Home > First National Bank in New Bremen > Performance and Condition Ratios
First National Bank in New Bremen, 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 | 4.1788% | 3,664 |
| Cost of funding earning assets | 1.4954% | 1,954 |
| Net interest margin | 2.6834% | 3,845 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.4008% | 4,389 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3166% | 1,399 |
| Return on assets (ROA) | 1.2445% | 1,523 |
| Pretax return on assets | 1.2814% | 1,921 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 9.0110% | 1,252 |
| Net charge-offs to loans | 0.0638% | 1,217 |
| Credit loss provision to net charge-offs | -4.7059% | 4,415 |
| Earnings coverage of net charge-offs (x) | 67.0118% | 1,125 |
| Efficiency ratio | 50.2923% | 3,964 |
| Assets per employee ($millions) | 12.1393% | 401 |
| Cash dividends to net income (ytd only)* | 42.8516% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 565 |
| Loan loss allowance to noncurrent loans | 814.7887% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,134 |
| Noncurrent loans to loans | 0.2177% | 2,444 |
| Net loans and leases to total assets | 29.3200% | 4,310 |
| Net loans and leases to deposits | 31.9687% | 4,334 |
| Net loans and leases to core deposits | 34.7001% | 4,354 |
| Total domestic deposits to total assets | 91.7000% | 356 |
| Equity capital to assets | 7.9169% | 3,468 |
| Core capital (leverage) ratio | 9.7465% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7043% | 260 |
| Memoranda: | ||
| Average total assets | $411,421,600 | 1,978 |
| Average earning assets | $393,010,000 | 1,938 |
| Average equity | $32,471,600 | 2,165 |
| Average total loans | $133,286,000 | 2,834 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 3,725 |
| Cost of funding earning assets | 1.3334% | 2,049 |
| Net interest margin | 2.7294% | 3,840 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.4152% | 4,384 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3723% | 1,381 |
| Return on assets (ROA) | 1.2746% | 1,587 |
| Pretax return on assets | 1.3079% | 2,019 |
| Return on Equity (ROE) | 16.1600% | 1,224 |
| Retained earnings to average equity (ytd only) | 11.9680% | 975 |
| Net charge-offs to loans | -0.0080% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.9884% | 3,912 |
| Assets per employee ($millions) | 11.4853% | 437 |
| Cash dividends to net income (ytd only)* | 25.9556% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 575 |
| Loan loss allowance to noncurrent loans | 1,755.2239% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,475 |
| Noncurrent loans to loans | 0.1020% | 3,065 |
| Net loans and leases to total assets | 31.1900% | 4,293 |
| Net loans and leases to deposits | 34.0080% | 4,330 |
| Net loans and leases to core deposits | 36.2612% | 4,327 |
| Total domestic deposits to total assets | 91.7200% | 511 |
| Equity capital to assets | 7.9152% | 3,109 |
| Core capital (leverage) ratio | 10.0838% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6250% | 273 |
| Memoranda: | ||
| Average total assets | $405,023,000 | 1,996 |
| Average earning assets | $387,281,000 | 1,958 |
| Average equity | $31,940,000 | 2,170 |
| Average total loans | $133,999,500 | 2,829 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 3,881 |
| Cost of funding earning assets | 1.0866% | 2,332 |
| Net interest margin | 2.8070% | 3,810 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.4246% | 4,393 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4310% | 1,258 |
| Return on assets (ROA) | 1.2834% | 1,602 |
| Pretax return on assets | 1.3167% | 2,031 |
| Return on Equity (ROE) | 16.3000% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.0653% | 974 |
| Net charge-offs to loans | 0.0030% | 2,233 |
| Credit loss provision to net charge-offs | 950.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 1,485.0000% | 96 |
| Efficiency ratio | 49.1003% | 3,990 |
| Assets per employee ($millions) | 12.3644% | 342 |
| Cash dividends to net income (ytd only)* | 25.9589% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 619 |
| Loan loss allowance to noncurrent loans | 1,716.3121% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,439 |
| Noncurrent loans to loans | 0.1046% | 2,968 |
| Net loans and leases to total assets | 32.4300% | 4,273 |
| Net loans and leases to deposits | 35.3668% | 4,308 |
| Net loans and leases to core deposits | 36.2865% | 4,320 |
| Total domestic deposits to total assets | 91.7000% | 475 |
| Equity capital to assets | 8.0167% | 3,205 |
| Core capital (leverage) ratio | 10.0681% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6733% | 280 |
| Memoranda: | ||
| Average total assets | $402,207,667 | 2,008 |
| Average earning assets | $384,323,000 | 1,963 |
| Average equity | $31,677,667 | 2,195 |
| Average total loans | $134,890,000 | 2,822 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,002 |
| Cost of funding earning assets | 0.8469% | 2,551 |
| Net interest margin | 2.8658% | 3,840 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.4545% | 4,425 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.4596% | 1,264 |
| Return on assets (ROA) | 1.4596% | 1,238 |
| Pretax return on assets | 1.4936% | 1,685 |
| Return on Equity (ROE) | 18.7000% | 926 |
| Retained earnings to average equity (ytd only) | 14.4024% | 886 |
| Net charge-offs to loans | -0.0178% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.2537% | 4,003 |
| Assets per employee ($millions) | 11.6246% | 437 |
| Cash dividends to net income (ytd only)* | 22.9925% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 630 |
| Loan loss allowance to noncurrent loans | 1,571.2418% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,400 |
| Noncurrent loans to loans | 0.1164% | 2,936 |
| Net loans and leases to total assets | 32.6600% | 4,304 |
| Net loans and leases to deposits | 35.6488% | 4,337 |
| Net loans and leases to core deposits | 36.2868% | 4,360 |
| Total domestic deposits to total assets | 91.6100% | 620 |
| Equity capital to assets | 8.1144% | 3,162 |
| Core capital (leverage) ratio | 9.9087% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0822% | 290 |
| Memoranda: | ||
| Average total assets | $399,299,000 | 2,042 |
| Average earning assets | $380,211,000 | 1,997 |
| Average equity | $31,161,500 | 2,242 |
| Average total loans | $134,962,500 | 2,854 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7140% | 4,397 |
| Cost of funding earning assets | 0.2684% | 3,174 |
| Net interest margin | 2.4456% | 4,327 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.3848% | 4,517 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.2291% | 1,669 |
| Return on assets (ROA) | 1.2264% | 1,627 |
| Pretax return on assets | 1.2264% | 2,352 |
| Return on Equity (ROE) | 15.3600% | 1,176 |
| Retained earnings to average equity (ytd only) | 8.5692% | 1,619 |
| Net charge-offs to loans | -0.0007% | 3,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.1154% | 3,868 |
| Assets per employee ($millions) | 12.6050% | 335 |
| Cash dividends to net income (ytd only)* | 44.1946% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 495 |
| Loan loss allowance to noncurrent loans | 1,607.2289% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,390 |
| Noncurrent loans to loans | 0.1199% | 2,923 |
| Net loans and leases to total assets | 33.6600% | 4,301 |
| Net loans and leases to deposits | 36.4783% | 4,332 |
| Net loans and leases to core deposits | 36.7223% | 4,363 |
| Total domestic deposits to total assets | 92.2800% | 566 |
| Equity capital to assets | 7.5000% | 3,385 |
| Core capital (leverage) ratio | 9.5379% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0040% | 332 |
| Memoranda: | ||
| Average total assets | $398,903,200 | 2,035 |
| Average earning assets | $384,198,800 | 1,970 |
| Average equity | $31,858,200 | 2,253 |
| Average total loans | $135,369,800 | 2,775 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4596% | 4,464 |
| Cost of funding earning assets | 0.1902% | 3,393 |
| Net interest margin | 2.2694% | 4,426 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.3655% | 4,536 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.0977% | 2,110 |
| Return on assets (ROA) | 1.1014% | 2,052 |
| Pretax return on assets | 1.1014% | 2,717 |
| Return on Equity (ROE) | 13.5800% | 1,549 |
| Retained earnings to average equity (ytd only) | 9.4315% | 1,506 |
| Net charge-offs to loans | -0.0010% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.7014% | 3,648 |
| Assets per employee ($millions) | 11.5567% | 439 |
| Cash dividends to net income (ytd only)* | 30.5539% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 624 |
| Loan loss allowance to noncurrent loans | 1,486.0335% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,446 |
| Noncurrent loans to loans | 0.1264% | 3,008 |
| Net loans and leases to total assets | 35.3600% | 4,256 |
| Net loans and leases to deposits | 38.3282% | 4,296 |
| Net loans and leases to core deposits | 38.6042% | 4,328 |
| Total domestic deposits to total assets | 92.2500% | 797 |
| Equity capital to assets | 7.5531% | 3,189 |
| Core capital (leverage) ratio | 9.5271% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4162% | 368 |
| Memoranda: | ||
| Average total assets | $397,788,750 | 2,048 |
| Average earning assets | $384,826,000 | 1,984 |
| Average equity | $32,259,750 | 2,266 |
| Average total loans | $134,601,750 | 2,785 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2346% | 4,550 |
| Cost of funding earning assets | 0.1710% | 3,300 |
| Net interest margin | 2.0637% | 4,528 |
| Noninterest income to average assets | 0.2684% | 3,563 |
| Noninterest expense to average assets | 1.3505% | 4,561 |
| Loan and lease loss provision to assets | -0.0260% | 4,451 |
| Net operating income to assets | 0.9444% | 2,382 |
| Return on assets (ROA) | 0.9499% | 2,334 |
| Pretax return on assets | 0.9499% | 2,898 |
| Return on Equity (ROE) | 11.4552% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.4093% | 1,846 |
| Net charge-offs to loans | 0.0091% | 1,649 |
| Credit loss provision to net charge-offs | -866.6667% | 3,512 |
| Earnings coverage of net charge-offs (x) | 305.6667% | 399 |
| Efficiency ratio | 59.5233% | 3,362 |
| Assets per employee ($millions) | 10.9201% | 512 |
| Cash dividends to net income (ytd only)* | 35.3189% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 628 |
| Loan loss allowance to noncurrent loans | 1,372.9167% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,501 |
| Noncurrent loans to loans | 0.1403% | 3,007 |
| Net loans and leases to total assets | 34.1462% | 4,328 |
| Net loans and leases to deposits | 37.0234% | 4,369 |
| Net loans and leases to core deposits | 37.3159% | 4,397 |
| Total domestic deposits to total assets | 92.2287% | 747 |
| Equity capital to assets | 7.5813% | 3,417 |
| Core capital (leverage) ratio | 9.5178% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1842% | 357 |
| Memoranda: | ||
| Average total assets | $399,409,333 | 2,053 |
| Average earning assets | $387,175,000 | 1,992 |
| Average equity | $33,120,333 | 2,269 |
| Average total loans | $132,274,667 | 2,824 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1179% | 4,573 |
| Cost of funding earning assets | 0.1739% | 3,172 |
| Net interest margin | 1.9440% | 4,550 |
| Noninterest income to average assets | 0.2762% | 3,487 |
| Noninterest expense to average assets | 1.3563% | 4,571 |
| Loan and lease loss provision to assets | -0.0636% | 4,542 |
| Net operating income to assets | 0.8714% | 2,408 |
| Return on assets (ROA) | 0.8824% | 2,348 |
| Pretax return on assets | 0.8824% | 2,844 |
| Return on Equity (ROE) | 10.2132% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.3603% | 2,125 |
| Net charge-offs to loans | -0.0123% | 3,668 |
| Credit loss provision to net charge-offs | 1,600.0000% | 247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6722% | 3,183 |
| Assets per employee ($millions) | 11.0396% | 503 |
| Cash dividends to net income (ytd only)* | 37.7252% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 619 |
| Loan loss allowance to noncurrent loans | 1,284.8780% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,542 |
| Noncurrent loans to loans | 0.1554% | 3,025 |
| Net loans and leases to total assets | 31.6456% | 4,397 |
| Net loans and leases to deposits | 34.4649% | 4,435 |
| Net loans and leases to core deposits | 35.1604% | 4,453 |
| Total domestic deposits to total assets | 91.8199% | 649 |
| Equity capital to assets | 8.0342% | 3,537 |
| Core capital (leverage) ratio | 9.0704% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1629% | 378 |
| Memoranda: | ||
| Average total assets | $402,552,000 | 2,044 |
| Average earning assets | $390,950,000 | 1,986 |
| Average equity | $34,778,500 | 2,265 |
| Average total loans | $129,975,500 | 2,848 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6081% | 4,401 |
| Cost of funding earning assets | 0.2425% | 3,024 |
| Net interest margin | 2.3657% | 4,355 |
| Noninterest income to average assets | 0.2470% | 3,896 |
| Noninterest expense to average assets | 1.3441% | 4,654 |
| Loan and lease loss provision to assets | 0.0516% | 2,026 |
| Net operating income to assets | 1.1659% | 2,036 |
| Return on assets (ROA) | 1.1659% | 2,098 |
| Pretax return on assets | 1.1659% | 2,775 |
| Return on Equity (ROE) | 12.3643% | 1,693 |
| Retained earnings to average equity (ytd only) | 6.7370% | 2,024 |
| Net charge-offs to loans | -0.0096% | 3,731 |
| Credit loss provision to net charge-offs | -1,546.1538% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4730% | 4,082 |
| Assets per employee ($millions) | 10.1702% | 634 |
| Cash dividends to net income (ytd only)* | 45.5125% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1038% | 520 |
| Loan loss allowance to noncurrent loans | 1,270.7547% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,614 |
| Noncurrent loans to loans | 0.1656% | 3,116 |
| Net loans and leases to total assets | 31.6060% | 4,459 |
| Net loans and leases to deposits | 34.9080% | 4,508 |
| Net loans and leases to core deposits | 35.6335% | 4,524 |
| Total domestic deposits to total assets | 90.5407% | 694 |
| Equity capital to assets | 9.2629% | 3,357 |
| Core capital (leverage) ratio | 9.1040% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1959% | 342 |
| Memoranda: | ||
| Average total assets | $389,912,000 | 2,025 |
| Average earning assets | $381,497,400 | 1,964 |
| Average equity | $36,767,200 | 2,211 |
| Average total loans | $135,982,600 | 2,773 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6783% | 4,430 |
| Cost of funding earning assets | 0.2556% | 3,065 |
| Net interest margin | 2.4227% | 4,371 |
| Noninterest income to average assets | 0.2507% | 3,890 |
| Noninterest expense to average assets | 1.3438% | 4,715 |
| Loan and lease loss provision to assets | 0.0641% | 1,718 |
| Net operating income to assets | 1.2157% | 2,112 |
| Return on assets (ROA) | 1.2157% | 2,170 |
| Pretax return on assets | 1.2157% | 2,880 |
| Return on Equity (ROE) | 12.8348% | 1,749 |
| Retained earnings to average equity (ytd only) | 9.1947% | 1,617 |
| Net charge-offs to loans | -0.0068% | 3,529 |
| Credit loss provision to net charge-offs | -2,671.4286% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2173% | 4,105 |
| Assets per employee ($millions) | 9.7192% | 706 |
| Cash dividends to net income (ytd only)* | 28.3616% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 584 |
| Loan loss allowance to noncurrent loans | 1,078.2258% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,685 |
| Noncurrent loans to loans | 0.1899% | 3,188 |
| Net loans and leases to total assets | 32.9028% | 4,510 |
| Net loans and leases to deposits | 36.5574% | 4,560 |
| Net loans and leases to core deposits | 37.2891% | 4,586 |
| Total domestic deposits to total assets | 90.0032% | 772 |
| Equity capital to assets | 9.7779% | 3,126 |
| Core capital (leverage) ratio | 9.2732% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4745% | 357 |
| Memoranda: | ||
| Average total assets | $388,230,750 | 2,050 |
| Average earning assets | $380,280,500 | 1,987 |
| Average equity | $36,774,000 | 2,244 |
| Average total loans | $137,964,500 | 2,787 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5819% | 4,560 |
| Cost of funding earning assets | 0.2649% | 3,136 |
| Net interest margin | 2.3169% | 4,502 |
| Noninterest income to average assets | 0.2623% | 3,821 |
| Noninterest expense to average assets | 1.3462% | 4,762 |
| Loan and lease loss provision to assets | 0.0320% | 2,344 |
| Net operating income to assets | 1.1514% | 2,360 |
| Return on assets (ROA) | 1.1514% | 2,421 |
| Pretax return on assets | 1.1514% | 3,052 |
| Return on Equity (ROE) | 12.2879% | 1,952 |
| Retained earnings to average equity (ytd only) | 8.6081% | 1,849 |
| Net charge-offs to loans | -0.0043% | 3,388 |
| Credit loss provision to net charge-offs | -2,066.6667% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2192% | 3,901 |
| Assets per employee ($millions) | 10.0405% | 601 |
| Cash dividends to net income (ytd only)* | 29.9463% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 752 |
| Loan loss allowance to noncurrent loans | 967.6806% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,778 |
| Noncurrent loans to loans | 0.1953% | 3,250 |
| Net loans and leases to total assets | 32.8947% | 4,567 |
| Net loans and leases to deposits | 36.2917% | 4,626 |
| Net loans and leases to core deposits | 36.9887% | 4,651 |
| Total domestic deposits to total assets | 90.6396% | 502 |
| Equity capital to assets | 9.1682% | 3,635 |
| Core capital (leverage) ratio | 8.7551% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4292% | 359 |
| Memoranda: | ||
| Average total assets | $388,052,333 | 2,046 |
| Average earning assets | $379,723,667 | 1,977 |
| Average equity | $36,361,000 | 2,257 |
| Average total loans | $140,423,000 | 2,777 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5559% | 4,608 |
| Cost of funding earning assets | 0.2858% | 3,140 |
| Net interest margin | 2.2701% | 4,550 |
| Noninterest income to average assets | 0.3095% | 3,556 |
| Noninterest expense to average assets | 1.3313% | 4,803 |
| Loan and lease loss provision to assets | 0.0304% | 2,379 |
| Net operating income to assets | 1.1645% | 2,282 |
| Return on assets (ROA) | 1.1645% | 2,354 |
| Pretax return on assets | 1.1645% | 2,939 |
| Return on Equity (ROE) | 12.2886% | 1,911 |
| Retained earnings to average equity (ytd only) | 8.5910% | 2,065 |
| Net charge-offs to loans | -0.0084% | 3,603 |
| Credit loss provision to net charge-offs | -966.6667% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6993% | 3,938 |
| Assets per employee ($millions) | 10.3528% | 535 |
| Cash dividends to net income (ytd only)* | 30.0901% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 920 |
| Loan loss allowance to noncurrent loans | 887.6325% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,857 |
| Noncurrent loans to loans | 0.1993% | 3,393 |
| Net loans and leases to total assets | 35.4601% | 4,528 |
| Net loans and leases to deposits | 39.0889% | 4,593 |
| Net loans and leases to core deposits | 39.8822% | 4,624 |
| Total domestic deposits to total assets | 90.7167% | 503 |
| Equity capital to assets | 9.1209% | 3,571 |
| Core capital (leverage) ratio | 9.0631% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9050% | 358 |
| Memoranda: | ||
| Average total assets | $381,269,500 | 2,059 |
| Average earning assets | $372,311,500 | 1,992 |
| Average equity | $36,131,000 | 2,257 |
| Average total loans | $143,306,500 | 2,754 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 4,423 |
| Cost of funding earning assets | 0.4877% | 3,026 |
| Net interest margin | 2.7369% | 4,337 |
| Noninterest income to average assets | 0.2673% | 3,881 |
| Noninterest expense to average assets | 1.5090% | 4,774 |
| Loan and lease loss provision to assets | 0.0883% | 3,259 |
| Net operating income to assets | 1.3288% | 1,181 |
| Return on assets (ROA) | 1.3288% | 1,278 |
| Pretax return on assets | 1.3288% | 1,886 |
| Return on Equity (ROE) | 12.8325% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.9509% | 1,415 |
| Net charge-offs to loans | 0.0386% | 2,280 |
| Credit loss provision to net charge-offs | 526.7857% | 1,212 |
| Earnings coverage of net charge-offs (x) | 84.5536% | 868 |
| Efficiency ratio | 51.5700% | 4,413 |
| Assets per employee ($millions) | 9.7141% | 580 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 1,007 |
| Loan loss allowance to noncurrent loans | 810.4575% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 3,861 |
| Noncurrent loans to loans | 0.2116% | 3,441 |
| Net loans and leases to total assets | 38.5007% | 4,499 |
| Net loans and leases to deposits | 42.8460% | 4,561 |
| Net loans and leases to core deposits | 43.8410% | 4,607 |
| Total domestic deposits to total assets | 89.8582% | 621 |
| Equity capital to assets | 9.8555% | 3,257 |
| Core capital (leverage) ratio | 9.2700% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7191% | 401 |
| Memoranda: | ||
| Average total assets | $334,129,000 | 2,119 |
| Average earning assets | $324,598,200 | 2,059 |
| Average equity | $34,599,600 | 2,248 |
| Average total loans | $145,190,200 | 2,707 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 4,486 |
| Cost of funding earning assets | 0.5296% | 3,049 |
| Net interest margin | 2.7572% | 4,393 |
| Noninterest income to average assets | 0.2643% | 3,882 |
| Noninterest expense to average assets | 1.5506% | 4,767 |
| Loan and lease loss provision to assets | 0.0698% | 3,456 |
| Net operating income to assets | 1.3215% | 1,309 |
| Return on assets (ROA) | 1.3215% | 1,395 |
| Pretax return on assets | 1.3215% | 1,971 |
| Return on Equity (ROE) | 12.5895% | 1,223 |
| Retained earnings to average equity (ytd only) | 8.6780% | 1,084 |
| Net charge-offs to loans | 0.0211% | 2,435 |
| Credit loss provision to net charge-offs | 739.1304% | 1,036 |
| Earnings coverage of net charge-offs (x) | 147.6087% | 608 |
| Efficiency ratio | 52.7093% | 4,281 |
| Assets per employee ($millions) | 9.1502% | 666 |
| Cash dividends to net income (ytd only)* | 31.0698% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,436 |
| Loan loss allowance to noncurrent loans | 600.0000% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,858 |
| Noncurrent loans to loans | 0.2472% | 3,415 |
| Net loans and leases to total assets | 45.6137% | 4,335 |
| Net loans and leases to deposits | 51.0983% | 4,446 |
| Net loans and leases to core deposits | 52.3653% | 4,512 |
| Total domestic deposits to total assets | 89.2666% | 663 |
| Equity capital to assets | 10.4343% | 2,844 |
| Core capital (leverage) ratio | 9.6442% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2799% | 436 |
| Memoranda: | ||
| Average total assets | $325,377,750 | 2,140 |
| Average earning assets | $315,961,250 | 2,075 |
| Average equity | $34,154,500 | 2,265 |
| Average total loans | $145,338,000 | 2,706 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3606% | 4,579 |
| Cost of funding earning assets | 0.5670% | 3,142 |
| Net interest margin | 2.7936% | 4,461 |
| Noninterest income to average assets | 0.2655% | 3,883 |
| Noninterest expense to average assets | 1.5884% | 4,786 |
| Loan and lease loss provision to assets | 0.0642% | 3,494 |
| Net operating income to assets | 1.3248% | 1,295 |
| Return on assets (ROA) | 1.3248% | 1,394 |
| Pretax return on assets | 1.3248% | 1,948 |
| Return on Equity (ROE) | 12.5936% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.5990% | 1,134 |
| Net charge-offs to loans | 0.0457% | 1,836 |
| Credit loss provision to net charge-offs | 318.7500% | 1,571 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 886 |
| Efficiency ratio | 53.3488% | 4,248 |
| Assets per employee ($millions) | 8.9008% | 701 |
| Cash dividends to net income (ytd only)* | 31.7189% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,462 |
| Loan loss allowance to noncurrent loans | 555.5288% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 3,935 |
| Noncurrent loans to loans | 0.2586% | 3,460 |
| Net loans and leases to total assets | 45.6766% | 4,379 |
| Net loans and leases to deposits | 51.0218% | 4,486 |
| Net loans and leases to core deposits | 52.2835% | 4,551 |
| Total domestic deposits to total assets | 89.5236% | 562 |
| Equity capital to assets | 10.1904% | 3,029 |
| Core capital (leverage) ratio | 9.6718% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8882% | 458 |
| Memoranda: | ||
| Average total assets | $317,934,000 | 2,156 |
| Average earning assets | $308,635,000 | 2,083 |
| Average equity | $33,445,667 | 2,293 |
| Average total loans | $140,120,333 | 2,745 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 4,679 |
| Cost of funding earning assets | 0.5976% | 3,448 |
| Net interest margin | 2.8588% | 4,491 |
| Noninterest income to average assets | 0.2875% | 3,802 |
| Noninterest expense to average assets | 1.6708% | 4,801 |
| Loan and lease loss provision to assets | 0.0725% | 2,826 |
| Net operating income to assets | 1.3134% | 1,208 |
| Return on assets (ROA) | 1.3134% | 1,305 |
| Pretax return on assets | 1.3134% | 1,836 |
| Return on Equity (ROE) | 12.2654% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.1523% | 1,186 |
| Net charge-offs to loans | -0.0247% | 4,407 |
| Credit loss provision to net charge-offs | -687.5000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6592% | 4,337 |
| Assets per employee ($millions) | 7.9173% | 757 |
| Cash dividends to net income (ytd only)* | 33.5341% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 830 |
| Loan loss allowance to noncurrent loans | 520.0903% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 3,925 |
| Noncurrent loans to loans | 0.3321% | 3,301 |
| Net loans and leases to total assets | 42.4539% | 4,572 |
| Net loans and leases to deposits | 47.7053% | 4,670 |
| Net loans and leases to core deposits | 48.5822% | 4,711 |
| Total domestic deposits to total assets | 88.9920% | 667 |
| Equity capital to assets | 10.6249% | 3,209 |
| Core capital (leverage) ratio | 10.4223% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3389% | 539 |
| Memoranda: | ||
| Average total assets | $303,335,000 | 2,192 |
| Average earning assets | $293,832,000 | 2,114 |
| Average equity | $32,481,500 | 2,331 |
| Average total loans | $129,746,000 | 2,836 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 4,752 |
| Cost of funding earning assets | 0.6532% | 3,396 |
| Net interest margin | 2.9726% | 4,549 |
| Noninterest income to average assets | 0.2464% | 4,207 |
| Noninterest expense to average assets | 1.6522% | 4,914 |
| Loan and lease loss provision to assets | 0.0334% | 3,346 |
| Net operating income to assets | 1.4317% | 1,239 |
| Return on assets (ROA) | 1.4317% | 1,306 |
| Pretax return on assets | 1.4317% | 2,034 |
| Return on Equity (ROE) | 13.7241% | 956 |
| Retained earnings to average equity (ytd only) | 7.0760% | 1,366 |
| Net charge-offs to loans | -0.0173% | 4,597 |
| Credit loss provision to net charge-offs | -445.4545% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0010% | 4,522 |
| Assets per employee ($millions) | 7.8393% | 758 |
| Cash dividends to net income (ytd only)* | 48.4408% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 686 |
| Loan loss allowance to noncurrent loans | 529.7872% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 3,927 |
| Noncurrent loans to loans | 0.3354% | 3,242 |
| Net loans and leases to total assets | 41.5784% | 4,688 |
| Net loans and leases to deposits | 46.8073% | 4,765 |
| Net loans and leases to core deposits | 47.4022% | 4,807 |
| Total domestic deposits to total assets | 88.8289% | 735 |
| Equity capital to assets | 10.7944% | 3,188 |
| Core capital (leverage) ratio | 10.2678% | 3,222 |
| Tier 1 risk-based capital ratio | 22.3651% | 981 |
| Total risk-based capital ratio | 23.6197% | 957 |
| Memoranda: | ||
| Average total assets | $293,435,600 | 2,199 |
| Average earning assets | $283,392,600 | 2,125 |
| Average equity | $30,610,400 | 2,355 |
| Average total loans | $127,115,600 | 2,855 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 4,832 |
| Cost of funding earning assets | 0.6541% | 3,430 |
| Net interest margin | 2.9990% | 4,625 |
| Noninterest income to average assets | 0.2281% | 4,371 |
| Noninterest expense to average assets | 1.6443% | 4,970 |
| Loan and lease loss provision to assets | 0.0228% | 3,449 |
| Net operating income to assets | 1.4573% | 1,313 |
| Return on assets (ROA) | 1.4573% | 1,365 |
| Pretax return on assets | 1.4573% | 2,088 |
| Return on Equity (ROE) | 14.0944% | 963 |
| Retained earnings to average equity (ytd only) | 9.6742% | 839 |
| Net charge-offs to loans | 0.0324% | 2,422 |
| Credit loss provision to net charge-offs | 161.2903% | 1,546 |
| Earnings coverage of net charge-offs (x) | 104.6833% | 727 |
| Efficiency ratio | 52.6277% | 4,547 |
| Assets per employee ($millions) | 8.0620% | 676 |
| Cash dividends to net income (ytd only)* | 31.3616% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 828 |
| Loan loss allowance to noncurrent loans | 235.4235% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 3,328 |
| Noncurrent loans to loans | 0.7208% | 2,164 |
| Net loans and leases to total assets | 41.5618% | 4,765 |
| Net loans and leases to deposits | 46.7868% | 4,852 |
| Net loans and leases to core deposits | 47.4798% | 4,885 |
| Total domestic deposits to total assets | 88.8325% | 679 |
| Equity capital to assets | 10.8397% | 3,258 |
| Core capital (leverage) ratio | 10.6783% | 2,949 |
| Tier 1 risk-based capital ratio | 22.6488% | 991 |
| Total risk-based capital ratio | 23.9023% | 962 |
| Memoranda: | ||
| Average total assets | $292,320,750 | 2,222 |
| Average earning assets | $282,308,250 | 2,150 |
| Average equity | $30,224,000 | 2,391 |
| Average total loans | $127,369,250 | 2,885 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,881 |
| Cost of funding earning assets | 0.6349% | 3,488 |
| Net interest margin | 3.0159% | 4,659 |
| Noninterest income to average assets | 0.2280% | 4,388 |
| Noninterest expense to average assets | 1.6519% | 5,023 |
| Loan and lease loss provision to assets | 0.0186% | 3,415 |
| Net operating income to assets | 1.4763% | 1,214 |
| Return on assets (ROA) | 1.4763% | 1,266 |
| Pretax return on assets | 1.4763% | 1,935 |
| Return on Equity (ROE) | 14.5186% | 872 |
| Retained earnings to average equity (ytd only) | 9.9930% | 757 |
| Net charge-offs to loans | 0.0814% | 1,543 |
| Credit loss provision to net charge-offs | 51.9231% | 2,465 |
| Earnings coverage of net charge-offs (x) | 41.7308% | 1,216 |
| Efficiency ratio | 52.4956% | 4,616 |
| Assets per employee ($millions) | 8.0053% | 672 |
| Cash dividends to net income (ytd only)* | 31.1713% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 934 |
| Loan loss allowance to noncurrent loans | 264.6465% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 3,490 |
| Noncurrent loans to loans | 0.6216% | 2,398 |
| Net loans and leases to total assets | 42.3110% | 4,771 |
| Net loans and leases to deposits | 47.4910% | 4,862 |
| Net loans and leases to core deposits | 48.1473% | 4,908 |
| Total domestic deposits to total assets | 89.0927% | 627 |
| Equity capital to assets | 10.6159% | 3,420 |
| Core capital (leverage) ratio | 10.3973% | 3,194 |
| Tier 1 risk-based capital ratio | 22.2687% | 1,025 |
| Total risk-based capital ratio | 23.5221% | 1,006 |
| Memoranda: | ||
| Average total assets | $290,330,000 | 2,232 |
| Average earning assets | $280,978,670 | 2,161 |
| Average equity | $29,520,670 | 2,430 |
| Average total loans | $127,787,000 | 2,899 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,912 |
| Cost of funding earning assets | 0.6085% | 3,522 |
| Net interest margin | 3.0381% | 4,699 |
| Noninterest income to average assets | 0.2116% | 4,476 |
| Noninterest expense to average assets | 1.7231% | 4,997 |
| Loan and lease loss provision to assets | 0.0223% | 3,150 |
| Net operating income to assets | 1.4057% | 1,358 |
| Return on assets (ROA) | 1.4057% | 1,385 |
| Pretax return on assets | 1.4057% | 2,066 |
| Return on Equity (ROE) | 14.1462% | 937 |
| Retained earnings to average equity (ytd only) | 9.4821% | 1,173 |
| Net charge-offs to loans | 0.1344% | 938 |
| Credit loss provision to net charge-offs | 37.2093% | 2,048 |
| Earnings coverage of net charge-offs (x) | 23.8605% | 1,463 |
| Efficiency ratio | 54.6820% | 4,472 |
| Assets per employee ($millions) | 7.6103% | 775 |
| Cash dividends to net income (ytd only)* | 32.9703% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 995 |
| Loan loss allowance to noncurrent loans | 573.6986% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 4,165 |
| Noncurrent loans to loans | 0.2857% | 3,536 |
| Net loans and leases to total assets | 43.4567% | 4,765 |
| Net loans and leases to deposits | 48.5610% | 4,868 |
| Net loans and leases to core deposits | 48.8605% | 4,919 |
| Total domestic deposits to total assets | 89.4890% | 645 |
| Equity capital to assets | 10.1289% | 3,694 |
| Core capital (leverage) ratio | 10.3328% | 3,240 |
| Tier 1 risk-based capital ratio | 21.7972% | 1,076 |
| Total risk-based capital ratio | 23.0505% | 1,054 |
| Memoranda: | ||
| Average total assets | $287,396,500 | 2,266 |
| Average earning assets | $278,072,000 | 2,192 |
| Average equity | $28,559,000 | 2,482 |
| Average total loans | $127,970,500 | 2,926 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 4,957 |
| Cost of funding earning assets | 0.4639% | 3,588 |
| Net interest margin | 2.9945% | 4,803 |
| Noninterest income to average assets | 0.2421% | 4,473 |
| Noninterest expense to average assets | 1.6992% | 5,088 |
| Loan and lease loss provision to assets | 0.0289% | 3,595 |
| Net operating income to assets | 1.4094% | 1,399 |
| Return on assets (ROA) | 1.4094% | 1,388 |
| Pretax return on assets | 1.4094% | 2,100 |
| Return on Equity (ROE) | 14.5634% | 927 |
| Retained earnings to average equity (ytd only) | 7.2099% | 1,574 |
| Net charge-offs to loans | 0.1386% | 1,369 |
| Credit loss provision to net charge-offs | 45.5056% | 3,233 |
| Earnings coverage of net charge-offs (x) | 22.6629% | 1,890 |
| Efficiency ratio | 54.1591% | 4,606 |
| Assets per employee ($millions) | 7.3231% | 865 |
| Cash dividends to net income (ytd only)* | 50.4933% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 917 |
| Loan loss allowance to noncurrent loans | 531.5789% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,124 |
| Noncurrent loans to loans | 0.3113% | 3,437 |
| Net loans and leases to total assets | 44.1359% | 4,810 |
| Net loans and leases to deposits | 49.0820% | 4,912 |
| Net loans and leases to core deposits | 49.3376% | 4,960 |
| Total domestic deposits to total assets | 89.9227% | 500 |
| Equity capital to assets | 9.7429% | 3,914 |
| Core capital (leverage) ratio | 9.8887% | 3,704 |
| Tier 1 risk-based capital ratio | 21.3827% | 1,114 |
| Total risk-based capital ratio | 22.6364% | 1,090 |
| Memoranda: | ||
| Average total assets | $280,483,400 | 2,268 |
| Average earning assets | $271,194,400 | 2,186 |
| Average equity | $27,143,400 | 2,507 |
| Average total loans | $128,392,200 | 2,895 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 5,057 |
| Cost of funding earning assets | 0.4332% | 3,644 |
| Net interest margin | 2.9468% | 4,919 |
| Noninterest income to average assets | 0.2407% | 4,534 |
| Noninterest expense to average assets | 1.7101% | 5,125 |
| Loan and lease loss provision to assets | 0.0411% | 3,179 |
| Net operating income to assets | 1.3414% | 1,698 |
| Return on assets (ROA) | 1.3414% | 1,708 |
| Pretax return on assets | 1.3414% | 2,461 |
| Return on Equity (ROE) | 13.8853% | 1,151 |
| Retained earnings to average equity (ytd only) | 8.8136% | 1,298 |
| Net charge-offs to loans | 0.1360% | 1,190 |
| Credit loss provision to net charge-offs | 65.6489% | 2,676 |
| Earnings coverage of net charge-offs (x) | 22.0995% | 1,896 |
| Efficiency ratio | 55.2965% | 4,475 |
| Assets per employee ($millions) | 7.4049% | 804 |
| Cash dividends to net income (ytd only)* | 36.5256% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 886 |
| Loan loss allowance to noncurrent loans | 460.3814% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 4,144 |
| Noncurrent loans to loans | 0.3678% | 3,324 |
| Net loans and leases to total assets | 43.6808% | 4,892 |
| Net loans and leases to deposits | 48.3515% | 5,003 |
| Net loans and leases to core deposits | 48.5981% | 5,056 |
| Total domestic deposits to total assets | 90.3401% | 398 |
| Equity capital to assets | 9.3669% | 4,213 |
| Core capital (leverage) ratio | 10.2723% | 3,330 |
| Tier 1 risk-based capital ratio | 21.3947% | 1,129 |
| Total risk-based capital ratio | 22.6492% | 1,113 |
| Memoranda: | ||
| Average total assets | $279,203,750 | 2,287 |
| Average earning assets | $270,205,000 | 2,206 |
| Average equity | $26,972,750 | 2,522 |
| Average total loans | $128,446,750 | 2,919 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3475% | 5,093 |
| Cost of funding earning assets | 0.4136% | 3,617 |
| Net interest margin | 2.9339% | 4,969 |
| Noninterest income to average assets | 0.2406% | 4,574 |
| Noninterest expense to average assets | 1.7637% | 5,137 |
| Loan and lease loss provision to assets | 0.0507% | 2,903 |
| Net operating income to assets | 1.2637% | 1,922 |
| Return on assets (ROA) | 1.2637% | 1,922 |
| Pretax return on assets | 1.2637% | 2,654 |
| Return on Equity (ROE) | 12.9441% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.8154% | 1,697 |
| Net charge-offs to loans | 0.1899% | 822 |
| Credit loss provision to net charge-offs | 57.3770% | 2,448 |
| Earnings coverage of net charge-offs (x) | 14.8689% | 2,074 |
| Efficiency ratio | 57.2976% | 4,326 |
| Assets per employee ($millions) | 7.0601% | 898 |
| Cash dividends to net income (ytd only)* | 39.6216% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 897 |
| Loan loss allowance to noncurrent loans | 515.7143% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,228 |
| Noncurrent loans to loans | 0.3306% | 3,515 |
| Net loans and leases to total assets | 45.3482% | 4,857 |
| Net loans and leases to deposits | 50.3384% | 4,972 |
| Net loans and leases to core deposits | 50.6078% | 5,029 |
| Total domestic deposits to total assets | 90.0866% | 542 |
| Equity capital to assets | 9.6279% | 3,985 |
| Core capital (leverage) ratio | 10.1162% | 3,464 |
| Tier 1 risk-based capital ratio | 21.4481% | 1,104 |
| Total risk-based capital ratio | 22.7033% | 1,084 |
| Memoranda: | ||
| Average total assets | $276,007,330 | 2,311 |
| Average earning assets | $266,944,000 | 2,234 |
| Average equity | $26,946,670 | 2,534 |
| Average total loans | $128,489,000 | 2,929 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 5,140 |
| Cost of funding earning assets | 0.4014% | 3,574 |
| Net interest margin | 2.8982% | 5,030 |
| Noninterest income to average assets | 0.2273% | 4,653 |
| Noninterest expense to average assets | 1.7428% | 5,210 |
| Loan and lease loss provision to assets | 0.0536% | 2,703 |
| Net operating income to assets | 1.2318% | 1,887 |
| Return on assets (ROA) | 1.2318% | 1,894 |
| Pretax return on assets | 1.2318% | 2,630 |
| Return on Equity (ROE) | 12.5308% | 1,404 |
| Retained earnings to average equity (ytd only) | 7.4360% | 2,084 |
| Net charge-offs to loans | 0.1733% | 836 |
| Credit loss provision to net charge-offs | 66.0714% | 1,862 |
| Earnings coverage of net charge-offs (x) | 15.8571% | 1,649 |
| Efficiency ratio | 57.5526% | 4,407 |
| Assets per employee ($millions) | 7.0197% | 951 |
| Cash dividends to net income (ytd only)* | 40.6580% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 921 |
| Loan loss allowance to noncurrent loans | 817.4721% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 4,597 |
| Noncurrent loans to loans | 0.2096% | 4,033 |
| Net loans and leases to total assets | 46.0690% | 4,789 |
| Net loans and leases to deposits | 51.3304% | 4,910 |
| Net loans and leases to core deposits | 52.1503% | 4,976 |
| Total domestic deposits to total assets | 89.7498% | 762 |
| Equity capital to assets | 9.8667% | 3,736 |
| Core capital (leverage) ratio | 10.2362% | 3,259 |
| Tier 1 risk-based capital ratio | 21.5058% | 1,119 |
| Total risk-based capital ratio | 22.7609% | 1,098 |
| Memoranda: | ||
| Average total assets | $276,338,500 | 2,331 |
| Average earning assets | $267,060,500 | 2,253 |
| Average equity | $27,165,000 | 2,541 |
| Average total loans | $129,218,500 | 2,944 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2480% | 5,138 |
| Cost of funding earning assets | 0.3580% | 3,635 |
| Net interest margin | 2.8900% | 5,058 |
| Noninterest income to average assets | 0.2444% | 4,672 |
| Noninterest expense to average assets | 1.7148% | 5,321 |
| Loan and lease loss provision to assets | 0.0224% | 3,850 |
| Net operating income to assets | 1.2987% | 1,224 |
| Return on assets (ROA) | 1.2893% | 1,272 |
| Pretax return on assets | 1.2893% | 2,393 |
| Return on Equity (ROE) | 13.1863% | 913 |
| Retained earnings to average equity (ytd only) | 5.8581% | 1,623 |
| Net charge-offs to loans | 0.0236% | 3,335 |
| Credit loss provision to net charge-offs | 206.6667% | 1,324 |
| Earnings coverage of net charge-offs (x) | 121.6333% | 556 |
| Efficiency ratio | 56.4818% | 4,718 |
| Assets per employee ($millions) | 7.3397% | 831 |
| Cash dividends to net income (ytd only)* | 55.5743% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 942 |
| Loan loss allowance to noncurrent loans | 626.5537% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,491 |
| Noncurrent loans to loans | 0.2721% | 3,810 |
| Net loans and leases to total assets | 45.8565% | 4,901 |
| Net loans and leases to deposits | 51.0414% | 5,025 |
| Net loans and leases to core deposits | 51.6084% | 5,078 |
| Total domestic deposits to total assets | 89.8418% | 628 |
| Equity capital to assets | 9.7947% | 3,921 |
| Core capital (leverage) ratio | 9.7241% | 3,778 |
| Tier 1 risk-based capital ratio | 20.9334% | 1,154 |
| Total risk-based capital ratio | 22.1885% | 1,136 |
| Memoranda: | ||
| Average total assets | $276,190,400 | 2,310 |
| Average earning assets | $266,783,600 | 2,234 |
| Average equity | $27,005,200 | 2,546 |
| Average total loans | $127,102,200 | 2,959 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2146% | 5,212 |
| Cost of funding earning assets | 0.3477% | 3,692 |
| Net interest margin | 2.8669% | 5,135 |
| Noninterest income to average assets | 0.2439% | 4,745 |
| Noninterest expense to average assets | 1.6972% | 5,368 |
| Loan and lease loss provision to assets | 0.0194% | 3,753 |
| Net operating income to assets | 1.2965% | 1,349 |
| Return on assets (ROA) | 1.2965% | 1,382 |
| Pretax return on assets | 1.2965% | 2,514 |
| Return on Equity (ROE) | 13.2652% | 995 |
| Retained earnings to average equity (ytd only) | 8.1354% | 1,170 |
| Net charge-offs to loans | 0.0158% | 3,204 |
| Credit loss provision to net charge-offs | 266.6667% | 1,081 |
| Earnings coverage of net charge-offs (x) | 181.2620% | 472 |
| Efficiency ratio | 56.3283% | 4,703 |
| Assets per employee ($millions) | 7.3959% | 797 |
| Cash dividends to net income (ytd only)* | 38.6712% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 1,021 |
| Loan loss allowance to noncurrent loans | 697.4763% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,650 |
| Noncurrent loans to loans | 0.2447% | 4,077 |
| Net loans and leases to total assets | 45.3159% | 4,973 |
| Net loans and leases to deposits | 50.5090% | 5,110 |
| Net loans and leases to core deposits | 50.8458% | 5,170 |
| Total domestic deposits to total assets | 89.7184% | 570 |
| Equity capital to assets | 9.9692% | 3,944 |
| Core capital (leverage) ratio | 10.1569% | 3,369 |
| Tier 1 risk-based capital ratio | 21.0368% | 1,190 |
| Total risk-based capital ratio | 22.2916% | 1,163 |
| Memoranda: | ||
| Average total assets | $275,511,250 | 2,328 |
| Average earning assets | $266,109,750 | 2,249 |
| Average equity | $26,927,000 | 2,568 |
| Average total loans | $126,349,000 | 2,992 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 5,256 |
| Cost of funding earning assets | 0.3380% | 3,716 |
| Net interest margin | 2.8496% | 5,170 |
| Noninterest income to average assets | 0.2507% | 4,740 |
| Noninterest expense to average assets | 1.7116% | 5,402 |
| Loan and lease loss provision to assets | 0.0468% | 3,057 |
| Net operating income to assets | 1.2468% | 1,450 |
| Return on assets (ROA) | 1.2468% | 1,476 |
| Pretax return on assets | 1.2468% | 2,599 |
| Return on Equity (ROE) | 12.8448% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.6421% | 1,298 |
| Net charge-offs to loans | 0.0128% | 3,007 |
| Credit loss provision to net charge-offs | 800.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 221.2500% | 384 |
| Efficiency ratio | 56.9553% | 4,715 |
| Assets per employee ($millions) | 7.2389% | 831 |
| Cash dividends to net income (ytd only)* | 40.5041% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 1,029 |
| Loan loss allowance to noncurrent loans | 497.1175% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 4,507 |
| Noncurrent loans to loans | 0.3450% | 3,803 |
| Net loans and leases to total assets | 46.7086% | 4,902 |
| Net loans and leases to deposits | 52.0739% | 5,054 |
| Net loans and leases to core deposits | 52.9470% | 5,120 |
| Total domestic deposits to total assets | 89.6967% | 646 |
| Equity capital to assets | 9.9892% | 3,923 |
| Core capital (leverage) ratio | 9.8697% | 3,692 |
| Tier 1 risk-based capital ratio | 20.2391% | 1,319 |
| Total risk-based capital ratio | 21.4940% | 1,288 |
| Memoranda: | ||
| Average total assets | $273,666,670 | 2,348 |
| Average earning assets | $264,529,670 | 2,269 |
| Average equity | $26,563,330 | 2,591 |
| Average total loans | $125,275,670 | 3,018 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1204% | 5,346 |
| Cost of funding earning assets | 0.3231% | 3,814 |
| Net interest margin | 2.7973% | 5,241 |
| Noninterest income to average assets | 0.2564% | 4,700 |
| Noninterest expense to average assets | 1.7438% | 5,434 |
| Loan and lease loss provision to assets | 0.0469% | 2,873 |
| Net operating income to assets | 1.1679% | 1,602 |
| Return on assets (ROA) | 1.1679% | 1,645 |
| Pretax return on assets | 1.1679% | 2,716 |
| Return on Equity (ROE) | 12.2118% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.9256% | 1,878 |
| Net charge-offs to loans | -0.0751% | 5,354 |
| Credit loss provision to net charge-offs | -139.1304% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9401% | 4,598 |
| Assets per employee ($millions) | 7.0783% | 916 |
| Cash dividends to net income (ytd only)* | 43.2873% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 992 |
| Loan loss allowance to noncurrent loans | 295.6464% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 4,112 |
| Noncurrent loans to loans | 0.6025% | 3,013 |
| Net loans and leases to total assets | 44.7640% | 4,998 |
| Net loans and leases to deposits | 49.7450% | 5,147 |
| Net loans and leases to core deposits | 50.4178% | 5,204 |
| Total domestic deposits to total assets | 89.9870% | 661 |
| Equity capital to assets | 9.5844% | 4,198 |
| Core capital (leverage) ratio | 9.9167% | 3,608 |
| Tier 1 risk-based capital ratio | 20.6642% | 1,273 |
| Total risk-based capital ratio | 21.9199% | 1,248 |
| Memoranda: | ||
| Average total assets | $272,961,000 | 2,377 |
| Average earning assets | $263,682,000 | 2,292 |
| Average equity | $26,106,000 | 2,631 |
| Average total loans | $122,550,000 | 3,080 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 4,845 |
| Cost of funding earning assets | 0.3520% | 3,498 |
| Net interest margin | 3.1165% | 4,682 |
| Noninterest income to average assets | 0.2843% | 4,709 |
| Noninterest expense to average assets | 2.0433% | 5,106 |
| Loan and lease loss provision to assets | 0.0400% | 3,581 |
| Net operating income to assets | 1.2164% | 1,446 |
| Return on assets (ROA) | 1.2164% | 1,534 |
| Pretax return on assets | 1.2164% | 2,601 |
| Return on Equity (ROE) | 12.4873% | 1,121 |
| Retained earnings to average equity (ytd only) | 5.1441% | 2,246 |
| Net charge-offs to loans | 0.2600% | 1,066 |
| Credit loss provision to net charge-offs | 34.2857% | 3,550 |
| Earnings coverage of net charge-offs (x) | 10.7619% | 2,606 |
| Efficiency ratio | 61.9229% | 4,266 |
| Assets per employee ($millions) | 6.1334% | 1,385 |
| Cash dividends to net income (ytd only)* | 58.8056% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8326% | 895 |
| Loan loss allowance to noncurrent loans | 313.1805% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,261 |
| Noncurrent loans to loans | 0.5851% | 3,092 |
| Net loans and leases to total assets | 43.3916% | 5,155 |
| Net loans and leases to deposits | 48.1951% | 5,288 |
| Net loans and leases to core deposits | 51.7676% | 5,237 |
| Total domestic deposits to total assets | 90.0333% | 619 |
| Equity capital to assets | 9.5431% | 4,226 |
| Core capital (leverage) ratio | 9.4935% | 4,093 |
| Tier 1 risk-based capital ratio | 21.3527% | 1,154 |
| Total risk-based capital ratio | 22.6093% | 1,139 |
| Memoranda: | ||
| Average total assets | $269,810,200 | 2,365 |
| Average earning assets | $261,065,800 | 2,276 |
| Average equity | $26,282,600 | 2,614 |
| Average total loans | $121,135,800 | 3,052 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 4,632 |
| Cost of funding earning assets | 0.3569% | 3,465 |
| Net interest margin | 3.2143% | 4,447 |
| Noninterest income to average assets | 0.2609% | 4,902 |
| Noninterest expense to average assets | 2.1151% | 4,978 |
| Loan and lease loss provision to assets | 0.0376% | 3,491 |
| Net operating income to assets | 1.2236% | 1,546 |
| Return on assets (ROA) | 1.2236% | 1,644 |
| Pretax return on assets | 1.2236% | 2,735 |
| Return on Equity (ROE) | 12.4978% | 1,176 |
| Retained earnings to average equity (ytd only) | 7.2685% | 1,494 |
| Net charge-offs to loans | 0.2675% | 866 |
| Credit loss provision to net charge-offs | 31.1475% | 3,219 |
| Earnings coverage of net charge-offs (x) | 10.4589% | 2,571 |
| Efficiency ratio | 62.6464% | 4,119 |
| Assets per employee ($millions) | 4.7054% | 2,743 |
| Cash dividends to net income (ytd only)* | 41.8417% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 982 |
| Loan loss allowance to noncurrent loans | 297.8581% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 4,332 |
| Noncurrent loans to loans | 0.6106% | 3,188 |
| Net loans and leases to total assets | 44.0109% | 5,189 |
| Net loans and leases to deposits | 50.6214% | 5,271 |
| Net loans and leases to core deposits | 50.7951% | 5,357 |
| Total domestic deposits to total assets | 86.9412% | 1,923 |
| Equity capital to assets | 9.9805% | 4,144 |
| Core capital (leverage) ratio | 9.5728% | 4,093 |
| Tier 1 risk-based capital ratio | 21.0401% | 1,265 |
| Total risk-based capital ratio | 22.2964% | 1,241 |
| Memoranda: | ||
| Average total assets | $269,795,250 | 2,379 |
| Average earning assets | $261,491,000 | 2,283 |
| Average equity | $26,414,750 | 2,623 |
| Average total loans | $121,598,000 | 3,044 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 4,698 |
| Cost of funding earning assets | 0.3594% | 3,458 |
| Net interest margin | 3.2050% | 4,525 |
| Noninterest income to average assets | 0.2433% | 5,024 |
| Noninterest expense to average assets | 2.0561% | 5,157 |
| Loan and lease loss provision to assets | 0.0313% | 3,503 |
| Net operating income to assets | 1.2614% | 1,389 |
| Return on assets (ROA) | 1.2614% | 1,508 |
| Pretax return on assets | 1.2614% | 2,559 |
| Return on Equity (ROE) | 12.9685% | 1,037 |
| Retained earnings to average equity (ytd only) | 7.6893% | 1,294 |
| Net charge-offs to loans | 0.0313% | 2,843 |
| Credit loss provision to net charge-offs | 221.0526% | 1,217 |
| Earnings coverage of net charge-offs (x) | 91.4211% | 625 |
| Efficiency ratio | 61.4000% | 4,446 |
| Assets per employee ($millions) | 4.7232% | 2,667 |
| Cash dividends to net income (ytd only)* | 40.7080% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 718 |
| Loan loss allowance to noncurrent loans | 279.3064% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 4,233 |
| Noncurrent loans to loans | 0.7197% | 2,931 |
| Net loans and leases to total assets | 42.9917% | 5,285 |
| Net loans and leases to deposits | 49.3303% | 5,366 |
| Net loans and leases to core deposits | 49.9813% | 5,433 |
| Total domestic deposits to total assets | 87.1508% | 1,837 |
| Equity capital to assets | 9.8198% | 4,424 |
| Core capital (leverage) ratio | 9.6114% | 4,049 |
| Tier 1 risk-based capital ratio | 21.2845% | 1,228 |
| Total risk-based capital ratio | 22.5432% | 1,207 |
| Memoranda: | ||
| Average total assets | $268,756,330 | 2,395 |
| Average earning assets | $260,409,670 | 2,296 |
| Average equity | $26,140,330 | 2,656 |
| Average total loans | $121,352,000 | 3,053 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 4,542 |
| Cost of funding earning assets | 0.3666% | 3,432 |
| Net interest margin | 3.2621% | 4,352 |
| Noninterest income to average assets | 0.2435% | 4,996 |
| Noninterest expense to average assets | 2.0679% | 5,184 |
| Loan and lease loss provision to assets | 0.0180% | 3,455 |
| Net operating income to assets | 1.3135% | 1,222 |
| Return on assets (ROA) | 1.3135% | 1,301 |
| Pretax return on assets | 1.3135% | 2,247 |
| Return on Equity (ROE) | 13.5714% | 916 |
| Retained earnings to average equity (ytd only) | 8.2143% | 1,369 |
| Net charge-offs to loans | -0.0361% | 5,157 |
| Credit loss provision to net charge-offs | -109.0909% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8311% | 4,627 |
| Assets per employee ($millions) | 4.6271% | 2,851 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 846 |
| Loan loss allowance to noncurrent loans | 284.2353% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 4,243 |
| Noncurrent loans to loans | 0.6964% | 3,106 |
| Net loans and leases to total assets | 45.3605% | 5,165 |
| Net loans and leases to deposits | 52.2437% | 5,214 |
| Net loans and leases to core deposits | 52.7291% | 5,321 |
| Total domestic deposits to total assets | 86.8249% | 2,285 |
| Equity capital to assets | 9.9338% | 4,169 |
| Core capital (leverage) ratio | 9.6866% | 3,930 |
| Tier 1 risk-based capital ratio | 20.5477% | 1,397 |
| Total risk-based capital ratio | 21.8064% | 1,372 |
| Memoranda: | ||
| Average total assets | $266,161,500 | 2,421 |
| Average earning assets | $257,506,500 | 2,330 |
| Average equity | $25,760,000 | 2,679 |
| Average total loans | $121,933,000 | 3,057 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 4,631 |
| Cost of funding earning assets | 0.4045% | 3,104 |
| Net interest margin | 3.2096% | 4,596 |
| Noninterest income to average assets | 0.2662% | 4,965 |
| Noninterest expense to average assets | 2.1264% | 5,200 |
| Loan and lease loss provision to assets | 0.0692% | 2,905 |
| Net operating income to assets | 1.1698% | 1,671 |
| Return on assets (ROA) | 1.1698% | 1,738 |
| Pretax return on assets | 1.1698% | 2,770 |
| Return on Equity (ROE) | 12.3287% | 1,227 |
| Retained earnings to average equity (ytd only) | 4.6422% | 2,683 |
| Net charge-offs to loans | 0.0744% | 2,764 |
| Credit loss provision to net charge-offs | 207.9545% | 1,349 |
| Earnings coverage of net charge-offs (x) | 37.2386% | 1,237 |
| Efficiency ratio | 63.1839% | 4,413 |
| Assets per employee ($millions) | 4.6306% | 2,846 |
| Cash dividends to net income (ytd only)* | 62.3465% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 852 |
| Loan loss allowance to noncurrent loans | 305.6194% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 4,385 |
| Noncurrent loans to loans | 0.6428% | 3,257 |
| Net loans and leases to total assets | 44.4641% | 5,255 |
| Net loans and leases to deposits | 50.8794% | 5,343 |
| Net loans and leases to core deposits | 51.3400% | 5,437 |
| Total domestic deposits to total assets | 87.3913% | 1,933 |
| Equity capital to assets | 9.4275% | 4,640 |
| Core capital (leverage) ratio | 9.2950% | 4,483 |
| Tier 1 risk-based capital ratio | 20.0641% | 1,474 |
| Total risk-based capital ratio | 21.3223% | 1,449 |
| Memoranda: | ||
| Average total assets | $264,481,200 | 2,384 |
| Average earning assets | $255,390,200 | 2,301 |
| Average equity | $25,096,000 | 2,684 |
| Average total loans | $118,262,800 | 3,079 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,724 |
| Cost of funding earning assets | 0.4118% | 3,101 |
| Net interest margin | 3.1937% | 4,689 |
| Noninterest income to average assets | 0.2627% | 5,060 |
| Noninterest expense to average assets | 2.1260% | 5,223 |
| Loan and lease loss provision to assets | 0.0724% | 2,729 |
| Net operating income to assets | 1.1488% | 1,836 |
| Return on assets (ROA) | 1.1488% | 1,900 |
| Pretax return on assets | 1.1488% | 3,022 |
| Return on Equity (ROE) | 12.0870% | 1,351 |
| Retained earnings to average equity (ytd only) | 6.5760% | 1,903 |
| Net charge-offs to loans | 0.0818% | 2,382 |
| Credit loss provision to net charge-offs | 198.6111% | 1,343 |
| Earnings coverage of net charge-offs (x) | 33.5130% | 1,389 |
| Efficiency ratio | 63.5168% | 4,331 |
| Assets per employee ($millions) | 4.4834% | 3,039 |
| Cash dividends to net income (ytd only)* | 45.5949% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9925% | 920 |
| Loan loss allowance to noncurrent loans | 345.3353% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 4,676 |
| Noncurrent loans to loans | 0.5770% | 3,604 |
| Net loans and leases to total assets | 44.0526% | 5,356 |
| Net loans and leases to deposits | 50.7387% | 5,438 |
| Net loans and leases to core deposits | 50.9172% | 5,545 |
| Total domestic deposits to total assets | 86.8225% | 2,128 |
| Equity capital to assets | 9.6885% | 4,531 |
| Core capital (leverage) ratio | 9.4847% | 4,321 |
| Tier 1 risk-based capital ratio | 20.6804% | 1,405 |
| Total risk-based capital ratio | 21.9390% | 1,372 |
| Memoranda: | ||
| Average total assets | $263,457,500 | 2,414 |
| Average earning assets | $254,455,000 | 2,320 |
| Average equity | $25,040,000 | 2,712 |
| Average total loans | $117,375,250 | 3,113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 4,740 |
| Cost of funding earning assets | 0.4152% | 3,092 |
| Net interest margin | 3.1762% | 4,729 |
| Noninterest income to average assets | 0.2721% | 5,004 |
| Noninterest expense to average assets | 2.0874% | 5,367 |
| Loan and lease loss provision to assets | 0.0745% | 2,628 |
| Net operating income to assets | 1.1744% | 1,684 |
| Return on assets (ROA) | 1.1744% | 1,751 |
| Pretax return on assets | 1.1744% | 2,882 |
| Return on Equity (ROE) | 12.4376% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.8829% | 1,747 |
| Net charge-offs to loans | 0.0736% | 2,340 |
| Credit loss provision to net charge-offs | 227.9070% | 1,115 |
| Earnings coverage of net charge-offs (x) | 38.2093% | 1,165 |
| Efficiency ratio | 62.5655% | 4,581 |
| Assets per employee ($millions) | 4.4453% | 3,072 |
| Cash dividends to net income (ytd only)* | 44.6602% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 975 |
| Loan loss allowance to noncurrent loans | 304.0052% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 4,648 |
| Noncurrent loans to loans | 0.6597% | 3,503 |
| Net loans and leases to total assets | 43.8338% | 5,389 |
| Net loans and leases to deposits | 50.5125% | 5,476 |
| Net loans and leases to core deposits | 51.1888% | 5,569 |
| Total domestic deposits to total assets | 86.7780% | 2,278 |
| Equity capital to assets | 9.6014% | 4,534 |
| Core capital (leverage) ratio | 9.3337% | 4,511 |
| Tier 1 risk-based capital ratio | 20.8034% | 1,408 |
| Total risk-based capital ratio | 22.0628% | 1,379 |
| Memoranda: | ||
| Average total assets | $263,103,330 | 2,431 |
| Average earning assets | $253,828,670 | 2,340 |
| Average equity | $24,844,000 | 2,734 |
| Average total loans | $116,868,000 | 3,139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,716 |
| Cost of funding earning assets | 0.4170% | 3,114 |
| Net interest margin | 3.1742% | 4,698 |
| Noninterest income to average assets | 0.2717% | 5,006 |
| Noninterest expense to average assets | 2.0386% | 5,506 |
| Loan and lease loss provision to assets | 0.0805% | 2,356 |
| Net operating income to assets | 1.2143% | 1,506 |
| Return on assets (ROA) | 1.2143% | 1,599 |
| Pretax return on assets | 1.2143% | 2,612 |
| Return on Equity (ROE) | 12.9686% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.3759% | 1,822 |
| Net charge-offs to loans | -0.0206% | 5,062 |
| Credit loss provision to net charge-offs | -883.3333% | 4,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1566% | 4,936 |
| Assets per employee ($millions) | 4.4633% | 3,112 |
| Cash dividends to net income (ytd only)* | 43.1250% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 1,035 |
| Loan loss allowance to noncurrent loans | 300.2548% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 4,739 |
| Noncurrent loans to loans | 0.6742% | 3,601 |
| Net loans and leases to total assets | 43.3222% | 5,401 |
| Net loans and leases to deposits | 49.9510% | 5,460 |
| Net loans and leases to core deposits | 51.1326% | 5,533 |
| Total domestic deposits to total assets | 86.7295% | 2,535 |
| Equity capital to assets | 9.5156% | 4,734 |
| Core capital (leverage) ratio | 9.2913% | 4,588 |
| Tier 1 risk-based capital ratio | 20.7371% | 1,473 |
| Total risk-based capital ratio | 21.9962% | 1,440 |
| Memoranda: | ||
| Average total assets | $263,517,500 | 2,439 |
| Average earning assets | $254,176,500 | 2,355 |
| Average equity | $24,675,000 | 2,774 |
| Average total loans | $116,643,000 | 3,151 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,876 |
| Cost of funding earning assets | 0.4734% | 2,948 |
| Net interest margin | 3.1978% | 4,927 |
| Noninterest income to average assets | 0.2846% | 5,086 |
| Noninterest expense to average assets | 2.0429% | 5,687 |
| Loan and lease loss provision to assets | 0.0845% | 2,787 |
| Net operating income to assets | 1.2419% | 1,461 |
| Return on assets (ROA) | 1.2411% | 1,519 |
| Pretax return on assets | 1.2415% | 2,483 |
| Return on Equity (ROE) | 13.5707% | 1,022 |
| Retained earnings to average equity (ytd only) | 5.3969% | 2,331 |
| Net charge-offs to loans | 0.1123% | 2,907 |
| Credit loss provision to net charge-offs | 167.6923% | 1,458 |
| Earnings coverage of net charge-offs (x) | 26.3231% | 1,467 |
| Efficiency ratio | 60.6259% | 5,126 |
| Assets per employee ($millions) | 4.3950% | 3,200 |
| Cash dividends to net income (ytd only)* | 60.2312% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 1,170 |
| Loan loss allowance to noncurrent loans | 258.2022% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 4,673 |
| Noncurrent loans to loans | 0.7617% | 3,417 |
| Net loans and leases to total assets | 43.4389% | 5,502 |
| Net loans and leases to deposits | 49.8381% | 5,584 |
| Net loans and leases to core deposits | 50.8515% | 5,674 |
| Total domestic deposits to total assets | 87.1600% | 2,185 |
| Equity capital to assets | 9.2120% | 5,055 |
| Core capital (leverage) ratio | 9.0077% | 4,993 |
| Tier 1 risk-based capital ratio | 18.4623% | 1,998 |
| Total risk-based capital ratio | 19.7185% | 1,970 |
| Memoranda: | ||
| Average total assets | $257,919,400 | 2,454 |
| Average earning assets | $248,827,800 | 2,353 |
| Average equity | $23,587,600 | 2,787 |
| Average total loans | $115,790,800 | 3,113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 5,001 |
| Cost of funding earning assets | 0.4828% | 2,927 |
| Net interest margin | 3.1668% | 5,070 |
| Noninterest income to average assets | 0.3192% | 4,879 |
| Noninterest expense to average assets | 2.0997% | 5,572 |
| Loan and lease loss provision to assets | 0.1050% | 2,286 |
| Net operating income to assets | 1.1697% | 1,796 |
| Return on assets (ROA) | 1.1697% | 1,867 |
| Pretax return on assets | 1.1697% | 2,913 |
| Return on Equity (ROE) | 12.8139% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.9252% | 1,853 |
| Net charge-offs to loans | 0.2320% | 1,657 |
| Credit loss provision to net charge-offs | 100.4975% | 2,195 |
| Earnings coverage of net charge-offs (x) | 12.1991% | 2,343 |
| Efficiency ratio | 62.2246% | 4,855 |
| Assets per employee ($millions) | 4.3339% | 3,244 |
| Cash dividends to net income (ytd only)* | 45.9554% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 1,501 |
| Loan loss allowance to noncurrent loans | 234.9628% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,814 |
| Noncurrent loans to loans | 0.8006% | 3,582 |
| Net loans and leases to total assets | 44.3485% | 5,499 |
| Net loans and leases to deposits | 50.9749% | 5,586 |
| Net loans and leases to core deposits | 52.0275% | 5,684 |
| Total domestic deposits to total assets | 87.0006% | 2,324 |
| Equity capital to assets | 9.2368% | 5,103 |
| Core capital (leverage) ratio | 9.1719% | 4,821 |
| Tier 1 risk-based capital ratio | 18.2918% | 2,116 |
| Total risk-based capital ratio | 19.5473% | 2,079 |
| Memoranda: | ||
| Average total assets | $256,474,500 | 2,485 |
| Average earning assets | $247,437,000 | 2,385 |
| Average equity | $23,411,500 | 2,817 |
| Average total loans | $115,527,000 | 3,141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6353% | 5,053 |
| Cost of funding earning assets | 0.4912% | 2,917 |
| Net interest margin | 3.1441% | 5,108 |
| Noninterest income to average assets | 0.3126% | 4,919 |
| Noninterest expense to average assets | 2.0628% | 5,704 |
| Loan and lease loss provision to assets | 0.0721% | 2,831 |
| Net operating income to assets | 1.2065% | 1,567 |
| Return on assets (ROA) | 1.2065% | 1,630 |
| Pretax return on assets | 1.2065% | 2,644 |
| Return on Equity (ROE) | 13.2707% | 1,106 |
| Retained earnings to average equity (ytd only) | 7.3247% | 1,601 |
| Net charge-offs to loans | 0.1497% | 2,190 |
| Credit loss provision to net charge-offs | 106.9767% | 1,872 |
| Earnings coverage of net charge-offs (x) | 18.9767% | 1,649 |
| Efficiency ratio | 61.7351% | 5,046 |
| Assets per employee ($millions) | 4.2635% | 3,348 |
| Cash dividends to net income (ytd only)* | 44.8052% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 1,482 |
| Loan loss allowance to noncurrent loans | 222.4900% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 4,801 |
| Noncurrent loans to loans | 0.8715% | 3,524 |
| Net loans and leases to total assets | 43.8077% | 5,549 |
| Net loans and leases to deposits | 50.4118% | 5,610 |
| Net loans and leases to core deposits | 51.5960% | 5,687 |
| Total domestic deposits to total assets | 86.8997% | 2,512 |
| Equity capital to assets | 9.3096% | 4,973 |
| Core capital (leverage) ratio | 9.0713% | 4,907 |
| Tier 1 risk-based capital ratio | 18.5336% | 2,053 |
| Total risk-based capital ratio | 19.7898% | 2,009 |
| Memoranda: | ||
| Average total assets | $255,287,330 | 2,501 |
| Average earning assets | $245,923,670 | 2,388 |
| Average equity | $23,209,000 | 2,827 |
| Average total loans | $114,858,330 | 3,156 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 5,007 |
| Cost of funding earning assets | 0.4940% | 2,967 |
| Net interest margin | 3.1548% | 5,074 |
| Noninterest income to average assets | 0.3309% | 4,726 |
| Noninterest expense to average assets | 2.0688% | 5,745 |
| Loan and lease loss provision to assets | 0.0674% | 2,778 |
| Net operating income to assets | 1.2297% | 1,399 |
| Return on assets (ROA) | 1.2297% | 1,453 |
| Pretax return on assets | 1.2297% | 2,351 |
| Return on Equity (ROE) | 13.6907% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.6661% | 1,741 |
| Net charge-offs to loans | 0.1876% | 1,603 |
| Credit loss provision to net charge-offs | 79.6296% | 1,903 |
| Earnings coverage of net charge-offs (x) | 15.3148% | 1,553 |
| Efficiency ratio | 61.4632% | 5,206 |
| Assets per employee ($millions) | 4.1944% | 3,537 |
| Cash dividends to net income (ytd only)* | 44.0051% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 1,704 |
| Loan loss allowance to noncurrent loans | 227.8756% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 4,849 |
| Noncurrent loans to loans | 0.8409% | 3,786 |
| Net loans and leases to total assets | 44.7267% | 5,447 |
| Net loans and leases to deposits | 51.5342% | 5,483 |
| Net loans and leases to core deposits | 52.7653% | 5,575 |
| Total domestic deposits to total assets | 86.7904% | 2,943 |
| Equity capital to assets | 9.1943% | 4,880 |
| Core capital (leverage) ratio | 9.0022% | 5,006 |
| Tier 1 risk-based capital ratio | 18.1982% | 2,207 |
| Total risk-based capital ratio | 19.4545% | 2,176 |
| Memoranda: | ||
| Average total assets | $255,025,500 | 2,502 |
| Average earning assets | $245,337,500 | 2,394 |
| Average equity | $22,906,000 | 2,856 |
| Average total loans | $115,147,000 | 3,170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 5,300 |
| Cost of funding earning assets | 0.5425% | 3,175 |
| Net interest margin | 3.0992% | 5,318 |
| Noninterest income to average assets | 0.2742% | 5,392 |
| Noninterest expense to average assets | 2.0377% | 5,950 |
| Loan and lease loss provision to assets | 0.0622% | 3,895 |
| Net operating income to assets | 1.1536% | 1,746 |
| Return on assets (ROA) | 1.1575% | 1,787 |
| Pretax return on assets | 1.1571% | 2,741 |
| Return on Equity (ROE) | 12.6484% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.3947% | 3,048 |
| Net charge-offs to loans | 0.1553% | 3,254 |
| Credit loss provision to net charge-offs | 90.1734% | 2,750 |
| Earnings coverage of net charge-offs (x) | 17.6243% | 1,703 |
| Efficiency ratio | 62.6394% | 5,110 |
| Assets per employee ($millions) | 4.3064% | 3,255 |
| Cash dividends to net income (ytd only)* | 65.2548% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 1,757 |
| Loan loss allowance to noncurrent loans | 225.2803% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 4,967 |
| Noncurrent loans to loans | 0.8491% | 3,854 |
| Net loans and leases to total assets | 43.8582% | 5,683 |
| Net loans and leases to deposits | 50.2303% | 5,751 |
| Net loans and leases to core deposits | 51.3317% | 5,850 |
| Total domestic deposits to total assets | 87.3143% | 2,572 |
| Equity capital to assets | 8.7749% | 5,283 |
| Core capital (leverage) ratio | 8.7778% | 5,316 |
| Tier 1 risk-based capital ratio | 17.7824% | 2,314 |
| Total risk-based capital ratio | 19.0386% | 2,283 |
| Memoranda: | ||
| Average total assets | $250,877,000 | 2,523 |
| Average earning assets | $241,123,200 | 2,414 |
| Average equity | $22,959,400 | 2,827 |
| Average total loans | $111,417,200 | 3,222 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 5,371 |
| Cost of funding earning assets | 0.5530% | 3,233 |
| Net interest margin | 3.0721% | 5,395 |
| Noninterest income to average assets | 0.2726% | 5,494 |
| Noninterest expense to average assets | 2.0535% | 5,918 |
| Loan and lease loss provision to assets | 0.0755% | 3,550 |
| Net operating income to assets | 1.0961% | 2,021 |
| Return on assets (ROA) | 1.0961% | 2,094 |
| Pretax return on assets | 1.0977% | 3,125 |
| Return on Equity (ROE) | 11.8504% | 1,522 |
| Retained earnings to average equity (ytd only) | 5.8702% | 2,495 |
| Net charge-offs to loans | 0.1304% | 3,228 |
| Credit loss provision to net charge-offs | 130.5556% | 1,808 |
| Earnings coverage of net charge-offs (x) | 20.2865% | 1,596 |
| Efficiency ratio | 63.6409% | 4,861 |
| Assets per employee ($millions) | 4.1755% | 3,476 |
| Cash dividends to net income (ytd only)* | 50.4640% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 1,831 |
| Loan loss allowance to noncurrent loans | 236.6492% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 5,152 |
| Noncurrent loans to loans | 0.8274% | 4,179 |
| Net loans and leases to total assets | 45.1668% | 5,617 |
| Net loans and leases to deposits | 51.8277% | 5,721 |
| Net loans and leases to core deposits | 53.0015% | 5,830 |
| Total domestic deposits to total assets | 87.1479% | 2,603 |
| Equity capital to assets | 9.0545% | 5,117 |
| Core capital (leverage) ratio | 8.9607% | 5,181 |
| Tier 1 risk-based capital ratio | 17.6766% | 2,448 |
| Total risk-based capital ratio | 18.9328% | 2,412 |
| Memoranda: | ||
| Average total assets | $249,000,000 | 2,555 |
| Average earning assets | $239,435,750 | 2,442 |
| Average equity | $23,031,000 | 2,849 |
| Average total loans | $110,388,250 | 3,259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 5,308 |
| Cost of funding earning assets | 0.5591% | 3,327 |
| Net interest margin | 3.0857% | 5,313 |
| Noninterest income to average assets | 0.2849% | 5,411 |
| Noninterest expense to average assets | 2.0266% | 5,998 |
| Loan and lease loss provision to assets | 0.0765% | 3,523 |
| Net operating income to assets | 1.1477% | 1,755 |
| Return on assets (ROA) | 1.1477% | 1,873 |
| Pretax return on assets | 1.1493% | 2,886 |
| Return on Equity (ROE) | 12.3214% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.3681% | 2,219 |
| Net charge-offs to loans | 0.1950% | 2,591 |
| Credit loss provision to net charge-offs | 89.6226% | 2,453 |
| Earnings coverage of net charge-offs (x) | 14.3679% | 1,828 |
| Efficiency ratio | 62.3113% | 5,125 |
| Assets per employee ($millions) | 4.1032% | 3,576 |
| Cash dividends to net income (ytd only)* | 48.3170% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 1,801 |
| Loan loss allowance to noncurrent loans | 272.5707% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 5,340 |
| Noncurrent loans to loans | 0.7420% | 4,441 |
| Net loans and leases to total assets | 43.6030% | 5,776 |
| Net loans and leases to deposits | 50.1511% | 5,830 |
| Net loans and leases to core deposits | 51.3792% | 5,930 |
| Total domestic deposits to total assets | 86.9432% | 2,852 |
| Equity capital to assets | 9.2801% | 4,886 |
| Core capital (leverage) ratio | 8.9446% | 5,081 |
| Tier 1 risk-based capital ratio | 18.3859% | 2,179 |
| Total risk-based capital ratio | 19.6427% | 2,142 |
| Memoranda: | ||
| Average total assets | $248,491,000 | 2,569 |
| Average earning assets | $238,971,330 | 2,456 |
| Average equity | $23,146,670 | 2,849 |
| Average total loans | $108,712,670 | 3,307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 5,256 |
| Cost of funding earning assets | 0.5629% | 3,455 |
| Net interest margin | 3.1053% | 5,242 |
| Noninterest income to average assets | 0.2692% | 5,531 |
| Noninterest expense to average assets | 1.9981% | 6,109 |
| Loan and lease loss provision to assets | 0.1025% | 2,964 |
| Net operating income to assets | 1.1457% | 1,697 |
| Return on assets (ROA) | 1.1457% | 1,805 |
| Pretax return on assets | 1.1473% | 2,777 |
| Return on Equity (ROE) | 12.2765% | 1,355 |
| Retained earnings to average equity (ytd only) | 6.3701% | 2,472 |
| Net charge-offs to loans | 0.0554% | 3,275 |
| Credit loss provision to net charge-offs | 426.6667% | 609 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 655 |
| Efficiency ratio | 61.5195% | 5,370 |
| Assets per employee ($millions) | 4.1593% | 3,613 |
| Cash dividends to net income (ytd only)* | 48.1119% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 1,799 |
| Loan loss allowance to noncurrent loans | 151.9359% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 4,820 |
| Noncurrent loans to loans | 1.3813% | 3,493 |
| Net loans and leases to total assets | 42.5442% | 5,805 |
| Net loans and leases to deposits | 49.0801% | 5,849 |
| Net loans and leases to core deposits | 50.2673% | 5,958 |
| Total domestic deposits to total assets | 86.6832% | 3,138 |
| Equity capital to assets | 9.4019% | 4,999 |
| Core capital (leverage) ratio | 8.8906% | 5,069 |
| Tier 1 risk-based capital ratio | 18.0539% | 2,338 |
| Total risk-based capital ratio | 19.3120% | 2,299 |
| Memoranda: | ||
| Average total assets | $249,639,500 | 2,585 |
| Average earning assets | $239,464,500 | 2,476 |
| Average equity | $23,296,500 | 2,883 |
| Average total loans | $108,287,000 | 3,327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 5,224 |
| Cost of funding earning assets | 0.7344% | 3,213 |
| Net interest margin | 3.2906% | 5,272 |
| Noninterest income to average assets | 0.2862% | 5,427 |
| Noninterest expense to average assets | 2.0740% | 6,181 |
| Loan and lease loss provision to assets | 0.0928% | 4,512 |
| Net operating income to assets | 1.2710% | 1,393 |
| Return on assets (ROA) | 1.2710% | 1,545 |
| Pretax return on assets | 1.2722% | 2,512 |
| Return on Equity (ROE) | 13.2887% | 1,160 |
| Retained earnings to average equity (ytd only) | 4.3516% | 3,166 |
| Net charge-offs to loans | 0.1675% | 4,040 |
| Credit loss provision to net charge-offs | 128.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 18.8343% | 1,421 |
| Efficiency ratio | 60.3083% | 5,498 |
| Assets per employee ($millions) | 4.1620% | 3,631 |
| Cash dividends to net income (ytd only)* | 67.2532% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0596% | 1,862 |
| Loan loss allowance to noncurrent loans | 154.7603% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 4,928 |
| Noncurrent loans to loans | 1.3309% | 3,615 |
| Net loans and leases to total assets | 42.4068% | 5,956 |
| Net loans and leases to deposits | 48.8007% | 6,052 |
| Net loans and leases to core deposits | 50.0083% | 6,147 |
| Total domestic deposits to total assets | 86.8978% | 2,890 |
| Equity capital to assets | 9.2623% | 5,192 |
| Core capital (leverage) ratio | 8.6199% | 5,437 |
| Tier 1 risk-based capital ratio | 17.6860% | 2,387 |
| Total risk-based capital ratio | 18.9429% | 2,345 |
| Memoranda: | ||
| Average total assets | $241,463,000 | 2,620 |
| Average earning assets | $231,353,800 | 2,490 |
| Average equity | $23,094,800 | 2,841 |
| Average total loans | $104,505,600 | 3,410 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 5,285 |
| Cost of funding earning assets | 0.7692% | 3,199 |
| Net interest margin | 3.3039% | 5,382 |
| Noninterest income to average assets | 0.2952% | 5,411 |
| Noninterest expense to average assets | 2.0729% | 6,218 |
| Loan and lease loss provision to assets | 0.0746% | 4,726 |
| Net operating income to assets | 1.3138% | 1,408 |
| Return on assets (ROA) | 1.3138% | 1,548 |
| Pretax return on assets | 1.3149% | 2,539 |
| Return on Equity (ROE) | 13.6241% | 1,193 |
| Retained earnings to average equity (ytd only) | 8.2010% | 1,530 |
| Net charge-offs to loans | -0.0399% | 6,650 |
| Credit loss provision to net charge-offs | -432.2581% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8681% | 5,524 |
| Assets per employee ($millions) | 4.0787% | 3,721 |
| Cash dividends to net income (ytd only)* | 39.8051% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2269% | 1,657 |
| Loan loss allowance to noncurrent loans | 125.6300% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 4,631 |
| Noncurrent loans to loans | 1.7726% | 3,122 |
| Net loans and leases to total assets | 42.0351% | 6,129 |
| Net loans and leases to deposits | 48.7771% | 6,206 |
| Net loans and leases to core deposits | 50.0482% | 6,279 |
| Total domestic deposits to total assets | 86.1779% | 3,159 |
| Equity capital to assets | 9.7518% | 4,848 |
| Core capital (leverage) ratio | 9.0319% | 5,014 |
| Tier 1 risk-based capital ratio | 18.3636% | 2,210 |
| Total risk-based capital ratio | 19.6221% | 2,180 |
| Memoranda: | ||
| Average total assets | $239,398,250 | 2,660 |
| Average earning assets | $229,500,250 | 2,533 |
| Average equity | $23,086,000 | 2,869 |
| Average total loans | $103,600,500 | 3,471 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 5,271 |
| Cost of funding earning assets | 0.8007% | 3,186 |
| Net interest margin | 3.3121% | 5,409 |
| Noninterest income to average assets | 0.2761% | 5,599 |
| Noninterest expense to average assets | 2.0772% | 6,267 |
| Loan and lease loss provision to assets | 0.1212% | 4,013 |
| Net operating income to assets | 1.2448% | 1,575 |
| Return on assets (ROA) | 1.2448% | 1,756 |
| Pretax return on assets | 1.2457% | 2,743 |
| Return on Equity (ROE) | 12.9587% | 1,373 |
| Retained earnings to average equity (ytd only) | 7.4738% | 1,888 |
| Net charge-offs to loans | -0.0252% | 6,482 |
| Credit loss provision to net charge-offs | -1,107.6923% | 6,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3128% | 5,525 |
| Assets per employee ($millions) | 4.0185% | 3,831 |
| Cash dividends to net income (ytd only)* | 42.3259% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2264% | 1,713 |
| Loan loss allowance to noncurrent loans | 115.1381% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 4,583 |
| Noncurrent loans to loans | 1.9337% | 3,019 |
| Net loans and leases to total assets | 42.5296% | 6,150 |
| Net loans and leases to deposits | 49.3674% | 6,212 |
| Net loans and leases to core deposits | 50.6680% | 6,312 |
| Total domestic deposits to total assets | 86.1491% | 3,284 |
| Equity capital to assets | 9.6056% | 4,908 |
| Core capital (leverage) ratio | 8.9376% | 4,999 |
| Tier 1 risk-based capital ratio | 18.1112% | 2,263 |
| Total risk-based capital ratio | 19.3702% | 2,229 |
| Memoranda: | ||
| Average total assets | $237,623,000 | 2,685 |
| Average earning assets | $227,287,000 | 2,555 |
| Average equity | $22,826,330 | 2,875 |
| Average total loans | $103,063,000 | 3,497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 5,256 |
| Cost of funding earning assets | 0.8288% | 3,243 |
| Net interest margin | 3.3278% | 5,377 |
| Noninterest income to average assets | 0.2747% | 5,674 |
| Noninterest expense to average assets | 2.0756% | 6,321 |
| Loan and lease loss provision to assets | 0.1221% | 3,817 |
| Net operating income to assets | 1.2617% | 1,564 |
| Return on assets (ROA) | 1.2617% | 1,737 |
| Pretax return on assets | 1.2634% | 2,682 |
| Return on Equity (ROE) | 13.1336% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.6083% | 2,122 |
| Net charge-offs to loans | -0.0548% | 6,566 |
| Credit loss provision to net charge-offs | -514.2857% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9706% | 5,615 |
| Assets per employee ($millions) | 3.9530% | 4,108 |
| Cash dividends to net income (ytd only)* | 42.0699% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2139% | 1,855 |
| Loan loss allowance to noncurrent loans | 115.3337% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 4,786 |
| Noncurrent loans to loans | 1.9196% | 3,263 |
| Net loans and leases to total assets | 42.1615% | 6,178 |
| Net loans and leases to deposits | 49.0848% | 6,213 |
| Net loans and leases to core deposits | 50.3378% | 6,318 |
| Total domestic deposits to total assets | 85.8952% | 3,594 |
| Equity capital to assets | 9.6104% | 4,634 |
| Core capital (leverage) ratio | 8.9335% | 4,939 |
| Tier 1 risk-based capital ratio | 18.1504% | 2,239 |
| Total risk-based capital ratio | 19.4089% | 2,211 |
| Memoranda: | ||
| Average total assets | $235,879,500 | 2,714 |
| Average earning assets | $225,855,500 | 2,587 |
| Average equity | $22,659,500 | 2,888 |
| Average total loans | $102,155,500 | 3,536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 5,324 |
| Cost of funding earning assets | 0.9618% | 3,629 |
| Net interest margin | 3.4648% | 5,269 |
| Noninterest income to average assets | 0.2818% | 5,515 |
| Noninterest expense to average assets | 2.2389% | 6,188 |
| Loan and lease loss provision to assets | 0.0985% | 5,359 |
| Net operating income to assets | 1.2461% | 1,391 |
| Return on assets (ROA) | 1.2461% | 1,490 |
| Pretax return on assets | 1.2470% | 2,306 |
| Return on Equity (ROE) | 12.6575% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.9304% | 3,407 |
| Net charge-offs to loans | 0.3338% | 3,727 |
| Credit loss provision to net charge-offs | 66.0767% | 4,992 |
| Earnings coverage of net charge-offs (x) | 9.0265% | 2,049 |
| Efficiency ratio | 62.4632% | 5,384 |
| Assets per employee ($millions) | 3.9096% | 4,050 |
| Cash dividends to net income (ytd only)* | 68.9485% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,921 |
| Loan loss allowance to noncurrent loans | 113.7931% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 4,912 |
| Noncurrent loans to loans | 1.8756% | 3,372 |
| Net loans and leases to total assets | 42.5743% | 6,332 |
| Net loans and leases to deposits | 49.5124% | 6,396 |
| Net loans and leases to core deposits | 50.7864% | 6,486 |
| Total domestic deposits to total assets | 85.9872% | 3,331 |
| Equity capital to assets | 9.6023% | 4,743 |
| Core capital (leverage) ratio | 8.6797% | 5,282 |
| Tier 1 risk-based capital ratio | 17.7746% | 2,269 |
| Total risk-based capital ratio | 19.0328% | 2,243 |
| Memoranda: | ||
| Average total assets | $227,431,400 | 2,757 |
| Average earning assets | $216,777,400 | 2,646 |
| Average equity | $22,389,800 | 2,848 |
| Average total loans | $101,547,600 | 3,581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 5,385 |
| Cost of funding earning assets | 0.9834% | 3,796 |
| Net interest margin | 3.4770% | 5,286 |
| Noninterest income to average assets | 0.2399% | 5,907 |
| Noninterest expense to average assets | 2.2749% | 6,103 |
| Loan and lease loss provision to assets | 0.0821% | 5,414 |
| Net operating income to assets | 1.1918% | 1,674 |
| Return on assets (ROA) | 1.1918% | 1,791 |
| Pretax return on assets | 1.1942% | 2,654 |
| Return on Equity (ROE) | 12.0293% | 1,543 |
| Retained earnings to average equity (ytd only) | 6.4351% | 2,269 |
| Net charge-offs to loans | 0.3970% | 3,124 |
| Credit loss provision to net charge-offs | 46.0265% | 5,120 |
| Earnings coverage of net charge-offs (x) | 7.1523% | 2,413 |
| Efficiency ratio | 64.0599% | 5,059 |
| Assets per employee ($millions) | 3.9312% | 4,001 |
| Cash dividends to net income (ytd only)* | 46.5048% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0973% | 2,070 |
| Loan loss allowance to noncurrent loans | 105.3412% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 4,340 |
| Noncurrent loans to loans | 1.9910% | 3,380 |
| Net loans and leases to total assets | 42.1540% | 6,493 |
| Net loans and leases to deposits | 49.1000% | 6,560 |
| Net loans and leases to core deposits | 50.3555% | 6,653 |
| Total domestic deposits to total assets | 85.8533% | 3,303 |
| Equity capital to assets | 9.7748% | 4,662 |
| Core capital (leverage) ratio | 8.9880% | 4,952 |
| Tier 1 risk-based capital ratio | 18.2549% | 2,171 |
| Total risk-based capital ratio | 19.5126% | 2,133 |
| Memoranda: | ||
| Average total assets | $225,644,750 | 2,785 |
| Average earning assets | $214,892,500 | 2,684 |
| Average equity | $22,356,000 | 2,850 |
| Average total loans | $101,422,500 | 3,609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 5,258 |
| Cost of funding earning assets | 1.0031% | 3,925 |
| Net interest margin | 3.5273% | 5,028 |
| Noninterest income to average assets | 0.2331% | 5,974 |
| Noninterest expense to average assets | 2.3291% | 6,051 |
| Loan and lease loss provision to assets | 0.0459% | 5,735 |
| Net operating income to assets | 1.2131% | 1,533 |
| Return on assets (ROA) | 1.2131% | 1,615 |
| Pretax return on assets | 1.2158% | 2,417 |
| Return on Equity (ROE) | 12.1866% | 1,440 |
| Retained earnings to average equity (ytd only) | 6.5363% | 2,119 |
| Net charge-offs to loans | 0.5287% | 2,509 |
| Credit loss provision to net charge-offs | 19.0299% | 5,146 |
| Earnings coverage of net charge-offs (x) | 5.2313% | 2,659 |
| Efficiency ratio | 64.8622% | 5,081 |
| Assets per employee ($millions) | 3.7085% | 4,420 |
| Cash dividends to net income (ytd only)* | 46.3650% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 2,208 |
| Loan loss allowance to noncurrent loans | 109.2057% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,388 |
| Noncurrent loans to loans | 1.8871% | 3,623 |
| Net loans and leases to total assets | 44.3385% | 6,411 |
| Net loans and leases to deposits | 51.9395% | 6,475 |
| Net loans and leases to core deposits | 53.3560% | 6,599 |
| Total domestic deposits to total assets | 85.3657% | 3,689 |
| Equity capital to assets | 10.1469% | 3,955 |
| Core capital (leverage) ratio | 9.0784% | 4,608 |
| Tier 1 risk-based capital ratio | 17.9418% | 2,197 |
| Total risk-based capital ratio | 19.1988% | 2,140 |
| Memoranda: | ||
| Average total assets | $222,236,000 | 2,835 |
| Average earning assets | $211,547,670 | 2,738 |
| Average equity | $22,122,670 | 2,862 |
| Average total loans | $101,377,000 | 3,648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 5,296 |
| Cost of funding earning assets | 1.0146% | 4,091 |
| Net interest margin | 3.4981% | 5,024 |
| Noninterest income to average assets | 0.3368% | 5,213 |
| Noninterest expense to average assets | 2.3431% | 6,073 |
| Loan and lease loss provision to assets | 0.1333% | 4,338 |
| Net operating income to assets | 1.1869% | 1,557 |
| Return on assets (ROA) | 1.1869% | 1,606 |
| Pretax return on assets | 1.1887% | 2,421 |
| Return on Equity (ROE) | 12.0393% | 1,454 |
| Retained earnings to average equity (ytd only) | 6.3393% | 2,448 |
| Net charge-offs to loans | 0.8732% | 1,516 |
| Credit loss provision to net charge-offs | 33.3333% | 4,063 |
| Earnings coverage of net charge-offs (x) | 3.3063% | 2,782 |
| Efficiency ratio | 63.9312% | 5,373 |
| Assets per employee ($millions) | 3.6945% | 4,553 |
| Cash dividends to net income (ytd only)* | 47.3445% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 2,152 |
| Loan loss allowance to noncurrent loans | 96.5347% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4346% | 4,117 |
| Noncurrent loans to loans | 2.1911% | 3,329 |
| Net loans and leases to total assets | 44.7812% | 6,399 |
| Net loans and leases to deposits | 52.5564% | 6,434 |
| Net loans and leases to core deposits | 54.0779% | 6,551 |
| Total domestic deposits to total assets | 85.2060% | 3,944 |
| Equity capital to assets | 9.9661% | 3,819 |
| Core capital (leverage) ratio | 9.0451% | 4,545 |
| Tier 1 risk-based capital ratio | 17.6101% | 2,243 |
| Total risk-based capital ratio | 18.8680% | 2,213 |
| Memoranda: | ||
| Average total assets | $222,098,500 | 2,860 |
| Average earning assets | $211,317,000 | 2,765 |
| Average equity | $21,895,000 | 2,879 |
| Average total loans | $101,698,500 | 3,678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 5,350 |
| Cost of funding earning assets | 1.2280% | 4,368 |
| Net interest margin | 3.5912% | 4,862 |
| Noninterest income to average assets | 0.3494% | 5,304 |
| Noninterest expense to average assets | 2.2916% | 6,380 |
| Loan and lease loss provision to assets | 0.2326% | 4,953 |
| Net operating income to assets | 1.2217% | 1,366 |
| Return on assets (ROA) | 1.2244% | 1,433 |
| Pretax return on assets | 1.2267% | 2,150 |
| Return on Equity (ROE) | 12.3611% | 1,244 |
| Retained earnings to average equity (ytd only) | 4.1097% | 2,977 |
| Net charge-offs to loans | 0.1112% | 5,765 |
| Credit loss provision to net charge-offs | 453.0973% | 508 |
| Earnings coverage of net charge-offs (x) | 28.3717% | 766 |
| Efficiency ratio | 61.1394% | 5,869 |
| Assets per employee ($millions) | 3.6480% | 4,587 |
| Cash dividends to net income (ytd only)* | 66.7532% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2484% | 1,779 |
| Loan loss allowance to noncurrent loans | 97.6576% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 4,131 |
| Noncurrent loans to loans | 2.3023% | 3,219 |
| Net loans and leases to total assets | 44.8002% | 6,653 |
| Net loans and leases to deposits | 52.2977% | 6,725 |
| Net loans and leases to core deposits | 53.7374% | 6,827 |
| Total domestic deposits to total assets | 85.6637% | 3,518 |
| Equity capital to assets | 9.7508% | 4,052 |
| Core capital (leverage) ratio | 8.6292% | 5,141 |
| Tier 1 risk-based capital ratio | 17.4344% | 2,196 |
| Total risk-based capital ratio | 18.6946% | 2,162 |
| Memoranda: | ||
| Average total assets | $220,111,600 | 2,865 |
| Average earning assets | $208,312,200 | 2,773 |
| Average equity | $21,802,200 | 2,902 |
| Average total loans | $101,653,000 | 3,748 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 5,461 |
| Cost of funding earning assets | 1.2650% | 4,461 |
| Net interest margin | 3.5876% | 4,935 |
| Noninterest income to average assets | 0.3292% | 5,525 |
| Noninterest expense to average assets | 2.2614% | 6,434 |
| Loan and lease loss provision to assets | 0.2126% | 4,938 |
| Net operating income to assets | 1.2458% | 1,474 |
| Return on assets (ROA) | 1.2494% | 1,547 |
| Pretax return on assets | 1.2506% | 2,329 |
| Return on Equity (ROE) | 12.5645% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.8228% | 1,932 |
| Net charge-offs to loans | 0.1286% | 5,261 |
| Credit loss provision to net charge-offs | 357.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 24.5210% | 1,026 |
| Efficiency ratio | 60.7738% | 5,827 |
| Assets per employee ($millions) | 3.7315% | 4,431 |
| Cash dividends to net income (ytd only)* | 45.6975% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 2,105 |
| Loan loss allowance to noncurrent loans | 129.5112% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 4,857 |
| Noncurrent loans to loans | 1.5811% | 4,272 |
| Net loans and leases to total assets | 45.0984% | 6,765 |
| Net loans and leases to deposits | 52.5999% | 6,861 |
| Net loans and leases to core deposits | 54.3448% | 6,940 |
| Total domestic deposits to total assets | 85.7385% | 3,224 |
| Equity capital to assets | 9.9442% | 4,227 |
| Core capital (leverage) ratio | 8.8794% | 4,878 |
| Tier 1 risk-based capital ratio | 16.8233% | 2,402 |
| Total risk-based capital ratio | 18.0801% | 2,361 |
| Memoranda: | ||
| Average total assets | $219,508,000 | 2,925 |
| Average earning assets | $207,525,250 | 2,817 |
| Average equity | $21,828,250 | 2,939 |
| Average total loans | $101,570,000 | 3,813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 5,450 |
| Cost of funding earning assets | 1.3098% | 4,478 |
| Net interest margin | 3.5772% | 4,913 |
| Noninterest income to average assets | 0.3136% | 5,654 |
| Noninterest expense to average assets | 2.2490% | 6,507 |
| Loan and lease loss provision to assets | 0.1744% | 5,122 |
| Net operating income to assets | 1.2693% | 1,382 |
| Return on assets (ROA) | 1.2749% | 1,432 |
| Pretax return on assets | 1.2767% | 2,166 |
| Return on Equity (ROE) | 12.8204% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.0039% | 1,827 |
| Net charge-offs to loans | 0.0796% | 5,342 |
| Credit loss provision to net charge-offs | 472.5000% | 782 |
| Earnings coverage of net charge-offs (x) | 39.1750% | 742 |
| Efficiency ratio | 60.8739% | 5,880 |
| Assets per employee ($millions) | 3.6638% | 4,563 |
| Cash dividends to net income (ytd only)* | 45.3690% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 2,201 |
| Loan loss allowance to noncurrent loans | 123.0723% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,811 |
| Noncurrent loans to loans | 1.6200% | 4,277 |
| Net loans and leases to total assets | 44.9347% | 6,858 |
| Net loans and leases to deposits | 52.4317% | 6,955 |
| Net loans and leases to core deposits | 54.4669% | 7,015 |
| Total domestic deposits to total assets | 85.7014% | 3,262 |
| Equity capital to assets | 9.8510% | 4,201 |
| Core capital (leverage) ratio | 8.8478% | 4,839 |
| Tier 1 risk-based capital ratio | 16.9465% | 2,301 |
| Total risk-based capital ratio | 18.2029% | 2,254 |
| Memoranda: | ||
| Average total assets | $216,804,000 | 2,973 |
| Average earning assets | $204,911,670 | 2,878 |
| Average equity | $21,559,330 | 2,971 |
| Average total loans | $100,493,670 | 3,879 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 5,214 |
| Cost of funding earning assets | 1.3434% | 4,540 |
| Net interest margin | 3.6121% | 4,674 |
| Noninterest income to average assets | 0.3167% | 5,615 |
| Noninterest expense to average assets | 2.2318% | 6,604 |
| Loan and lease loss provision to assets | 0.1780% | 4,744 |
| Net operating income to assets | 1.3211% | 1,253 |
| Return on assets (ROA) | 1.3211% | 1,324 |
| Pretax return on assets | 1.3230% | 1,992 |
| Return on Equity (ROE) | 13.2202% | 1,211 |
| Retained earnings to average equity (ytd only) | 7.3508% | 1,994 |
| Net charge-offs to loans | 0.1889% | 3,789 |
| Credit loss provision to net charge-offs | 202.1277% | 1,834 |
| Earnings coverage of net charge-offs (x) | 17.0426% | 1,307 |
| Efficiency ratio | 59.7892% | 6,216 |
| Assets per employee ($millions) | 3.5025% | 5,020 |
| Cash dividends to net income (ytd only)* | 44.3972% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 2,364 |
| Loan loss allowance to noncurrent loans | 102.6427% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0108% | 5,130 |
| Noncurrent loans to loans | 1.8794% | 3,952 |
| Net loans and leases to total assets | 45.4640% | 6,874 |
| Net loans and leases to deposits | 53.3026% | 6,964 |
| Net loans and leases to core deposits | 55.2808% | 7,028 |
| Total domestic deposits to total assets | 85.2943% | 3,510 |
| Equity capital to assets | 9.9271% | 3,949 |
| Core capital (leverage) ratio | 8.9834% | 4,597 |
| Tier 1 risk-based capital ratio | 17.0066% | 2,266 |
| Total risk-based capital ratio | 18.2629% | 2,216 |
| Memoranda: | ||
| Average total assets | $213,460,500 | 3,063 |
| Average earning assets | $201,875,500 | 2,965 |
| Average equity | $21,331,000 | 3,026 |
| Average total loans | $99,506,500 | 3,972 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4855% | 4,223 |
| Cost of funding earning assets | 1.8200% | 3,883 |
| Net interest margin | 3.6655% | 4,281 |
| Noninterest income to average assets | 0.3300% | 5,724 |
| Noninterest expense to average assets | 2.4346% | 6,354 |
| Loan and lease loss provision to assets | 0.2525% | 5,376 |
| Net operating income to assets | 1.1152% | 1,473 |
| Return on assets (ROA) | 1.1152% | 1,507 |
| Pretax return on assets | 1.1167% | 2,198 |
| Return on Equity (ROE) | 10.7521% | 1,487 |
| Retained earnings to average equity (ytd only) | 3.1573% | 2,950 |
| Net charge-offs to loans | 0.1260% | 5,933 |
| Credit loss provision to net charge-offs | 398.4127% | 797 |
| Earnings coverage of net charge-offs (x) | 21.6032% | 994 |
| Efficiency ratio | 64.0042% | 5,778 |
| Assets per employee ($millions) | 3.4388% | 5,159 |
| Cash dividends to net income (ytd only)* | 70.6360% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 2,203 |
| Loan loss allowance to noncurrent loans | 99.6842% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 5,101 |
| Noncurrent loans to loans | 1.9320% | 3,754 |
| Net loans and leases to total assets | 45.9796% | 6,977 |
| Net loans and leases to deposits | 54.1404% | 7,041 |
| Net loans and leases to core deposits | 62.1861% | 7,184 |
| Total domestic deposits to total assets | 84.9266% | 3,588 |
| Equity capital to assets | 10.0612% | 3,679 |
| Core capital (leverage) ratio | 9.0091% | 4,402 |
| Tier 1 risk-based capital ratio | 17.3225% | 2,072 |
| Total risk-based capital ratio | 18.5786% | 2,034 |
| Memoranda: | ||
| Average total assets | $198,800,800 | 3,197 |
| Average earning assets | $188,406,600 | 3,108 |
| Average equity | $20,619,200 | 3,119 |
| Average total loans | $99,985,400 | 3,951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 3,982 |
| Cost of funding earning assets | 1.9205% | 3,773 |
| Net interest margin | 3.6586% | 4,240 |
| Noninterest income to average assets | 0.3468% | 5,723 |
| Noninterest expense to average assets | 2.4822% | 6,134 |
| Loan and lease loss provision to assets | 0.2407% | 5,040 |
| Net operating income to assets | 1.0976% | 1,740 |
| Return on assets (ROA) | 1.0976% | 1,798 |
| Pretax return on assets | 1.0996% | 2,572 |
| Return on Equity (ROE) | 10.4985% | 1,764 |
| Retained earnings to average equity (ytd only) | 4.3841% | 2,824 |
| Net charge-offs to loans | 0.1434% | 5,265 |
| Credit loss provision to net charge-offs | 327.7778% | 1,256 |
| Earnings coverage of net charge-offs (x) | 18.2495% | 1,358 |
| Efficiency ratio | 64.9351% | 5,562 |
| Assets per employee ($millions) | 3.3449% | 5,272 |
| Cash dividends to net income (ytd only)* | 58.2402% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 2,460 |
| Loan loss allowance to noncurrent loans | 85.9649% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 4,728 |
| Noncurrent loans to loans | 2.0279% | 3,602 |
| Net loans and leases to total assets | 48.7287% | 6,891 |
| Net loans and leases to deposits | 57.9404% | 6,967 |
| Net loans and leases to core deposits | 65.9512% | 7,161 |
| Total domestic deposits to total assets | 84.1013% | 3,678 |
| Equity capital to assets | 10.4197% | 3,595 |
| Core capital (leverage) ratio | 9.3082% | 4,178 |
| Tier 1 risk-based capital ratio | 17.0913% | 2,248 |
| Total risk-based capital ratio | 18.3456% | 2,198 |
| Memoranda: | ||
| Average total assets | $196,059,250 | 3,247 |
| Average earning assets | $186,261,750 | 3,164 |
| Average equity | $20,497,750 | 3,171 |
| Average total loans | $100,395,750 | 3,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6998% | 3,537 |
| Cost of funding earning assets | 2.0256% | 3,654 |
| Net interest margin | 3.6742% | 4,067 |
| Noninterest income to average assets | 0.3630% | 5,610 |
| Noninterest expense to average assets | 2.5636% | 5,889 |
| Loan and lease loss provision to assets | 0.2544% | 4,538 |
| Net operating income to assets | 1.0300% | 2,007 |
| Return on assets (ROA) | 1.0300% | 2,086 |
| Pretax return on assets | 1.0321% | 2,876 |
| Return on Equity (ROE) | 9.8401% | 2,074 |
| Retained earnings to average equity (ytd only) | 3.6456% | 3,272 |
| Net charge-offs to loans | 0.1538% | 4,656 |
| Credit loss provision to net charge-offs | 319.4805% | 1,460 |
| Earnings coverage of net charge-offs (x) | 16.1558% | 1,544 |
| Efficiency ratio | 66.5861% | 5,444 |
| Assets per employee ($millions) | 3.2187% | 5,541 |
| Cash dividends to net income (ytd only)* | 62.9518% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 2,344 |
| Loan loss allowance to noncurrent loans | 83.7221% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 4,653 |
| Noncurrent loans to loans | 2.0326% | 3,469 |
| Net loans and leases to total assets | 49.6315% | 6,909 |
| Net loans and leases to deposits | 59.1338% | 6,955 |
| Net loans and leases to core deposits | 67.3258% | 7,154 |
| Total domestic deposits to total assets | 83.9309% | 3,810 |
| Equity capital to assets | 10.2501% | 3,668 |
| Core capital (leverage) ratio | 9.3494% | 4,101 |
| Tier 1 risk-based capital ratio | 17.1497% | 2,253 |
| Total risk-based capital ratio | 18.4039% | 2,192 |
| Memoranda: | ||
| Average total assets | $193,400,330 | 3,301 |
| Average earning assets | $183,551,000 | 3,220 |
| Average equity | $20,243,670 | 3,204 |
| Average total loans | $100,131,670 | 4,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8577% | 2,998 |
| Cost of funding earning assets | 2.1235% | 3,544 |
| Net interest margin | 3.7342% | 3,743 |
| Noninterest income to average assets | 0.3272% | 5,830 |
| Noninterest expense to average assets | 2.5092% | 5,803 |
| Loan and lease loss provision to assets | 0.3168% | 3,437 |
| Net operating income to assets | 1.0358% | 2,176 |
| Return on assets (ROA) | 1.0358% | 2,310 |
| Pretax return on assets | 1.0379% | 3,214 |
| Return on Equity (ROE) | 9.7917% | 2,406 |
| Retained earnings to average equity (ytd only) | 3.6251% | 3,881 |
| Net charge-offs to loans | 0.2305% | 3,256 |
| Credit loss provision to net charge-offs | 262.0690% | 1,804 |
| Earnings coverage of net charge-offs (x) | 11.2069% | 1,888 |
| Efficiency ratio | 64.9407% | 5,517 |
| Assets per employee ($millions) | 3.1977% | 5,599 |
| Cash dividends to net income (ytd only)* | 62.9779% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 2,493 |
| Loan loss allowance to noncurrent loans | 91.2281% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 4,647 |
| Noncurrent loans to loans | 1.7595% | 3,628 |
| Net loans and leases to total assets | 50.6585% | 6,797 |
| Net loans and leases to deposits | 60.5916% | 6,846 |
| Net loans and leases to core deposits | 69.3480% | 7,061 |
| Total domestic deposits to total assets | 83.6065% | 3,875 |
| Equity capital to assets | 10.4568% | 3,502 |
| Core capital (leverage) ratio | 9.5483% | 3,926 |
| Tier 1 risk-based capital ratio | 16.7967% | 2,406 |
| Total risk-based capital ratio | 18.0495% | 2,335 |
| Memoranda: | ||
| Average total assets | $191,931,000 | 3,335 |
| Average earning assets | $181,777,000 | 3,257 |
| Average equity | $20,303,000 | 3,220 |
| Average total loans | $100,631,000 | 4,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5120% | 2,898 |
| Cost of funding earning assets | 2.7407% | 2,973 |
| Net interest margin | 3.7714% | 4,133 |
| Noninterest income to average assets | 0.3730% | 5,712 |
| Noninterest expense to average assets | 2.5180% | 5,939 |
| Loan and lease loss provision to assets | 0.2011% | 4,881 |
| Net operating income to assets | 1.1919% | 1,798 |
| Return on assets (ROA) | 1.1919% | 1,729 |
| Pretax return on assets | 1.1941% | 2,665 |
| Return on Equity (ROE) | 11.4741% | 1,760 |
| Retained earnings to average equity (ytd only) | 2.6491% | 3,534 |
| Net charge-offs to loans | 0.2348% | 3,900 |
| Credit loss provision to net charge-offs | 163.2287% | 3,159 |
| Earnings coverage of net charge-offs (x) | 11.3229% | 2,383 |
| Efficiency ratio | 64.3462% | 5,485 |
| Assets per employee ($millions) | 3.0951% | 5,779 |
| Cash dividends to net income (ytd only)* | 76.9124% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 2,656 |
| Loan loss allowance to noncurrent loans | 86.3481% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 4,124 |
| Noncurrent loans to loans | 1.7434% | 3,152 |
| Net loans and leases to total assets | 52.6040% | 6,789 |
| Net loans and leases to deposits | 64.1071% | 6,785 |
| Net loans and leases to core deposits | 73.5030% | 6,992 |
| Total domestic deposits to total assets | 82.0564% | 4,178 |
| Equity capital to assets | 10.7037% | 3,295 |
| Core capital (leverage) ratio | 9.6779% | 3,796 |
| Tier 1 risk-based capital ratio | 16.7299% | 2,409 |
| Total risk-based capital ratio | 17.9819% | 2,340 |
| Memoranda: | ||
| Average total assets | $180,976,200 | 3,396 |
| Average earning assets | $169,885,600 | 3,337 |
| Average equity | $18,798,800 | 3,428 |
| Average total loans | $94,961,800 | 4,080 |