Home > Magna Bank > Performance and Condition Ratios
Magna Bank, Performance and Condition Ratios
| 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 | 4.1290% | 2,790 |
| Cost of funding earning assets | 0.6435% | 1,140 |
| Net interest margin | 3.4856% | 3,557 |
| Noninterest income to average assets | 2.3484% | 294 |
| Noninterest expense to average assets | 4.2871% | 501 |
| Loan and lease loss provision to assets | -0.1264% | 6,112 |
| Net operating income to assets | 0.8853% | 2,963 |
| Return on assets (ROA) | 0.8853% | 3,075 |
| Pretax return on assets | 1.3829% | 2,053 |
| Return on Equity (ROE) | 7.3673% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.9659% | 2,883 |
| Net charge-offs to loans | 0.0377% | 2,927 |
| Credit loss provision to net charge-offs | -412.3596% | 5,175 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,119 |
| Efficiency ratio | 77.3340% | 2,155 |
| Assets per employee ($millions) | 3.9192% | 4,036 |
| Cash dividends to net income (ytd only)* | 32.5943% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 4,954 |
| Loan loss allowance to noncurrent loans | 148.1621% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 2,765 |
| Noncurrent loans to loans | 0.6626% | 3,488 |
| Net loans and leases to total assets | 80.9117% | 681 |
| Net loans and leases to deposits | 106.2577% | 369 |
| Net loans and leases to core deposits | 132.0780% | 244 |
| Total domestic deposits to total assets | 76.1467% | 5,582 |
| Equity capital to assets | 11.9894% | 2,036 |
| Core capital (leverage) ratio | 12.0317% | 1,643 |
| Tier 1 risk-based capital ratio | 15.0635% | 3,321 |
| Total risk-based capital ratio | 16.0781% | 3,392 |
| Memoranda: | ||
| Average total assets | $580,815,330 | 1,181 |
| Average earning assets | $532,425,000 | 1,195 |
| Average equity | $69,795,330 | 1,103 |
| Average total loans | $471,992,000 | 984 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 2,991 |
| Cost of funding earning assets | 0.6487% | 1,125 |
| Net interest margin | 3.4121% | 3,793 |
| Noninterest income to average assets | 2.2111% | 319 |
| Noninterest expense to average assets | 3.9884% | 705 |
| Loan and lease loss provision to assets | -0.2162% | 6,277 |
| Net operating income to assets | 0.9791% | 2,344 |
| Return on assets (ROA) | 0.9791% | 2,479 |
| Pretax return on assets | 1.5660% | 1,356 |
| Return on Equity (ROE) | 8.1381% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.7422% | 2,638 |
| Net charge-offs to loans | 0.1411% | 1,402 |
| Credit loss provision to net charge-offs | -189.0909% | 4,598 |
| Earnings coverage of net charge-offs (x) | 11.8061% | 1,837 |
| Efficiency ratio | 74.7144% | 2,704 |
| Assets per employee ($millions) | 3.8510% | 4,247 |
| Cash dividends to net income (ytd only)* | 29.4409% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 5,137 |
| Loan loss allowance to noncurrent loans | 187.0518% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 2,563 |
| Noncurrent loans to loans | 0.5229% | 4,006 |
| Net loans and leases to total assets | 80.6747% | 611 |
| Net loans and leases to deposits | 105.2112% | 337 |
| Net loans and leases to core deposits | 128.6744% | 255 |
| Total domestic deposits to total assets | 76.6788% | 5,666 |
| Equity capital to assets | 11.8941% | 2,114 |
| Core capital (leverage) ratio | 12.2527% | 1,479 |
| Tier 1 risk-based capital ratio | 14.1561% | 3,910 |
| Total risk-based capital ratio | 15.1105% | 4,032 |
| Memoranda: | ||
| Average total assets | $577,281,000 | 1,192 |
| Average earning assets | $529,063,500 | 1,208 |
| Average equity | $69,451,000 | 1,111 |
| Average total loans | $467,796,500 | 989 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,781 |
| Cost of funding earning assets | 0.7049% | 1,076 |
| Net interest margin | 3.5444% | 3,622 |
| Noninterest income to average assets | 2.1185% | 313 |
| Noninterest expense to average assets | 3.9203% | 836 |
| Loan and lease loss provision to assets | 0.0431% | 3,706 |
| Net operating income to assets | 0.8991% | 2,875 |
| Return on assets (ROA) | 0.9281% | 2,826 |
| Pretax return on assets | 1.4614% | 1,685 |
| Return on Equity (ROE) | 7.5808% | 3,334 |
| Retained earnings to average equity (ytd only) | 5.0840% | 2,537 |
| Net charge-offs to loans | 0.0336% | 4,157 |
| Credit loss provision to net charge-offs | 156.9536% | 1,548 |
| Earnings coverage of net charge-offs (x) | 53.1788% | 883 |
| Efficiency ratio | 72.8744% | 3,059 |
| Assets per employee ($millions) | 3.6952% | 4,537 |
| Cash dividends to net income (ytd only)* | 32.9352% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 4,365 |
| Loan loss allowance to noncurrent loans | 141.0802% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 2,308 |
| Noncurrent loans to loans | 0.8047% | 3,297 |
| Net loans and leases to total assets | 79.6641% | 782 |
| Net loans and leases to deposits | 103.3685% | 457 |
| Net loans and leases to core deposits | 126.3926% | 290 |
| Total domestic deposits to total assets | 77.0681% | 5,590 |
| Equity capital to assets | 12.1731% | 1,888 |
| Core capital (leverage) ratio | 12.1577% | 1,529 |
| Tier 1 risk-based capital ratio | 14.8824% | 3,550 |
| Total risk-based capital ratio | 16.0022% | 3,560 |
| Memoranda: | ||
| Average total assets | $550,284,200 | 1,213 |
| Average earning assets | $506,292,200 | 1,212 |
| Average equity | $67,367,600 | 1,095 |
| Average total loans | $448,927,600 | 982 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 2,737 |
| Cost of funding earning assets | 0.6987% | 1,159 |
| Net interest margin | 3.5739% | 3,535 |
| Noninterest income to average assets | 2.2830% | 280 |
| Noninterest expense to average assets | 3.9810% | 770 |
| Loan and lease loss provision to assets | 0.0124% | 4,166 |
| Net operating income to assets | 1.0033% | 2,440 |
| Return on assets (ROA) | 1.0422% | 2,329 |
| Pretax return on assets | 1.6463% | 1,189 |
| Return on Equity (ROE) | 8.5008% | 2,946 |
| Retained earnings to average equity (ytd only) | 5.9796% | 2,423 |
| Net charge-offs to loans | 0.0382% | 3,736 |
| Credit loss provision to net charge-offs | 39.8438% | 3,291 |
| Earnings coverage of net charge-offs (x) | 51.1726% | 962 |
| Efficiency ratio | 71.3574% | 3,288 |
| Assets per employee ($millions) | 3.6817% | 4,522 |
| Cash dividends to net income (ytd only)* | 29.6582% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,768 |
| Loan loss allowance to noncurrent loans | 99.9401% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 2,446 |
| Noncurrent loans to loans | 1.0965% | 2,873 |
| Net loans and leases to total assets | 80.2546% | 689 |
| Net loans and leases to deposits | 101.4371% | 526 |
| Net loans and leases to core deposits | 125.1412% | 295 |
| Total domestic deposits to total assets | 79.1176% | 5,299 |
| Equity capital to assets | 12.0886% | 1,981 |
| Core capital (leverage) ratio | 12.1199% | 1,621 |
| Tier 1 risk-based capital ratio | 14.8597% | 3,673 |
| Total risk-based capital ratio | 15.9499% | 3,698 |
| Memoranda: | ||
| Average total assets | $546,515,000 | 1,231 |
| Average earning assets | $504,006,000 | 1,230 |
| Average equity | $67,004,000 | 1,103 |
| Average total loans | $447,269,000 | 991 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 2,764 |
| Cost of funding earning assets | 0.6975% | 1,199 |
| Net interest margin | 3.5553% | 3,548 |
| Noninterest income to average assets | 2.1855% | 305 |
| Noninterest expense to average assets | 3.8901% | 861 |
| Loan and lease loss provision to assets | 0.0096% | 4,043 |
| Net operating income to assets | 0.9911% | 2,356 |
| Return on assets (ROA) | 1.0501% | 2,192 |
| Pretax return on assets | 1.6612% | 1,112 |
| Return on Equity (ROE) | 8.5234% | 2,826 |
| Retained earnings to average equity (ytd only) | 5.9874% | 2,333 |
| Net charge-offs to loans | 0.0509% | 3,245 |
| Credit loss provision to net charge-offs | 23.0088% | 3,155 |
| Earnings coverage of net charge-offs (x) | 37.7876% | 1,098 |
| Efficiency ratio | 71.1311% | 3,483 |
| Assets per employee ($millions) | 3.5832% | 4,698 |
| Cash dividends to net income (ytd only)* | 29.7535% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 4,890 |
| Loan loss allowance to noncurrent loans | 104.6692% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 2,566 |
| Noncurrent loans to loans | 1.0544% | 3,119 |
| Net loans and leases to total assets | 81.7084% | 492 |
| Net loans and leases to deposits | 106.7031% | 276 |
| Net loans and leases to core deposits | 127.3367% | 253 |
| Total domestic deposits to total assets | 76.5755% | 5,849 |
| Equity capital to assets | 12.4320% | 1,690 |
| Core capital (leverage) ratio | 12.4210% | 1,436 |
| Tier 1 risk-based capital ratio | 15.1783% | 3,536 |
| Total risk-based capital ratio | 16.2926% | 3,557 |
| Memoranda: | ||
| Average total assets | $540,918,000 | 1,246 |
| Average earning assets | $499,531,000 | 1,238 |
| Average equity | $66,640,000 | 1,100 |
| Average total loans | $443,996,000 | 991 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,817 |
| Cost of funding earning assets | 0.6991% | 1,254 |
| Net interest margin | 3.5163% | 3,617 |
| Noninterest income to average assets | 1.7436% | 418 |
| Noninterest expense to average assets | 3.7933% | 993 |
| Loan and lease loss provision to assets | 0.1094% | 2,109 |
| Net operating income to assets | 0.6725% | 3,835 |
| Return on assets (ROA) | 0.7907% | 3,269 |
| Pretax return on assets | 1.2686% | 2,220 |
| Return on Equity (ROE) | 6.4478% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.8857% | 3,789 |
| Net charge-offs to loans | 0.0528% | 2,643 |
| Credit loss provision to net charge-offs | 253.4483% | 899 |
| Earnings coverage of net charge-offs (x) | 27.6379% | 1,103 |
| Efficiency ratio | 76.0675% | 2,794 |
| Assets per employee ($millions) | 3.6221% | 4,677 |
| Cash dividends to net income (ytd only)* | 39.7363% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 4,883 |
| Loan loss allowance to noncurrent loans | 134.1021% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5044% | 2,349 |
| Noncurrent loans to loans | 0.8567% | 3,750 |
| Net loans and leases to total assets | 81.4148% | 407 |
| Net loans and leases to deposits | 111.7437% | 120 |
| Net loans and leases to core deposits | 127.1587% | 214 |
| Total domestic deposits to total assets | 72.8585% | 6,315 |
| Equity capital to assets | 12.1044% | 1,804 |
| Core capital (leverage) ratio | 12.1893% | 1,539 |
| Tier 1 risk-based capital ratio | 14.7381% | 3,862 |
| Total risk-based capital ratio | 15.8810% | 3,880 |
| Memoranda: | ||
| Average total assets | $537,265,000 | 1,259 |
| Average earning assets | $495,523,000 | 1,251 |
| Average equity | $65,882,500 | 1,111 |
| Average total loans | $439,522,000 | 1,006 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,426 |
| Cost of funding earning assets | 0.7851% | 1,290 |
| Net interest margin | 3.6571% | 3,224 |
| Noninterest income to average assets | 2.6773% | 259 |
| Noninterest expense to average assets | 4.4334% | 556 |
| Loan and lease loss provision to assets | 0.1000% | 3,133 |
| Net operating income to assets | 0.9477% | 2,576 |
| Return on assets (ROA) | 0.9494% | 2,644 |
| Pretax return on assets | 1.5075% | 1,422 |
| Return on Equity (ROE) | 7.3750% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.8964% | 1,479 |
| Net charge-offs to loans | 0.2489% | 2,476 |
| Credit loss provision to net charge-offs | 50.5051% | 3,802 |
| Earnings coverage of net charge-offs (x) | 8.1040% | 2,729 |
| Efficiency ratio | 73.4215% | 3,229 |
| Assets per employee ($millions) | 3.5173% | 4,866 |
| Cash dividends to net income (ytd only)* | 6.4897% | 4,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 4,728 |
| Loan loss allowance to noncurrent loans | 102.3134% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8304% | 2,003 |
| Noncurrent loans to loans | 1.1599% | 3,224 |
| Net loans and leases to total assets | 80.2693% | 570 |
| Net loans and leases to deposits | 108.7274% | 188 |
| Net loans and leases to core deposits | 123.5557% | 277 |
| Total domestic deposits to total assets | 73.8262% | 6,292 |
| Equity capital to assets | 12.4266% | 1,552 |
| Core capital (leverage) ratio | 12.5136% | 1,351 |
| Tier 1 risk-based capital ratio | 15.2480% | 3,519 |
| Total risk-based capital ratio | 16.4215% | 3,510 |
| Memoranda: | ||
| Average total assets | $499,904,800 | 1,329 |
| Average earning assets | $459,432,600 | 1,319 |
| Average equity | $64,352,200 | 1,112 |
| Average total loans | $397,796,000 | 1,081 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,259 |
| Cost of funding earning assets | 0.8000% | 1,323 |
| Net interest margin | 3.6932% | 3,055 |
| Noninterest income to average assets | 2.9409% | 247 |
| Noninterest expense to average assets | 4.5907% | 475 |
| Loan and lease loss provision to assets | 0.0308% | 4,390 |
| Net operating income to assets | 1.0812% | 2,082 |
| Return on assets (ROA) | 1.0834% | 2,152 |
| Pretax return on assets | 1.7177% | 1,062 |
| Return on Equity (ROE) | 8.3391% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.7916% | 1,500 |
| Net charge-offs to loans | 0.0584% | 4,070 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 37.7317% | 1,048 |
| Efficiency ratio | 72.4580% | 3,325 |
| Assets per employee ($millions) | 3.2333% | 5,421 |
| Cash dividends to net income (ytd only)* | 6.5652% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,114 |
| Loan loss allowance to noncurrent loans | 63.5098% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.2925% | 1,719 |
| Noncurrent loans to loans | 2.1307% | 2,099 |
| Net loans and leases to total assets | 79.7646% | 574 |
| Net loans and leases to deposits | 106.1446% | 236 |
| Net loans and leases to core deposits | 119.8871% | 325 |
| Total domestic deposits to total assets | 75.1471% | 6,265 |
| Equity capital to assets | 12.8722% | 1,390 |
| Core capital (leverage) ratio | 12.9516% | 1,228 |
| Tier 1 risk-based capital ratio | 15.8746% | 3,265 |
| Total risk-based capital ratio | 17.1257% | 3,211 |
| Memoranda: | ||
| Average total assets | $492,984,000 | 1,352 |
| Average earning assets | $453,150,000 | 1,351 |
| Average equity | $64,050,000 | 1,134 |
| Average total loans | $390,100,750 | 1,102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 2,170 |
| Cost of funding earning assets | 0.8143% | 1,338 |
| Net interest margin | 3.6947% | 2,975 |
| Noninterest income to average assets | 3.2356% | 227 |
| Noninterest expense to average assets | 4.6821% | 453 |
| Loan and lease loss provision to assets | 0.0270% | 4,384 |
| Net operating income to assets | 1.2043% | 1,585 |
| Return on assets (ROA) | 1.2077% | 1,677 |
| Pretax return on assets | 1.9228% | 712 |
| Return on Equity (ROE) | 9.2663% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.5856% | 1,259 |
| Net charge-offs to loans | 0.0229% | 4,381 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 108.0909% | 440 |
| Efficiency ratio | 70.6565% | 3,701 |
| Assets per employee ($millions) | 3.1975% | 5,486 |
| Cash dividends to net income (ytd only)* | 7.3460% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,925 |
| Loan loss allowance to noncurrent loans | 70.0889% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.2825% | 1,898 |
| Noncurrent loans to loans | 2.0328% | 2,364 |
| Net loans and leases to total assets | 78.1468% | 736 |
| Net loans and leases to deposits | 101.7473% | 342 |
| Net loans and leases to core deposits | 115.1955% | 412 |
| Total domestic deposits to total assets | 76.8048% | 6,151 |
| Equity capital to assets | 13.0458% | 1,328 |
| Core capital (leverage) ratio | 13.0660% | 1,139 |
| Tier 1 risk-based capital ratio | 16.2709% | 3,055 |
| Total risk-based capital ratio | 17.5229% | 3,004 |
| Memoranda: | ||
| Average total assets | $489,182,670 | 1,367 |
| Average earning assets | $448,962,670 | 1,361 |
| Average equity | $63,758,000 | 1,145 |
| Average total loans | $384,187,000 | 1,110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 1,568 |
| Cost of funding earning assets | 0.8256% | 1,392 |
| Net interest margin | 3.8629% | 2,240 |
| Noninterest income to average assets | 2.6660% | 291 |
| Noninterest expense to average assets | 4.4661% | 549 |
| Loan and lease loss provision to assets | -0.1103% | 6,845 |
| Net operating income to assets | 1.1523% | 1,663 |
| Return on assets (ROA) | 1.1523% | 1,770 |
| Pretax return on assets | 1.8495% | 803 |
| Return on Equity (ROE) | 8.8455% | 2,556 |
| Retained earnings to average equity (ytd only) | 7.7651% | 1,835 |
| Net charge-offs to loans | 0.0348% | 3,544 |
| Credit loss provision to net charge-offs | -406.0606% | 5,430 |
| Earnings coverage of net charge-offs (x) | 64.0303% | 555 |
| Efficiency ratio | 71.9724% | 3,618 |
| Assets per employee ($millions) | 3.0465% | 5,901 |
| Cash dividends to net income (ytd only)* | 12.2143% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,068 |
| Loan loss allowance to noncurrent loans | 63.9211% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.5045% | 1,842 |
| Noncurrent loans to loans | 2.2478% | 2,335 |
| Net loans and leases to total assets | 77.5780% | 657 |
| Net loans and leases to deposits | 102.1914% | 275 |
| Net loans and leases to core deposits | 114.2339% | 380 |
| Total domestic deposits to total assets | 75.9144% | 6,373 |
| Equity capital to assets | 13.3635% | 1,264 |
| Core capital (leverage) ratio | 13.2444% | 1,028 |
| Tier 1 risk-based capital ratio | 16.3509% | 3,084 |
| Total risk-based capital ratio | 17.6027% | 3,029 |
| Memoranda: | ||
| Average total assets | $485,971,000 | 1,382 |
| Average earning assets | $445,261,500 | 1,386 |
| Average equity | $63,309,000 | 1,173 |
| Average total loans | $379,831,500 | 1,124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 3,127 |
| Cost of funding earning assets | 0.9366% | 1,726 |
| Net interest margin | 3.6328% | 3,949 |
| Noninterest income to average assets | 3.1288% | 239 |
| Noninterest expense to average assets | 5.2771% | 313 |
| Loan and lease loss provision to assets | 0.0343% | 5,458 |
| Net operating income to assets | 0.7082% | 3,700 |
| Return on assets (ROA) | 0.6574% | 4,222 |
| Pretax return on assets | 1.0509% | 3,351 |
| Return on Equity (ROE) | 4.9262% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.7397% | 5,496 |
| Net charge-offs to loans | 0.1200% | 4,490 |
| Credit loss provision to net charge-offs | 36.6133% | 4,997 |
| Earnings coverage of net charge-offs (x) | 12.4462% | 1,925 |
| Efficiency ratio | 81.9206% | 1,873 |
| Assets per employee ($millions) | 3.2692% | 5,472 |
| Cash dividends to net income (ytd only)* | 84.9837% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 3,922 |
| Loan loss allowance to noncurrent loans | 45.5779% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.1620% | 1,474 |
| Noncurrent loans to loans | 3.1926% | 1,621 |
| Net loans and leases to total assets | 76.4972% | 854 |
| Net loans and leases to deposits | 104.6978% | 252 |
| Net loans and leases to core deposits | 117.6738% | 323 |
| Total domestic deposits to total assets | 73.0648% | 6,617 |
| Equity capital to assets | 12.7016% | 1,589 |
| Core capital (leverage) ratio | 12.5644% | 1,301 |
| Tier 1 risk-based capital ratio | 15.5878% | 3,378 |
| Total risk-based capital ratio | 16.8396% | 3,341 |
| Memoranda: | ||
| Average total assets | $467,016,000 | 1,413 |
| Average earning assets | $425,900,000 | 1,418 |
| Average equity | $62,319,400 | 1,141 |
| Average total loans | $364,216,400 | 1,150 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 3,153 |
| Cost of funding earning assets | 0.9601% | 1,784 |
| Net interest margin | 3.6535% | 3,996 |
| Noninterest income to average assets | 2.8913% | 262 |
| Noninterest expense to average assets | 4.8825% | 395 |
| Loan and lease loss provision to assets | 0.0909% | 4,463 |
| Net operating income to assets | 0.7685% | 3,606 |
| Return on assets (ROA) | 0.7507% | 3,944 |
| Pretax return on assets | 1.2196% | 2,915 |
| Return on Equity (ROE) | 5.5540% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.7412% | 4,261 |
| Net charge-offs to loans | 0.1766% | 3,697 |
| Credit loss provision to net charge-offs | 65.9664% | 4,006 |
| Earnings coverage of net charge-offs (x) | 9.7080% | 2,284 |
| Efficiency ratio | 78.4860% | 2,319 |
| Assets per employee ($millions) | 3.1912% | 5,652 |
| Cash dividends to net income (ytd only)* | 32.6389% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,842 |
| Loan loss allowance to noncurrent loans | 47.2871% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.3476% | 1,512 |
| Noncurrent loans to loans | 3.2225% | 1,711 |
| Net loans and leases to total assets | 75.3250% | 1,073 |
| Net loans and leases to deposits | 100.9442% | 397 |
| Net loans and leases to core deposits | 111.7839% | 506 |
| Total domestic deposits to total assets | 74.6204% | 6,549 |
| Equity capital to assets | 13.0184% | 1,587 |
| Core capital (leverage) ratio | 12.9205% | 1,215 |
| Tier 1 risk-based capital ratio | 16.5818% | 2,954 |
| Total risk-based capital ratio | 17.8349% | 2,925 |
| Memoranda: | ||
| Average total assets | $460,358,000 | 1,446 |
| Average earning assets | $419,529,750 | 1,448 |
| Average equity | $62,224,000 | 1,152 |
| Average total loans | $359,469,750 | 1,165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 3,350 |
| Cost of funding earning assets | 0.9922% | 1,812 |
| Net interest margin | 3.6103% | 4,214 |
| Noninterest income to average assets | 2.8143% | 261 |
| Noninterest expense to average assets | 4.8446% | 416 |
| Loan and lease loss provision to assets | 0.1202% | 4,025 |
| Net operating income to assets | 0.7022% | 3,857 |
| Return on assets (ROA) | 0.7090% | 4,086 |
| Pretax return on assets | 1.1546% | 3,097 |
| Return on Equity (ROE) | 5.1766% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.2925% | 4,416 |
| Net charge-offs to loans | 0.2041% | 3,349 |
| Credit loss provision to net charge-offs | 74.8619% | 3,463 |
| Earnings coverage of net charge-offs (x) | 7.8757% | 2,404 |
| Efficiency ratio | 79.3061% | 2,287 |
| Assets per employee ($millions) | 3.0845% | 5,884 |
| Cash dividends to net income (ytd only)* | 36.3977% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 3,709 |
| Loan loss allowance to noncurrent loans | 174.6590% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6159% | 3,303 |
| Noncurrent loans to loans | 0.8981% | 4,700 |
| Net loans and leases to total assets | 76.6187% | 893 |
| Net loans and leases to deposits | 103.6099% | 285 |
| Net loans and leases to core deposits | 109.4309% | 596 |
| Total domestic deposits to total assets | 73.9492% | 6,680 |
| Equity capital to assets | 13.1675% | 1,444 |
| Core capital (leverage) ratio | 13.2412% | 1,076 |
| Tier 1 risk-based capital ratio | 16.9106% | 2,712 |
| Total risk-based capital ratio | 18.1644% | 2,665 |
| Memoranda: | ||
| Average total assets | $451,059,000 | 1,476 |
| Average earning assets | $411,604,000 | 1,478 |
| Average equity | $61,777,670 | 1,156 |
| Average total loans | $354,803,330 | 1,179 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 3,385 |
| Cost of funding earning assets | 1.0242% | 1,843 |
| Net interest margin | 3.6004% | 4,271 |
| Noninterest income to average assets | 2.8133% | 265 |
| Noninterest expense to average assets | 5.0129% | 359 |
| Loan and lease loss provision to assets | 0.1316% | 3,703 |
| Net operating income to assets | 0.5901% | 4,392 |
| Return on assets (ROA) | 0.5901% | 4,608 |
| Pretax return on assets | 0.9623% | 3,821 |
| Return on Equity (ROE) | 4.2211% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.2989% | 5,109 |
| Net charge-offs to loans | 0.4992% | 1,842 |
| Credit loss provision to net charge-offs | 33.3333% | 3,566 |
| Earnings coverage of net charge-offs (x) | 2.7701% | 3,074 |
| Efficiency ratio | 82.0871% | 1,924 |
| Assets per employee ($millions) | 2.9975% | 6,156 |
| Cash dividends to net income (ytd only)* | 45.5385% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,817 |
| Loan loss allowance to noncurrent loans | 159.2158% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 2.1156% | 2,763 |
| Noncurrent loans to loans | 0.9913% | 4,691 |
| Net loans and leases to total assets | 78.7317% | 523 |
| Net loans and leases to deposits | 105.2601% | 226 |
| Net loans and leases to core deposits | 112.7560% | 448 |
| Total domestic deposits to total assets | 74.7973% | 6,672 |
| Equity capital to assets | 14.0670% | 1,005 |
| Core capital (leverage) ratio | 14.0900% | 780 |
| Tier 1 risk-based capital ratio | 17.2418% | 2,581 |
| Total risk-based capital ratio | 18.4953% | 2,552 |
| Memoranda: | ||
| Average total assets | $440,624,500 | 1,512 |
| Average earning assets | $403,061,000 | 1,508 |
| Average equity | $61,596,000 | 1,152 |
| Average total loans | $348,531,500 | 1,207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 3,672 |
| Cost of funding earning assets | 1.1863% | 2,118 |
| Net interest margin | 3.6431% | 4,548 |
| Noninterest income to average assets | 2.5353% | 259 |
| Noninterest expense to average assets | 4.6946% | 492 |
| Loan and lease loss provision to assets | 0.1729% | 4,467 |
| Net operating income to assets | 0.5954% | 4,022 |
| Return on assets (ROA) | 0.5762% | 4,298 |
| Pretax return on assets | 0.9341% | 3,494 |
| Return on Equity (ROE) | 4.4778% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.3290% | 3,854 |
| Net charge-offs to loans | -0.1717% | 7,196 |
| Credit loss provision to net charge-offs | -127.8351% | 6,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5022% | 2,239 |
| Assets per employee ($millions) | 3.0813% | 5,931 |
| Cash dividends to net income (ytd only)* | 25.6555% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 3,209 |
| Loan loss allowance to noncurrent loans | 147.2082% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 2.2915% | 2,636 |
| Noncurrent loans to loans | 1.1538% | 4,441 |
| Net loans and leases to total assets | 76.8763% | 842 |
| Net loans and leases to deposits | 102.5267% | 351 |
| Net loans and leases to core deposits | 109.9633% | 623 |
| Total domestic deposits to total assets | 74.9817% | 6,609 |
| Equity capital to assets | 13.8915% | 1,105 |
| Core capital (leverage) ratio | 14.0016% | 825 |
| Tier 1 risk-based capital ratio | 17.1176% | 2,543 |
| Total risk-based capital ratio | 18.2809% | 2,538 |
| Memoranda: | ||
| Average total assets | $430,240,600 | 1,516 |
| Average earning assets | $389,279,800 | 1,529 |
| Average equity | $55,361,800 | 1,226 |
| Average total loans | $338,892,800 | 1,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 3,673 |
| Cost of funding earning assets | 1.2220% | 2,173 |
| Net interest margin | 3.6494% | 4,566 |
| Noninterest income to average assets | 2.6021% | 255 |
| Noninterest expense to average assets | 4.5529% | 550 |
| Loan and lease loss provision to assets | 0.1905% | 4,119 |
| Net operating income to assets | 0.7135% | 3,536 |
| Return on assets (ROA) | 0.7084% | 3,738 |
| Pretax return on assets | 1.1477% | 2,831 |
| Return on Equity (ROE) | 5.6201% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.5960% | 3,451 |
| Net charge-offs to loans | -0.2825% | 7,296 |
| Credit loss provision to net charge-offs | -85.4545% | 6,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1788% | 2,654 |
| Assets per employee ($millions) | 3.0869% | 5,928 |
| Cash dividends to net income (ytd only)* | 18.2219% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,988 |
| Loan loss allowance to noncurrent loans | 96.0897% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.7422% | 2,366 |
| Noncurrent loans to loans | 1.8603% | 3,552 |
| Net loans and leases to total assets | 75.1940% | 1,112 |
| Net loans and leases to deposits | 99.5166% | 490 |
| Net loans and leases to core deposits | 107.2687% | 800 |
| Total domestic deposits to total assets | 75.5593% | 6,583 |
| Equity capital to assets | 13.5510% | 1,350 |
| Core capital (leverage) ratio | 13.7424% | 975 |
| Tier 1 risk-based capital ratio | 17.1500% | 2,586 |
| Total risk-based capital ratio | 18.4002% | 2,549 |
| Memoranda: | ||
| Average total assets | $427,645,500 | 1,535 |
| Average earning assets | $386,351,500 | 1,543 |
| Average equity | $53,900,000 | 1,261 |
| Average total loans | $337,469,500 | 1,268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 3,330 |
| Cost of funding earning assets | 1.2465% | 2,274 |
| Net interest margin | 3.7189% | 4,179 |
| Noninterest income to average assets | 2.4764% | 277 |
| Noninterest expense to average assets | 4.6423% | 513 |
| Loan and lease loss provision to assets | 0.0071% | 6,168 |
| Net operating income to assets | 0.7237% | 3,421 |
| Return on assets (ROA) | 0.7158% | 3,579 |
| Pretax return on assets | 1.1649% | 2,622 |
| Return on Equity (ROE) | 5.8359% | 4,048 |
| Retained earnings to average equity (ytd only) | 4.7526% | 3,156 |
| Net charge-offs to loans | -0.3995% | 7,374 |
| Credit loss provision to net charge-offs | -2.2422% | 6,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6731% | 2,437 |
| Assets per employee ($millions) | 2.7703% | 6,515 |
| Cash dividends to net income (ytd only)* | 18.5629% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 3,484 |
| Loan loss allowance to noncurrent loans | 84.2273% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.8954% | 2,322 |
| Noncurrent loans to loans | 1.9619% | 3,527 |
| Net loans and leases to total assets | 78.3429% | 730 |
| Net loans and leases to deposits | 102.0696% | 386 |
| Net loans and leases to core deposits | 111.6277% | 663 |
| Total domestic deposits to total assets | 76.7543% | 6,488 |
| Equity capital to assets | 11.8845% | 2,182 |
| Core capital (leverage) ratio | 12.0145% | 1,588 |
| Tier 1 risk-based capital ratio | 14.2619% | 3,969 |
| Total risk-based capital ratio | 15.5120% | 3,945 |
| Memoranda: | ||
| Average total assets | $419,964,000 | 1,575 |
| Average earning assets | $378,342,330 | 1,587 |
| Average equity | $51,509,000 | 1,305 |
| Average total loans | $334,939,330 | 1,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 3,452 |
| Cost of funding earning assets | 1.2708% | 2,357 |
| Net interest margin | 3.6543% | 4,305 |
| Noninterest income to average assets | 2.2832% | 306 |
| Noninterest expense to average assets | 4.6819% | 494 |
| Loan and lease loss provision to assets | -0.1574% | 7,497 |
| Net operating income to assets | 0.6388% | 3,811 |
| Return on assets (ROA) | 0.6571% | 3,790 |
| Pretax return on assets | 1.0730% | 2,857 |
| Return on Equity (ROE) | 5.2755% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.1653% | 3,674 |
| Net charge-offs to loans | -0.4063% | 7,386 |
| Credit loss provision to net charge-offs | 48.5294% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0726% | 1,948 |
| Assets per employee ($millions) | 2.6772% | 6,726 |
| Cash dividends to net income (ytd only)* | 21.0450% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 3,341 |
| Loan loss allowance to noncurrent loans | 79.7158% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 3.8300% | 1,752 |
| Noncurrent loans to loans | 2.1319% | 3,404 |
| Net loans and leases to total assets | 77.9037% | 738 |
| Net loans and leases to deposits | 105.4655% | 265 |
| Net loans and leases to core deposits | 114.4636% | 587 |
| Total domestic deposits to total assets | 73.8665% | 6,918 |
| Equity capital to assets | 12.7904% | 1,475 |
| Core capital (leverage) ratio | 12.9415% | 1,136 |
| Tier 1 risk-based capital ratio | 15.1981% | 3,319 |
| Total risk-based capital ratio | 16.4484% | 3,275 |
| Memoranda: | ||
| Average total assets | $419,403,500 | 1,591 |
| Average earning assets | $377,091,000 | 1,607 |
| Average equity | $52,241,500 | 1,280 |
| Average total loans | $334,692,500 | 1,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 3,843 |
| Cost of funding earning assets | 1.7095% | 1,557 |
| Net interest margin | 3.4416% | 5,468 |
| Noninterest income to average assets | 2.3766% | 300 |
| Noninterest expense to average assets | 4.7934% | 504 |
| Loan and lease loss provision to assets | 1.1803% | 1,336 |
| Net operating income to assets | -0.2869% | 6,202 |
| Return on assets (ROA) | -0.3670% | 6,306 |
| Pretax return on assets | -0.5847% | 6,388 |
| Return on Equity (ROE) | -3.0939% | 6,283 |
| Retained earnings to average equity (ytd only) | -4.1867% | 6,218 |
| Net charge-offs to loans | 1.3853% | 1,613 |
| Credit loss provision to net charge-offs | 107.0980% | 4,146 |
| Earnings coverage of net charge-offs (x) | 0.6540% | 5,455 |
| Efficiency ratio | 86.9280% | 1,578 |
| Assets per employee ($millions) | 2.7166% | 6,657 |
| Cash dividends to net income (ytd only)* | -35.3228% | 7,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,810 |
| Loan loss allowance to noncurrent loans | 28.8514% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 5.1063% | 1,250 |
| Noncurrent loans to loans | 5.3462% | 1,232 |
| Net loans and leases to total assets | 79.0960% | 783 |
| Net loans and leases to deposits | 104.6468% | 378 |
| Net loans and leases to core deposits | 113.1506% | 767 |
| Total domestic deposits to total assets | 75.5838% | 6,686 |
| Equity capital to assets | 12.1331% | 1,835 |
| Core capital (leverage) ratio | 12.1987% | 1,430 |
| Tier 1 risk-based capital ratio | 14.6789% | 3,435 |
| Total risk-based capital ratio | 15.9289% | 3,399 |
| Memoranda: | ||
| Average total assets | $447,410,400 | 1,486 |
| Average earning assets | $407,893,400 | 1,491 |
| Average equity | $53,072,200 | 1,263 |
| Average total loans | $355,954,600 | 1,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 4,116 |
| Cost of funding earning assets | 1.7357% | 1,695 |
| Net interest margin | 3.4059% | 5,660 |
| Noninterest income to average assets | 2.2083% | 328 |
| Noninterest expense to average assets | 4.5048% | 587 |
| Loan and lease loss provision to assets | 1.0757% | 1,361 |
| Net operating income to assets | -0.1676% | 6,276 |
| Return on assets (ROA) | -0.1320% | 6,307 |
| Pretax return on assets | -0.2050% | 6,324 |
| Return on Equity (ROE) | -1.1185% | 6,290 |
| Retained earnings to average equity (ytd only) | -2.2046% | 6,237 |
| Net charge-offs to loans | 1.3697% | 1,480 |
| Credit loss provision to net charge-offs | 98.9434% | 4,408 |
| Earnings coverage of net charge-offs (x) | 0.7497% | 5,312 |
| Efficiency ratio | 84.6788% | 1,762 |
| Assets per employee ($millions) | 2.9758% | 6,204 |
| Cash dividends to net income (ytd only)* | -97.0987% | 7,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,261 |
| Loan loss allowance to noncurrent loans | 31.0584% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 4.5873% | 1,478 |
| Noncurrent loans to loans | 4.6348% | 1,539 |
| Net loans and leases to total assets | 78.4969% | 954 |
| Net loans and leases to deposits | 105.7253% | 374 |
| Net loans and leases to core deposits | 116.8260% | 725 |
| Total domestic deposits to total assets | 74.2461% | 6,893 |
| Equity capital to assets | 11.5096% | 2,525 |
| Core capital (leverage) ratio | 11.5865% | 1,888 |
| Tier 1 risk-based capital ratio | 14.2692% | 3,652 |
| Total risk-based capital ratio | 15.5190% | 3,610 |
| Memoranda: | ||
| Average total assets | $452,635,000 | 1,488 |
| Average earning assets | $413,501,750 | 1,490 |
| Average equity | $53,403,000 | 1,253 |
| Average total loans | $359,283,500 | 1,260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 4,256 |
| Cost of funding earning assets | 1.7572% | 1,831 |
| Net interest margin | 3.3814% | 5,709 |
| Noninterest income to average assets | 1.9873% | 357 |
| Noninterest expense to average assets | 4.5139% | 568 |
| Loan and lease loss provision to assets | 0.8645% | 1,683 |
| Net operating income to assets | -0.1814% | 6,334 |
| Return on assets (ROA) | -0.1276% | 6,337 |
| Pretax return on assets | -0.2094% | 6,346 |
| Return on Equity (ROE) | -1.0727% | 6,325 |
| Retained earnings to average equity (ytd only) | -2.1567% | 6,169 |
| Net charge-offs to loans | 1.2036% | 1,582 |
| Credit loss provision to net charge-offs | 90.5871% | 4,409 |
| Earnings coverage of net charge-offs (x) | 0.5983% | 5,139 |
| Efficiency ratio | 88.7713% | 1,437 |
| Assets per employee ($millions) | 2.7388% | 6,714 |
| Cash dividends to net income (ytd only)* | -101.0453% | 7,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 4,379 |
| Loan loss allowance to noncurrent loans | 31.3709% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 4.2042% | 1,604 |
| Noncurrent loans to loans | 4.4922% | 1,617 |
| Net loans and leases to total assets | 77.4775% | 1,201 |
| Net loans and leases to deposits | 104.7770% | 449 |
| Net loans and leases to core deposits | 116.0859% | 841 |
| Total domestic deposits to total assets | 73.9451% | 6,979 |
| Equity capital to assets | 11.5122% | 2,435 |
| Core capital (leverage) ratio | 11.5420% | 1,891 |
| Tier 1 risk-based capital ratio | 14.0243% | 3,716 |
| Total risk-based capital ratio | 15.2118% | 3,718 |
| Memoranda: | ||
| Average total assets | $449,763,330 | 1,520 |
| Average earning assets | $412,018,670 | 1,505 |
| Average equity | $53,508,000 | 1,243 |
| Average total loans | $356,593,000 | 1,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 4,216 |
| Cost of funding earning assets | 1.8029% | 1,860 |
| Net interest margin | 3.3635% | 5,740 |
| Noninterest income to average assets | 1.9079% | 361 |
| Noninterest expense to average assets | 4.2526% | 762 |
| Loan and lease loss provision to assets | 0.2356% | 4,156 |
| Net operating income to assets | 0.3034% | 5,289 |
| Return on assets (ROA) | 0.2924% | 5,455 |
| Pretax return on assets | 0.4837% | 5,022 |
| Return on Equity (ROE) | 2.4171% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.3353% | 5,276 |
| Net charge-offs to loans | 0.1530% | 4,015 |
| Credit loss provision to net charge-offs | 193.3333% | 1,915 |
| Earnings coverage of net charge-offs (x) | 6.0444% | 2,292 |
| Efficiency ratio | 85.2388% | 1,883 |
| Assets per employee ($millions) | 2.7220% | 6,819 |
| Cash dividends to net income (ytd only)* | 44.7531% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 4,057 |
| Loan loss allowance to noncurrent loans | 81.5280% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.2867% | 3,166 |
| Noncurrent loans to loans | 1.8061% | 4,044 |
| Net loans and leases to total assets | 78.3809% | 1,080 |
| Net loans and leases to deposits | 106.9344% | 391 |
| Net loans and leases to core deposits | 118.0209% | 867 |
| Total domestic deposits to total assets | 73.2981% | 7,131 |
| Equity capital to assets | 12.0040% | 2,046 |
| Core capital (leverage) ratio | 12.0700% | 1,618 |
| Tier 1 risk-based capital ratio | 14.4808% | 3,386 |
| Total risk-based capital ratio | 15.7308% | 3,359 |
| Memoranda: | ||
| Average total assets | $443,212,500 | 1,585 |
| Average earning assets | $406,006,000 | 1,565 |
| Average equity | $53,619,000 | 1,246 |
| Average total loans | $353,018,500 | 1,340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 4,726 |
| Cost of funding earning assets | 2.3537% | 1,445 |
| Net interest margin | 3.0408% | 6,542 |
| Noninterest income to average assets | 2.3411% | 302 |
| Noninterest expense to average assets | 4.3578% | 924 |
| Loan and lease loss provision to assets | 0.2827% | 5,159 |
| Net operating income to assets | 0.2791% | 4,612 |
| Return on assets (ROA) | 0.5796% | 3,482 |
| Pretax return on assets | 0.9689% | 2,691 |
| Return on Equity (ROE) | 5.2298% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.6243% | 2,646 |
| Net charge-offs to loans | 0.1778% | 5,529 |
| Credit loss provision to net charge-offs | 197.4286% | 1,999 |
| Earnings coverage of net charge-offs (x) | 5.4614% | 2,593 |
| Efficiency ratio | 84.7865% | 2,258 |
| Assets per employee ($millions) | 2.6186% | 7,006 |
| Cash dividends to net income (ytd only)* | 30.6987% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 3,880 |
| Loan loss allowance to noncurrent loans | 65.6482% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.5127% | 2,784 |
| Noncurrent loans to loans | 2.2429% | 3,343 |
| Net loans and leases to total assets | 78.5760% | 1,267 |
| Net loans and leases to deposits | 108.3232% | 443 |
| Net loans and leases to core deposits | 145.8670% | 612 |
| Total domestic deposits to total assets | 72.5385% | 7,201 |
| Equity capital to assets | 12.1941% | 1,916 |
| Core capital (leverage) ratio | 12.2904% | 1,533 |
| Tier 1 risk-based capital ratio | 14.6608% | 3,125 |
| Total risk-based capital ratio | 15.9107% | 3,079 |
| Memoranda: | ||
| Average total assets | $488,919,800 | 1,416 |
| Average earning assets | $449,976,400 | 1,406 |
| Average equity | $54,189,600 | 1,216 |
| Average total loans | $393,599,800 | 1,222 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 4,783 |
| Cost of funding earning assets | 2.4942% | 1,323 |
| Net interest margin | 2.9375% | 6,756 |
| Noninterest income to average assets | 2.3378% | 297 |
| Noninterest expense to average assets | 4.2577% | 965 |
| Loan and lease loss provision to assets | 0.2288% | 5,143 |
| Net operating income to assets | 0.3200% | 4,720 |
| Return on assets (ROA) | 0.7142% | 3,224 |
| Pretax return on assets | 1.1733% | 2,345 |
| Return on Equity (ROE) | 6.5874% | 3,263 |
| Retained earnings to average equity (ytd only) | 4.9160% | 2,547 |
| Net charge-offs to loans | 0.1298% | 5,398 |
| Credit loss provision to net charge-offs | 218.5279% | 2,009 |
| Earnings coverage of net charge-offs (x) | 7.5101% | 2,392 |
| Efficiency ratio | 84.4132% | 2,248 |
| Assets per employee ($millions) | 2.7998% | 6,648 |
| Cash dividends to net income (ytd only)* | 25.3720% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,221 |
| Loan loss allowance to noncurrent loans | 82.9511% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 3,338 |
| Noncurrent loans to loans | 1.6246% | 4,207 |
| Net loans and leases to total assets | 78.4231% | 1,500 |
| Net loans and leases to deposits | 109.7276% | 476 |
| Net loans and leases to core deposits | 142.1925% | 830 |
| Total domestic deposits to total assets | 71.4708% | 7,282 |
| Equity capital to assets | 12.3279% | 2,052 |
| Core capital (leverage) ratio | 12.6455% | 1,524 |
| Tier 1 risk-based capital ratio | 15.2423% | 2,932 |
| Total risk-based capital ratio | 16.4902% | 2,877 |
| Memoranda: | ||
| Average total assets | $501,824,750 | 1,388 |
| Average earning assets | $462,279,750 | 1,377 |
| Average equity | $54,405,750 | 1,229 |
| Average total loans | $404,812,750 | 1,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 4,986 |
| Cost of funding earning assets | 2.6511% | 1,159 |
| Net interest margin | 2.7809% | 7,051 |
| Noninterest income to average assets | 1.6836% | 518 |
| Noninterest expense to average assets | 4.1097% | 1,177 |
| Loan and lease loss provision to assets | 0.3159% | 4,051 |
| Net operating income to assets | -0.1438% | 6,095 |
| Return on assets (ROA) | 0.4659% | 4,346 |
| Pretax return on assets | 0.7747% | 3,764 |
| Return on Equity (ROE) | 4.4790% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.7575% | 3,794 |
| Net charge-offs to loans | 0.1607% | 4,596 |
| Credit loss provision to net charge-offs | 242.5595% | 1,913 |
| Earnings coverage of net charge-offs (x) | 1.0595% | 4,725 |
| Efficiency ratio | 96.7518% | 1,324 |
| Assets per employee ($millions) | 2.9962% | 6,139 |
| Cash dividends to net income (ytd only)* | 38.4359% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 4,884 |
| Loan loss allowance to noncurrent loans | 59.9903% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.1362% | 3,010 |
| Noncurrent loans to loans | 2.0125% | 3,498 |
| Net loans and leases to total assets | 79.6694% | 1,366 |
| Net loans and leases to deposits | 108.1733% | 643 |
| Net loans and leases to core deposits | 138.7105% | 1,069 |
| Total domestic deposits to total assets | 73.6497% | 7,005 |
| Equity capital to assets | 10.7910% | 3,126 |
| Core capital (leverage) ratio | 11.1867% | 2,269 |
| Tier 1 risk-based capital ratio | 12.5627% | 4,472 |
| Total risk-based capital ratio | 13.6512% | 4,527 |
| Memoranda: | ||
| Average total assets | $516,043,670 | 1,372 |
| Average earning assets | $475,811,330 | 1,362 |
| Average equity | $53,672,330 | 1,256 |
| Average total loans | $418,079,330 | 1,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 5,258 |
| Cost of funding earning assets | 2.7821% | 1,021 |
| Net interest margin | 2.6508% | 7,297 |
| Noninterest income to average assets | 0.4623% | 4,658 |
| Noninterest expense to average assets | 3.9356% | 1,259 |
| Loan and lease loss provision to assets | 0.3195% | 3,418 |
| Net operating income to assets | -0.8916% | 7,186 |
| Return on assets (ROA) | 0.3164% | 5,407 |
| Pretax return on assets | 0.5437% | 4,936 |
| Return on Equity (ROE) | 3.0984% | 5,328 |
| Retained earnings to average equity (ytd only) | 1.3311% | 5,104 |
| Net charge-offs to loans | 0.1769% | 3,580 |
| Credit loss provision to net charge-offs | 222.4599% | 2,036 |
| Earnings coverage of net charge-offs (x) | -7.1337% | 5,598 |
| Efficiency ratio | 135.1886% | 456 |
| Assets per employee ($millions) | 3.1429% | 5,761 |
| Cash dividends to net income (ytd only)* | 57.0388% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,179 |
| Loan loss allowance to noncurrent loans | 63.3316% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.9947% | 2,914 |
| Noncurrent loans to loans | 1.8018% | 3,560 |
| Net loans and leases to total assets | 80.6170% | 1,272 |
| Net loans and leases to deposits | 110.7983% | 576 |
| Net loans and leases to core deposits | 143.8006% | 943 |
| Total domestic deposits to total assets | 72.7601% | 7,089 |
| Equity capital to assets | 10.1642% | 3,807 |
| Core capital (leverage) ratio | 10.3126% | 3,096 |
| Tier 1 risk-based capital ratio | 11.6124% | 5,287 |
| Total risk-based capital ratio | 12.6556% | 5,405 |
| Memoranda: | ||
| Average total assets | $520,886,000 | 1,361 |
| Average earning assets | $481,221,500 | 1,347 |
| Average equity | $53,188,000 | 1,275 |
| Average total loans | $422,947,500 | 1,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 5,177 |
| Cost of funding earning assets | 3.3266% | 858 |
| Net interest margin | 2.7479% | 7,412 |
| Noninterest income to average assets | 0.4141% | 5,354 |
| Noninterest expense to average assets | 3.9296% | 1,516 |
| Loan and lease loss provision to assets | 1.7712% | 714 |
| Net operating income to assets | -1.7227% | 7,534 |
| Return on assets (ROA) | -0.8454% | 7,076 |
| Pretax return on assets | -1.3627% | 7,192 |
| Return on Equity (ROE) | -9.3714% | 7,228 |
| Retained earnings to average equity (ytd only) | -9.3714% | 7,011 |
| Net charge-offs to loans | 0.2342% | 3,905 |
| Credit loss provision to net charge-offs | 919.6939% | 486 |
| Earnings coverage of net charge-offs (x) | -4.9959% | 6,834 |
| Efficiency ratio | 132.4238% | 446 |
| Assets per employee ($millions) | 3.1328% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,289 |
| Loan loss allowance to noncurrent loans | 58.7556% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.0515% | 2,396 |
| Noncurrent loans to loans | 1.8730% | 2,950 |
| Net loans and leases to total assets | 79.9570% | 1,672 |
| Net loans and leases to deposits | 111.0667% | 760 |
| Net loans and leases to core deposits | 145.0389% | 1,052 |
| Total domestic deposits to total assets | 71.9901% | 6,997 |
| Equity capital to assets | 10.2581% | 3,750 |
| Core capital (leverage) ratio | 10.2768% | 3,192 |
| Tier 1 risk-based capital ratio | 11.7219% | 5,042 |
| Total risk-based capital ratio | 12.7348% | 5,145 |
| Memoranda: | ||
| Average total assets | $508,856,600 | 1,329 |
| Average earning assets | $472,826,000 | 1,307 |
| Average equity | $45,905,600 | 1,482 |
| Average total loans | $418,465,000 | 1,145 |