4,019 |
| Tier 1 risk-based capital ratio | 11.0726% | 6,469 |
| Total risk-based capital ratio | 12.3227% | 6,457 |
| Memoranda: | ||
| Average total assets | $344,214,330 | 1,898 |
| Average earning assets | $318,533,670 | 1,873 |
| Average equity | $32,024,330 | 2,061 |
| Average total loans | $244,045,670 | 1,749 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8242% | 706 |
| Cost of funding earning assets | 1.6799% | 604 |
| Net interest margin | 4.1443% | 2,100 |
| Noninterest income to average assets | 0.2253% | 6,117 |
| Noninterest expense to average assets | 2.5998% | 5,223 |
| Loan and lease loss provision to assets | 0.1788% | 3,831 |
| Net operating income to assets | 0.8880% | 2,627 |
| Return on assets (ROA) | 1.1586% | 1,683 |
| Pretax return on assets | 1.6676% | 1,045 |
| Return on Equity (ROE) | 12.3544% | 1,367 |
| Retained earnings to average equity (ytd only) | 12.3544% | 688 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1282% | 5,347 |
| Assets per employee ($millions) | 4.9668% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 69.0508% | 2,312 |
| Net loans and leases to deposits | 82.1035% | 2,346 |
| Net loans and leases to core deposits | 107.6184% | 861 |
| Total domestic deposits to total assets | 84.1022% | 4,452 |
| Equity capital to assets | 9.3249% | 4,683 |
| Core capital (leverage) ratio | 9.4716% | 3,857 |
| Tier 1 risk-based capital ratio | 11.6347% | 5,997 |
| Total risk-based capital ratio | 12.8648% | 5,994 |
| Memoranda: | ||
| Average total assets | $335,568,500 | 1,954 |
| Average earning assets | $310,016,500 | 1,925 |
| Average equity | $31,470,500 | 2,081 |
| Average total loans | $235,471,000 | 1,823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 797 |
| Cost of funding earning assets | 1.9976% | 615 |
| Net interest margin | 4.0311% | 2,886 |
| Noninterest income to average assets | 0.2601% | 5,937 |
| Noninterest expense to average assets | 2.5018% | 5,789 |
| Loan and lease loss provision to assets | 0.0479% | 6,680 |
| Net operating income to assets | 0.9867% | 2,082 |
| Return on assets (ROA) | 1.0439% | 1,996 |
| Pretax return on assets | 1.5289% | 1,302 |
| Return on Equity (ROE) | 11.0668% | 1,565 |
| Retained earnings to average equity (ytd only) | 9.3731% | 627 |
| Net charge-offs to loans | 0.0107% | 6,723 |
| Credit loss provision to net charge-offs | 625.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 194.6667% | 132 |
| Efficiency ratio | 62.6300% | 5,599 |
| Assets per employee ($millions) | 4.7599% | 2,466 |
| Cash dividends to net income (ytd only)* | 15.3046% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 69.3834% | 2,689 |
| Net loans and leases to deposits | 86.1642% | 2,064 |
| Net loans and leases to core deposits | 113.6868% | 739 |
| Total domestic deposits to total assets | 80.5246% | 5,678 |
| Equity capital to assets | 9.4340% | 4,496 |
| Core capital (leverage) ratio | 9.2358% | 4,115 |
| Tier 1 risk-based capital ratio | 11.8792% | 5,590 |
| Total risk-based capital ratio | 13.1168% | 5,589 |
| Memoranda: | ||
| Average total assets | $312,973,600 | 2,071 |
| Average earning assets | $289,946,600 | 2,046 |
| Average equity | $29,520,800 | 2,210 |
| Average total loans | $224,597,600 | 1,939 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0031% | 929 |
| Cost of funding earning assets | 1.9889% | 781 |
| Net interest margin | 4.0142% | 3,033 |
| Noninterest income to average assets | 0.2144% | 6,379 |
| Noninterest expense to average assets | 2.5091% | 5,689 |
| Loan and lease loss provision to assets | 0.0216% | 6,842 |
| Net operating income to assets | 0.9428% | 2,444 |
| Return on assets (ROA) | 1.0188% | 2,284 |
| Pretax return on assets | 1.5153% | 1,571 |
| Return on Equity (ROE) | 10.8017% | 1,850 |
| Retained earnings to average equity (ytd only) | 8.5152% | 1,235 |
| Net charge-offs to loans | 0.0144% | 6,473 |
| Credit loss provision to net charge-offs | 208.3333% | 1,694 |
| Earnings coverage of net charge-offs (x) | 137.4966% | 234 |
| Efficiency ratio | 63.8039% | 5,280 |
| Assets per employee ($millions) | 4.8124% | 2,438 |
| Cash dividends to net income (ytd only)* | 21.1685% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,839 |
| Loan loss allowance to noncurrent loans | 1,946.7949% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 7,227 |
| Noncurrent loans to loans | 0.0680% | 7,070 |
| Net loans and leases to total assets | 69.2175% | 2,931 |
| Net loans and leases to deposits | 86.6208% | 2,215 |
| Net loans and leases to core deposits | 115.0761% | 787 |
| Total domestic deposits to total assets | 79.9086% | 5,737 |
| Equity capital to assets | 9.3420% | 5,063 |
| Core capital (leverage) ratio | 9.2364% | 4,303 |
| Tier 1 risk-based capital ratio | 11.6613% | 5,770 |
| Total risk-based capital ratio | 12.8741% | 5,795 |
| Memoranda: | ||
| Average total assets | $309,109,500 | 2,138 |
| Average earning assets | $286,311,500 | 2,099 |
| Average equity | $29,155,000 | 2,262 |
| Average total loans | $222,993,750 | 1,974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0165% | 911 |
| Cost of funding earning assets | 2.0041% | 908 |
| Net interest margin | 4.0124% | 2,955 |
| Noninterest income to average assets | 0.1854% | 6,577 |
| Noninterest expense to average assets | 2.5196% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9207% | 2,466 |
| Return on assets (ROA) | 0.9905% | 2,313 |
| Pretax return on assets | 1.4829% | 1,604 |
| Return on Equity (ROE) | 10.4661% | 1,940 |
| Retained earnings to average equity (ytd only) | 6.9797% | 1,841 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6352% | 5,222 |
| Assets per employee ($millions) | 4.7230% | 2,547 |
| Cash dividends to net income (ytd only)* | 33.3111% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,800 |
| Loan loss allowance to noncurrent loans | 2,573.5043% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 7,309 |
| Noncurrent loans to loans | 0.0514% | 7,188 |
| Net loans and leases to total assets | 69.9735% | 2,904 |
| Net loans and leases to deposits | 88.2706% | 2,130 |
| Net loans and leases to core deposits | 120.5996% | 677 |
| Total domestic deposits to total assets | 79.2716% | 5,947 |
| Equity capital to assets | 9.1502% | 5,216 |
| Core capital (leverage) ratio | 9.3337% | 4,061 |
| Tier 1 risk-based capital ratio | 11.5225% | 5,751 |
| Total risk-based capital ratio | 12.7461% | 5,742 |
| Memoranda: | ||
| Average total assets | $303,064,670 | 2,183 |
| Average earning assets | $280,429,330 | 2,157 |
| Average equity | $28,683,000 | 2,288 |
| Average total loans | $220,809,330 | 2,016 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 878 |
| Cost of funding earning assets | 2.0385% | 979 |
| Net interest margin | 4.0151% | 2,811 |
| Noninterest income to average assets | 0.1646% | 6,792 |
| Noninterest expense to average assets | 2.5754% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8659% | 2,688 |
| Return on assets (ROA) | 0.9142% | 2,562 |
| Pretax return on assets | 1.3673% | 1,861 |
| Return on Equity (ROE) | 9.4878% | 2,296 |
| Retained earnings to average equity (ytd only) | 6.6641% | 2,294 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5378% | 4,998 |
| Assets per employee ($millions) | 4.6424% | 2,725 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,622 |
| Loan loss allowance to noncurrent loans | 2,488.4298% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 7,392 |
| Noncurrent loans to loans | 0.0547% | 7,266 |
| Net loans and leases to total assets | 72.3208% | 2,381 |
| Net loans and leases to deposits | 92.1685% | 1,590 |
| Net loans and leases to core deposits | 129.6228% | 504 |
| Total domestic deposits to total assets | 78.4658% | 6,210 |
| Equity capital to assets | 9.4447% | 4,622 |
| Core capital (leverage) ratio | 9.7122% | 3,501 |
| Tier 1 risk-based capital ratio | 11.6867% | 5,503 |
| Total risk-based capital ratio | 12.9356% | 5,457 |
| Memoranda: | ||
| Average total assets | $294,015,500 | 2,282 |
| Average earning assets | $271,373,000 | 2,275 |
| Average equity | $28,331,000 | 2,345 |
| Average total loans | $217,344,000 | 2,098 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4352% | 768 |
| Cost of funding earning assets | 2.5308% | 946 |
| Net interest margin | 3.9044% | 3,252 |
| Noninterest income to average assets | 0.2124% | 6,586 |
| Noninterest expense to average assets | 2.5867% | 5,838 |
| Loan and lease loss provision to assets | 0.1366% | 6,278 |
| Net operating income to assets | 0.7693% | 2,640 |
| Return on assets (ROA) | 0.8964% | 2,258 |
| Pretax return on assets | 1.3536% | 1,548 |
| Return on Equity (ROE) | 9.3481% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.1160% | 2,981 |
| Net charge-offs to loans | 0.0107% | 7,082 |
| Credit loss provision to net charge-offs | 1,666.6667% | 192 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 186 |
| Efficiency ratio | 66.5934% | 5,273 |
| Assets per employee ($millions) | 4.3375% | 3,213 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 4,172 |
| Loan loss allowance to noncurrent loans | 2,488.4298% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 7,400 |
| Noncurrent loans to loans | 0.0567% | 7,280 |
| Net loans and leases to total assets | 73.5075% | 2,379 |
| Net loans and leases to deposits | 94.5507% | 1,522 |
| Net loans and leases to core deposits | 115.6607% | 2,356 |
| Total domestic deposits to total assets | 77.7440% | 6,287 |
| Equity capital to assets | 9.8374% | 3,960 |
| Core capital (leverage) ratio | 9.7962% | 3,327 |
| Tier 1 risk-based capital ratio | 12.1690% | 4,801 |
| Total risk-based capital ratio | 13.4243% | 4,760 |
| Memoranda: | ||
| Average total assets | $292,843,600 | 2,261 |
| Average earning assets | $275,407,600 | 2,202 |
| Average equity | $28,080,600 | 2,363 |
| Average total loans | $224,622,600 | 2,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4825% | 778 |
| Cost of funding earning assets | 2.6301% | 957 |
| Net interest margin | 3.8524% | 3,420 |
| Noninterest income to average assets | 0.2214% | 6,642 |
| Noninterest expense to average assets | 2.6341% | 5,579 |
| Loan and lease loss provision to assets | 0.0543% | 6,831 |
| Net operating income to assets | 0.7735% | 2,921 |
| Return on assets (ROA) | 0.8847% | 2,553 |
| Pretax return on assets | 1.3388% | 1,851 |
| Return on Equity (ROE) | 9.2846% | 2,168 |
| Retained earnings to average equity (ytd only) | 2.1572% | 4,120 |
| Net charge-offs to loans | 0.0141% | 6,719 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 112.7056% | 325 |
| Efficiency ratio | 68.2623% | 4,914 |
| Assets per employee ($millions) | 4.4405% | 2,958 |
| Cash dividends to net income (ytd only)* | 76.7656% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 4,951 |
| Loan loss allowance to noncurrent loans | 2,219.5122% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 7,463 |
| Noncurrent loans to loans | 0.0554% | 7,369 |
| Net loans and leases to total assets | 77.1202% | 1,763 |
| Net loans and leases to deposits | 99.7801% | 1,125 |
| Net loans and leases to core deposits | 129.1300% | 1,493 |
| Total domestic deposits to total assets | 77.2902% | 6,268 |
| Equity capital to assets | 9.8380% | 4,305 |
| Core capital (leverage) ratio | 9.4664% | 3,954 |
| Tier 1 risk-based capital ratio | 11.5933% | 5,351 |
| Total risk-based capital ratio | 12.7701% | 5,364 |
| Memoranda: | ||
| Average total assets | $294,486,000 | 2,266 |
| Average earning assets | $278,054,000 | 2,206 |
| Average equity | $28,060,250 | 2,390 |
| Average total loans | $227,417,250 | 2,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5652% | 707 |
| Cost of funding earning assets | 2.8142% | 755 |
| Net interest margin | 3.7510% | 3,750 |
| Noninterest income to average assets | 0.2819% | 6,250 |
| Noninterest expense to average assets | 2.5390% | 5,989 |
| Loan and lease loss provision to assets | 0.0436% | 6,797 |
| Net operating income to assets | 0.8239% | 2,759 |
| Return on assets (ROA) | 0.9322% | 2,430 |
| Pretax return on assets | 1.4105% | 1,694 |
| Return on Equity (ROE) | 10.2553% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.2553% | 678 |
| Net charge-offs to loans | 0.0185% | 6,262 |
| Credit loss provision to net charge-offs | 294.1176% | 1,588 |
| Earnings coverage of net charge-offs (x) | 86.9412% | 444 |
| Efficiency ratio | 66.3096% | 5,496 |
| Assets per employee ($millions) | 4.1046% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,221 |
| Loan loss allowance to noncurrent loans | 593.2773% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 7,174 |
| Noncurrent loans to loans | 0.1950% | 7,027 |
| Net loans and leases to total assets | 78.7077% | 1,591 |
| Net loans and leases to deposits | 105.8880% | 771 |
| Net loans and leases to core deposits | 131.7756% | 1,445 |
| Total domestic deposits to total assets | 74.3311% | 6,905 |
| Equity capital to assets | 9.2918% | 4,889 |
| Core capital (leverage) ratio | 9.3075% | 4,155 |
| Tier 1 risk-based capital ratio | 10.9354% | 5,948 |
| Total risk-based capital ratio | 12.0564% | 6,013 |
| Memoranda: | ||
| Average total assets | $229,142,330 | 2,872 |
| Average earning assets | $216,688,330 | 2,787 |
| Average equity | $20,828,330 | 3,123 |
| Average total loans | $184,132,000 | 2,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5710% | 753 |
| Cost of funding earning assets | 2.8969% | 775 |
| Net interest margin | 3.6741% | 3,999 |
| Noninterest income to average assets | 0.3165% | 5,911 |
| Noninterest expense to average assets | 2.4722% | 5,945 |
| Loan and lease loss provision to assets | 0.0682% | 6,097 |
| Net operating income to assets | 0.8204% | 3,042 |
| Return on assets (ROA) | 0.9057% | 2,830 |
| Pretax return on assets | 1.3865% | 2,007 |
| Return on Equity (ROE) | 10.0761% | 2,287 |
| Retained earnings to average equity (ytd only) | 10.0761% | 1,168 |
| Net charge-offs to loans | 0.0368% | 4,998 |
| Credit loss provision to net charge-offs | 229.4118% | 1,993 |
| Earnings coverage of net charge-offs (x) | 44.5294% | 785 |
| Efficiency ratio | 65.1313% | 5,485 |
| Assets per employee ($millions) | 4.0713% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 4,980 |
| Loan loss allowance to noncurrent loans | 1,572.3881% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 7,424 |
| Noncurrent loans to loans | 0.0745% | 7,313 |
| Net loans and leases to total assets | 77.9730% | 1,830 |
| Net loans and leases to deposits | 96.8658% | 1,817 |
| Net loans and leases to core deposits | 123.9545% | 2,084 |
| Total domestic deposits to total assets | 80.4959% | 5,172 |
| Equity capital to assets | 9.1362% | 5,170 |
| Core capital (leverage) ratio | 9.0266% | 4,661 |
| Tier 1 risk-based capital ratio | 11.0655% | 5,844 |
| Total risk-based capital ratio | 12.2243% | 5,830 |
| Memoranda: | ||
| Average total assets | $228,784,500 | 2,882 |
| Average earning assets | $216,649,000 | 2,799 |
| Average equity | $20,563,500 | 3,175 |
| Average total loans | $184,681,000 | 2,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1866% | 770 |
| Cost of funding earning assets | 3.3115% | 893 |
| Net interest margin | 3.8751% | 3,680 |
| Noninterest income to average assets | 0.3416% | 6,005 |
| Noninterest expense to average assets | 2.4867% | 6,064 |
| Loan and lease loss provision to assets | 0.3338% | 3,716 |
| Net operating income to assets | 0.7666% | 3,586 |
| Return on assets (ROA) | 0.8879% | 2,891 |
| Pretax return on assets | 1.3707% | 2,054 |
| Return on Equity (ROE) | 10.4697% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.4697% | 391 |
| Net charge-offs to loans | 0.0256% | 6,483 |
| Credit loss provision to net charge-offs | 1,602.2222% | 273 |
| Earnings coverage of net charge-offs (x) | 72.8667% | 558 |
| Efficiency ratio | 62.0969% | 5,935 |
| Assets per employee ($millions) | 4.0996% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,292 |
| Loan loss allowance to noncurrent loans | 1,603.8462% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 7,348 |
| Noncurrent loans to loans | 0.0686% | 7,227 |
| Net loans and leases to total assets | 81.6274% | 1,297 |
| Net loans and leases to deposits | 100.9312% | 1,719 |
| Net loans and leases to core deposits | 131.7582% | 1,737 |
| Total domestic deposits to total assets | 80.8743% | 4,697 |
| Equity capital to assets | 8.8411% | 5,583 |
| Core capital (leverage) ratio | 8.7370% | 5,137 |
| Tier 1 risk-based capital ratio | 10.4039% | 6,309 |
| Total risk-based capital ratio | 11.5101% | 6,328 |
| Memoranda: | ||
| Average total assets | $216,027,000 | 2,927 |
| Average earning assets | $204,199,000 | 2,852 |
| Average equity | $18,319,600 | 3,504 |
| Average total loans | $175,825,800 | 2,554 |