Home > Cornhusker Bank > Performance and Condition Ratios
Cornhusker 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 | 4.4454% | 3,198 |
| Cost of funding earning assets | 1.5867% | 1,718 |
| Net interest margin | 2.8587% | 3,559 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.3076% | 2,832 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7611% | 3,008 |
| Return on assets (ROA) | 0.7403% | 3,058 |
| Pretax return on assets | 0.7690% | 3,287 |
| Return on Equity (ROE) | 8.6700% | 2,838 |
| Retained earnings to average equity (ytd only) | 4.2722% | 2,872 |
| Net charge-offs to loans | 0.0037% | 2,619 |
| Credit loss provision to net charge-offs | 2,050.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 290.8929% | 439 |
| Efficiency ratio | 72.7227% | 1,588 |
| Assets per employee ($millions) | 7.7687% | 1,555 |
| Cash dividends to net income (ytd only)* | 50.7465% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 1,974 |
| Loan loss allowance to noncurrent loans | 12,262.9630% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,737 |
| Noncurrent loans to loans | 0.0103% | 3,688 |
| Net loans and leases to total assets | 79.0300% | 760 |
| Net loans and leases to deposits | 95.9046% | 795 |
| Net loans and leases to core deposits | 105.7274% | 1,126 |
| Total domestic deposits to total assets | 82.4000% | 3,051 |
| Equity capital to assets | 8.5532% | 3,012 |
| Core capital (leverage) ratio | 9.1914% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2712% | 2,146 |
| Memoranda: | ||
| Average total assets | $941,016,000 | 1,040 |
| Average earning assets | $890,514,000 | 1,013 |
| Average equity | $80,310,800 | 1,124 |
| Average total loans | $751,716,200 | 907 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 3,170 |
| Cost of funding earning assets | 1.4331% | 1,783 |
| Net interest margin | 2.9310% | 3,478 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.3190% | 2,731 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8423% | 2,887 |
| Return on assets (ROA) | 0.8144% | 2,967 |
| Pretax return on assets | 0.8495% | 3,215 |
| Return on Equity (ROE) | 9.5500% | 2,785 |
| Retained earnings to average equity (ytd only) | 6.6975% | 2,396 |
| Net charge-offs to loans | 0.0038% | 2,360 |
| Credit loss provision to net charge-offs | 1,233.3333% | 351 |
| Earnings coverage of net charge-offs (x) | 310.2857% | 444 |
| Efficiency ratio | 71.2762% | 1,644 |
| Assets per employee ($millions) | 7.5037% | 1,628 |
| Cash dividends to net income (ytd only)* | 29.8521% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,185 |
| Loan loss allowance to noncurrent loans | 3,659.3156% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,529 |
| Noncurrent loans to loans | 0.0338% | 3,528 |
| Net loans and leases to total assets | 80.6700% | 575 |
| Net loans and leases to deposits | 96.5998% | 709 |
| Net loans and leases to core deposits | 106.0144% | 1,018 |
| Total domestic deposits to total assets | 83.5000% | 2,907 |
| Equity capital to assets | 8.3410% | 2,834 |
| Core capital (leverage) ratio | 9.4852% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5910% | 2,048 |
| Memoranda: | ||
| Average total assets | $929,612,250 | 1,057 |
| Average earning assets | $881,046,000 | 1,022 |
| Average equity | $79,291,250 | 1,134 |
| Average total loans | $742,233,000 | 914 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 3,155 |
| Cost of funding earning assets | 1.2627% | 1,817 |
| Net interest margin | 3.0080% | 3,411 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.3128% | 2,761 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8975% | 2,759 |
| Return on assets (ROA) | 0.8553% | 2,906 |
| Pretax return on assets | 0.8939% | 3,181 |
| Return on Equity (ROE) | 9.9500% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.6724% | 2,736 |
| Net charge-offs to loans | 0.0033% | 2,205 |
| Credit loss provision to net charge-offs | 1,408.3333% | 333 |
| Earnings coverage of net charge-offs (x) | 385.2500% | 374 |
| Efficiency ratio | 69.7507% | 1,786 |
| Assets per employee ($millions) | 6.9197% | 1,992 |
| Cash dividends to net income (ytd only)* | 42.9985% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,115 |
| Loan loss allowance to noncurrent loans | 8,675.4545% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,729 |
| Noncurrent loans to loans | 0.0146% | 3,669 |
| Net loans and leases to total assets | 79.8900% | 642 |
| Net loans and leases to deposits | 95.5376% | 758 |
| Net loans and leases to core deposits | 102.7011% | 1,109 |
| Total domestic deposits to total assets | 83.6200% | 2,911 |
| Equity capital to assets | 8.5642% | 2,808 |
| Core capital (leverage) ratio | 9.4625% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5592% | 2,078 |
| Memoranda: | ||
| Average total assets | $921,825,667 | 1,056 |
| Average earning assets | $873,194,667 | 1,024 |
| Average equity | $79,226,000 | 1,128 |
| Average total loans | $730,195,667 | 910 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 3,148 |
| Cost of funding earning assets | 1.0499% | 1,882 |
| Net interest margin | 3.0962% | 3,357 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.3480% | 2,679 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9160% | 2,803 |
| Return on assets (ROA) | 0.8837% | 2,860 |
| Pretax return on assets | 0.9226% | 3,179 |
| Return on Equity (ROE) | 10.2600% | 2,706 |
| Retained earnings to average equity (ytd only) | 10.2642% | 1,635 |
| Net charge-offs to loans | 0.0056% | 1,760 |
| Credit loss provision to net charge-offs | 790.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 239.9000% | 442 |
| Efficiency ratio | 69.1407% | 1,841 |
| Assets per employee ($millions) | 7.2705% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,056 |
| Loan loss allowance to noncurrent loans | 4,459.9057% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,567 |
| Noncurrent loans to loans | 0.0290% | 3,551 |
| Net loans and leases to total assets | 77.4500% | 823 |
| Net loans and leases to deposits | 96.1926% | 637 |
| Net loans and leases to core deposits | 103.4075% | 946 |
| Total domestic deposits to total assets | 80.5200% | 3,705 |
| Equity capital to assets | 8.7262% | 2,719 |
| Core capital (leverage) ratio | 9.5559% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7202% | 2,082 |
| Memoranda: | ||
| Average total assets | $915,656,000 | 1,080 |
| Average earning assets | $867,525,000 | 1,043 |
| Average equity | $78,837,000 | 1,143 |
| Average total loans | $717,361,500 | 935 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 2,433 |
| Cost of funding earning assets | 0.4588% | 1,659 |
| Net interest margin | 3.2807% | 2,622 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.4166% | 2,372 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2383% | 1,631 |
| Return on assets (ROA) | 1.2383% | 1,585 |
| Pretax return on assets | 1.2766% | 2,178 |
| Return on Equity (ROE) | 14.9700% | 1,261 |
| Retained earnings to average equity (ytd only) | 9.2140% | 1,415 |
| Net charge-offs to loans | 0.0276% | 1,507 |
| Credit loss provision to net charge-offs | 306.0109% | 909 |
| Earnings coverage of net charge-offs (x) | 64.5847% | 1,203 |
| Efficiency ratio | 64.3286% | 2,455 |
| Assets per employee ($millions) | 7.3226% | 1,738 |
| Cash dividends to net income (ytd only)* | 38.4545% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,753 |
| Loan loss allowance to noncurrent loans | 5,866.2500% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,673 |
| Noncurrent loans to loans | 0.0227% | 3,637 |
| Net loans and leases to total assets | 77.1700% | 879 |
| Net loans and leases to deposits | 90.5677% | 1,007 |
| Net loans and leases to core deposits | 96.4382% | 1,181 |
| Total domestic deposits to total assets | 85.2100% | 2,936 |
| Equity capital to assets | 8.4897% | 2,707 |
| Core capital (leverage) ratio | 9.2902% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5692% | 2,145 |
| Memoranda: | ||
| Average total assets | $881,983,200 | 1,095 |
| Average earning assets | $836,274,400 | 1,070 |
| Average equity | $72,954,200 | 1,213 |
| Average total loans | $663,549,000 | 950 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 2,378 |
| Cost of funding earning assets | 0.3540% | 1,672 |
| Net interest margin | 3.2348% | 2,516 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.3851% | 2,384 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1616% | 1,850 |
| Return on assets (ROA) | 1.1616% | 1,824 |
| Pretax return on assets | 1.1997% | 2,368 |
| Return on Equity (ROE) | 14.1400% | 1,395 |
| Retained earnings to average equity (ytd only) | 8.5888% | 1,794 |
| Net charge-offs to loans | 0.0594% | 889 |
| Credit loss provision to net charge-offs | 109.9656% | 1,272 |
| Earnings coverage of net charge-offs (x) | 28.2268% | 1,548 |
| Efficiency ratio | 65.6433% | 2,328 |
| Assets per employee ($millions) | 7.5157% | 1,607 |
| Cash dividends to net income (ytd only)* | 39.2516% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,094 |
| Loan loss allowance to noncurrent loans | 17,721.5686% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,955 |
| Noncurrent loans to loans | 0.0073% | 3,900 |
| Net loans and leases to total assets | 76.1900% | 892 |
| Net loans and leases to deposits | 90.4373% | 863 |
| Net loans and leases to core deposits | 96.0079% | 999 |
| Total domestic deposits to total assets | 84.2500% | 3,444 |
| Equity capital to assets | 7.6478% | 3,126 |
| Core capital (leverage) ratio | 9.2328% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2298% | 2,382 |
| Memoranda: | ||
| Average total assets | $877,308,250 | 1,106 |
| Average earning assets | $831,888,500 | 1,079 |
| Average equity | $72,076,500 | 1,237 |
| Average total loans | $653,320,000 | 961 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 2,203 |
| Cost of funding earning assets | 0.2813% | 1,889 |
| Net interest margin | 3.1948% | 2,203 |
| Noninterest income to average assets | 0.6005% | 1,733 |
| Noninterest expense to average assets | 2.3937% | 2,243 |
| Loan and lease loss provision to assets | 0.0415% | 1,830 |
| Net operating income to assets | 1.1590% | 1,573 |
| Return on assets (ROA) | 1.1590% | 1,553 |
| Pretax return on assets | 1.1955% | 2,091 |
| Return on Equity (ROE) | 13.7742% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.8372% | 1,339 |
| Net charge-offs to loans | 0.0606% | 800 |
| Credit loss provision to net charge-offs | 93.2642% | 1,330 |
| Earnings coverage of net charge-offs (x) | 27.7720% | 1,423 |
| Efficiency ratio | 65.9293% | 2,520 |
| Assets per employee ($millions) | 6.3641% | 2,424 |
| Cash dividends to net income (ytd only)* | 35.8423% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,889 |
| Loan loss allowance to noncurrent loans | 64,257.1429% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,066 |
| Noncurrent loans to loans | 0.0021% | 4,000 |
| Net loans and leases to total assets | 73.8118% | 935 |
| Net loans and leases to deposits | 85.4810% | 1,013 |
| Net loans and leases to core deposits | 90.7145% | 1,078 |
| Total domestic deposits to total assets | 86.3488% | 3,158 |
| Equity capital to assets | 8.3959% | 2,840 |
| Core capital (leverage) ratio | 9.3582% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7073% | 2,202 |
| Memoranda: | ||
| Average total assets | $866,610,000 | 1,118 |
| Average earning assets | $821,962,333 | 1,089 |
| Average equity | $72,919,000 | 1,259 |
| Average total loans | $637,118,000 | 975 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 2,078 |
| Cost of funding earning assets | 0.2625% | 2,013 |
| Net interest margin | 3.1413% | 2,054 |
| Noninterest income to average assets | 0.6264% | 1,580 |
| Noninterest expense to average assets | 2.4155% | 2,109 |
| Loan and lease loss provision to assets | 0.0418% | 1,603 |
| Net operating income to assets | 1.1190% | 1,478 |
| Return on assets (ROA) | 1.1190% | 1,468 |
| Pretax return on assets | 1.1557% | 1,964 |
| Return on Equity (ROE) | 13.2837% | 982 |
| Retained earnings to average equity (ytd only) | 8.8705% | 1,306 |
| Net charge-offs to loans | 0.1250% | 446 |
| Credit loss provision to net charge-offs | 45.9184% | 1,210 |
| Earnings coverage of net charge-offs (x) | 13.1480% | 1,399 |
| Efficiency ratio | 66.8553% | 2,657 |
| Assets per employee ($millions) | 5.9722% | 2,832 |
| Cash dividends to net income (ytd only)* | 33.2226% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,795 |
| Loan loss allowance to noncurrent loans | 5,529.8137% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,869 |
| Noncurrent loans to loans | 0.0259% | 3,811 |
| Net loans and leases to total assets | 71.8484% | 851 |
| Net loans and leases to deposits | 83.4730% | 923 |
| Net loans and leases to core deposits | 87.8470% | 1,027 |
| Total domestic deposits to total assets | 86.0738% | 3,233 |
| Equity capital to assets | 8.6888% | 2,985 |
| Core capital (leverage) ratio | 9.2729% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0106% | 2,197 |
| Memoranda: | ||
| Average total assets | $860,789,000 | 1,128 |
| Average earning assets | $818,383,500 | 1,097 |
| Average equity | $72,510,000 | 1,295 |
| Average total loans | $627,052,000 | 980 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 2,216 |
| Cost of funding earning assets | 0.3359% | 2,062 |
| Net interest margin | 3.3259% | 2,246 |
| Noninterest income to average assets | 0.9476% | 1,095 |
| Noninterest expense to average assets | 2.6415% | 1,773 |
| Loan and lease loss provision to assets | 0.0607% | 1,846 |
| Net operating income to assets | 1.3504% | 1,437 |
| Return on assets (ROA) | 1.5670% | 911 |
| Pretax return on assets | 1.6067% | 1,407 |
| Return on Equity (ROE) | 19.1820% | 362 |
| Retained earnings to average equity (ytd only) | 13.7756% | 324 |
| Net charge-offs to loans | 0.0040% | 2,462 |
| Credit loss provision to net charge-offs | 2,152.1739% | 295 |
| Earnings coverage of net charge-offs (x) | 514.2174% | 270 |
| Efficiency ratio | 64.5463% | 2,471 |
| Assets per employee ($millions) | 6.1096% | 2,654 |
| Cash dividends to net income (ytd only)* | 28.1845% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,816 |
| Loan loss allowance to noncurrent loans | 961.4728% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 3,171 |
| Noncurrent loans to loans | 0.1484% | 3,194 |
| Net loans and leases to total assets | 71.7638% | 857 |
| Net loans and leases to deposits | 86.6334% | 738 |
| Net loans and leases to core deposits | 91.2573% | 914 |
| Total domestic deposits to total assets | 82.8361% | 3,840 |
| Equity capital to assets | 8.1627% | 4,264 |
| Core capital (leverage) ratio | 8.1203% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1531% | 2,852 |
| Memoranda: | ||
| Average total assets | $815,141,200 | 1,143 |
| Average earning assets | $770,769,000 | 1,127 |
| Average equity | $66,588,600 | 1,402 |
| Average total loans | $577,183,200 | 1,050 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 2,268 |
| Cost of funding earning assets | 0.3544% | 2,075 |
| Net interest margin | 3.3494% | 2,292 |
| Noninterest income to average assets | 0.8224% | 1,463 |
| Noninterest expense to average assets | 2.6949% | 1,604 |
| Loan and lease loss provision to assets | 0.0150% | 2,697 |
| Net operating income to assets | 1.2356% | 2,038 |
| Return on assets (ROA) | 1.5041% | 1,313 |
| Pretax return on assets | 1.5435% | 1,868 |
| Return on Equity (ROE) | 18.4089% | 579 |
| Retained earnings to average equity (ytd only) | 12.9156% | 655 |
| Net charge-offs to loans | 0.0050% | 2,152 |
| Credit loss provision to net charge-offs | 428.5714% | 829 |
| Earnings coverage of net charge-offs (x) | 369.5238% | 381 |
| Efficiency ratio | 67.6275% | 1,882 |
| Assets per employee ($millions) | 5.9394% | 2,749 |
| Cash dividends to net income (ytd only)* | 29.8408% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,747 |
| Loan loss allowance to noncurrent loans | 783.7887% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 3,232 |
| Noncurrent loans to loans | 0.1876% | 3,196 |
| Net loans and leases to total assets | 69.3688% | 1,150 |
| Net loans and leases to deposits | 81.6155% | 1,148 |
| Net loans and leases to core deposits | 86.6300% | 1,246 |
| Total domestic deposits to total assets | 84.9947% | 3,114 |
| Equity capital to assets | 8.2711% | 4,369 |
| Core capital (leverage) ratio | 8.0592% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5893% | 2,831 |
| Memoranda: | ||
| Average total assets | $802,036,750 | 1,167 |
| Average earning assets | $757,298,250 | 1,151 |
| Average equity | $65,531,750 | 1,435 |
| Average total loans | $563,578,500 | 1,089 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 2,282 |
| Cost of funding earning assets | 0.3775% | 2,069 |
| Net interest margin | 3.3418% | 2,324 |
| Noninterest income to average assets | 0.8447% | 1,405 |
| Noninterest expense to average assets | 2.7626% | 1,434 |
| Loan and lease loss provision to assets | 0.0151% | 2,647 |
| Net operating income to assets | 1.1767% | 2,270 |
| Return on assets (ROA) | 1.4711% | 1,432 |
| Pretax return on assets | 1.5105% | 1,986 |
| Return on Equity (ROE) | 18.0820% | 641 |
| Retained earnings to average equity (ytd only) | 12.4964% | 811 |
| Net charge-offs to loans | 0.0058% | 1,940 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 304.8125% | 367 |
| Efficiency ratio | 69.1719% | 1,740 |
| Assets per employee ($millions) | 5.9965% | 2,615 |
| Cash dividends to net income (ytd only)* | 30.8907% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,538 |
| Loan loss allowance to noncurrent loans | 880.1026% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 3,228 |
| Noncurrent loans to loans | 0.1723% | 3,355 |
| Net loans and leases to total assets | 67.3638% | 1,531 |
| Net loans and leases to deposits | 78.6028% | 1,568 |
| Net loans and leases to core deposits | 85.7226% | 1,438 |
| Total domestic deposits to total assets | 85.7016% | 2,839 |
| Equity capital to assets | 8.0185% | 4,521 |
| Core capital (leverage) ratio | 7.9217% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7288% | 2,799 |
| Memoranda: | ||
| Average total assets | $792,211,667 | 1,169 |
| Average earning assets | $746,540,333 | 1,157 |
| Average equity | $64,450,667 | 1,440 |
| Average total loans | $556,299,333 | 1,100 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 2,121 |
| Cost of funding earning assets | 0.4050% | 2,056 |
| Net interest margin | 3.3881% | 2,142 |
| Noninterest income to average assets | 0.8779% | 1,384 |
| Noninterest expense to average assets | 2.7324% | 1,540 |
| Loan and lease loss provision to assets | 0.0155% | 2,575 |
| Net operating income to assets | 1.2750% | 1,903 |
| Return on assets (ROA) | 1.2750% | 1,981 |
| Pretax return on assets | 1.3138% | 2,527 |
| Return on Equity (ROE) | 15.5530% | 1,101 |
| Retained earnings to average equity (ytd only) | 9.8836% | 1,684 |
| Net charge-offs to loans | 0.0152% | 1,440 |
| Credit loss provision to net charge-offs | 142.8571% | 998 |
| Earnings coverage of net charge-offs (x) | 122.5714% | 542 |
| Efficiency ratio | 67.2727% | 2,035 |
| Assets per employee ($millions) | 5.7561% | 2,842 |
| Cash dividends to net income (ytd only)* | 36.4520% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,491 |
| Loan loss allowance to noncurrent loans | 946.4009% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,595 |
| Noncurrent loans to loans | 0.1620% | 3,525 |
| Net loans and leases to total assets | 69.5887% | 1,346 |
| Net loans and leases to deposits | 81.5650% | 1,369 |
| Net loans and leases to core deposits | 85.8253% | 1,536 |
| Total domestic deposits to total assets | 85.3169% | 2,992 |
| Equity capital to assets | 8.1012% | 4,432 |
| Core capital (leverage) ratio | 8.0131% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6830% | 2,770 |
| Memoranda: | ||
| Average total assets | $774,562,000 | 1,177 |
| Average earning assets | $727,837,500 | 1,173 |
| Average equity | $63,499,000 | 1,446 |
| Average total loans | $551,437,000 | 1,108 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,251 |
| Cost of funding earning assets | 0.6372% | 2,074 |
| Net interest margin | 3.5246% | 2,396 |
| Noninterest income to average assets | 0.9710% | 1,104 |
| Noninterest expense to average assets | 3.0263% | 1,383 |
| Loan and lease loss provision to assets | 0.1698% | 2,261 |
| Net operating income to assets | 1.0259% | 2,195 |
| Return on assets (ROA) | 1.0259% | 2,336 |
| Pretax return on assets | 1.0654% | 2,827 |
| Return on Equity (ROE) | 11.8852% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.3828% | 1,638 |
| Net charge-offs to loans | -0.0111% | 4,280 |
| Credit loss provision to net charge-offs | -2,065.5172% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0137% | 1,807 |
| Assets per employee ($millions) | 5.5112% | 2,833 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 1,384 |
| Loan loss allowance to noncurrent loans | 457.9936% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,062 |
| Noncurrent loans to loans | 0.3417% | 2,983 |
| Net loans and leases to total assets | 70.6111% | 1,482 |
| Net loans and leases to deposits | 83.3186% | 1,510 |
| Net loans and leases to core deposits | 87.2633% | 1,769 |
| Total domestic deposits to total assets | 84.7483% | 2,855 |
| Equity capital to assets | 8.2985% | 4,576 |
| Core capital (leverage) ratio | 8.0391% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6725% | 2,748 |
| Memoranda: | ||
| Average total assets | $705,342,800 | 1,174 |
| Average earning assets | $658,515,200 | 1,166 |
| Average equity | $60,882,600 | 1,428 |
| Average total loans | $524,307,800 | 1,095 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,462 |
| Cost of funding earning assets | 0.6867% | 2,109 |
| Net interest margin | 3.4852% | 2,637 |
| Noninterest income to average assets | 1.0334% | 974 |
| Noninterest expense to average assets | 3.0009% | 1,442 |
| Loan and lease loss provision to assets | 0.0480% | 3,758 |
| Net operating income to assets | 1.1981% | 1,638 |
| Return on assets (ROA) | 1.1981% | 1,769 |
| Pretax return on assets | 1.2370% | 2,270 |
| Return on Equity (ROE) | 13.7342% | 933 |
| Retained earnings to average equity (ytd only) | 8.3192% | 1,202 |
| Net charge-offs to loans | 0.0244% | 2,350 |
| Credit loss provision to net charge-offs | 262.1053% | 1,885 |
| Earnings coverage of net charge-offs (x) | 70.1579% | 995 |
| Efficiency ratio | 70.0180% | 1,886 |
| Assets per employee ($millions) | 5.2423% | 2,961 |
| Cash dividends to net income (ytd only)* | 39.4271% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 1,960 |
| Loan loss allowance to noncurrent loans | 479.9871% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,372 |
| Noncurrent loans to loans | 0.2810% | 3,282 |
| Net loans and leases to total assets | 75.1776% | 1,212 |
| Net loans and leases to deposits | 90.0605% | 1,258 |
| Net loans and leases to core deposits | 94.4943% | 1,593 |
| Total domestic deposits to total assets | 83.4745% | 3,003 |
| Equity capital to assets | 8.7093% | 4,320 |
| Core capital (leverage) ratio | 8.3496% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8407% | 2,671 |
| Memoranda: | ||
| Average total assets | $691,542,250 | 1,171 |
| Average earning assets | $645,384,750 | 1,164 |
| Average equity | $60,324,750 | 1,430 |
| Average total loans | $518,993,250 | 1,097 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 2,541 |
| Cost of funding earning assets | 0.7477% | 2,136 |
| Net interest margin | 3.5238% | 2,714 |
| Noninterest income to average assets | 0.9091% | 1,144 |
| Noninterest expense to average assets | 2.9875% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1688% | 1,730 |
| Return on assets (ROA) | 1.1702% | 1,858 |
| Pretax return on assets | 1.2081% | 2,339 |
| Return on Equity (ROE) | 13.4071% | 1,000 |
| Retained earnings to average equity (ytd only) | 8.1910% | 1,248 |
| Net charge-offs to loans | 0.0405% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 39.8835% | 1,252 |
| Efficiency ratio | 71.2305% | 1,795 |
| Assets per employee ($millions) | 5.6539% | 2,487 |
| Cash dividends to net income (ytd only)* | 38.9056% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,852 |
| Loan loss allowance to noncurrent loans | 407.6093% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,387 |
| Noncurrent loans to loans | 0.3276% | 3,216 |
| Net loans and leases to total assets | 70.5241% | 1,947 |
| Net loans and leases to deposits | 83.5261% | 2,041 |
| Net loans and leases to core deposits | 87.5408% | 2,296 |
| Total domestic deposits to total assets | 84.4336% | 2,587 |
| Equity capital to assets | 8.1845% | 4,642 |
| Core capital (leverage) ratio | 8.2599% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8362% | 2,678 |
| Memoranda: | ||
| Average total assets | $680,911,333 | 1,175 |
| Average earning assets | $634,775,000 | 1,164 |
| Average equity | $59,431,000 | 1,433 |
| Average total loans | $508,225,667 | 1,101 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,232 |
| Cost of funding earning assets | 0.8950% | 1,899 |
| Net interest margin | 3.6320% | 2,563 |
| Noninterest income to average assets | 0.8386% | 1,199 |
| Noninterest expense to average assets | 3.1721% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9943% | 2,189 |
| Return on assets (ROA) | 0.9972% | 2,287 |
| Pretax return on assets | 1.0375% | 2,709 |
| Return on Equity (ROE) | 11.0255% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.3723% | 2,128 |
| Net charge-offs to loans | 0.0600% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.5541% | 1,353 |
| Efficiency ratio | 75.4089% | 1,631 |
| Assets per employee ($millions) | 4.5497% | 3,196 |
| Cash dividends to net income (ytd only)* | 51.2741% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,449 |
| Loan loss allowance to noncurrent loans | 424.9410% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,385 |
| Noncurrent loans to loans | 0.3459% | 3,248 |
| Net loans and leases to total assets | 76.4034% | 1,230 |
| Net loans and leases to deposits | 91.8946% | 1,294 |
| Net loans and leases to core deposits | 97.9958% | 1,624 |
| Total domestic deposits to total assets | 83.1424% | 3,064 |
| Equity capital to assets | 9.2860% | 4,407 |
| Core capital (leverage) ratio | 9.1276% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7500% | 2,829 |
| Memoranda: | ||
| Average total assets | $645,380,500 | 1,194 |
| Average earning assets | $598,455,500 | 1,190 |
| Average equity | $58,374,000 | 1,449 |
| Average total loans | $493,588,500 | 1,105 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 2,382 |
| Cost of funding earning assets | 0.9986% | 1,728 |
| Net interest margin | 3.6819% | 2,862 |
| Noninterest income to average assets | 0.8455% | 1,316 |
| Noninterest expense to average assets | 3.0681% | 1,836 |
| Loan and lease loss provision to assets | 0.1872% | 1,099 |
| Net operating income to assets | 0.9766% | 2,922 |
| Return on assets (ROA) | 0.9766% | 3,003 |
| Pretax return on assets | 1.0156% | 3,428 |
| Return on Equity (ROE) | 10.9424% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.9320% | 1,900 |
| Net charge-offs to loans | 0.0532% | 2,346 |
| Credit loss provision to net charge-offs | 449.0421% | 647 |
| Earnings coverage of net charge-offs (x) | 28.8544% | 1,617 |
| Efficiency ratio | 71.8373% | 1,894 |
| Assets per employee ($millions) | 4.8409% | 2,786 |
| Cash dividends to net income (ytd only)* | 45.7890% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,323 |
| Loan loss allowance to noncurrent loans | 503.8754% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 3,580 |
| Noncurrent loans to loans | 0.2909% | 3,388 |
| Net loans and leases to total assets | 74.3534% | 1,695 |
| Net loans and leases to deposits | 87.6451% | 1,890 |
| Net loans and leases to core deposits | 91.5914% | 2,267 |
| Total domestic deposits to total assets | 84.8347% | 2,559 |
| Equity capital to assets | 8.8133% | 4,781 |
| Core capital (leverage) ratio | 8.9625% | 4,557 |
| Tier 1 risk-based capital ratio | 11.2859% | 4,741 |
| Total risk-based capital ratio | 12.5383% | 4,628 |
| Memoranda: | ||
| Average total assets | $626,129,000 | 1,187 |
| Average earning assets | $582,495,600 | 1,188 |
| Average equity | $55,883,400 | 1,445 |
| Average total loans | $490,528,800 | 1,095 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 2,351 |
| Cost of funding earning assets | 1.0137% | 1,706 |
| Net interest margin | 3.7094% | 2,883 |
| Noninterest income to average assets | 0.8489% | 1,279 |
| Noninterest expense to average assets | 3.0436% | 1,848 |
| Loan and lease loss provision to assets | 0.0971% | 1,965 |
| Net operating income to assets | 1.1258% | 2,471 |
| Return on assets (ROA) | 1.1258% | 2,559 |
| Pretax return on assets | 1.1649% | 3,089 |
| Return on Equity (ROE) | 12.5721% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.6339% | 1,567 |
| Net charge-offs to loans | 0.0624% | 1,927 |
| Credit loss provision to net charge-offs | 196.5066% | 1,332 |
| Earnings coverage of net charge-offs (x) | 25.5455% | 1,768 |
| Efficiency ratio | 70.6899% | 2,025 |
| Assets per employee ($millions) | 4.6467% | 2,977 |
| Cash dividends to net income (ytd only)* | 39.2796% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 1,911 |
| Loan loss allowance to noncurrent loans | 1,012.4424% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 4,192 |
| Noncurrent loans to loans | 0.1297% | 4,068 |
| Net loans and leases to total assets | 78.3602% | 1,085 |
| Net loans and leases to deposits | 91.9297% | 1,443 |
| Net loans and leases to core deposits | 97.7293% | 1,843 |
| Total domestic deposits to total assets | 85.2393% | 2,325 |
| Equity capital to assets | 9.1714% | 4,683 |
| Core capital (leverage) ratio | 9.1483% | 4,515 |
| Tier 1 risk-based capital ratio | 11.3317% | 4,745 |
| Total risk-based capital ratio | 12.5824% | 4,649 |
| Memoranda: | ||
| Average total assets | $618,072,000 | 1,197 |
| Average earning assets | $575,965,250 | 1,197 |
| Average equity | $55,348,500 | 1,463 |
| Average total loans | $488,963,000 | 1,101 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 2,423 |
| Cost of funding earning assets | 1.0199% | 1,599 |
| Net interest margin | 3.6612% | 3,067 |
| Noninterest income to average assets | 0.8190% | 1,288 |
| Noninterest expense to average assets | 3.0976% | 1,733 |
| Loan and lease loss provision to assets | 0.1467% | 1,257 |
| Net operating income to assets | 0.9468% | 3,104 |
| Return on assets (ROA) | 0.9468% | 3,170 |
| Pretax return on assets | 0.9862% | 3,595 |
| Return on Equity (ROE) | 10.6611% | 2,110 |
| Retained earnings to average equity (ytd only) | 5.8886% | 2,334 |
| Net charge-offs to loans | 0.0904% | 1,458 |
| Credit loss provision to net charge-offs | 205.4795% | 1,181 |
| Earnings coverage of net charge-offs (x) | 15.8676% | 1,964 |
| Efficiency ratio | 73.2198% | 1,746 |
| Assets per employee ($millions) | 4.5510% | 3,063 |
| Cash dividends to net income (ytd only)* | 44.7658% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,749 |
| Loan loss allowance to noncurrent loans | 618.0712% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,880 |
| Noncurrent loans to loans | 0.2213% | 3,747 |
| Net loans and leases to total assets | 78.6231% | 1,099 |
| Net loans and leases to deposits | 91.5577% | 1,545 |
| Net loans and leases to core deposits | 95.5983% | 2,111 |
| Total domestic deposits to total assets | 85.8727% | 2,097 |
| Equity capital to assets | 9.2829% | 4,589 |
| Core capital (leverage) ratio | 8.8911% | 4,721 |
| Tier 1 risk-based capital ratio | 11.4375% | 4,715 |
| Total risk-based capital ratio | 12.6889% | 4,607 |
| Memoranda: | ||
| Average total assets | $613,443,670 | 1,203 |
| Average earning assets | $571,613,330 | 1,203 |
| Average equity | $54,478,330 | 1,473 |
| Average total loans | $484,686,000 | 1,112 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 2,347 |
| Cost of funding earning assets | 0.9912% | 1,601 |
| Net interest margin | 3.6687% | 3,013 |
| Noninterest income to average assets | 0.7248% | 1,531 |
| Noninterest expense to average assets | 3.1183% | 1,692 |
| Loan and lease loss provision to assets | 0.1457% | 1,166 |
| Net operating income to assets | 0.8401% | 3,483 |
| Return on assets (ROA) | 0.8401% | 3,523 |
| Pretax return on assets | 0.8796% | 3,830 |
| Return on Equity (ROE) | 9.6749% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.1992% | 2,815 |
| Net charge-offs to loans | 0.0436% | 1,651 |
| Credit loss provision to net charge-offs | 424.5283% | 671 |
| Earnings coverage of net charge-offs (x) | 29.8679% | 1,335 |
| Efficiency ratio | 75.2540% | 1,581 |
| Assets per employee ($millions) | 4.5965% | 3,050 |
| Cash dividends to net income (ytd only)* | 46.2606% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,699.2208% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 4,513 |
| Noncurrent loans to loans | 0.0789% | 4,407 |
| Net loans and leases to total assets | 77.0005% | 1,318 |
| Net loans and leases to deposits | 87.9031% | 1,885 |
| Net loans and leases to core deposits | 91.6148% | 2,336 |
| Total domestic deposits to total assets | 87.5971% | 1,519 |
| Equity capital to assets | 8.7212% | 4,866 |
| Core capital (leverage) ratio | 8.8101% | 4,784 |
| Tier 1 risk-based capital ratio | 11.1587% | 4,905 |
| Total risk-based capital ratio | 12.4098% | 4,814 |
| Memoranda: | ||
| Average total assets | $617,523,500 | 1,199 |
| Average earning assets | $575,458,000 | 1,195 |
| Average equity | $53,623,500 | 1,481 |
| Average total loans | $485,782,000 | 1,108 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,758 |
| Cost of funding earning assets | 0.7856% | 1,606 |
| Net interest margin | 3.6145% | 3,328 |
| Noninterest income to average assets | 0.7919% | 1,479 |
| Noninterest expense to average assets | 3.0296% | 1,986 |
| Loan and lease loss provision to assets | 0.0401% | 3,386 |
| Net operating income to assets | 1.0326% | 2,875 |
| Return on assets (ROA) | 1.0333% | 2,854 |
| Pretax return on assets | 1.0738% | 3,362 |
| Return on Equity (ROE) | 12.4419% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.5259% | 371 |
| Net charge-offs to loans | 0.0764% | 2,033 |
| Credit loss provision to net charge-offs | 66.7606% | 3,029 |
| Earnings coverage of net charge-offs (x) | 18.5493% | 2,124 |
| Efficiency ratio | 73.1290% | 1,743 |
| Assets per employee ($millions) | 4.4520% | 3,239 |
| Cash dividends to net income (ytd only)* | 7.3626% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 1,961 |
| Loan loss allowance to noncurrent loans | 610.1533% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,956 |
| Noncurrent loans to loans | 0.2158% | 3,807 |
| Net loans and leases to total assets | 78.2563% | 1,234 |
| Net loans and leases to deposits | 89.9517% | 1,808 |
| Net loans and leases to core deposits | 93.5172% | 2,271 |
| Total domestic deposits to total assets | 86.9982% | 1,788 |
| Equity capital to assets | 8.6451% | 4,848 |
| Core capital (leverage) ratio | 8.8643% | 4,758 |
| Tier 1 risk-based capital ratio | 11.0595% | 4,947 |
| Total risk-based capital ratio | 12.3104% | 4,840 |
| Memoranda: | ||
| Average total assets | $591,523,600 | 1,221 |
| Average earning assets | $548,399,800 | 1,220 |
| Average equity | $49,124,200 | 1,537 |
| Average total loans | $464,925,600 | 1,117 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 2,804 |
| Cost of funding earning assets | 0.7398% | 1,620 |
| Net interest margin | 3.6059% | 3,345 |
| Noninterest income to average assets | 0.7912% | 1,505 |
| Noninterest expense to average assets | 3.0104% | 1,991 |
| Loan and lease loss provision to assets | 0.0538% | 2,894 |
| Net operating income to assets | 1.0300% | 2,964 |
| Return on assets (ROA) | 1.0309% | 2,970 |
| Pretax return on assets | 1.0686% | 3,507 |
| Return on Equity (ROE) | 12.5470% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.3028% | 589 |
| Net charge-offs to loans | 0.0997% | 1,499 |
| Credit loss provision to net charge-offs | 68.8953% | 2,644 |
| Earnings coverage of net charge-offs (x) | 14.3516% | 2,289 |
| Efficiency ratio | 72.8572% | 1,754 |
| Assets per employee ($millions) | 4.5138% | 3,104 |
| Cash dividends to net income (ytd only)* | 9.9163% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,881 |
| Loan loss allowance to noncurrent loans | 638.7387% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,124 |
| Noncurrent loans to loans | 0.2114% | 3,951 |
| Net loans and leases to total assets | 78.2359% | 1,308 |
| Net loans and leases to deposits | 91.8797% | 1,639 |
| Net loans and leases to core deposits | 98.5081% | 1,899 |
| Total domestic deposits to total assets | 85.1503% | 2,548 |
| Equity capital to assets | 8.4579% | 4,954 |
| Core capital (leverage) ratio | 8.7347% | 4,933 |
| Tier 1 risk-based capital ratio | 10.9969% | 5,037 |
| Total risk-based capital ratio | 12.2481% | 4,932 |
| Memoranda: | ||
| Average total assets | $586,922,250 | 1,232 |
| Average earning assets | $543,766,500 | 1,230 |
| Average equity | $48,223,000 | 1,562 |
| Average total loans | $460,237,500 | 1,128 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 2,804 |
| Cost of funding earning assets | 0.7008% | 1,618 |
| Net interest margin | 3.5883% | 3,364 |
| Noninterest income to average assets | 0.7679% | 1,581 |
| Noninterest expense to average assets | 3.0393% | 1,940 |
| Loan and lease loss provision to assets | 0.0812% | 2,287 |
| Net operating income to assets | 0.9292% | 3,324 |
| Return on assets (ROA) | 0.9292% | 3,325 |
| Pretax return on assets | 0.9672% | 3,760 |
| Return on Equity (ROE) | 11.4233% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.5286% | 1,063 |
| Net charge-offs to loans | 0.1272% | 1,162 |
| Credit loss provision to net charge-offs | 81.7241% | 2,239 |
| Earnings coverage of net charge-offs (x) | 10.5552% | 2,323 |
| Efficiency ratio | 74.3527% | 1,657 |
| Assets per employee ($millions) | 4.4481% | 3,208 |
| Cash dividends to net income (ytd only)* | 16.5868% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,792 |
| Loan loss allowance to noncurrent loans | 563.9790% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 4,030 |
| Noncurrent loans to loans | 0.2462% | 3,819 |
| Net loans and leases to total assets | 76.6837% | 1,534 |
| Net loans and leases to deposits | 88.9753% | 1,984 |
| Net loans and leases to core deposits | 94.2988% | 2,197 |
| Total domestic deposits to total assets | 86.1854% | 2,195 |
| Equity capital to assets | 8.2406% | 5,108 |
| Core capital (leverage) ratio | 8.5025% | 5,109 |
| Tier 1 risk-based capital ratio | 10.7743% | 5,159 |
| Total risk-based capital ratio | 12.0260% | 5,053 |
| Memoranda: | ||
| Average total assets | $583,955,000 | 1,238 |
| Average earning assets | $540,261,330 | 1,240 |
| Average equity | $47,499,330 | 1,585 |
| Average total loans | $456,140,330 | 1,134 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,886 |
| Cost of funding earning assets | 0.6738% | 1,576 |
| Net interest margin | 3.5256% | 3,438 |
| Noninterest income to average assets | 0.7378% | 1,667 |
| Noninterest expense to average assets | 3.0268% | 2,002 |
| Loan and lease loss provision to assets | 0.1640% | 1,091 |
| Net operating income to assets | 0.7641% | 3,855 |
| Return on assets (ROA) | 0.7641% | 3,855 |
| Pretax return on assets | 0.8029% | 4,141 |
| Return on Equity (ROE) | 9.4581% | 2,690 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,900 |
| Net charge-offs to loans | 0.0248% | 2,010 |
| Credit loss provision to net charge-offs | 846.4286% | 397 |
| Earnings coverage of net charge-offs (x) | 49.8929% | 945 |
| Efficiency ratio | 75.7886% | 1,623 |
| Assets per employee ($millions) | 4.3091% | 3,468 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,544 |
| Loan loss allowance to noncurrent loans | 195.9333% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 2,549 |
| Noncurrent loans to loans | 0.7543% | 2,317 |
| Net loans and leases to total assets | 77.3144% | 1,341 |
| Net loans and leases to deposits | 86.0886% | 2,159 |
| Net loans and leases to core deposits | 106.9680% | 1,179 |
| Total domestic deposits to total assets | 89.8080% | 737 |
| Equity capital to assets | 8.0601% | 5,247 |
| Core capital (leverage) ratio | 8.2731% | 5,277 |
| Tier 1 risk-based capital ratio | 10.3623% | 5,397 |
| Total risk-based capital ratio | 11.6148% | 5,317 |
| Memoranda: | ||
| Average total assets | $577,907,500 | 1,255 |
| Average earning assets | $533,692,000 | 1,254 |
| Average equity | $46,690,000 | 1,620 |
| Average total loans | $452,456,500 | 1,148 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 2,754 |
| Cost of funding earning assets | 0.5413% | 2,019 |
| Net interest margin | 3.6409% | 3,022 |
| Noninterest income to average assets | 0.9308% | 1,186 |
| Noninterest expense to average assets | 3.1766% | 1,661 |
| Loan and lease loss provision to assets | 0.0187% | 3,926 |
| Net operating income to assets | 1.0315% | 2,119 |
| Return on assets (ROA) | 1.0319% | 2,150 |
| Pretax return on assets | 1.0725% | 3,287 |
| Return on Equity (ROE) | 12.2651% | 1,135 |
| Retained earnings to average equity (ytd only) | 8.5325% | 609 |
| Net charge-offs to loans | 0.0097% | 3,747 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 145.4750% | 486 |
| Efficiency ratio | 74.4366% | 1,839 |
| Assets per employee ($millions) | 4.4492% | 3,273 |
| Cash dividends to net income (ytd only)* | 30.4324% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,630 |
| Loan loss allowance to noncurrent loans | 461.7794% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 3,924 |
| Noncurrent loans to loans | 0.3110% | 3,670 |
| Net loans and leases to total assets | 76.9887% | 1,434 |
| Net loans and leases to deposits | 86.7621% | 2,165 |
| Net loans and leases to core deposits | 107.9246% | 1,138 |
| Total domestic deposits to total assets | 88.7355% | 1,125 |
| Equity capital to assets | 8.0982% | 5,348 |
| Core capital (leverage) ratio | 8.2703% | 5,305 |
| Tier 1 risk-based capital ratio | 10.2940% | 5,446 |
| Total risk-based capital ratio | 11.5461% | 5,370 |
| Memoranda: | ||
| Average total assets | $533,407,800 | 1,322 |
| Average earning assets | $488,841,400 | 1,335 |
| Average equity | $44,875,400 | 1,665 |
| Average total loans | $412,909,000 | 1,202 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,862 |
| Cost of funding earning assets | 0.5114% | 2,174 |
| Net interest margin | 3.6215% | 3,064 |
| Noninterest income to average assets | 0.9609% | 1,117 |
| Noninterest expense to average assets | 3.1877% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0515% | 2,321 |
| Return on assets (ROA) | 1.0520% | 2,358 |
| Pretax return on assets | 1.0901% | 3,340 |
| Return on Equity (ROE) | 12.3764% | 1,222 |
| Retained earnings to average equity (ytd only) | 8.3961% | 1,056 |
| Net charge-offs to loans | 0.0056% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 250.9568% | 350 |
| Efficiency ratio | 74.5269% | 1,815 |
| Assets per employee ($millions) | 4.2384% | 3,581 |
| Cash dividends to net income (ytd only)* | 32.1601% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,601 |
| Loan loss allowance to noncurrent loans | 404.9905% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 3,936 |
| Noncurrent loans to loans | 0.3659% | 3,642 |
| Net loans and leases to total assets | 76.1736% | 1,564 |
| Net loans and leases to deposits | 88.5295% | 1,984 |
| Net loans and leases to core deposits | 104.5683% | 1,353 |
| Total domestic deposits to total assets | 86.0431% | 2,290 |
| Equity capital to assets | 8.2802% | 5,407 |
| Core capital (leverage) ratio | 8.5899% | 5,177 |
| Tier 1 risk-based capital ratio | 10.4454% | 5,467 |
| Total risk-based capital ratio | 11.6980% | 5,405 |
| Memoranda: | ||
| Average total assets | $522,162,000 | 1,355 |
| Average earning assets | $478,168,750 | 1,373 |
| Average equity | $44,384,500 | 1,693 |
| Average total loans | $403,190,250 | 1,233 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 2,676 |
| Cost of funding earning assets | 0.4937% | 2,220 |
| Net interest margin | 3.6552% | 2,816 |
| Noninterest income to average assets | 0.9923% | 1,032 |
| Noninterest expense to average assets | 3.2998% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9912% | 2,465 |
| Return on assets (ROA) | 0.9919% | 2,514 |
| Pretax return on assets | 1.0307% | 3,445 |
| Return on Equity (ROE) | 11.5598% | 1,440 |
| Retained earnings to average equity (ytd only) | 7.2157% | 1,487 |
| Net charge-offs to loans | -0.0046% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2121% | 1,688 |
| Assets per employee ($millions) | 3.9686% | 4,007 |
| Cash dividends to net income (ytd only)* | 37.5791% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 1,209 |
| Loan loss allowance to noncurrent loans | 403.0683% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,893 |
| Noncurrent loans to loans | 0.4025% | 3,590 |
| Net loans and leases to total assets | 75.0709% | 1,689 |
| Net loans and leases to deposits | 84.3958% | 2,422 |
| Net loans and leases to core deposits | 95.8241% | 1,996 |
| Total domestic deposits to total assets | 88.9509% | 982 |
| Equity capital to assets | 8.6899% | 5,154 |
| Core capital (leverage) ratio | 8.6377% | 5,100 |
| Tier 1 risk-based capital ratio | 11.1097% | 5,195 |
| Total risk-based capital ratio | 12.3640% | 5,086 |
| Memoranda: | ||
| Average total assets | $509,727,000 | 1,390 |
| Average earning assets | $465,422,000 | 1,413 |
| Average equity | $43,737,670 | 1,710 |
| Average total loans | $393,394,670 | 1,259 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 2,860 |
| Cost of funding earning assets | 0.4766% | 2,290 |
| Net interest margin | 3.5716% | 2,998 |
| Noninterest income to average assets | 0.8196% | 1,489 |
| Noninterest expense to average assets | 3.4091% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6270% | 4,030 |
| Return on assets (ROA) | 0.6270% | 4,080 |
| Pretax return on assets | 0.6658% | 4,541 |
| Return on Equity (ROE) | 7.3551% | 3,233 |
| Retained earnings to average equity (ytd only) | 2.4734% | 4,153 |
| Net charge-offs to loans | -0.0225% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6608% | 1,000 |
| Assets per employee ($millions) | 3.8609% | 4,245 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,330 |
| Loan loss allowance to noncurrent loans | 236.3503% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 3,118 |
| Noncurrent loans to loans | 0.6861% | 2,790 |
| Net loans and leases to total assets | 75.6288% | 1,472 |
| Net loans and leases to deposits | 84.6891% | 2,196 |
| Net loans and leases to core deposits | 98.4446% | 1,626 |
| Total domestic deposits to total assets | 89.3018% | 1,003 |
| Equity capital to assets | 8.3684% | 5,322 |
| Core capital (leverage) ratio | 8.6451% | 5,107 |
| Tier 1 risk-based capital ratio | 10.6988% | 5,460 |
| Total risk-based capital ratio | 11.9531% | 5,374 |
| Memoranda: | ||
| Average total assets | $504,645,500 | 1,409 |
| Average earning assets | $459,964,000 | 1,429 |
| Average equity | $43,017,500 | 1,737 |
| Average total loans | $391,730,500 | 1,271 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 2,961 |
| Cost of funding earning assets | 0.4398% | 2,611 |
| Net interest margin | 3.6286% | 2,967 |
| Noninterest income to average assets | 1.0450% | 1,034 |
| Noninterest expense to average assets | 3.1425% | 1,917 |
| Loan and lease loss provision to assets | 0.0828% | 2,703 |
| Net operating income to assets | 1.1550% | 1,678 |
| Return on assets (ROA) | 1.1493% | 1,788 |
| Pretax return on assets | 1.1899% | 2,718 |
| Return on Equity (ROE) | 13.2629% | 932 |
| Retained earnings to average equity (ytd only) | 7.0172% | 1,222 |
| Net charge-offs to loans | 0.0444% | 3,148 |
| Credit loss provision to net charge-offs | 245.3988% | 1,181 |
| Earnings coverage of net charge-offs (x) | 37.8957% | 1,222 |
| Efficiency ratio | 71.0815% | 2,730 |
| Assets per employee ($millions) | 3.8134% | 4,282 |
| Cash dividends to net income (ytd only)* | 47.0917% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 1,215 |
| Loan loss allowance to noncurrent loans | 583.8329% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,413 |
| Noncurrent loans to loans | 0.2854% | 4,130 |
| Net loans and leases to total assets | 77.1063% | 1,346 |
| Net loans and leases to deposits | 91.9967% | 1,456 |
| Net loans and leases to core deposits | 101.1936% | 1,518 |
| Total domestic deposits to total assets | 83.8142% | 3,495 |
| Equity capital to assets | 8.6883% | 5,113 |
| Core capital (leverage) ratio | 8.6488% | 5,120 |
| Tier 1 risk-based capital ratio | 10.6837% | 5,494 |
| Total risk-based capital ratio | 11.9380% | 5,407 |
| Memoranda: | ||
| Average total assets | $483,148,600 | 1,426 |
| Average earning assets | $449,517,000 | 1,418 |
| Average equity | $41,868,600 | 1,771 |
| Average total loans | $367,341,000 | 1,281 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,140 |
| Cost of funding earning assets | 0.4281% | 2,753 |
| Net interest margin | 3.5936% | 3,097 |
| Noninterest income to average assets | 0.8702% | 1,512 |
| Noninterest expense to average assets | 3.0425% | 2,194 |
| Loan and lease loss provision to assets | 0.0277% | 3,683 |
| Net operating income to assets | 1.1238% | 1,899 |
| Return on assets (ROA) | 1.1238% | 2,012 |
| Pretax return on assets | 1.1627% | 2,991 |
| Return on Equity (ROE) | 12.9774% | 1,066 |
| Retained earnings to average equity (ytd only) | 6.0469% | 2,164 |
| Net charge-offs to loans | 0.0070% | 3,671 |
| Credit loss provision to net charge-offs | 526.3158% | 679 |
| Earnings coverage of net charge-offs (x) | 226.0241% | 343 |
| Efficiency ratio | 71.8777% | 2,596 |
| Assets per employee ($millions) | 3.9397% | 4,063 |
| Cash dividends to net income (ytd only)* | 53.4039% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,325 |
| Loan loss allowance to noncurrent loans | 534.6974% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 4,355 |
| Noncurrent loans to loans | 0.3088% | 4,144 |
| Net loans and leases to total assets | 75.8717% | 1,540 |
| Net loans and leases to deposits | 89.8603% | 1,775 |
| Net loans and leases to core deposits | 101.8137% | 1,499 |
| Total domestic deposits to total assets | 84.4330% | 3,049 |
| Equity capital to assets | 8.6963% | 5,399 |
| Core capital (leverage) ratio | 8.5444% | 5,322 |
| Tier 1 risk-based capital ratio | 10.6986% | 5,524 |
| Total risk-based capital ratio | 11.9529% | 5,432 |
| Memoranda: | ||
| Average total assets | $480,954,250 | 1,432 |
| Average earning assets | $450,053,500 | 1,419 |
| Average equity | $41,650,750 | 1,788 |
| Average total loans | $362,742,750 | 1,296 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 3,287 |
| Cost of funding earning assets | 0.3961% | 3,084 |
| Net interest margin | 3.5898% | 3,136 |
| Noninterest income to average assets | 0.7269% | 2,021 |
| Noninterest expense to average assets | 2.9955% | 2,364 |
| Loan and lease loss provision to assets | 0.0419% | 3,311 |
| Net operating income to assets | 1.0161% | 2,317 |
| Return on assets (ROA) | 1.0161% | 2,452 |
| Pretax return on assets | 1.0555% | 3,381 |
| Return on Equity (ROE) | 11.7502% | 1,399 |
| Retained earnings to average equity (ytd only) | 3.7519% | 3,505 |
| Net charge-offs to loans | 0.0095% | 3,376 |
| Credit loss provision to net charge-offs | 588.2353% | 579 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 403 |
| Efficiency ratio | 73.1872% | 2,483 |
| Assets per employee ($millions) | 3.9350% | 4,028 |
| Cash dividends to net income (ytd only)* | 68.0693% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 1,291 |
| Loan loss allowance to noncurrent loans | 302.7992% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 3,698 |
| Noncurrent loans to loans | 0.5585% | 3,394 |
| Net loans and leases to total assets | 74.1493% | 1,812 |
| Net loans and leases to deposits | 86.1209% | 2,235 |
| Net loans and leases to core deposits | 100.2614% | 1,614 |
| Total domestic deposits to total assets | 86.0991% | 2,369 |
| Equity capital to assets | 8.5134% | 5,588 |
| Core capital (leverage) ratio | 8.5107% | 5,359 |
| Tier 1 risk-based capital ratio | 10.6425% | 5,610 |
| Total risk-based capital ratio | 11.8972% | 5,518 |
| Memoranda: | ||
| Average total assets | $477,117,670 | 1,439 |
| Average earning assets | $447,380,670 | 1,433 |
| Average equity | $41,259,000 | 1,799 |
| Average total loans | $357,019,330 | 1,311 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 3,377 |
| Cost of funding earning assets | 0.3894% | 3,197 |
| Net interest margin | 3.5673% | 3,214 |
| Noninterest income to average assets | 0.8481% | 1,452 |
| Noninterest expense to average assets | 3.0059% | 2,372 |
| Loan and lease loss provision to assets | 0.0639% | 2,678 |
| Net operating income to assets | 1.0849% | 1,967 |
| Return on assets (ROA) | 1.0849% | 2,064 |
| Pretax return on assets | 1.1249% | 2,993 |
| Return on Equity (ROE) | 12.4441% | 1,171 |
| Retained earnings to average equity (ytd only) | 4.3857% | 3,287 |
| Net charge-offs to loans | 0.0034% | 3,004 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 465.3333% | 123 |
| Efficiency ratio | 71.6606% | 2,848 |
| Assets per employee ($millions) | 3.8918% | 4,131 |
| Cash dividends to net income (ytd only)* | 64.7567% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 1,253 |
| Loan loss allowance to noncurrent loans | 319.5408% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 3,744 |
| Noncurrent loans to loans | 0.5470% | 3,543 |
| Net loans and leases to total assets | 74.7559% | 1,606 |
| Net loans and leases to deposits | 86.4530% | 2,017 |
| Net loans and leases to core deposits | 99.3562% | 1,531 |
| Total domestic deposits to total assets | 86.4700% | 2,463 |
| Equity capital to assets | 8.7810% | 5,354 |
| Core capital (leverage) ratio | 8.6764% | 5,198 |
| Tier 1 risk-based capital ratio | 10.7640% | 5,631 |
| Total risk-based capital ratio | 12.0190% | 5,528 |
| Memoranda: | ||
| Average total assets | $469,739,500 | 1,461 |
| Average earning assets | $440,674,000 | 1,449 |
| Average equity | $40,951,000 | 1,809 |
| Average total loans | $350,031,500 | 1,333 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,103 |
| Cost of funding earning assets | 0.4112% | 3,041 |
| Net interest margin | 3.6420% | 2,971 |
| Noninterest income to average assets | 1.0188% | 1,137 |
| Noninterest expense to average assets | 3.0373% | 2,425 |
| Loan and lease loss provision to assets | 0.0412% | 3,510 |
| Net operating income to assets | 1.3294% | 1,208 |
| Return on assets (ROA) | 1.3294% | 1,249 |
| Pretax return on assets | 1.3693% | 2,030 |
| Return on Equity (ROE) | 15.3543% | 634 |
| Retained earnings to average equity (ytd only) | 6.1830% | 1,712 |
| Net charge-offs to loans | 0.0385% | 3,457 |
| Credit loss provision to net charge-offs | 146.0938% | 1,820 |
| Earnings coverage of net charge-offs (x) | 49.9609% | 1,004 |
| Efficiency ratio | 68.2866% | 3,511 |
| Assets per employee ($millions) | 3.8725% | 4,171 |
| Cash dividends to net income (ytd only)* | 59.7312% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 1,109 |
| Loan loss allowance to noncurrent loans | 395.5911% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,073 |
| Noncurrent loans to loans | 0.4579% | 3,833 |
| Net loans and leases to total assets | 71.6173% | 2,123 |
| Net loans and leases to deposits | 85.1422% | 2,229 |
| Net loans and leases to core deposits | 95.3198% | 1,905 |
| Total domestic deposits to total assets | 84.1149% | 3,445 |
| Equity capital to assets | 8.6543% | 5,421 |
| Core capital (leverage) ratio | 8.6558% | 5,268 |
| Tier 1 risk-based capital ratio | 11.0384% | 5,503 |
| Total risk-based capital ratio | 12.2940% | 5,400 |
| Memoranda: | ||
| Average total assets | $453,366,400 | 1,482 |
| Average earning assets | $426,851,400 | 1,459 |
| Average equity | $39,252,800 | 1,833 |
| Average total loans | $332,843,600 | 1,345 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,126 |
| Cost of funding earning assets | 0.4123% | 3,094 |
| Net interest margin | 3.6404% | 2,994 |
| Noninterest income to average assets | 1.0445% | 1,094 |
| Noninterest expense to average assets | 2.9978% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4393% | 1,028 |
| Return on assets (ROA) | 1.4393% | 1,074 |
| Pretax return on assets | 1.4796% | 1,733 |
| Return on Equity (ROE) | 16.6217% | 517 |
| Retained earnings to average equity (ytd only) | 7.3741% | 1,509 |
| Net charge-offs to loans | 0.0371% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 54.2298% | 992 |
| Efficiency ratio | 66.9537% | 3,722 |
| Assets per employee ($millions) | 3.8713% | 4,135 |
| Cash dividends to net income (ytd only)* | 55.6357% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,186.6405% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 5,132 |
| Noncurrent loans to loans | 0.1508% | 5,034 |
| Net loans and leases to total assets | 71.9434% | 2,064 |
| Net loans and leases to deposits | 86.3003% | 2,115 |
| Net loans and leases to core deposits | 97.0004% | 1,794 |
| Total domestic deposits to total assets | 83.3640% | 3,671 |
| Equity capital to assets | 8.7715% | 5,514 |
| Core capital (leverage) ratio | 8.6771% | 5,376 |
| Tier 1 risk-based capital ratio | 11.0879% | 5,616 |
| Total risk-based capital ratio | 12.3433% | 5,502 |
| Memoranda: | ||
| Average total assets | $449,563,750 | 1,500 |
| Average earning assets | $423,934,000 | 1,473 |
| Average equity | $38,928,000 | 1,865 |
| Average total loans | $330,611,250 | 1,354 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,080 |
| Cost of funding earning assets | 0.4066% | 3,204 |
| Net interest margin | 3.6420% | 2,935 |
| Noninterest income to average assets | 1.0227% | 1,135 |
| Noninterest expense to average assets | 3.0561% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3569% | 1,176 |
| Return on assets (ROA) | 1.3569% | 1,221 |
| Pretax return on assets | 1.3978% | 1,986 |
| Return on Equity (ROE) | 15.7411% | 639 |
| Retained earnings to average equity (ytd only) | 6.3745% | 2,018 |
| Net charge-offs to loans | 0.0548% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 34.6222% | 1,239 |
| Efficiency ratio | 68.6172% | 3,570 |
| Assets per employee ($millions) | 3.7661% | 4,302 |
| Cash dividends to net income (ytd only)* | 59.5041% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 1,255 |
| Loan loss allowance to noncurrent loans | 904.4910% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 5,076 |
| Noncurrent loans to loans | 0.2051% | 4,949 |
| Net loans and leases to total assets | 71.9158% | 1,996 |
| Net loans and leases to deposits | 82.9895% | 2,437 |
| Net loans and leases to core deposits | 93.3085% | 2,023 |
| Total domestic deposits to total assets | 86.6565% | 2,342 |
| Equity capital to assets | 8.7852% | 5,443 |
| Core capital (leverage) ratio | 8.7211% | 5,299 |
| Tier 1 risk-based capital ratio | 11.3277% | 5,561 |
| Total risk-based capital ratio | 12.5840% | 5,485 |
| Memoranda: | ||
| Average total assets | $445,857,330 | 1,523 |
| Average earning assets | $420,041,670 | 1,495 |
| Average equity | $38,434,330 | 1,894 |
| Average total loans | $328,324,670 | 1,365 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 2,998 |
| Cost of funding earning assets | 0.3997% | 3,310 |
| Net interest margin | 3.6598% | 2,776 |
| Noninterest income to average assets | 0.9378% | 1,272 |
| Noninterest expense to average assets | 3.0158% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3175% | 1,218 |
| Return on assets (ROA) | 1.3175% | 1,305 |
| Pretax return on assets | 1.3587% | 2,038 |
| Return on Equity (ROE) | 15.4310% | 644 |
| Retained earnings to average equity (ytd only) | 5.9899% | 2,510 |
| Net charge-offs to loans | 0.0170% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 108.3571% | 463 |
| Efficiency ratio | 68.9394% | 3,673 |
| Assets per employee ($millions) | 3.7492% | 4,418 |
| Cash dividends to net income (ytd only)* | 61.1829% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 1,358 |
| Loan loss allowance to noncurrent loans | 528.3247% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 4,897 |
| Noncurrent loans to loans | 0.3529% | 4,534 |
| Net loans and leases to total assets | 72.7783% | 1,685 |
| Net loans and leases to deposits | 84.0311% | 2,070 |
| Net loans and leases to core deposits | 91.6068% | 1,978 |
| Total domestic deposits to total assets | 86.6087% | 2,599 |
| Equity capital to assets | 8.6947% | 5,577 |
| Core capital (leverage) ratio | 8.6361% | 5,387 |
| Tier 1 risk-based capital ratio | 11.0366% | 5,788 |
| Total risk-based capital ratio | 12.2929% | 5,711 |
| Memoranda: | ||
| Average total assets | $446,588,000 | 1,535 |
| Average earning assets | $419,363,500 | 1,506 |
| Average equity | $38,131,000 | 1,921 |
| Average total loans | $329,670,500 | 1,361 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,928 |
| Cost of funding earning assets | 0.3988% | 3,702 |
| Net interest margin | 3.8093% | 2,594 |
| Noninterest income to average assets | 1.0242% | 1,163 |
| Noninterest expense to average assets | 3.0282% | 2,760 |
| Loan and lease loss provision to assets | 0.1400% | 1,897 |
| Net operating income to assets | 1.3977% | 1,087 |
| Return on assets (ROA) | 1.3977% | 1,117 |
| Pretax return on assets | 1.4390% | 1,759 |
| Return on Equity (ROE) | 16.3178% | 580 |
| Retained earnings to average equity (ytd only) | 4.8782% | 2,696 |
| Net charge-offs to loans | -0.0330% | 5,815 |
| Credit loss provision to net charge-offs | -571.4286% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7282% | 4,302 |
| Assets per employee ($millions) | 3.8527% | 4,249 |
| Cash dividends to net income (ytd only)* | 70.1052% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 1,421 |
| Loan loss allowance to noncurrent loans | 666.5217% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 5,207 |
| Noncurrent loans to loans | 0.2777% | 4,860 |
| Net loans and leases to total assets | 72.1245% | 1,891 |
| Net loans and leases to deposits | 82.4526% | 2,414 |
| Net loans and leases to core deposits | 94.9313% | 1,821 |
| Total domestic deposits to total assets | 87.4738% | 2,050 |
| Equity capital to assets | 8.3848% | 5,840 |
| Core capital (leverage) ratio | 8.5459% | 5,504 |
| Tier 1 risk-based capital ratio | 10.7663% | 6,005 |
| Total risk-based capital ratio | 12.0577% | 5,919 |
| Memoranda: | ||
| Average total assets | $428,630,800 | 1,552 |
| Average earning assets | $403,171,000 | 1,515 |
| Average equity | $36,714,400 | 1,914 |
| Average total loans | $318,406,800 | 1,360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,976 |
| Cost of funding earning assets | 0.3965% | 3,826 |
| Net interest margin | 3.8072% | 2,596 |
| Noninterest income to average assets | 1.0358% | 1,140 |
| Noninterest expense to average assets | 3.0508% | 2,632 |
| Loan and lease loss provision to assets | 0.1418% | 1,767 |
| Net operating income to assets | 1.3926% | 1,146 |
| Return on assets (ROA) | 1.3926% | 1,189 |
| Pretax return on assets | 1.4348% | 1,870 |
| Return on Equity (ROE) | 16.1669% | 659 |
| Retained earnings to average equity (ytd only) | 4.6426% | 3,330 |
| Net charge-offs to loans | -0.0491% | 5,898 |
| Credit loss provision to net charge-offs | -387.9310% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9289% | 4,221 |
| Assets per employee ($millions) | 3.8687% | 4,148 |
| Cash dividends to net income (ytd only)* | 71.2832% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 1,593 |
| Loan loss allowance to noncurrent loans | 868.5507% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 5,551 |
| Noncurrent loans to loans | 0.2120% | 5,270 |
| Net loans and leases to total assets | 73.0680% | 1,671 |
| Net loans and leases to deposits | 85.5028% | 1,966 |
| Net loans and leases to core deposits | 96.4844% | 1,638 |
| Total domestic deposits to total assets | 85.4568% | 3,130 |
| Equity capital to assets | 8.5194% | 5,785 |
| Core capital (leverage) ratio | 8.7503% | 5,381 |
| Tier 1 risk-based capital ratio | 10.8540% | 6,064 |
| Total risk-based capital ratio | 12.1462% | 5,995 |
| Memoranda: | ||
| Average total assets | $423,096,500 | 1,581 |
| Average earning assets | $399,126,250 | 1,546 |
| Average equity | $36,444,000 | 1,937 |
| Average total loans | $315,197,000 | 1,387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 2,887 |
| Cost of funding earning assets | 0.3992% | 3,876 |
| Net interest margin | 3.8185% | 2,491 |
| Noninterest income to average assets | 1.0134% | 1,164 |
| Noninterest expense to average assets | 3.0874% | 2,547 |
| Loan and lease loss provision to assets | 0.1434% | 1,726 |
| Net operating income to assets | 1.3379% | 1,210 |
| Return on assets (ROA) | 1.3379% | 1,255 |
| Pretax return on assets | 1.3810% | 1,965 |
| Return on Equity (ROE) | 15.4738% | 714 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,718 |
| Net charge-offs to loans | -0.0751% | 6,051 |
| Credit loss provision to net charge-offs | -256.4103% | 5,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9465% | 4,208 |
| Assets per employee ($millions) | 3.6308% | 4,598 |
| Cash dividends to net income (ytd only)* | 75.0268% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 1,685 |
| Loan loss allowance to noncurrent loans | 2,668.4932% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 6,031 |
| Noncurrent loans to loans | 0.0696% | 5,815 |
| Net loans and leases to total assets | 74.5941% | 1,361 |
| Net loans and leases to deposits | 86.9696% | 1,712 |
| Net loans and leases to core deposits | 94.2444% | 1,749 |
| Total domestic deposits to total assets | 85.7703% | 3,169 |
| Equity capital to assets | 8.8651% | 5,451 |
| Core capital (leverage) ratio | 8.8741% | 5,203 |
| Tier 1 risk-based capital ratio | 11.2135% | 5,948 |
| Total risk-based capital ratio | 12.5089% | 5,873 |
| Memoranda: | ||
| Average total assets | $418,406,330 | 1,598 |
| Average earning assets | $394,287,670 | 1,553 |
| Average equity | $36,177,330 | 1,940 |
| Average total loans | $311,788,670 | 1,392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,132 |
| Cost of funding earning assets | 0.4063% | 3,887 |
| Net interest margin | 3.7346% | 2,727 |
| Noninterest income to average assets | 0.9338% | 1,296 |
| Noninterest expense to average assets | 3.0980% | 2,541 |
| Loan and lease loss provision to assets | 0.1426% | 1,708 |
| Net operating income to assets | 1.1449% | 1,648 |
| Return on assets (ROA) | 1.1449% | 1,715 |
| Pretax return on assets | 1.1896% | 2,530 |
| Return on Equity (ROE) | 13.4079% | 1,055 |
| Retained earnings to average equity (ytd only) | 1.7150% | 4,930 |
| Net charge-offs to loans | -0.1327% | 6,243 |
| Credit loss provision to net charge-offs | -145.6311% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9292% | 3,848 |
| Assets per employee ($millions) | 3.6132% | 4,690 |
| Cash dividends to net income (ytd only)* | 87.2093% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 1,988 |
| Loan loss allowance to noncurrent loans | 413.9942% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 5,158 |
| Noncurrent loans to loans | 0.4386% | 4,832 |
| Net loans and leases to total assets | 73.9251% | 1,278 |
| Net loans and leases to deposits | 86.0589% | 1,603 |
| Net loans and leases to core deposits | 92.2740% | 1,704 |
| Total domestic deposits to total assets | 85.9006% | 3,417 |
| Equity capital to assets | 8.6632% | 5,482 |
| Core capital (leverage) ratio | 8.6472% | 5,461 |
| Tier 1 risk-based capital ratio | 10.9490% | 6,171 |
| Total risk-based capital ratio | 12.2423% | 6,110 |
| Memoranda: | ||
| Average total assets | $420,652,000 | 1,595 |
| Average earning assets | $393,829,000 | 1,566 |
| Average equity | $35,919,000 | 1,942 |
| Average total loans | $310,383,000 | 1,396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 3,280 |
| Cost of funding earning assets | 0.5085% | 3,521 |
| Net interest margin | 3.7084% | 3,022 |
| Noninterest income to average assets | 1.3069% | 812 |
| Noninterest expense to average assets | 3.2600% | 2,253 |
| Loan and lease loss provision to assets | 0.1671% | 2,187 |
| Net operating income to assets | 1.3429% | 1,151 |
| Return on assets (ROA) | 1.3394% | 1,197 |
| Pretax return on assets | 1.3767% | 1,874 |
| Return on Equity (ROE) | 15.6624% | 665 |
| Retained earnings to average equity (ytd only) | 4.5316% | 2,947 |
| Net charge-offs to loans | 0.1636% | 3,177 |
| Credit loss provision to net charge-offs | 141.6838% | 1,648 |
| Earnings coverage of net charge-offs (x) | 13.1191% | 2,059 |
| Efficiency ratio | 67.8120% | 4,232 |
| Assets per employee ($millions) | 3.4063% | 5,071 |
| Cash dividends to net income (ytd only)* | 71.0669% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 2,180 |
| Loan loss allowance to noncurrent loans | 229.8602% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 4,565 |
| Noncurrent loans to loans | 0.7668% | 4,051 |
| Net loans and leases to total assets | 71.0421% | 1,834 |
| Net loans and leases to deposits | 82.4900% | 2,133 |
| Net loans and leases to core deposits | 91.3961% | 1,860 |
| Total domestic deposits to total assets | 86.1220% | 3,190 |
| Equity capital to assets | 8.4175% | 5,671 |
| Core capital (leverage) ratio | 8.6212% | 5,516 |
| Tier 1 risk-based capital ratio | 10.9161% | 6,208 |
| Total risk-based capital ratio | 12.2085% | 6,144 |
| Memoranda: | ||
| Average total assets | $412,878,800 | 1,598 |
| Average earning assets | $389,735,800 | 1,554 |
| Average equity | $35,307,600 | 1,953 |
| Average total loans | $297,743,600 | 1,410 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 3,336 |
| Cost of funding earning assets | 0.5218% | 3,549 |
| Net interest margin | 3.6920% | 3,058 |
| Noninterest income to average assets | 1.4357% | 716 |
| Noninterest expense to average assets | 3.2505% | 2,201 |
| Loan and lease loss provision to assets | 0.1465% | 2,448 |
| Net operating income to assets | 1.5066% | 886 |
| Return on assets (ROA) | 1.5066% | 930 |
| Pretax return on assets | 1.5437% | 1,486 |
| Return on Equity (ROE) | 17.5465% | 483 |
| Retained earnings to average equity (ytd only) | 6.6297% | 2,070 |
| Net charge-offs to loans | 0.1689% | 2,863 |
| Credit loss provision to net charge-offs | 120.3209% | 1,958 |
| Earnings coverage of net charge-offs (x) | 13.8851% | 1,984 |
| Efficiency ratio | 65.7905% | 4,522 |
| Assets per employee ($millions) | 3.4816% | 4,880 |
| Cash dividends to net income (ytd only)* | 62.2164% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 2,396 |
| Loan loss allowance to noncurrent loans | 246.0539% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 4,808 |
| Noncurrent loans to loans | 0.7192% | 4,414 |
| Net loans and leases to total assets | 71.6085% | 1,662 |
| Net loans and leases to deposits | 85.1447% | 1,727 |
| Net loans and leases to core deposits | 91.1741% | 1,856 |
| Total domestic deposits to total assets | 84.1022% | 4,148 |
| Equity capital to assets | 8.7312% | 5,481 |
| Core capital (leverage) ratio | 8.7248% | 5,497 |
| Tier 1 risk-based capital ratio | 11.0787% | 6,244 |
| Total risk-based capital ratio | 12.3603% | 6,194 |
| Memoranda: | ||
| Average total assets | $409,651,000 | 1,622 |
| Average earning assets | $388,906,500 | 1,563 |
| Average equity | $35,174,250 | 1,977 |
| Average total loans | $295,200,250 | 1,431 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 3,348 |
| Cost of funding earning assets | 0.5307% | 3,596 |
| Net interest margin | 3.6751% | 3,059 |
| Noninterest income to average assets | 1.4314% | 769 |
| Noninterest expense to average assets | 3.2937% | 2,089 |
| Loan and lease loss provision to assets | 0.1466% | 2,501 |
| Net operating income to assets | 1.4441% | 996 |
| Return on assets (ROA) | 1.4441% | 1,074 |
| Pretax return on assets | 1.4802% | 1,674 |
| Return on Equity (ROE) | 16.9136% | 561 |
| Retained earnings to average equity (ytd only) | 6.6109% | 2,088 |
| Net charge-offs to loans | 0.0041% | 4,833 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 554.8333% | 73 |
| Efficiency ratio | 66.9381% | 4,374 |
| Assets per employee ($millions) | 3.4989% | 4,854 |
| Cash dividends to net income (ytd only)* | 60.9137% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 2,274 |
| Loan loss allowance to noncurrent loans | 207.2878% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 4,538 |
| Noncurrent loans to loans | 0.8905% | 4,145 |
| Net loans and leases to total assets | 71.6777% | 1,628 |
| Net loans and leases to deposits | 83.7775% | 1,827 |
| Net loans and leases to core deposits | 89.9690% | 1,909 |
| Total domestic deposits to total assets | 85.5572% | 3,608 |
| Equity capital to assets | 8.5864% | 5,682 |
| Core capital (leverage) ratio | 8.6148% | 5,536 |
| Tier 1 risk-based capital ratio | 11.0381% | 6,314 |
| Total risk-based capital ratio | 12.2940% | 6,290 |
| Memoranda: | ||
| Average total assets | $409,260,000 | 1,625 |
| Average earning assets | $388,564,000 | 1,564 |
| Average equity | $34,942,330 | 1,988 |
| Average total loans | $293,772,000 | 1,435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 3,022 |
| Cost of funding earning assets | 0.5452% | 3,619 |
| Net interest margin | 3.7250% | 2,757 |
| Noninterest income to average assets | 1.6119% | 604 |
| Noninterest expense to average assets | 3.3098% | 2,063 |
| Loan and lease loss provision to assets | 0.1466% | 2,410 |
| Net operating income to assets | 1.6539% | 644 |
| Return on assets (ROA) | 1.6539% | 708 |
| Pretax return on assets | 1.6881% | 1,106 |
| Return on Equity (ROE) | 19.4268% | 328 |
| Retained earnings to average equity (ytd only) | 9.0934% | 1,354 |
| Net charge-offs to loans | 0.0302% | 3,608 |
| Credit loss provision to net charge-offs | 681.8182% | 410 |
| Earnings coverage of net charge-offs (x) | 85.3182% | 441 |
| Efficiency ratio | 64.3359% | 4,953 |
| Assets per employee ($millions) | 3.5174% | 4,947 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 2,450 |
| Loan loss allowance to noncurrent loans | 1,055.6213% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 6,142 |
| Noncurrent loans to loans | 0.1750% | 5,964 |
| Net loans and leases to total assets | 69.1023% | 1,823 |
| Net loans and leases to deposits | 81.1247% | 1,941 |
| Net loans and leases to core deposits | 86.8944% | 2,022 |
| Total domestic deposits to total assets | 85.1804% | 3,956 |
| Equity capital to assets | 8.5596% | 5,953 |
| Core capital (leverage) ratio | 8.5070% | 5,583 |
| Tier 1 risk-based capital ratio | 11.2909% | 6,276 |
| Total risk-based capital ratio | 12.5469% | 6,251 |
| Memoranda: | ||
| Average total assets | $409,206,500 | 1,638 |
| Average earning assets | $388,081,500 | 1,576 |
| Average equity | $34,838,500 | 2,024 |
| Average total loans | $291,186,500 | 1,450 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 3,456 |
| Cost of funding earning assets | 0.6323% | 4,077 |
| Net interest margin | 3.8548% | 3,003 |
| Noninterest income to average assets | 1.2826% | 944 |
| Noninterest expense to average assets | 3.1653% | 2,724 |
| Loan and lease loss provision to assets | 0.3201% | 2,132 |
| Net operating income to assets | 1.4119% | 1,079 |
| Return on assets (ROA) | 1.4119% | 1,195 |
| Pretax return on assets | 1.4558% | 1,834 |
| Return on Equity (ROE) | 16.8115% | 559 |
| Retained earnings to average equity (ytd only) | 6.9083% | 1,609 |
| Net charge-offs to loans | 0.0731% | 4,953 |
| Credit loss provision to net charge-offs | 625.6158% | 389 |
| Earnings coverage of net charge-offs (x) | 34.7094% | 902 |
| Efficiency ratio | 64.0602% | 4,874 |
| Assets per employee ($millions) | 3.6007% | 4,777 |
| Cash dividends to net income (ytd only)* | 58.9075% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,637 |
| Loan loss allowance to noncurrent loans | 668.0307% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 6,028 |
| Noncurrent loans to loans | 0.2672% | 5,811 |
| Net loans and leases to total assets | 70.6395% | 1,718 |
| Net loans and leases to deposits | 84.8518% | 1,653 |
| Net loans and leases to core deposits | 89.8433% | 1,853 |
| Total domestic deposits to total assets | 83.2505% | 4,622 |
| Equity capital to assets | 8.4672% | 6,073 |
| Core capital (leverage) ratio | 8.5940% | 5,471 |
| Tier 1 risk-based capital ratio | 11.0494% | 6,329 |
| Total risk-based capital ratio | 12.3052% | 6,295 |
| Memoranda: | ||
| Average total assets | $396,769,000 | 1,648 |
| Average earning assets | $376,567,400 | 1,585 |
| Average equity | $33,322,400 | 2,070 |
| Average total loans | $277,837,600 | 1,497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 3,557 |
| Cost of funding earning assets | 0.6469% | 4,223 |
| Net interest margin | 3.8734% | 3,015 |
| Noninterest income to average assets | 1.2199% | 1,003 |
| Noninterest expense to average assets | 3.1489% | 2,721 |
| Loan and lease loss provision to assets | 0.2587% | 2,502 |
| Net operating income to assets | 1.4617% | 1,099 |
| Return on assets (ROA) | 1.4617% | 1,222 |
| Pretax return on assets | 1.4958% | 1,891 |
| Return on Equity (ROE) | 17.4409% | 560 |
| Retained earnings to average equity (ytd only) | 7.7560% | 1,725 |
| Net charge-offs to loans | 0.1162% | 4,215 |
| Credit loss provision to net charge-offs | 320.0837% | 838 |
| Earnings coverage of net charge-offs (x) | 21.7070% | 1,390 |
| Efficiency ratio | 64.2182% | 4,776 |
| Assets per employee ($millions) | 3.5449% | 4,859 |
| Cash dividends to net income (ytd only)* | 55.5299% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 3,286 |
| Loan loss allowance to noncurrent loans | 735.1648% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 6,212 |
| Noncurrent loans to loans | 0.2261% | 6,043 |
| Net loans and leases to total assets | 69.7796% | 1,952 |
| Net loans and leases to deposits | 84.5359% | 1,798 |
| Net loans and leases to core deposits | 89.4228% | 2,056 |
| Total domestic deposits to total assets | 82.5444% | 4,813 |
| Equity capital to assets | 8.5956% | 6,174 |
| Core capital (leverage) ratio | 8.6015% | 5,618 |
| Tier 1 risk-based capital ratio | 11.0102% | 6,476 |
| Total risk-based capital ratio | 12.2637% | 6,457 |
| Memoranda: | ||
| Average total assets | $394,242,000 | 1,682 |
| Average earning assets | $374,925,250 | 1,608 |
| Average equity | $33,040,250 | 2,103 |
| Average total loans | $274,137,000 | 1,526 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 3,621 |
| Cost of funding earning assets | 0.6664% | 4,308 |
| Net interest margin | 3.8701% | 3,044 |
| Noninterest income to average assets | 1.1645% | 1,047 |
| Noninterest expense to average assets | 3.1792% | 2,656 |
| Loan and lease loss provision to assets | 0.2593% | 2,502 |
| Net operating income to assets | 1.3653% | 1,270 |
| Return on assets (ROA) | 1.3653% | 1,430 |
| Pretax return on assets | 1.3994% | 2,196 |
| Return on Equity (ROE) | 16.4331% | 705 |
| Retained earnings to average equity (ytd only) | 7.2526% | 1,982 |
| Net charge-offs to loans | 0.1848% | 3,477 |
| Credit loss provision to net charge-offs | 203.1873% | 1,408 |
| Earnings coverage of net charge-offs (x) | 12.9960% | 1,835 |
| Efficiency ratio | 65.7137% | 4,585 |
| Assets per employee ($millions) | 3.4575% | 5,078 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 3,524 |
| Loan loss allowance to noncurrent loans | 495.0673% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 5,934 |
| Noncurrent loans to loans | 0.3278% | 5,895 |
| Net loans and leases to total assets | 69.1316% | 2,081 |
| Net loans and leases to deposits | 81.0816% | 2,220 |
| Net loans and leases to core deposits | 85.5889% | 2,478 |
| Total domestic deposits to total assets | 85.2618% | 3,732 |
| Equity capital to assets | 8.5784% | 6,136 |
| Core capital (leverage) ratio | 8.3689% | 5,831 |
| Tier 1 risk-based capital ratio | 11.2005% | 6,403 |
| Total risk-based capital ratio | 12.4093% | 6,403 |
| Memoranda: | ||
| Average total assets | $393,312,670 | 1,687 |
| Average earning assets | $373,328,000 | 1,620 |
| Average equity | $32,678,000 | 2,106 |
| Average total loans | $271,606,330 | 1,543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 3,781 |
| Cost of funding earning assets | 0.6821% | 4,440 |
| Net interest margin | 3.8522% | 3,132 |
| Noninterest income to average assets | 1.1303% | 1,102 |
| Noninterest expense to average assets | 3.0912% | 2,944 |
| Loan and lease loss provision to assets | 0.2573% | 2,397 |
| Net operating income to assets | 1.3897% | 1,242 |
| Return on assets (ROA) | 1.3897% | 1,389 |
| Pretax return on assets | 1.4240% | 2,106 |
| Return on Equity (ROE) | 16.9961% | 674 |
| Retained earnings to average equity (ytd only) | 8.3561% | 1,835 |
| Net charge-offs to loans | -0.0472% | 6,509 |
| Credit loss provision to net charge-offs | -796.8750% | 5,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7706% | 4,787 |
| Assets per employee ($millions) | 3.6341% | 4,801 |
| Cash dividends to net income (ytd only)* | 50.8351% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 3,602 |
| Loan loss allowance to noncurrent loans | 314.9539% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 5,890 |
| Noncurrent loans to loans | 0.5188% | 5,630 |
| Net loans and leases to total assets | 66.9282% | 2,299 |
| Net loans and leases to deposits | 81.2745% | 2,026 |
| Net loans and leases to core deposits | 85.3558% | 2,366 |
| Total domestic deposits to total assets | 82.3483% | 5,175 |
| Equity capital to assets | 8.1886% | 6,367 |
| Core capital (leverage) ratio | 8.4595% | 5,660 |
| Tier 1 risk-based capital ratio | 11.0220% | 6,522 |
| Total risk-based capital ratio | 12.2754% | 6,509 |
| Memoranda: | ||
| Average total assets | $396,350,000 | 1,677 |
| Average earning assets | $374,749,000 | 1,617 |
| Average equity | $32,407,500 | 2,123 |
| Average total loans | $271,349,500 | 1,546 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 3,841 |
| Cost of funding earning assets | 0.8330% | 4,607 |
| Net interest margin | 3.9603% | 3,069 |
| Noninterest income to average assets | 1.1774% | 951 |
| Noninterest expense to average assets | 3.3364% | 2,400 |
| Loan and lease loss provision to assets | 0.4403% | 2,392 |
| Net operating income to assets | 1.1455% | 1,683 |
| Return on assets (ROA) | 1.1487% | 1,784 |
| Pretax return on assets | 1.1849% | 2,508 |
| Return on Equity (ROE) | 14.1029% | 904 |
| Retained earnings to average equity (ytd only) | 6.9328% | 1,533 |
| Net charge-offs to loans | 0.4282% | 3,292 |
| Credit loss provision to net charge-offs | 147.3495% | 1,934 |
| Earnings coverage of net charge-offs (x) | 5.4277% | 2,795 |
| Efficiency ratio | 67.2876% | 4,520 |
| Assets per employee ($millions) | 3.5723% | 4,839 |
| Cash dividends to net income (ytd only)* | 50.8415% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 3,850 |
| Loan loss allowance to noncurrent loans | 605.0946% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 6,352 |
| Noncurrent loans to loans | 0.2538% | 6,223 |
| Net loans and leases to total assets | 67.8337% | 2,434 |
| Net loans and leases to deposits | 82.0099% | 2,196 |
| Net loans and leases to core deposits | 86.6286% | 2,555 |
| Total domestic deposits to total assets | 82.7140% | 4,874 |
| Equity capital to assets | 8.1642% | 6,470 |
| Core capital (leverage) ratio | 8.4277% | 5,674 |
| Tier 1 risk-based capital ratio | 10.7896% | 6,563 |
| Total risk-based capital ratio | 11.9955% | 6,560 |
| Memoranda: | ||
| Average total assets | $372,432,600 | 1,751 |
| Average earning assets | $355,576,000 | 1,664 |
| Average equity | $30,334,200 | 2,169 |
| Average total loans | $259,926,000 | 1,617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 4,114 |
| Cost of funding earning assets | 0.8645% | 4,667 |
| Net interest margin | 3.9126% | 3,321 |
| Noninterest income to average assets | 0.9928% | 1,358 |
| Noninterest expense to average assets | 3.2281% | 2,732 |
| Loan and lease loss provision to assets | 0.3213% | 2,967 |
| Net operating income to assets | 1.1639% | 1,766 |
| Return on assets (ROA) | 1.1696% | 1,864 |
| Pretax return on assets | 1.2062% | 2,607 |
| Return on Equity (ROE) | 14.3687% | 964 |
| Retained earnings to average equity (ytd only) | 7.2334% | 1,847 |
| Net charge-offs to loans | 0.3012% | 3,583 |
| Credit loss provision to net charge-offs | 152.3236% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.2151% | 2,397 |
| Efficiency ratio | 67.9633% | 4,327 |
| Assets per employee ($millions) | 3.4429% | 5,137 |
| Cash dividends to net income (ytd only)* | 49.6586% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 4,165 |
| Loan loss allowance to noncurrent loans | 102.6082% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 4,620 |
| Noncurrent loans to loans | 1.4496% | 4,124 |
| Net loans and leases to total assets | 69.4300% | 2,192 |
| Net loans and leases to deposits | 82.1826% | 2,325 |
| Net loans and leases to core deposits | 86.3657% | 2,728 |
| Total domestic deposits to total assets | 84.4827% | 4,020 |
| Equity capital to assets | 8.4151% | 6,380 |
| Core capital (leverage) ratio | 8.2827% | 6,002 |
| Tier 1 risk-based capital ratio | 11.0800% | 6,496 |
| Total risk-based capital ratio | 12.2997% | 6,500 |
| Memoranda: | ||
| Average total assets | $367,303,500 | 1,772 |
| Average earning assets | $352,699,750 | 1,683 |
| Average equity | $29,897,500 | 2,204 |
| Average total loans | $257,230,250 | 1,653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 4,274 |
| Cost of funding earning assets | 0.8922% | 4,738 |
| Net interest margin | 3.8620% | 3,477 |
| Noninterest income to average assets | 0.9434% | 1,487 |
| Noninterest expense to average assets | 3.2602% | 2,704 |
| Loan and lease loss provision to assets | 0.2797% | 3,140 |
| Net operating income to assets | 1.0799% | 1,934 |
| Return on assets (ROA) | 1.0794% | 2,033 |
| Pretax return on assets | 1.1162% | 2,785 |
| Return on Equity (ROE) | 13.4167% | 1,112 |
| Retained earnings to average equity (ytd only) | 6.0879% | 2,369 |
| Net charge-offs to loans | 0.1766% | 4,109 |
| Credit loss provision to net charge-offs | 226.6667% | 1,323 |
| Earnings coverage of net charge-offs (x) | 11.3156% | 1,727 |
| Efficiency ratio | 70.0118% | 4,118 |
| Assets per employee ($millions) | 3.4163% | 5,158 |
| Cash dividends to net income (ytd only)* | 54.6240% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 4,201 |
| Loan loss allowance to noncurrent loans | 60.4633% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8007% | 3,505 |
| Noncurrent loans to loans | 2.4559% | 2,929 |
| Net loans and leases to total assets | 70.3958% | 2,135 |
| Net loans and leases to deposits | 81.9111% | 2,469 |
| Net loans and leases to core deposits | 85.8555% | 2,933 |
| Total domestic deposits to total assets | 85.9418% | 3,359 |
| Equity capital to assets | 8.3650% | 6,346 |
| Core capital (leverage) ratio | 8.2153% | 6,009 |
| Tier 1 risk-based capital ratio | 10.8502% | 6,626 |
| Total risk-based capital ratio | 12.0763% | 6,614 |
| Memoranda: | ||
| Average total assets | $364,645,670 | 1,794 |
| Average earning assets | $350,597,670 | 1,710 |
| Average equity | $29,336,670 | 2,217 |
| Average total loans | $254,810,670 | 1,685 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 4,677 |
| Cost of funding earning assets | 0.9197% | 4,779 |
| Net interest margin | 3.7443% | 3,874 |
| Noninterest income to average assets | 0.9953% | 1,342 |
| Noninterest expense to average assets | 3.2277% | 2,789 |
| Loan and lease loss provision to assets | 0.2814% | 2,897 |
| Net operating income to assets | 1.0472% | 2,010 |
| Return on assets (ROA) | 1.0472% | 2,062 |
| Pretax return on assets | 1.0847% | 2,813 |
| Return on Equity (ROE) | 13.2853% | 1,128 |
| Retained earnings to average equity (ytd only) | 5.5857% | 2,858 |
| Net charge-offs to loans | 0.2157% | 3,224 |
| Credit loss provision to net charge-offs | 188.8889% | 1,560 |
| Earnings coverage of net charge-offs (x) | 9.1704% | 1,750 |
| Efficiency ratio | 70.2618% | 4,205 |
| Assets per employee ($millions) | 3.4096% | 5,217 |
| Cash dividends to net income (ytd only)* | 57.9557% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,310 |
| Loan loss allowance to noncurrent loans | 77.0654% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3880% | 4,207 |
| Noncurrent loans to loans | 1.9168% | 3,676 |
| Net loans and leases to total assets | 67.9202% | 2,564 |
| Net loans and leases to deposits | 78.7370% | 2,935 |
| Net loans and leases to core deposits | 82.4429% | 3,391 |
| Total domestic deposits to total assets | 86.2621% | 3,352 |
| Equity capital to assets | 7.8308% | 6,652 |
| Core capital (leverage) ratio | 7.9035% | 6,359 |
| Tier 1 risk-based capital ratio | 10.5661% | 6,771 |
| Total risk-based capital ratio | 11.7906% | 6,774 |
| Memoranda: | ||
| Average total assets | $362,486,000 | 1,817 |
| Average earning assets | $348,372,000 | 1,727 |
| Average equity | $28,573,000 | 2,265 |
| Average total loans | $250,390,500 | 1,726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 3,299 |
| Cost of funding earning assets | 1.1123% | 5,071 |
| Net interest margin | 4.1523% | 2,357 |
| Noninterest income to average assets | 1.0770% | 1,290 |
| Noninterest expense to average assets | 3.3626% | 2,551 |
| Loan and lease loss provision to assets | 0.4508% | 3,424 |
| Net operating income to assets | 1.1990% | 1,417 |
| Return on assets (ROA) | 1.1990% | 1,497 |
| Pretax return on assets | 1.2384% | 2,109 |
| Return on Equity (ROE) | 14.6463% | 768 |
| Retained earnings to average equity (ytd only) | 6.4481% | 1,585 |
| Net charge-offs to loans | 0.3372% | 4,325 |
| Credit loss provision to net charge-offs | 184.8086% | 1,778 |
| Earnings coverage of net charge-offs (x) | 6.9246% | 2,239 |
| Efficiency ratio | 66.5627% | 4,854 |
| Assets per employee ($millions) | 3.3340% | 5,350 |
| Cash dividends to net income (ytd only)* | 55.9747% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 4,184 |
| Loan loss allowance to noncurrent loans | 335.4898% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 6,079 |
| Noncurrent loans to loans | 0.4382% | 6,163 |
| Net loans and leases to total assets | 68.2001% | 2,934 |
| Net loans and leases to deposits | 78.5237% | 3,427 |
| Net loans and leases to core deposits | 82.2836% | 3,868 |
| Total domestic deposits to total assets | 86.8529% | 2,906 |
| Equity capital to assets | 7.9359% | 6,548 |
| Core capital (leverage) ratio | 7.9270% | 6,294 |
| Tier 1 risk-based capital ratio | 10.6103% | 6,628 |
| Total risk-based capital ratio | 11.8270% | 6,622 |
| Memoranda: | ||
| Average total assets | $342,707,200 | 1,910 |
| Average earning assets | $328,059,400 | 1,816 |
| Average equity | $28,054,800 | 2,308 |
| Average total loans | $247,900,600 | 1,776 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 3,264 |
| Cost of funding earning assets | 1.1314% | 5,249 |
| Net interest margin | 4.1864% | 2,268 |
| Noninterest income to average assets | 1.0743% | 1,241 |
| Noninterest expense to average assets | 3.3329% | 2,472 |
| Loan and lease loss provision to assets | 0.3557% | 3,769 |
| Net operating income to assets | 1.3502% | 1,219 |
| Return on assets (ROA) | 1.3502% | 1,297 |
| Pretax return on assets | 1.3899% | 1,905 |
| Return on Equity (ROE) | 16.3620% | 665 |
| Retained earnings to average equity (ytd only) | 8.2644% | 1,324 |
| Net charge-offs to loans | 0.2407% | 4,498 |
| Credit loss provision to net charge-offs | 202.0089% | 1,764 |
| Earnings coverage of net charge-offs (x) | 9.9129% | 1,943 |
| Efficiency ratio | 65.6269% | 4,941 |
| Assets per employee ($millions) | 3.2823% | 5,508 |
| Cash dividends to net income (ytd only)* | 49.4905% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,830 |
| Loan loss allowance to noncurrent loans | 278.7129% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 6,258 |
| Noncurrent loans to loans | 0.4754% | 6,241 |
| Net loans and leases to total assets | 71.6304% | 2,333 |
| Net loans and leases to deposits | 83.8421% | 2,730 |
| Net loans and leases to core deposits | 88.1408% | 3,350 |
| Total domestic deposits to total assets | 85.4350% | 3,391 |
| Equity capital to assets | 8.2238% | 6,585 |
| Core capital (leverage) ratio | 8.0228% | 6,319 |
| Tier 1 risk-based capital ratio | 10.5481% | 6,743 |
| Total risk-based capital ratio | 11.7810% | 6,743 |
| Memoranda: | ||
| Average total assets | $339,200,500 | 1,955 |
| Average earning assets | $324,438,500 | 1,858 |
| Average equity | $27,991,000 | 2,340 |
| Average total loans | $248,145,000 | 1,793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3351% | 3,292 |
| Cost of funding earning assets | 1.1580% | 5,352 |
| Net interest margin | 4.1771% | 2,236 |
| Noninterest income to average assets | 1.0221% | 1,309 |
| Noninterest expense to average assets | 3.3312% | 2,456 |
| Loan and lease loss provision to assets | 0.2983% | 4,001 |
| Net operating income to assets | 1.3407% | 1,214 |
| Return on assets (ROA) | 1.3407% | 1,286 |
| Pretax return on assets | 1.3807% | 1,886 |
| Return on Equity (ROE) | 16.2275% | 674 |
| Retained earnings to average equity (ytd only) | 8.2835% | 1,343 |
| Net charge-offs to loans | 0.1537% | 4,714 |
| Credit loss provision to net charge-offs | 264.5503% | 1,435 |
| Earnings coverage of net charge-offs (x) | 14.8889% | 1,493 |
| Efficiency ratio | 66.4880% | 4,883 |
| Assets per employee ($millions) | 3.2495% | 5,555 |
| Cash dividends to net income (ytd only)* | 48.9542% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,894 |
| Loan loss allowance to noncurrent loans | 180.6596% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 6,066 |
| Noncurrent loans to loans | 0.7219% | 5,811 |
| Net loans and leases to total assets | 70.3426% | 2,830 |
| Net loans and leases to deposits | 84.5164% | 2,787 |
| Net loans and leases to core deposits | 88.5555% | 3,477 |
| Total domestic deposits to total assets | 83.2295% | 4,475 |
| Equity capital to assets | 8.1264% | 6,626 |
| Core capital (leverage) ratio | 8.0651% | 6,172 |
| Tier 1 risk-based capital ratio | 10.6272% | 6,587 |
| Total risk-based capital ratio | 11.8651% | 6,595 |
| Memoranda: | ||
| Average total assets | $335,197,000 | 1,988 |
| Average earning assets | $320,030,000 | 1,895 |
| Average equity | $27,693,670 | 2,357 |
| Average total loans | $245,876,000 | 1,831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 3,120 |
| Cost of funding earning assets | 1.1965% | 5,429 |
| Net interest margin | 4.1871% | 2,098 |
| Noninterest income to average assets | 0.9837% | 1,351 |
| Noninterest expense to average assets | 3.2808% | 2,593 |
| Loan and lease loss provision to assets | 0.2736% | 3,839 |
| Net operating income to assets | 1.3668% | 1,153 |
| Return on assets (ROA) | 1.3668% | 1,222 |
| Pretax return on assets | 1.4081% | 1,750 |
| Return on Equity (ROE) | 16.4010% | 670 |
| Retained earnings to average equity (ytd only) | 8.3756% | 1,566 |
| Net charge-offs to loans | -0.0229% | 7,108 |
| Credit loss provision to net charge-offs | -1,607.1429% | 6,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1112% | 5,092 |
| Assets per employee ($millions) | 3.1074% | 5,982 |
| Cash dividends to net income (ytd only)* | 48.9324% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 5,048 |
| Loan loss allowance to noncurrent loans | 160.4061% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 5,892 |
| Noncurrent loans to loans | 0.7976% | 5,722 |
| Net loans and leases to total assets | 74.0276% | 1,964 |
| Net loans and leases to deposits | 87.2371% | 2,368 |
| Net loans and leases to core deposits | 91.3728% | 3,186 |
| Total domestic deposits to total assets | 84.8580% | 3,743 |
| Equity capital to assets | 8.3912% | 6,167 |
| Core capital (leverage) ratio | 8.2689% | 5,804 |
| Tier 1 risk-based capital ratio | 10.6354% | 6,509 |
| Total risk-based capital ratio | 11.8762% | 6,504 |
| Memoranda: | ||
| Average total assets | $328,948,500 | 2,075 |
| Average earning assets | $312,575,500 | 1,996 |
| Average equity | $27,413,000 | 2,409 |
| Average total loans | $244,909,500 | 1,894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 3,971 |
| Cost of funding earning assets | 1.5572% | 5,245 |
| Net interest margin | 3.9764% | 2,962 |
| Noninterest income to average assets | 1.0420% | 1,430 |
| Noninterest expense to average assets | 3.3047% | 3,000 |
| Loan and lease loss provision to assets | 0.3670% | 4,595 |
| Net operating income to assets | 1.1146% | 1,475 |
| Return on assets (ROA) | 1.1146% | 1,509 |
| Pretax return on assets | 1.1545% | 2,080 |
| Return on Equity (ROE) | 13.5865% | 857 |
| Retained earnings to average equity (ytd only) | 6.6143% | 1,114 |
| Net charge-offs to loans | 0.1955% | 5,423 |
| Credit loss provision to net charge-offs | 265.5481% | 1,322 |
| Earnings coverage of net charge-offs (x) | 11.0089% | 1,633 |
| Efficiency ratio | 68.4733% | 4,928 |
| Assets per employee ($millions) | 3.2207% | 5,678 |
| Cash dividends to net income (ytd only)* | 51.3176% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 5,336 |
| Loan loss allowance to noncurrent loans | 138.0435% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 5,711 |
| Noncurrent loans to loans | 0.8714% | 5,558 |
| Net loans and leases to total assets | 73.0269% | 2,505 |
| Net loans and leases to deposits | 87.2652% | 2,687 |
| Net loans and leases to core deposits | 98.4723% | 4,182 |
| Total domestic deposits to total assets | 83.6839% | 4,183 |
| Equity capital to assets | 8.2757% | 6,229 |
| Core capital (leverage) ratio | 8.0123% | 6,171 |
| Tier 1 risk-based capital ratio | 10.5352% | 6,356 |
| Total risk-based capital ratio | 11.6964% | 6,421 |
| Memoranda: | ||
| Average total assets | $323,421,000 | 2,100 |
| Average earning assets | $307,789,400 | 2,022 |
| Average equity | $26,533,600 | 2,488 |
| Average total loans | $228,601,400 | 2,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 4,461 |
| Cost of funding earning assets | 1.6047% | 5,380 |
| Net interest margin | 3.8861% | 3,280 |
| Noninterest income to average assets | 1.0090% | 1,573 |
| Noninterest expense to average assets | 3.2808% | 2,993 |
| Loan and lease loss provision to assets | 0.2086% | 5,313 |
| Net operating income to assets | 1.1804% | 1,514 |
| Return on assets (ROA) | 1.1804% | 1,567 |
| Pretax return on assets | 1.2201% | 2,198 |
| Return on Equity (ROE) | 14.4199% | 851 |
| Retained earnings to average equity (ytd only) | 7.8470% | 1,178 |
| Net charge-offs to loans | 0.1860% | 4,902 |
| Credit loss provision to net charge-offs | 160.5096% | 2,953 |
| Earnings coverage of net charge-offs (x) | 10.9935% | 1,892 |
| Efficiency ratio | 69.6634% | 4,656 |
| Assets per employee ($millions) | 3.3173% | 5,347 |
| Cash dividends to net income (ytd only)* | 45.5821% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,417 |
| Loan loss allowance to noncurrent loans | 101.1087% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 5,561 |
| Noncurrent loans to loans | 0.9642% | 5,369 |
| Net loans and leases to total assets | 71.8824% | 3,066 |
| Net loans and leases to deposits | 91.3802% | 2,338 |
| Net loans and leases to core deposits | 103.2859% | 4,023 |
| Total domestic deposits to total assets | 78.6630% | 5,911 |
| Equity capital to assets | 8.0799% | 6,770 |
| Core capital (leverage) ratio | 8.0004% | 6,354 |
| Tier 1 risk-based capital ratio | 10.1124% | 6,868 |
| Total risk-based capital ratio | 11.0244% | 7,126 |
| Memoranda: | ||
| Average total assets | $322,147,250 | 2,115 |
| Average earning assets | $306,762,750 | 2,052 |
| Average equity | $26,370,250 | 2,519 |
| Average total loans | $225,045,250 | 2,093 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 4,830 |
| Cost of funding earning assets | 1.6648% | 5,449 |
| Net interest margin | 3.7978% | 3,561 |
| Noninterest income to average assets | 1.0439% | 1,450 |
| Noninterest expense to average assets | 3.3355% | 2,837 |
| Loan and lease loss provision to assets | 0.1888% | 5,148 |
| Net operating income to assets | 1.0936% | 1,793 |
| Return on assets (ROA) | 1.0936% | 1,867 |
| Pretax return on assets | 1.1326% | 2,526 |
| Return on Equity (ROE) | 13.2993% | 1,124 |
| Retained earnings to average equity (ytd only) | 7.1777% | 1,514 |
| Net charge-offs to loans | 0.1087% | 5,070 |
| Credit loss provision to net charge-offs | 252.1008% | 1,847 |
| Earnings coverage of net charge-offs (x) | 17.6471% | 1,465 |
| Efficiency ratio | 71.6255% | 4,481 |
| Assets per employee ($millions) | 3.2792% | 5,374 |
| Cash dividends to net income (ytd only)* | 46.0299% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 6,109 |
| Loan loss allowance to noncurrent loans | 75.4874% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 5,046 |
| Noncurrent loans to loans | 1.3450% | 4,522 |
| Net loans and leases to total assets | 70.2240% | 3,641 |
| Net loans and leases to deposits | 87.7050% | 3,218 |
| Net loans and leases to core deposits | 100.5129% | 4,459 |
| Total domestic deposits to total assets | 80.0684% | 5,450 |
| Equity capital to assets | 8.0659% | 6,672 |
| Core capital (leverage) ratio | 8.2200% | 5,949 |
| Tier 1 risk-based capital ratio | 10.3133% | 6,578 |
| Total risk-based capital ratio | 11.2486% | 6,860 |
| Memoranda: | ||
| Average total assets | $317,848,670 | 2,156 |
| Average earning assets | $302,384,330 | 2,097 |
| Average equity | $26,136,670 | 2,547 |
| Average total loans | $218,991,000 | 2,164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 4,388 |
| Cost of funding earning assets | 1.7450% | 5,382 |
| Net interest margin | 3.8503% | 3,246 |
| Noninterest income to average assets | 1.1112% | 1,201 |
| Noninterest expense to average assets | 3.2671% | 2,748 |
| Loan and lease loss provision to assets | 0.1918% | 4,515 |
| Net operating income to assets | 1.2647% | 1,465 |
| Return on assets (ROA) | 1.2647% | 1,566 |
| Pretax return on assets | 1.3005% | 2,286 |
| Return on Equity (ROE) | 15.2271% | 936 |
| Retained earnings to average equity (ytd only) | 9.8383% | 1,235 |
| Net charge-offs to loans | 0.1584% | 3,696 |
| Credit loss provision to net charge-offs | 178.5714% | 2,429 |
| Earnings coverage of net charge-offs (x) | 13.8929% | 1,710 |
| Efficiency ratio | 68.6459% | 4,846 |
| Assets per employee ($millions) | 3.0123% | 6,119 |
| Cash dividends to net income (ytd only)* | 35.3893% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 5,843 |
| Loan loss allowance to noncurrent loans | 74.0851% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 4,725 |
| Noncurrent loans to loans | 1.4091% | 4,198 |
| Net loans and leases to total assets | 69.3218% | 3,839 |
| Net loans and leases to deposits | 82.9319% | 4,140 |
| Net loans and leases to core deposits | 94.7263% | 5,088 |
| Total domestic deposits to total assets | 83.5888% | 3,882 |
| Equity capital to assets | 8.5005% | 6,069 |
| Core capital (leverage) ratio | 8.1803% | 6,142 |
| Tier 1 risk-based capital ratio | 11.2318% | 5,666 |
| Total risk-based capital ratio | 12.2121% | 5,846 |
| Memoranda: | ||
| Average total assets | $312,812,000 | 2,198 |
| Average earning assets | $296,393,500 | 2,145 |
| Average equity | $25,980,000 | 2,572 |
| Average total loans | $212,165,500 | 2,247 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9782% | 5,651 |
| Cost of funding earning assets | 2.4088% | 4,686 |
| Net interest margin | 3.5695% | 5,016 |
| Noninterest income to average assets | 0.9733% | 1,680 |
| Noninterest expense to average assets | 3.0627% | 3,852 |
| Loan and lease loss provision to assets | 0.1694% | 5,208 |
| Net operating income to assets | 1.0684% | 2,265 |
| Return on assets (ROA) | 1.0696% | 2,172 |
| Pretax return on assets | 1.1053% | 3,008 |
| Return on Equity (ROE) | 13.5574% | 1,199 |
| Retained earnings to average equity (ytd only) | 4.6620% | 2,228 |
| Net charge-offs to loans | 0.4597% | 2,529 |
| Credit loss provision to net charge-offs | 59.1314% | 6,241 |
| Earnings coverage of net charge-offs (x) | 4.4454% | 3,984 |
| Efficiency ratio | 70.6319% | 4,220 |
| Assets per employee ($millions) | 3.1522% | 5,619 |
| Cash dividends to net income (ytd only)* | 65.6129% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,687 |
| Loan loss allowance to noncurrent loans | 85.9338% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 4,864 |
| Noncurrent loans to loans | 1.2138% | 4,091 |
| Net loans and leases to total assets | 64.9901% | 5,068 |
| Net loans and leases to deposits | 78.4005% | 5,283 |
| Net loans and leases to core deposits | 88.1405% | 5,964 |
| Total domestic deposits to total assets | 82.8951% | 3,814 |
| Equity capital to assets | 8.1170% | 6,674 |
| Core capital (leverage) ratio | 8.0957% | 6,329 |
| Tier 1 risk-based capital ratio | 11.0175% | 5,712 |
| Total risk-based capital ratio | 11.9746% | 5,887 |
| Memoranda: | ||
| Average total assets | $313,479,200 | 2,134 |
| Average earning assets | $295,337,400 | 2,073 |
| Average equity | $24,731,800 | 2,664 |
| Average total loans | $195,324,000 | 2,347 |