Home > Magyar Bank > Performance and Condition Ratios
Magyar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 1,775 |
| Cost of funding earning assets | 1.6142% | 1,658 |
| Net interest margin | 3.5253% | 2,133 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.1504% | 3,254 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9527% | 2,354 |
| Return on assets (ROA) | 0.9527% | 2,347 |
| Pretax return on assets | 1.3161% | 1,826 |
| Return on Equity (ROE) | 8.8500% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.8486% | 1,294 |
| Net charge-offs to loans | 0.0696% | 1,155 |
| Credit loss provision to net charge-offs | 92.7686% | 1,927 |
| Earnings coverage of net charge-offs (x) | 24.7397% | 1,751 |
| Efficiency ratio | 60.9306% | 2,982 |
| Assets per employee ($millions) | 9.2565% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,051 |
| Loan loss allowance to noncurrent loans | 158.4124% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 991 |
| Noncurrent loans to loans | 0.6657% | 1,177 |
| Net loans and leases to total assets | 78.6600% | 799 |
| Net loans and leases to deposits | 93.1941% | 1,002 |
| Net loans and leases to core deposits | 97.3453% | 1,574 |
| Total domestic deposits to total assets | 84.4100% | 2,499 |
| Equity capital to assets | 10.7415% | 1,607 |
| Core capital (leverage) ratio | 10.7985% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7882% | 1,320 |
| Memoranda: | ||
| Average total assets | $868,380,400 | 1,114 |
| Average earning assets | $815,898,000 | 1,093 |
| Average equity | $93,494,600 | 999 |
| Average total loans | $695,717,200 | 965 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 1,785 |
| Cost of funding earning assets | 1.4804% | 1,663 |
| Net interest margin | 3.5422% | 2,129 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1632% | 3,169 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9897% | 2,393 |
| Return on assets (ROA) | 0.9897% | 2,380 |
| Pretax return on assets | 1.3653% | 1,859 |
| Return on Equity (ROE) | 9.1900% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.1869% | 1,639 |
| Net charge-offs to loans | 0.0939% | 824 |
| Credit loss provision to net charge-offs | 13.2231% | 2,027 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,870 |
| Efficiency ratio | 61.1343% | 2,827 |
| Assets per employee ($millions) | 9.7521% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,391 |
| Loan loss allowance to noncurrent loans | 163.8151% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 986 |
| Noncurrent loans to loans | 0.7291% | 1,138 |
| Net loans and leases to total assets | 75.9800% | 1,123 |
| Net loans and leases to deposits | 90.0911% | 1,233 |
| Net loans and leases to core deposits | 93.8096% | 1,689 |
| Total domestic deposits to total assets | 84.3300% | 2,678 |
| Equity capital to assets | 10.5457% | 1,538 |
| Core capital (leverage) ratio | 11.1089% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2202% | 1,264 |
| Memoranda: | ||
| Average total assets | $856,377,500 | 1,126 |
| Average earning assets | $803,741,500 | 1,103 |
| Average equity | $92,259,750 | 1,007 |
| Average total loans | $687,506,500 | 976 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 1,789 |
| Cost of funding earning assets | 1.3337% | 1,624 |
| Net interest margin | 3.5549% | 2,141 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.1717% | 3,162 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9801% | 2,482 |
| Return on assets (ROA) | 0.9801% | 2,470 |
| Pretax return on assets | 1.3639% | 1,907 |
| Return on Equity (ROE) | 9.0300% | 2,981 |
| Retained earnings to average equity (ytd only) | 9.0287% | 1,677 |
| Net charge-offs to loans | 0.1424% | 537 |
| Credit loss provision to net charge-offs | 23.6140% | 1,760 |
| Earnings coverage of net charge-offs (x) | 11.9918% | 1,954 |
| Efficiency ratio | 60.9521% | 2,852 |
| Assets per employee ($millions) | 8.7470% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,476 |
| Loan loss allowance to noncurrent loans | 235.3371% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 1,193 |
| Noncurrent loans to loans | 0.5073% | 1,444 |
| Net loans and leases to total assets | 80.8800% | 532 |
| Net loans and leases to deposits | 98.5300% | 581 |
| Net loans and leases to core deposits | 103.2341% | 1,083 |
| Total domestic deposits to total assets | 82.0900% | 3,217 |
| Equity capital to assets | 10.8757% | 1,436 |
| Core capital (leverage) ratio | 11.2074% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9168% | 1,336 |
| Memoranda: | ||
| Average total assets | $839,523,000 | 1,138 |
| Average earning assets | $787,143,333 | 1,112 |
| Average equity | $91,132,000 | 1,012 |
| Average total loans | $684,208,667 | 969 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 1,698 |
| Cost of funding earning assets | 1.1790% | 1,507 |
| Net interest margin | 3.5894% | 2,156 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1871% | 3,132 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9510% | 2,689 |
| Return on assets (ROA) | 0.9510% | 2,648 |
| Pretax return on assets | 1.3353% | 2,073 |
| Return on Equity (ROE) | 8.7700% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.7695% | 2,011 |
| Net charge-offs to loans | 0.0604% | 773 |
| Credit loss provision to net charge-offs | 192.1569% | 845 |
| Earnings coverage of net charge-offs (x) | 29.1078% | 1,318 |
| Efficiency ratio | 60.4713% | 2,897 |
| Assets per employee ($millions) | 8.9334% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,996 |
| Loan loss allowance to noncurrent loans | 260.5775% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 1,169 |
| Noncurrent loans to loans | 0.5020% | 1,462 |
| Net loans and leases to total assets | 79.4600% | 592 |
| Net loans and leases to deposits | 94.2102% | 776 |
| Net loans and leases to core deposits | 97.2780% | 1,215 |
| Total domestic deposits to total assets | 84.3400% | 3,016 |
| Equity capital to assets | 10.8557% | 1,399 |
| Core capital (leverage) ratio | 11.2138% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8687% | 1,400 |
| Memoranda: | ||
| Average total assets | $830,680,500 | 1,163 |
| Average earning assets | $778,630,000 | 1,144 |
| Average equity | $90,084,500 | 1,032 |
| Average total loans | $675,470,000 | 989 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 1,263 |
| Cost of funding earning assets | 0.4887% | 1,478 |
| Net interest margin | 3.7034% | 1,366 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.2000% | 3,027 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0550% | 2,356 |
| Return on assets (ROA) | 1.0550% | 2,302 |
| Pretax return on assets | 1.4865% | 1,496 |
| Return on Equity (ROE) | 9.9500% | 2,826 |
| Retained earnings to average equity (ytd only) | 9.9464% | 1,173 |
| Net charge-offs to loans | -0.0002% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.6406% | 3,242 |
| Assets per employee ($millions) | 9.0288% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 1,908 |
| Loan loss allowance to noncurrent loans | 224.4165% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 1,000 |
| Noncurrent loans to loans | 0.5778% | 1,286 |
| Net loans and leases to total assets | 81.0700% | 492 |
| Net loans and leases to deposits | 96.8570% | 591 |
| Net loans and leases to core deposits | 99.8811% | 1,010 |
| Total domestic deposits to total assets | 83.7000% | 3,273 |
| Equity capital to assets | 10.8334% | 1,327 |
| Core capital (leverage) ratio | 11.2279% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8286% | 1,407 |
| Memoranda: | ||
| Average total assets | $799,601,200 | 1,186 |
| Average earning assets | $748,993,000 | 1,171 |
| Average equity | $84,814,200 | 1,083 |
| Average total loans | $625,694,800 | 1,009 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 1,080 |
| Cost of funding earning assets | 0.3608% | 1,612 |
| Net interest margin | 3.7349% | 1,062 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.2267% | 2,856 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0781% | 2,176 |
| Return on assets (ROA) | 1.0781% | 2,138 |
| Pretax return on assets | 1.5245% | 1,341 |
| Return on Equity (ROE) | 10.2200% | 2,657 |
| Retained earnings to average equity (ytd only) | 10.2203% | 1,280 |
| Net charge-offs to loans | -0.0002% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.8220% | 3,283 |
| Assets per employee ($millions) | 8.8725% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 1,835 |
| Loan loss allowance to noncurrent loans | 297.4603% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 1,391 |
| Noncurrent loans to loans | 0.4512% | 1,681 |
| Net loans and leases to total assets | 77.6200% | 740 |
| Net loans and leases to deposits | 91.0623% | 820 |
| Net loans and leases to core deposits | 93.4467% | 1,116 |
| Total domestic deposits to total assets | 85.2400% | 3,232 |
| Equity capital to assets | 10.8656% | 1,224 |
| Core capital (leverage) ratio | 11.1251% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4679% | 1,292 |
| Memoranda: | ||
| Average total assets | $794,097,250 | 1,199 |
| Average earning assets | $743,845,000 | 1,182 |
| Average equity | $83,765,500 | 1,101 |
| Average total loans | $613,411,000 | 1,019 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 1,052 |
| Cost of funding earning assets | 0.2966% | 1,745 |
| Net interest margin | 3.6374% | 1,009 |
| Noninterest income to average assets | 0.2584% | 3,624 |
| Noninterest expense to average assets | 2.1968% | 2,870 |
| Loan and lease loss provision to assets | 0.0696% | 1,368 |
| Net operating income to assets | 0.9884% | 2,200 |
| Return on assets (ROA) | 0.9884% | 2,171 |
| Pretax return on assets | 1.3992% | 1,440 |
| Return on Equity (ROE) | 9.4652% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.4652% | 1,148 |
| Net charge-offs to loans | -0.0003% | 2,971 |
| Credit loss provision to net charge-offs | -27,600.0000% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9298% | 3,305 |
| Assets per employee ($millions) | 7.9860% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,920 |
| Loan loss allowance to noncurrent loans | 185.6987% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 901 |
| Noncurrent loans to loans | 0.7326% | 1,175 |
| Net loans and leases to total assets | 77.9970% | 553 |
| Net loans and leases to deposits | 91.0619% | 662 |
| Net loans and leases to core deposits | 93.7553% | 927 |
| Total domestic deposits to total assets | 85.6527% | 3,338 |
| Equity capital to assets | 10.6765% | 1,364 |
| Core capital (leverage) ratio | 10.8008% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1770% | 1,398 |
| Memoranda: | ||
| Average total assets | $792,622,333 | 1,199 |
| Average earning assets | $742,451,000 | 1,194 |
| Average equity | $82,766,000 | 1,124 |
| Average total loans | $608,456,000 | 1,012 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 1,110 |
| Cost of funding earning assets | 0.2995% | 1,665 |
| Net interest margin | 3.4847% | 1,117 |
| Noninterest income to average assets | 0.2198% | 3,839 |
| Noninterest expense to average assets | 2.2076% | 2,819 |
| Loan and lease loss provision to assets | 0.0358% | 1,715 |
| Net operating income to assets | 0.8805% | 2,360 |
| Return on assets (ROA) | 0.8805% | 2,361 |
| Pretax return on assets | 1.2429% | 1,675 |
| Return on Equity (ROE) | 8.5278% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.5278% | 1,416 |
| Net charge-offs to loans | -0.0007% | 2,987 |
| Credit loss provision to net charge-offs | -7,100.0000% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3222% | 3,100 |
| Assets per employee ($millions) | 8.7675% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,142 |
| Loan loss allowance to noncurrent loans | 139.9899% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 673 |
| Noncurrent loans to loans | 0.9598% | 944 |
| Net loans and leases to total assets | 75.5523% | 537 |
| Net loans and leases to deposits | 87.9737% | 623 |
| Net loans and leases to core deposits | 90.7971% | 888 |
| Total domestic deposits to total assets | 85.8806% | 3,303 |
| Equity capital to assets | 10.2357% | 1,731 |
| Core capital (leverage) ratio | 10.5600% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1255% | 1,477 |
| Memoranda: | ||
| Average total assets | $793,626,000 | 1,200 |
| Average earning assets | $743,929,500 | 1,198 |
| Average equity | $81,944,000 | 1,173 |
| Average total loans | $600,103,500 | 1,020 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 1,452 |
| Cost of funding earning assets | 0.3570% | 1,877 |
| Net interest margin | 3.6036% | 1,460 |
| Noninterest income to average assets | 0.3119% | 3,539 |
| Noninterest expense to average assets | 2.3418% | 2,682 |
| Loan and lease loss provision to assets | 0.1398% | 864 |
| Net operating income to assets | 0.8543% | 3,173 |
| Return on assets (ROA) | 0.8543% | 3,241 |
| Pretax return on assets | 1.2122% | 2,622 |
| Return on Equity (ROE) | 9.7421% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.7421% | 981 |
| Net charge-offs to loans | -0.0013% | 3,308 |
| Credit loss provision to net charge-offs | -13,625.0000% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3974% | 2,658 |
| Assets per employee ($millions) | 8.2173% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,880 |
| Loan loss allowance to noncurrent loans | 132.4320% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 665 |
| Noncurrent loans to loans | 1.0666% | 911 |
| Net loans and leases to total assets | 73.5634% | 698 |
| Net loans and leases to deposits | 86.0885% | 771 |
| Net loans and leases to core deposits | 89.0785% | 1,005 |
| Total domestic deposits to total assets | 85.4509% | 3,108 |
| Equity capital to assets | 10.4178% | 2,248 |
| Core capital (leverage) ratio | 10.5013% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1740% | 1,224 |
| Memoranda: | ||
| Average total assets | $779,484,400 | 1,185 |
| Average earning assets | $731,552,800 | 1,177 |
| Average equity | $68,353,000 | 1,380 |
| Average total loans | $603,886,600 | 1,004 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 1,560 |
| Cost of funding earning assets | 0.3660% | 1,973 |
| Net interest margin | 3.6233% | 1,545 |
| Noninterest income to average assets | 0.3181% | 3,525 |
| Noninterest expense to average assets | 2.3465% | 2,605 |
| Loan and lease loss provision to assets | 0.1693% | 645 |
| Net operating income to assets | 0.8441% | 3,406 |
| Return on assets (ROA) | 0.8441% | 3,466 |
| Pretax return on assets | 1.2036% | 2,915 |
| Return on Equity (ROE) | 10.1017% | 2,702 |
| Retained earnings to average equity (ytd only) | 10.1017% | 1,284 |
| Net charge-offs to loans | 0.0096% | 1,959 |
| Credit loss provision to net charge-offs | 2,247.7273% | 306 |
| Earnings coverage of net charge-offs (x) | 182.3409% | 593 |
| Efficiency ratio | 63.0889% | 2,528 |
| Assets per employee ($millions) | 7.8178% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,175 |
| Loan loss allowance to noncurrent loans | 98.9583% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 540 |
| Noncurrent loans to loans | 1.3752% | 774 |
| Net loans and leases to total assets | 75.6236% | 575 |
| Net loans and leases to deposits | 88.7523% | 672 |
| Net loans and leases to core deposits | 94.7432% | 799 |
| Total domestic deposits to total assets | 85.2075% | 3,047 |
| Equity capital to assets | 10.2899% | 2,621 |
| Core capital (leverage) ratio | 10.1831% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9895% | 1,350 |
| Memoranda: | ||
| Average total assets | $779,195,250 | 1,198 |
| Average earning assets | $731,429,000 | 1,190 |
| Average equity | $65,109,750 | 1,440 |
| Average total loans | $609,234,750 | 1,015 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 1,714 |
| Cost of funding earning assets | 0.3777% | 2,068 |
| Net interest margin | 3.5611% | 1,684 |
| Noninterest income to average assets | 0.3734% | 3,248 |
| Noninterest expense to average assets | 2.3426% | 2,638 |
| Loan and lease loss provision to assets | 0.1826% | 626 |
| Net operating income to assets | 0.8387% | 3,401 |
| Return on assets (ROA) | 0.8387% | 3,472 |
| Pretax return on assets | 1.1904% | 2,937 |
| Return on Equity (ROE) | 10.8684% | 2,471 |
| Retained earnings to average equity (ytd only) | 10.8684% | 1,153 |
| Net charge-offs to loans | 0.0140% | 1,668 |
| Credit loss provision to net charge-offs | 1,658.1395% | 334 |
| Earnings coverage of net charge-offs (x) | 124.6744% | 655 |
| Efficiency ratio | 63.0480% | 2,564 |
| Assets per employee ($millions) | 8.6835% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,577 |
| Loan loss allowance to noncurrent loans | 82.7060% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 511 |
| Noncurrent loans to loans | 1.5376% | 734 |
| Net loans and leases to total assets | 71.8953% | 985 |
| Net loans and leases to deposits | 81.8243% | 1,244 |
| Net loans and leases to core deposits | 86.2954% | 1,393 |
| Total domestic deposits to total assets | 87.8655% | 1,905 |
| Equity capital to assets | 7.3519% | 4,779 |
| Core capital (leverage) ratio | 8.3082% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6159% | 2,510 |
| Memoranda: | ||
| Average total assets | $780,938,333 | 1,186 |
| Average earning assets | $732,911,667 | 1,177 |
| Average equity | $60,266,333 | 1,521 |
| Average total loans | $614,521,000 | 998 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 1,302 |
| Cost of funding earning assets | 0.4229% | 1,913 |
| Net interest margin | 3.7167% | 1,298 |
| Noninterest income to average assets | 0.4255% | 2,956 |
| Noninterest expense to average assets | 2.4584% | 2,301 |
| Loan and lease loss provision to assets | 0.2490% | 427 |
| Net operating income to assets | 0.8370% | 3,307 |
| Return on assets (ROA) | 0.8370% | 3,391 |
| Pretax return on assets | 1.1996% | 2,849 |
| Return on Equity (ROE) | 10.5658% | 2,508 |
| Retained earnings to average equity (ytd only) | 10.5658% | 1,499 |
| Net charge-offs to loans | 0.0280% | 1,211 |
| Credit loss provision to net charge-offs | 1,086.0465% | 392 |
| Earnings coverage of net charge-offs (x) | 63.1860% | 801 |
| Efficiency ratio | 62.9230% | 2,618 |
| Assets per employee ($millions) | 8.0716% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,880 |
| Loan loss allowance to noncurrent loans | 79.0912% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 466 |
| Noncurrent loans to loans | 1.5293% | 812 |
| Net loans and leases to total assets | 81.3164% | 259 |
| Net loans and leases to deposits | 95.7080% | 416 |
| Net loans and leases to core deposits | 102.8043% | 607 |
| Total domestic deposits to total assets | 84.9630% | 3,111 |
| Equity capital to assets | 7.9225% | 4,533 |
| Core capital (leverage) ratio | 8.4659% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2480% | 2,580 |
| Memoranda: | ||
| Average total assets | $750,257,500 | 1,212 |
| Average earning assets | $702,777,500 | 1,208 |
| Average equity | $59,437,000 | 1,528 |
| Average total loans | $615,094,500 | 1,001 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 2,266 |
| Cost of funding earning assets | 0.7307% | 1,561 |
| Net interest margin | 3.4240% | 2,697 |
| Noninterest income to average assets | 0.2405% | 4,060 |
| Noninterest expense to average assets | 2.5161% | 2,796 |
| Loan and lease loss provision to assets | 0.2948% | 1,278 |
| Net operating income to assets | 0.4339% | 4,173 |
| Return on assets (ROA) | 0.4414% | 4,242 |
| Pretax return on assets | 0.6272% | 4,024 |
| Return on Equity (ROE) | 5.5093% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.5093% | 2,036 |
| Net charge-offs to loans | 0.0112% | 2,922 |
| Credit loss provision to net charge-offs | 3,223.0769% | 308 |
| Earnings coverage of net charge-offs (x) | 99.7538% | 786 |
| Efficiency ratio | 73.3870% | 1,521 |
| Assets per employee ($millions) | 7.5692% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,069 |
| Loan loss allowance to noncurrent loans | 71.0089% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 418 |
| Noncurrent loans to loans | 1.6579% | 786 |
| Net loans and leases to total assets | 80.6882% | 382 |
| Net loans and leases to deposits | 97.2222% | 495 |
| Net loans and leases to core deposits | 105.1534% | 683 |
| Total domestic deposits to total assets | 82.9936% | 3,412 |
| Equity capital to assets | 7.9219% | 4,737 |
| Core capital (leverage) ratio | 8.3670% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2325% | 2,540 |
| Memoranda: | ||
| Average total assets | $710,634,400 | 1,162 |
| Average earning assets | $661,650,400 | 1,164 |
| Average equity | $56,939,800 | 1,500 |
| Average total loans | $580,739,000 | 1,008 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 2,517 |
| Cost of funding earning assets | 0.7911% | 1,547 |
| Net interest margin | 3.3610% | 3,021 |
| Noninterest income to average assets | 0.1463% | 4,574 |
| Noninterest expense to average assets | 2.5334% | 2,735 |
| Loan and lease loss provision to assets | 0.2760% | 1,455 |
| Net operating income to assets | 0.3242% | 4,400 |
| Return on assets (ROA) | 0.3344% | 4,440 |
| Pretax return on assets | 0.4744% | 4,329 |
| Return on Equity (ROE) | 4.1615% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.1615% | 2,961 |
| Net charge-offs to loans | 0.0360% | 2,112 |
| Credit loss provision to net charge-offs | 938.7097% | 873 |
| Earnings coverage of net charge-offs (x) | 25.0839% | 1,735 |
| Efficiency ratio | 77.4517% | 1,093 |
| Assets per employee ($millions) | 7.4651% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,459 |
| Loan loss allowance to noncurrent loans | 65.0208% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.6495% | 490 |
| Noncurrent loans to loans | 1.6149% | 871 |
| Net loans and leases to total assets | 79.9905% | 619 |
| Net loans and leases to deposits | 96.9414% | 693 |
| Net loans and leases to core deposits | 105.9141% | 851 |
| Total domestic deposits to total assets | 82.5143% | 3,279 |
| Equity capital to assets | 7.6098% | 4,831 |
| Core capital (leverage) ratio | 8.2983% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1797% | 2,544 |
| Memoranda: | ||
| Average total assets | $702,847,750 | 1,158 |
| Average earning assets | $653,444,000 | 1,155 |
| Average equity | $56,484,000 | 1,503 |
| Average total loans | $574,508,750 | 1,011 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 2,605 |
| Cost of funding earning assets | 0.8784% | 1,466 |
| Net interest margin | 3.3721% | 3,181 |
| Noninterest income to average assets | 0.0793% | 4,840 |
| Noninterest expense to average assets | 2.6042% | 2,645 |
| Loan and lease loss provision to assets | 0.2505% | 1,677 |
| Net operating income to assets | 0.2462% | 4,512 |
| Return on assets (ROA) | 0.2619% | 4,523 |
| Pretax return on assets | 0.3701% | 4,446 |
| Return on Equity (ROE) | 3.1965% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.1965% | 3,308 |
| Net charge-offs to loans | -0.0146% | 4,310 |
| Credit loss provision to net charge-offs | -2,095.1220% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2557% | 798 |
| Assets per employee ($millions) | 7.4351% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,654 |
| Loan loss allowance to noncurrent loans | 67.3854% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9875% | 360 |
| Noncurrent loans to loans | 1.4584% | 1,050 |
| Net loans and leases to total assets | 79.7162% | 623 |
| Net loans and leases to deposits | 96.3015% | 769 |
| Net loans and leases to core deposits | 105.6856% | 901 |
| Total domestic deposits to total assets | 82.7777% | 3,152 |
| Equity capital to assets | 7.4595% | 4,889 |
| Core capital (leverage) ratio | 8.2231% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9599% | 2,632 |
| Memoranda: | ||
| Average total assets | $685,804,667 | 1,164 |
| Average earning assets | $635,686,333 | 1,162 |
| Average equity | $56,186,667 | 1,497 |
| Average total loans | $562,841,667 | 1,017 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 2,526 |
| Cost of funding earning assets | 1.0474% | 1,232 |
| Net interest margin | 3.3762% | 3,373 |
| Noninterest income to average assets | 0.1718% | 4,508 |
| Noninterest expense to average assets | 2.7731% | 2,507 |
| Loan and lease loss provision to assets | 0.2587% | 1,204 |
| Net operating income to assets | 0.1800% | 4,554 |
| Return on assets (ROA) | 0.2131% | 4,522 |
| Pretax return on assets | 0.2987% | 4,457 |
| Return on Equity (ROE) | 2.4717% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.4717% | 3,278 |
| Net charge-offs to loans | -0.0030% | 3,720 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3258% | 807 |
| Assets per employee ($millions) | 6.3280% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,656 |
| Loan loss allowance to noncurrent loans | 60.5768% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 297 |
| Noncurrent loans to loans | 1.6657% | 922 |
| Net loans and leases to total assets | 82.3450% | 409 |
| Net loans and leases to deposits | 96.0747% | 904 |
| Net loans and leases to core deposits | 106.1103% | 1,054 |
| Total domestic deposits to total assets | 85.7094% | 2,124 |
| Equity capital to assets | 8.5393% | 4,811 |
| Core capital (leverage) ratio | 8.8162% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8327% | 2,780 |
| Memoranda: | ||
| Average total assets | $649,518,500 | 1,188 |
| Average earning assets | $599,607,000 | 1,186 |
| Average equity | $55,994,500 | 1,500 |
| Average total loans | $538,988,000 | 1,030 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 2,498 |
| Cost of funding earning assets | 1.1321% | 1,221 |
| Net interest margin | 3.5082% | 3,422 |
| Noninterest income to average assets | 0.2125% | 4,398 |
| Noninterest expense to average assets | 2.7088% | 2,862 |
| Loan and lease loss provision to assets | 0.1054% | 1,966 |
| Net operating income to assets | 0.4549% | 4,496 |
| Return on assets (ROA) | 0.4693% | 4,510 |
| Pretax return on assets | 0.6690% | 4,281 |
| Return on Equity (ROE) | 5.5375% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.5375% | 2,140 |
| Net charge-offs to loans | -0.0040% | 4,307 |
| Credit loss provision to net charge-offs | -3,223.8095% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1771% | 1,130 |
| Assets per employee ($millions) | 6.1628% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,693 |
| Loan loss allowance to noncurrent loans | 93.5952% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.0144% | 386 |
| Noncurrent loans to loans | 1.0271% | 1,477 |
| Net loans and leases to total assets | 81.9799% | 562 |
| Net loans and leases to deposits | 96.0732% | 933 |
| Net loans and leases to core deposits | 107.0342% | 1,045 |
| Total domestic deposits to total assets | 85.3306% | 2,373 |
| Equity capital to assets | 8.7047% | 4,824 |
| Core capital (leverage) ratio | 8.9551% | 4,561 |
| Tier 1 risk-based capital ratio | 11.9058% | 4,417 |
| Total risk-based capital ratio | 12.9686% | 4,398 |
| Memoranda: | ||
| Average total assets | $642,455,800 | 1,164 |
| Average earning assets | $595,629,200 | 1,160 |
| Average equity | $54,446,800 | 1,483 |
| Average total loans | $523,830,200 | 1,030 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 2,578 |
| Cost of funding earning assets | 1.1386% | 1,214 |
| Net interest margin | 3.5093% | 3,535 |
| Noninterest income to average assets | 0.2230% | 4,398 |
| Noninterest expense to average assets | 2.6880% | 2,901 |
| Loan and lease loss provision to assets | 0.0969% | 1,972 |
| Net operating income to assets | 0.4859% | 4,553 |
| Return on assets (ROA) | 0.5050% | 4,551 |
| Pretax return on assets | 0.7201% | 4,298 |
| Return on Equity (ROE) | 5.9999% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.9999% | 2,373 |
| Net charge-offs to loans | -0.0051% | 4,212 |
| Credit loss provision to net charge-offs | -2,335.0000% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2256% | 1,190 |
| Assets per employee ($millions) | 5.8907% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,903 |
| Loan loss allowance to noncurrent loans | 70.9022% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.2881% | 330 |
| Noncurrent loans to loans | 1.3179% | 1,172 |
| Net loans and leases to total assets | 82.2170% | 543 |
| Net loans and leases to deposits | 96.9057% | 915 |
| Net loans and leases to core deposits | 104.6039% | 1,292 |
| Total domestic deposits to total assets | 84.8422% | 2,480 |
| Equity capital to assets | 8.7553% | 4,892 |
| Core capital (leverage) ratio | 9.0277% | 4,617 |
| Tier 1 risk-based capital ratio | 11.9574% | 4,435 |
| Total risk-based capital ratio | 12.9917% | 4,446 |
| Memoranda: | ||
| Average total assets | $642,838,000 | 1,160 |
| Average earning assets | $596,765,000 | 1,151 |
| Average equity | $54,110,750 | 1,490 |
| Average total loans | $522,155,000 | 1,031 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 2,683 |
| Cost of funding earning assets | 1.1242% | 1,215 |
| Net interest margin | 3.4740% | 3,673 |
| Noninterest income to average assets | 0.2049% | 4,523 |
| Noninterest expense to average assets | 2.6630% | 3,025 |
| Loan and lease loss provision to assets | 0.0927% | 1,995 |
| Net operating income to assets | 0.4755% | 4,581 |
| Return on assets (ROA) | 0.4899% | 4,578 |
| Pretax return on assets | 0.6952% | 4,340 |
| Return on Equity (ROE) | 5.8974% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.8974% | 2,329 |
| Net charge-offs to loans | 0.0031% | 3,059 |
| Credit loss provision to net charge-offs | 3,750.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 311.2500% | 260 |
| Efficiency ratio | 77.5777% | 1,209 |
| Assets per employee ($millions) | 6.0242% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,155 |
| Loan loss allowance to noncurrent loans | 114.2092% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 535 |
| Noncurrent loans to loans | 0.7741% | 2,049 |
| Net loans and leases to total assets | 83.2001% | 447 |
| Net loans and leases to deposits | 100.3595% | 645 |
| Net loans and leases to core deposits | 108.7666% | 1,048 |
| Total domestic deposits to total assets | 82.9021% | 3,239 |
| Equity capital to assets | 8.6546% | 4,978 |
| Core capital (leverage) ratio | 8.6651% | 4,869 |
| Tier 1 risk-based capital ratio | 11.6876% | 4,582 |
| Total risk-based capital ratio | 12.6739% | 4,620 |
| Memoranda: | ||
| Average total assets | $647,016,000 | 1,154 |
| Average earning assets | $601,147,330 | 1,135 |
| Average equity | $53,752,670 | 1,495 |
| Average total loans | $521,838,330 | 1,031 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,830 |
| Cost of funding earning assets | 1.1116% | 1,150 |
| Net interest margin | 3.3990% | 3,886 |
| Noninterest income to average assets | 0.1779% | 4,682 |
| Noninterest expense to average assets | 2.5978% | 3,222 |
| Loan and lease loss provision to assets | 0.0648% | 2,365 |
| Net operating income to assets | 0.4768% | 4,580 |
| Return on assets (ROA) | 0.4928% | 4,560 |
| Pretax return on assets | 0.7006% | 4,299 |
| Return on Equity (ROE) | 6.0537% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.0537% | 2,437 |
| Net charge-offs to loans | -0.0711% | 4,937 |
| Credit loss provision to net charge-offs | -115.2174% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7067% | 1,305 |
| Assets per employee ($millions) | 6.3326% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,217 |
| Loan loss allowance to noncurrent loans | 121.7253% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.7050% | 646 |
| Noncurrent loans to loans | 0.7268% | 2,204 |
| Net loans and leases to total assets | 77.5096% | 1,236 |
| Net loans and leases to deposits | 89.5749% | 1,678 |
| Net loans and leases to core deposits | 96.9164% | 1,862 |
| Total domestic deposits to total assets | 86.5305% | 2,050 |
| Equity capital to assets | 8.0871% | 5,154 |
| Core capital (leverage) ratio | 8.4316% | 5,046 |
| Tier 1 risk-based capital ratio | 11.7141% | 4,613 |
| Total risk-based capital ratio | 12.6972% | 4,669 |
| Memoranda: | ||
| Average total assets | $654,251,500 | 1,149 |
| Average earning assets | $609,236,500 | 1,129 |
| Average equity | $53,257,000 | 1,495 |
| Average total loans | $517,271,500 | 1,042 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 2,581 |
| Cost of funding earning assets | 0.9183% | 1,032 |
| Net interest margin | 3.5418% | 3,571 |
| Noninterest income to average assets | 0.2408% | 4,476 |
| Noninterest expense to average assets | 2.7556% | 2,839 |
| Loan and lease loss provision to assets | 0.1535% | 1,376 |
| Net operating income to assets | 0.4109% | 4,844 |
| Return on assets (ROA) | 0.4109% | 4,836 |
| Pretax return on assets | 0.6044% | 4,621 |
| Return on Equity (ROE) | 4.9603% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.9603% | 2,785 |
| Net charge-offs to loans | 0.0166% | 3,134 |
| Credit loss provision to net charge-offs | 1,142.1687% | 345 |
| Earnings coverage of net charge-offs (x) | 56.3976% | 1,064 |
| Efficiency ratio | 78.4296% | 1,093 |
| Assets per employee ($millions) | 6.1293% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,344 |
| Loan loss allowance to noncurrent loans | 108.3969% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9039% | 521 |
| Noncurrent loans to loans | 0.7892% | 2,032 |
| Net loans and leases to total assets | 79.2694% | 1,054 |
| Net loans and leases to deposits | 92.2138% | 1,518 |
| Net loans and leases to core deposits | 102.4140% | 1,551 |
| Total domestic deposits to total assets | 85.9626% | 2,251 |
| Equity capital to assets | 8.1950% | 5,084 |
| Core capital (leverage) ratio | 8.3792% | 5,077 |
| Tier 1 risk-based capital ratio | 11.5918% | 4,672 |
| Total risk-based capital ratio | 12.5373% | 4,733 |
| Memoranda: | ||
| Average total assets | $617,640,200 | 1,170 |
| Average earning assets | $570,719,000 | 1,183 |
| Average equity | $51,166,000 | 1,483 |
| Average total loans | $499,833,400 | 1,046 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 2,560 |
| Cost of funding earning assets | 0.8534% | 1,104 |
| Net interest margin | 3.5692% | 3,461 |
| Noninterest income to average assets | 0.2515% | 4,466 |
| Noninterest expense to average assets | 2.7839% | 2,691 |
| Loan and lease loss provision to assets | 0.1630% | 1,174 |
| Net operating income to assets | 0.3992% | 4,959 |
| Return on assets (ROA) | 0.3992% | 4,961 |
| Pretax return on assets | 0.5967% | 4,738 |
| Return on Equity (ROE) | 4.8057% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.8057% | 3,342 |
| Net charge-offs to loans | 0.0226% | 2,689 |
| Credit loss provision to net charge-offs | 889.2857% | 448 |
| Earnings coverage of net charge-offs (x) | 41.4513% | 1,327 |
| Efficiency ratio | 78.5631% | 1,067 |
| Assets per employee ($millions) | 6.1171% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 4,551 |
| Loan loss allowance to noncurrent loans | 464.0884% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5211% | 840 |
| Noncurrent loans to loans | 0.1765% | 4,099 |
| Net loans and leases to total assets | 81.4865% | 798 |
| Net loans and leases to deposits | 95.2732% | 1,235 |
| Net loans and leases to core deposits | 104.8893% | 1,390 |
| Total domestic deposits to total assets | 85.5293% | 2,382 |
| Equity capital to assets | 8.2939% | 5,036 |
| Core capital (leverage) ratio | 8.6145% | 5,019 |
| Tier 1 risk-based capital ratio | 11.5254% | 4,781 |
| Total risk-based capital ratio | 12.4349% | 4,856 |
| Memoranda: | ||
| Average total assets | $611,155,500 | 1,188 |
| Average earning assets | $563,696,000 | 1,195 |
| Average equity | $50,772,250 | 1,492 |
| Average total loans | $496,151,000 | 1,060 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 2,612 |
| Cost of funding earning assets | 0.7913% | 1,166 |
| Net interest margin | 3.5520% | 3,465 |
| Noninterest income to average assets | 0.2267% | 4,666 |
| Noninterest expense to average assets | 2.8081% | 2,638 |
| Loan and lease loss provision to assets | 0.1756% | 1,034 |
| Net operating income to assets | 0.3592% | 5,038 |
| Return on assets (ROA) | 0.3592% | 5,035 |
| Pretax return on assets | 0.5138% | 4,879 |
| Return on Equity (ROE) | 4.3214% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.3214% | 3,437 |
| Net charge-offs to loans | 0.0346% | 2,156 |
| Credit loss provision to net charge-offs | 627.0588% | 603 |
| Earnings coverage of net charge-offs (x) | 24.6118% | 1,671 |
| Efficiency ratio | 80.2883% | 981 |
| Assets per employee ($millions) | 5.9241% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,720 |
| Loan loss allowance to noncurrent loans | 452.3269% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 668 |
| Noncurrent loans to loans | 0.1752% | 4,117 |
| Net loans and leases to total assets | 80.9633% | 863 |
| Net loans and leases to deposits | 97.1554% | 1,026 |
| Net loans and leases to core deposits | 106.0349% | 1,243 |
| Total domestic deposits to total assets | 83.3338% | 3,316 |
| Equity capital to assets | 8.2631% | 5,099 |
| Core capital (leverage) ratio | 8.5598% | 5,066 |
| Tier 1 risk-based capital ratio | 11.5418% | 4,771 |
| Total risk-based capital ratio | 12.4188% | 4,867 |
| Memoranda: | ||
| Average total assets | $606,892,670 | 1,198 |
| Average earning assets | $558,838,000 | 1,203 |
| Average equity | $50,446,670 | 1,507 |
| Average total loans | $490,658,000 | 1,068 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 2,702 |
| Cost of funding earning assets | 0.7513% | 1,183 |
| Net interest margin | 3.5002% | 3,534 |
| Noninterest income to average assets | 0.1607% | 5,059 |
| Noninterest expense to average assets | 2.7973% | 2,698 |
| Loan and lease loss provision to assets | 0.1707% | 1,036 |
| Net operating income to assets | 0.2935% | 5,105 |
| Return on assets (ROA) | 0.2935% | 5,107 |
| Pretax return on assets | 0.4138% | 5,019 |
| Return on Equity (ROE) | 3.5208% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.5208% | 3,795 |
| Net charge-offs to loans | 0.0206% | 2,085 |
| Credit loss provision to net charge-offs | 1,028.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 35.2000% | 1,140 |
| Efficiency ratio | 82.7180% | 887 |
| Assets per employee ($millions) | 5.7343% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,854 |
| Loan loss allowance to noncurrent loans | 298.4165% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.8778% | 635 |
| Noncurrent loans to loans | 0.2591% | 3,831 |
| Net loans and leases to total assets | 79.5723% | 1,000 |
| Net loans and leases to deposits | 92.8033% | 1,355 |
| Net loans and leases to core deposits | 100.0248% | 1,689 |
| Total domestic deposits to total assets | 85.7429% | 2,656 |
| Equity capital to assets | 8.2803% | 5,117 |
| Core capital (leverage) ratio | 8.5624% | 5,095 |
| Tier 1 risk-based capital ratio | 11.6688% | 4,758 |
| Total risk-based capital ratio | 12.5185% | 4,889 |
| Memoranda: | ||
| Average total assets | $602,287,000 | 1,212 |
| Average earning assets | $554,253,500 | 1,223 |
| Average equity | $50,215,500 | 1,524 |
| Average total loans | $484,585,500 | 1,087 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 2,571 |
| Cost of funding earning assets | 0.7256% | 908 |
| Net interest margin | 3.5069% | 3,502 |
| Noninterest income to average assets | 0.2137% | 4,872 |
| Noninterest expense to average assets | 2.7475% | 2,964 |
| Loan and lease loss provision to assets | 0.2135% | 933 |
| Net operating income to assets | 0.2486% | 5,021 |
| Return on assets (ROA) | 0.2602% | 5,020 |
| Pretax return on assets | 0.4828% | 4,951 |
| Return on Equity (ROE) | 3.1398% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.1398% | 3,413 |
| Net charge-offs to loans | 0.1904% | 1,335 |
| Credit loss provision to net charge-offs | 140.9598% | 1,876 |
| Earnings coverage of net charge-offs (x) | 4.4777% | 3,459 |
| Efficiency ratio | 80.2013% | 1,083 |
| Assets per employee ($millions) | 5.6297% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 4,989 |
| Loan loss allowance to noncurrent loans | 268.5649% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 2.0211% | 553 |
| Noncurrent loans to loans | 0.2734% | 3,807 |
| Net loans and leases to total assets | 80.1350% | 940 |
| Net loans and leases to deposits | 93.4923% | 1,331 |
| Net loans and leases to core deposits | 101.0554% | 1,629 |
| Total domestic deposits to total assets | 85.7129% | 2,570 |
| Equity capital to assets | 8.3957% | 5,191 |
| Core capital (leverage) ratio | 8.4598% | 5,174 |
| Tier 1 risk-based capital ratio | 11.7939% | 4,662 |
| Total risk-based capital ratio | 12.6105% | 4,818 |
| Memoranda: | ||
| Average total assets | $591,522,000 | 1,211 |
| Average earning assets | $541,792,000 | 1,223 |
| Average equity | $49,015,800 | 1,544 |
| Average total loans | $470,673,200 | 1,087 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 2,643 |
| Cost of funding earning assets | 0.7083% | 926 |
| Net interest margin | 3.4846% | 3,552 |
| Noninterest income to average assets | 0.2110% | 4,953 |
| Noninterest expense to average assets | 2.7350% | 2,943 |
| Loan and lease loss provision to assets | 0.2288% | 797 |
| Net operating income to assets | 0.2657% | 5,277 |
| Return on assets (ROA) | 0.2657% | 5,292 |
| Pretax return on assets | 0.4358% | 5,131 |
| Return on Equity (ROE) | 3.2167% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.2167% | 4,009 |
| Net charge-offs to loans | 0.2017% | 1,057 |
| Credit loss provision to net charge-offs | 143.0791% | 1,747 |
| Earnings coverage of net charge-offs (x) | 4.1554% | 3,259 |
| Efficiency ratio | 80.4505% | 1,052 |
| Assets per employee ($millions) | 5.9119% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 5,064 |
| Loan loss allowance to noncurrent loans | 147.3707% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 2.2245% | 542 |
| Noncurrent loans to loans | 0.4973% | 3,206 |
| Net loans and leases to total assets | 78.0570% | 1,259 |
| Net loans and leases to deposits | 90.7994% | 1,717 |
| Net loans and leases to core deposits | 98.2004% | 1,868 |
| Total domestic deposits to total assets | 85.9664% | 2,330 |
| Equity capital to assets | 8.2383% | 5,426 |
| Core capital (leverage) ratio | 8.4131% | 5,310 |
| Tier 1 risk-based capital ratio | 11.7546% | 4,804 |
| Total risk-based capital ratio | 12.5675% | 4,949 |
| Memoranda: | ||
| Average total assets | $590,216,750 | 1,223 |
| Average earning assets | $540,080,000 | 1,231 |
| Average equity | $48,744,500 | 1,566 |
| Average total loans | $467,907,250 | 1,094 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 2,686 |
| Cost of funding earning assets | 0.6887% | 950 |
| Net interest margin | 3.4575% | 3,559 |
| Noninterest income to average assets | 0.1942% | 5,076 |
| Noninterest expense to average assets | 2.7344% | 2,969 |
| Loan and lease loss provision to assets | 0.2447% | 686 |
| Net operating income to assets | 0.2273% | 5,356 |
| Return on assets (ROA) | 0.2273% | 5,372 |
| Pretax return on assets | 0.3734% | 5,226 |
| Return on Equity (ROE) | 2.7502% | 5,183 |
| Retained earnings to average equity (ytd only) | 2.7502% | 4,061 |
| Net charge-offs to loans | 0.2155% | 949 |
| Credit loss provision to net charge-offs | 142.8287% | 1,570 |
| Earnings coverage of net charge-offs (x) | 3.6076% | 3,024 |
| Efficiency ratio | 81.5618% | 1,046 |
| Assets per employee ($millions) | 5.7602% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7226% | 5,154 |
| Loan loss allowance to noncurrent loans | 147.4946% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 2.4060% | 467 |
| Noncurrent loans to loans | 0.4899% | 3,282 |
| Net loans and leases to total assets | 79.1569% | 1,073 |
| Net loans and leases to deposits | 92.4042% | 1,444 |
| Net loans and leases to core deposits | 101.0668% | 1,582 |
| Total domestic deposits to total assets | 85.6637% | 2,539 |
| Equity capital to assets | 8.3099% | 5,406 |
| Core capital (leverage) ratio | 8.4647% | 5,241 |
| Tier 1 risk-based capital ratio | 11.7782% | 4,779 |
| Total risk-based capital ratio | 12.5841% | 4,953 |
| Memoranda: | ||
| Average total assets | $585,951,670 | 1,232 |
| Average earning assets | $535,236,670 | 1,245 |
| Average equity | $48,433,330 | 1,574 |
| Average total loans | $465,820,330 | 1,102 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,426 |
| Cost of funding earning assets | 0.6805% | 923 |
| Net interest margin | 3.4802% | 3,353 |
| Noninterest income to average assets | 0.2153% | 4,976 |
| Noninterest expense to average assets | 2.7261% | 3,048 |
| Loan and lease loss provision to assets | 0.2755% | 522 |
| Net operating income to assets | 0.2427% | 5,317 |
| Return on assets (ROA) | 0.2427% | 5,332 |
| Pretax return on assets | 0.3917% | 5,172 |
| Return on Equity (ROE) | 2.9437% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.9437% | 3,942 |
| Net charge-offs to loans | 0.2239% | 801 |
| Credit loss provision to net charge-offs | 155.0000% | 1,188 |
| Earnings coverage of net charge-offs (x) | 3.7538% | 2,450 |
| Efficiency ratio | 80.3384% | 1,343 |
| Assets per employee ($millions) | 6.1330% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 5,275 |
| Loan loss allowance to noncurrent loans | 53.3666% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 3.0357% | 330 |
| Noncurrent loans to loans | 1.3376% | 1,512 |
| Net loans and leases to total assets | 79.0924% | 969 |
| Net loans and leases to deposits | 92.7336% | 1,248 |
| Net loans and leases to core deposits | 101.1822% | 1,428 |
| Total domestic deposits to total assets | 85.2899% | 2,967 |
| Equity capital to assets | 8.3148% | 5,349 |
| Core capital (leverage) ratio | 8.3168% | 5,370 |
| Tier 1 risk-based capital ratio | 11.7751% | 4,869 |
| Total risk-based capital ratio | 12.5732% | 5,036 |
| Memoranda: | ||
| Average total assets | $585,158,500 | 1,232 |
| Average earning assets | $534,331,500 | 1,243 |
| Average equity | $48,238,000 | 1,580 |
| Average total loans | $464,499,500 | 1,104 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 3,043 |
| Cost of funding earning assets | 0.6881% | 864 |
| Net interest margin | 3.3578% | 3,967 |
| Noninterest income to average assets | 0.2597% | 4,871 |
| Noninterest expense to average assets | 2.7044% | 3,327 |
| Loan and lease loss provision to assets | 0.2641% | 770 |
| Net operating income to assets | 0.2144% | 5,397 |
| Return on assets (ROA) | 0.2182% | 5,447 |
| Pretax return on assets | 0.3413% | 5,313 |
| Return on Equity (ROE) | 2.6393% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.6393% | 4,018 |
| Net charge-offs to loans | 0.3278% | 840 |
| Credit loss provision to net charge-offs | 104.8343% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.3798% | 3,840 |
| Efficiency ratio | 81.8546% | 1,219 |
| Assets per employee ($millions) | 6.1217% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,394 |
| Loan loss allowance to noncurrent loans | 76.4040% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.7414% | 405 |
| Noncurrent loans to loans | 0.8925% | 2,311 |
| Net loans and leases to total assets | 78.5623% | 1,114 |
| Net loans and leases to deposits | 91.8923% | 1,471 |
| Net loans and leases to core deposits | 99.9225% | 1,629 |
| Total domestic deposits to total assets | 85.4939% | 2,834 |
| Equity capital to assets | 8.1729% | 5,486 |
| Core capital (leverage) ratio | 8.2232% | 5,495 |
| Tier 1 risk-based capital ratio | 11.5224% | 5,045 |
| Total risk-based capital ratio | 12.2791% | 5,217 |
| Memoranda: | ||
| Average total assets | $574,794,200 | 1,215 |
| Average earning assets | $521,108,800 | 1,233 |
| Average equity | $47,512,800 | 1,590 |
| Average total loans | $441,783,400 | 1,106 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,135 |
| Cost of funding earning assets | 0.6854% | 875 |
| Net interest margin | 3.3379% | 4,068 |
| Noninterest income to average assets | 0.2818% | 4,749 |
| Noninterest expense to average assets | 2.7187% | 3,300 |
| Loan and lease loss provision to assets | 0.2771% | 626 |
| Net operating income to assets | 0.1999% | 5,464 |
| Return on assets (ROA) | 0.2050% | 5,517 |
| Pretax return on assets | 0.3144% | 5,444 |
| Return on Equity (ROE) | 2.4734% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.4734% | 4,440 |
| Net charge-offs to loans | 0.3767% | 585 |
| Credit loss provision to net charge-offs | 96.4286% | 2,429 |
| Earnings coverage of net charge-offs (x) | 2.0308% | 3,626 |
| Efficiency ratio | 82.3268% | 1,157 |
| Assets per employee ($millions) | 5.9629% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 5,495 |
| Loan loss allowance to noncurrent loans | 72.6581% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.7873% | 450 |
| Noncurrent loans to loans | 0.9182% | 2,409 |
| Net loans and leases to total assets | 77.8677% | 1,222 |
| Net loans and leases to deposits | 91.5445% | 1,561 |
| Net loans and leases to core deposits | 99.4034% | 1,693 |
| Total domestic deposits to total assets | 85.0600% | 2,776 |
| Equity capital to assets | 8.1831% | 5,678 |
| Core capital (leverage) ratio | 8.2731% | 5,516 |
| Tier 1 risk-based capital ratio | 11.4545% | 5,117 |
| Total risk-based capital ratio | 12.1931% | 5,316 |
| Memoranda: | ||
| Average total assets | $571,572,000 | 1,221 |
| Average earning assets | $517,231,250 | 1,239 |
| Average equity | $47,383,250 | 1,603 |
| Average total loans | $436,012,500 | 1,118 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,212 |
| Cost of funding earning assets | 0.6821% | 877 |
| Net interest margin | 3.3265% | 4,136 |
| Noninterest income to average assets | 0.2559% | 4,946 |
| Noninterest expense to average assets | 2.7481% | 3,207 |
| Loan and lease loss provision to assets | 0.2507% | 770 |
| Net operating income to assets | 0.1752% | 5,572 |
| Return on assets (ROA) | 0.1833% | 5,606 |
| Pretax return on assets | 0.2711% | 5,536 |
| Return on Equity (ROE) | 2.2016% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.2016% | 4,471 |
| Net charge-offs to loans | 0.4246% | 532 |
| Credit loss provision to net charge-offs | 78.1319% | 2,385 |
| Earnings coverage of net charge-offs (x) | 1.5890% | 3,392 |
| Efficiency ratio | 84.3523% | 1,015 |
| Assets per employee ($millions) | 5.7388% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 5,600 |
| Loan loss allowance to noncurrent loans | 73.5548% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.1100% | 385 |
| Noncurrent loans to loans | 0.8914% | 2,504 |
| Net loans and leases to total assets | 77.3632% | 1,283 |
| Net loans and leases to deposits | 92.2877% | 1,473 |
| Net loans and leases to core deposits | 100.3658% | 1,606 |
| Total domestic deposits to total assets | 83.8283% | 3,339 |
| Equity capital to assets | 8.3761% | 5,662 |
| Core capital (leverage) ratio | 8.2158% | 5,592 |
| Tier 1 risk-based capital ratio | 11.6064% | 5,089 |
| Total risk-based capital ratio | 12.3267% | 5,297 |
| Memoranda: | ||
| Average total assets | $567,308,000 | 1,238 |
| Average earning assets | $511,945,000 | 1,259 |
| Average equity | $47,238,000 | 1,602 |
| Average total loans | $428,654,330 | 1,137 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,460 |
| Cost of funding earning assets | 0.6820% | 881 |
| Net interest margin | 3.2504% | 4,396 |
| Noninterest income to average assets | 0.2519% | 4,945 |
| Noninterest expense to average assets | 2.7610% | 3,209 |
| Loan and lease loss provision to assets | 0.2053% | 952 |
| Net operating income to assets | 0.1516% | 5,610 |
| Return on assets (ROA) | 0.1630% | 5,651 |
| Pretax return on assets | 0.2343% | 5,599 |
| Return on Equity (ROE) | 1.9633% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.9633% | 4,467 |
| Net charge-offs to loans | 0.4751% | 468 |
| Credit loss provision to net charge-offs | 58.0838% | 1,989 |
| Earnings coverage of net charge-offs (x) | 1.1976% | 2,850 |
| Efficiency ratio | 86.7051% | 913 |
| Assets per employee ($millions) | 5.7967% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 5,626 |
| Loan loss allowance to noncurrent loans | 45.7423% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 4.0219% | 249 |
| Noncurrent loans to loans | 1.4902% | 1,583 |
| Net loans and leases to total assets | 74.8885% | 1,571 |
| Net loans and leases to deposits | 87.2407% | 1,911 |
| Net loans and leases to core deposits | 94.2397% | 1,966 |
| Total domestic deposits to total assets | 85.8413% | 2,743 |
| Equity capital to assets | 8.4037% | 5,632 |
| Core capital (leverage) ratio | 8.2691% | 5,594 |
| Tier 1 risk-based capital ratio | 11.9273% | 4,958 |
| Total risk-based capital ratio | 12.6639% | 5,182 |
| Memoranda: | ||
| Average total assets | $566,891,000 | 1,240 |
| Average earning assets | $511,439,500 | 1,263 |
| Average equity | $47,063,000 | 1,600 |
| Average total loans | $421,764,500 | 1,156 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,993 |
| Cost of funding earning assets | 0.6740% | 940 |
| Net interest margin | 3.4077% | 3,878 |
| Noninterest income to average assets | 0.2398% | 5,164 |
| Noninterest expense to average assets | 2.8165% | 3,164 |
| Loan and lease loss provision to assets | 0.1873% | 1,192 |
| Net operating income to assets | 0.2041% | 5,562 |
| Return on assets (ROA) | 0.2104% | 5,613 |
| Pretax return on assets | 0.3076% | 5,508 |
| Return on Equity (ROE) | 2.4687% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.4687% | 4,313 |
| Net charge-offs to loans | 0.2064% | 1,425 |
| Credit loss provision to net charge-offs | 118.6992% | 2,167 |
| Earnings coverage of net charge-offs (x) | 3.0767% | 3,782 |
| Efficiency ratio | 85.2948% | 1,062 |
| Assets per employee ($millions) | 6.0798% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 5,561 |
| Loan loss allowance to noncurrent loans | 46.7149% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.9048% | 270 |
| Noncurrent loans to loans | 1.5817% | 1,451 |
| Net loans and leases to total assets | 72.8704% | 1,909 |
| Net loans and leases to deposits | 84.9932% | 2,239 |
| Net loans and leases to core deposits | 92.1459% | 2,205 |
| Total domestic deposits to total assets | 85.7368% | 2,754 |
| Equity capital to assets | 8.2019% | 5,757 |
| Core capital (leverage) ratio | 8.2834% | 5,623 |
| Tier 1 risk-based capital ratio | 11.9455% | 4,988 |
| Total risk-based capital ratio | 12.7399% | 5,167 |
| Memoranda: | ||
| Average total assets | $545,529,000 | 1,247 |
| Average earning assets | $490,241,400 | 1,273 |
| Average equity | $46,502,200 | 1,592 |
| Average total loans | $417,128,000 | 1,094 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 2,915 |
| Cost of funding earning assets | 0.6632% | 1,011 |
| Net interest margin | 3.4416% | 3,789 |
| Noninterest income to average assets | 0.2790% | 4,948 |
| Noninterest expense to average assets | 2.8749% | 2,926 |
| Loan and lease loss provision to assets | 0.2088% | 943 |
| Net operating income to assets | 0.1997% | 5,680 |
| Return on assets (ROA) | 0.2018% | 5,734 |
| Pretax return on assets | 0.2852% | 5,667 |
| Return on Equity (ROE) | 2.3443% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.3443% | 4,713 |
| Net charge-offs to loans | 0.2871% | 923 |
| Credit loss provision to net charge-offs | 94.0914% | 2,408 |
| Earnings coverage of net charge-offs (x) | 2.2129% | 3,706 |
| Efficiency ratio | 85.4130% | 1,048 |
| Assets per employee ($millions) | 5.8568% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 5,766 |
| Loan loss allowance to noncurrent loans | 48.9401% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 4.0122% | 295 |
| Noncurrent loans to loans | 1.3925% | 1,833 |
| Net loans and leases to total assets | 76.3969% | 1,333 |
| Net loans and leases to deposits | 89.6696% | 1,691 |
| Net loans and leases to core deposits | 97.1167% | 1,776 |
| Total domestic deposits to total assets | 85.1982% | 2,932 |
| Equity capital to assets | 8.4726% | 5,722 |
| Core capital (leverage) ratio | 8.3869% | 5,638 |
| Tier 1 risk-based capital ratio | 11.7334% | 5,246 |
| Total risk-based capital ratio | 12.4744% | 5,433 |
| Memoranda: | ||
| Average total assets | $539,035,000 | 1,267 |
| Average earning assets | $483,478,750 | 1,293 |
| Average equity | $46,409,250 | 1,598 |
| Average total loans | $416,520,500 | 1,099 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 2,927 |
| Cost of funding earning assets | 0.6501% | 1,103 |
| Net interest margin | 3.4418% | 3,748 |
| Noninterest income to average assets | 0.2702% | 5,021 |
| Noninterest expense to average assets | 2.9279% | 2,793 |
| Loan and lease loss provision to assets | 0.1928% | 1,033 |
| Net operating income to assets | 0.1723% | 5,758 |
| Return on assets (ROA) | 0.1756% | 5,811 |
| Pretax return on assets | 0.2384% | 5,762 |
| Return on Equity (ROE) | 2.0289% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.0289% | 4,683 |
| Net charge-offs to loans | 0.2361% | 1,096 |
| Credit loss provision to net charge-offs | 105.5215% | 1,976 |
| Earnings coverage of net charge-offs (x) | 2.3354% | 3,359 |
| Efficiency ratio | 87.2786% | 963 |
| Assets per employee ($millions) | 5.6326% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 5,806 |
| Loan loss allowance to noncurrent loans | 35.2424% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 4.4686% | 265 |
| Noncurrent loans to loans | 2.0020% | 1,218 |
| Net loans and leases to total assets | 77.1941% | 1,177 |
| Net loans and leases to deposits | 93.0541% | 1,247 |
| Net loans and leases to core deposits | 99.4319% | 1,541 |
| Total domestic deposits to total assets | 82.9561% | 3,972 |
| Equity capital to assets | 8.6185% | 5,586 |
| Core capital (leverage) ratio | 8.4750% | 5,555 |
| Tier 1 risk-based capital ratio | 11.6374% | 5,381 |
| Total risk-based capital ratio | 12.3965% | 5,567 |
| Memoranda: | ||
| Average total assets | $535,199,670 | 1,282 |
| Average earning assets | $479,636,330 | 1,310 |
| Average equity | $46,330,670 | 1,609 |
| Average total loans | $414,200,000 | 1,112 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 2,948 |
| Cost of funding earning assets | 0.6487% | 1,124 |
| Net interest margin | 3.4221% | 3,747 |
| Noninterest income to average assets | 0.2682% | 5,033 |
| Noninterest expense to average assets | 3.0419% | 2,448 |
| Loan and lease loss provision to assets | 0.1277% | 1,624 |
| Net operating income to assets | 0.1304% | 5,826 |
| Return on assets (ROA) | 0.1375% | 5,883 |
| Pretax return on assets | 0.1750% | 5,860 |
| Return on Equity (ROE) | 1.5846% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.5846% | 4,840 |
| Net charge-offs to loans | 0.2870% | 833 |
| Credit loss provision to net charge-offs | 57.6271% | 2,028 |
| Earnings coverage of net charge-offs (x) | 1.3254% | 2,934 |
| Efficiency ratio | 91.1937% | 762 |
| Assets per employee ($millions) | 5.6285% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6838% | 5,932 |
| Loan loss allowance to noncurrent loans | 34.5530% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 4.3815% | 310 |
| Noncurrent loans to loans | 1.9791% | 1,320 |
| Net loans and leases to total assets | 75.6371% | 1,262 |
| Net loans and leases to deposits | 87.7785% | 1,636 |
| Net loans and leases to core deposits | 93.5698% | 1,804 |
| Total domestic deposits to total assets | 86.1681% | 2,852 |
| Equity capital to assets | 8.5730% | 5,687 |
| Core capital (leverage) ratio | 8.3977% | 5,636 |
| Tier 1 risk-based capital ratio | 11.8227% | 5,357 |
| Total risk-based capital ratio | 12.5646% | 5,565 |
| Memoranda: | ||
| Average total assets | $532,433,500 | 1,284 |
| Average earning assets | $477,244,000 | 1,320 |
| Average equity | $46,194,500 | 1,618 |
| Average total loans | $411,110,500 | 1,113 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,359 |
| Cost of funding earning assets | 0.7105% | 1,047 |
| Net interest margin | 3.3803% | 4,279 |
| Noninterest income to average assets | 0.2854% | 5,080 |
| Noninterest expense to average assets | 2.8580% | 3,269 |
| Loan and lease loss provision to assets | 0.2721% | 794 |
| Net operating income to assets | 0.1363% | 5,901 |
| Return on assets (ROA) | 0.1407% | 5,940 |
| Pretax return on assets | 0.1813% | 5,898 |
| Return on Equity (ROE) | 1.6414% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.6414% | 4,990 |
| Net charge-offs to loans | 0.4172% | 1,021 |
| Credit loss provision to net charge-offs | 84.7279% | 2,766 |
| Earnings coverage of net charge-offs (x) | 1.3944% | 4,428 |
| Efficiency ratio | 86.4556% | 1,125 |
| Assets per employee ($millions) | 5.2983% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 5,962 |
| Loan loss allowance to noncurrent loans | 27.7683% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 4.8937% | 288 |
| Noncurrent loans to loans | 2.5770% | 974 |
| Net loans and leases to total assets | 77.7406% | 1,031 |
| Net loans and leases to deposits | 90.9576% | 1,406 |
| Net loans and leases to core deposits | 97.3691% | 1,604 |
| Total domestic deposits to total assets | 85.4691% | 3,092 |
| Equity capital to assets | 8.7824% | 5,504 |
| Core capital (leverage) ratio | 8.4285% | 5,634 |
| Tier 1 risk-based capital ratio | 11.9353% | 5,407 |
| Total risk-based capital ratio | 12.7250% | 5,599 |
| Memoranda: | ||
| Average total assets | $532,219,400 | 1,261 |
| Average earning assets | $475,555,800 | 1,283 |
| Average equity | $45,632,600 | 1,575 |
| Average total loans | $409,618,200 | 1,070 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,435 |
| Cost of funding earning assets | 0.7148% | 1,080 |
| Net interest margin | 3.3715% | 4,346 |
| Noninterest income to average assets | 0.2456% | 5,450 |
| Noninterest expense to average assets | 2.8306% | 3,346 |
| Loan and lease loss provision to assets | 0.2566% | 834 |
| Net operating income to assets | 0.1345% | 5,971 |
| Return on assets (ROA) | 0.1345% | 6,006 |
| Pretax return on assets | 0.1702% | 5,984 |
| Return on Equity (ROE) | 1.5786% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.5786% | 5,254 |
| Net charge-offs to loans | 0.4537% | 863 |
| Credit loss provision to net charge-offs | 73.7976% | 2,699 |
| Earnings coverage of net charge-offs (x) | 1.2276% | 4,200 |
| Efficiency ratio | 86.8966% | 1,103 |
| Assets per employee ($millions) | 5.5251% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 6,109 |
| Loan loss allowance to noncurrent loans | 28.9729% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 5.1143% | 329 |
| Noncurrent loans to loans | 2.4040% | 1,239 |
| Net loans and leases to total assets | 76.2043% | 1,195 |
| Net loans and leases to deposits | 89.5209% | 1,478 |
| Net loans and leases to core deposits | 97.9786% | 1,527 |
| Total domestic deposits to total assets | 85.1245% | 3,291 |
| Equity capital to assets | 8.6331% | 5,694 |
| Core capital (leverage) ratio | 8.4004% | 5,756 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,561 |
| Total risk-based capital ratio | 12.6529% | 5,769 |
| Memoranda: | ||
| Average total assets | $534,142,000 | 1,261 |
| Average earning assets | $477,163,000 | 1,297 |
| Average equity | $45,524,250 | 1,580 |
| Average total loans | $409,345,000 | 1,074 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,511 |
| Cost of funding earning assets | 0.7240% | 1,057 |
| Net interest margin | 3.3346% | 4,454 |
| Noninterest income to average assets | 0.2413% | 5,466 |
| Noninterest expense to average assets | 2.8099% | 3,464 |
| Loan and lease loss provision to assets | 0.2701% | 770 |
| Net operating income to assets | 0.1169% | 6,011 |
| Return on assets (ROA) | 0.1169% | 6,054 |
| Pretax return on assets | 0.1412% | 6,041 |
| Return on Equity (ROE) | 1.3778% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.3778% | 5,195 |
| Net charge-offs to loans | 0.5476% | 743 |
| Credit loss provision to net charge-offs | 64.3811% | 2,570 |
| Earnings coverage of net charge-offs (x) | 0.9804% | 3,924 |
| Efficiency ratio | 87.2318% | 1,163 |
| Assets per employee ($millions) | 5.5523% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 6,208 |
| Loan loss allowance to noncurrent loans | 20.7592% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 5.2659% | 324 |
| Noncurrent loans to loans | 3.2630% | 855 |
| Net loans and leases to total assets | 77.0254% | 1,048 |
| Net loans and leases to deposits | 93.6358% | 993 |
| Net loans and leases to core deposits | 102.5941% | 1,100 |
| Total domestic deposits to total assets | 82.2607% | 4,565 |
| Equity capital to assets | 8.5736% | 5,740 |
| Core capital (leverage) ratio | 8.3394% | 5,809 |
| Tier 1 risk-based capital ratio | 11.7792% | 5,648 |
| Total risk-based capital ratio | 12.5246% | 5,862 |
| Memoranda: | ||
| Average total assets | $535,386,000 | 1,254 |
| Average earning assets | $478,431,670 | 1,287 |
| Average equity | $45,435,330 | 1,573 |
| Average total loans | $410,116,670 | 1,062 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,550 |
| Cost of funding earning assets | 0.7276% | 1,090 |
| Net interest margin | 3.3054% | 4,510 |
| Noninterest income to average assets | 0.2468% | 5,386 |
| Noninterest expense to average assets | 2.8410% | 3,412 |
| Loan and lease loss provision to assets | 0.2833% | 715 |
| Net operating income to assets | 0.0805% | 6,069 |
| Return on assets (ROA) | 0.0805% | 6,094 |
| Pretax return on assets | 0.0723% | 6,119 |
| Return on Equity (ROE) | 0.9536% | 6,050 |
| Retained earnings to average equity (ytd only) | 0.9536% | 5,219 |
| Net charge-offs to loans | 0.1028% | 2,145 |
| Credit loss provision to net charge-offs | 361.9048% | 694 |
| Earnings coverage of net charge-offs (x) | 4.5429% | 2,510 |
| Efficiency ratio | 88.8759% | 1,143 |
| Assets per employee ($millions) | 5.7082% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,004 |
| Loan loss allowance to noncurrent loans | 23.3991% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 5.6742% | 324 |
| Noncurrent loans to loans | 3.6339% | 781 |
| Net loans and leases to total assets | 75.5180% | 1,058 |
| Net loans and leases to deposits | 89.0545% | 1,247 |
| Net loans and leases to core deposits | 95.7583% | 1,401 |
| Total domestic deposits to total assets | 84.7997% | 3,956 |
| Equity capital to assets | 8.4615% | 5,686 |
| Core capital (leverage) ratio | 8.2734% | 5,873 |
| Tier 1 risk-based capital ratio | 11.7656% | 5,781 |
| Total risk-based capital ratio | 12.6964% | 5,893 |
| Memoranda: | ||
| Average total assets | $536,569,500 | 1,263 |
| Average earning assets | $478,857,000 | 1,293 |
| Average equity | $45,303,500 | 1,572 |
| Average total loans | $408,495,000 | 1,071 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 3,285 |
| Cost of funding earning assets | 0.8790% | 823 |
| Net interest margin | 3.3370% | 4,528 |
| Noninterest income to average assets | 0.2224% | 5,745 |
| Noninterest expense to average assets | 2.7913% | 3,757 |
| Loan and lease loss provision to assets | 0.3840% | 791 |
| Net operating income to assets | 0.0337% | 6,158 |
| Return on assets (ROA) | 0.0513% | 6,177 |
| Pretax return on assets | 0.0375% | 6,172 |
| Return on Equity (ROE) | 0.6047% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.6047% | 5,564 |
| Net charge-offs to loans | 0.7344% | 876 |
| Credit loss provision to net charge-offs | 69.4150% | 3,322 |
| Earnings coverage of net charge-offs (x) | 0.7301% | 4,848 |
| Efficiency ratio | 87.3586% | 1,285 |
| Assets per employee ($millions) | 5.7696% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 6,209 |
| Loan loss allowance to noncurrent loans | 21.1305% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 5.6285% | 366 |
| Noncurrent loans to loans | 3.7090% | 813 |
| Net loans and leases to total assets | 75.4997% | 1,147 |
| Net loans and leases to deposits | 91.3774% | 1,123 |
| Net loans and leases to core deposits | 97.6679% | 1,333 |
| Total domestic deposits to total assets | 82.6240% | 4,670 |
| Equity capital to assets | 8.4248% | 5,661 |
| Core capital (leverage) ratio | 8.1822% | 5,991 |
| Tier 1 risk-based capital ratio | 11.7610% | 5,767 |
| Total risk-based capital ratio | 12.6234% | 5,909 |
| Memoranda: | ||
| Average total assets | $528,318,600 | 1,258 |
| Average earning assets | $470,668,800 | 1,294 |
| Average equity | $44,813,000 | 1,557 |
| Average total loans | $398,016,400 | 1,080 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 3,299 |
| Cost of funding earning assets | 0.9117% | 771 |
| Net interest margin | 3.3124% | 4,595 |
| Noninterest income to average assets | 0.2268% | 5,808 |
| Noninterest expense to average assets | 2.7694% | 3,763 |
| Loan and lease loss provision to assets | 0.4231% | 692 |
| Net operating income to assets | 0.0171% | 6,273 |
| Return on assets (ROA) | 0.0263% | 6,318 |
| Pretax return on assets | -0.0020% | 6,325 |
| Return on Equity (ROE) | 0.3101% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.3101% | 5,845 |
| Net charge-offs to loans | 0.9275% | 626 |
| Credit loss provision to net charge-offs | 60.7052% | 3,284 |
| Earnings coverage of net charge-offs (x) | 0.5834% | 4,663 |
| Efficiency ratio | 87.1969% | 1,239 |
| Assets per employee ($millions) | 5.8446% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 6,363 |
| Loan loss allowance to noncurrent loans | 19.2462% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 5.6559% | 448 |
| Noncurrent loans to loans | 3.9156% | 904 |
| Net loans and leases to total assets | 73.7950% | 1,317 |
| Net loans and leases to deposits | 86.5897% | 1,542 |
| Net loans and leases to core deposits | 92.3117% | 1,746 |
| Total domestic deposits to total assets | 85.2237% | 3,621 |
| Equity capital to assets | 8.3810% | 5,848 |
| Core capital (leverage) ratio | 8.1162% | 6,138 |
| Tier 1 risk-based capital ratio | 11.7096% | 5,942 |
| Total risk-based capital ratio | 12.5244% | 6,123 |
| Memoranda: | ||
| Average total assets | $526,256,000 | 1,277 |
| Average earning assets | $468,575,250 | 1,309 |
| Average equity | $44,715,000 | 1,581 |
| Average total loans | $395,443,500 | 1,083 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 3,048 |
| Cost of funding earning assets | 0.9521% | 708 |
| Net interest margin | 3.3248% | 4,469 |
| Noninterest income to average assets | 0.2255% | 5,830 |
| Noninterest expense to average assets | 2.8221% | 3,597 |
| Loan and lease loss provision to assets | 0.4801% | 586 |
| Net operating income to assets | -0.0366% | 6,342 |
| Return on assets (ROA) | -0.0226% | 6,383 |
| Pretax return on assets | -0.0992% | 6,431 |
| Return on Equity (ROE) | -0.2646% | 6,389 |
| Retained earnings to average equity (ytd only) | -0.2646% | 5,906 |
| Net charge-offs to loans | 0.8873% | 705 |
| Credit loss provision to net charge-offs | 71.7391% | 2,786 |
| Earnings coverage of net charge-offs (x) | 0.5366% | 4,361 |
| Efficiency ratio | 88.7124% | 1,154 |
| Assets per employee ($millions) | 5.7251% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 6,104 |
| Loan loss allowance to noncurrent loans | 21.6646% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 5.8739% | 471 |
| Noncurrent loans to loans | 4.2013% | 892 |
| Net loans and leases to total assets | 73.6078% | 1,314 |
| Net loans and leases to deposits | 87.5301% | 1,403 |
| Net loans and leases to core deposits | 94.3185% | 1,496 |
| Total domestic deposits to total assets | 84.0943% | 4,277 |
| Equity capital to assets | 8.3533% | 5,920 |
| Core capital (leverage) ratio | 8.1848% | 6,024 |
| Tier 1 risk-based capital ratio | 11.7985% | 5,912 |
| Total risk-based capital ratio | 12.7815% | 6,059 |
| Memoranda: | ||
| Average total assets | $522,439,330 | 1,282 |
| Average earning assets | $464,447,670 | 1,314 |
| Average equity | $44,598,330 | 1,591 |
| Average total loans | $393,987,000 | 1,088 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,914 |
| Cost of funding earning assets | 0.9879% | 655 |
| Net interest margin | 3.3069% | 4,492 |
| Noninterest income to average assets | 0.2505% | 5,670 |
| Noninterest expense to average assets | 2.8355% | 3,581 |
| Loan and lease loss provision to assets | 0.7730% | 284 |
| Net operating income to assets | -0.2095% | 6,524 |
| Return on assets (ROA) | -0.2095% | 6,559 |
| Pretax return on assets | -0.4236% | 6,649 |
| Return on Equity (ROE) | -2.4273% | 6,584 |
| Retained earnings to average equity (ytd only) | -2.4273% | 6,133 |
| Net charge-offs to loans | 1.9429% | 244 |
| Credit loss provision to net charge-offs | 52.3560% | 2,569 |
| Earnings coverage of net charge-offs (x) | 0.2366% | 3,739 |
| Efficiency ratio | 89.0291% | 1,228 |
| Assets per employee ($millions) | 5.9123% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 6,434 |
| Loan loss allowance to noncurrent loans | 20.5565% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 6.0392% | 528 |
| Noncurrent loans to loans | 3.9651% | 1,144 |
| Net loans and leases to total assets | 74.4683% | 1,016 |
| Net loans and leases to deposits | 90.2012% | 948 |
| Net loans and leases to core deposits | 97.3257% | 1,126 |
| Total domestic deposits to total assets | 82.5579% | 5,006 |
| Equity capital to assets | 8.5556% | 5,959 |
| Core capital (leverage) ratio | 8.3436% | 5,768 |
| Tier 1 risk-based capital ratio | 11.8394% | 6,002 |
| Total risk-based capital ratio | 12.7177% | 6,176 |
| Memoranda: | ||
| Average total assets | $517,440,000 | 1,305 |
| Average earning assets | $459,168,000 | 1,335 |
| Average equity | $44,659,500 | 1,601 |
| Average total loans | $393,222,500 | 1,083 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 3,398 |
| Cost of funding earning assets | 1.1731% | 654 |
| Net interest margin | 3.3250% | 5,162 |
| Noninterest income to average assets | 0.2997% | 5,319 |
| Noninterest expense to average assets | 2.7722% | 4,136 |
| Loan and lease loss provision to assets | 0.2949% | 2,317 |
| Net operating income to assets | 0.1504% | 5,894 |
| Return on assets (ROA) | 0.1913% | 5,976 |
| Pretax return on assets | 0.2383% | 5,933 |
| Return on Equity (ROE) | 2.2384% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.2384% | 4,664 |
| Net charge-offs to loans | 0.3312% | 2,984 |
| Credit loss provision to net charge-offs | 119.1291% | 2,413 |
| Earnings coverage of net charge-offs (x) | 1.9471% | 4,448 |
| Efficiency ratio | 85.1904% | 1,501 |
| Assets per employee ($millions) | 5.7820% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,835 |
| Loan loss allowance to noncurrent loans | 18.3785% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 6.8510% | 456 |
| Noncurrent loans to loans | 5.6279% | 645 |
| Net loans and leases to total assets | 76.1219% | 894 |
| Net loans and leases to deposits | 91.7698% | 932 |
| Net loans and leases to core deposits | 98.5454% | 1,106 |
| Total domestic deposits to total assets | 82.9488% | 4,741 |
| Equity capital to assets | 8.7070% | 5,845 |
| Core capital (leverage) ratio | 8.5558% | 5,532 |
| Tier 1 risk-based capital ratio | 11.9824% | 5,802 |
| Total risk-based capital ratio | 13.1121% | 5,828 |
| Memoranda: | ||
| Average total assets | $519,580,000 | 1,282 |
| Average earning assets | $461,679,400 | 1,320 |
| Average equity | $44,407,000 | 1,567 |
| Average total loans | $388,286,400 | 1,076 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 3,473 |
| Cost of funding earning assets | 1.2197% | 639 |
| Net interest margin | 3.3187% | 5,318 |
| Noninterest income to average assets | 0.2637% | 5,673 |
| Noninterest expense to average assets | 2.7837% | 4,042 |
| Loan and lease loss provision to assets | 0.2793% | 2,333 |
| Net operating income to assets | 0.1278% | 6,079 |
| Return on assets (ROA) | 0.1718% | 6,138 |
| Pretax return on assets | 0.2010% | 6,120 |
| Return on Equity (ROE) | 2.0192% | 6,017 |
| Retained earnings to average equity (ytd only) | 2.0192% | 5,313 |
| Net charge-offs to loans | 0.3730% | 2,605 |
| Credit loss provision to net charge-offs | 100.9251% | 2,926 |
| Earnings coverage of net charge-offs (x) | 1.5486% | 4,504 |
| Efficiency ratio | 86.6592% | 1,329 |
| Assets per employee ($millions) | 5.7171% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,117 |
| Loan loss allowance to noncurrent loans | 19.1464% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 6.5899% | 563 |
| Noncurrent loans to loans | 5.1783% | 857 |
| Net loans and leases to total assets | 75.7178% | 1,012 |
| Net loans and leases to deposits | 91.7810% | 992 |
| Net loans and leases to core deposits | 98.6708% | 1,214 |
| Total domestic deposits to total assets | 82.4984% | 4,835 |
| Equity capital to assets | 8.7661% | 6,051 |
| Core capital (leverage) ratio | 8.4020% | 5,893 |
| Tier 1 risk-based capital ratio | 12.1237% | 5,870 |
| Total risk-based capital ratio | 13.2105% | 5,943 |
| Memoranda: | ||
| Average total assets | $520,825,500 | 1,299 |
| Average earning assets | $462,734,250 | 1,337 |
| Average equity | $44,307,250 | 1,587 |
| Average total loans | $386,404,000 | 1,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 3,654 |
| Cost of funding earning assets | 1.2721% | 592 |
| Net interest margin | 3.2553% | 5,579 |
| Noninterest income to average assets | 0.2199% | 5,996 |
| Noninterest expense to average assets | 2.7933% | 4,037 |
| Loan and lease loss provision to assets | 0.2527% | 2,556 |
| Net operating income to assets | 0.0618% | 6,236 |
| Return on assets (ROA) | 0.1334% | 6,248 |
| Pretax return on assets | 0.1433% | 6,236 |
| Return on Equity (ROE) | 1.5834% | 6,169 |
| Retained earnings to average equity (ytd only) | 1.5834% | 5,412 |
| Net charge-offs to loans | 0.3684% | 2,544 |
| Credit loss provision to net charge-offs | 93.3803% | 2,944 |
| Earnings coverage of net charge-offs (x) | 1.1789% | 4,419 |
| Efficiency ratio | 89.7514% | 1,088 |
| Assets per employee ($millions) | 5.8642% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,176 |
| Loan loss allowance to noncurrent loans | 15.2192% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 7.8338% | 444 |
| Noncurrent loans to loans | 6.5478% | 638 |
| Net loans and leases to total assets | 71.5494% | 1,637 |
| Net loans and leases to deposits | 87.8011% | 1,385 |
| Net loans and leases to core deposits | 94.2140% | 1,583 |
| Total domestic deposits to total assets | 81.4903% | 5,303 |
| Equity capital to assets | 8.4049% | 6,297 |
| Core capital (leverage) ratio | 8.1816% | 6,067 |
| Tier 1 risk-based capital ratio | 12.3925% | 5,655 |
| Total risk-based capital ratio | 13.4969% | 5,738 |
| Memoranda: | ||
| Average total assets | $524,826,670 | 1,289 |
| Average earning assets | $466,313,330 | 1,327 |
| Average equity | $44,208,330 | 1,579 |
| Average total loans | $385,496,330 | 1,097 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 3,753 |
| Cost of funding earning assets | 1.2988% | 635 |
| Net interest margin | 3.2414% | 5,660 |
| Noninterest income to average assets | 0.2599% | 5,788 |
| Noninterest expense to average assets | 2.8669% | 3,759 |
| Loan and lease loss provision to assets | 0.2469% | 2,493 |
| Net operating income to assets | 0.0642% | 6,310 |
| Return on assets (ROA) | 0.1131% | 6,338 |
| Pretax return on assets | 0.0810% | 6,412 |
| Return on Equity (ROE) | 1.3414% | 6,279 |
| Retained earnings to average equity (ytd only) | 1.3414% | 5,566 |
| Net charge-offs to loans | 0.1682% | 3,080 |
| Credit loss provision to net charge-offs | 198.1595% | 1,354 |
| Earnings coverage of net charge-offs (x) | 2.2393% | 3,270 |
| Efficiency ratio | 91.1322% | 1,007 |
| Assets per employee ($millions) | 5.7819% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 6,113 |
| Loan loss allowance to noncurrent loans | 15.3053% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 7.8576% | 495 |
| Noncurrent loans to loans | 6.8042% | 679 |
| Net loans and leases to total assets | 73.1893% | 1,188 |
| Net loans and leases to deposits | 89.4541% | 1,014 |
| Net loans and leases to core deposits | 96.0494% | 1,297 |
| Total domestic deposits to total assets | 81.8177% | 5,358 |
| Equity capital to assets | 8.4939% | 6,084 |
| Core capital (leverage) ratio | 8.1628% | 6,078 |
| Tier 1 risk-based capital ratio | 12.3195% | 5,742 |
| Total risk-based capital ratio | 13.4789% | 5,775 |
| Memoranda: | ||
| Average total assets | $523,351,000 | 1,296 |
| Average earning assets | $465,973,000 | 1,335 |
| Average equity | $44,133,000 | 1,575 |
| Average total loans | $387,533,000 | 1,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 4,134 |
| Cost of funding earning assets | 1.4964% | 731 |
| Net interest margin | 3.2306% | 6,012 |
| Noninterest income to average assets | 0.2385% | 5,830 |
| Noninterest expense to average assets | 2.7833% | 4,407 |
| Loan and lease loss provision to assets | 0.3332% | 3,030 |
| Net operating income to assets | -0.0045% | 6,044 |
| Return on assets (ROA) | 0.0341% | 6,099 |
| Pretax return on assets | 0.0362% | 6,062 |
| Return on Equity (ROE) | 0.4119% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.4119% | 5,639 |
| Net charge-offs to loans | 0.5580% | 2,787 |
| Credit loss provision to net charge-offs | 80.0364% | 4,446 |
| Earnings coverage of net charge-offs (x) | 0.7885% | 5,201 |
| Efficiency ratio | 89.4506% | 1,230 |
| Assets per employee ($millions) | 5.9138% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 6,284 |
| Loan loss allowance to noncurrent loans | 15.4309% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 7.5358% | 578 |
| Noncurrent loans to loans | 6.3908% | 744 |
| Net loans and leases to total assets | 73.4051% | 1,376 |
| Net loans and leases to deposits | 89.9620% | 1,163 |
| Net loans and leases to core deposits | 96.7803% | 1,430 |
| Total domestic deposits to total assets | 81.5957% | 5,268 |
| Equity capital to assets | 8.3724% | 6,278 |
| Core capital (leverage) ratio | 8.0399% | 6,213 |
| Tier 1 risk-based capital ratio | 11.9692% | 5,860 |
| Total risk-based capital ratio | 13.0602% | 5,933 |
| Memoranda: | ||
| Average total assets | $528,252,400 | 1,265 |
| Average earning assets | $469,786,600 | 1,304 |
| Average equity | $43,695,600 | 1,548 |
| Average total loans | $394,097,600 | 1,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 4,110 |
| Cost of funding earning assets | 1.5351% | 754 |
| Net interest margin | 3.2429% | 6,038 |
| Noninterest income to average assets | 0.2234% | 6,019 |
| Noninterest expense to average assets | 2.7855% | 4,398 |
| Loan and lease loss provision to assets | 0.3505% | 2,770 |
| Net operating income to assets | -0.0210% | 6,181 |
| Return on assets (ROA) | 0.0030% | 6,252 |
| Pretax return on assets | 0.0043% | 6,225 |
| Return on Equity (ROE) | 0.0367% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.0367% | 5,944 |
| Net charge-offs to loans | 0.6294% | 2,361 |
| Credit loss provision to net charge-offs | 74.5308% | 4,338 |
| Earnings coverage of net charge-offs (x) | 0.6826% | 5,114 |
| Efficiency ratio | 89.6664% | 1,190 |
| Assets per employee ($millions) | 5.8225% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 6,320 |
| Loan loss allowance to noncurrent loans | 13.5369% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 8.5407% | 489 |
| Noncurrent loans to loans | 7.3130% | 656 |
| Net loans and leases to total assets | 72.7553% | 1,556 |
| Net loans and leases to deposits | 89.2835% | 1,289 |
| Net loans and leases to core deposits | 96.5677% | 1,547 |
| Total domestic deposits to total assets | 81.4880% | 5,259 |
| Equity capital to assets | 8.3800% | 6,411 |
| Core capital (leverage) ratio | 8.0724% | 6,315 |
| Tier 1 risk-based capital ratio | 12.1132% | 5,805 |
| Total risk-based capital ratio | 13.2084% | 5,906 |
| Memoranda: | ||
| Average total assets | $528,733,750 | 1,270 |
| Average earning assets | $470,066,250 | 1,306 |
| Average equity | $43,603,000 | 1,555 |
| Average total loans | $395,072,250 | 1,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 4,062 |
| Cost of funding earning assets | 1.5721% | 780 |
| Net interest margin | 3.2379% | 6,034 |
| Noninterest income to average assets | 0.1184% | 6,738 |
| Noninterest expense to average assets | 2.7920% | 4,457 |
| Loan and lease loss provision to assets | 0.3315% | 2,791 |
| Net operating income to assets | -0.0428% | 6,287 |
| Return on assets (ROA) | -0.0249% | 6,326 |
| Pretax return on assets | -0.0962% | 6,361 |
| Return on Equity (ROE) | -0.3035% | 6,334 |
| Retained earnings to average equity (ytd only) | -0.3035% | 5,908 |
| Net charge-offs to loans | 0.6822% | 2,134 |
| Credit loss provision to net charge-offs | 64.6799% | 4,212 |
| Earnings coverage of net charge-offs (x) | 0.4047% | 5,000 |
| Efficiency ratio | 93.0844% | 1,037 |
| Assets per employee ($millions) | 5.6609% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 6,495 |
| Loan loss allowance to noncurrent loans | 14.3612% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 7.9255% | 590 |
| Noncurrent loans to loans | 6.6513% | 816 |
| Net loans and leases to total assets | 74.9807% | 1,247 |
| Net loans and leases to deposits | 93.6922% | 894 |
| Net loans and leases to core deposits | 101.4456% | 1,215 |
| Total domestic deposits to total assets | 80.0288% | 5,817 |
| Equity capital to assets | 8.3212% | 6,395 |
| Core capital (leverage) ratio | 7.9558% | 6,352 |
| Tier 1 risk-based capital ratio | 11.8751% | 5,882 |
| Total risk-based capital ratio | 12.9487% | 6,016 |
| Memoranda: | ||
| Average total assets | $530,304,330 | 1,262 |
| Average earning assets | $471,852,670 | 1,307 |
| Average equity | $43,499,670 | 1,545 |
| Average total loans | $398,407,670 | 1,086 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 4,240 |
| Cost of funding earning assets | 1.5924% | 842 |
| Net interest margin | 3.1712% | 6,163 |
| Noninterest income to average assets | 0.0970% | 6,928 |
| Noninterest expense to average assets | 2.9131% | 4,007 |
| Loan and lease loss provision to assets | 0.3585% | 2,406 |
| Net operating income to assets | -0.1581% | 6,516 |
| Return on assets (ROA) | -0.1413% | 6,518 |
| Pretax return on assets | -0.3254% | 6,636 |
| Return on Equity (ROE) | -1.7349% | 6,558 |
| Retained earnings to average equity (ytd only) | -1.7349% | 6,105 |
| Net charge-offs to loans | 1.0002% | 1,358 |
| Credit loss provision to net charge-offs | 47.8916% | 3,802 |
| Earnings coverage of net charge-offs (x) | 0.0090% | 4,571 |
| Efficiency ratio | 99.7683% | 756 |
| Assets per employee ($millions) | 5.9096% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,560 |
| Loan loss allowance to noncurrent loans | 14.6228% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 7.8358% | 617 |
| Noncurrent loans to loans | 6.4710% | 925 |
| Net loans and leases to total assets | 73.3464% | 1,449 |
| Net loans and leases to deposits | 91.2253% | 1,091 |
| Net loans and leases to core deposits | 98.7581% | 1,449 |
| Total domestic deposits to total assets | 80.4014% | 5,839 |
| Equity capital to assets | 8.0453% | 6,456 |
| Core capital (leverage) ratio | 7.9006% | 6,363 |
| Tier 1 risk-based capital ratio | 11.6592% | 5,973 |
| Total risk-based capital ratio | 12.7090% | 6,120 |
| Memoranda: | ||
| Average total assets | $532,225,500 | 1,264 |
| Average earning assets | $473,763,000 | 1,302 |
| Average equity | $43,345,500 | 1,541 |
| Average total loans | $398,335,500 | 1,100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,196 |
| Cost of funding earning assets | 1.8258% | 1,074 |
| Net interest margin | 3.2513% | 6,128 |
| Noninterest income to average assets | 0.3307% | 5,428 |
| Noninterest expense to average assets | 2.5800% | 5,504 |
| Loan and lease loss provision to assets | 0.4947% | 3,180 |
| Net operating income to assets | 0.7790% | 2,887 |
| Return on assets (ROA) | 0.8563% | 2,700 |
| Pretax return on assets | 0.2335% | 5,399 |
| Return on Equity (ROE) | 11.1548% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.1548% | 361 |
| Net charge-offs to loans | 1.0062% | 2,182 |
| Credit loss provision to net charge-offs | 63.6967% | 6,013 |
| Earnings coverage of net charge-offs (x) | 0.8382% | 5,291 |
| Efficiency ratio | 79.8542% | 2,437 |
| Assets per employee ($millions) | 5.6632% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 6,042 |
| Loan loss allowance to noncurrent loans | 14.5465% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 8.0575% | 611 |
| Noncurrent loans to loans | 7.3962% | 741 |
| Net loans and leases to total assets | 74.8425% | 1,508 |
| Net loans and leases to deposits | 94.9691% | 961 |
| Net loans and leases to core deposits | 102.6885% | 1,400 |
| Total domestic deposits to total assets | 78.8072% | 6,132 |
| Equity capital to assets | 8.2451% | 6,212 |
| Core capital (leverage) ratio | 7.8803% | 6,344 |
| Tier 1 risk-based capital ratio | 11.7607% | 5,682 |
| Total risk-based capital ratio | 12.9552% | 5,727 |
| Memoranda: | ||
| Average total assets | $543,409,800 | 1,236 |
| Average earning assets | $484,729,800 | 1,273 |
| Average equity | $41,713,000 | 1,588 |
| Average total loans | $419,396,400 | 1,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 4,216 |
| Cost of funding earning assets | 1.8598% | 1,166 |
| Net interest margin | 3.2610% | 6,142 |
| Noninterest income to average assets | 0.2878% | 5,816 |
| Noninterest expense to average assets | 2.4891% | 5,751 |
| Loan and lease loss provision to assets | 0.5671% | 2,670 |
| Net operating income to assets | 0.9727% | 2,327 |
| Return on assets (ROA) | 1.0750% | 2,096 |
| Pretax return on assets | 0.2425% | 5,631 |
| Return on Equity (ROE) | 14.2583% | 982 |
| Retained earnings to average equity (ytd only) | 14.2583% | 259 |
| Net charge-offs to loans | 1.0619% | 1,911 |
| Credit loss provision to net charge-offs | 68.8646% | 5,451 |
| Earnings coverage of net charge-offs (x) | 0.8590% | 5,189 |
| Efficiency ratio | 77.8717% | 2,641 |
| Assets per employee ($millions) | 5.9136% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,644 |
| Loan loss allowance to noncurrent loans | 17.0220% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 7.5545% | 690 |
| Noncurrent loans to loans | 6.8482% | 839 |
| Net loans and leases to total assets | 75.0892% | 1,572 |
| Net loans and leases to deposits | 93.8883% | 1,212 |
| Net loans and leases to core deposits | 100.4847% | 1,806 |
| Total domestic deposits to total assets | 79.9772% | 5,716 |
| Equity capital to assets | 8.0808% | 6,732 |
| Core capital (leverage) ratio | 7.7998% | 6,569 |
| Tier 1 risk-based capital ratio | 11.3377% | 6,067 |
| Total risk-based capital ratio | 12.5883% | 6,062 |
| Memoranda: | ||
| Average total assets | $547,593,750 | 1,236 |
| Average earning assets | $488,422,000 | 1,274 |
| Average equity | $41,285,000 | 1,607 |
| Average total loans | $424,629,750 | 1,062 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 3,986 |
| Cost of funding earning assets | 1.8994% | 1,237 |
| Net interest margin | 3.2958% | 6,031 |
| Noninterest income to average assets | 0.3174% | 5,619 |
| Noninterest expense to average assets | 2.6775% | 5,002 |
| Loan and lease loss provision to assets | 0.4518% | 3,063 |
| Net operating income to assets | 1.3760% | 1,135 |
| Return on assets (ROA) | 1.5121% | 958 |
| Pretax return on assets | 0.2607% | 5,625 |
| Return on Equity (ROE) | 20.5369% | 288 |
| Retained earnings to average equity (ytd only) | 20.5369% | 82 |
| Net charge-offs to loans | 0.8849% | 2,063 |
| Credit loss provision to net charge-offs | 65.4048% | 5,089 |
| Earnings coverage of net charge-offs (x) | 0.8344% | 4,935 |
| Efficiency ratio | 82.2879% | 2,124 |
| Assets per employee ($millions) | 6.1073% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,244 |
| Loan loss allowance to noncurrent loans | 20.7786% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 7.0822% | 744 |
| Noncurrent loans to loans | 5.9627% | 1,077 |
| Net loans and leases to total assets | 75.6875% | 1,547 |
| Net loans and leases to deposits | 95.2436% | 1,119 |
| Net loans and leases to core deposits | 102.8652% | 1,748 |
| Total domestic deposits to total assets | 79.4673% | 5,899 |
| Equity capital to assets | 7.9527% | 6,805 |
| Core capital (leverage) ratio | 7.5726% | 6,759 |
| Tier 1 risk-based capital ratio | 10.7675% | 6,473 |
| Total risk-based capital ratio | 12.0187% | 6,458 |
| Memoranda: | ||
| Average total assets | $550,744,670 | 1,232 |
| Average earning assets | $490,680,000 | 1,271 |
| Average equity | $40,551,330 | 1,637 |
| Average total loans | $429,889,000 | 1,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 3,852 |
| Cost of funding earning assets | 1.9025% | 1,438 |
| Net interest margin | 3.3328% | 5,849 |
| Noninterest income to average assets | 0.3254% | 5,549 |
| Noninterest expense to average assets | 2.6374% | 5,198 |
| Loan and lease loss provision to assets | 0.5412% | 2,338 |
| Net operating income to assets | 0.1508% | 5,854 |
| Return on assets (ROA) | 0.3456% | 5,223 |
| Pretax return on assets | 0.3464% | 5,470 |
| Return on Equity (ROE) | 4.8861% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.8861% | 3,215 |
| Net charge-offs to loans | 0.6945% | 2,105 |
| Credit loss provision to net charge-offs | 98.9446% | 3,476 |
| Earnings coverage of net charge-offs (x) | 1.2665% | 3,992 |
| Efficiency ratio | 79.1983% | 2,685 |
| Assets per employee ($millions) | 6.1205% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,712 |
| Loan loss allowance to noncurrent loans | 22.3750% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 6.5488% | 868 |
| Noncurrent loans to loans | 6.0052% | 1,095 |
| Net loans and leases to total assets | 77.4564% | 1,259 |
| Net loans and leases to deposits | 97.5012% | 957 |
| Net loans and leases to core deposits | 108.0930% | 1,411 |
| Total domestic deposits to total assets | 79.4415% | 5,979 |
| Equity capital to assets | 7.1668% | 7,302 |
| Core capital (leverage) ratio | 7.2034% | 7,106 |
| Tier 1 risk-based capital ratio | 10.1625% | 6,919 |
| Total risk-based capital ratio | 11.4151% | 6,905 |
| Memoranda: | ||
| Average total assets | $554,343,000 | 1,251 |
| Average earning assets | $499,758,000 | 1,284 |
| Average equity | $39,213,500 | 1,713 |
| Average total loans | $436,554,000 | 1,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 5,530 |
| Cost of funding earning assets | 2.2759% | 1,749 |
| Net interest margin | 2.9493% | 6,757 |
| Noninterest income to average assets | 0.2596% | 6,256 |
| Noninterest expense to average assets | 2.7519% | 5,159 |
| Loan and lease loss provision to assets | 0.8290% | 2,651 |
| Net operating income to assets | -0.5415% | 6,227 |
| Return on assets (ROA) | -0.2954% | 5,966 |
| Pretax return on assets | -0.3472% | 5,877 |
| Return on Equity (ROE) | -4.1315% | 6,124 |
| Retained earnings to average equity (ytd only) | -4.1315% | 5,888 |
| Net charge-offs to loans | 1.4361% | 1,747 |
| Credit loss provision to net charge-offs | 73.0861% | 6,430 |
| Earnings coverage of net charge-offs (x) | 0.1696% | 5,985 |
| Efficiency ratio | 93.4660% | 1,447 |
| Assets per employee ($millions) | 6.1982% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 4,649 |
| Loan loss allowance to noncurrent loans | 17.6344% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 7.5244% | 640 |
| Noncurrent loans to loans | 7.4888% | 708 |
| Net loans and leases to total assets | 77.9457% | 1,402 |
| Net loans and leases to deposits | 97.7804% | 1,126 |
| Net loans and leases to core deposits | 119.2969% | 2,003 |
| Total domestic deposits to total assets | 79.7151% | 5,767 |
| Equity capital to assets | 6.9821% | 7,377 |
| Core capital (leverage) ratio | 7.0931% | 7,157 |
| Tier 1 risk-based capital ratio | 9.8703% | 6,970 |
| Total risk-based capital ratio | 11.1227% | 6,948 |
| Memoranda: | ||
| Average total assets | $556,188,600 | 1,250 |
| Average earning assets | $506,294,600 | 1,245 |
| Average equity | $39,767,400 | 1,684 |
| Average total loans | $439,302,800 | 1,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 5,783 |
| Cost of funding earning assets | 2.3601% | 1,766 |
| Net interest margin | 2.8639% | 6,929 |
| Noninterest income to average assets | 0.2521% | 6,427 |
| Noninterest expense to average assets | 2.6379% | 5,569 |
| Loan and lease loss provision to assets | 1.0100% | 1,900 |
| Net operating income to assets | -0.7909% | 6,685 |
| Return on assets (ROA) | -0.4237% | 6,347 |
| Pretax return on assets | -0.4153% | 6,216 |
| Return on Equity (ROE) | -5.8906% | 6,545 |
| Retained earnings to average equity (ytd only) | -5.8906% | 6,377 |
| Net charge-offs to loans | 1.7984% | 1,126 |
| Credit loss provision to net charge-offs | 71.1029% | 5,964 |
| Earnings coverage of net charge-offs (x) | 0.1601% | 5,862 |
| Efficiency ratio | 92.0630% | 1,537 |
| Assets per employee ($millions) | 5.8268% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 4,473 |
| Loan loss allowance to noncurrent loans | 17.5897% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 6.8243% | 714 |
| Noncurrent loans to loans | 7.4208% | 696 |
| Net loans and leases to total assets | 77.6711% | 1,638 |
| Net loans and leases to deposits | 97.2801% | 1,402 |
| Net loans and leases to core deposits | 121.7410% | 2,096 |
| Total domestic deposits to total assets | 79.8427% | 5,500 |
| Equity capital to assets | 6.9161% | 7,632 |
| Core capital (leverage) ratio | 7.0792% | 7,373 |
| Tier 1 risk-based capital ratio | 9.7176% | 7,224 |
| Total risk-based capital ratio | 10.9699% | 7,179 |
| Memoranda: | ||
| Average total assets | $555,776,250 | 1,256 |
| Average earning assets | $507,130,500 | 1,251 |
| Average equity | $39,972,000 | 1,699 |
| Average total loans | $438,971,000 | 1,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 5,791 |
| Cost of funding earning assets | 2.4713% | 1,710 |
| Net interest margin | 2.7993% | 7,010 |
| Noninterest income to average assets | 0.2385% | 6,572 |
| Noninterest expense to average assets | 2.6466% | 5,573 |
| Loan and lease loss provision to assets | 1.2989% | 1,319 |
| Net operating income to assets | -1.1679% | 7,095 |
| Return on assets (ROA) | -0.7321% | 6,779 |
| Pretax return on assets | -0.7198% | 6,616 |
| Return on Equity (ROE) | -10.0482% | 7,042 |
| Retained earnings to average equity (ytd only) | -10.0482% | 6,884 |
| Net charge-offs to loans | 1.6091% | 1,176 |
| Credit loss provision to net charge-offs | 102.0762% | 4,483 |
| Earnings coverage of net charge-offs (x) | 0.1126% | 5,560 |
| Efficiency ratio | 94.8631% | 1,456 |
| Assets per employee ($millions) | 6.0012% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 2,355 |
| Loan loss allowance to noncurrent loans | 22.5276% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 6.9556% | 613 |
| Noncurrent loans to loans | 7.5423% | 616 |
| Net loans and leases to total assets | 78.6787% | 1,598 |
| Net loans and leases to deposits | 98.3432% | 1,480 |
| Net loans and leases to core deposits | 124.8925% | 1,950 |
| Total domestic deposits to total assets | 80.0043% | 5,478 |
| Equity capital to assets | 7.0260% | 7,605 |
| Core capital (leverage) ratio | 7.0325% | 7,512 |
| Tier 1 risk-based capital ratio | 9.6860% | 7,242 |
| Total risk-based capital ratio | 10.9436% | 7,176 |
| Memoranda: | ||
| Average total assets | $552,634,670 | 1,282 |
| Average earning assets | $503,699,670 | 1,277 |
| Average equity | $40,266,000 | 1,684 |
| Average total loans | $437,026,670 | 1,147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 5,940 |
| Cost of funding earning assets | 2.5205% | 1,843 |
| Net interest margin | 2.7691% | 7,054 |
| Noninterest income to average assets | 0.2095% | 6,792 |
| Noninterest expense to average assets | 2.5423% | 5,679 |
| Loan and lease loss provision to assets | 0.2990% | 3,555 |
| Net operating income to assets | -0.1070% | 6,422 |
| Return on assets (ROA) | 0.4321% | 4,908 |
| Pretax return on assets | 0.4503% | 5,243 |
| Return on Equity (ROE) | 5.8246% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.8246% | 2,707 |
| Net charge-offs to loans | 1.6354% | 887 |
| Credit loss provision to net charge-offs | 23.2598% | 5,037 |
| Earnings coverage of net charge-offs (x) | 0.1460% | 4,855 |
| Efficiency ratio | 93.1255% | 1,489 |
| Assets per employee ($millions) | 6.0548% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 3,471 |
| Loan loss allowance to noncurrent loans | 25.0763% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 5.4194% | 797 |
| Noncurrent loans to loans | 5.6022% | 907 |
| Net loans and leases to total assets | 77.6246% | 1,906 |
| Net loans and leases to deposits | 99.7023% | 1,451 |
| Net loans and leases to core deposits | 126.2133% | 1,903 |
| Total domestic deposits to total assets | 77.8564% | 6,063 |
| Equity capital to assets | 7.3474% | 7,458 |
| Core capital (leverage) ratio | 7.4888% | 7,170 |
| Tier 1 risk-based capital ratio | 9.8299% | 7,105 |
| Total risk-based capital ratio | 11.0826% | 7,015 |
| Memoranda: | ||
| Average total assets | $549,895,000 | 1,291 |
| Average earning assets | $500,532,500 | 1,291 |
| Average equity | $40,792,500 | 1,663 |
| Average total loans | $432,186,500 | 1,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 5,296 |
| Cost of funding earning assets | 2.9533% | 2,048 |
| Net interest margin | 3.0974% | 6,658 |
| Noninterest income to average assets | 0.2264% | 6,817 |
| Noninterest expense to average assets | 2.7183% | 5,184 |
| Loan and lease loss provision to assets | 1.5697% | 846 |
| Net operating income to assets | -1.2911% | 7,383 |
| Return on assets (ROA) | -1.2717% | 7,319 |
| Pretax return on assets | -1.2383% | 7,136 |
| Return on Equity (ROE) | -16.5546% | 7,647 |
| Retained earnings to average equity (ytd only) | -16.5546% | 7,547 |
| Net charge-offs to loans | 1.1074% | 1,096 |
| Credit loss provision to net charge-offs | 178.2560% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.3543% | 6,019 |
| Efficiency ratio | 89.7034% | 1,537 |
| Assets per employee ($millions) | 5.5954% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 1,719 |
| Loan loss allowance to noncurrent loans | 33.0316% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 5.2838% | 631 |
| Noncurrent loans to loans | 5.3444% | 788 |
| Net loans and leases to total assets | 77.0695% | 2,355 |
| Net loans and leases to deposits | 107.8513% | 986 |
| Net loans and leases to core deposits | 133.7545% | 1,608 |
| Total domestic deposits to total assets | 71.4590% | 7,094 |
| Equity capital to assets | 7.4909% | 7,386 |
| Core capital (leverage) ratio | 7.5390% | 7,157 |
| Tier 1 risk-based capital ratio | 9.8895% | 6,861 |
| Total risk-based capital ratio | 11.1469% | 6,733 |
| Memoranda: | ||
| Average total assets | $511,824,000 | 1,320 |
| Average earning assets | $463,316,600 | 1,345 |
| Average equity | $39,318,400 | 1,714 |
| Average total loans | $406,973,800 | 1,187 |