Home > EnerBank USA > Performance and Condition Ratios
EnerBank USA, Performance and Condition Ratios
| 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 | 9.1585% | 21 |
| Cost of funding earning assets | 1.3662% | 15 |
| Net interest margin | 7.7923% | 23 |
| Noninterest income to average assets | 0.7502% | 1,673 |
| Noninterest expense to average assets | 2.9284% | 1,080 |
| Loan and lease loss provision to assets | 0.4060% | 154 |
| Net operating income to assets | 3.7255% | 80 |
| Return on assets (ROA) | 3.7255% | 81 |
| Pretax return on assets | 4.8755% | 66 |
| Return on Equity (ROE) | 35.2382% | 56 |
| Retained earnings to average equity (ytd only) | 35.2382% | 17 |
| Net charge-offs to loans | 0.9200% | 74 |
| Credit loss provision to net charge-offs | 46.6169% | 1,879 |
| Earnings coverage of net charge-offs (x) | 6.0640% | 2,196 |
| Efficiency ratio | 35.6690% | 4,817 |
| Assets per employee ($millions) | 6.5036% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7152% | 83 |
| Loan loss allowance to noncurrent loans | 1,840.4004% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,825 |
| Noncurrent loans to loans | 0.2019% | 3,145 |
| Net loans and leases to total assets | 92.7227% | 7 |
| Net loans and leases to deposits | 106.8380% | 122 |
| Net loans and leases to core deposits | 568.8651% | 10 |
| Total domestic deposits to total assets | 86.7881% | 2,435 |
| Equity capital to assets | 11.8883% | 1,453 |
| Core capital (leverage) ratio | 13.1948% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,115,364,000 | 367 |
| Average earning assets | $2,982,395,250 | 353 |
| Average equity | $329,369,500 | 370 |
| Average total loans | $2,949,210,000 | 277 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1388% | 20 |
| Cost of funding earning assets | 1.4183% | 15 |
| Net interest margin | 7.7205% | 22 |
| Noninterest income to average assets | 0.9082% | 1,252 |
| Noninterest expense to average assets | 2.8755% | 1,192 |
| Loan and lease loss provision to assets | 0.7672% | 54 |
| Net operating income to assets | 3.5651% | 87 |
| Return on assets (ROA) | 3.5651% | 89 |
| Pretax return on assets | 4.6611% | 74 |
| Return on Equity (ROE) | 35.1925% | 64 |
| Retained earnings to average equity (ytd only) | 35.1925% | 19 |
| Net charge-offs to loans | 1.0484% | 75 |
| Credit loss provision to net charge-offs | 77.7481% | 1,494 |
| Earnings coverage of net charge-offs (x) | 5.5014% | 1,991 |
| Efficiency ratio | 34.6292% | 4,864 |
| Assets per employee ($millions) | 6.5422% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0671% | 68 |
| Loan loss allowance to noncurrent loans | 2,326.0599% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,148 |
| Noncurrent loans to loans | 0.1749% | 3,341 |
| Net loans and leases to total assets | 91.7511% | 10 |
| Net loans and leases to deposits | 105.7079% | 163 |
| Net loans and leases to core deposits | 521.1925% | 11 |
| Total domestic deposits to total assets | 86.7968% | 2,428 |
| Equity capital to assets | 11.0913% | 1,920 |
| Core capital (leverage) ratio | 12.6378% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,108,903,333 | 361 |
| Average earning assets | $2,978,058,000 | 346 |
| Average equity | $314,936,333 | 380 |
| Average total loans | $2,926,021,333 | 277 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1602% | 18 |
| Cost of funding earning assets | 1.4636% | 20 |
| Net interest margin | 7.6966% | 23 |
| Noninterest income to average assets | 1.2746% | 774 |
| Noninterest expense to average assets | 2.6434% | 1,759 |
| Loan and lease loss provision to assets | 0.5761% | 103 |
| Net operating income to assets | 4.1627% | 73 |
| Return on assets (ROA) | 4.1627% | 75 |
| Pretax return on assets | 5.4414% | 67 |
| Return on Equity (ROE) | 43.1037% | 53 |
| Retained earnings to average equity (ytd only) | 43.1037% | 26 |
| Net charge-offs to loans | 1.3021% | 54 |
| Credit loss provision to net charge-offs | 47.3845% | 1,320 |
| Earnings coverage of net charge-offs (x) | 4.9496% | 1,701 |
| Efficiency ratio | 30.5212% | 4,905 |
| Assets per employee ($millions) | 7.1962% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1741% | 67 |
| Loan loss allowance to noncurrent loans | 1,743.0069% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,057 |
| Noncurrent loans to loans | 0.2395% | 3,245 |
| Net loans and leases to total assets | 87.1549% | 64 |
| Net loans and leases to deposits | 99.0995% | 316 |
| Net loans and leases to core deposits | 119.6667% | 243 |
| Total domestic deposits to total assets | 87.9469% | 1,873 |
| Equity capital to assets | 10.2341% | 2,494 |
| Core capital (leverage) ratio | 11.4132% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,125,943,000 | 360 |
| Average earning assets | $2,999,932,000 | 344 |
| Average equity | $301,886,000 | 390 |
| Average total loans | $2,918,637,000 | 277 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3037% | 19 |
| Cost of funding earning assets | 1.8821% | 16 |
| Net interest margin | 7.4216% | 25 |
| Noninterest income to average assets | 0.2404% | 4,061 |
| Noninterest expense to average assets | 2.7583% | 2,043 |
| Loan and lease loss provision to assets | 2.0534% | 30 |
| Net operating income to assets | 1.9891% | 268 |
| Return on assets (ROA) | 1.9891% | 286 |
| Pretax return on assets | 2.5873% | 175 |
| Return on Equity (ROE) | 21.9574% | 160 |
| Retained earnings to average equity (ytd only) | 21.9574% | 52 |
| Net charge-offs to loans | 1.1391% | 110 |
| Credit loss provision to net charge-offs | 189.6490% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.2860% | 3,004 |
| Efficiency ratio | 37.2794% | 4,924 |
| Assets per employee ($millions) | 7.5921% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0872% | 67 |
| Loan loss allowance to noncurrent loans | 1,410.2717% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 2,911 |
| Noncurrent loans to loans | 0.2898% | 3,162 |
| Net loans and leases to total assets | 91.8448% | 13 |
| Net loans and leases to deposits | 102.8627% | 287 |
| Net loans and leases to core deposits | 571.1153% | 12 |
| Total domestic deposits to total assets | 89.2888% | 859 |
| Equity capital to assets | 9.0871% | 3,982 |
| Core capital (leverage) ratio | 10.4310% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,905,169,600 | 350 |
| Average earning assets | $2,802,220,800 | 332 |
| Average equity | $263,182,400 | 405 |
| Average total loans | $2,761,548,800 | 279 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2233% | 21 |
| Cost of funding earning assets | 1.9778% | 16 |
| Net interest margin | 7.2455% | 25 |
| Noninterest income to average assets | 0.0215% | 4,949 |
| Noninterest expense to average assets | 2.8210% | 1,915 |
| Loan and lease loss provision to assets | 2.1456% | 35 |
| Net operating income to assets | 1.5835% | 758 |
| Return on assets (ROA) | 1.5835% | 831 |
| Pretax return on assets | 2.0530% | 468 |
| Return on Equity (ROE) | 17.4941% | 403 |
| Retained earnings to average equity (ytd only) | 17.4941% | 117 |
| Net charge-offs to loans | 1.2018% | 108 |
| Credit loss provision to net charge-offs | 188.2012% | 2,154 |
| Earnings coverage of net charge-offs (x) | 3.6828% | 2,893 |
| Efficiency ratio | 40.1870% | 4,887 |
| Assets per employee ($millions) | 7.5400% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8467% | 70 |
| Loan loss allowance to noncurrent loans | 1,569.6679% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 3,271 |
| Noncurrent loans to loans | 0.2451% | 3,424 |
| Net loans and leases to total assets | 91.7846% | 18 |
| Net loans and leases to deposits | 102.1252% | 447 |
| Net loans and leases to core deposits | 570.4515% | 13 |
| Total domestic deposits to total assets | 89.8746% | 469 |
| Equity capital to assets | 8.2616% | 4,595 |
| Core capital (leverage) ratio | 10.3500% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,845,677,250 | 350 |
| Average earning assets | $2,748,551,750 | 328 |
| Average equity | $257,573,000 | 403 |
| Average total loans | $2,699,478,750 | 285 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2514% | 23 |
| Cost of funding earning assets | 2.1113% | 11 |
| Net interest margin | 7.1401% | 30 |
| Noninterest income to average assets | 0.0242% | 4,967 |
| Noninterest expense to average assets | 3.0357% | 1,493 |
| Loan and lease loss provision to assets | 1.8469% | 61 |
| Net operating income to assets | 1.5976% | 765 |
| Return on assets (ROA) | 1.5976% | 833 |
| Pretax return on assets | 2.0528% | 492 |
| Return on Equity (ROE) | 17.0759% | 445 |
| Retained earnings to average equity (ytd only) | 17.0759% | 140 |
| Net charge-offs to loans | 1.2811% | 103 |
| Credit loss provision to net charge-offs | 152.3402% | 2,113 |
| Earnings coverage of net charge-offs (x) | 3.2166% | 2,698 |
| Efficiency ratio | 43.7716% | 4,818 |
| Assets per employee ($millions) | 7.1537% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8343% | 71 |
| Loan loss allowance to noncurrent loans | 1,782.1453% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,514 |
| Noncurrent loans to loans | 0.2151% | 3,606 |
| Net loans and leases to total assets | 91.4081% | 15 |
| Net loans and leases to deposits | 102.8027% | 421 |
| Net loans and leases to core deposits | 531.4272% | 14 |
| Total domestic deposits to total assets | 88.9160% | 780 |
| Equity capital to assets | 8.7924% | 4,272 |
| Core capital (leverage) ratio | 10.9217% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,738,636,667 | 356 |
| Average earning assets | $2,650,813,000 | 331 |
| Average equity | $256,221,333 | 402 |
| Average total loans | $2,591,667,000 | 292 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4168% | 25 |
| Cost of funding earning assets | 2.2542% | 11 |
| Net interest margin | 7.1626% | 36 |
| Noninterest income to average assets | 0.0289% | 5,005 |
| Noninterest expense to average assets | 2.5751% | 3,064 |
| Loan and lease loss provision to assets | 1.9227% | 74 |
| Net operating income to assets | 2.0529% | 243 |
| Return on assets (ROA) | 2.0529% | 266 |
| Pretax return on assets | 2.4908% | 167 |
| Return on Equity (ROE) | 21.2658% | 128 |
| Retained earnings to average equity (ytd only) | 21.2658% | 52 |
| Net charge-offs to loans | 1.4772% | 97 |
| Credit loss provision to net charge-offs | 137.8574% | 1,630 |
| Earnings coverage of net charge-offs (x) | 3.1645% | 2,231 |
| Efficiency ratio | 36.8468% | 5,021 |
| Assets per employee ($millions) | 7.4999% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8701% | 84 |
| Loan loss allowance to noncurrent loans | 1,283.9838% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 3,298 |
| Noncurrent loans to loans | 0.3014% | 3,420 |
| Net loans and leases to total assets | 91.5131% | 14 |
| Net loans and leases to deposits | 102.4054% | 435 |
| Net loans and leases to core deposits | 542.5487% | 9 |
| Total domestic deposits to total assets | 89.3636% | 525 |
| Equity capital to assets | 9.0498% | 4,571 |
| Core capital (leverage) ratio | 10.2920% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,687,937,500 | 345 |
| Average earning assets | $2,611,795,000 | 332 |
| Average equity | $259,478,000 | 402 |
| Average total loans | $2,537,736,000 | 291 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4165% | 29 |
| Cost of funding earning assets | 2.2800% | 15 |
| Net interest margin | 7.1364% | 37 |
| Noninterest income to average assets | 0.1158% | 4,878 |
| Noninterest expense to average assets | 2.8241% | 2,523 |
| Loan and lease loss provision to assets | 1.5652% | 57 |
| Net operating income to assets | 2.0376% | 318 |
| Return on assets (ROA) | 2.0376% | 339 |
| Pretax return on assets | 2.6874% | 147 |
| Return on Equity (ROE) | 19.4781% | 243 |
| Retained earnings to average equity (ytd only) | 19.4781% | 36 |
| Net charge-offs to loans | 1.2809% | 117 |
| Credit loss provision to net charge-offs | 130.7877% | 1,951 |
| Earnings coverage of net charge-offs (x) | 3.5535% | 3,308 |
| Efficiency ratio | 39.9073% | 5,068 |
| Assets per employee ($millions) | 8.0057% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,876 |
| Loan loss allowance to noncurrent loans | 371.1713% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 3,100 |
| Noncurrent loans to loans | 0.3528% | 3,186 |
| Net loans and leases to total assets | 92.4110% | 15 |
| Net loans and leases to deposits | 104.4930% | 359 |
| Net loans and leases to core deposits | 583.0261% | 10 |
| Total domestic deposits to total assets | 88.4376% | 919 |
| Equity capital to assets | 10.2490% | 3,681 |
| Core capital (leverage) ratio | 10.2570% | 3,236 |
| Tier 1 risk-based capital ratio | 10.4499% | 5,032 |
| Total risk-based capital ratio | 11.6998% | 4,964 |
| Memoranda: | ||
| Average total assets | $2,400,623,600 | 358 |
| Average earning assets | $2,341,589,200 | 348 |
| Average equity | $251,128,800 | 391 |
| Average total loans | $2,242,871,200 | 302 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3619% | 30 |
| Cost of funding earning assets | 2.2670% | 16 |
| Net interest margin | 7.0949% | 37 |
| Noninterest income to average assets | 0.0101% | 5,186 |
| Noninterest expense to average assets | 2.7764% | 2,633 |
| Loan and lease loss provision to assets | 1.6887% | 52 |
| Net operating income to assets | 1.8683% | 540 |
| Return on assets (ROA) | 1.8683% | 562 |
| Pretax return on assets | 2.4622% | 267 |
| Return on Equity (ROE) | 17.7547% | 413 |
| Retained earnings to average equity (ytd only) | 17.7547% | 71 |
| Net charge-offs to loans | 1.2966% | 108 |
| Credit loss provision to net charge-offs | 139.4949% | 1,726 |
| Earnings coverage of net charge-offs (x) | 3.4288% | 3,099 |
| Efficiency ratio | 40.0792% | 5,122 |
| Assets per employee ($millions) | 7.8867% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 1,932 |
| Loan loss allowance to noncurrent loans | 474.9637% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,539 |
| Noncurrent loans to loans | 0.2755% | 3,551 |
| Net loans and leases to total assets | 91.8840% | 18 |
| Net loans and leases to deposits | 103.3161% | 438 |
| Net loans and leases to core deposits | 584.9798% | 11 |
| Total domestic deposits to total assets | 88.9348% | 634 |
| Equity capital to assets | 9.7328% | 4,259 |
| Core capital (leverage) ratio | 10.2339% | 3,381 |
| Tier 1 risk-based capital ratio | 9.9185% | 5,201 |
| Total risk-based capital ratio | 11.1602% | 5,161 |
| Memoranda: | ||
| Average total assets | $2,324,299,250 | 371 |
| Average earning assets | $2,266,085,250 | 355 |
| Average equity | $244,578,500 | 401 |
| Average total loans | $2,170,151,750 | 310 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4689% | 27 |
| Cost of funding earning assets | 2.2414% | 18 |
| Net interest margin | 7.2275% | 38 |
| Noninterest income to average assets | 0.0098% | 5,234 |
| Noninterest expense to average assets | 2.9396% | 2,170 |
| Loan and lease loss provision to assets | 1.5493% | 53 |
| Net operating income to assets | 1.9461% | 428 |
| Return on assets (ROA) | 1.9461% | 450 |
| Pretax return on assets | 2.5657% | 213 |
| Return on Equity (ROE) | 17.9482% | 381 |
| Retained earnings to average equity (ytd only) | 17.9482% | 84 |
| Net charge-offs to loans | 1.2760% | 99 |
| Credit loss provision to net charge-offs | 129.8989% | 1,664 |
| Earnings coverage of net charge-offs (x) | 3.4502% | 2,840 |
| Efficiency ratio | 41.6695% | 5,124 |
| Assets per employee ($millions) | 7.3457% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,247 |
| Loan loss allowance to noncurrent loans | 531.7780% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 3,694 |
| Noncurrent loans to loans | 0.2352% | 3,700 |
| Net loans and leases to total assets | 92.3227% | 19 |
| Net loans and leases to deposits | 104.5375% | 400 |
| Net loans and leases to core deposits | 543.8822% | 11 |
| Total domestic deposits to total assets | 88.3154% | 959 |
| Equity capital to assets | 10.3393% | 3,658 |
| Core capital (leverage) ratio | 10.9553% | 2,639 |
| Tier 1 risk-based capital ratio | 10.2769% | 5,176 |
| Total risk-based capital ratio | 11.4396% | 5,123 |
| Memoranda: | ||
| Average total assets | $2,205,238,670 | 391 |
| Average earning assets | $2,149,512,330 | 366 |
| Average equity | $239,110,000 | 408 |
| Average total loans | $2,061,362,000 | 322 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5247% | 27 |
| Cost of funding earning assets | 2.2149% | 18 |
| Net interest margin | 7.3097% | 33 |
| Noninterest income to average assets | 0.0154% | 5,288 |
| Noninterest expense to average assets | 3.0653% | 1,815 |
| Loan and lease loss provision to assets | 1.4022% | 57 |
| Net operating income to assets | 2.0251% | 370 |
| Return on assets (ROA) | 2.0251% | 388 |
| Pretax return on assets | 2.6686% | 192 |
| Return on Equity (ROE) | 18.1903% | 380 |
| Retained earnings to average equity (ytd only) | 18.1903% | 140 |
| Net charge-offs to loans | 1.2828% | 100 |
| Credit loss provision to net charge-offs | 116.9553% | 1,435 |
| Earnings coverage of net charge-offs (x) | 3.3954% | 2,404 |
| Efficiency ratio | 42.9544% | 5,133 |
| Assets per employee ($millions) | 6.7817% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,365 |
| Loan loss allowance to noncurrent loans | 472.6647% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 3,635 |
| Noncurrent loans to loans | 0.2630% | 3,620 |
| Net loans and leases to total assets | 92.3978% | 17 |
| Net loans and leases to deposits | 105.4119% | 337 |
| Net loans and leases to core deposits | 522.0992% | 13 |
| Total domestic deposits to total assets | 87.6540% | 1,496 |
| Equity capital to assets | 10.9466% | 2,908 |
| Core capital (leverage) ratio | 11.3421% | 2,250 |
| Tier 1 risk-based capital ratio | 10.8002% | 5,067 |
| Total risk-based capital ratio | 11.9481% | 5,011 |
| Memoranda: | ||
| Average total assets | $2,099,491,000 | 413 |
| Average earning assets | $2,045,215,000 | 388 |
| Average equity | $233,728,500 | 412 |
| Average total loans | $1,962,313,500 | 339 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6224% | 23 |
| Cost of funding earning assets | 1.7842% | 30 |
| Net interest margin | 7.8382% | 29 |
| Noninterest income to average assets | 0.0183% | 5,326 |
| Noninterest expense to average assets | 3.1587% | 1,650 |
| Loan and lease loss provision to assets | 1.4830% | 46 |
| Net operating income to assets | 2.2873% | 221 |
| Return on assets (ROA) | 2.2873% | 211 |
| Pretax return on assets | 3.0295% | 93 |
| Return on Equity (ROE) | 18.2833% | 363 |
| Retained earnings to average equity (ytd only) | 18.2833% | 51 |
| Net charge-offs to loans | 1.3034% | 91 |
| Credit loss provision to net charge-offs | 122.9647% | 2,127 |
| Earnings coverage of net charge-offs (x) | 3.7416% | 3,384 |
| Efficiency ratio | 41.1202% | 5,259 |
| Assets per employee ($millions) | 6.4800% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,076 |
| Loan loss allowance to noncurrent loans | 496.9975% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 3,630 |
| Noncurrent loans to loans | 0.2602% | 3,646 |
| Net loans and leases to total assets | 92.1559% | 28 |
| Net loans and leases to deposits | 105.3618% | 398 |
| Net loans and leases to core deposits | 616.2787% | 13 |
| Total domestic deposits to total assets | 87.4662% | 1,555 |
| Equity capital to assets | 11.3342% | 2,383 |
| Core capital (leverage) ratio | 12.0926% | 1,676 |
| Tier 1 risk-based capital ratio | 11.2166% | 4,857 |
| Total risk-based capital ratio | 12.4128% | 4,797 |
| Memoranda: | ||
| Average total assets | $1,665,182,400 | 491 |
| Average earning assets | $1,625,816,200 | 461 |
| Average equity | $208,315,600 | 437 |
| Average total loans | $1,540,807,600 | 394 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5631% | 24 |
| Cost of funding earning assets | 1.6747% | 33 |
| Net interest margin | 7.8883% | 25 |
| Noninterest income to average assets | 0.0221% | 5,395 |
| Noninterest expense to average assets | 3.2519% | 1,404 |
| Loan and lease loss provision to assets | 1.4998% | 47 |
| Net operating income to assets | 2.2598% | 248 |
| Return on assets (ROA) | 2.2598% | 246 |
| Pretax return on assets | 2.9774% | 113 |
| Return on Equity (ROE) | 17.5377% | 479 |
| Retained earnings to average equity (ytd only) | 17.5377% | 95 |
| Net charge-offs to loans | 1.3406% | 94 |
| Credit loss provision to net charge-offs | 121.2558% | 1,973 |
| Earnings coverage of net charge-offs (x) | 3.6197% | 3,144 |
| Efficiency ratio | 41.9957% | 5,270 |
| Assets per employee ($millions) | 6.0570% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,742 |
| Loan loss allowance to noncurrent loans | 567.7026% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 3,812 |
| Noncurrent loans to loans | 0.2448% | 3,816 |
| Net loans and leases to total assets | 90.9792% | 47 |
| Net loans and leases to deposits | 105.3465% | 469 |
| Net loans and leases to core deposits | 727.7757% | 9 |
| Total domestic deposits to total assets | 86.3619% | 2,034 |
| Equity capital to assets | 12.1897% | 1,775 |
| Core capital (leverage) ratio | 12.9677% | 1,296 |
| Tier 1 risk-based capital ratio | 12.2628% | 4,344 |
| Total risk-based capital ratio | 13.5133% | 4,225 |
| Memoranda: | ||
| Average total assets | $1,577,658,250 | 516 |
| Average earning assets | $1,541,407,750 | 478 |
| Average equity | $203,290,750 | 440 |
| Average total loans | $1,455,626,500 | 408 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5357% | 26 |
| Cost of funding earning assets | 1.5756% | 40 |
| Net interest margin | 7.9601% | 27 |
| Noninterest income to average assets | 0.0265% | 5,447 |
| Noninterest expense to average assets | 3.2611% | 1,407 |
| Loan and lease loss provision to assets | 1.6922% | 42 |
| Net operating income to assets | 2.1654% | 271 |
| Return on assets (ROA) | 2.1654% | 264 |
| Pretax return on assets | 2.8529% | 135 |
| Return on Equity (ROE) | 16.4551% | 588 |
| Retained earnings to average equity (ytd only) | 16.4551% | 140 |
| Net charge-offs to loans | 1.4074% | 90 |
| Credit loss provision to net charge-offs | 130.3142% | 1,720 |
| Earnings coverage of net charge-offs (x) | 3.5001% | 2,874 |
| Efficiency ratio | 41.6554% | 5,359 |
| Assets per employee ($millions) | 5.5986% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,166 |
| Loan loss allowance to noncurrent loans | 661.4107% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 3,938 |
| Noncurrent loans to loans | 0.2383% | 3,853 |
| Net loans and leases to total assets | 87.8684% | 145 |
| Net loans and leases to deposits | 102.2348% | 643 |
| Net loans and leases to core deposits | 653.7057% | 12 |
| Total domestic deposits to total assets | 85.9477% | 2,306 |
| Equity capital to assets | 12.8179% | 1,380 |
| Core capital (leverage) ratio | 13.7338% | 984 |
| Tier 1 risk-based capital ratio | 13.4912% | 3,622 |
| Total risk-based capital ratio | 14.7441% | 3,535 |
| Memoranda: | ||
| Average total assets | $1,509,959,670 | 537 |
| Average earning assets | $1,475,767,000 | 503 |
| Average equity | $198,698,330 | 447 |
| Average total loans | $1,393,185,670 | 419 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7614% | 25 |
| Cost of funding earning assets | 1.5530% | 34 |
| Net interest margin | 8.2084% | 25 |
| Noninterest income to average assets | 0.0324% | 5,511 |
| Noninterest expense to average assets | 3.2787% | 1,388 |
| Loan and lease loss provision to assets | 1.6096% | 45 |
| Net operating income to assets | 2.4029% | 171 |
| Return on assets (ROA) | 2.4029% | 172 |
| Pretax return on assets | 3.1660% | 98 |
| Return on Equity (ROE) | 18.0022% | 413 |
| Retained earnings to average equity (ytd only) | 18.0022% | 156 |
| Net charge-offs to loans | 1.4572% | 97 |
| Credit loss provision to net charge-offs | 117.6117% | 1,397 |
| Earnings coverage of net charge-offs (x) | 3.4895% | 2,383 |
| Efficiency ratio | 40.4657% | 5,447 |
| Assets per employee ($millions) | 5.4633% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,456 |
| Loan loss allowance to noncurrent loans | 565.7786% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,874 |
| Noncurrent loans to loans | 0.2657% | 3,815 |
| Net loans and leases to total assets | 92.5169% | 18 |
| Net loans and leases to deposits | 108.9853% | 287 |
| Net loans and leases to core deposits | 655.6907% | 13 |
| Total domestic deposits to total assets | 84.8893% | 2,976 |
| Equity capital to assets | 13.6486% | 996 |
| Core capital (leverage) ratio | 13.6260% | 971 |
| Tier 1 risk-based capital ratio | 13.7529% | 3,516 |
| Total risk-based capital ratio | 15.0050% | 3,420 |
| Memoranda: | ||
| Average total assets | $1,458,736,000 | 550 |
| Average earning assets | $1,425,608,500 | 523 |
| Average equity | $194,709,500 | 462 |
| Average total loans | $1,370,034,000 | 428 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5217% | 25 |
| Cost of funding earning assets | 1.4052% | 32 |
| Net interest margin | 8.1165% | 25 |
| Noninterest income to average assets | 0.2965% | 4,328 |
| Noninterest expense to average assets | 3.2122% | 1,580 |
| Loan and lease loss provision to assets | 1.4354% | 62 |
| Net operating income to assets | 2.0429% | 257 |
| Return on assets (ROA) | 2.0429% | 265 |
| Pretax return on assets | 3.5838% | 74 |
| Return on Equity (ROE) | 16.2126% | 456 |
| Retained earnings to average equity (ytd only) | 16.2126% | 64 |
| Net charge-offs to loans | 1.2278% | 133 |
| Credit loss provision to net charge-offs | 124.8170% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.3646% | 3,476 |
| Efficiency ratio | 38.9371% | 5,541 |
| Assets per employee ($millions) | 5.3047% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,618 |
| Loan loss allowance to noncurrent loans | 536.7719% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,877 |
| Noncurrent loans to loans | 0.2682% | 3,825 |
| Net loans and leases to total assets | 92.5575% | 25 |
| Net loans and leases to deposits | 108.2160% | 319 |
| Net loans and leases to core deposits | 672.0042% | 14 |
| Total domestic deposits to total assets | 85.5304% | 2,645 |
| Equity capital to assets | 13.0471% | 1,242 |
| Core capital (leverage) ratio | 13.1504% | 1,094 |
| Tier 1 risk-based capital ratio | 13.2293% | 3,769 |
| Total risk-based capital ratio | 14.4808% | 3,700 |
| Memoranda: | ||
| Average total assets | $1,401,943,800 | 548 |
| Average earning assets | $1,370,560,800 | 512 |
| Average equity | $176,652,600 | 476 |
| Average total loans | $1,313,096,400 | 429 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4145% | 25 |
| Cost of funding earning assets | 1.3560% | 34 |
| Net interest margin | 8.0585% | 27 |
| Noninterest income to average assets | 0.2092% | 4,962 |
| Noninterest expense to average assets | 3.1976% | 1,562 |
| Loan and lease loss provision to assets | 1.4250% | 64 |
| Net operating income to assets | 2.1485% | 239 |
| Return on assets (ROA) | 2.1485% | 242 |
| Pretax return on assets | 3.4643% | 86 |
| Return on Equity (ROE) | 17.2110% | 397 |
| Retained earnings to average equity (ytd only) | 17.2110% | 71 |
| Net charge-offs to loans | 1.1468% | 147 |
| Credit loss provision to net charge-offs | 132.7605% | 1,858 |
| Earnings coverage of net charge-offs (x) | 4.5550% | 3,210 |
| Efficiency ratio | 39.4518% | 5,595 |
| Assets per employee ($millions) | 5.0990% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,767 |
| Loan loss allowance to noncurrent loans | 670.1245% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 4,293 |
| Noncurrent loans to loans | 0.2139% | 4,212 |
| Net loans and leases to total assets | 92.3422% | 28 |
| Net loans and leases to deposits | 107.5000% | 356 |
| Net loans and leases to core deposits | 840.3373% | 10 |
| Total domestic deposits to total assets | 85.8998% | 2,345 |
| Equity capital to assets | 12.7546% | 1,511 |
| Core capital (leverage) ratio | 13.1050% | 1,170 |
| Tier 1 risk-based capital ratio | 12.9434% | 4,047 |
| Total risk-based capital ratio | 14.1948% | 3,953 |
| Memoranda: | ||
| Average total assets | $1,387,734,750 | 553 |
| Average earning assets | $1,356,609,500 | 520 |
| Average equity | $173,233,750 | 487 |
| Average total loans | $1,298,887,500 | 431 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4426% | 26 |
| Cost of funding earning assets | 1.3355% | 31 |
| Net interest margin | 8.1071% | 27 |
| Noninterest income to average assets | 0.3095% | 4,325 |
| Noninterest expense to average assets | 3.2299% | 1,518 |
| Loan and lease loss provision to assets | 1.3822% | 72 |
| Net operating income to assets | 2.2483% | 193 |
| Return on assets (ROA) | 2.2483% | 194 |
| Pretax return on assets | 3.6221% | 83 |
| Return on Equity (ROE) | 18.1491% | 321 |
| Retained earnings to average equity (ytd only) | 18.1491% | 74 |
| Net charge-offs to loans | 1.1066% | 175 |
| Credit loss provision to net charge-offs | 133.4885% | 1,649 |
| Earnings coverage of net charge-offs (x) | 4.8331% | 2,882 |
| Efficiency ratio | 39.1372% | 5,644 |
| Assets per employee ($millions) | 5.0195% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,953 |
| Loan loss allowance to noncurrent loans | 769.9574% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 4,501 |
| Noncurrent loans to loans | 0.1817% | 4,392 |
| Net loans and leases to total assets | 93.0580% | 18 |
| Net loans and leases to deposits | 108.6794% | 294 |
| Net loans and leases to core deposits | 905.9599% | 12 |
| Total domestic deposits to total assets | 85.6262% | 2,558 |
| Equity capital to assets | 12.9225% | 1,408 |
| Core capital (leverage) ratio | 13.1349% | 1,124 |
| Tier 1 risk-based capital ratio | 13.0101% | 3,989 |
| Total risk-based capital ratio | 14.2611% | 3,904 |
| Memoranda: | ||
| Average total assets | $1,369,310,330 | 559 |
| Average earning assets | $1,338,506,670 | 526 |
| Average equity | $169,628,330 | 497 |
| Average total loans | $1,281,221,330 | 438 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5198% | 26 |
| Cost of funding earning assets | 1.3360% | 28 |
| Net interest margin | 8.1838% | 30 |
| Noninterest income to average assets | 0.4822% | 3,095 |
| Noninterest expense to average assets | 3.0964% | 1,876 |
| Loan and lease loss provision to assets | 1.4258% | 55 |
| Net operating income to assets | 2.4629% | 146 |
| Return on assets (ROA) | 2.4629% | 146 |
| Pretax return on assets | 3.9582% | 82 |
| Return on Equity (ROE) | 20.3204% | 214 |
| Retained earnings to average equity (ytd only) | 20.3204% | 101 |
| Net charge-offs to loans | 1.1954% | 149 |
| Credit loss provision to net charge-offs | 128.0241% | 1,330 |
| Earnings coverage of net charge-offs (x) | 4.8344% | 2,345 |
| Efficiency ratio | 36.4266% | 5,747 |
| Assets per employee ($millions) | 5.2487% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,354 |
| Loan loss allowance to noncurrent loans | 714.0791% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,551 |
| Noncurrent loans to loans | 0.1871% | 4,455 |
| Net loans and leases to total assets | 91.2141% | 32 |
| Net loans and leases to deposits | 105.9318% | 324 |
| Net loans and leases to core deposits | 1,759.8904% | 11 |
| Total domestic deposits to total assets | 86.1064% | 2,622 |
| Equity capital to assets | 12.5140% | 1,521 |
| Core capital (leverage) ratio | 12.3933% | 1,394 |
| Tier 1 risk-based capital ratio | 12.9293% | 4,125 |
| Total risk-based capital ratio | 14.1796% | 4,017 |
| Memoranda: | ||
| Average total assets | $1,368,800,500 | 566 |
| Average earning assets | $1,337,760,000 | 527 |
| Average equity | $165,902,000 | 504 |
| Average total loans | $1,275,184,000 | 442 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3635% | 25 |
| Cost of funding earning assets | 1.2713% | 39 |
| Net interest margin | 8.0921% | 28 |
| Noninterest income to average assets | 0.0436% | 5,788 |
| Noninterest expense to average assets | 2.9517% | 2,492 |
| Loan and lease loss provision to assets | 1.4721% | 61 |
| Net operating income to assets | 2.2078% | 225 |
| Return on assets (ROA) | 2.2078% | 232 |
| Pretax return on assets | 3.5276% | 85 |
| Return on Equity (ROE) | 19.4656% | 236 |
| Retained earnings to average equity (ytd only) | 19.4656% | 53 |
| Net charge-offs to loans | 1.0125% | 183 |
| Credit loss provision to net charge-offs | 155.4666% | 1,769 |
| Earnings coverage of net charge-offs (x) | 5.2802% | 3,364 |
| Efficiency ratio | 37.0251% | 5,819 |
| Assets per employee ($millions) | 5.1618% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 3,029 |
| Loan loss allowance to noncurrent loans | 514.9034% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 4,420 |
| Noncurrent loans to loans | 0.2360% | 4,301 |
| Net loans and leases to total assets | 92.7220% | 22 |
| Net loans and leases to deposits | 106.5006% | 323 |
| Net loans and leases to core deposits | 761.4398% | 14 |
| Total domestic deposits to total assets | 87.0625% | 2,112 |
| Equity capital to assets | 11.7318% | 1,986 |
| Core capital (leverage) ratio | 11.9622% | 1,624 |
| Tier 1 risk-based capital ratio | 11.9581% | 4,760 |
| Total risk-based capital ratio | 13.1212% | 4,704 |
| Memoranda: | ||
| Average total assets | $1,305,970,400 | 566 |
| Average earning assets | $1,276,227,600 | 533 |
| Average equity | $148,123,200 | 536 |
| Average total loans | $1,221,276,800 | 437 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3589% | 24 |
| Cost of funding earning assets | 1.2581% | 41 |
| Net interest margin | 8.1008% | 29 |
| Noninterest income to average assets | 0.0270% | 5,885 |
| Noninterest expense to average assets | 3.0231% | 2,250 |
| Loan and lease loss provision to assets | 1.1734% | 78 |
| Net operating income to assets | 2.3700% | 192 |
| Return on assets (ROA) | 2.3700% | 199 |
| Pretax return on assets | 3.7474% | 83 |
| Return on Equity (ROE) | 21.0895% | 192 |
| Retained earnings to average equity (ytd only) | 21.0895% | 44 |
| Net charge-offs to loans | 0.9117% | 194 |
| Credit loss provision to net charge-offs | 137.7780% | 1,889 |
| Earnings coverage of net charge-offs (x) | 5.7777% | 3,083 |
| Efficiency ratio | 37.9579% | 5,864 |
| Assets per employee ($millions) | 4.8919% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 4,627 |
| Loan loss allowance to noncurrent loans | 402.2177% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,547 |
| Noncurrent loans to loans | 0.2381% | 4,418 |
| Net loans and leases to total assets | 92.3428% | 21 |
| Net loans and leases to deposits | 106.3453% | 370 |
| Net loans and leases to core deposits | 660.0668% | 14 |
| Total domestic deposits to total assets | 86.8330% | 1,974 |
| Equity capital to assets | 11.6196% | 2,421 |
| Core capital (leverage) ratio | 11.8724% | 1,772 |
| Tier 1 risk-based capital ratio | 11.8401% | 4,894 |
| Total risk-based capital ratio | 12.7505% | 4,997 |
| Memoranda: | ||
| Average total assets | $1,287,913,250 | 572 |
| Average earning assets | $1,258,675,250 | 540 |
| Average equity | $144,732,000 | 551 |
| Average total loans | $1,203,192,500 | 441 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4107% | 23 |
| Cost of funding earning assets | 1.2454% | 43 |
| Net interest margin | 8.1653% | 30 |
| Noninterest income to average assets | 0.0238% | 5,965 |
| Noninterest expense to average assets | 2.9823% | 2,402 |
| Loan and lease loss provision to assets | 1.0275% | 97 |
| Net operating income to assets | 2.5439% | 144 |
| Return on assets (ROA) | 2.5439% | 144 |
| Pretax return on assets | 3.9943% | 72 |
| Return on Equity (ROE) | 22.9108% | 131 |
| Retained earnings to average equity (ytd only) | 22.9108% | 41 |
| Net charge-offs to loans | 0.8337% | 236 |
| Credit loss provision to net charge-offs | 131.8320% | 1,755 |
| Earnings coverage of net charge-offs (x) | 6.4429% | 2,740 |
| Efficiency ratio | 37.1615% | 5,955 |
| Assets per employee ($millions) | 5.1192% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 5,083 |
| Loan loss allowance to noncurrent loans | 465.9821% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 4,802 |
| Noncurrent loans to loans | 0.1854% | 4,691 |
| Net loans and leases to total assets | 93.2204% | 15 |
| Net loans and leases to deposits | 107.7745% | 306 |
| Net loans and leases to core deposits | 599.9704% | 17 |
| Total domestic deposits to total assets | 86.4958% | 2,173 |
| Equity capital to assets | 11.5971% | 2,444 |
| Core capital (leverage) ratio | 11.7189% | 1,834 |
| Tier 1 risk-based capital ratio | 11.7128% | 5,028 |
| Total risk-based capital ratio | 12.5338% | 5,187 |
| Memoranda: | ||
| Average total assets | $1,270,424,330 | 580 |
| Average earning assets | $1,241,651,000 | 545 |
| Average equity | $141,060,330 | 566 |
| Average total loans | $1,187,685,330 | 446 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5511% | 25 |
| Cost of funding earning assets | 1.2285% | 46 |
| Net interest margin | 8.3226% | 30 |
| Noninterest income to average assets | 0.0199% | 6,037 |
| Noninterest expense to average assets | 3.0412% | 2,267 |
| Loan and lease loss provision to assets | 1.0007% | 91 |
| Net operating income to assets | 2.6780% | 125 |
| Return on assets (ROA) | 2.6780% | 125 |
| Pretax return on assets | 4.1109% | 73 |
| Return on Equity (ROE) | 24.6769% | 104 |
| Retained earnings to average equity (ytd only) | 24.6769% | 47 |
| Net charge-offs to loans | 0.8537% | 239 |
| Credit loss provision to net charge-offs | 125.7461% | 1,388 |
| Earnings coverage of net charge-offs (x) | 6.4234% | 2,245 |
| Efficiency ratio | 37.2058% | 6,013 |
| Assets per employee ($millions) | 5.2191% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 5,353 |
| Loan loss allowance to noncurrent loans | 470.6931% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 4,939 |
| Noncurrent loans to loans | 0.1706% | 4,803 |
| Net loans and leases to total assets | 92.2497% | 27 |
| Net loans and leases to deposits | 105.4771% | 361 |
| Net loans and leases to core deposits | 540.3057% | 15 |
| Total domestic deposits to total assets | 87.4595% | 1,955 |
| Equity capital to assets | 11.0967% | 2,830 |
| Core capital (leverage) ratio | 11.1600% | 2,256 |
| Tier 1 risk-based capital ratio | 11.3646% | 5,302 |
| Total risk-based capital ratio | 12.1298% | 5,469 |
| Memoranda: | ||
| Average total assets | $1,263,174,500 | 579 |
| Average earning assets | $1,234,369,000 | 547 |
| Average equity | $137,083,500 | 577 |
| Average total loans | $1,177,403,500 | 448 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3024% | 26 |
| Cost of funding earning assets | 1.1316% | 80 |
| Net interest margin | 8.1708% | 29 |
| Noninterest income to average assets | 0.1086% | 5,847 |
| Noninterest expense to average assets | 3.2936% | 1,733 |
| Loan and lease loss provision to assets | 0.7150% | 141 |
| Net operating income to assets | 2.4976% | 153 |
| Return on assets (ROA) | 2.4976% | 157 |
| Pretax return on assets | 4.0614% | 73 |
| Return on Equity (ROE) | 23.2426% | 129 |
| Retained earnings to average equity (ytd only) | 23.2426% | 48 |
| Net charge-offs to loans | 0.6341% | 375 |
| Credit loss provision to net charge-offs | 120.6828% | 2,134 |
| Earnings coverage of net charge-offs (x) | 8.0617% | 3,003 |
| Efficiency ratio | 40.7005% | 6,052 |
| Assets per employee ($millions) | 5.5684% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 5,512 |
| Loan loss allowance to noncurrent loans | 411.2297% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,915 |
| Noncurrent loans to loans | 0.1841% | 4,750 |
| Net loans and leases to total assets | 92.7196% | 20 |
| Net loans and leases to deposits | 105.6165% | 376 |
| Net loans and leases to core deposits | 502.3838% | 16 |
| Total domestic deposits to total assets | 87.7889% | 1,752 |
| Equity capital to assets | 10.6039% | 3,243 |
| Core capital (leverage) ratio | 11.0484% | 2,351 |
| Tier 1 risk-based capital ratio | 11.0859% | 5,473 |
| Total risk-based capital ratio | 11.8260% | 5,662 |
| Memoranda: | ||
| Average total assets | $1,107,365,000 | 634 |
| Average earning assets | $1,078,988,200 | 596 |
| Average equity | $118,997,200 | 642 |
| Average total loans | $1,034,614,400 | 466 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2747% | 26 |
| Cost of funding earning assets | 1.1173% | 90 |
| Net interest margin | 8.1574% | 30 |
| Noninterest income to average assets | 0.1434% | 5,762 |
| Noninterest expense to average assets | 3.2513% | 1,822 |
| Loan and lease loss provision to assets | 0.7104% | 116 |
| Net operating income to assets | 2.5845% | 149 |
| Return on assets (ROA) | 2.5845% | 153 |
| Pretax return on assets | 4.1248% | 75 |
| Return on Equity (ROE) | 23.9580% | 134 |
| Retained earnings to average equity (ytd only) | 23.9580% | 50 |
| Net charge-offs to loans | 0.6159% | 363 |
| Credit loss provision to net charge-offs | 123.4531% | 1,940 |
| Earnings coverage of net charge-offs (x) | 8.4031% | 2,822 |
| Efficiency ratio | 40.0908% | 6,130 |
| Assets per employee ($millions) | 4.9524% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 5,536 |
| Loan loss allowance to noncurrent loans | 570.3187% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 5,233 |
| Noncurrent loans to loans | 0.1388% | 5,077 |
| Net loans and leases to total assets | 92.4602% | 21 |
| Net loans and leases to deposits | 105.4439% | 386 |
| Net loans and leases to core deposits | 444.6467% | 20 |
| Total domestic deposits to total assets | 87.6866% | 1,709 |
| Equity capital to assets | 10.8229% | 3,219 |
| Core capital (leverage) ratio | 11.2913% | 2,206 |
| Tier 1 risk-based capital ratio | 11.3499% | 5,459 |
| Total risk-based capital ratio | 12.1246% | 5,642 |
| Memoranda: | ||
| Average total assets | $1,070,984,500 | 660 |
| Average earning assets | $1,042,834,750 | 622 |
| Average equity | $115,532,750 | 670 |
| Average total loans | $1,000,634,500 | 481 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2718% | 28 |
| Cost of funding earning assets | 1.1100% | 92 |
| Net interest margin | 8.1618% | 29 |
| Noninterest income to average assets | 0.2125% | 5,421 |
| Noninterest expense to average assets | 3.1989% | 1,985 |
| Loan and lease loss provision to assets | 0.6752% | 127 |
| Net operating income to assets | 2.6593% | 139 |
| Return on assets (ROA) | 2.6593% | 145 |
| Pretax return on assets | 4.2723% | 71 |
| Return on Equity (ROE) | 24.6819% | 124 |
| Retained earnings to average equity (ytd only) | 24.6819% | 46 |
| Net charge-offs to loans | 0.6231% | 373 |
| Credit loss provision to net charge-offs | 115.8746% | 1,858 |
| Earnings coverage of net charge-offs (x) | 8.4911% | 2,560 |
| Efficiency ratio | 39.1497% | 6,219 |
| Assets per employee ($millions) | 4.5524% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 5,603 |
| Loan loss allowance to noncurrent loans | 582.8467% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,340 |
| Noncurrent loans to loans | 0.1373% | 5,194 |
| Net loans and leases to total assets | 93.3276% | 13 |
| Net loans and leases to deposits | 107.0516% | 335 |
| Net loans and leases to core deposits | 448.5205% | 21 |
| Total domestic deposits to total assets | 87.1801% | 2,066 |
| Equity capital to assets | 11.2215% | 2,652 |
| Core capital (leverage) ratio | 11.4042% | 2,069 |
| Tier 1 risk-based capital ratio | 11.6218% | 5,391 |
| Total risk-based capital ratio | 12.4023% | 5,563 |
| Memoranda: | ||
| Average total assets | $1,040,045,000 | 676 |
| Average earning assets | $1,011,004,000 | 642 |
| Average equity | $112,058,000 | 694 |
| Average total loans | $972,631,670 | 489 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2706% | 25 |
| Cost of funding earning assets | 1.0854% | 107 |
| Net interest margin | 8.1852% | 29 |
| Noninterest income to average assets | 0.0179% | 6,297 |
| Noninterest expense to average assets | 3.1644% | 2,079 |
| Loan and lease loss provision to assets | 0.6600% | 140 |
| Net operating income to assets | 2.6244% | 121 |
| Return on assets (ROA) | 2.6244% | 132 |
| Pretax return on assets | 4.1911% | 84 |
| Return on Equity (ROE) | 24.8899% | 107 |
| Retained earnings to average equity (ytd only) | 24.8899% | 45 |
| Net charge-offs to loans | 0.6417% | 376 |
| Credit loss provision to net charge-offs | 110.3247% | 1,512 |
| Earnings coverage of net charge-offs (x) | 8.1091% | 2,109 |
| Efficiency ratio | 39.3574% | 6,278 |
| Assets per employee ($millions) | 4.9791% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 5,729 |
| Loan loss allowance to noncurrent loans | 651.7007% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,507 |
| Noncurrent loans to loans | 0.1207% | 5,340 |
| Net loans and leases to total assets | 92.0256% | 25 |
| Net loans and leases to deposits | 104.4293% | 354 |
| Net loans and leases to core deposits | 457.8793% | 21 |
| Total domestic deposits to total assets | 88.1224% | 1,747 |
| Equity capital to assets | 10.6562% | 3,362 |
| Core capital (leverage) ratio | 10.8113% | 2,612 |
| Tier 1 risk-based capital ratio | 11.2325% | 5,694 |
| Total risk-based capital ratio | 12.0024% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,029,718,000 | 681 |
| Average earning assets | $1,006,104,500 | 641 |
| Average equity | $108,574,000 | 708 |
| Average total loans | $959,992,500 | 489 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2778% | 25 |
| Cost of funding earning assets | 0.9992% | 231 |
| Net interest margin | 8.2786% | 31 |
| Noninterest income to average assets | 0.0335% | 6,328 |
| Noninterest expense to average assets | 3.2207% | 2,162 |
| Loan and lease loss provision to assets | 0.9488% | 124 |
| Net operating income to assets | 2.3880% | 173 |
| Return on assets (ROA) | 2.3880% | 175 |
| Pretax return on assets | 3.9278% | 73 |
| Return on Equity (ROE) | 21.5154% | 186 |
| Retained earnings to average equity (ytd only) | 21.5154% | 56 |
| Net charge-offs to loans | 0.6702% | 569 |
| Credit loss provision to net charge-offs | 152.3328% | 1,591 |
| Earnings coverage of net charge-offs (x) | 7.8299% | 2,969 |
| Efficiency ratio | 39.0390% | 6,411 |
| Assets per employee ($millions) | 5.1211% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,790 |
| Loan loss allowance to noncurrent loans | 601.8444% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,536 |
| Noncurrent loans to loans | 0.1319% | 5,370 |
| Net loans and leases to total assets | 92.9780% | 17 |
| Net loans and leases to deposits | 105.8715% | 363 |
| Net loans and leases to core deposits | 534.0118% | 19 |
| Total domestic deposits to total assets | 87.8215% | 1,861 |
| Equity capital to assets | 10.4273% | 3,578 |
| Core capital (leverage) ratio | 11.0334% | 2,377 |
| Tier 1 risk-based capital ratio | 10.8478% | 5,968 |
| Total risk-based capital ratio | 11.6245% | 6,098 |
| Memoranda: | ||
| Average total assets | $856,916,600 | 786 |
| Average earning assets | $834,679,800 | 735 |
| Average equity | $95,108,400 | 776 |
| Average total loans | $796,315,000 | 556 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4135% | 25 |
| Cost of funding earning assets | 0.9725% | 275 |
| Net interest margin | 8.4410% | 29 |
| Noninterest income to average assets | 0.0355% | 6,416 |
| Noninterest expense to average assets | 3.3334% | 1,835 |
| Loan and lease loss provision to assets | 0.8385% | 142 |
| Net operating income to assets | 2.5507% | 135 |
| Return on assets (ROA) | 2.5507% | 136 |
| Pretax return on assets | 4.0766% | 72 |
| Return on Equity (ROE) | 22.5614% | 172 |
| Retained earnings to average equity (ytd only) | 22.5614% | 48 |
| Net charge-offs to loans | 0.6273% | 575 |
| Credit loss provision to net charge-offs | 144.2173% | 1,636 |
| Earnings coverage of net charge-offs (x) | 8.4539% | 2,798 |
| Efficiency ratio | 39.6562% | 6,455 |
| Assets per employee ($millions) | 4.9003% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 6,018 |
| Loan loss allowance to noncurrent loans | 432.7373% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 5,548 |
| Noncurrent loans to loans | 0.1705% | 5,398 |
| Net loans and leases to total assets | 92.3971% | 21 |
| Net loans and leases to deposits | 105.7346% | 336 |
| Net loans and leases to core deposits | 554.3005% | 20 |
| Total domestic deposits to total assets | 87.3859% | 2,100 |
| Equity capital to assets | 10.9563% | 2,998 |
| Core capital (leverage) ratio | 11.5491% | 2,027 |
| Tier 1 risk-based capital ratio | 11.4369% | 5,818 |
| Total risk-based capital ratio | 12.1572% | 5,989 |
| Memoranda: | ||
| Average total assets | $818,932,000 | 829 |
| Average earning assets | $796,809,750 | 767 |
| Average equity | $92,586,500 | 799 |
| Average total loans | $759,014,250 | 576 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6251% | 25 |
| Cost of funding earning assets | 0.9708% | 292 |
| Net interest margin | 8.6543% | 31 |
| Noninterest income to average assets | 0.0374% | 6,473 |
| Noninterest expense to average assets | 3.4052% | 1,669 |
| Loan and lease loss provision to assets | 0.7835% | 160 |
| Net operating income to assets | 2.6689% | 120 |
| Return on assets (ROA) | 2.6689% | 121 |
| Pretax return on assets | 4.2553% | 73 |
| Return on Equity (ROE) | 23.3269% | 157 |
| Retained earnings to average equity (ytd only) | 23.3269% | 55 |
| Net charge-offs to loans | 0.6313% | 612 |
| Credit loss provision to net charge-offs | 134.1315% | 1,575 |
| Earnings coverage of net charge-offs (x) | 8.6260% | 2,467 |
| Efficiency ratio | 39.5585% | 6,531 |
| Assets per employee ($millions) | 4.7306% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 6,158 |
| Loan loss allowance to noncurrent loans | 512.6866% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,770 |
| Noncurrent loans to loans | 0.1384% | 5,591 |
| Net loans and leases to total assets | 91.8772% | 25 |
| Net loans and leases to deposits | 105.1470% | 330 |
| Net loans and leases to core deposits | 575.0880% | 21 |
| Total domestic deposits to total assets | 87.3798% | 2,259 |
| Equity capital to assets | 11.3732% | 2,532 |
| Core capital (leverage) ratio | 11.8969% | 1,720 |
| Tier 1 risk-based capital ratio | 11.9082% | 5,591 |
| Total risk-based capital ratio | 12.6000% | 5,827 |
| Memoranda: | ||
| Average total assets | $786,454,670 | 861 |
| Average earning assets | $763,941,330 | 801 |
| Average equity | $89,982,000 | 816 |
| Average total loans | $727,690,330 | 594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8529% | 23 |
| Cost of funding earning assets | 0.9752% | 305 |
| Net interest margin | 8.8777% | 25 |
| Noninterest income to average assets | 0.0363% | 6,522 |
| Noninterest expense to average assets | 3.3818% | 1,745 |
| Loan and lease loss provision to assets | 0.8772% | 132 |
| Net operating income to assets | 2.7589% | 116 |
| Return on assets (ROA) | 2.7589% | 122 |
| Pretax return on assets | 4.3904% | 75 |
| Return on Equity (ROE) | 24.0343% | 144 |
| Retained earnings to average equity (ytd only) | 24.0343% | 63 |
| Net charge-offs to loans | 0.6987% | 520 |
| Credit loss provision to net charge-offs | 135.6911% | 1,343 |
| Earnings coverage of net charge-offs (x) | 8.1480% | 2,054 |
| Efficiency ratio | 38.3204% | 6,615 |
| Assets per employee ($millions) | 4.3817% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 6,258 |
| Loan loss allowance to noncurrent loans | 572.9700% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 5,898 |
| Noncurrent loans to loans | 0.1253% | 5,733 |
| Net loans and leases to total assets | 92.3675% | 10 |
| Net loans and leases to deposits | 106.6011% | 225 |
| Net loans and leases to core deposits | 708.2457% | 20 |
| Total domestic deposits to total assets | 86.6477% | 3,013 |
| Equity capital to assets | 11.6684% | 2,126 |
| Core capital (leverage) ratio | 11.7191% | 1,821 |
| Tier 1 risk-based capital ratio | 12.1110% | 5,561 |
| Total risk-based capital ratio | 12.8101% | 5,830 |
| Memoranda: | ||
| Average total assets | $761,025,000 | 896 |
| Average earning assets | $738,341,500 | 841 |
| Average equity | $87,358,500 | 836 |
| Average total loans | $704,137,000 | 616 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1010% | 26 |
| Cost of funding earning assets | 1.0111% | 420 |
| Net interest margin | 9.0899% | 26 |
| Noninterest income to average assets | 0.0322% | 6,590 |
| Noninterest expense to average assets | 3.5277% | 1,597 |
| Loan and lease loss provision to assets | 0.5675% | 457 |
| Net operating income to assets | 2.9054% | 115 |
| Return on assets (ROA) | 2.9054% | 114 |
| Pretax return on assets | 4.6382% | 61 |
| Return on Equity (ROE) | 24.6170% | 134 |
| Retained earnings to average equity (ytd only) | 24.6170% | 49 |
| Net charge-offs to loans | 0.6429% | 1,008 |
| Credit loss provision to net charge-offs | 96.0815% | 2,603 |
| Earnings coverage of net charge-offs (x) | 8.8131% | 2,603 |
| Efficiency ratio | 39.6050% | 6,695 |
| Assets per employee ($millions) | 4.3154% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6821% | 6,367 |
| Loan loss allowance to noncurrent loans | 527.6596% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 5,973 |
| Noncurrent loans to loans | 0.1293% | 5,816 |
| Net loans and leases to total assets | 91.3729% | 26 |
| Net loans and leases to deposits | 105.2381% | 288 |
| Net loans and leases to core deposits | 686.9656% | 19 |
| Total domestic deposits to total assets | 86.8249% | 2,819 |
| Equity capital to assets | 11.2846% | 2,357 |
| Core capital (leverage) ratio | 11.8340% | 1,731 |
| Tier 1 risk-based capital ratio | 11.8048% | 5,738 |
| Total risk-based capital ratio | 12.4682% | 6,015 |
| Memoranda: | ||
| Average total assets | $639,433,200 | 1,045 |
| Average earning assets | $612,085,000 | 998 |
| Average equity | $75,468,200 | 947 |
| Average total loans | $587,534,000 | 708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3777% | 25 |
| Cost of funding earning assets | 1.0224% | 441 |
| Net interest margin | 9.3553% | 26 |
| Noninterest income to average assets | 0.0336% | 6,670 |
| Noninterest expense to average assets | 3.6478% | 1,328 |
| Loan and lease loss provision to assets | 0.5773% | 431 |
| Net operating income to assets | 2.9669% | 115 |
| Return on assets (ROA) | 2.9669% | 115 |
| Pretax return on assets | 4.7276% | 58 |
| Return on Equity (ROE) | 24.8044% | 124 |
| Retained earnings to average equity (ytd only) | 24.8044% | 50 |
| Net charge-offs to loans | 0.6663% | 907 |
| Credit loss provision to net charge-offs | 94.3356% | 2,523 |
| Earnings coverage of net charge-offs (x) | 8.6687% | 2,593 |
| Efficiency ratio | 39.9854% | 6,753 |
| Assets per employee ($millions) | 4.1698% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 6,319 |
| Loan loss allowance to noncurrent loans | 620.1847% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 6,094 |
| Noncurrent loans to loans | 0.1258% | 5,946 |
| Net loans and leases to total assets | 89.5960% | 48 |
| Net loans and leases to deposits | 103.8380% | 300 |
| Net loans and leases to core deposits | 732.3002% | 21 |
| Total domestic deposits to total assets | 86.2844% | 3,086 |
| Equity capital to assets | 11.9555% | 1,945 |
| Core capital (leverage) ratio | 12.6296% | 1,357 |
| Tier 1 risk-based capital ratio | 12.6742% | 5,342 |
| Total risk-based capital ratio | 13.4307% | 5,598 |
| Memoranda: | ||
| Average total assets | $611,571,750 | 1,096 |
| Average earning assets | $583,054,000 | 1,055 |
| Average equity | $73,151,750 | 985 |
| Average total loans | $561,714,500 | 742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8439% | 18 |
| Cost of funding earning assets | 1.0560% | 418 |
| Net interest margin | 9.7879% | 20 |
| Noninterest income to average assets | 0.0351% | 6,711 |
| Noninterest expense to average assets | 3.6531% | 1,325 |
| Loan and lease loss provision to assets | 0.5322% | 502 |
| Net operating income to assets | 3.2221% | 101 |
| Return on assets (ROA) | 3.2221% | 103 |
| Pretax return on assets | 5.1339% | 57 |
| Return on Equity (ROE) | 26.9325% | 98 |
| Retained earnings to average equity (ytd only) | 26.9325% | 44 |
| Net charge-offs to loans | 0.7020% | 931 |
| Credit loss provision to net charge-offs | 82.0166% | 2,589 |
| Earnings coverage of net charge-offs (x) | 8.7323% | 2,371 |
| Efficiency ratio | 38.4576% | 6,821 |
| Assets per employee ($millions) | 3.7809% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,311 |
| Loan loss allowance to noncurrent loans | 733.9837% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,182 |
| Noncurrent loans to loans | 0.1121% | 6,059 |
| Net loans and leases to total assets | 92.8038% | 12 |
| Net loans and leases to deposits | 108.8966% | 164 |
| Net loans and leases to core deposits | 717.6094% | 22 |
| Total domestic deposits to total assets | 85.2219% | 3,782 |
| Equity capital to assets | 12.9187% | 1,374 |
| Core capital (leverage) ratio | 12.7223% | 1,277 |
| Tier 1 risk-based capital ratio | 13.2540% | 4,957 |
| Total risk-based capital ratio | 14.0507% | 5,221 |
| Memoranda: | ||
| Average total assets | $593,037,330 | 1,133 |
| Average earning assets | $562,509,330 | 1,087 |
| Average equity | $70,947,670 | 1,015 |
| Average total loans | $548,131,670 | 758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6433% | 21 |
| Cost of funding earning assets | 1.0581% | 457 |
| Net interest margin | 9.5851% | 22 |
| Noninterest income to average assets | 0.0335% | 6,785 |
| Noninterest expense to average assets | 3.4707% | 1,680 |
| Loan and lease loss provision to assets | 0.4593% | 611 |
| Net operating income to assets | 3.2340% | 90 |
| Return on assets (ROA) | 3.2340% | 95 |
| Pretax return on assets | 5.1296% | 60 |
| Return on Equity (ROE) | 28.1360% | 92 |
| Retained earnings to average equity (ytd only) | 28.1360% | 52 |
| Net charge-offs to loans | 0.6934% | 886 |
| Credit loss provision to net charge-offs | 72.1053% | 2,261 |
| Earnings coverage of net charge-offs (x) | 8.7737% | 1,914 |
| Efficiency ratio | 37.5472% | 6,909 |
| Assets per employee ($millions) | 4.1339% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 6,385 |
| Loan loss allowance to noncurrent loans | 730.5246% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 6,263 |
| Noncurrent loans to loans | 0.1152% | 6,128 |
| Net loans and leases to total assets | 91.6040% | 19 |
| Net loans and leases to deposits | 105.9558% | 197 |
| Net loans and leases to core deposits | 760.3454% | 23 |
| Total domestic deposits to total assets | 86.4549% | 3,269 |
| Equity capital to assets | 12.0067% | 2,039 |
| Core capital (leverage) ratio | 11.8562% | 1,654 |
| Tier 1 risk-based capital ratio | 12.4769% | 5,591 |
| Total risk-based capital ratio | 13.2929% | 5,844 |
| Memoranda: | ||
| Average total assets | $596,535,000 | 1,134 |
| Average earning assets | $561,745,500 | 1,099 |
| Average equity | $68,567,000 | 1,062 |
| Average total loans | $548,006,000 | 762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7236% | 23 |
| Cost of funding earning assets | 1.2047% | 563 |
| Net interest margin | 9.5189% | 24 |
| Noninterest income to average assets | 0.0391% | 6,727 |
| Noninterest expense to average assets | 3.5824% | 1,651 |
| Loan and lease loss provision to assets | 0.7709% | 643 |
| Net operating income to assets | 2.7875% | 112 |
| Return on assets (ROA) | 2.7875% | 120 |
| Pretax return on assets | 4.4860% | 63 |
| Return on Equity (ROE) | 26.2257% | 98 |
| Retained earnings to average equity (ytd only) | 26.2257% | 25 |
| Net charge-offs to loans | 0.8386% | 1,380 |
| Credit loss provision to net charge-offs | 100.1180% | 3,027 |
| Earnings coverage of net charge-offs (x) | 6.8268% | 2,727 |
| Efficiency ratio | 39.6835% | 6,934 |
| Assets per employee ($millions) | 4.2994% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 6,299 |
| Loan loss allowance to noncurrent loans | 626.4175% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 6,247 |
| Noncurrent loans to loans | 0.1411% | 6,132 |
| Net loans and leases to total assets | 90.5501% | 35 |
| Net loans and leases to deposits | 103.3859% | 287 |
| Net loans and leases to core deposits | 997.8178% | 22 |
| Total domestic deposits to total assets | 87.5845% | 2,486 |
| Equity capital to assets | 10.9908% | 2,963 |
| Core capital (leverage) ratio | 11.3905% | 1,942 |
| Tier 1 risk-based capital ratio | 11.5231% | 6,085 |
| Total risk-based capital ratio | 12.3804% | 6,267 |
| Memoranda: | ||
| Average total assets | $550,494,800 | 1,218 |
| Average earning assets | $508,934,600 | 1,190 |
| Average equity | $58,511,200 | 1,213 |
| Average total loans | $505,457,000 | 820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6737% | 21 |
| Cost of funding earning assets | 1.2221% | 632 |
| Net interest margin | 9.4516% | 23 |
| Noninterest income to average assets | 0.0422% | 6,827 |
| Noninterest expense to average assets | 3.6199% | 1,524 |
| Loan and lease loss provision to assets | 0.6386% | 829 |
| Net operating income to assets | 2.8554% | 117 |
| Return on assets (ROA) | 2.8554% | 122 |
| Pretax return on assets | 4.5316% | 68 |
| Return on Equity (ROE) | 27.1230% | 108 |
| Retained earnings to average equity (ytd only) | 27.1230% | 42 |
| Net charge-offs to loans | 0.8196% | 1,338 |
| Credit loss provision to net charge-offs | 84.7318% | 3,470 |
| Earnings coverage of net charge-offs (x) | 6.8601% | 2,698 |
| Efficiency ratio | 40.3132% | 7,010 |
| Assets per employee ($millions) | 4.1291% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 6,512 |
| Loan loss allowance to noncurrent loans | 597.5510% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 6,388 |
| Noncurrent loans to loans | 0.1419% | 6,248 |
| Net loans and leases to total assets | 91.4475% | 28 |
| Net loans and leases to deposits | 105.3038% | 252 |
| Net loans and leases to core deposits | 1,151.1028% | 21 |
| Total domestic deposits to total assets | 86.8416% | 2,773 |
| Equity capital to assets | 11.0986% | 3,153 |
| Core capital (leverage) ratio | 11.2308% | 2,191 |
| Tier 1 risk-based capital ratio | 11.5009% | 6,229 |
| Total risk-based capital ratio | 12.3236% | 6,423 |
| Memoranda: | ||
| Average total assets | $537,638,750 | 1,255 |
| Average earning assets | $497,608,000 | 1,236 |
| Average equity | $56,600,000 | 1,260 |
| Average total loans | $494,346,500 | 837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6113% | 23 |
| Cost of funding earning assets | 1.2350% | 698 |
| Net interest margin | 9.3763% | 22 |
| Noninterest income to average assets | 0.0457% | 6,874 |
| Noninterest expense to average assets | 3.4256% | 1,968 |
| Loan and lease loss provision to assets | 0.6767% | 832 |
| Net operating income to assets | 2.8988% | 110 |
| Return on assets (ROA) | 2.8988% | 115 |
| Pretax return on assets | 4.6123% | 67 |
| Return on Equity (ROE) | 28.0737% | 102 |
| Retained earnings to average equity (ytd only) | 28.0737% | 47 |
| Net charge-offs to loans | 0.8666% | 1,271 |
| Credit loss provision to net charge-offs | 85.0095% | 3,184 |
| Earnings coverage of net charge-offs (x) | 6.6447% | 2,603 |
| Efficiency ratio | 38.4202% | 7,088 |
| Assets per employee ($millions) | 4.0163% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 6,400 |
| Loan loss allowance to noncurrent loans | 915.3226% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 6,566 |
| Noncurrent loans to loans | 0.1010% | 6,413 |
| Net loans and leases to total assets | 92.4359% | 18 |
| Net loans and leases to deposits | 106.0200% | 234 |
| Net loans and leases to core deposits | 1,405.3836% | 21 |
| Total domestic deposits to total assets | 87.1872% | 2,660 |
| Equity capital to assets | 11.1165% | 2,997 |
| Core capital (leverage) ratio | 10.9554% | 2,346 |
| Tier 1 risk-based capital ratio | 11.2368% | 6,378 |
| Total risk-based capital ratio | 12.1246% | 6,534 |
| Memoranda: | ||
| Average total assets | $529,666,000 | 1,280 |
| Average earning assets | $489,703,000 | 1,258 |
| Average equity | $54,691,670 | 1,298 |
| Average total loans | $486,488,000 | 848 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6832% | 21 |
| Cost of funding earning assets | 1.2494% | 779 |
| Net interest margin | 9.4338% | 22 |
| Noninterest income to average assets | 0.0474% | 6,937 |
| Noninterest expense to average assets | 3.4059% | 1,996 |
| Loan and lease loss provision to assets | 0.5607% | 1,038 |
| Net operating income to assets | 2.9851% | 107 |
| Return on assets (ROA) | 2.9851% | 127 |
| Pretax return on assets | 4.7306% | 63 |
| Return on Equity (ROE) | 30.0489% | 102 |
| Retained earnings to average equity (ytd only) | 30.0489% | 55 |
| Net charge-offs to loans | 0.8202% | 1,252 |
| Credit loss provision to net charge-offs | 75.0252% | 2,821 |
| Earnings coverage of net charge-offs (x) | 7.0796% | 2,119 |
| Efficiency ratio | 38.2691% | 7,147 |
| Assets per employee ($millions) | 4.4259% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 6,402 |
| Loan loss allowance to noncurrent loans | 839.3443% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,626 |
| Noncurrent loans to loans | 0.1138% | 6,471 |
| Net loans and leases to total assets | 88.5272% | 65 |
| Net loans and leases to deposits | 100.2269% | 363 |
| Net loans and leases to core deposits | 1,921.8961% | 19 |
| Total domestic deposits to total assets | 88.3268% | 2,113 |
| Equity capital to assets | 10.1446% | 3,928 |
| Core capital (leverage) ratio | 10.0953% | 3,247 |
| Tier 1 risk-based capital ratio | 10.6147% | 6,706 |
| Total risk-based capital ratio | 11.5264% | 6,805 |
| Memoranda: | ||
| Average total assets | $531,434,000 | 1,273 |
| Average earning assets | $487,269,500 | 1,271 |
| Average equity | $52,794,000 | 1,343 |
| Average total loans | $484,295,500 | 851 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2997% | 28 |
| Cost of funding earning assets | 1.4869% | 750 |
| Net interest margin | 8.8128% | 26 |
| Noninterest income to average assets | 0.0740% | 6,739 |
| Noninterest expense to average assets | 3.6964% | 1,544 |
| Loan and lease loss provision to assets | 0.9244% | 1,037 |
| Net operating income to assets | 2.2875% | 194 |
| Return on assets (ROA) | 2.2875% | 205 |
| Pretax return on assets | 3.6718% | 86 |
| Return on Equity (ROE) | 23.1875% | 153 |
| Retained earnings to average equity (ytd only) | 23.1875% | 30 |
| Net charge-offs to loans | 0.9395% | 1,852 |
| Credit loss provision to net charge-offs | 106.0354% | 3,214 |
| Earnings coverage of net charge-offs (x) | 5.2722% | 2,845 |
| Efficiency ratio | 43.4867% | 7,137 |
| Assets per employee ($millions) | 4.3942% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,224 |
| Loan loss allowance to noncurrent loans | 726.9461% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 6,629 |
| Noncurrent loans to loans | 0.1375% | 6,468 |
| Net loans and leases to total assets | 92.0077% | 24 |
| Net loans and leases to deposits | 104.0872% | 308 |
| Net loans and leases to core deposits | 3,084.4531% | 17 |
| Total domestic deposits to total assets | 88.3948% | 1,910 |
| Equity capital to assets | 9.7171% | 4,569 |
| Core capital (leverage) ratio | 9.9405% | 3,403 |
| Tier 1 risk-based capital ratio | 9.7962% | 6,904 |
| Total risk-based capital ratio | 10.7557% | 6,955 |
| Memoranda: | ||
| Average total assets | $454,249,200 | 1,445 |
| Average earning assets | $423,622,800 | 1,422 |
| Average equity | $44,813,000 | 1,515 |
| Average total loans | $421,500,600 | 997 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3808% | 28 |
| Cost of funding earning assets | 1.5456% | 730 |
| Net interest margin | 8.8352% | 28 |
| Noninterest income to average assets | 0.0839% | 6,822 |
| Noninterest expense to average assets | 3.6758% | 1,550 |
| Loan and lease loss provision to assets | 0.9981% | 865 |
| Net operating income to assets | 2.2857% | 215 |
| Return on assets (ROA) | 2.2857% | 232 |
| Pretax return on assets | 3.6474% | 100 |
| Return on Equity (ROE) | 23.0654% | 187 |
| Retained earnings to average equity (ytd only) | 23.0654% | 46 |
| Net charge-offs to loans | 1.0160% | 1,585 |
| Credit loss provision to net charge-offs | 105.9242% | 3,128 |
| Earnings coverage of net charge-offs (x) | 4.9301% | 2,918 |
| Efficiency ratio | 43.0441% | 7,175 |
| Assets per employee ($millions) | 4.1496% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,957 |
| Loan loss allowance to noncurrent loans | 869.5652% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 6,763 |
| Noncurrent loans to loans | 0.1243% | 6,626 |
| Net loans and leases to total assets | 92.0426% | 20 |
| Net loans and leases to deposits | 103.9666% | 320 |
| Net loans and leases to core deposits | 3,468.3591% | 18 |
| Total domestic deposits to total assets | 88.5309% | 1,739 |
| Equity capital to assets | 9.8308% | 4,581 |
| Core capital (leverage) ratio | 9.9495% | 3,507 |
| Tier 1 risk-based capital ratio | 9.8552% | 6,991 |
| Total risk-based capital ratio | 10.8930% | 7,031 |
| Memoranda: | ||
| Average total assets | $437,085,250 | 1,505 |
| Average earning assets | $407,510,500 | 1,481 |
| Average equity | $43,313,500 | 1,563 |
| Average total loans | $405,383,500 | 1,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7458% | 29 |
| Cost of funding earning assets | 1.5926% | 713 |
| Net interest margin | 9.1532% | 30 |
| Noninterest income to average assets | 0.1001% | 6,823 |
| Noninterest expense to average assets | 3.8385% | 1,298 |
| Loan and lease loss provision to assets | 0.9247% | 962 |
| Net operating income to assets | 2.4125% | 184 |
| Return on assets (ROA) | 2.4125% | 190 |
| Pretax return on assets | 3.8606% | 100 |
| Return on Equity (ROE) | 24.2724% | 153 |
| Retained earnings to average equity (ytd only) | 24.2724% | 55 |
| Net charge-offs to loans | 1.0487% | 1,500 |
| Credit loss provision to net charge-offs | 95.1895% | 3,302 |
| Earnings coverage of net charge-offs (x) | 4.9261% | 2,736 |
| Efficiency ratio | 43.3826% | 7,260 |
| Assets per employee ($millions) | 3.9312% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 5,862 |
| Loan loss allowance to noncurrent loans | 850.8475% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 6,789 |
| Noncurrent loans to loans | 0.1319% | 6,647 |
| Net loans and leases to total assets | 91.2406% | 29 |
| Net loans and leases to deposits | 103.3797% | 338 |
| Net loans and leases to core deposits | 6,156.5332% | 16 |
| Total domestic deposits to total assets | 88.2578% | 1,990 |
| Equity capital to assets | 10.2050% | 3,873 |
| Core capital (leverage) ratio | 10.1557% | 3,085 |
| Tier 1 risk-based capital ratio | 10.2407% | 6,902 |
| Total risk-based capital ratio | 11.3144% | 6,946 |
| Memoranda: | ||
| Average total assets | $423,711,670 | 1,563 |
| Average earning assets | $394,571,000 | 1,534 |
| Average equity | $42,113,670 | 1,588 |
| Average total loans | $392,500,330 | 1,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4166% | 26 |
| Cost of funding earning assets | 1.6186% | 764 |
| Net interest margin | 9.7980% | 29 |
| Noninterest income to average assets | 0.1054% | 6,881 |
| Noninterest expense to average assets | 3.7366% | 1,467 |
| Loan and lease loss provision to assets | 0.9631% | 813 |
| Net operating income to assets | 2.8463% | 124 |
| Return on assets (ROA) | 2.8463% | 126 |
| Pretax return on assets | 4.5426% | 87 |
| Return on Equity (ROE) | 29.0429% | 95 |
| Retained earnings to average equity (ytd only) | 29.0429% | 65 |
| Net charge-offs to loans | 1.1739% | 1,186 |
| Credit loss provision to net charge-offs | 88.3905% | 2,965 |
| Earnings coverage of net charge-offs (x) | 5.0528% | 2,343 |
| Efficiency ratio | 39.3613% | 7,403 |
| Assets per employee ($millions) | 4.2921% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,832 |
| Loan loss allowance to noncurrent loans | 898.1781% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 6,878 |
| Noncurrent loans to loans | 0.1284% | 6,726 |
| Net loans and leases to total assets | 89.5083% | 52 |
| Net loans and leases to deposits | 100.9280% | 421 |
| Net loans and leases to core deposits | 31,827.3640% | 8 |
| Total domestic deposits to total assets | 88.6853% | 1,967 |
| Equity capital to assets | 9.9763% | 3,805 |
| Core capital (leverage) ratio | 9.6420% | 3,606 |
| Tier 1 risk-based capital ratio | 10.1266% | 6,962 |
| Total risk-based capital ratio | 11.2265% | 7,014 |
| Memoranda: | ||
| Average total assets | $417,384,500 | 1,594 |
| Average earning assets | $389,222,000 | 1,558 |
| Average equity | $40,905,000 | 1,631 |
| Average total loans | $387,420,000 | 1,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5607% | 29 |
| Cost of funding earning assets | 1.9617% | 694 |
| Net interest margin | 9.5989% | 32 |
| Noninterest income to average assets | 0.0342% | 7,179 |
| Noninterest expense to average assets | 3.7969% | 1,495 |
| Loan and lease loss provision to assets | 1.0781% | 1,487 |
| Net operating income to assets | 2.6782% | 97 |
| Return on assets (ROA) | 2.6782% | 99 |
| Pretax return on assets | 4.2366% | 66 |
| Return on Equity (ROE) | 29.0913% | 47 |
| Retained earnings to average equity (ytd only) | 29.0913% | 15 |
| Net charge-offs to loans | 1.4559% | 1,520 |
| Credit loss provision to net charge-offs | 78.1216% | 5,630 |
| Earnings coverage of net charge-offs (x) | 3.8512% | 3,164 |
| Efficiency ratio | 41.3288% | 7,484 |
| Assets per employee ($millions) | 4.2693% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,592 |
| Loan loss allowance to noncurrent loans | 770.7846% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 6,865 |
| Noncurrent loans to loans | 0.1536% | 6,761 |
| Net loans and leases to total assets | 94.0461% | 12 |
| Net loans and leases to deposits | 105.8469% | 327 |
| Net loans and leases to core deposits | -77,399.3976% | 7,639 |
| Total domestic deposits to total assets | 88.8511% | 1,745 |
| Equity capital to assets | 9.6179% | 4,249 |
| Core capital (leverage) ratio | 10.0431% | 3,040 |
| Tier 1 risk-based capital ratio | 9.3784% | 7,168 |
| Total risk-based capital ratio | 10.5246% | 7,193 |
| Memoranda: | ||
| Average total assets | $330,219,600 | 1,970 |
| Average earning assets | $312,274,000 | 1,905 |
| Average equity | $30,400,800 | 2,147 |
| Average total loans | $313,002,400 | 1,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9808% | 30 |
| Cost of funding earning assets | 2.0813% | 575 |
| Net interest margin | 9.8994% | 30 |
| Noninterest income to average assets | 0.0223% | 7,388 |
| Noninterest expense to average assets | 3.7712% | 1,427 |
| Loan and lease loss provision to assets | 1.3612% | 997 |
| Net operating income to assets | 2.6996% | 111 |
| Return on assets (ROA) | 2.6996% | 116 |
| Pretax return on assets | 4.2253% | 68 |
| Return on Equity (ROE) | 29.7628% | 54 |
| Retained earnings to average equity (ytd only) | 29.7628% | 19 |
| Net charge-offs to loans | 1.6137% | 1,218 |
| Credit loss provision to net charge-offs | 89.1139% | 4,805 |
| Earnings coverage of net charge-offs (x) | 3.6574% | 3,348 |
| Efficiency ratio | 40.3003% | 7,575 |
| Assets per employee ($millions) | 4.1682% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 3,722 |
| Loan loss allowance to noncurrent loans | 1,020.8984% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 6,995 |
| Noncurrent loans to loans | 0.1521% | 6,871 |
| Net loans and leases to total assets | 92.4313% | 24 |
| Net loans and leases to deposits | 103.6144% | 451 |
| Net loans and leases to core deposits | -66,532.9317% | 7,744 |
| Total domestic deposits to total assets | 89.2070% | 1,281 |
| Equity capital to assets | 9.1663% | 5,357 |
| Core capital (leverage) ratio | 9.7604% | 3,536 |
| Tier 1 risk-based capital ratio | 9.4727% | 7,259 |
| Total risk-based capital ratio | 10.7257% | 7,260 |
| Memoranda: | ||
| Average total assets | $310,311,750 | 2,129 |
| Average earning assets | $292,628,750 | 2,056 |
| Average equity | $28,146,250 | 2,333 |
| Average total loans | $293,736,500 | 1,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0072% | 30 |
| Cost of funding earning assets | 2.1632% | 518 |
| Net interest margin | 9.8440% | 30 |
| Noninterest income to average assets | 0.0231% | 7,455 |
| Noninterest expense to average assets | 3.7083% | 1,545 |
| Loan and lease loss provision to assets | 1.6591% | 772 |
| Net operating income to assets | 2.5216% | 133 |
| Return on assets (ROA) | 2.5216% | 137 |
| Pretax return on assets | 3.9530% | 75 |
| Return on Equity (ROE) | 27.9203% | 74 |
| Retained earnings to average equity (ytd only) | 27.9203% | 29 |
| Net charge-offs to loans | 1.8178% | 1,024 |
| Credit loss provision to net charge-offs | 96.1024% | 4,232 |
| Earnings coverage of net charge-offs (x) | 3.2508% | 3,396 |
| Efficiency ratio | 39.7871% | 7,649 |
| Assets per employee ($millions) | 4.0169% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 2,634 |
| Loan loss allowance to noncurrent loans | 990.1257% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 6,943 |
| Noncurrent loans to loans | 0.1848% | 6,885 |
| Net loans and leases to total assets | 94.4345% | 10 |
| Net loans and leases to deposits | 105.4691% | 419 |
| Net loans and leases to core deposits | 2,762.4218% | 22 |
| Total domestic deposits to total assets | 89.5376% | 1,155 |
| Equity capital to assets | 9.0275% | 5,404 |
| Core capital (leverage) ratio | 9.5605% | 3,729 |
| Tier 1 risk-based capital ratio | 9.1448% | 7,386 |
| Total risk-based capital ratio | 10.4012% | 7,382 |
| Memoranda: | ||
| Average total assets | $294,260,670 | 2,241 |
| Average earning assets | $277,916,670 | 2,172 |
| Average equity | $26,575,670 | 2,441 |
| Average total loans | $279,461,670 | 1,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4760% | 30 |
| Cost of funding earning assets | 2.2063% | 579 |
| Net interest margin | 10.2696% | 33 |
| Noninterest income to average assets | 0.0253% | 7,582 |
| Noninterest expense to average assets | 3.7088% | 1,498 |
| Loan and lease loss provision to assets | 0.9469% | 1,329 |
| Net operating income to assets | 3.2199% | 80 |
| Return on assets (ROA) | 3.2199% | 86 |
| Pretax return on assets | 4.9886% | 55 |
| Return on Equity (ROE) | 35.6440% | 48 |
| Retained earnings to average equity (ytd only) | 35.6440% | 38 |
| Net charge-offs to loans | 1.6775% | 1,032 |
| Credit loss provision to net charge-offs | 59.8579% | 4,306 |
| Earnings coverage of net charge-offs (x) | 3.7522% | 2,798 |
| Efficiency ratio | 38.4559% | 7,766 |
| Assets per employee ($millions) | 4.0818% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 2,501 |
| Loan loss allowance to noncurrent loans | 787.9020% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 6,886 |
| Noncurrent loans to loans | 0.2389% | 6,863 |
| Net loans and leases to total assets | 93.8557% | 17 |
| Net loans and leases to deposits | 111.6458% | 258 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 84.0656% | 4,114 |
| Equity capital to assets | 9.4030% | 4,673 |
| Core capital (leverage) ratio | 9.4405% | 3,867 |
| Tier 1 risk-based capital ratio | 9.5711% | 7,266 |
| Total risk-based capital ratio | 10.8282% | 7,255 |
| Memoranda: | ||
| Average total assets | $284,730,500 | 2,351 |
| Average earning assets | $266,689,000 | 2,306 |
| Average equity | $25,721,000 | 2,542 |
| Average total loans | $268,493,500 | 1,749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9425% | 27 |
| Cost of funding earning assets | 3.0411% | 203 |
| Net interest margin | 8.9014% | 31 |
| Noninterest income to average assets | 0.0581% | 7,466 |
| Noninterest expense to average assets | 3.8405% | 1,615 |
| Loan and lease loss provision to assets | 2.9735% | 585 |
| Net operating income to assets | 0.9903% | 1,868 |
| Return on assets (ROA) | 0.9903% | 1,919 |
| Pretax return on assets | 1.5919% | 980 |
| Return on Equity (ROE) | 10.4240% | 1,573 |
| Retained earnings to average equity (ytd only) | 10.4240% | 330 |
| Net charge-offs to loans | 2.1423% | 1,130 |
| Credit loss provision to net charge-offs | 148.5274% | 3,143 |
| Earnings coverage of net charge-offs (x) | 2.2805% | 4,018 |
| Efficiency ratio | 45.6879% | 7,728 |
| Assets per employee ($millions) | 4.1726% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 1,775 |
| Loan loss allowance to noncurrent loans | 863.6923% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 6,892 |
| Noncurrent loans to loans | 0.2465% | 6,807 |
| Net loans and leases to total assets | 90.9503% | 63 |
| Net loans and leases to deposits | 120.0232% | 174 |
| Net loans and leases to core deposits | 120.3029% | 1,928 |
| Total domestic deposits to total assets | 75.7773% | 6,726 |
| Equity capital to assets | 8.6613% | 5,641 |
| Core capital (leverage) ratio | 9.3739% | 3,867 |
| Tier 1 risk-based capital ratio | 9.0577% | 7,446 |
| Total risk-based capital ratio | 10.3179% | 7,462 |
| Memoranda: | ||
| Average total assets | $223,879,200 | 2,890 |
| Average earning assets | $209,955,800 | 2,836 |
| Average equity | $21,268,200 | 3,043 |
| Average total loans | $209,217,600 | 2,209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0625% | 27 |
| Cost of funding earning assets | 3.3264% | 121 |
| Net interest margin | 8.7361% | 33 |
| Noninterest income to average assets | 0.0657% | 7,582 |
| Noninterest expense to average assets | 3.9428% | 1,364 |
| Loan and lease loss provision to assets | 3.6294% | 355 |
| Net operating income to assets | 0.4742% | 4,097 |
| Return on assets (ROA) | 0.4742% | 4,198 |
| Pretax return on assets | 0.7282% | 3,764 |
| Return on Equity (ROE) | 4.8462% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.8462% | 2,583 |
| Net charge-offs to loans | 2.2855% | 826 |
| Credit loss provision to net charge-offs | 169.6093% | 2,751 |
| Earnings coverage of net charge-offs (x) | 2.0364% | 4,296 |
| Efficiency ratio | 47.5012% | 7,687 |
| Assets per employee ($millions) | 3.5134% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 1,000 |
| Loan loss allowance to noncurrent loans | 1,214.7059% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 7,031 |
| Noncurrent loans to loans | 0.2115% | 6,970 |
| Net loans and leases to total assets | 91.7936% | 61 |
| Net loans and leases to deposits | 133.8015% | 88 |
| Net loans and leases to core deposits | 134.2109% | 1,196 |
| Total domestic deposits to total assets | 68.6043% | 7,528 |
| Equity capital to assets | 9.0418% | 5,425 |
| Core capital (leverage) ratio | 9.6918% | 3,656 |
| Tier 1 risk-based capital ratio | 9.2793% | 7,498 |
| Total risk-based capital ratio | 10.5448% | 7,484 |
| Memoranda: | ||
| Average total assets | $208,915,500 | 3,098 |
| Average earning assets | $196,924,250 | 3,030 |
| Average equity | $20,441,500 | 3,175 |
| Average total loans | $195,604,250 | 2,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9873% | 28 |
| Cost of funding earning assets | 3.6134% | 76 |
| Net interest margin | 8.3739% | 36 |
| Noninterest income to average assets | 0.0704% | 7,634 |
| Noninterest expense to average assets | 4.1344% | 1,149 |
| Loan and lease loss provision to assets | 3.4688% | 416 |
| Net operating income to assets | 0.2725% | 5,005 |
| Return on assets (ROA) | 0.2725% | 5,105 |
| Pretax return on assets | 0.4012% | 4,933 |
| Return on Equity (ROE) | 2.7026% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.7026% | 3,827 |
| Net charge-offs to loans | 2.2210% | 820 |
| Credit loss provision to net charge-offs | 167.2322% | 2,746 |
| Earnings coverage of net charge-offs (x) | 1.8657% | 4,172 |
| Efficiency ratio | 51.6518% | 7,540 |
| Assets per employee ($millions) | 3.2323% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4897% | 910 |
| Loan loss allowance to noncurrent loans | 1,085.6502% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 6,954 |
| Noncurrent loans to loans | 0.2293% | 6,933 |
| Net loans and leases to total assets | 93.1254% | 39 |
| Net loans and leases to deposits | 117.9189% | 280 |
| Net loans and leases to core deposits | 118.2867% | 2,523 |
| Total domestic deposits to total assets | 78.9741% | 5,823 |
| Equity capital to assets | 10.3764% | 3,542 |
| Core capital (leverage) ratio | 9.7852% | 3,538 |
| Tier 1 risk-based capital ratio | 9.4621% | 7,424 |
| Total risk-based capital ratio | 10.7264% | 7,367 |
| Memoranda: | ||
| Average total assets | $198,916,670 | 3,239 |
| Average earning assets | $188,466,670 | 3,158 |
| Average equity | $20,054,670 | 3,233 |
| Average total loans | $185,776,330 | 2,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1754% | 28 |
| Cost of funding earning assets | 3.8645% | 48 |
| Net interest margin | 8.3109% | 40 |
| Noninterest income to average assets | 0.0672% | 7,731 |
| Noninterest expense to average assets | 4.0640% | 1,108 |
| Loan and lease loss provision to assets | 2.9854% | 364 |
| Net operating income to assets | 0.6431% | 3,828 |
| Return on assets (ROA) | 0.6431% | 4,010 |
| Pretax return on assets | 0.8954% | 3,737 |
| Return on Equity (ROE) | 6.4764% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.4764% | 2,426 |
| Net charge-offs to loans | 2.1033% | 689 |
| Credit loss provision to net charge-offs | 153.7736% | 2,721 |
| Earnings coverage of net charge-offs (x) | 1.9990% | 3,726 |
| Efficiency ratio | 51.1527% | 7,494 |
| Assets per employee ($millions) | 3.3567% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,052 |
| Loan loss allowance to noncurrent loans | 900.4515% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,846 |
| Noncurrent loans to loans | 0.2474% | 6,831 |
| Net loans and leases to total assets | 89.9086% | 139 |
| Net loans and leases to deposits | 113.4822% | 465 |
| Net loans and leases to core deposits | 113.8512% | 3,021 |
| Total domestic deposits to total assets | 79.2271% | 5,634 |
| Equity capital to assets | 10.1058% | 3,880 |
| Core capital (leverage) ratio | 9.1294% | 4,502 |
| Tier 1 risk-based capital ratio | 9.5814% | 7,361 |
| Total risk-based capital ratio | 10.8425% | 7,283 |
| Memoranda: | ||
| Average total assets | $196,557,500 | 3,279 |
| Average earning assets | $186,310,500 | 3,206 |
| Average equity | $19,517,000 | 3,341 |
| Average total loans | $181,425,500 | 2,575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5417% | 36 |
| Cost of funding earning assets | 4.3917% | 24 |
| Net interest margin | 7.1500% | 54 |
| Noninterest income to average assets | 0.0662% | 7,818 |
| Noninterest expense to average assets | 3.9386% | 1,504 |
| Loan and lease loss provision to assets | 2.1992% | 524 |
| Net operating income to assets | 0.4866% | 4,801 |
| Return on assets (ROA) | 0.4866% | 4,623 |
| Pretax return on assets | 0.8210% | 3,989 |
| Return on Equity (ROE) | 4.8146% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.8146% | 2,136 |
| Net charge-offs to loans | 1.4461% | 806 |
| Credit loss provision to net charge-offs | 162.9359% | 3,164 |
| Earnings coverage of net charge-offs (x) | 2.2376% | 4,960 |
| Efficiency ratio | 56.5990% | 6,926 |
| Assets per employee ($millions) | 3.4211% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 1,407 |
| Loan loss allowance to noncurrent loans | 827.1868% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,719 |
| Noncurrent loans to loans | 0.2301% | 6,695 |
| Net loans and leases to total assets | 90.8756% | 138 |
| Net loans and leases to deposits | 102.2524% | 1,560 |
| Net loans and leases to core deposits | 102.5431% | 4,544 |
| Total domestic deposits to total assets | 88.8738% | 1,094 |
| Equity capital to assets | 9.7564% | 4,358 |
| Core capital (leverage) ratio | 8.9968% | 4,744 |
| Tier 1 risk-based capital ratio | 9.2698% | 7,554 |
| Total risk-based capital ratio | 10.5270% | 7,470 |
| Memoranda: | ||
| Average total assets | $182,705,800 | 3,382 |
| Average earning assets | $176,126,200 | 3,242 |
| Average equity | $18,464,800 | 3,486 |
| Average total loans | $170,531,600 | 2,605 |