Home > Medallion Bank > Performance and Condition Ratios
Medallion 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 | 11.3999% | 65 |
| Cost of funding earning assets | 2.3010% | 541 |
| Net interest margin | 9.0989% | 28 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.2005% | 3,129 |
| Loan and lease loss provision to assets | 1.6900% | 36 |
| Net operating income to assets | 3.7065% | 114 |
| Return on assets (ROA) | 3.7073% | 115 |
| Pretax return on assets | 4.9738% | 91 |
| Return on Equity (ROE) | 24.3800% | 333 |
| Retained earnings to average equity (ytd only) | 16.4244% | 248 |
| Net charge-offs to loans | 1.5216% | 60 |
| Credit loss provision to net charge-offs | 120.0823% | 1,670 |
| Earnings coverage of net charge-offs (x) | 4.7287% | 2,569 |
| Efficiency ratio | 24.8199% | 4,516 |
| Assets per employee ($millions) | 17.7058% | 138 |
| Cash dividends to net income (ytd only)* | 32.6191% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7748% | 65 |
| Loan loss allowance to noncurrent loans | 562.7298% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 878 |
| Noncurrent loans to loans | 0.6708% | 1,168 |
| Net loans and leases to total assets | 89.1800% | 49 |
| Net loans and leases to deposits | 108.0177% | 238 |
| Net loans and leases to core deposits | 7,146.0788% | 20 |
| Total domestic deposits to total assets | 82.5600% | 3,000 |
| Equity capital to assets | 15.5225% | 506 |
| Core capital (leverage) ratio | 16.2378% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0992% | 898 |
| Memoranda: | ||
| Average total assets | $2,153,890,600 | 533 |
| Average earning assets | $2,076,667,800 | 502 |
| Average equity | $327,592,800 | 367 |
| Average total loans | $1,995,290,000 | 406 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2830% | 62 |
| Cost of funding earning assets | 2.1722% | 522 |
| Net interest margin | 9.1108% | 26 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.2188% | 3,028 |
| Loan and lease loss provision to assets | 1.6800% | 39 |
| Net operating income to assets | 3.6347% | 125 |
| Return on assets (ROA) | 3.6320% | 125 |
| Pretax return on assets | 4.9660% | 97 |
| Return on Equity (ROE) | 24.0100% | 437 |
| Retained earnings to average equity (ytd only) | 17.9849% | 341 |
| Net charge-offs to loans | 1.6815% | 47 |
| Credit loss provision to net charge-offs | 107.6836% | 1,568 |
| Earnings coverage of net charge-offs (x) | 4.2675% | 2,404 |
| Efficiency ratio | 25.0279% | 4,537 |
| Assets per employee ($millions) | 17.2682% | 138 |
| Cash dividends to net income (ytd only)* | 25.1002% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5729% | 74 |
| Loan loss allowance to noncurrent loans | 716.4091% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 1,255 |
| Noncurrent loans to loans | 0.4987% | 1,567 |
| Net loans and leases to total assets | 89.5900% | 45 |
| Net loans and leases to deposits | 109.0041% | 221 |
| Net loans and leases to core deposits | 6,411.7530% | 4 |
| Total domestic deposits to total assets | 82.1900% | 3,178 |
| Equity capital to assets | 15.0343% | 536 |
| Core capital (leverage) ratio | 16.0773% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5614% | 1,010 |
| Memoranda: | ||
| Average total assets | $2,125,778,750 | 541 |
| Average earning assets | $2,049,146,000 | 509 |
| Average equity | $321,543,000 | 375 |
| Average total loans | $1,969,028,250 | 408 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0825% | 61 |
| Cost of funding earning assets | 1.9887% | 507 |
| Net interest margin | 9.0938% | 29 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 2.2171% | 3,025 |
| Loan and lease loss provision to assets | 1.2200% | 49 |
| Net operating income to assets | 3.9180% | 102 |
| Return on assets (ROA) | 3.9180% | 103 |
| Pretax return on assets | 5.3646% | 86 |
| Return on Equity (ROE) | 25.8500% | 343 |
| Retained earnings to average equity (ytd only) | 17.5863% | 367 |
| Net charge-offs to loans | 1.5021% | 57 |
| Credit loss provision to net charge-offs | 87.9704% | 1,515 |
| Earnings coverage of net charge-offs (x) | 4.7398% | 2,205 |
| Efficiency ratio | 25.1815% | 4,563 |
| Assets per employee ($millions) | 17.1070% | 137 |
| Cash dividends to net income (ytd only)* | 31.9576% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4616% | 93 |
| Loan loss allowance to noncurrent loans | 747.7446% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 1,243 |
| Noncurrent loans to loans | 0.4629% | 1,555 |
| Net loans and leases to total assets | 89.6000% | 41 |
| Net loans and leases to deposits | 109.6098% | 210 |
| Net loans and leases to core deposits | 5,226.5483% | 4 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 14.6438% | 559 |
| Core capital (leverage) ratio | 16.0251% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1204% | 1,103 |
| Memoranda: | ||
| Average total assets | $2,080,325,333 | 542 |
| Average earning assets | $2,005,075,667 | 509 |
| Average equity | $315,358,333 | 369 |
| Average total loans | $1,924,776,000 | 402 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9401% | 21 |
| Cost of funding earning assets | 1.7777% | 474 |
| Net interest margin | 9.1624% | 23 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 2.2536% | 2,949 |
| Loan and lease loss provision to assets | 0.7700% | 88 |
| Net operating income to assets | 4.2626% | 92 |
| Return on assets (ROA) | 4.2670% | 90 |
| Pretax return on assets | 5.8134% | 77 |
| Return on Equity (ROE) | 27.6300% | 308 |
| Retained earnings to average equity (ytd only) | 19.2312% | 417 |
| Net charge-offs to loans | 2.4545% | 36 |
| Credit loss provision to net charge-offs | 33.8985% | 1,335 |
| Earnings coverage of net charge-offs (x) | 2.9007% | 1,910 |
| Efficiency ratio | 25.5221% | 4,630 |
| Assets per employee ($millions) | 16.4993% | 152 |
| Cash dividends to net income (ytd only)* | 30.3930% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4785% | 89 |
| Loan loss allowance to noncurrent loans | 814.3495% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 1,323 |
| Noncurrent loans to loans | 0.4272% | 1,652 |
| Net loans and leases to total assets | 88.3400% | 63 |
| Net loans and leases to deposits | 107.2271% | 224 |
| Net loans and leases to core deposits | 14,402.8933% | 5 |
| Total domestic deposits to total assets | 82.3900% | 3,422 |
| Equity capital to assets | 15.2130% | 463 |
| Core capital (leverage) ratio | 16.4328% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8883% | 1,008 |
| Memoranda: | ||
| Average total assets | $2,008,532,500 | 575 |
| Average earning assets | $1,935,083,000 | 542 |
| Average equity | $310,205,000 | 384 |
| Average total loans | $1,855,182,000 | 421 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0276% | 17 |
| Cost of funding earning assets | 1.3365% | 44 |
| Net interest margin | 9.6910% | 17 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.2919% | 2,762 |
| Loan and lease loss provision to assets | 1.4000% | 29 |
| Net operating income to assets | 4.2316% | 74 |
| Return on assets (ROA) | 4.2215% | 72 |
| Pretax return on assets | 5.6573% | 68 |
| Return on Equity (ROE) | 26.3100% | 171 |
| Retained earnings to average equity (ytd only) | 17.1304% | 166 |
| Net charge-offs to loans | 1.0122% | 65 |
| Credit loss provision to net charge-offs | 150.0972% | 1,296 |
| Earnings coverage of net charge-offs (x) | 7.5908% | 2,300 |
| Efficiency ratio | 24.4873% | 4,679 |
| Assets per employee ($millions) | 16.5648% | 153 |
| Cash dividends to net income (ytd only)* | 34.8978% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3812% | 89 |
| Loan loss allowance to noncurrent loans | 279.0835% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 349 |
| Noncurrent loans to loans | 1.2115% | 582 |
| Net loans and leases to total assets | 90.1000% | 33 |
| Net loans and leases to deposits | 109.3161% | 169 |
| Net loans and leases to core deposits | 12,813.6423% | 4 |
| Total domestic deposits to total assets | 82.4200% | 3,547 |
| Equity capital to assets | 15.6885% | 411 |
| Core capital (leverage) ratio | 16.2071% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7341% | 1,021 |
| Memoranda: | ||
| Average total assets | $1,768,047,000 | 616 |
| Average earning assets | $1,695,969,400 | 591 |
| Average equity | $283,653,400 | 397 |
| Average total loans | $1,626,380,600 | 439 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9403% | 16 |
| Cost of funding earning assets | 1.2378% | 18 |
| Net interest margin | 9.7025% | 16 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 2.2824% | 2,682 |
| Loan and lease loss provision to assets | 1.2600% | 29 |
| Net operating income to assets | 4.2674% | 74 |
| Return on assets (ROA) | 4.2534% | 72 |
| Pretax return on assets | 5.7969% | 67 |
| Return on Equity (ROE) | 26.3500% | 154 |
| Retained earnings to average equity (ytd only) | 16.9743% | 211 |
| Net charge-offs to loans | 0.7517% | 71 |
| Credit loss provision to net charge-offs | 183.3015% | 1,024 |
| Earnings coverage of net charge-offs (x) | 10.2746% | 1,993 |
| Efficiency ratio | 24.3860% | 4,711 |
| Assets per employee ($millions) | 16.6558% | 156 |
| Cash dividends to net income (ytd only)* | 35.5732% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4510% | 90 |
| Loan loss allowance to noncurrent loans | 302.8244% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 414 |
| Noncurrent loans to loans | 1.1396% | 650 |
| Net loans and leases to total assets | 89.5700% | 31 |
| Net loans and leases to deposits | 109.0376% | 133 |
| Net loans and leases to core deposits | 16,478.7327% | 3 |
| Total domestic deposits to total assets | 82.1500% | 3,817 |
| Equity capital to assets | 15.4433% | 416 |
| Core capital (leverage) ratio | 16.2210% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5478% | 1,078 |
| Memoranda: | ||
| Average total assets | $1,721,395,750 | 633 |
| Average earning assets | $1,648,703,250 | 606 |
| Average equity | $277,903,000 | 408 |
| Average total loans | $1,577,291,500 | 451 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8311% | 16 |
| Cost of funding earning assets | 1.1406% | 19 |
| Net interest margin | 9.6905% | 16 |
| Noninterest income to average assets | 0.0505% | 4,627 |
| Noninterest expense to average assets | 2.3143% | 2,509 |
| Loan and lease loss provision to assets | 0.9782% | 43 |
| Net operating income to assets | 4.4237% | 35 |
| Return on assets (ROA) | 4.4090% | 32 |
| Pretax return on assets | 6.0072% | 30 |
| Return on Equity (ROE) | 26.8665% | 87 |
| Retained earnings to average equity (ytd only) | 17.3179% | 135 |
| Net charge-offs to loans | 0.4532% | 153 |
| Credit loss provision to net charge-offs | 236.6812% | 897 |
| Earnings coverage of net charge-offs (x) | 16.9467% | 1,612 |
| Efficiency ratio | 24.8363% | 4,739 |
| Assets per employee ($millions) | 17.1380% | 138 |
| Cash dividends to net income (ytd only)* | 35.5410% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5448% | 96 |
| Loan loss allowance to noncurrent loans | 315.4582% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 449 |
| Noncurrent loans to loans | 1.1237% | 727 |
| Net loans and leases to total assets | 87.8222% | 47 |
| Net loans and leases to deposits | 107.2749% | 112 |
| Net loans and leases to core deposits | 16,063.7121% | 4 |
| Total domestic deposits to total assets | 81.8665% | 4,023 |
| Equity capital to assets | 15.7229% | 351 |
| Core capital (leverage) ratio | 17.0053% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0276% | 986 |
| Memoranda: | ||
| Average total assets | $1,662,275,667 | 652 |
| Average earning assets | $1,589,744,000 | 624 |
| Average equity | $272,793,667 | 416 |
| Average total loans | $1,515,868,000 | 462 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8428% | 16 |
| Cost of funding earning assets | 1.0921% | 22 |
| Net interest margin | 9.7507% | 17 |
| Noninterest income to average assets | -0.0090% | 4,774 |
| Noninterest expense to average assets | 2.3423% | 2,366 |
| Loan and lease loss provision to assets | 0.5379% | 86 |
| Net operating income to assets | 4.7329% | 43 |
| Return on assets (ROA) | 4.7149% | 41 |
| Pretax return on assets | 6.3968% | 35 |
| Return on Equity (ROE) | 28.0662% | 70 |
| Retained earnings to average equity (ytd only) | 18.3368% | 133 |
| Net charge-offs to loans | 0.7076% | 96 |
| Credit loss provision to net charge-offs | 83.2880% | 1,107 |
| Earnings coverage of net charge-offs (x) | 10.7734% | 1,452 |
| Efficiency ratio | 25.1862% | 4,763 |
| Assets per employee ($millions) | 16.6156% | 155 |
| Cash dividends to net income (ytd only)* | 34.6660% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5451% | 97 |
| Loan loss allowance to noncurrent loans | 286.7703% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 411 |
| Noncurrent loans to loans | 1.2362% | 712 |
| Net loans and leases to total assets | 87.5900% | 34 |
| Net loans and leases to deposits | 107.8741% | 82 |
| Net loans and leases to core deposits | 15,027.2007% | 3 |
| Total domestic deposits to total assets | 81.1965% | 4,179 |
| Equity capital to assets | 16.5964% | 287 |
| Core capital (leverage) ratio | 17.5100% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8374% | 925 |
| Memoranda: | ||
| Average total assets | $1,593,670,500 | 671 |
| Average earning assets | $1,521,457,000 | 653 |
| Average equity | $267,724,500 | 427 |
| Average total loans | $1,454,588,500 | 480 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5622% | 15 |
| Cost of funding earning assets | 1.3158% | 16 |
| Net interest margin | 10.2464% | 16 |
| Noninterest income to average assets | -0.1200% | 4,835 |
| Noninterest expense to average assets | 2.5170% | 2,132 |
| Loan and lease loss provision to assets | 0.2651% | 332 |
| Net operating income to assets | 4.9569% | 43 |
| Return on assets (ROA) | 4.9541% | 44 |
| Pretax return on assets | 6.7634% | 40 |
| Return on Equity (ROE) | 28.9382% | 77 |
| Retained earnings to average equity (ytd only) | 18.5833% | 84 |
| Net charge-offs to loans | 1.2411% | 51 |
| Credit loss provision to net charge-offs | 23.5316% | 2,266 |
| Earnings coverage of net charge-offs (x) | 6.2413% | 2,410 |
| Efficiency ratio | 26.3588% | 4,806 |
| Assets per employee ($millions) | 16.5849% | 164 |
| Cash dividends to net income (ytd only)* | 35.7830% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7716% | 76 |
| Loan loss allowance to noncurrent loans | 285.9959% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 408 |
| Noncurrent loans to loans | 1.3188% | 711 |
| Net loans and leases to total assets | 88.3062% | 29 |
| Net loans and leases to deposits | 108.6029% | 88 |
| Net loans and leases to core deposits | 14,205.5695% | 4 |
| Total domestic deposits to total assets | 81.3111% | 4,065 |
| Equity capital to assets | 17.0156% | 299 |
| Core capital (leverage) ratio | 17.5331% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9664% | 897 |
| Memoranda: | ||
| Average total assets | $1,412,899,600 | 711 |
| Average earning assets | $1,333,301,000 | 701 |
| Average equity | $241,884,400 | 460 |
| Average total loans | $1,282,648,200 | 527 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5737% | 16 |
| Cost of funding earning assets | 1.3718% | 14 |
| Net interest margin | 10.2020% | 16 |
| Noninterest income to average assets | -0.1920% | 4,910 |
| Noninterest expense to average assets | 2.4858% | 2,166 |
| Loan and lease loss provision to assets | 0.2094% | 476 |
| Net operating income to assets | 4.9266% | 51 |
| Return on assets (ROA) | 4.9243% | 49 |
| Pretax return on assets | 6.7102% | 42 |
| Return on Equity (ROE) | 28.7150% | 107 |
| Retained earnings to average equity (ytd only) | 22.4997% | 79 |
| Net charge-offs to loans | 1.5763% | 38 |
| Credit loss provision to net charge-offs | 14.6764% | 2,012 |
| Earnings coverage of net charge-offs (x) | 4.8523% | 2,246 |
| Efficiency ratio | 26.4207% | 4,880 |
| Assets per employee ($millions) | 17.2103% | 142 |
| Cash dividends to net income (ytd only)* | 21.6447% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9189% | 71 |
| Loan loss allowance to noncurrent loans | 293.4553% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 482 |
| Noncurrent loans to loans | 1.3354% | 801 |
| Net loans and leases to total assets | 87.7170% | 41 |
| Net loans and leases to deposits | 108.2215% | 111 |
| Net loans and leases to core deposits | 13,540.7280% | 5 |
| Total domestic deposits to total assets | 81.0532% | 4,086 |
| Equity capital to assets | 17.4116% | 306 |
| Core capital (leverage) ratio | 18.2123% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3669% | 901 |
| Memoranda: | ||
| Average total assets | $1,380,525,750 | 732 |
| Average earning assets | $1,299,115,500 | 722 |
| Average equity | $236,743,750 | 470 |
| Average total loans | $1,249,456,750 | 551 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5951% | 15 |
| Cost of funding earning assets | 1.4516% | 14 |
| Net interest margin | 10.1435% | 15 |
| Noninterest income to average assets | -0.2911% | 4,948 |
| Noninterest expense to average assets | 2.5377% | 2,030 |
| Loan and lease loss provision to assets | 0.3509% | 212 |
| Net operating income to assets | 4.6485% | 58 |
| Return on assets (ROA) | 4.6449% | 58 |
| Pretax return on assets | 6.3335% | 52 |
| Return on Equity (ROE) | 27.2385% | 140 |
| Retained earnings to average equity (ytd only) | 21.1241% | 127 |
| Net charge-offs to loans | 2.4883% | 26 |
| Credit loss provision to net charge-offs | 15.6318% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.9797% | 2,097 |
| Efficiency ratio | 27.5041% | 4,910 |
| Assets per employee ($millions) | 16.0671% | 165 |
| Cash dividends to net income (ytd only)* | 22.4473% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1415% | 62 |
| Loan loss allowance to noncurrent loans | 269.6940% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 444 |
| Noncurrent loans to loans | 1.5356% | 735 |
| Net loans and leases to total assets | 86.4308% | 70 |
| Net loans and leases to deposits | 105.8083% | 162 |
| Net loans and leases to core deposits | 25,011.2157% | 4 |
| Total domestic deposits to total assets | 81.6862% | 3,980 |
| Equity capital to assets | 17.1273% | 318 |
| Core capital (leverage) ratio | 18.0918% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1786% | 929 |
| Memoranda: | ||
| Average total assets | $1,347,339,667 | 746 |
| Average earning assets | $1,264,238,333 | 737 |
| Average equity | $229,756,000 | 478 |
| Average total loans | $1,215,529,333 | 567 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6311% | 13 |
| Cost of funding earning assets | 1.5327% | 17 |
| Net interest margin | 10.0984% | 15 |
| Noninterest income to average assets | -0.3132% | 4,968 |
| Noninterest expense to average assets | 2.5850% | 1,918 |
| Loan and lease loss provision to assets | 0.8338% | 56 |
| Net operating income to assets | 4.1989% | 70 |
| Return on assets (ROA) | 4.1922% | 73 |
| Pretax return on assets | 5.7078% | 62 |
| Return on Equity (ROE) | 24.6421% | 271 |
| Retained earnings to average equity (ytd only) | 19.2528% | 302 |
| Net charge-offs to loans | 1.0160% | 75 |
| Credit loss provision to net charge-offs | 90.9363% | 1,167 |
| Earnings coverage of net charge-offs (x) | 7.1441% | 1,627 |
| Efficiency ratio | 28.2972% | 4,924 |
| Assets per employee ($millions) | 14.6518% | 213 |
| Cash dividends to net income (ytd only)* | 21.8705% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4224% | 31 |
| Loan loss allowance to noncurrent loans | 170.4080% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 2.8734% | 111 |
| Noncurrent loans to loans | 3.1820% | 237 |
| Net loans and leases to total assets | 85.4042% | 104 |
| Net loans and leases to deposits | 104.7729% | 192 |
| Net loans and leases to core deposits | 25,962.3575% | 3 |
| Total domestic deposits to total assets | 81.5136% | 3,985 |
| Equity capital to assets | 17.1475% | 297 |
| Core capital (leverage) ratio | 18.0281% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1612% | 901 |
| Memoranda: | ||
| Average total assets | $1,314,057,500 | 759 |
| Average earning assets | $1,229,467,500 | 753 |
| Average equity | $223,552,000 | 480 |
| Average total loans | $1,185,871,000 | 579 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9412% | 14 |
| Cost of funding earning assets | 1.8975% | 14 |
| Net interest margin | 10.0438% | 14 |
| Noninterest income to average assets | -1.4170% | 4,999 |
| Noninterest expense to average assets | 2.6920% | 2,261 |
| Loan and lease loss provision to assets | 5.0075% | 8 |
| Net operating income to assets | 0.1983% | 4,573 |
| Return on assets (ROA) | 0.1998% | 4,633 |
| Pretax return on assets | 0.2735% | 4,580 |
| Return on Equity (ROE) | 1.1432% | 4,664 |
| Retained earnings to average equity (ytd only) | -4.3995% | 4,822 |
| Net charge-offs to loans | 4.9967% | 10 |
| Credit loss provision to net charge-offs | 109.8857% | 2,726 |
| Earnings coverage of net charge-offs (x) | 1.1585% | 3,277 |
| Efficiency ratio | 33.7717% | 4,944 |
| Assets per employee ($millions) | 14.8827% | 185 |
| Cash dividends to net income (ytd only)* | 484.8509% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6140% | 30 |
| Loan loss allowance to noncurrent loans | 155.6656% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 3.2526% | 99 |
| Noncurrent loans to loans | 3.6064% | 185 |
| Net loans and leases to total assets | 85.1246% | 127 |
| Net loans and leases to deposits | 103.1848% | 278 |
| Net loans and leases to core deposits | 81,947.2862% | 1 |
| Total domestic deposits to total assets | 82.4972% | 3,536 |
| Equity capital to assets | 16.8732% | 349 |
| Core capital (leverage) ratio | 16.9277% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7702% | 934 |
| Memoranda: | ||
| Average total assets | $1,259,072,400 | 722 |
| Average earning assets | $1,176,879,600 | 716 |
| Average equity | $220,001,800 | 469 |
| Average total loans | $1,148,276,000 | 561 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8845% | 13 |
| Cost of funding earning assets | 1.9747% | 17 |
| Net interest margin | 9.9098% | 14 |
| Noninterest income to average assets | -1.1265% | 5,030 |
| Noninterest expense to average assets | 2.7101% | 2,232 |
| Loan and lease loss provision to assets | 7.1466% | 5 |
| Net operating income to assets | -1.2617% | 4,963 |
| Return on assets (ROA) | -1.2598% | 4,963 |
| Pretax return on assets | -1.7129% | 4,976 |
| Return on Equity (ROE) | -7.1461% | 4,939 |
| Retained earnings to average equity (ytd only) | -12.7018% | 4,954 |
| Net charge-offs to loans | 3.3171% | 27 |
| Credit loss provision to net charge-offs | 235.5538% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1.7901% | 3,046 |
| Efficiency ratio | 33.2888% | 4,976 |
| Assets per employee ($millions) | 14.7436% | 173 |
| Cash dividends to net income (ytd only)* | -77.7430% | 5,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1577% | 18 |
| Loan loss allowance to noncurrent loans | 112.2122% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 6.9800% | 27 |
| Noncurrent loans to loans | 7.2699% | 52 |
| Net loans and leases to total assets | 86.4070% | 136 |
| Net loans and leases to deposits | 104.5365% | 371 |
| Net loans and leases to core deposits | 316,667.1429% | 1 |
| Total domestic deposits to total assets | 82.6572% | 3,233 |
| Equity capital to assets | 16.1552% | 454 |
| Core capital (leverage) ratio | 15.4748% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4777% | 1,138 |
| Memoranda: | ||
| Average total assets | $1,250,141,000 | 712 |
| Average earning assets | $1,169,142,750 | 707 |
| Average equity | $220,383,750 | 461 |
| Average total loans | $1,143,408,000 | 557 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6665% | 13 |
| Cost of funding earning assets | 2.0437% | 18 |
| Net interest margin | 9.6228% | 16 |
| Noninterest income to average assets | -0.8293% | 5,057 |
| Noninterest expense to average assets | 2.7450% | 2,239 |
| Loan and lease loss provision to assets | 5.1173% | 14 |
| Net operating income to assets | 0.2235% | 4,535 |
| Return on assets (ROA) | 0.2235% | 4,574 |
| Pretax return on assets | 0.3221% | 4,511 |
| Return on Equity (ROE) | 1.2324% | 4,659 |
| Retained earnings to average equity (ytd only) | -4.2586% | 4,740 |
| Net charge-offs to loans | 2.3203% | 52 |
| Credit loss provision to net charge-offs | 243.5407% | 1,767 |
| Earnings coverage of net charge-offs (x) | 2.5887% | 2,756 |
| Efficiency ratio | 33.5391% | 4,996 |
| Assets per employee ($millions) | 15.1741% | 164 |
| Cash dividends to net income (ytd only)* | 445.5596% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6510% | 23 |
| Loan loss allowance to noncurrent loans | 138.4491% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 4.2990% | 73 |
| Noncurrent loans to loans | 4.8040% | 122 |
| Net loans and leases to total assets | 83.5365% | 290 |
| Net loans and leases to deposits | 102.3016% | 439 |
| Net loans and leases to core deposits | 315,087.4286% | 1 |
| Total domestic deposits to total assets | 81.6571% | 3,458 |
| Equity capital to assets | 16.9286% | 380 |
| Core capital (leverage) ratio | 16.9597% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0570% | 896 |
| Memoranda: | ||
| Average total assets | $1,239,291,000 | 707 |
| Average earning assets | $1,160,842,333 | 693 |
| Average equity | $224,771,333 | 451 |
| Average total loans | $1,122,283,667 | 561 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0156% | 15 |
| Cost of funding earning assets | 2.1176% | 19 |
| Net interest margin | 9.8981% | 18 |
| Noninterest income to average assets | -1.5081% | 5,106 |
| Noninterest expense to average assets | 2.8577% | 2,248 |
| Loan and lease loss provision to assets | 5.0952% | 14 |
| Net operating income to assets | -0.1455% | 4,823 |
| Return on assets (ROA) | -0.1455% | 4,806 |
| Pretax return on assets | -0.1955% | 4,808 |
| Return on Equity (ROE) | -0.7737% | 4,790 |
| Retained earnings to average equity (ytd only) | -6.3793% | 4,606 |
| Net charge-offs to loans | 3.3388% | 36 |
| Credit loss provision to net charge-offs | 167.4268% | 1,521 |
| Earnings coverage of net charge-offs (x) | 1.6100% | 2,368 |
| Efficiency ratio | 36.8387% | 5,022 |
| Assets per employee ($millions) | 14.3059% | 146 |
| Cash dividends to net income (ytd only)* | -724.5413% | 5,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9711% | 28 |
| Loan loss allowance to noncurrent loans | 160.4178% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 3.4256% | 144 |
| Noncurrent loans to loans | 3.7222% | 234 |
| Net loans and leases to total assets | 86.5345% | 117 |
| Net loans and leases to deposits | 107.9986% | 229 |
| Net loans and leases to core deposits | 297,109.1429% | 1 |
| Total domestic deposits to total assets | 80.1255% | 3,837 |
| Equity capital to assets | 18.6147% | 315 |
| Core capital (leverage) ratio | 18.7840% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3294% | 828 |
| Memoranda: | ||
| Average total assets | $1,198,862,500 | 692 |
| Average earning assets | $1,122,238,000 | 683 |
| Average equity | $225,416,000 | 451 |
| Average total loans | $1,092,735,500 | 550 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2624% | 17 |
| Cost of funding earning assets | 2.1763% | 28 |
| Net interest margin | 10.0860% | 19 |
| Noninterest income to average assets | -0.2171% | 5,165 |
| Noninterest expense to average assets | 3.0236% | 1,958 |
| Loan and lease loss provision to assets | 3.5265% | 19 |
| Net operating income to assets | 2.0748% | 287 |
| Return on assets (ROA) | 2.0748% | 298 |
| Pretax return on assets | 2.6579% | 157 |
| Return on Equity (ROE) | 12.5168% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.3278% | 432 |
| Net charge-offs to loans | 4.2324% | 20 |
| Credit loss provision to net charge-offs | 91.3579% | 2,636 |
| Earnings coverage of net charge-offs (x) | 1.6021% | 3,519 |
| Efficiency ratio | 32.8364% | 5,124 |
| Assets per employee ($millions) | 14.7970% | 128 |
| Cash dividends to net income (ytd only)* | 17.4886% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2284% | 28 |
| Loan loss allowance to noncurrent loans | 513.9592% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 1,391 |
| Noncurrent loans to loans | 1.0173% | 1,493 |
| Net loans and leases to total assets | 85.3618% | 213 |
| Net loans and leases to deposits | 107.2055% | 256 |
| Net loans and leases to core deposits | 1,023,110.0000% | 1 |
| Total domestic deposits to total assets | 79.6245% | 4,052 |
| Equity capital to assets | 19.1495% | 289 |
| Core capital (leverage) ratio | 19.5551% | 257 |
| Tier 1 risk-based capital ratio | 19.9984% | 1,327 |
| Total risk-based capital ratio | 21.2938% | 1,294 |
| Memoranda: | ||
| Average total assets | $1,107,332,600 | 719 |
| Average earning assets | $1,034,767,400 | 708 |
| Average equity | $183,553,600 | 507 |
| Average total loans | $1,009,933,800 | 569 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2498% | 18 |
| Cost of funding earning assets | 2.1599% | 31 |
| Net interest margin | 10.0898% | 20 |
| Noninterest income to average assets | -0.2839% | 5,239 |
| Noninterest expense to average assets | 3.0189% | 1,922 |
| Loan and lease loss provision to assets | 4.0202% | 12 |
| Net operating income to assets | 1.6902% | 764 |
| Return on assets (ROA) | 1.6902% | 804 |
| Pretax return on assets | 2.1005% | 549 |
| Return on Equity (ROE) | 10.6532% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.2778% | 967 |
| Net charge-offs to loans | 4.6028% | 20 |
| Credit loss provision to net charge-offs | 95.4384% | 2,341 |
| Earnings coverage of net charge-offs (x) | 1.4530% | 3,288 |
| Efficiency ratio | 33.0307% | 5,197 |
| Assets per employee ($millions) | 15.0931% | 120 |
| Cash dividends to net income (ytd only)* | 12.9110% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5169% | 30 |
| Loan loss allowance to noncurrent loans | 484.4430% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 1,284 |
| Noncurrent loans to loans | 1.1388% | 1,394 |
| Net loans and leases to total assets | 86.3162% | 173 |
| Net loans and leases to deposits | 104.1586% | 404 |
| Net loans and leases to core deposits | 1,003,138.0000% | 1 |
| Total domestic deposits to total assets | 82.8699% | 3,206 |
| Equity capital to assets | 15.5132% | 726 |
| Core capital (leverage) ratio | 15.9098% | 572 |
| Tier 1 risk-based capital ratio | 16.0584% | 2,404 |
| Total risk-based capital ratio | 17.3576% | 2,330 |
| Memoranda: | ||
| Average total assets | $1,084,526,500 | 735 |
| Average earning assets | $1,012,902,000 | 719 |
| Average equity | $172,062,500 | 539 |
| Average total loans | $992,529,000 | 582 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1110% | 18 |
| Cost of funding earning assets | 2.1036% | 37 |
| Net interest margin | 10.0074% | 19 |
| Noninterest income to average assets | -0.4341% | 5,291 |
| Noninterest expense to average assets | 3.1431% | 1,629 |
| Loan and lease loss provision to assets | 4.7957% | 10 |
| Net operating income to assets | 0.8430% | 3,498 |
| Return on assets (ROA) | 0.8430% | 3,555 |
| Pretax return on assets | 0.9784% | 3,621 |
| Return on Equity (ROE) | 5.2705% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.8731% | 3,308 |
| Net charge-offs to loans | 5.3322% | 12 |
| Credit loss provision to net charge-offs | 98.2126% | 2,026 |
| Earnings coverage of net charge-offs (x) | 1.1825% | 3,044 |
| Efficiency ratio | 35.2471% | 5,230 |
| Assets per employee ($millions) | 13.8670% | 134 |
| Cash dividends to net income (ytd only)* | 26.5128% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8892% | 22 |
| Loan loss allowance to noncurrent loans | 430.9837% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 1,048 |
| Noncurrent loans to loans | 1.3665% | 1,136 |
| Net loans and leases to total assets | 85.9601% | 217 |
| Net loans and leases to deposits | 102.7863% | 488 |
| Net loans and leases to core deposits | 953,608.0000% | 1 |
| Total domestic deposits to total assets | 83.6299% | 2,997 |
| Equity capital to assets | 15.4594% | 717 |
| Core capital (leverage) ratio | 15.9585% | 551 |
| Tier 1 risk-based capital ratio | 16.0204% | 2,404 |
| Total risk-based capital ratio | 17.3239% | 2,325 |
| Memoranda: | ||
| Average total assets | $1,058,646,330 | 747 |
| Average earning assets | $989,252,670 | 734 |
| Average equity | $169,320,330 | 545 |
| Average total loans | $969,468,000 | 593 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9235% | 15 |
| Cost of funding earning assets | 2.0378% | 45 |
| Net interest margin | 9.8857% | 17 |
| Noninterest income to average assets | -0.6461% | 5,352 |
| Noninterest expense to average assets | 3.3226% | 1,243 |
| Loan and lease loss provision to assets | 4.3380% | 10 |
| Net operating income to assets | 0.9264% | 3,135 |
| Return on assets (ROA) | 0.9264% | 3,171 |
| Pretax return on assets | 0.9368% | 3,649 |
| Return on Equity (ROE) | 5.6898% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.2846% | 3,208 |
| Net charge-offs to loans | 5.1446% | 13 |
| Credit loss provision to net charge-offs | 91.9504% | 1,700 |
| Earnings coverage of net charge-offs (x) | 1.1181% | 2,619 |
| Efficiency ratio | 38.6465% | 5,233 |
| Assets per employee ($millions) | 13.7197% | 140 |
| Cash dividends to net income (ytd only)* | 24.6970% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1820% | 21 |
| Loan loss allowance to noncurrent loans | 441.3968% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 1,027 |
| Noncurrent loans to loans | 1.4006% | 1,155 |
| Net loans and leases to total assets | 86.0981% | 180 |
| Net loans and leases to deposits | 103.8778% | 397 |
| Net loans and leases to core deposits | 897,744.0000% | 1 |
| Total domestic deposits to total assets | 82.8840% | 3,425 |
| Equity capital to assets | 16.2525% | 540 |
| Core capital (leverage) ratio | 16.5554% | 472 |
| Tier 1 risk-based capital ratio | 16.8758% | 2,142 |
| Total risk-based capital ratio | 18.1830% | 2,079 |
| Memoranda: | ||
| Average total assets | $1,033,289,000 | 759 |
| Average earning assets | $966,160,500 | 749 |
| Average equity | $168,230,500 | 546 |
| Average total loans | $947,561,000 | 610 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6676% | 14 |
| Cost of funding earning assets | 1.7939% | 29 |
| Net interest margin | 9.8737% | 15 |
| Noninterest income to average assets | -0.8877% | 5,402 |
| Noninterest expense to average assets | 2.7252% | 2,943 |
| Loan and lease loss provision to assets | 4.7788% | 9 |
| Net operating income to assets | 0.5343% | 4,584 |
| Return on assets (ROA) | 0.5343% | 4,579 |
| Pretax return on assets | 0.8712% | 3,970 |
| Return on Equity (ROE) | 3.5181% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.0478% | 4,339 |
| Net charge-offs to loans | 5.6797% | 12 |
| Credit loss provision to net charge-offs | 93.9206% | 2,663 |
| Earnings coverage of net charge-offs (x) | 1.1104% | 3,651 |
| Efficiency ratio | 32.5395% | 5,353 |
| Assets per employee ($millions) | 13.6517% | 130 |
| Cash dividends to net income (ytd only)* | 41.7932% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4097% | 20 |
| Loan loss allowance to noncurrent loans | 235.8776% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 2.4900% | 310 |
| Noncurrent loans to loans | 2.7174% | 410 |
| Net loans and leases to total assets | 85.7606% | 248 |
| Net loans and leases to deposits | 103.5307% | 507 |
| Net loans and leases to core deposits | 878,085.0000% | 1 |
| Total domestic deposits to total assets | 82.8360% | 3,383 |
| Equity capital to assets | 16.3101% | 489 |
| Core capital (leverage) ratio | 15.8487% | 538 |
| Tier 1 risk-based capital ratio | 16.9031% | 2,099 |
| Total risk-based capital ratio | 18.2124% | 2,024 |
| Memoranda: | ||
| Average total assets | $1,060,379,800 | 725 |
| Average earning assets | $994,781,600 | 711 |
| Average equity | $161,054,000 | 539 |
| Average total loans | $949,931,400 | 584 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5145% | 14 |
| Cost of funding earning assets | 1.7100% | 30 |
| Net interest margin | 9.8045% | 16 |
| Noninterest income to average assets | -0.9634% | 5,474 |
| Noninterest expense to average assets | 2.7607% | 2,774 |
| Loan and lease loss provision to assets | 4.9179% | 10 |
| Net operating income to assets | 0.4045% | 4,947 |
| Return on assets (ROA) | 0.4045% | 4,949 |
| Pretax return on assets | 0.5634% | 4,794 |
| Return on Equity (ROE) | 2.7114% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.2283% | 4,799 |
| Net charge-offs to loans | 5.1692% | 18 |
| Credit loss provision to net charge-offs | 106.7863% | 2,162 |
| Earnings coverage of net charge-offs (x) | 1.1902% | 3,369 |
| Efficiency ratio | 33.4957% | 5,410 |
| Assets per employee ($millions) | 14.5422% | 110 |
| Cash dividends to net income (ytd only)* | 54.6996% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0221% | 15 |
| Loan loss allowance to noncurrent loans | 234.1384% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 2.5145% | 343 |
| Noncurrent loans to loans | 2.9991% | 364 |
| Net loans and leases to total assets | 77.9531% | 1,346 |
| Net loans and leases to deposits | 92.1658% | 1,598 |
| Net loans and leases to core deposits | 872,879.0000% | 1 |
| Total domestic deposits to total assets | 84.5792% | 2,770 |
| Equity capital to assets | 14.7157% | 777 |
| Core capital (leverage) ratio | 15.0762% | 687 |
| Tier 1 risk-based capital ratio | 16.3485% | 2,316 |
| Total risk-based capital ratio | 17.6646% | 2,238 |
| Memoranda: | ||
| Average total assets | $1,069,505,000 | 714 |
| Average earning assets | $1,004,157,250 | 699 |
| Average equity | $159,568,500 | 540 |
| Average total loans | $952,858,750 | 581 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2225% | 16 |
| Cost of funding earning assets | 1.5812% | 36 |
| Net interest margin | 9.6413% | 18 |
| Noninterest income to average assets | -2.0124% | 5,540 |
| Noninterest expense to average assets | 2.7718% | 2,756 |
| Loan and lease loss provision to assets | 6.2373% | 6 |
| Net operating income to assets | -1.4212% | 5,492 |
| Return on assets (ROA) | -1.4212% | 5,486 |
| Pretax return on assets | -1.9699% | 5,498 |
| Return on Equity (ROE) | -9.4797% | 5,470 |
| Retained earnings to average equity (ytd only) | -10.9788% | 5,428 |
| Net charge-offs to loans | 5.8621% | 14 |
| Credit loss provision to net charge-offs | 116.9814% | 1,821 |
| Earnings coverage of net charge-offs (x) | 0.8004% | 3,101 |
| Efficiency ratio | 39.3760% | 5,414 |
| Assets per employee ($millions) | 14.0514% | 118 |
| Cash dividends to net income (ytd only)* | -15.8134% | 5,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8305% | 17 |
| Loan loss allowance to noncurrent loans | 241.0656% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 2.6486% | 311 |
| Noncurrent loans to loans | 2.8335% | 417 |
| Net loans and leases to total assets | 87.0889% | 194 |
| Net loans and leases to deposits | 103.7394% | 539 |
| Net loans and leases to core deposits | 930,026.0000% | 1 |
| Total domestic deposits to total assets | 83.9497% | 3,085 |
| Equity capital to assets | 14.5013% | 803 |
| Core capital (leverage) ratio | 14.9463% | 683 |
| Tier 1 risk-based capital ratio | 14.6824% | 3,026 |
| Total risk-based capital ratio | 16.0002% | 2,923 |
| Memoranda: | ||
| Average total assets | $1,052,757,000 | 726 |
| Average earning assets | $988,370,000 | 718 |
| Average equity | $157,831,670 | 541 |
| Average total loans | $957,544,000 | 579 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9469% | 17 |
| Cost of funding earning assets | 1.4717% | 48 |
| Net interest margin | 9.4752% | 19 |
| Noninterest income to average assets | -3.1647% | 5,605 |
| Noninterest expense to average assets | 2.7372% | 2,915 |
| Loan and lease loss provision to assets | 6.7436% | 6 |
| Net operating income to assets | -2.7135% | 5,582 |
| Return on assets (ROA) | -2.7135% | 5,580 |
| Pretax return on assets | -3.7452% | 5,585 |
| Return on Equity (ROE) | -17.7222% | 5,568 |
| Retained earnings to average equity (ytd only) | -19.2007% | 5,496 |
| Net charge-offs to loans | 5.3256% | 15 |
| Credit loss provision to net charge-offs | 141.3287% | 1,266 |
| Earnings coverage of net charge-offs (x) | 0.6284% | 2,630 |
| Efficiency ratio | 47.7232% | 5,205 |
| Assets per employee ($millions) | 14.0307% | 121 |
| Cash dividends to net income (ytd only)* | -8.3427% | 5,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2474% | 17 |
| Loan loss allowance to noncurrent loans | 190.8438% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 3.5569% | 202 |
| Noncurrent loans to loans | 3.7976% | 271 |
| Net loans and leases to total assets | 86.8744% | 200 |
| Net loans and leases to deposits | 103.5744% | 504 |
| Net loans and leases to core deposits | 877,613.0000% | 1 |
| Total domestic deposits to total assets | 83.8763% | 3,379 |
| Equity capital to assets | 15.4514% | 575 |
| Core capital (leverage) ratio | 15.0767% | 647 |
| Tier 1 risk-based capital ratio | 15.5131% | 2,662 |
| Total risk-based capital ratio | 16.8366% | 2,578 |
| Memoranda: | ||
| Average total assets | $1,046,026,500 | 736 |
| Average earning assets | $982,565,000 | 722 |
| Average equity | $160,160,500 | 545 |
| Average total loans | $937,211,500 | 595 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7790% | 17 |
| Cost of funding earning assets | 1.3426% | 42 |
| Net interest margin | 9.4364% | 19 |
| Noninterest income to average assets | 0.0881% | 5,438 |
| Noninterest expense to average assets | 2.5259% | 3,694 |
| Loan and lease loss provision to assets | 4.7089% | 13 |
| Net operating income to assets | 0.4181% | 4,630 |
| Return on assets (ROA) | 0.4181% | 4,656 |
| Pretax return on assets | 1.8040% | 789 |
| Return on Equity (ROE) | 2.7421% | 4,901 |
| Retained earnings to average equity (ytd only) | 1.3166% | 4,491 |
| Net charge-offs to loans | 4.3297% | 18 |
| Credit loss provision to net charge-offs | 120.1434% | 2,177 |
| Earnings coverage of net charge-offs (x) | 1.6617% | 3,865 |
| Efficiency ratio | 27.9451% | 5,632 |
| Assets per employee ($millions) | 15.9095% | 79 |
| Cash dividends to net income (ytd only)* | 51.9877% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8320% | 16 |
| Loan loss allowance to noncurrent loans | 193.9417% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 3.0225% | 266 |
| Noncurrent loans to loans | 3.5227% | 285 |
| Net loans and leases to total assets | 79.9393% | 964 |
| Net loans and leases to deposits | 95.3654% | 1,141 |
| Net loans and leases to core deposits | 864,819.0000% | 1 |
| Total domestic deposits to total assets | 83.8243% | 3,271 |
| Equity capital to assets | 15.1806% | 646 |
| Core capital (leverage) ratio | 14.5328% | 725 |
| Tier 1 risk-based capital ratio | 16.4596% | 2,281 |
| Total risk-based capital ratio | 17.7739% | 2,194 |
| Memoranda: | ||
| Average total assets | $1,089,042,200 | 681 |
| Average earning assets | $1,032,993,200 | 658 |
| Average equity | $166,039,800 | 502 |
| Average total loans | $985,831,600 | 551 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5851% | 18 |
| Cost of funding earning assets | 1.2800% | 51 |
| Net interest margin | 9.3051% | 20 |
| Noninterest income to average assets | -0.0482% | 5,705 |
| Noninterest expense to average assets | 2.5474% | 3,576 |
| Loan and lease loss provision to assets | 4.0474% | 18 |
| Net operating income to assets | 1.3398% | 1,221 |
| Return on assets (ROA) | 1.3398% | 1,247 |
| Pretax return on assets | 2.1997% | 365 |
| Return on Equity (ROE) | 8.7786% | 2,737 |
| Retained earnings to average equity (ytd only) | 7.3571% | 1,513 |
| Net charge-offs to loans | 4.3210% | 23 |
| Credit loss provision to net charge-offs | 102.1533% | 2,237 |
| Earnings coverage of net charge-offs (x) | 1.5767% | 3,564 |
| Efficiency ratio | 28.9661% | 5,694 |
| Assets per employee ($millions) | 16.3158% | 70 |
| Cash dividends to net income (ytd only)* | 16.1923% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2911% | 33 |
| Loan loss allowance to noncurrent loans | 140.0282% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 3.5217% | 214 |
| Noncurrent loans to loans | 3.7786% | 275 |
| Net loans and leases to total assets | 88.2696% | 142 |
| Net loans and leases to deposits | 105.2456% | 445 |
| Net loans and leases to core deposits | 993,730.0000% | 1 |
| Total domestic deposits to total assets | 83.8701% | 3,168 |
| Equity capital to assets | 15.2351% | 685 |
| Core capital (leverage) ratio | 15.4334% | 588 |
| Tier 1 risk-based capital ratio | 15.2342% | 2,821 |
| Total risk-based capital ratio | 16.5334% | 2,737 |
| Memoranda: | ||
| Average total assets | $1,090,841,750 | 684 |
| Average earning assets | $1,036,641,000 | 656 |
| Average equity | $166,492,250 | 507 |
| Average total loans | $1,000,230,500 | 543 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3209% | 21 |
| Cost of funding earning assets | 1.2251% | 55 |
| Net interest margin | 9.0958% | 23 |
| Noninterest income to average assets | 0.1709% | 5,196 |
| Noninterest expense to average assets | 2.3536% | 4,199 |
| Loan and lease loss provision to assets | 4.6459% | 15 |
| Net operating income to assets | 1.0715% | 2,120 |
| Return on assets (ROA) | 1.0715% | 2,163 |
| Pretax return on assets | 1.8304% | 780 |
| Return on Equity (ROE) | 7.0162% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.5807% | 2,364 |
| Net charge-offs to loans | 5.0851% | 22 |
| Credit loss provision to net charge-offs | 100.2119% | 2,000 |
| Earnings coverage of net charge-offs (x) | 1.3969% | 3,288 |
| Efficiency ratio | 26.6549% | 5,752 |
| Assets per employee ($millions) | 15.6157% | 73 |
| Cash dividends to net income (ytd only)* | 20.4600% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4570% | 31 |
| Loan loss allowance to noncurrent loans | 126.7837% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 4.0168% | 169 |
| Noncurrent loans to loans | 4.3041% | 200 |
| Net loans and leases to total assets | 88.2308% | 135 |
| Net loans and leases to deposits | 105.6922% | 408 |
| Net loans and leases to core deposits | 316,890.0000% | 1 |
| Total domestic deposits to total assets | 83.4790% | 3,409 |
| Equity capital to assets | 15.4942% | 617 |
| Core capital (leverage) ratio | 15.6522% | 522 |
| Tier 1 risk-based capital ratio | 15.2554% | 2,826 |
| Total risk-based capital ratio | 16.5597% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,079,192,330 | 694 |
| Average earning assets | $1,027,375,330 | 665 |
| Average equity | $164,818,000 | 512 |
| Average total loans | $983,891,670 | 552 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2242% | 21 |
| Cost of funding earning assets | 1.2058% | 55 |
| Net interest margin | 9.0185% | 23 |
| Noninterest income to average assets | 1.0144% | 977 |
| Noninterest expense to average assets | 2.2406% | 4,555 |
| Loan and lease loss provision to assets | 4.9242% | 12 |
| Net operating income to assets | 1.5466% | 751 |
| Return on assets (ROA) | 1.5466% | 772 |
| Pretax return on assets | 2.4562% | 232 |
| Return on Equity (ROE) | 10.2007% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.7546% | 1,164 |
| Net charge-offs to loans | 8.6481% | 6 |
| Credit loss provision to net charge-offs | 63.1999% | 1,882 |
| Earnings coverage of net charge-offs (x) | 0.9472% | 2,774 |
| Efficiency ratio | 23.2889% | 5,826 |
| Assets per employee ($millions) | 16.1781% | 69 |
| Cash dividends to net income (ytd only)* | 14.1762% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0826% | 43 |
| Loan loss allowance to noncurrent loans | 115.5094% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 3.7600% | 214 |
| Noncurrent loans to loans | 4.4002% | 219 |
| Net loans and leases to total assets | 81.1080% | 676 |
| Net loans and leases to deposits | 96.4029% | 902 |
| Net loans and leases to core deposits | 175,831.0000% | 2 |
| Total domestic deposits to total assets | 84.1344% | 3,428 |
| Equity capital to assets | 15.2798% | 601 |
| Core capital (leverage) ratio | 15.2188% | 564 |
| Tier 1 risk-based capital ratio | 16.2894% | 2,444 |
| Total risk-based capital ratio | 17.5856% | 2,365 |
| Memoranda: | ||
| Average total assets | $1,080,048,000 | 697 |
| Average earning assets | $1,030,726,000 | 669 |
| Average equity | $163,753,500 | 511 |
| Average total loans | $973,066,500 | 560 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6628% | 24 |
| Cost of funding earning assets | 1.0960% | 102 |
| Net interest margin | 8.5667% | 24 |
| Noninterest income to average assets | 0.3126% | 4,500 |
| Noninterest expense to average assets | 2.1934% | 4,788 |
| Loan and lease loss provision to assets | 6.2743% | 4 |
| Net operating income to assets | 0.1772% | 5,454 |
| Return on assets (ROA) | 0.1772% | 5,500 |
| Pretax return on assets | 0.1478% | 5,545 |
| Return on Equity (ROE) | 1.1759% | 5,538 |
| Retained earnings to average equity (ytd only) | -1.9713% | 5,531 |
| Net charge-offs to loans | 3.7810% | 28 |
| Credit loss provision to net charge-offs | 179.3689% | 1,559 |
| Earnings coverage of net charge-offs (x) | 1.8359% | 3,930 |
| Efficiency ratio | 24.6451% | 5,886 |
| Assets per employee ($millions) | 17.0820% | 61 |
| Cash dividends to net income (ytd only)* | 267.6351% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3749% | 35 |
| Loan loss allowance to noncurrent loans | 105.2855% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 4.8382% | 130 |
| Noncurrent loans to loans | 5.1051% | 155 |
| Net loans and leases to total assets | 89.6779% | 76 |
| Net loans and leases to deposits | 106.1826% | 338 |
| Net loans and leases to core deposits | 965,082.0000% | 1 |
| Total domestic deposits to total assets | 84.4563% | 3,250 |
| Equity capital to assets | 15.0428% | 636 |
| Core capital (leverage) ratio | 14.4667% | 700 |
| Tier 1 risk-based capital ratio | 14.6622% | 3,118 |
| Total risk-based capital ratio | 15.9671% | 3,041 |
| Memoranda: | ||
| Average total assets | $1,107,154,400 | 651 |
| Average earning assets | $1,073,047,200 | 615 |
| Average equity | $166,846,000 | 485 |
| Average total loans | $1,024,278,400 | 502 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4775% | 23 |
| Cost of funding earning assets | 1.0719% | 107 |
| Net interest margin | 8.4057% | 23 |
| Noninterest income to average assets | 0.4116% | 3,832 |
| Noninterest expense to average assets | 2.0796% | 5,041 |
| Loan and lease loss provision to assets | 3.9014% | 11 |
| Net operating income to assets | 1.6545% | 652 |
| Return on assets (ROA) | 1.6545% | 689 |
| Pretax return on assets | 2.6055% | 188 |
| Return on Equity (ROE) | 10.8812% | 1,713 |
| Retained earnings to average equity (ytd only) | 7.2225% | 1,516 |
| Net charge-offs to loans | 1.1245% | 145 |
| Credit loss provision to net charge-offs | 377.8099% | 881 |
| Earnings coverage of net charge-offs (x) | 6.3012% | 3,012 |
| Efficiency ratio | 24.2195% | 5,954 |
| Assets per employee ($millions) | 17.7200% | 58 |
| Cash dividends to net income (ytd only)* | 33.6244% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6888% | 48 |
| Loan loss allowance to noncurrent loans | 94.4366% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 4.5631% | 165 |
| Noncurrent loans to loans | 4.9650% | 170 |
| Net loans and leases to total assets | 87.5951% | 163 |
| Net loans and leases to deposits | 104.9164% | 414 |
| Net loans and leases to core deposits | 977,874.0000% | 1 |
| Total domestic deposits to total assets | 83.4904% | 3,400 |
| Equity capital to assets | 15.7073% | 593 |
| Core capital (leverage) ratio | 15.5707% | 546 |
| Tier 1 risk-based capital ratio | 16.0297% | 2,612 |
| Total risk-based capital ratio | 17.3209% | 2,544 |
| Memoranda: | ||
| Average total assets | $1,116,596,250 | 644 |
| Average earning assets | $1,085,939,000 | 612 |
| Average equity | $169,780,750 | 480 |
| Average total loans | $1,025,372,750 | 500 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3655% | 25 |
| Cost of funding earning assets | 1.0482% | 122 |
| Net interest margin | 8.3172% | 26 |
| Noninterest income to average assets | 0.6018% | 2,610 |
| Noninterest expense to average assets | 2.0507% | 5,170 |
| Loan and lease loss provision to assets | 2.3887% | 32 |
| Net operating income to assets | 2.5669% | 139 |
| Return on assets (ROA) | 2.5669% | 139 |
| Pretax return on assets | 4.2669% | 61 |
| Return on Equity (ROE) | 17.0696% | 433 |
| Retained earnings to average equity (ytd only) | 12.2257% | 296 |
| Net charge-offs to loans | 1.1229% | 154 |
| Credit loss provision to net charge-offs | 231.7060% | 1,170 |
| Earnings coverage of net charge-offs (x) | 6.4560% | 2,737 |
| Efficiency ratio | 23.5543% | 6,032 |
| Assets per employee ($millions) | 18.4163% | 54 |
| Cash dividends to net income (ytd only)* | 28.3771% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1331% | 168 |
| Loan loss allowance to noncurrent loans | 79.1075% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 3.4497% | 315 |
| Noncurrent loans to loans | 3.9606% | 296 |
| Net loans and leases to total assets | 84.3709% | 392 |
| Net loans and leases to deposits | 100.5463% | 652 |
| Net loans and leases to core deposits | 978,892.0000% | 1 |
| Total domestic deposits to total assets | 83.9125% | 3,300 |
| Equity capital to assets | 15.1910% | 694 |
| Core capital (leverage) ratio | 15.5691% | 517 |
| Tier 1 risk-based capital ratio | 16.0695% | 2,608 |
| Total risk-based capital ratio | 17.3399% | 2,544 |
| Memoranda: | ||
| Average total assets | $1,116,676,000 | 643 |
| Average earning assets | $1,088,124,670 | 610 |
| Average equity | $167,924,670 | 487 |
| Average total loans | $1,025,170,330 | 494 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1940% | 29 |
| Cost of funding earning assets | 1.0296% | 139 |
| Net interest margin | 8.1644% | 31 |
| Noninterest income to average assets | 0.0062% | 6,055 |
| Noninterest expense to average assets | 2.0075% | 5,319 |
| Loan and lease loss provision to assets | 2.5120% | 30 |
| Net operating income to assets | 2.0919% | 286 |
| Return on assets (ROA) | 2.0919% | 299 |
| Pretax return on assets | 3.4447% | 99 |
| Return on Equity (ROE) | 13.9862% | 833 |
| Retained earnings to average equity (ytd only) | 5.4982% | 2,653 |
| Net charge-offs to loans | 1.1285% | 160 |
| Credit loss provision to net charge-offs | 236.0453% | 979 |
| Earnings coverage of net charge-offs (x) | 5.5973% | 2,320 |
| Efficiency ratio | 25.2064% | 6,089 |
| Assets per employee ($millions) | 18.7692% | 53 |
| Cash dividends to net income (ytd only)* | 60.6881% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6865% | 320 |
| Loan loss allowance to noncurrent loans | 77.8524% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 3.2529% | 370 |
| Noncurrent loans to loans | 3.4507% | 398 |
| Net loans and leases to total assets | 91.7348% | 37 |
| Net loans and leases to deposits | 110.4748% | 215 |
| Net loans and leases to core deposits | 1,015,857.0000% | 1 |
| Total domestic deposits to total assets | 83.0368% | 3,879 |
| Equity capital to assets | 14.9094% | 713 |
| Core capital (leverage) ratio | 15.1366% | 581 |
| Tier 1 risk-based capital ratio | 14.8789% | 3,210 |
| Total risk-based capital ratio | 16.1449% | 3,144 |
| Memoranda: | ||
| Average total assets | $1,094,902,000 | 657 |
| Average earning assets | $1,067,223,500 | 624 |
| Average equity | $163,762,000 | 493 |
| Average total loans | $1,032,478,500 | 490 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1879% | 27 |
| Cost of funding earning assets | 0.9269% | 251 |
| Net interest margin | 8.2609% | 28 |
| Noninterest income to average assets | 0.0078% | 6,092 |
| Noninterest expense to average assets | 2.2361% | 4,959 |
| Loan and lease loss provision to assets | 1.6400% | 42 |
| Net operating income to assets | 2.3245% | 196 |
| Return on assets (ROA) | 2.3264% | 203 |
| Pretax return on assets | 4.1896% | 70 |
| Return on Equity (ROE) | 15.3047% | 643 |
| Retained earnings to average equity (ytd only) | 3.5066% | 3,567 |
| Net charge-offs to loans | 1.0890% | 176 |
| Credit loss provision to net charge-offs | 160.3245% | 1,678 |
| Earnings coverage of net charge-offs (x) | 5.6961% | 3,342 |
| Efficiency ratio | 27.7342% | 6,146 |
| Assets per employee ($millions) | 18.9898% | 52 |
| Cash dividends to net income (ytd only)* | 77.0883% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 479 |
| Loan loss allowance to noncurrent loans | 95.9288% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 696 |
| Noncurrent loans to loans | 2.4585% | 759 |
| Net loans and leases to total assets | 92.1062% | 24 |
| Net loans and leases to deposits | 109.6482% | 251 |
| Net loans and leases to core deposits | 996,975.0000% | 1 |
| Total domestic deposits to total assets | 84.0016% | 3,479 |
| Equity capital to assets | 15.0052% | 666 |
| Core capital (leverage) ratio | 15.1064% | 596 |
| Tier 1 risk-based capital ratio | 15.0346% | 3,167 |
| Total risk-based capital ratio | 16.2968% | 3,090 |
| Memoranda: | ||
| Average total assets | $1,018,367,000 | 677 |
| Average earning assets | $992,973,400 | 641 |
| Average equity | $154,796,000 | 493 |
| Average total loans | $956,594,800 | 503 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0654% | 28 |
| Cost of funding earning assets | 0.8968% | 299 |
| Net interest margin | 8.1686% | 29 |
| Noninterest income to average assets | 0.0080% | 6,177 |
| Noninterest expense to average assets | 2.2952% | 4,790 |
| Loan and lease loss provision to assets | 1.4414% | 37 |
| Net operating income to assets | 2.3265% | 209 |
| Return on assets (ROA) | 2.3265% | 216 |
| Pretax return on assets | 4.2362% | 69 |
| Return on Equity (ROE) | 15.2524% | 694 |
| Retained earnings to average equity (ytd only) | 1.9996% | 4,880 |
| Net charge-offs to loans | 1.0094% | 186 |
| Credit loss provision to net charge-offs | 152.1910% | 1,654 |
| Earnings coverage of net charge-offs (x) | 5.9948% | 3,122 |
| Efficiency ratio | 28.7881% | 6,227 |
| Assets per employee ($millions) | 19.8983% | 48 |
| Cash dividends to net income (ytd only)* | 86.8896% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1396% | 723 |
| Loan loss allowance to noncurrent loans | 143.4583% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 1,649 |
| Noncurrent loans to loans | 1.4914% | 1,684 |
| Net loans and leases to total assets | 91.5745% | 33 |
| Net loans and leases to deposits | 109.0301% | 274 |
| Net loans and leases to core deposits | 983,974.0000% | 1 |
| Total domestic deposits to total assets | 83.9901% | 3,432 |
| Equity capital to assets | 14.7912% | 786 |
| Core capital (leverage) ratio | 15.2304% | 599 |
| Tier 1 risk-based capital ratio | 14.9515% | 3,316 |
| Total risk-based capital ratio | 16.2113% | 3,256 |
| Memoranda: | ||
| Average total assets | $1,002,354,000 | 693 |
| Average earning assets | $977,346,000 | 657 |
| Average equity | $152,890,250 | 501 |
| Average total loans | $940,479,500 | 513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9316% | 29 |
| Cost of funding earning assets | 0.8729% | 328 |
| Net interest margin | 8.0587% | 31 |
| Noninterest income to average assets | 0.0088% | 6,249 |
| Noninterest expense to average assets | 2.3416% | 4,737 |
| Loan and lease loss provision to assets | 1.2943% | 47 |
| Net operating income to assets | 2.2508% | 233 |
| Return on assets (ROA) | 2.2508% | 248 |
| Pretax return on assets | 4.2267% | 77 |
| Return on Equity (ROE) | 14.5947% | 804 |
| Retained earnings to average equity (ytd only) | 1.1639% | 5,101 |
| Net charge-offs to loans | 0.8448% | 244 |
| Credit loss provision to net charge-offs | 163.1281% | 1,451 |
| Earnings coverage of net charge-offs (x) | 6.9585% | 2,719 |
| Efficiency ratio | 29.7816% | 6,300 |
| Assets per employee ($millions) | 17.6251% | 60 |
| Cash dividends to net income (ytd only)* | 92.0254% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 817 |
| Loan loss allowance to noncurrent loans | 224.0952% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 2,737 |
| Noncurrent loans to loans | 0.9494% | 2,751 |
| Net loans and leases to total assets | 92.7098% | 18 |
| Net loans and leases to deposits | 111.0601% | 238 |
| Net loans and leases to core deposits | 931,389.0000% | 1 |
| Total domestic deposits to total assets | 83.4772% | 3,768 |
| Equity capital to assets | 15.1342% | 680 |
| Core capital (leverage) ratio | 15.5740% | 531 |
| Tier 1 risk-based capital ratio | 15.2803% | 3,209 |
| Total risk-based capital ratio | 16.5401% | 3,143 |
| Memoranda: | ||
| Average total assets | $978,303,000 | 715 |
| Average earning assets | $953,426,000 | 676 |
| Average equity | $150,876,330 | 506 |
| Average total loans | $918,810,330 | 519 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8219% | 32 |
| Cost of funding earning assets | 0.8621% | 356 |
| Net interest margin | 7.9598% | 33 |
| Noninterest income to average assets | 0.0083% | 6,319 |
| Noninterest expense to average assets | 2.0930% | 5,400 |
| Loan and lease loss provision to assets | 1.0108% | 78 |
| Net operating income to assets | 2.7921% | 98 |
| Return on assets (ROA) | 2.7921% | 106 |
| Pretax return on assets | 4.6576% | 66 |
| Return on Equity (ROE) | 17.9302% | 389 |
| Retained earnings to average equity (ytd only) | 4.4473% | 3,350 |
| Net charge-offs to loans | 0.9317% | 257 |
| Credit loss provision to net charge-offs | 116.0324% | 1,475 |
| Earnings coverage of net charge-offs (x) | 6.5067% | 2,278 |
| Efficiency ratio | 26.9664% | 6,382 |
| Assets per employee ($millions) | 17.5649% | 60 |
| Cash dividends to net income (ytd only)* | 75.1967% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 1,075 |
| Loan loss allowance to noncurrent loans | 376.0680% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 4,027 |
| Noncurrent loans to loans | 0.5323% | 3,981 |
| Net loans and leases to total assets | 91.9015% | 27 |
| Net loans and leases to deposits | 111.3105% | 194 |
| Net loans and leases to core deposits | 293,983.4437% | 1 |
| Total domestic deposits to total assets | 82.5632% | 4,318 |
| Equity capital to assets | 15.6452% | 599 |
| Core capital (leverage) ratio | 15.7204% | 503 |
| Tier 1 risk-based capital ratio | 15.8846% | 2,976 |
| Total risk-based capital ratio | 17.1428% | 2,916 |
| Memoranda: | ||
| Average total assets | $965,140,500 | 722 |
| Average earning assets | $940,068,000 | 681 |
| Average equity | $150,293,500 | 510 |
| Average total loans | $902,397,500 | 526 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8400% | 35 |
| Cost of funding earning assets | 0.7990% | 655 |
| Net interest margin | 8.0410% | 34 |
| Noninterest income to average assets | 0.0124% | 6,371 |
| Noninterest expense to average assets | 2.1971% | 5,363 |
| Loan and lease loss provision to assets | 0.8931% | 133 |
| Net operating income to assets | 2.9114% | 101 |
| Return on assets (ROA) | 2.9114% | 100 |
| Pretax return on assets | 4.7416% | 58 |
| Return on Equity (ROE) | 18.7834% | 333 |
| Retained earnings to average equity (ytd only) | 7.8664% | 1,066 |
| Net charge-offs to loans | 0.7922% | 442 |
| Credit loss provision to net charge-offs | 120.3646% | 1,994 |
| Earnings coverage of net charge-offs (x) | 7.5938% | 3,012 |
| Efficiency ratio | 28.0537% | 6,470 |
| Assets per employee ($millions) | 19.2843% | 51 |
| Cash dividends to net income (ytd only)* | 58.1204% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 1,146 |
| Loan loss allowance to noncurrent loans | 457.8595% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 4,481 |
| Noncurrent loans to loans | 0.4325% | 4,350 |
| Net loans and leases to total assets | 91.3733% | 39 |
| Net loans and leases to deposits | 109.0270% | 267 |
| Net loans and leases to core deposits | 286,050.0000% | 1 |
| Total domestic deposits to total assets | 83.8080% | 3,802 |
| Equity capital to assets | 15.4990% | 607 |
| Core capital (leverage) ratio | 15.4510% | 542 |
| Tier 1 risk-based capital ratio | 15.9562% | 2,982 |
| Total risk-based capital ratio | 17.2143% | 2,927 |
| Memoranda: | ||
| Average total assets | $901,999,800 | 735 |
| Average earning assets | $877,138,400 | 699 |
| Average equity | $139,809,800 | 522 |
| Average total loans | $844,864,400 | 529 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7494% | 34 |
| Cost of funding earning assets | 0.7703% | 795 |
| Net interest margin | 7.9791% | 34 |
| Noninterest income to average assets | 0.0141% | 6,453 |
| Noninterest expense to average assets | 2.1736% | 5,402 |
| Loan and lease loss provision to assets | 0.9473% | 122 |
| Net operating income to assets | 2.8470% | 103 |
| Return on assets (ROA) | 2.8470% | 104 |
| Pretax return on assets | 4.6490% | 66 |
| Return on Equity (ROE) | 18.3672% | 410 |
| Retained earnings to average equity (ytd only) | 8.4723% | 1,161 |
| Net charge-offs to loans | 0.7446% | 457 |
| Credit loss provision to net charge-offs | 135.6451% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.0136% | 2,867 |
| Efficiency ratio | 27.9744% | 6,549 |
| Assets per employee ($millions) | 19.1503% | 52 |
| Cash dividends to net income (ytd only)* | 53.8726% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0069% | 1,247 |
| Loan loss allowance to noncurrent loans | 467.1746% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 4,711 |
| Noncurrent loans to loans | 0.4296% | 4,617 |
| Net loans and leases to total assets | 92.2435% | 24 |
| Net loans and leases to deposits | 109.6066% | 230 |
| Net loans and leases to core deposits | 761,419.8276% | 1 |
| Total domestic deposits to total assets | 84.1587% | 3,698 |
| Equity capital to assets | 15.3422% | 664 |
| Core capital (leverage) ratio | 15.6792% | 518 |
| Tier 1 risk-based capital ratio | 15.6956% | 3,215 |
| Total risk-based capital ratio | 16.9541% | 3,150 |
| Memoranda: | ||
| Average total assets | $886,446,250 | 756 |
| Average earning assets | $861,631,750 | 716 |
| Average equity | $137,401,250 | 526 |
| Average total loans | $831,372,750 | 530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5447% | 34 |
| Cost of funding earning assets | 0.7337% | 1,000 |
| Net interest margin | 7.8109% | 36 |
| Noninterest income to average assets | 0.0167% | 6,517 |
| Noninterest expense to average assets | 2.1881% | 5,447 |
| Loan and lease loss provision to assets | 0.9398% | 117 |
| Net operating income to assets | 2.8221% | 102 |
| Return on assets (ROA) | 2.8221% | 104 |
| Pretax return on assets | 4.4775% | 68 |
| Return on Equity (ROE) | 18.1385% | 446 |
| Retained earnings to average equity (ytd only) | 9.0037% | 985 |
| Net charge-offs to loans | 0.5871% | 687 |
| Credit loss provision to net charge-offs | 170.9106% | 1,331 |
| Earnings coverage of net charge-offs (x) | 9.8520% | 2,308 |
| Efficiency ratio | 28.7704% | 6,612 |
| Assets per employee ($millions) | 17.1402% | 60 |
| Cash dividends to net income (ytd only)* | 50.3614% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 1,193 |
| Loan loss allowance to noncurrent loans | 418.1902% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 4,595 |
| Noncurrent loans to loans | 0.5002% | 4,493 |
| Net loans and leases to total assets | 91.6198% | 29 |
| Net loans and leases to deposits | 109.2998% | 222 |
| Net loans and leases to core deposits | 628,152.5926% | 1 |
| Total domestic deposits to total assets | 83.8243% | 3,983 |
| Equity capital to assets | 15.5819% | 605 |
| Core capital (leverage) ratio | 16.5183% | 412 |
| Tier 1 risk-based capital ratio | 16.0104% | 3,077 |
| Total risk-based capital ratio | 17.2699% | 3,010 |
| Memoranda: | ||
| Average total assets | $862,756,000 | 779 |
| Average earning assets | $838,208,670 | 731 |
| Average equity | $134,233,670 | 538 |
| Average total loans | $808,051,670 | 542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4993% | 32 |
| Cost of funding earning assets | 0.7162% | 1,144 |
| Net interest margin | 7.7831% | 35 |
| Noninterest income to average assets | 0.0140% | 6,582 |
| Noninterest expense to average assets | 2.2296% | 5,385 |
| Loan and lease loss provision to assets | 0.9758% | 113 |
| Net operating income to assets | 2.7536% | 118 |
| Return on assets (ROA) | 2.7536% | 124 |
| Pretax return on assets | 4.3688% | 76 |
| Return on Equity (ROE) | 17.7129% | 462 |
| Retained earnings to average equity (ytd only) | 8.2266% | 1,520 |
| Net charge-offs to loans | 0.7681% | 452 |
| Credit loss provision to net charge-offs | 135.5615% | 1,344 |
| Earnings coverage of net charge-offs (x) | 7.4251% | 2,121 |
| Efficiency ratio | 29.4372% | 6,678 |
| Assets per employee ($millions) | 16.6278% | 62 |
| Cash dividends to net income (ytd only)* | 53.5558% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,248 |
| Loan loss allowance to noncurrent loans | 362.8315% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 4,468 |
| Noncurrent loans to loans | 0.5902% | 4,392 |
| Net loans and leases to total assets | 91.4270% | 27 |
| Net loans and leases to deposits | 111.1570% | 132 |
| Net loans and leases to core deposits | 538,414.5833% | 1 |
| Total domestic deposits to total assets | 82.2503% | 4,872 |
| Equity capital to assets | 15.4116% | 613 |
| Core capital (leverage) ratio | 15.9721% | 484 |
| Tier 1 risk-based capital ratio | 15.8652% | 3,236 |
| Total risk-based capital ratio | 17.1253% | 3,190 |
| Memoranda: | ||
| Average total assets | $831,348,500 | 819 |
| Average earning assets | $807,547,000 | 770 |
| Average equity | $129,239,500 | 564 |
| Average total loans | $779,016,500 | 560 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5075% | 38 |
| Cost of funding earning assets | 0.6996% | 1,817 |
| Net interest margin | 7.8080% | 38 |
| Noninterest income to average assets | 0.0744% | 6,469 |
| Noninterest expense to average assets | 2.5966% | 4,477 |
| Loan and lease loss provision to assets | 1.3384% | 118 |
| Net operating income to assets | 2.3975% | 193 |
| Return on assets (ROA) | 2.3983% | 195 |
| Pretax return on assets | 3.7923% | 77 |
| Return on Equity (ROE) | 15.2002% | 728 |
| Retained earnings to average equity (ytd only) | 5.0912% | 2,532 |
| Net charge-offs to loans | 1.1669% | 461 |
| Credit loss provision to net charge-offs | 121.2014% | 1,963 |
| Earnings coverage of net charge-offs (x) | 4.6452% | 3,502 |
| Efficiency ratio | 33.0881% | 6,749 |
| Assets per employee ($millions) | 17.7104% | 56 |
| Cash dividends to net income (ytd only)* | 66.5058% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1461% | 1,256 |
| Loan loss allowance to noncurrent loans | 360.6320% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 4,528 |
| Noncurrent loans to loans | 0.5951% | 4,498 |
| Net loans and leases to total assets | 91.9768% | 17 |
| Net loans and leases to deposits | 109.8251% | 177 |
| Net loans and leases to core deposits | 474,250.6329% | 1 |
| Total domestic deposits to total assets | 83.7484% | 4,264 |
| Equity capital to assets | 15.6854% | 572 |
| Core capital (leverage) ratio | 15.8095% | 491 |
| Tier 1 risk-based capital ratio | 16.0974% | 3,058 |
| Total risk-based capital ratio | 17.3575% | 3,004 |
| Memoranda: | ||
| Average total assets | $768,851,000 | 871 |
| Average earning assets | $753,461,400 | 801 |
| Average equity | $121,308,000 | 586 |
| Average total loans | $727,547,600 | 579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4029% | 42 |
| Cost of funding earning assets | 0.6996% | 1,952 |
| Net interest margin | 7.7033% | 38 |
| Noninterest income to average assets | 0.0734% | 6,565 |
| Noninterest expense to average assets | 2.4105% | 5,000 |
| Loan and lease loss provision to assets | 1.3479% | 97 |
| Net operating income to assets | 2.4352% | 184 |
| Return on assets (ROA) | 2.4362% | 194 |
| Pretax return on assets | 3.8841% | 82 |
| Return on Equity (ROE) | 15.4163% | 725 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,578 |
| Net charge-offs to loans | 0.8563% | 684 |
| Credit loss provision to net charge-offs | 166.0594% | 1,441 |
| Earnings coverage of net charge-offs (x) | 6.4437% | 2,973 |
| Efficiency ratio | 31.0725% | 6,828 |
| Assets per employee ($millions) | 17.4933% | 64 |
| Cash dividends to net income (ytd only)* | 62.8513% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3147% | 1,163 |
| Loan loss allowance to noncurrent loans | 116.9467% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8884% | 2,151 |
| Noncurrent loans to loans | 1.9793% | 2,276 |
| Net loans and leases to total assets | 92.7224% | 12 |
| Net loans and leases to deposits | 110.4805% | 144 |
| Net loans and leases to core deposits | 416,831.2849% | 1 |
| Total domestic deposits to total assets | 83.9265% | 4,218 |
| Equity capital to assets | 15.1534% | 690 |
| Core capital (leverage) ratio | 15.6391% | 549 |
| Tier 1 risk-based capital ratio | 15.5419% | 3,448 |
| Total risk-based capital ratio | 16.8044% | 3,403 |
| Memoranda: | ||
| Average total assets | $757,394,000 | 890 |
| Average earning assets | $744,043,500 | 818 |
| Average equity | $119,688,500 | 603 |
| Average total loans | $717,997,000 | 584 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2775% | 42 |
| Cost of funding earning assets | 0.7151% | 1,961 |
| Net interest margin | 7.5624% | 40 |
| Noninterest income to average assets | 0.1160% | 6,474 |
| Noninterest expense to average assets | 2.2931% | 5,390 |
| Loan and lease loss provision to assets | 1.4681% | 90 |
| Net operating income to assets | 2.3101% | 212 |
| Return on assets (ROA) | 2.3117% | 223 |
| Pretax return on assets | 3.7919% | 94 |
| Return on Equity (ROE) | 14.4142% | 926 |
| Retained earnings to average equity (ytd only) | 4.9437% | 3,090 |
| Net charge-offs to loans | 0.7938% | 789 |
| Credit loss provision to net charge-offs | 195.1954% | 1,214 |
| Earnings coverage of net charge-offs (x) | 6.9903% | 2,614 |
| Efficiency ratio | 29.8154% | 6,881 |
| Assets per employee ($millions) | 16.7245% | 65 |
| Cash dividends to net income (ytd only)* | 65.7023% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3702% | 1,134 |
| Loan loss allowance to noncurrent loans | 114.9295% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9690% | 2,192 |
| Noncurrent loans to loans | 2.0623% | 2,321 |
| Net loans and leases to total assets | 92.5720% | 14 |
| Net loans and leases to deposits | 112.6134% | 109 |
| Net loans and leases to core deposits | 352,565.3465% | 1 |
| Total domestic deposits to total assets | 82.2033% | 4,980 |
| Equity capital to assets | 15.5935% | 607 |
| Core capital (leverage) ratio | 16.0642% | 454 |
| Tier 1 risk-based capital ratio | 15.9840% | 3,204 |
| Total risk-based capital ratio | 17.2472% | 3,136 |
| Memoranda: | ||
| Average total assets | $741,628,670 | 906 |
| Average earning assets | $729,108,670 | 838 |
| Average equity | $118,938,670 | 607 |
| Average total loans | $702,726,670 | 593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2364% | 39 |
| Cost of funding earning assets | 0.7409% | 1,915 |
| Net interest margin | 7.4955% | 39 |
| Noninterest income to average assets | 0.1237% | 6,483 |
| Noninterest expense to average assets | 2.3315% | 5,334 |
| Loan and lease loss provision to assets | 0.8788% | 230 |
| Net operating income to assets | 2.5870% | 143 |
| Return on assets (ROA) | 2.5870% | 153 |
| Pretax return on assets | 4.2859% | 75 |
| Return on Equity (ROE) | 15.8986% | 625 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,930 |
| Net charge-offs to loans | 1.1849% | 492 |
| Credit loss provision to net charge-offs | 78.3056% | 2,177 |
| Earnings coverage of net charge-offs (x) | 4.6019% | 2,516 |
| Efficiency ratio | 30.5374% | 6,955 |
| Assets per employee ($millions) | 16.6307% | 72 |
| Cash dividends to net income (ytd only)* | 65.1370% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0283% | 1,970 |
| Loan loss allowance to noncurrent loans | 757.3106% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 5,752 |
| Noncurrent loans to loans | 0.2678% | 5,741 |
| Net loans and leases to total assets | 93.6791% | 10 |
| Net loans and leases to deposits | 113.6095% | 98 |
| Net loans and leases to core deposits | 304,666.2222% | 1 |
| Total domestic deposits to total assets | 82.4572% | 5,039 |
| Equity capital to assets | 16.2921% | 519 |
| Core capital (leverage) ratio | 16.3848% | 415 |
| Tier 1 risk-based capital ratio | 16.5326% | 2,985 |
| Total risk-based capital ratio | 17.7918% | 2,938 |
| Memoranda: | ||
| Average total assets | $727,779,000 | 928 |
| Average earning assets | $715,846,000 | 857 |
| Average equity | $118,425,500 | 618 |
| Average total loans | $689,354,000 | 610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6648% | 40 |
| Cost of funding earning assets | 0.7751% | 2,870 |
| Net interest margin | 7.8897% | 39 |
| Noninterest income to average assets | 0.0953% | 6,527 |
| Noninterest expense to average assets | 2.3949% | 5,418 |
| Loan and lease loss provision to assets | 0.7280% | 696 |
| Net operating income to assets | 2.9045% | 104 |
| Return on assets (ROA) | 2.9045% | 107 |
| Pretax return on assets | 4.7092% | 58 |
| Return on Equity (ROE) | 17.1699% | 517 |
| Retained earnings to average equity (ytd only) | 7.6784% | 1,249 |
| Net charge-offs to loans | 0.7653% | 1,530 |
| Credit loss provision to net charge-offs | 101.6243% | 2,980 |
| Earnings coverage of net charge-offs (x) | 7.5900% | 2,567 |
| Efficiency ratio | 29.9899% | 7,023 |
| Assets per employee ($millions) | 17.6538% | 68 |
| Cash dividends to net income (ytd only)* | 55.2799% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 1,640 |
| Loan loss allowance to noncurrent loans | 594.7176% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 5,612 |
| Noncurrent loans to loans | 0.3624% | 5,583 |
| Net loans and leases to total assets | 91.7899% | 22 |
| Net loans and leases to deposits | 111.4264% | 139 |
| Net loans and leases to core deposits | 261,567.3228% | 1 |
| Total domestic deposits to total assets | 82.3772% | 4,975 |
| Equity capital to assets | 16.2520% | 510 |
| Core capital (leverage) ratio | 16.3254% | 412 |
| Tier 1 risk-based capital ratio | 16.6870% | 2,798 |
| Total risk-based capital ratio | 17.9476% | 2,767 |
| Memoranda: | ||
| Average total assets | $670,328,600 | 980 |
| Average earning assets | $657,334,800 | 915 |
| Average equity | $113,396,400 | 633 |
| Average total loans | $627,462,400 | 661 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6591% | 39 |
| Cost of funding earning assets | 0.7747% | 3,152 |
| Net interest margin | 7.8845% | 36 |
| Noninterest income to average assets | 0.0940% | 6,641 |
| Noninterest expense to average assets | 2.3715% | 5,480 |
| Loan and lease loss provision to assets | 0.8165% | 574 |
| Net operating income to assets | 2.8545% | 119 |
| Return on assets (ROA) | 2.8545% | 123 |
| Pretax return on assets | 4.6336% | 64 |
| Return on Equity (ROE) | 16.6934% | 643 |
| Retained earnings to average equity (ytd only) | 8.7449% | 1,332 |
| Net charge-offs to loans | 0.7519% | 1,475 |
| Credit loss provision to net charge-offs | 116.0704% | 2,506 |
| Earnings coverage of net charge-offs (x) | 7.7478% | 2,559 |
| Efficiency ratio | 29.7179% | 7,122 |
| Assets per employee ($millions) | 17.5214% | 67 |
| Cash dividends to net income (ytd only)* | 47.6147% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 1,582 |
| Loan loss allowance to noncurrent loans | 779.6802% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,960 |
| Noncurrent loans to loans | 0.2910% | 5,908 |
| Net loans and leases to total assets | 92.9168% | 22 |
| Net loans and leases to deposits | 112.4503% | 129 |
| Net loans and leases to core deposits | 253,390.2724% | 1 |
| Total domestic deposits to total assets | 82.6292% | 4,781 |
| Equity capital to assets | 16.6107% | 515 |
| Core capital (leverage) ratio | 16.8175% | 389 |
| Tier 1 risk-based capital ratio | 16.8763% | 2,791 |
| Total risk-based capital ratio | 18.1384% | 2,751 |
| Memoranda: | ||
| Average total assets | $656,959,250 | 1,010 |
| Average earning assets | $643,881,500 | 939 |
| Average equity | $112,337,250 | 637 |
| Average total loans | $614,573,750 | 673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5436% | 41 |
| Cost of funding earning assets | 0.7676% | 3,457 |
| Net interest margin | 7.7760% | 40 |
| Noninterest income to average assets | 0.1034% | 6,661 |
| Noninterest expense to average assets | 2.3944% | 5,479 |
| Loan and lease loss provision to assets | 0.8612% | 560 |
| Net operating income to assets | 2.7522% | 129 |
| Return on assets (ROA) | 2.7522% | 137 |
| Pretax return on assets | 4.4622% | 70 |
| Return on Equity (ROE) | 15.9294% | 778 |
| Retained earnings to average equity (ytd only) | 7.5835% | 1,827 |
| Net charge-offs to loans | 0.8585% | 1,287 |
| Credit loss provision to net charge-offs | 107.8783% | 2,525 |
| Earnings coverage of net charge-offs (x) | 6.6681% | 2,595 |
| Efficiency ratio | 30.3990% | 7,177 |
| Assets per employee ($millions) | 16.7239% | 66 |
| Cash dividends to net income (ytd only)* | 52.3928% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3509% | 1,501 |
| Loan loss allowance to noncurrent loans | 862.9456% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 6,088 |
| Noncurrent loans to loans | 0.2724% | 6,034 |
| Net loans and leases to total assets | 91.6776% | 27 |
| Net loans and leases to deposits | 113.6587% | 106 |
| Net loans and leases to core deposits | 294,846.6346% | 1 |
| Total domestic deposits to total assets | 80.6604% | 5,569 |
| Equity capital to assets | 16.9178% | 453 |
| Core capital (leverage) ratio | 17.5016% | 326 |
| Tier 1 risk-based capital ratio | 17.2870% | 2,552 |
| Total risk-based capital ratio | 18.5499% | 2,511 |
| Memoranda: | ||
| Average total assets | $642,327,000 | 1,034 |
| Average earning assets | $628,987,330 | 962 |
| Average equity | $110,977,330 | 641 |
| Average total loans | $597,321,330 | 689 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4715% | 44 |
| Cost of funding earning assets | 0.7726% | 3,683 |
| Net interest margin | 7.6989% | 42 |
| Noninterest income to average assets | 0.1196% | 6,653 |
| Noninterest expense to average assets | 2.3751% | 5,554 |
| Loan and lease loss provision to assets | 1.0397% | 392 |
| Net operating income to assets | 2.6015% | 155 |
| Return on assets (ROA) | 2.6015% | 187 |
| Pretax return on assets | 4.2517% | 75 |
| Return on Equity (ROE) | 14.8926% | 989 |
| Retained earnings to average equity (ytd only) | 7.3753% | 2,243 |
| Net charge-offs to loans | 1.1788% | 870 |
| Credit loss provision to net charge-offs | 95.3353% | 2,454 |
| Earnings coverage of net charge-offs (x) | 4.8519% | 2,490 |
| Efficiency ratio | 30.3417% | 7,236 |
| Assets per employee ($millions) | 17.9599% | 65 |
| Cash dividends to net income (ytd only)* | 50.4767% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4660% | 1,403 |
| Loan loss allowance to noncurrent loans | 607.6762% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 5,818 |
| Noncurrent loans to loans | 0.4058% | 5,860 |
| Net loans and leases to total assets | 91.1538% | 27 |
| Net loans and leases to deposits | 112.3838% | 109 |
| Net loans and leases to core deposits | 469,664.7541% | 1 |
| Total domestic deposits to total assets | 81.1094% | 5,573 |
| Equity capital to assets | 17.6440% | 367 |
| Core capital (leverage) ratio | 17.5989% | 318 |
| Tier 1 risk-based capital ratio | 18.1549% | 2,236 |
| Total risk-based capital ratio | 19.4191% | 2,208 |
| Memoranda: | ||
| Average total assets | $629,013,500 | 1,052 |
| Average earning assets | $616,607,500 | 971 |
| Average equity | $109,880,000 | 642 |
| Average total loans | $581,959,000 | 710 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8230% | 39 |
| Cost of funding earning assets | 1.0318% | 3,151 |
| Net interest margin | 7.7912% | 35 |
| Noninterest income to average assets | 0.0969% | 6,652 |
| Noninterest expense to average assets | 2.3462% | 5,921 |
| Loan and lease loss provision to assets | 1.2249% | 705 |
| Net operating income to assets | 2.5704% | 125 |
| Return on assets (ROA) | 2.5704% | 126 |
| Pretax return on assets | 4.1520% | 74 |
| Return on Equity (ROE) | 15.2050% | 711 |
| Retained earnings to average equity (ytd only) | 8.6617% | 890 |
| Net charge-offs to loans | 1.1517% | 1,473 |
| Credit loss provision to net charge-offs | 114.7252% | 2,847 |
| Earnings coverage of net charge-offs (x) | 5.0362% | 2,912 |
| Efficiency ratio | 29.7118% | 7,299 |
| Assets per employee ($millions) | 22.4796% | 55 |
| Cash dividends to net income (ytd only)* | 43.0341% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5285% | 1,277 |
| Loan loss allowance to noncurrent loans | 643.7721% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 5,934 |
| Noncurrent loans to loans | 0.3928% | 5,928 |
| Net loans and leases to total assets | 89.2658% | 52 |
| Net loans and leases to deposits | 109.2211% | 184 |
| Net loans and leases to core deposits | 561,865.0000% | 1 |
| Total domestic deposits to total assets | 81.7295% | 5,220 |
| Equity capital to assets | 17.2935% | 414 |
| Core capital (leverage) ratio | 17.7071% | 316 |
| Tier 1 risk-based capital ratio | 18.0597% | 2,173 |
| Total risk-based capital ratio | 19.3247% | 2,146 |
| Memoranda: | ||
| Average total assets | $599,824,600 | 1,095 |
| Average earning assets | $587,125,000 | 1,009 |
| Average equity | $101,401,000 | 677 |
| Average total loans | $556,056,200 | 758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9126% | 41 |
| Cost of funding earning assets | 1.1183% | 2,849 |
| Net interest margin | 7.7944% | 38 |
| Noninterest income to average assets | 0.1132% | 6,691 |
| Noninterest expense to average assets | 2.3872% | 5,798 |
| Loan and lease loss provision to assets | 1.2189% | 636 |
| Net operating income to assets | 2.5551% | 141 |
| Return on assets (ROA) | 2.5551% | 147 |
| Pretax return on assets | 4.1339% | 81 |
| Return on Equity (ROE) | 15.2071% | 808 |
| Retained earnings to average equity (ytd only) | 9.7554% | 917 |
| Net charge-offs to loans | 1.0425% | 1,534 |
| Credit loss provision to net charge-offs | 125.7196% | 2,552 |
| Earnings coverage of net charge-offs (x) | 5.5209% | 2,764 |
| Efficiency ratio | 30.1678% | 7,366 |
| Assets per employee ($millions) | 20.7583% | 65 |
| Cash dividends to net income (ytd only)* | 35.8496% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6162% | 1,248 |
| Loan loss allowance to noncurrent loans | 617.3367% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 5,951 |
| Noncurrent loans to loans | 0.4238% | 5,991 |
| Net loans and leases to total assets | 91.1540% | 29 |
| Net loans and leases to deposits | 113.2810% | 142 |
| Net loans and leases to core deposits | 548,740.0000% | 1 |
| Total domestic deposits to total assets | 80.4672% | 5,606 |
| Equity capital to assets | 17.8469% | 412 |
| Core capital (leverage) ratio | 17.7062% | 348 |
| Tier 1 risk-based capital ratio | 18.3114% | 2,145 |
| Total risk-based capital ratio | 19.5776% | 2,104 |
| Memoranda: | ||
| Average total assets | $592,423,500 | 1,118 |
| Average earning assets | $579,687,000 | 1,025 |
| Average equity | $99,538,750 | 695 |
| Average total loans | $550,960,250 | 772 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8409% | 45 |
| Cost of funding earning assets | 1.2334% | 2,361 |
| Net interest margin | 7.6075% | 39 |
| Noninterest income to average assets | 0.1222% | 6,718 |
| Noninterest expense to average assets | 2.4021% | 5,837 |
| Loan and lease loss provision to assets | 1.3268% | 557 |
| Net operating income to assets | 2.3648% | 201 |
| Return on assets (ROA) | 2.3648% | 210 |
| Pretax return on assets | 3.8314% | 101 |
| Return on Equity (ROE) | 14.3789% | 900 |
| Retained earnings to average equity (ytd only) | 8.1956% | 1,386 |
| Net charge-offs to loans | 1.0860% | 1,453 |
| Credit loss provision to net charge-offs | 131.6605% | 2,319 |
| Earnings coverage of net charge-offs (x) | 5.1186% | 2,688 |
| Efficiency ratio | 31.0766% | 7,432 |
| Assets per employee ($millions) | 19.3902% | 65 |
| Cash dividends to net income (ytd only)* | 43.0027% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6048% | 1,309 |
| Loan loss allowance to noncurrent loans | 687.2702% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 6,067 |
| Noncurrent loans to loans | 0.3790% | 6,143 |
| Net loans and leases to total assets | 90.6740% | 34 |
| Net loans and leases to deposits | 109.7696% | 181 |
| Net loans and leases to core deposits | 545,037.0000% | 1 |
| Total domestic deposits to total assets | 82.6039% | 4,946 |
| Equity capital to assets | 16.4906% | 542 |
| Core capital (leverage) ratio | 16.4223% | 463 |
| Tier 1 risk-based capital ratio | 16.9859% | 2,528 |
| Total risk-based capital ratio | 18.2518% | 2,494 |
| Memoranda: | ||
| Average total assets | $589,234,000 | 1,132 |
| Average earning assets | $576,119,330 | 1,042 |
| Average equity | $96,906,000 | 705 |
| Average total loans | $546,786,330 | 784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6949% | 46 |
| Cost of funding earning assets | 1.2683% | 2,370 |
| Net interest margin | 7.4266% | 46 |
| Noninterest income to average assets | 0.0850% | 6,984 |
| Noninterest expense to average assets | 2.3631% | 6,011 |
| Loan and lease loss provision to assets | 1.5690% | 395 |
| Net operating income to assets | 2.0915% | 304 |
| Return on assets (ROA) | 2.0915% | 317 |
| Pretax return on assets | 3.4047% | 130 |
| Return on Equity (ROE) | 12.7353% | 1,265 |
| Retained earnings to average equity (ytd only) | 7.3113% | 2,021 |
| Net charge-offs to loans | 1.4494% | 939 |
| Credit loss provision to net charge-offs | 116.8539% | 2,318 |
| Earnings coverage of net charge-offs (x) | 3.7043% | 2,663 |
| Efficiency ratio | 32.1152% | 7,483 |
| Assets per employee ($millions) | 19.2865% | 69 |
| Cash dividends to net income (ytd only)* | 42.5902% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5369% | 1,409 |
| Loan loss allowance to noncurrent loans | 541.9317% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 5,922 |
| Noncurrent loans to loans | 0.4681% | 6,081 |
| Net loans and leases to total assets | 89.7752% | 46 |
| Net loans and leases to deposits | 108.3109% | 206 |
| Net loans and leases to core deposits | 536,750.0000% | 1 |
| Total domestic deposits to total assets | 82.8866% | 4,969 |
| Equity capital to assets | 16.1718% | 547 |
| Core capital (leverage) ratio | 16.6574% | 424 |
| Tier 1 risk-based capital ratio | 16.8345% | 2,537 |
| Total risk-based capital ratio | 18.0994% | 2,498 |
| Memoranda: | ||
| Average total assets | $583,303,500 | 1,153 |
| Average earning assets | $569,573,500 | 1,072 |
| Average equity | $95,797,000 | 704 |
| Average total loans | $540,372,500 | 803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4674% | 40 |
| Cost of funding earning assets | 1.4819% | 2,749 |
| Net interest margin | 7.9855% | 37 |
| Noninterest income to average assets | 0.1223% | 6,794 |
| Noninterest expense to average assets | 2.0964% | 6,853 |
| Loan and lease loss provision to assets | 2.3481% | 502 |
| Net operating income to assets | 2.1734% | 208 |
| Return on assets (ROA) | 2.1734% | 218 |
| Pretax return on assets | 3.4730% | 88 |
| Return on Equity (ROE) | 12.2640% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.5561% | 1,530 |
| Net charge-offs to loans | 2.5113% | 746 |
| Credit loss provision to net charge-offs | 100.5051% | 4,527 |
| Earnings coverage of net charge-offs (x) | 2.4916% | 3,873 |
| Efficiency ratio | 26.4782% | 7,598 |
| Assets per employee ($millions) | 18.9575% | 67 |
| Cash dividends to net income (ytd only)* | 46.5421% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5744% | 1,315 |
| Loan loss allowance to noncurrent loans | 425.2103% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 5,655 |
| Noncurrent loans to loans | 0.6054% | 5,833 |
| Net loans and leases to total assets | 90.7959% | 39 |
| Net loans and leases to deposits | 110.7974% | 220 |
| Net loans and leases to core deposits | 516,379.0000% | 1 |
| Total domestic deposits to total assets | 81.9477% | 5,205 |
| Equity capital to assets | 16.6875% | 491 |
| Core capital (leverage) ratio | 16.9862% | 401 |
| Tier 1 risk-based capital ratio | 17.2252% | 2,258 |
| Total risk-based capital ratio | 18.4906% | 2,219 |
| Memoranda: | ||
| Average total assets | $516,926,400 | 1,293 |
| Average earning assets | $504,613,800 | 1,220 |
| Average equity | $91,609,800 | 730 |
| Average total loans | $480,898,800 | 936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5860% | 39 |
| Cost of funding earning assets | 1.5232% | 2,818 |
| Net interest margin | 8.0628% | 38 |
| Noninterest income to average assets | 0.1582% | 6,735 |
| Noninterest expense to average assets | 2.1088% | 6,825 |
| Loan and lease loss provision to assets | 2.5069% | 416 |
| Net operating income to assets | 2.1405% | 267 |
| Return on assets (ROA) | 2.1405% | 284 |
| Pretax return on assets | 3.4183% | 92 |
| Return on Equity (ROE) | 11.8826% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.1109% | 2,301 |
| Net charge-offs to loans | 2.5766% | 644 |
| Credit loss provision to net charge-offs | 104.6378% | 4,097 |
| Earnings coverage of net charge-offs (x) | 2.4732% | 3,929 |
| Efficiency ratio | 26.2480% | 7,701 |
| Assets per employee ($millions) | 18.3438% | 68 |
| Cash dividends to net income (ytd only)* | 48.5725% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7214% | 1,059 |
| Loan loss allowance to noncurrent loans | 358.6790% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 5,445 |
| Noncurrent loans to loans | 0.7587% | 5,684 |
| Net loans and leases to total assets | 91.0024% | 41 |
| Net loans and leases to deposits | 110.7063% | 242 |
| Net loans and leases to core deposits | 500,800.0000% | 1 |
| Total domestic deposits to total assets | 82.2016% | 4,914 |
| Equity capital to assets | 16.9603% | 520 |
| Core capital (leverage) ratio | 17.2832% | 404 |
| Tier 1 risk-based capital ratio | 17.6730% | 2,119 |
| Total risk-based capital ratio | 18.9405% | 2,081 |
| Memoranda: | ||
| Average total assets | $503,976,750 | 1,340 |
| Average earning assets | $492,287,750 | 1,259 |
| Average equity | $90,785,750 | 732 |
| Average total loans | $468,617,500 | 969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6698% | 39 |
| Cost of funding earning assets | 1.5728% | 2,814 |
| Net interest margin | 8.0969% | 40 |
| Noninterest income to average assets | 0.1609% | 6,743 |
| Noninterest expense to average assets | 2.0818% | 6,958 |
| Loan and lease loss provision to assets | 2.8211% | 367 |
| Net operating income to assets | 1.9917% | 336 |
| Return on assets (ROA) | 1.9917% | 372 |
| Pretax return on assets | 3.1613% | 110 |
| Return on Equity (ROE) | 10.8188% | 1,802 |
| Retained earnings to average equity (ytd only) | 4.9680% | 2,922 |
| Net charge-offs to loans | 2.7686% | 590 |
| Credit loss provision to net charge-offs | 109.8342% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.3291% | 3,834 |
| Efficiency ratio | 25.8148% | 7,771 |
| Assets per employee ($millions) | 18.1553% | 72 |
| Cash dividends to net income (ytd only)* | 54.0802% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9173% | 896 |
| Loan loss allowance to noncurrent loans | 442.7726% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 5,652 |
| Noncurrent loans to loans | 0.6589% | 5,934 |
| Net loans and leases to total assets | 89.8343% | 80 |
| Net loans and leases to deposits | 112.4528% | 227 |
| Net loans and leases to core deposits | 472,981.0000% | 2 |
| Total domestic deposits to total assets | 79.8862% | 5,762 |
| Equity capital to assets | 17.3640% | 482 |
| Core capital (leverage) ratio | 18.5988% | 322 |
| Tier 1 risk-based capital ratio | 18.2464% | 1,886 |
| Total risk-based capital ratio | 19.5162% | 1,854 |
| Memoranda: | ||
| Average total assets | $488,530,670 | 1,397 |
| Average earning assets | $476,846,670 | 1,300 |
| Average equity | $89,936,000 | 724 |
| Average total loans | $453,220,000 | 1,006 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8451% | 45 |
| Cost of funding earning assets | 1.6760% | 2,506 |
| Net interest margin | 8.1692% | 44 |
| Noninterest income to average assets | 0.2062% | 6,487 |
| Noninterest expense to average assets | 2.0718% | 7,011 |
| Loan and lease loss provision to assets | 3.5481% | 265 |
| Net operating income to assets | 1.5879% | 775 |
| Return on assets (ROA) | 1.5879% | 826 |
| Pretax return on assets | 2.5506% | 237 |
| Return on Equity (ROE) | 8.3594% | 2,711 |
| Retained earnings to average equity (ytd only) | 2.3858% | 4,707 |
| Net charge-offs to loans | 3.6146% | 384 |
| Credit loss provision to net charge-offs | 105.6570% | 3,247 |
| Earnings coverage of net charge-offs (x) | 1.8161% | 3,643 |
| Efficiency ratio | 25.3571% | 7,880 |
| Assets per employee ($millions) | 16.9246% | 87 |
| Cash dividends to net income (ytd only)* | 71.4592% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1432% | 731 |
| Loan loss allowance to noncurrent loans | 380.5724% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 5,263 |
| Noncurrent loans to loans | 0.8259% | 5,658 |
| Net loans and leases to total assets | 89.9314% | 68 |
| Net loans and leases to deposits | 112.6869% | 237 |
| Net loans and leases to core deposits | 426,174.0000% | 2 |
| Total domestic deposits to total assets | 79.8064% | 5,854 |
| Equity capital to assets | 18.8901% | 348 |
| Core capital (leverage) ratio | 19.1735% | 302 |
| Tier 1 risk-based capital ratio | 19.8376% | 1,554 |
| Total risk-based capital ratio | 21.1102% | 1,515 |
| Memoranda: | ||
| Average total assets | $469,544,000 | 1,494 |
| Average earning assets | $457,770,000 | 1,384 |
| Average equity | $89,193,000 | 734 |
| Average total loans | $436,233,000 | 1,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3725% | 36 |
| Cost of funding earning assets | 2.5402% | 920 |
| Net interest margin | 7.8323% | 38 |
| Noninterest income to average assets | 0.1524% | 6,971 |
| Noninterest expense to average assets | 2.2154% | 6,954 |
| Loan and lease loss provision to assets | 3.3156% | 479 |
| Net operating income to assets | 1.4474% | 768 |
| Return on assets (ROA) | 1.4522% | 818 |
| Pretax return on assets | 2.2736% | 239 |
| Return on Equity (ROE) | 8.3694% | 2,248 |
| Retained earnings to average equity (ytd only) | 2.2693% | 3,528 |
| Net charge-offs to loans | 2.8932% | 749 |
| Credit loss provision to net charge-offs | 122.8274% | 4,306 |
| Earnings coverage of net charge-offs (x) | 2.0678% | 4,177 |
| Efficiency ratio | 28.4131% | 7,947 |
| Assets per employee ($millions) | 16.0414% | 102 |
| Cash dividends to net income (ytd only)* | 72.8861% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1471% | 681 |
| Loan loss allowance to noncurrent loans | 286.3455% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 4,672 |
| Noncurrent loans to loans | 1.0991% | 5,124 |
| Net loans and leases to total assets | 90.0370% | 87 |
| Net loans and leases to deposits | 112.6494% | 302 |
| Net loans and leases to core deposits | 112.6797% | 2,628 |
| Total domestic deposits to total assets | 79.9267% | 5,689 |
| Equity capital to assets | 19.1032% | 353 |
| Core capital (leverage) ratio | 19.4471% | 306 |
| Tier 1 risk-based capital ratio | 20.0220% | 1,462 |
| Total risk-based capital ratio | 21.2945% | 1,418 |
| Memoranda: | ||
| Average total assets | $445,470,600 | 1,557 |
| Average earning assets | $434,802,400 | 1,458 |
| Average equity | $77,293,600 | 835 |
| Average total loans | $415,631,400 | 1,163 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4088% | 35 |
| Cost of funding earning assets | 2.7606% | 665 |
| Net interest margin | 7.6482% | 37 |
| Noninterest income to average assets | 0.1674% | 7,014 |
| Noninterest expense to average assets | 2.2496% | 6,841 |
| Loan and lease loss provision to assets | 3.0580% | 472 |
| Net operating income to assets | 1.5008% | 812 |
| Return on assets (ROA) | 1.5072% | 857 |
| Pretax return on assets | 2.3392% | 269 |
| Return on Equity (ROE) | 8.9245% | 2,287 |
| Retained earnings to average equity (ytd only) | 2.7222% | 3,810 |
| Net charge-offs to loans | 2.6318% | 690 |
| Credit loss provision to net charge-offs | 124.4182% | 4,049 |
| Earnings coverage of net charge-offs (x) | 2.1918% | 4,179 |
| Efficiency ratio | 29.4575% | 8,012 |
| Assets per employee ($millions) | 15.9280% | 97 |
| Cash dividends to net income (ytd only)* | 69.4980% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0504% | 649 |
| Loan loss allowance to noncurrent loans | 245.8421% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 4,516 |
| Noncurrent loans to loans | 1.2408% | 4,875 |
| Net loans and leases to total assets | 91.6455% | 64 |
| Net loans and leases to deposits | 112.9109% | 366 |
| Net loans and leases to core deposits | 112.9421% | 2,937 |
| Total domestic deposits to total assets | 81.1662% | 5,011 |
| Equity capital to assets | 17.7174% | 539 |
| Core capital (leverage) ratio | 17.5194% | 496 |
| Tier 1 risk-based capital ratio | 18.3450% | 1,899 |
| Total risk-based capital ratio | 19.6165% | 1,846 |
| Memoranda: | ||
| Average total assets | $440,538,250 | 1,583 |
| Average earning assets | $430,241,250 | 1,484 |
| Average equity | $74,400,000 | 881 |
| Average total loans | $411,423,750 | 1,191 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3244% | 35 |
| Cost of funding earning assets | 2.9761% | 507 |
| Net interest margin | 7.3483% | 45 |
| Noninterest income to average assets | 0.1427% | 7,234 |
| Noninterest expense to average assets | 2.2142% | 7,022 |
| Loan and lease loss provision to assets | 3.3183% | 442 |
| Net operating income to assets | 1.1849% | 1,516 |
| Return on assets (ROA) | 1.1948% | 1,574 |
| Pretax return on assets | 1.8020% | 848 |
| Return on Equity (ROE) | 7.1945% | 3,114 |
| Retained earnings to average equity (ytd only) | 0.8811% | 4,828 |
| Net charge-offs to loans | 2.6552% | 635 |
| Credit loss provision to net charge-offs | 134.3733% | 3,471 |
| Earnings coverage of net charge-offs (x) | 2.0674% | 4,045 |
| Efficiency ratio | 30.2504% | 8,103 |
| Assets per employee ($millions) | 15.1842% | 102 |
| Cash dividends to net income (ytd only)* | 87.7528% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0945% | 523 |
| Loan loss allowance to noncurrent loans | 273.7012% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3801% | 4,201 |
| Noncurrent loans to loans | 1.1306% | 4,957 |
| Net loans and leases to total assets | 90.6659% | 104 |
| Net loans and leases to deposits | 111.7090% | 490 |
| Net loans and leases to core deposits | 111.7402% | 3,165 |
| Total domestic deposits to total assets | 81.1626% | 5,014 |
| Equity capital to assets | 17.6442% | 588 |
| Core capital (leverage) ratio | 17.7514% | 536 |
| Tier 1 risk-based capital ratio | 18.4424% | 1,890 |
| Total risk-based capital ratio | 19.7142% | 1,837 |
| Memoranda: | ||
| Average total assets | $438,722,670 | 1,611 |
| Average earning assets | $428,481,000 | 1,506 |
| Average equity | $72,861,000 | 915 |
| Average total loans | $408,036,670 | 1,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2110% | 41 |
| Cost of funding earning assets | 3.2437% | 304 |
| Net interest margin | 6.9673% | 55 |
| Noninterest income to average assets | 0.0630% | 7,749 |
| Noninterest expense to average assets | 2.1831% | 6,913 |
| Loan and lease loss provision to assets | 3.7496% | 264 |
| Net operating income to assets | 0.7496% | 3,354 |
| Return on assets (ROA) | 0.7737% | 3,419 |
| Pretax return on assets | 0.9627% | 3,489 |
| Return on Equity (ROE) | 4.8095% | 4,548 |
| Retained earnings to average equity (ytd only) | -1.6581% | 6,031 |
| Net charge-offs to loans | 3.2458% | 385 |
| Credit loss provision to net charge-offs | 124.5827% | 3,190 |
| Earnings coverage of net charge-offs (x) | 1.5557% | 3,948 |
| Efficiency ratio | 31.7988% | 8,142 |
| Assets per employee ($millions) | 14.6717% | 116 |
| Cash dividends to net income (ytd only)* | 134.4746% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8913% | 534 |
| Loan loss allowance to noncurrent loans | 197.8378% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3450% | 3,974 |
| Noncurrent loans to loans | 1.4614% | 4,114 |
| Net loans and leases to total assets | 89.3716% | 170 |
| Net loans and leases to deposits | 110.5251% | 588 |
| Net loans and leases to core deposits | 110.5562% | 3,361 |
| Total domestic deposits to total assets | 80.8609% | 5,021 |
| Equity capital to assets | 17.5213% | 667 |
| Core capital (leverage) ratio | 17.7200% | 586 |
| Tier 1 risk-based capital ratio | 18.5143% | 1,931 |
| Total risk-based capital ratio | 19.7837% | 1,883 |
| Memoranda: | ||
| Average total assets | $437,913,000 | 1,625 |
| Average earning assets | $427,541,000 | 1,521 |
| Average equity | $70,444,000 | 956 |
| Average total loans | $406,060,500 | 1,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8716% | 39 |
| Cost of funding earning assets | 3.8814% | 147 |
| Net interest margin | 6.9902% | 55 |
| Noninterest income to average assets | -0.0181% | 8,164 |
| Noninterest expense to average assets | 2.1771% | 7,028 |
| Loan and lease loss provision to assets | 2.8743% | 326 |
| Net operating income to assets | 1.0655% | 2,276 |
| Return on assets (ROA) | 1.0655% | 2,187 |
| Pretax return on assets | 1.7717% | 994 |
| Return on Equity (ROE) | 7.1550% | 3,451 |
| Retained earnings to average equity (ytd only) | -3.0933% | 6,133 |
| Net charge-offs to loans | 2.1673% | 483 |
| Credit loss provision to net charge-offs | 144.8161% | 3,649 |
| Earnings coverage of net charge-offs (x) | 2.3408% | 4,916 |
| Efficiency ratio | 31.9080% | 8,223 |
| Assets per employee ($millions) | 14.0540% | 120 |
| Cash dividends to net income (ytd only)* | 143.2323% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6867% | 565 |
| Loan loss allowance to noncurrent loans | 214.3473% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 3,918 |
| Noncurrent loans to loans | 1.2534% | 4,006 |
| Net loans and leases to total assets | 90.9171% | 135 |
| Net loans and leases to deposits | 108.0749% | 966 |
| Net loans and leases to core deposits | 108.1044% | 3,955 |
| Total domestic deposits to total assets | 84.1242% | 3,258 |
| Equity capital to assets | 14.6366% | 1,265 |
| Core capital (leverage) ratio | 14.6825% | 1,093 |
| Tier 1 risk-based capital ratio | 15.2618% | 2,930 |
| Total risk-based capital ratio | 16.5288% | 2,859 |
| Memoranda: | ||
| Average total assets | $393,134,400 | 1,724 |
| Average earning assets | $384,754,800 | 1,615 |
| Average equity | $58,546,400 | 1,145 |
| Average total loans | $360,025,400 | 1,345 |