Home > 1st Financial Bank USA > Performance and Condition Ratios
1st Financial Bank USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5403% | 59 |
| Cost of funding earning assets | 3.2369% | 106 |
| Net interest margin | 11.3034% | 24 |
| Noninterest income to average assets | 4.0200% | 148 |
| Noninterest expense to average assets | 9.2107% | 120 |
| Loan and lease loss provision to assets | 1.7600% | 33 |
| Net operating income to assets | 2.1936% | 342 |
| Return on assets (ROA) | 2.1936% | 332 |
| Pretax return on assets | 2.9759% | 211 |
| Return on Equity (ROE) | 11.4900% | 2,097 |
| Retained earnings to average equity (ytd only) | 11.4894% | 701 |
| Net charge-offs to loans | 2.2724% | 38 |
| Credit loss provision to net charge-offs | 100.0638% | 1,836 |
| Earnings coverage of net charge-offs (x) | 2.6878% | 2,681 |
| Efficiency ratio | 65.3759% | 2,431 |
| Assets per employee ($millions) | 4.1009% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 374 |
| Loan loss allowance to noncurrent loans | 161.2410% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 512 |
| Noncurrent loans to loans | 1.2383% | 573 |
| Net loans and leases to total assets | 73.5400% | 1,417 |
| Net loans and leases to deposits | 100.1371% | 527 |
| Net loans and leases to core deposits | 319.0986% | 55 |
| Total domestic deposits to total assets | 73.4400% | 4,135 |
| Equity capital to assets | 18.8462% | 317 |
| Core capital (leverage) ratio | 18.5536% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5869% | 445 |
| Memoranda: | ||
| Average total assets | $1,157,712,600 | 877 |
| Average earning assets | $1,016,089,800 | 896 |
| Average equity | $221,039,000 | 497 |
| Average total loans | $896,746,600 | 793 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3197% | 56 |
| Cost of funding earning assets | 3.0130% | 114 |
| Net interest margin | 11.3067% | 22 |
| Noninterest income to average assets | 3.8600% | 159 |
| Noninterest expense to average assets | 8.4771% | 129 |
| Loan and lease loss provision to assets | 1.7800% | 37 |
| Net operating income to assets | 2.6432% | 234 |
| Return on assets (ROA) | 2.6432% | 230 |
| Pretax return on assets | 3.6140% | 147 |
| Return on Equity (ROE) | 13.8000% | 1,702 |
| Retained earnings to average equity (ytd only) | 13.7956% | 700 |
| Net charge-offs to loans | 2.1876% | 38 |
| Credit loss provision to net charge-offs | 104.3759% | 1,590 |
| Earnings coverage of net charge-offs (x) | 3.1542% | 2,446 |
| Efficiency ratio | 60.4233% | 2,917 |
| Assets per employee ($millions) | 4.3070% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 332 |
| Loan loss allowance to noncurrent loans | 156.3718% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 530 |
| Noncurrent loans to loans | 1.3559% | 558 |
| Net loans and leases to total assets | 71.6200% | 1,624 |
| Net loans and leases to deposits | 95.8236% | 764 |
| Net loans and leases to core deposits | 306.6412% | 16 |
| Total domestic deposits to total assets | 74.7500% | 4,107 |
| Equity capital to assets | 18.6360% | 322 |
| Core capital (leverage) ratio | 20.1169% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5521% | 365 |
| Memoranda: | ||
| Average total assets | $1,137,525,750 | 892 |
| Average earning assets | $1,007,092,000 | 903 |
| Average equity | $217,948,000 | 501 |
| Average total loans | $888,615,500 | 803 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6034% | 54 |
| Cost of funding earning assets | 2.9735% | 88 |
| Net interest margin | 11.6300% | 24 |
| Noninterest income to average assets | 4.8700% | 123 |
| Noninterest expense to average assets | 8.7920% | 122 |
| Loan and lease loss provision to assets | 1.7300% | 33 |
| Net operating income to assets | 3.3310% | 129 |
| Return on assets (ROA) | 3.3310% | 128 |
| Pretax return on assets | 4.5454% | 96 |
| Return on Equity (ROE) | 17.2100% | 1,058 |
| Retained earnings to average equity (ytd only) | 17.2096% | 383 |
| Net charge-offs to loans | 2.1487% | 43 |
| Credit loss provision to net charge-offs | 101.0748% | 1,435 |
| Earnings coverage of net charge-offs (x) | 3.6528% | 2,254 |
| Efficiency ratio | 57.6791% | 3,229 |
| Assets per employee ($millions) | 3.9162% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 353 |
| Loan loss allowance to noncurrent loans | 146.6452% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 361 |
| Noncurrent loans to loans | 1.4414% | 476 |
| Net loans and leases to total assets | 77.3500% | 905 |
| Net loans and leases to deposits | 106.7727% | 283 |
| Net loans and leases to core deposits | 283.8638% | 18 |
| Total domestic deposits to total assets | 72.4500% | 4,275 |
| Equity capital to assets | 20.2695% | 276 |
| Core capital (leverage) ratio | 20.0939% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4755% | 369 |
| Memoranda: | ||
| Average total assets | $1,104,667,333 | 904 |
| Average earning assets | $968,292,000 | 926 |
| Average equity | $213,810,667 | 500 |
| Average total loans | $883,310,000 | 792 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4070% | 13 |
| Cost of funding earning assets | 2.8465% | 50 |
| Net interest margin | 11.5605% | 15 |
| Noninterest income to average assets | 2.2700% | 207 |
| Noninterest expense to average assets | 8.8361% | 125 |
| Loan and lease loss provision to assets | 1.3800% | 54 |
| Net operating income to assets | 1.4952% | 1,194 |
| Return on assets (ROA) | 1.4952% | 1,175 |
| Pretax return on assets | 2.0780% | 679 |
| Return on Equity (ROE) | 7.9200% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.9152% | 2,248 |
| Net charge-offs to loans | 2.0698% | 41 |
| Credit loss provision to net charge-offs | 79.7551% | 1,216 |
| Earnings coverage of net charge-offs (x) | 2.0748% | 1,939 |
| Efficiency ratio | 71.0715% | 1,635 |
| Assets per employee ($millions) | 3.8445% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 445 |
| Loan loss allowance to noncurrent loans | 142.4586% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 325 |
| Noncurrent loans to loans | 1.3992% | 475 |
| Net loans and leases to total assets | 78.5000% | 714 |
| Net loans and leases to deposits | 107.9835% | 215 |
| Net loans and leases to core deposits | 293.7001% | 19 |
| Total domestic deposits to total assets | 72.6900% | 4,334 |
| Equity capital to assets | 19.2077% | 258 |
| Core capital (leverage) ratio | 19.1051% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5327% | 472 |
| Memoranda: | ||
| Average total assets | $1,098,948,000 | 926 |
| Average earning assets | $952,761,500 | 951 |
| Average equity | $207,601,500 | 520 |
| Average total loans | $883,969,000 | 809 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6161% | 12 |
| Cost of funding earning assets | 1.3629% | 41 |
| Net interest margin | 12.2532% | 12 |
| Noninterest income to average assets | 2.7000% | 189 |
| Noninterest expense to average assets | 9.3092% | 111 |
| Loan and lease loss provision to assets | 2.3500% | 16 |
| Net operating income to assets | 1.2086% | 1,741 |
| Return on assets (ROA) | 1.2086% | 1,687 |
| Pretax return on assets | 1.6951% | 930 |
| Return on Equity (ROE) | 6.2300% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.2292% | 2,560 |
| Net charge-offs to loans | 1.3677% | 51 |
| Credit loss provision to net charge-offs | 220.2608% | 1,062 |
| Earnings coverage of net charge-offs (x) | 3.7911% | 2,449 |
| Efficiency ratio | 68.8896% | 1,856 |
| Assets per employee ($millions) | 3.7613% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8472% | 140 |
| Loan loss allowance to noncurrent loans | 230.3596% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 420 |
| Noncurrent loans to loans | 1.2360% | 563 |
| Net loans and leases to total assets | 78.4900% | 752 |
| Net loans and leases to deposits | 104.9065% | 268 |
| Net loans and leases to core deposits | 300.4225% | 17 |
| Total domestic deposits to total assets | 74.8100% | 4,324 |
| Equity capital to assets | 18.5716% | 271 |
| Core capital (leverage) ratio | 17.6448% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3686% | 524 |
| Memoranda: | ||
| Average total assets | $1,020,309,000 | 962 |
| Average earning assets | $887,155,600 | 1,008 |
| Average equity | $197,954,400 | 533 |
| Average total loans | $796,053,200 | 826 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2925% | 12 |
| Cost of funding earning assets | 0.9629% | 72 |
| Net interest margin | 12.3297% | 12 |
| Noninterest income to average assets | 2.7400% | 197 |
| Noninterest expense to average assets | 9.4587% | 111 |
| Loan and lease loss provision to assets | 1.9600% | 17 |
| Net operating income to assets | 1.4417% | 974 |
| Return on assets (ROA) | 1.4417% | 952 |
| Pretax return on assets | 2.0352% | 434 |
| Return on Equity (ROE) | 7.3500% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.3451% | 2,251 |
| Net charge-offs to loans | 1.2754% | 41 |
| Credit loss provision to net charge-offs | 199.2301% | 982 |
| Earnings coverage of net charge-offs (x) | 4.0575% | 2,188 |
| Efficiency ratio | 69.4950% | 1,822 |
| Assets per employee ($millions) | 3.5880% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2777% | 307 |
| Loan loss allowance to noncurrent loans | 184.5540% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 446 |
| Noncurrent loans to loans | 1.2342% | 589 |
| Net loans and leases to total assets | 76.9300% | 808 |
| Net loans and leases to deposits | 104.7462% | 220 |
| Net loans and leases to core deposits | 287.3761% | 16 |
| Total domestic deposits to total assets | 73.4400% | 4,465 |
| Equity capital to assets | 18.6292% | 251 |
| Core capital (leverage) ratio | 19.2241% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9382% | 492 |
| Memoranda: | ||
| Average total assets | $1,001,752,750 | 987 |
| Average earning assets | $870,863,750 | 1,037 |
| Average equity | $196,625,000 | 538 |
| Average total loans | $774,010,250 | 836 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2088% | 11 |
| Cost of funding earning assets | 0.6506% | 209 |
| Net interest margin | 12.5581% | 10 |
| Noninterest income to average assets | 2.9240% | 159 |
| Noninterest expense to average assets | 9.9612% | 73 |
| Loan and lease loss provision to assets | 1.7634% | 19 |
| Net operating income to assets | 1.4574% | 779 |
| Return on assets (ROA) | 1.4574% | 760 |
| Pretax return on assets | 2.0811% | 313 |
| Return on Equity (ROE) | 7.2875% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.2875% | 1,883 |
| Net charge-offs to loans | 1.2698% | 47 |
| Credit loss provision to net charge-offs | 180.9985% | 1,013 |
| Earnings coverage of net charge-offs (x) | 3.9461% | 1,976 |
| Efficiency ratio | 71.3842% | 1,787 |
| Assets per employee ($millions) | 3.4145% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 523 |
| Loan loss allowance to noncurrent loans | 172.0242% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 519 |
| Noncurrent loans to loans | 1.1764% | 681 |
| Net loans and leases to total assets | 76.0308% | 729 |
| Net loans and leases to deposits | 103.0272% | 186 |
| Net loans and leases to core deposits | 262.9745% | 22 |
| Total domestic deposits to total assets | 73.7969% | 4,541 |
| Equity capital to assets | 19.5515% | 178 |
| Core capital (leverage) ratio | 19.9166% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8372% | 426 |
| Memoranda: | ||
| Average total assets | $974,482,000 | 999 |
| Average earning assets | $844,392,000 | 1,070 |
| Average equity | $194,880,333 | 546 |
| Average total loans | $747,691,000 | 845 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3349% | 11 |
| Cost of funding earning assets | 0.5563% | 355 |
| Net interest margin | 12.7786% | 10 |
| Noninterest income to average assets | 2.9217% | 163 |
| Noninterest expense to average assets | 10.2947% | 68 |
| Loan and lease loss provision to assets | 1.4464% | 30 |
| Net operating income to assets | 1.5591% | 564 |
| Return on assets (ROA) | 1.5591% | 556 |
| Pretax return on assets | 2.1905% | 260 |
| Return on Equity (ROE) | 7.7046% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.7046% | 1,672 |
| Net charge-offs to loans | 1.2175% | 57 |
| Credit loss provision to net charge-offs | 155.7762% | 851 |
| Earnings coverage of net charge-offs (x) | 3.9170% | 1,643 |
| Efficiency ratio | 73.1759% | 1,835 |
| Assets per employee ($millions) | 3.3763% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 866 |
| Loan loss allowance to noncurrent loans | 145.9557% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 551 |
| Noncurrent loans to loans | 1.2391% | 708 |
| Net loans and leases to total assets | 74.6140% | 605 |
| Net loans and leases to deposits | 99.9063% | 176 |
| Net loans and leases to core deposits | 266.3318% | 16 |
| Total domestic deposits to total assets | 74.6840% | 4,554 |
| Equity capital to assets | 20.1264% | 159 |
| Core capital (leverage) ratio | 20.1389% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3261% | 411 |
| Memoranda: | ||
| Average total assets | $954,663,000 | 1,029 |
| Average earning assets | $822,531,000 | 1,092 |
| Average equity | $193,182,500 | 570 |
| Average total loans | $728,051,500 | 858 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4982% | 9 |
| Cost of funding earning assets | 0.8039% | 203 |
| Net interest margin | 14.6943% | 9 |
| Noninterest income to average assets | 3.0879% | 174 |
| Noninterest expense to average assets | 12.6292% | 55 |
| Loan and lease loss provision to assets | 0.7366% | 61 |
| Net operating income to assets | 1.4809% | 1,060 |
| Return on assets (ROA) | 1.4809% | 1,113 |
| Pretax return on assets | 2.0790% | 521 |
| Return on Equity (ROE) | 6.3485% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.3485% | 2,202 |
| Net charge-offs to loans | 1.1299% | 56 |
| Credit loss provision to net charge-offs | 87.7906% | 1,897 |
| Earnings coverage of net charge-offs (x) | 3.3558% | 2,548 |
| Efficiency ratio | 81.1649% | 737 |
| Assets per employee ($millions) | 3.2764% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 1,091 |
| Loan loss allowance to noncurrent loans | 131.9607% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 555 |
| Noncurrent loans to loans | 1.2719% | 755 |
| Net loans and leases to total assets | 75.2607% | 566 |
| Net loans and leases to deposits | 102.4622% | 156 |
| Net loans and leases to core deposits | 302.0886% | 17 |
| Total domestic deposits to total assets | 73.4521% | 4,603 |
| Equity capital to assets | 20.3483% | 169 |
| Core capital (leverage) ratio | 20.6798% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0951% | 439 |
| Memoranda: | ||
| Average total assets | $794,629,000 | 1,165 |
| Average earning assets | $668,227,000 | 1,264 |
| Average equity | $185,367,800 | 585 |
| Average total loans | $590,042,400 | 1,028 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.0098% | 7 |
| Cost of funding earning assets | 0.9136% | 136 |
| Net interest margin | 15.0962% | 7 |
| Noninterest income to average assets | 2.9923% | 193 |
| Noninterest expense to average assets | 12.8757% | 56 |
| Loan and lease loss provision to assets | 0.4164% | 148 |
| Net operating income to assets | 1.6368% | 941 |
| Return on assets (ROA) | 1.6368% | 991 |
| Pretax return on assets | 2.3341% | 439 |
| Return on Equity (ROE) | 6.7494% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.7494% | 2,519 |
| Net charge-offs to loans | 1.1948% | 52 |
| Credit loss provision to net charge-offs | 47.3884% | 1,875 |
| Earnings coverage of net charge-offs (x) | 3.1301% | 2,325 |
| Efficiency ratio | 81.8762% | 636 |
| Assets per employee ($millions) | 3.0718% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,633 |
| Loan loss allowance to noncurrent loans | 115.3742% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0023% | 659 |
| Noncurrent loans to loans | 1.3003% | 830 |
| Net loans and leases to total assets | 73.8809% | 702 |
| Net loans and leases to deposits | 102.8766% | 175 |
| Net loans and leases to core deposits | 342.3498% | 19 |
| Total domestic deposits to total assets | 71.8150% | 4,688 |
| Equity capital to assets | 20.6987% | 165 |
| Core capital (leverage) ratio | 20.7188% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1881% | 474 |
| Memoranda: | ||
| Average total assets | $758,205,250 | 1,225 |
| Average earning assets | $634,537,750 | 1,326 |
| Average equity | $183,874,750 | 595 |
| Average total loans | $557,609,250 | 1,099 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6325% | 7 |
| Cost of funding earning assets | 1.0276% | 95 |
| Net interest margin | 15.6049% | 8 |
| Noninterest income to average assets | 2.8756% | 203 |
| Noninterest expense to average assets | 14.0528% | 47 |
| Loan and lease loss provision to assets | -0.2739% | 4,823 |
| Net operating income to assets | 1.5231% | 1,235 |
| Return on assets (ROA) | 1.5231% | 1,301 |
| Pretax return on assets | 2.1850% | 594 |
| Return on Equity (ROE) | 5.9082% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.9082% | 2,840 |
| Net charge-offs to loans | 1.4234% | 49 |
| Credit loss provision to net charge-offs | -26.3904% | 2,935 |
| Earnings coverage of net charge-offs (x) | 1.8413% | 2,155 |
| Efficiency ratio | 88.0289% | 397 |
| Assets per employee ($millions) | 2.8590% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,607 |
| Loan loss allowance to noncurrent loans | 96.9711% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 765 |
| Noncurrent loans to loans | 1.3044% | 903 |
| Net loans and leases to total assets | 72.7463% | 878 |
| Net loans and leases to deposits | 110.2724% | 111 |
| Net loans and leases to core deposits | 387.1378% | 14 |
| Total domestic deposits to total assets | 65.9697% | 4,821 |
| Equity capital to assets | 20.8672% | 159 |
| Core capital (leverage) ratio | 22.4899% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9933% | 483 |
| Memoranda: | ||
| Average total assets | $706,832,667 | 1,294 |
| Average earning assets | $592,840,333 | 1,397 |
| Average equity | $182,220,000 | 593 |
| Average total loans | $515,379,667 | 1,155 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.2677% | 6 |
| Cost of funding earning assets | 0.8092% | 333 |
| Net interest margin | 17.4585% | 7 |
| Noninterest income to average assets | 2.2829% | 299 |
| Noninterest expense to average assets | 15.2092% | 44 |
| Loan and lease loss provision to assets | -0.5574% | 4,930 |
| Net operating income to assets | 1.6445% | 1,032 |
| Return on assets (ROA) | 1.6445% | 1,084 |
| Pretax return on assets | 2.3711% | 543 |
| Return on Equity (ROE) | 5.6110% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.6110% | 3,024 |
| Net charge-offs to loans | 1.8264% | 41 |
| Credit loss provision to net charge-offs | -42.1775% | 2,748 |
| Earnings coverage of net charge-offs (x) | 1.3722% | 1,853 |
| Efficiency ratio | 89.3458% | 389 |
| Assets per employee ($millions) | 2.0996% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 369 |
| Loan loss allowance to noncurrent loans | 101.8543% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 346 |
| Noncurrent loans to loans | 2.2518% | 443 |
| Net loans and leases to total assets | 70.9229% | 1,167 |
| Net loans and leases to deposits | 112.7304% | 113 |
| Net loans and leases to core deposits | 233.8410% | 28 |
| Total domestic deposits to total assets | 62.9138% | 4,868 |
| Equity capital to assets | 30.3279% | 63 |
| Core capital (leverage) ratio | 29.8231% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4803% | 157 |
| Memoranda: | ||
| Average total assets | $617,101,500 | 1,419 |
| Average earning assets | $521,008,000 | 1,534 |
| Average equity | $180,857,500 | 592 |
| Average total loans | $446,566,000 | 1,292 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.8699% | 4 |
| Cost of funding earning assets | 2.1590% | 4 |
| Net interest margin | 16.7108% | 5 |
| Noninterest income to average assets | 2.3965% | 255 |
| Noninterest expense to average assets | 14.0891% | 52 |
| Loan and lease loss provision to assets | 0.2917% | 1,299 |
| Net operating income to assets | 1.7810% | 407 |
| Return on assets (ROA) | 1.7810% | 439 |
| Pretax return on assets | 2.4417% | 204 |
| Return on Equity (ROE) | 6.6295% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.6295% | 1,535 |
| Net charge-offs to loans | 3.1588% | 27 |
| Credit loss provision to net charge-offs | 12.4867% | 3,248 |
| Earnings coverage of net charge-offs (x) | 1.1702% | 3,276 |
| Efficiency ratio | 83.7515% | 653 |
| Assets per employee ($millions) | 2.2081% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8203% | 178 |
| Loan loss allowance to noncurrent loans | 124.6352% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6716% | 399 |
| Noncurrent loans to loans | 2.2629% | 473 |
| Net loans and leases to total assets | 70.1191% | 1,548 |
| Net loans and leases to deposits | 112.1485% | 138 |
| Net loans and leases to core deposits | 241.3286% | 30 |
| Total domestic deposits to total assets | 62.5234% | 4,892 |
| Equity capital to assets | 28.3408% | 73 |
| Core capital (leverage) ratio | 28.9333% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9631% | 177 |
| Memoranda: | ||
| Average total assets | $643,517,400 | 1,262 |
| Average earning assets | $555,531,600 | 1,335 |
| Average equity | $172,877,600 | 587 |
| Average total loans | $475,882,200 | 1,187 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.1321% | 5 |
| Cost of funding earning assets | 2.5721% | 2 |
| Net interest margin | 16.5600% | 5 |
| Noninterest income to average assets | 2.3348% | 263 |
| Noninterest expense to average assets | 13.4365% | 54 |
| Loan and lease loss provision to assets | 0.7767% | 243 |
| Net operating income to assets | 1.6690% | 621 |
| Return on assets (ROA) | 1.6690% | 690 |
| Pretax return on assets | 2.4325% | 236 |
| Return on Equity (ROE) | 6.2975% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.2975% | 1,976 |
| Net charge-offs to loans | 3.6566% | 21 |
| Credit loss provision to net charge-offs | 28.5530% | 2,958 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 3,089 |
| Efficiency ratio | 80.7207% | 820 |
| Assets per employee ($millions) | 2.0894% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6794% | 76 |
| Loan loss allowance to noncurrent loans | 162.4353% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7174% | 450 |
| Noncurrent loans to loans | 2.2651% | 500 |
| Net loans and leases to total assets | 68.7864% | 2,139 |
| Net loans and leases to deposits | 103.8987% | 389 |
| Net loans and leases to core deposits | 213.9846% | 34 |
| Total domestic deposits to total assets | 66.2053% | 4,847 |
| Equity capital to assets | 27.8280% | 72 |
| Core capital (leverage) ratio | 28.3299% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9883% | 189 |
| Memoranda: | ||
| Average total assets | $645,967,750 | 1,245 |
| Average earning assets | $558,232,250 | 1,310 |
| Average equity | $171,197,000 | 583 |
| Average total loans | $480,539,750 | 1,174 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.7413% | 5 |
| Cost of funding earning assets | 3.3547% | 1 |
| Net interest margin | 16.3866% | 6 |
| Noninterest income to average assets | 2.3314% | 244 |
| Noninterest expense to average assets | 12.7358% | 59 |
| Loan and lease loss provision to assets | 2.2809% | 46 |
| Net operating income to assets | 0.9162% | 2,635 |
| Return on assets (ROA) | 0.9162% | 2,756 |
| Pretax return on assets | 1.4447% | 1,602 |
| Return on Equity (ROE) | 3.5143% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.5143% | 3,172 |
| Net charge-offs to loans | 4.1338% | 22 |
| Credit loss provision to net charge-offs | 73.2227% | 2,536 |
| Earnings coverage of net charge-offs (x) | 1.1960% | 2,876 |
| Efficiency ratio | 77.3678% | 1,117 |
| Assets per employee ($millions) | 2.0220% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0443% | 38 |
| Loan loss allowance to noncurrent loans | 187.2212% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 2.0855% | 325 |
| Noncurrent loans to loans | 2.6943% | 408 |
| Net loans and leases to total assets | 69.6402% | 2,087 |
| Net loans and leases to deposits | 103.8746% | 382 |
| Net loans and leases to core deposits | 198.1683% | 45 |
| Total domestic deposits to total assets | 67.0426% | 4,862 |
| Equity capital to assets | 27.1059% | 79 |
| Core capital (leverage) ratio | 26.9286% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4111% | 208 |
| Memoranda: | ||
| Average total assets | $650,260,333 | 1,211 |
| Average earning assets | $560,714,000 | 1,296 |
| Average equity | $169,537,333 | 588 |
| Average total loans | $490,014,667 | 1,132 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.6942% | 5 |
| Cost of funding earning assets | 2.5870% | 3 |
| Net interest margin | 18.1073% | 7 |
| Noninterest income to average assets | 2.4711% | 202 |
| Noninterest expense to average assets | 13.3264% | 57 |
| Loan and lease loss provision to assets | 3.6372% | 27 |
| Net operating income to assets | 0.7807% | 2,974 |
| Return on assets (ROA) | 0.7807% | 3,057 |
| Pretax return on assets | 1.1577% | 2,343 |
| Return on Equity (ROE) | 3.0521% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.0521% | 3,063 |
| Net charge-offs to loans | 4.7054% | 23 |
| Credit loss provision to net charge-offs | 101.2827% | 1,803 |
| Earnings coverage of net charge-offs (x) | 1.3352% | 2,398 |
| Efficiency ratio | 73.5400% | 1,882 |
| Assets per employee ($millions) | 1.9943% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2897% | 34 |
| Loan loss allowance to noncurrent loans | 180.8347% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 2.3384% | 314 |
| Noncurrent loans to loans | 2.9251% | 375 |
| Net loans and leases to total assets | 71.0824% | 2,076 |
| Net loans and leases to deposits | 103.6107% | 383 |
| Net loans and leases to core deposits | 300.9141% | 17 |
| Total domestic deposits to total assets | 68.6053% | 4,905 |
| Equity capital to assets | 25.7286% | 104 |
| Core capital (leverage) ratio | 25.6508% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8892% | 263 |
| Memoranda: | ||
| Average total assets | $659,951,500 | 1,172 |
| Average earning assets | $570,400,500 | 1,235 |
| Average equity | $168,803,500 | 584 |
| Average total loans | $503,680,000 | 1,092 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.3303% | 4 |
| Cost of funding earning assets | 2.5183% | 8 |
| Net interest margin | 18.8120% | 4 |
| Noninterest income to average assets | 2.7812% | 171 |
| Noninterest expense to average assets | 13.5284% | 50 |
| Loan and lease loss provision to assets | 3.7459% | 15 |
| Net operating income to assets | 1.4124% | 1,303 |
| Return on assets (ROA) | 1.4124% | 1,381 |
| Pretax return on assets | 1.8337% | 871 |
| Return on Equity (ROE) | 5.7423% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.7423% | 2,009 |
| Net charge-offs to loans | 4.8725% | 14 |
| Credit loss provision to net charge-offs | 100.3184% | 2,455 |
| Earnings coverage of net charge-offs (x) | 1.4943% | 3,533 |
| Efficiency ratio | 70.7995% | 2,050 |
| Assets per employee ($millions) | 1.9874% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0739% | 33 |
| Loan loss allowance to noncurrent loans | 167.9518% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 274 |
| Noncurrent loans to loans | 3.0210% | 309 |
| Net loans and leases to total assets | 73.6457% | 1,809 |
| Net loans and leases to deposits | 106.5295% | 278 |
| Net loans and leases to core deposits | 331.4771% | 17 |
| Total domestic deposits to total assets | 69.1317% | 4,965 |
| Equity capital to assets | 25.4285% | 118 |
| Core capital (leverage) ratio | 25.6665% | 115 |
| Tier 1 risk-based capital ratio | 28.3101% | 543 |
| Total risk-based capital ratio | 29.5987% | 531 |
| Memoranda: | ||
| Average total assets | $664,378,800 | 1,128 |
| Average earning assets | $576,612,200 | 1,193 |
| Average equity | $163,419,400 | 567 |
| Average total loans | $509,144,800 | 1,063 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.3945% | 4 |
| Cost of funding earning assets | 2.5417% | 7 |
| Net interest margin | 18.8529% | 4 |
| Noninterest income to average assets | 2.7657% | 171 |
| Noninterest expense to average assets | 13.5779% | 49 |
| Loan and lease loss provision to assets | 3.6487% | 17 |
| Net operating income to assets | 1.3036% | 1,847 |
| Return on assets (ROA) | 1.3036% | 1,928 |
| Pretax return on assets | 1.9185% | 829 |
| Return on Equity (ROE) | 5.3446% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.3446% | 2,712 |
| Net charge-offs to loans | 4.7653% | 16 |
| Credit loss provision to net charge-offs | 100.2203% | 2,242 |
| Earnings coverage of net charge-offs (x) | 1.5292% | 3,279 |
| Efficiency ratio | 70.9211% | 1,977 |
| Assets per employee ($millions) | 1.9996% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1466% | 36 |
| Loan loss allowance to noncurrent loans | 170.9179% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 2.3803% | 307 |
| Noncurrent loans to loans | 3.0112% | 320 |
| Net loans and leases to total assets | 72.8729% | 2,022 |
| Net loans and leases to deposits | 104.5893% | 382 |
| Net loans and leases to core deposits | 326.4610% | 19 |
| Total domestic deposits to total assets | 69.6753% | 5,010 |
| Equity capital to assets | 25.1442% | 124 |
| Core capital (leverage) ratio | 25.2437% | 117 |
| Tier 1 risk-based capital ratio | 28.5751% | 536 |
| Total risk-based capital ratio | 29.8652% | 527 |
| Memoranda: | ||
| Average total assets | $665,024,500 | 1,122 |
| Average earning assets | $577,772,000 | 1,192 |
| Average equity | $162,203,000 | 571 |
| Average total loans | $508,072,250 | 1,060 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.3033% | 4 |
| Cost of funding earning assets | 2.5690% | 7 |
| Net interest margin | 18.7344% | 4 |
| Noninterest income to average assets | 2.7090% | 180 |
| Noninterest expense to average assets | 13.4676% | 48 |
| Loan and lease loss provision to assets | 3.6152% | 19 |
| Net operating income to assets | 1.2802% | 1,851 |
| Return on assets (ROA) | 1.2802% | 1,907 |
| Pretax return on assets | 1.8873% | 856 |
| Return on Equity (ROE) | 5.3025% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.3025% | 2,624 |
| Net charge-offs to loans | 4.9670% | 16 |
| Credit loss provision to net charge-offs | 95.4430% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.4527% | 3,017 |
| Efficiency ratio | 70.9939% | 2,071 |
| Assets per employee ($millions) | 1.8884% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0473% | 29 |
| Loan loss allowance to noncurrent loans | 183.8558% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1311% | 413 |
| Noncurrent loans to loans | 2.7453% | 388 |
| Net loans and leases to total assets | 73.3325% | 1,996 |
| Net loans and leases to deposits | 106.2588% | 331 |
| Net loans and leases to core deposits | 348.9038% | 17 |
| Total domestic deposits to total assets | 69.0130% | 5,073 |
| Equity capital to assets | 25.0648% | 124 |
| Core capital (leverage) ratio | 24.9712% | 117 |
| Tier 1 risk-based capital ratio | 28.2465% | 554 |
| Total risk-based capital ratio | 29.5354% | 538 |
| Memoranda: | ||
| Average total assets | $667,409,670 | 1,116 |
| Average earning assets | $579,299,000 | 1,188 |
| Average equity | $161,132,000 | 570 |
| Average total loans | $508,956,330 | 1,063 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.2743% | 4 |
| Cost of funding earning assets | 2.5837% | 5 |
| Net interest margin | 18.6906% | 4 |
| Noninterest income to average assets | 2.7250% | 166 |
| Noninterest expense to average assets | 13.7822% | 47 |
| Loan and lease loss provision to assets | 3.3718% | 22 |
| Net operating income to assets | 1.2219% | 1,977 |
| Return on assets (ROA) | 1.2219% | 2,023 |
| Pretax return on assets | 1.7922% | 990 |
| Return on Equity (ROE) | 5.1559% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.1559% | 2,835 |
| Net charge-offs to loans | 4.8631% | 17 |
| Credit loss provision to net charge-offs | 91.4832% | 1,705 |
| Earnings coverage of net charge-offs (x) | 1.4011% | 2,602 |
| Efficiency ratio | 72.7438% | 1,919 |
| Assets per employee ($millions) | 1.9250% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0652% | 32 |
| Loan loss allowance to noncurrent loans | 158.0445% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 2.4067% | 334 |
| Noncurrent loans to loans | 3.2049% | 314 |
| Net loans and leases to total assets | 70.9779% | 2,329 |
| Net loans and leases to deposits | 101.7198% | 513 |
| Net loans and leases to core deposits | 346.6034% | 19 |
| Total domestic deposits to total assets | 69.7779% | 5,120 |
| Equity capital to assets | 23.9795% | 130 |
| Core capital (leverage) ratio | 23.8113% | 133 |
| Tier 1 risk-based capital ratio | 27.5722% | 588 |
| Total risk-based capital ratio | 28.8606% | 571 |
| Memoranda: | ||
| Average total assets | $675,364,500 | 1,103 |
| Average earning assets | $586,134,500 | 1,175 |
| Average equity | $160,049,500 | 569 |
| Average total loans | $511,856,000 | 1,053 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.5360% | 4 |
| Cost of funding earning assets | 2.5033% | 4 |
| Net interest margin | 19.0327% | 4 |
| Noninterest income to average assets | 2.8384% | 163 |
| Noninterest expense to average assets | 14.3619% | 46 |
| Loan and lease loss provision to assets | 3.1126% | 20 |
| Net operating income to assets | 1.3591% | 1,577 |
| Return on assets (ROA) | 1.3591% | 1,564 |
| Pretax return on assets | 1.8909% | 738 |
| Return on Equity (ROE) | 5.9186% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.9186% | 2,237 |
| Net charge-offs to loans | 4.6439% | 18 |
| Credit loss provision to net charge-offs | 87.1820% | 2,757 |
| Earnings coverage of net charge-offs (x) | 1.4014% | 3,630 |
| Efficiency ratio | 74.1627% | 1,605 |
| Assets per employee ($millions) | 1.9232% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9810% | 33 |
| Loan loss allowance to noncurrent loans | 164.7238% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 351 |
| Noncurrent loans to loans | 3.0239% | 336 |
| Net loans and leases to total assets | 72.9781% | 2,104 |
| Net loans and leases to deposits | 103.3391% | 520 |
| Net loans and leases to core deposits | 348.8407% | 18 |
| Total domestic deposits to total assets | 70.6200% | 5,135 |
| Equity capital to assets | 23.4199% | 140 |
| Core capital (leverage) ratio | 23.8158% | 131 |
| Tier 1 risk-based capital ratio | 26.5971% | 633 |
| Total risk-based capital ratio | 27.8854% | 624 |
| Memoranda: | ||
| Average total assets | $672,806,400 | 1,087 |
| Average earning assets | $584,231,600 | 1,145 |
| Average equity | $154,496,600 | 560 |
| Average total loans | $517,264,200 | 1,014 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.4470% | 4 |
| Cost of funding earning assets | 2.4969% | 3 |
| Net interest margin | 18.9502% | 4 |
| Noninterest income to average assets | 2.8031% | 176 |
| Noninterest expense to average assets | 14.4667% | 47 |
| Loan and lease loss provision to assets | 2.8289% | 24 |
| Net operating income to assets | 1.3677% | 1,597 |
| Return on assets (ROA) | 1.3677% | 1,599 |
| Pretax return on assets | 1.9445% | 739 |
| Return on Equity (ROE) | 5.9862% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.9862% | 2,665 |
| Net charge-offs to loans | 4.5987% | 22 |
| Credit loss provision to net charge-offs | 79.9944% | 2,529 |
| Earnings coverage of net charge-offs (x) | 1.3498% | 3,356 |
| Efficiency ratio | 75.1902% | 1,437 |
| Assets per employee ($millions) | 1.8991% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9657% | 40 |
| Loan loss allowance to noncurrent loans | 170.9524% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 2.2539% | 430 |
| Noncurrent loans to loans | 2.9047% | 385 |
| Net loans and leases to total assets | 73.3918% | 2,095 |
| Net loans and leases to deposits | 105.1997% | 473 |
| Net loans and leases to core deposits | 398.1846% | 15 |
| Total domestic deposits to total assets | 69.7643% | 5,220 |
| Equity capital to assets | 23.5567% | 131 |
| Core capital (leverage) ratio | 23.6907% | 129 |
| Tier 1 risk-based capital ratio | 26.6629% | 639 |
| Total risk-based capital ratio | 27.9512% | 627 |
| Memoranda: | ||
| Average total assets | $671,283,000 | 1,092 |
| Average earning assets | $582,256,750 | 1,153 |
| Average equity | $153,371,250 | 556 |
| Average total loans | $516,225,250 | 1,015 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.1356% | 4 |
| Cost of funding earning assets | 2.4941% | 3 |
| Net interest margin | 18.6415% | 4 |
| Noninterest income to average assets | 2.6964% | 188 |
| Noninterest expense to average assets | 14.3382% | 46 |
| Loan and lease loss provision to assets | 2.5753% | 25 |
| Net operating income to assets | 1.3500% | 1,601 |
| Return on assets (ROA) | 1.3500% | 1,607 |
| Pretax return on assets | 1.9279% | 720 |
| Return on Equity (ROE) | 5.9697% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.9697% | 2,580 |
| Net charge-offs to loans | 4.7757% | 21 |
| Credit loss provision to net charge-offs | 70.2186% | 2,344 |
| Earnings coverage of net charge-offs (x) | 1.2279% | 3,080 |
| Efficiency ratio | 76.0997% | 1,415 |
| Assets per employee ($millions) | 1.8170% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9945% | 36 |
| Loan loss allowance to noncurrent loans | 194.6230% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 549 |
| Noncurrent loans to loans | 2.5662% | 500 |
| Net loans and leases to total assets | 72.7739% | 2,154 |
| Net loans and leases to deposits | 103.2203% | 575 |
| Net loans and leases to core deposits | 390.4161% | 15 |
| Total domestic deposits to total assets | 70.5034% | 5,259 |
| Equity capital to assets | 23.2944% | 139 |
| Core capital (leverage) ratio | 23.3764% | 132 |
| Tier 1 risk-based capital ratio | 26.5444% | 632 |
| Total risk-based capital ratio | 27.8328% | 625 |
| Memoranda: | ||
| Average total assets | $673,488,000 | 1,094 |
| Average earning assets | $583,289,670 | 1,150 |
| Average equity | $152,303,670 | 555 |
| Average total loans | $517,200,000 | 1,012 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.9413% | 4 |
| Cost of funding earning assets | 2.5061% | 3 |
| Net interest margin | 18.4353% | 4 |
| Noninterest income to average assets | 2.6813% | 184 |
| Noninterest expense to average assets | 14.0850% | 50 |
| Loan and lease loss provision to assets | 2.8522% | 22 |
| Net operating income to assets | 1.1789% | 2,101 |
| Return on assets (ROA) | 1.1789% | 2,110 |
| Pretax return on assets | 1.7005% | 1,116 |
| Return on Equity (ROE) | 5.2907% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.2907% | 3,040 |
| Net charge-offs to loans | 4.7598% | 21 |
| Credit loss provision to net charge-offs | 77.9353% | 1,762 |
| Earnings coverage of net charge-offs (x) | 1.2440% | 2,577 |
| Efficiency ratio | 75.5724% | 1,659 |
| Assets per employee ($millions) | 1.8822% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4319% | 32 |
| Loan loss allowance to noncurrent loans | 189.7909% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 2.2059% | 471 |
| Noncurrent loans to loans | 2.8621% | 435 |
| Net loans and leases to total assets | 72.5338% | 2,086 |
| Net loans and leases to deposits | 101.8021% | 594 |
| Net loans and leases to core deposits | 383.5766% | 18 |
| Total domestic deposits to total assets | 71.2498% | 5,323 |
| Equity capital to assets | 22.9064% | 142 |
| Core capital (leverage) ratio | 22.3967% | 143 |
| Tier 1 risk-based capital ratio | 26.0833% | 679 |
| Total risk-based capital ratio | 27.3764% | 662 |
| Memoranda: | ||
| Average total assets | $678,624,000 | 1,092 |
| Average earning assets | $587,374,000 | 1,150 |
| Average equity | $151,209,500 | 560 |
| Average total loans | $521,789,500 | 1,007 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.1712% | 4 |
| Cost of funding earning assets | 2.3984% | 4 |
| Net interest margin | 18.7728% | 4 |
| Noninterest income to average assets | 2.7897% | 190 |
| Noninterest expense to average assets | 13.1710% | 48 |
| Loan and lease loss provision to assets | 4.0780% | 15 |
| Net operating income to assets | 1.6148% | 635 |
| Return on assets (ROA) | 1.6148% | 653 |
| Pretax return on assets | 1.9907% | 503 |
| Return on Equity (ROE) | 7.7246% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.7246% | 852 |
| Net charge-offs to loans | 4.4142% | 17 |
| Credit loss provision to net charge-offs | 119.5178% | 2,189 |
| Earnings coverage of net charge-offs (x) | 1.7786% | 3,855 |
| Efficiency ratio | 68.4576% | 2,802 |
| Assets per employee ($millions) | 1.8427% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4405% | 28 |
| Loan loss allowance to noncurrent loans | 191.1376% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 2.2040% | 467 |
| Noncurrent loans to loans | 2.8464% | 405 |
| Net loans and leases to total assets | 72.8778% | 2,104 |
| Net loans and leases to deposits | 100.8652% | 669 |
| Net loans and leases to core deposits | 389.2033% | 19 |
| Total domestic deposits to total assets | 72.2527% | 5,306 |
| Equity capital to assets | 21.6828% | 160 |
| Core capital (leverage) ratio | 21.8940% | 147 |
| Tier 1 risk-based capital ratio | 24.6850% | 753 |
| Total risk-based capital ratio | 25.9785% | 732 |
| Memoranda: | ||
| Average total assets | $686,840,200 | 1,062 |
| Average earning assets | $601,856,400 | 1,113 |
| Average equity | $143,580,400 | 564 |
| Average total loans | $530,905,400 | 965 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.0946% | 4 |
| Cost of funding earning assets | 2.3909% | 3 |
| Net interest margin | 18.7037% | 4 |
| Noninterest income to average assets | 2.7413% | 204 |
| Noninterest expense to average assets | 13.4314% | 52 |
| Loan and lease loss provision to assets | 3.9783% | 19 |
| Net operating income to assets | 1.1307% | 1,951 |
| Return on assets (ROA) | 1.1307% | 2,015 |
| Pretax return on assets | 1.7746% | 944 |
| Return on Equity (ROE) | 5.4603% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.4603% | 2,562 |
| Net charge-offs to loans | 4.3256% | 22 |
| Credit loss provision to net charge-offs | 118.8964% | 2,020 |
| Earnings coverage of net charge-offs (x) | 1.7193% | 3,554 |
| Efficiency ratio | 70.0125% | 2,535 |
| Assets per employee ($millions) | 1.8055% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2427% | 34 |
| Loan loss allowance to noncurrent loans | 189.1982% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 580 |
| Noncurrent loans to loans | 2.7710% | 498 |
| Net loans and leases to total assets | 73.0437% | 2,089 |
| Net loans and leases to deposits | 99.6154% | 771 |
| Net loans and leases to core deposits | 372.5278% | 18 |
| Total domestic deposits to total assets | 73.3257% | 5,288 |
| Equity capital to assets | 21.1390% | 183 |
| Core capital (leverage) ratio | 21.1998% | 171 |
| Tier 1 risk-based capital ratio | 24.1520% | 834 |
| Total risk-based capital ratio | 25.4435% | 811 |
| Memoranda: | ||
| Average total assets | $685,339,500 | 1,070 |
| Average earning assets | $602,502,500 | 1,116 |
| Average equity | $141,918,500 | 576 |
| Average total loans | $530,136,750 | 967 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8861% | 4 |
| Cost of funding earning assets | 2.3579% | 3 |
| Net interest margin | 18.5282% | 4 |
| Noninterest income to average assets | 2.7264% | 203 |
| Noninterest expense to average assets | 13.4683% | 51 |
| Loan and lease loss provision to assets | 3.9317% | 19 |
| Net operating income to assets | 1.1184% | 1,895 |
| Return on assets (ROA) | 1.1184% | 1,941 |
| Pretax return on assets | 1.6640% | 1,148 |
| Return on Equity (ROE) | 5.4386% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.4386% | 2,449 |
| Net charge-offs to loans | 4.5936% | 26 |
| Credit loss provision to net charge-offs | 110.5203% | 1,883 |
| Earnings coverage of net charge-offs (x) | 1.5730% | 3,268 |
| Efficiency ratio | 70.6476% | 2,567 |
| Assets per employee ($millions) | 1.8196% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9066% | 48 |
| Loan loss allowance to noncurrent loans | 185.6103% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 2.0334% | 619 |
| Noncurrent loans to loans | 2.6435% | 540 |
| Net loans and leases to total assets | 72.7762% | 2,084 |
| Net loans and leases to deposits | 99.3153% | 788 |
| Net loans and leases to core deposits | 358.9819% | 21 |
| Total domestic deposits to total assets | 73.2780% | 5,356 |
| Equity capital to assets | 20.8530% | 192 |
| Core capital (leverage) ratio | 21.0417% | 166 |
| Tier 1 risk-based capital ratio | 23.8801% | 862 |
| Total risk-based capital ratio | 25.1677% | 840 |
| Memoranda: | ||
| Average total assets | $685,090,330 | 1,069 |
| Average earning assets | $604,095,670 | 1,121 |
| Average equity | $140,880,670 | 579 |
| Average total loans | $530,559,000 | 967 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8569% | 4 |
| Cost of funding earning assets | 2.3225% | 4 |
| Net interest margin | 18.5344% | 4 |
| Noninterest income to average assets | 2.7319% | 210 |
| Noninterest expense to average assets | 13.9102% | 47 |
| Loan and lease loss provision to assets | 4.1954% | 16 |
| Net operating income to assets | 1.0364% | 2,140 |
| Return on assets (ROA) | 1.0364% | 2,189 |
| Pretax return on assets | 1.0990% | 2,992 |
| Return on Equity (ROE) | 5.0759% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.0759% | 2,845 |
| Net charge-offs to loans | 4.6057% | 23 |
| Credit loss provision to net charge-offs | 116.9354% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.4757% | 2,725 |
| Efficiency ratio | 72.4316% | 2,500 |
| Assets per employee ($millions) | 1.8639% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8703% | 51 |
| Loan loss allowance to noncurrent loans | 167.4014% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 2.2387% | 553 |
| Noncurrent loans to loans | 2.9093% | 489 |
| Net loans and leases to total assets | 72.8620% | 1,933 |
| Net loans and leases to deposits | 99.6079% | 639 |
| Net loans and leases to core deposits | 368.4405% | 20 |
| Total domestic deposits to total assets | 73.1488% | 5,475 |
| Equity capital to assets | 20.6086% | 192 |
| Core capital (leverage) ratio | 20.5614% | 185 |
| Tier 1 risk-based capital ratio | 24.0833% | 860 |
| Total risk-based capital ratio | 25.3717% | 840 |
| Memoranda: | ||
| Average total assets | $684,646,500 | 1,072 |
| Average earning assets | $608,489,000 | 1,113 |
| Average equity | $139,797,500 | 578 |
| Average total loans | $533,344,500 | 961 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8979% | 6 |
| Cost of funding earning assets | 2.2795% | 4 |
| Net interest margin | 18.6183% | 6 |
| Noninterest income to average assets | 2.7144% | 230 |
| Noninterest expense to average assets | 14.2269% | 49 |
| Loan and lease loss provision to assets | 3.0449% | 18 |
| Net operating income to assets | 1.0894% | 1,936 |
| Return on assets (ROA) | 1.0894% | 2,042 |
| Pretax return on assets | 1.9921% | 509 |
| Return on Equity (ROE) | 5.5467% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.5467% | 1,985 |
| Net charge-offs to loans | 3.8656% | 27 |
| Credit loss provision to net charge-offs | 100.6921% | 2,545 |
| Earnings coverage of net charge-offs (x) | 1.6657% | 3,957 |
| Efficiency ratio | 73.8527% | 2,307 |
| Assets per employee ($millions) | 1.7570% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5098% | 57 |
| Loan loss allowance to noncurrent loans | 155.2420% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 2.3113% | 539 |
| Noncurrent loans to loans | 2.9050% | 478 |
| Net loans and leases to total assets | 75.6349% | 1,575 |
| Net loans and leases to deposits | 102.6616% | 488 |
| Net loans and leases to core deposits | 381.9813% | 20 |
| Total domestic deposits to total assets | 73.6740% | 5,464 |
| Equity capital to assets | 20.2296% | 202 |
| Core capital (leverage) ratio | 20.2594% | 190 |
| Tier 1 risk-based capital ratio | 22.8886% | 972 |
| Total risk-based capital ratio | 24.1730% | 960 |
| Memoranda: | ||
| Average total assets | $688,071,800 | 1,035 |
| Average earning assets | $611,612,000 | 1,072 |
| Average equity | $135,144,200 | 585 |
| Average total loans | $538,262,200 | 919 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.7952% | 4 |
| Cost of funding earning assets | 2.2923% | 4 |
| Net interest margin | 18.5029% | 5 |
| Noninterest income to average assets | 2.6322% | 242 |
| Noninterest expense to average assets | 14.1772% | 48 |
| Loan and lease loss provision to assets | 2.9152% | 19 |
| Net operating income to assets | 1.0978% | 2,005 |
| Return on assets (ROA) | 1.0978% | 2,109 |
| Pretax return on assets | 1.9925% | 579 |
| Return on Equity (ROE) | 5.6311% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,410 |
| Net charge-offs to loans | 3.7151% | 26 |
| Credit loss provision to net charge-offs | 100.6214% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.6939% | 3,665 |
| Efficiency ratio | 74.2849% | 2,225 |
| Assets per employee ($millions) | 1.7925% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5810% | 55 |
| Loan loss allowance to noncurrent loans | 161.7402% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 649 |
| Noncurrent loans to loans | 2.8323% | 563 |
| Net loans and leases to total assets | 75.0915% | 1,686 |
| Net loans and leases to deposits | 101.8585% | 582 |
| Net loans and leases to core deposits | 377.6701% | 19 |
| Total domestic deposits to total assets | 73.7215% | 5,458 |
| Equity capital to assets | 20.2211% | 221 |
| Core capital (leverage) ratio | 20.1748% | 195 |
| Tier 1 risk-based capital ratio | 23.0161% | 1,001 |
| Total risk-based capital ratio | 24.3014% | 983 |
| Memoranda: | ||
| Average total assets | $688,781,250 | 1,037 |
| Average earning assets | $612,459,000 | 1,065 |
| Average equity | $134,275,250 | 594 |
| Average total loans | $537,139,500 | 918 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.6112% | 5 |
| Cost of funding earning assets | 2.3080% | 3 |
| Net interest margin | 18.3032% | 5 |
| Noninterest income to average assets | 2.5437% | 250 |
| Noninterest expense to average assets | 14.2747% | 48 |
| Loan and lease loss provision to assets | 2.5469% | 30 |
| Net operating income to assets | 1.0795% | 2,042 |
| Return on assets (ROA) | 1.0795% | 2,172 |
| Pretax return on assets | 1.9942% | 574 |
| Return on Equity (ROE) | 5.6057% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.6057% | 2,360 |
| Net charge-offs to loans | 3.8087% | 33 |
| Credit loss provision to net charge-offs | 86.0055% | 2,295 |
| Earnings coverage of net charge-offs (x) | 1.5335% | 3,399 |
| Efficiency ratio | 75.8657% | 2,102 |
| Assets per employee ($millions) | 1.8035% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3308% | 58 |
| Loan loss allowance to noncurrent loans | 166.7371% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 803 |
| Noncurrent loans to loans | 2.5974% | 649 |
| Net loans and leases to total assets | 74.5949% | 1,717 |
| Net loans and leases to deposits | 100.1735% | 685 |
| Net loans and leases to core deposits | 375.2031% | 22 |
| Total domestic deposits to total assets | 74.4657% | 5,471 |
| Equity capital to assets | 19.9247% | 223 |
| Core capital (leverage) ratio | 19.9751% | 197 |
| Tier 1 risk-based capital ratio | 22.8078% | 1,036 |
| Total risk-based capital ratio | 24.0901% | 1,015 |
| Memoranda: | ||
| Average total assets | $692,525,330 | 1,035 |
| Average earning assets | $615,675,000 | 1,059 |
| Average equity | $133,364,330 | 601 |
| Average total loans | $538,450,000 | 908 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.6895% | 4 |
| Cost of funding earning assets | 2.3501% | 3 |
| Net interest margin | 18.3394% | 6 |
| Noninterest income to average assets | 2.6198% | 238 |
| Noninterest expense to average assets | 14.2419% | 47 |
| Loan and lease loss provision to assets | 2.6690% | 27 |
| Net operating income to assets | 1.1736% | 1,633 |
| Return on assets (ROA) | 1.1736% | 1,737 |
| Pretax return on assets | 2.0133% | 548 |
| Return on Equity (ROE) | 6.1981% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.1981% | 2,279 |
| Net charge-offs to loans | 3.6936% | 26 |
| Credit loss provision to net charge-offs | 93.0636% | 1,739 |
| Earnings coverage of net charge-offs (x) | 1.6326% | 2,790 |
| Efficiency ratio | 75.2575% | 2,285 |
| Assets per employee ($millions) | 1.8907% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5157% | 64 |
| Loan loss allowance to noncurrent loans | 159.3053% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 748 |
| Noncurrent loans to loans | 2.8346% | 602 |
| Net loans and leases to total assets | 73.6939% | 1,778 |
| Net loans and leases to deposits | 97.2467% | 821 |
| Net loans and leases to core deposits | 365.5617% | 20 |
| Total domestic deposits to total assets | 75.7803% | 5,431 |
| Equity capital to assets | 19.3952% | 240 |
| Core capital (leverage) ratio | 18.9391% | 237 |
| Tier 1 risk-based capital ratio | 22.4757% | 1,094 |
| Total risk-based capital ratio | 23.7601% | 1,060 |
| Memoranda: | ||
| Average total assets | $699,736,500 | 1,027 |
| Average earning assets | $622,093,000 | 1,054 |
| Average equity | $132,491,500 | 602 |
| Average total loans | $543,311,000 | 902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.5154% | 6 |
| Cost of funding earning assets | 2.3558% | 4 |
| Net interest margin | 18.1596% | 6 |
| Noninterest income to average assets | 2.4056% | 277 |
| Noninterest expense to average assets | 12.6588% | 59 |
| Loan and lease loss provision to assets | 3.1223% | 13 |
| Net operating income to assets | 1.4194% | 1,007 |
| Return on assets (ROA) | 1.4194% | 1,044 |
| Pretax return on assets | 2.7774% | 144 |
| Return on Equity (ROE) | 7.9196% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.9196% | 943 |
| Net charge-offs to loans | 3.6910% | 18 |
| Credit loss provision to net charge-offs | 111.0454% | 2,276 |
| Earnings coverage of net charge-offs (x) | 2.0982% | 3,976 |
| Efficiency ratio | 68.2104% | 3,526 |
| Assets per employee ($millions) | 1.9276% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3806% | 68 |
| Loan loss allowance to noncurrent loans | 151.6925% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 2.2652% | 737 |
| Noncurrent loans to loans | 2.8878% | 576 |
| Net loans and leases to total assets | 74.6749% | 1,617 |
| Net loans and leases to deposits | 96.9598% | 913 |
| Net loans and leases to core deposits | 373.9304% | 20 |
| Total domestic deposits to total assets | 77.0164% | 5,312 |
| Equity capital to assets | 18.4887% | 279 |
| Core capital (leverage) ratio | 18.5191% | 263 |
| Tier 1 risk-based capital ratio | 21.2215% | 1,261 |
| Total risk-based capital ratio | 22.5046% | 1,239 |
| Memoranda: | ||
| Average total assets | $715,786,200 | 968 |
| Average earning assets | $636,688,800 | 996 |
| Average equity | $128,288,600 | 592 |
| Average total loans | $545,275,600 | 860 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.4550% | 5 |
| Cost of funding earning assets | 2.3822% | 3 |
| Net interest margin | 18.0728% | 6 |
| Noninterest income to average assets | 2.2925% | 295 |
| Noninterest expense to average assets | 12.0326% | 63 |
| Loan and lease loss provision to assets | 2.9619% | 15 |
| Net operating income to assets | 1.7586% | 565 |
| Return on assets (ROA) | 1.7586% | 585 |
| Pretax return on assets | 3.3798% | 97 |
| Return on Equity (ROE) | 9.8896% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.8896% | 651 |
| Net charge-offs to loans | 3.6914% | 24 |
| Credit loss provision to net charge-offs | 105.9896% | 2,171 |
| Earnings coverage of net charge-offs (x) | 2.2693% | 3,693 |
| Efficiency ratio | 65.4861% | 3,976 |
| Assets per employee ($millions) | 1.9403% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1844% | 84 |
| Loan loss allowance to noncurrent loans | 152.4750% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 2.1187% | 930 |
| Noncurrent loans to loans | 2.7443% | 688 |
| Net loans and leases to total assets | 73.5909% | 1,807 |
| Net loans and leases to deposits | 95.6460% | 1,041 |
| Net loans and leases to core deposits | 336.4648% | 25 |
| Total domestic deposits to total assets | 76.9409% | 5,347 |
| Equity capital to assets | 18.2767% | 323 |
| Core capital (leverage) ratio | 18.3981% | 275 |
| Tier 1 risk-based capital ratio | 21.2657% | 1,297 |
| Total risk-based capital ratio | 22.5465% | 1,279 |
| Memoranda: | ||
| Average total assets | $716,914,750 | 973 |
| Average earning assets | $637,931,250 | 1,001 |
| Average equity | $127,484,500 | 604 |
| Average total loans | $542,725,750 | 871 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.4081% | 5 |
| Cost of funding earning assets | 2.4390% | 3 |
| Net interest margin | 17.9690% | 6 |
| Noninterest income to average assets | 2.1856% | 322 |
| Noninterest expense to average assets | 11.0581% | 73 |
| Loan and lease loss provision to assets | 3.0278% | 14 |
| Net operating income to assets | 2.1720% | 271 |
| Return on assets (ROA) | 2.1720% | 287 |
| Pretax return on assets | 4.0765% | 80 |
| Return on Equity (ROE) | 12.3282% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.3282% | 366 |
| Net charge-offs to loans | 4.0664% | 21 |
| Credit loss provision to net charge-offs | 98.8349% | 2,088 |
| Earnings coverage of net charge-offs (x) | 2.3190% | 3,364 |
| Efficiency ratio | 60.8847% | 4,850 |
| Assets per employee ($millions) | 1.9541% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9981% | 105 |
| Loan loss allowance to noncurrent loans | 158.0188% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.9506% | 1,140 |
| Noncurrent loans to loans | 2.5302% | 877 |
| Net loans and leases to total assets | 73.5984% | 1,728 |
| Net loans and leases to deposits | 97.9213% | 801 |
| Net loans and leases to core deposits | 335.2347% | 27 |
| Total domestic deposits to total assets | 75.1608% | 5,690 |
| Equity capital to assets | 18.0216% | 337 |
| Core capital (leverage) ratio | 17.9506% | 294 |
| Tier 1 risk-based capital ratio | 20.7231% | 1,421 |
| Total risk-based capital ratio | 22.0012% | 1,389 |
| Memoranda: | ||
| Average total assets | $717,230,330 | 973 |
| Average earning assets | $637,707,670 | 1,001 |
| Average equity | $126,361,000 | 606 |
| Average total loans | $540,335,330 | 872 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.7188% | 3 |
| Cost of funding earning assets | 1.8879% | 6 |
| Net interest margin | 18.8309% | 4 |
| Noninterest income to average assets | 1.5325% | 520 |
| Noninterest expense to average assets | 10.4966% | 77 |
| Loan and lease loss provision to assets | 4.1374% | 10 |
| Net operating income to assets | 2.2547% | 212 |
| Return on assets (ROA) | 2.2547% | 225 |
| Pretax return on assets | 3.6584% | 99 |
| Return on Equity (ROE) | 12.9460% | 1,107 |
| Retained earnings to average equity (ytd only) | 12.9460% | 452 |
| Net charge-offs to loans | 4.2569% | 24 |
| Credit loss provision to net charge-offs | 130.1579% | 1,369 |
| Earnings coverage of net charge-offs (x) | 2.4525% | 2,751 |
| Efficiency ratio | 57.3824% | 5,403 |
| Assets per employee ($millions) | 1.9712% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2987% | 101 |
| Loan loss allowance to noncurrent loans | 143.9210% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2762% | 992 |
| Noncurrent loans to loans | 2.9868% | 726 |
| Net loans and leases to total assets | 72.5415% | 1,726 |
| Net loans and leases to deposits | 99.4069% | 595 |
| Net loans and leases to core deposits | 325.1845% | 28 |
| Total domestic deposits to total assets | 72.9743% | 5,980 |
| Equity capital to assets | 17.1683% | 407 |
| Core capital (leverage) ratio | 16.8538% | 372 |
| Tier 1 risk-based capital ratio | 20.0083% | 1,615 |
| Total risk-based capital ratio | 21.2897% | 1,573 |
| Memoranda: | ||
| Average total assets | $717,259,500 | 969 |
| Average earning assets | $638,376,000 | 1,003 |
| Average equity | $124,918,500 | 612 |
| Average total loans | $535,598,500 | 876 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.1600% | 5 |
| Cost of funding earning assets | 1.8976% | 9 |
| Net interest margin | 18.2624% | 5 |
| Noninterest income to average assets | 3.0502% | 188 |
| Noninterest expense to average assets | 14.2664% | 51 |
| Loan and lease loss provision to assets | 3.2196% | 14 |
| Net operating income to assets | 1.0569% | 2,137 |
| Return on assets (ROA) | 1.0569% | 2,200 |
| Pretax return on assets | 1.8506% | 712 |
| Return on Equity (ROE) | 5.9674% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.9674% | 1,950 |
| Net charge-offs to loans | 3.5759% | 22 |
| Credit loss provision to net charge-offs | 133.2113% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.0978% | 4,246 |
| Efficiency ratio | 73.7792% | 2,869 |
| Assets per employee ($millions) | 1.8802% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2777% | 111 |
| Loan loss allowance to noncurrent loans | 235.2628% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 2,078 |
| Noncurrent loans to loans | 1.8183% | 1,578 |
| Net loans and leases to total assets | 70.3567% | 2,180 |
| Net loans and leases to deposits | 90.7853% | 1,435 |
| Net loans and leases to core deposits | 289.1596% | 31 |
| Total domestic deposits to total assets | 77.4979% | 5,525 |
| Equity capital to assets | 17.6738% | 342 |
| Core capital (leverage) ratio | 17.5927% | 317 |
| Tier 1 risk-based capital ratio | 20.7215% | 1,464 |
| Total risk-based capital ratio | 22.0157% | 1,426 |
| Memoranda: | ||
| Average total assets | $689,555,600 | 971 |
| Average earning assets | $614,945,800 | 995 |
| Average equity | $122,130,600 | 598 |
| Average total loans | $466,063,200 | 953 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8392% | 5 |
| Cost of funding earning assets | 1.8739% | 12 |
| Net interest margin | 17.9652% | 6 |
| Noninterest income to average assets | 3.1188% | 184 |
| Noninterest expense to average assets | 14.1131% | 50 |
| Loan and lease loss provision to assets | 3.2659% | 15 |
| Net operating income to assets | 0.9603% | 2,639 |
| Return on assets (ROA) | 0.9603% | 2,716 |
| Pretax return on assets | 1.7479% | 985 |
| Return on Equity (ROE) | 5.4191% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.4191% | 2,815 |
| Net charge-offs to loans | 3.5500% | 20 |
| Credit loss provision to net charge-offs | 139.2345% | 1,687 |
| Earnings coverage of net charge-offs (x) | 2.1375% | 3,985 |
| Efficiency ratio | 73.7867% | 2,854 |
| Assets per employee ($millions) | 1.7461% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2467% | 131 |
| Loan loss allowance to noncurrent loans | 261.5168% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 2,543 |
| Noncurrent loans to loans | 1.6239% | 2,010 |
| Net loans and leases to total assets | 70.2042% | 2,164 |
| Net loans and leases to deposits | 91.4890% | 1,284 |
| Net loans and leases to core deposits | 271.5152% | 34 |
| Total domestic deposits to total assets | 76.7351% | 5,722 |
| Equity capital to assets | 17.8505% | 349 |
| Core capital (leverage) ratio | 17.4470% | 329 |
| Tier 1 risk-based capital ratio | 21.0390% | 1,444 |
| Total risk-based capital ratio | 22.3306% | 1,413 |
| Memoranda: | ||
| Average total assets | $686,143,250 | 986 |
| Average earning assets | $611,394,750 | 1,013 |
| Average equity | $121,592,500 | 598 |
| Average total loans | $453,363,500 | 977 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.4564% | 6 |
| Cost of funding earning assets | 1.8624% | 13 |
| Net interest margin | 17.5939% | 6 |
| Noninterest income to average assets | 2.9984% | 189 |
| Noninterest expense to average assets | 13.5152% | 52 |
| Loan and lease loss provision to assets | 3.1990% | 13 |
| Net operating income to assets | 1.0156% | 2,268 |
| Return on assets (ROA) | 1.0156% | 2,335 |
| Pretax return on assets | 1.9228% | 652 |
| Return on Equity (ROE) | 5.7448% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.7448% | 2,486 |
| Net charge-offs to loans | 3.8563% | 27 |
| Credit loss provision to net charge-offs | 130.2966% | 1,607 |
| Earnings coverage of net charge-offs (x) | 2.0861% | 3,645 |
| Efficiency ratio | 72.5180% | 3,242 |
| Assets per employee ($millions) | 1.7714% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1143% | 161 |
| Loan loss allowance to noncurrent loans | 280.3605% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 3,045 |
| Noncurrent loans to loans | 1.4675% | 2,362 |
| Net loans and leases to total assets | 65.2020% | 2,880 |
| Net loans and leases to deposits | 84.9905% | 1,928 |
| Net loans and leases to core deposits | 258.0306% | 35 |
| Total domestic deposits to total assets | 76.7169% | 5,830 |
| Equity capital to assets | 17.7996% | 340 |
| Core capital (leverage) ratio | 17.4587% | 329 |
| Tier 1 risk-based capital ratio | 21.5814% | 1,330 |
| Total risk-based capital ratio | 22.8846% | 1,299 |
| Memoranda: | ||
| Average total assets | $686,707,000 | 983 |
| Average earning assets | $610,391,670 | 1,017 |
| Average equity | $121,397,330 | 593 |
| Average total loans | $437,209,670 | 1,007 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.3021% | 5 |
| Cost of funding earning assets | 1.9014% | 11 |
| Net interest margin | 17.4007% | 5 |
| Noninterest income to average assets | 2.6243% | 221 |
| Noninterest expense to average assets | 12.9749% | 52 |
| Loan and lease loss provision to assets | 3.0776% | 17 |
| Net operating income to assets | 1.2683% | 1,299 |
| Return on assets (ROA) | 1.2683% | 1,350 |
| Pretax return on assets | 2.0401% | 491 |
| Return on Equity (ROE) | 7.1987% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.1987% | 1,938 |
| Net charge-offs to loans | 3.7747% | 40 |
| Credit loss provision to net charge-offs | 132.5407% | 1,362 |
| Earnings coverage of net charge-offs (x) | 2.2040% | 2,928 |
| Efficiency ratio | 71.7136% | 3,540 |
| Assets per employee ($millions) | 1.7528% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1049% | 178 |
| Loan loss allowance to noncurrent loans | 232.2333% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 2,957 |
| Noncurrent loans to loans | 1.7676% | 2,178 |
| Net loans and leases to total assets | 61.8795% | 3,257 |
| Net loans and leases to deposits | 81.5180% | 2,096 |
| Net loans and leases to core deposits | 237.4436% | 38 |
| Total domestic deposits to total assets | 75.9090% | 6,085 |
| Equity capital to assets | 17.9983% | 325 |
| Core capital (leverage) ratio | 16.7905% | 386 |
| Tier 1 risk-based capital ratio | 22.4976% | 1,213 |
| Total risk-based capital ratio | 23.8099% | 1,178 |
| Memoranda: | ||
| Average total assets | $688,188,500 | 988 |
| Average earning assets | $611,769,000 | 1,020 |
| Average equity | $121,244,000 | 599 |
| Average total loans | $423,342,500 | 1,041 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.0162% | 5 |
| Cost of funding earning assets | 1.6983% | 27 |
| Net interest margin | 18.3179% | 6 |
| Noninterest income to average assets | 4.1144% | 161 |
| Noninterest expense to average assets | 15.7319% | 48 |
| Loan and lease loss provision to assets | 2.3447% | 34 |
| Net operating income to assets | 1.1110% | 1,899 |
| Return on assets (ROA) | 1.1110% | 1,967 |
| Pretax return on assets | 1.8238% | 714 |
| Return on Equity (ROE) | 6.1793% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1793% | 1,867 |
| Net charge-offs to loans | 3.5774% | 49 |
| Credit loss provision to net charge-offs | 127.5967% | 1,843 |
| Earnings coverage of net charge-offs (x) | 2.2685% | 4,260 |
| Efficiency ratio | 79.0529% | 2,308 |
| Assets per employee ($millions) | 1.7153% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0306% | 201 |
| Loan loss allowance to noncurrent loans | 218.1208% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 3,218 |
| Noncurrent loans to loans | 1.8479% | 2,175 |
| Net loans and leases to total assets | 56.2547% | 4,278 |
| Net loans and leases to deposits | 73.2136% | 3,370 |
| Net loans and leases to core deposits | 215.2112% | 40 |
| Total domestic deposits to total assets | 76.8364% | 5,998 |
| Equity capital to assets | 17.2519% | 377 |
| Core capital (leverage) ratio | 16.1721% | 453 |
| Tier 1 risk-based capital ratio | 21.9581% | 1,263 |
| Total risk-based capital ratio | 23.3110% | 1,217 |
| Memoranda: | ||
| Average total assets | $661,186,200 | 1,011 |
| Average earning assets | $569,798,000 | 1,068 |
| Average equity | $118,880,600 | 602 |
| Average total loans | $339,633,600 | 1,258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.0226% | 5 |
| Cost of funding earning assets | 1.6066% | 39 |
| Net interest margin | 18.4160% | 6 |
| Noninterest income to average assets | 4.6742% | 150 |
| Noninterest expense to average assets | 16.3707% | 47 |
| Loan and lease loss provision to assets | 1.8835% | 46 |
| Net operating income to assets | 1.3218% | 1,288 |
| Return on assets (ROA) | 1.3218% | 1,345 |
| Pretax return on assets | 2.1606% | 427 |
| Return on Equity (ROE) | 7.2724% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.2724% | 1,754 |
| Net charge-offs to loans | 3.3965% | 61 |
| Credit loss provision to net charge-offs | 112.2255% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.4096% | 4,031 |
| Efficiency ratio | 80.1902% | 2,065 |
| Assets per employee ($millions) | 1.7433% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9817% | 242 |
| Loan loss allowance to noncurrent loans | 239.7438% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 3,950 |
| Noncurrent loans to loans | 1.6608% | 2,693 |
| Net loans and leases to total assets | 49.3127% | 5,212 |
| Net loans and leases to deposits | 63.0086% | 4,629 |
| Net loans and leases to core deposits | 170.8973% | 52 |
| Total domestic deposits to total assets | 78.2634% | 5,864 |
| Equity capital to assets | 17.3092% | 383 |
| Core capital (leverage) ratio | 17.5164% | 335 |
| Tier 1 risk-based capital ratio | 23.0145% | 1,142 |
| Total risk-based capital ratio | 24.3960% | 1,101 |
| Memoranda: | ||
| Average total assets | $651,097,500 | 1,029 |
| Average earning assets | $556,510,000 | 1,101 |
| Average equity | $118,343,500 | 607 |
| Average total loans | $321,735,750 | 1,326 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.4026% | 5 |
| Cost of funding earning assets | 1.5934% | 43 |
| Net interest margin | 18.8092% | 6 |
| Noninterest income to average assets | 4.8473% | 152 |
| Noninterest expense to average assets | 16.8244% | 44 |
| Loan and lease loss provision to assets | 1.3227% | 114 |
| Net operating income to assets | 1.7159% | 606 |
| Return on assets (ROA) | 1.7159% | 660 |
| Pretax return on assets | 2.7592% | 190 |
| Return on Equity (ROE) | 9.2795% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.2795% | 1,039 |
| Net charge-offs to loans | 3.5327% | 74 |
| Credit loss provision to net charge-offs | 76.8725% | 2,687 |
| Earnings coverage of net charge-offs (x) | 2.3723% | 3,729 |
| Efficiency ratio | 80.4751% | 2,091 |
| Assets per employee ($millions) | 1.4969% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8654% | 285 |
| Loan loss allowance to noncurrent loans | 244.4990% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 4,214 |
| Noncurrent loans to loans | 1.5809% | 2,938 |
| Net loans and leases to total assets | 48.0974% | 5,323 |
| Net loans and leases to deposits | 63.9095% | 4,521 |
| Net loans and leases to core deposits | 149.5431% | 96 |
| Total domestic deposits to total assets | 75.2587% | 6,332 |
| Equity capital to assets | 19.3722% | 239 |
| Core capital (leverage) ratio | 18.2064% | 278 |
| Tier 1 risk-based capital ratio | 26.6851% | 719 |
| Total risk-based capital ratio | 28.1195% | 693 |
| Memoranda: | ||
| Average total assets | $636,267,330 | 1,060 |
| Average earning assets | $543,235,000 | 1,127 |
| Average equity | $117,657,670 | 611 |
| Average total loans | $309,902,000 | 1,368 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.3557% | 5 |
| Cost of funding earning assets | 1.5144% | 56 |
| Net interest margin | 18.8414% | 5 |
| Noninterest income to average assets | 4.6157% | 163 |
| Noninterest expense to average assets | 16.8460% | 47 |
| Loan and lease loss provision to assets | 1.3954% | 104 |
| Net operating income to assets | 1.4648% | 923 |
| Return on assets (ROA) | 1.4648% | 1,005 |
| Pretax return on assets | 2.3543% | 327 |
| Return on Equity (ROE) | 8.1061% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.1061% | 1,715 |
| Net charge-offs to loans | 3.3682% | 97 |
| Credit loss provision to net charge-offs | 86.1792% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,073 |
| Efficiency ratio | 81.7938% | 2,070 |
| Assets per employee ($millions) | 1.5953% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0497% | 279 |
| Loan loss allowance to noncurrent loans | 207.8042% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 3,962 |
| Noncurrent loans to loans | 1.9488% | 2,680 |
| Net loans and leases to total assets | 47.7519% | 5,251 |
| Net loans and leases to deposits | 62.7712% | 4,447 |
| Net loans and leases to core deposits | 148.2507% | 99 |
| Total domestic deposits to total assets | 76.0730% | 6,356 |
| Equity capital to assets | 18.3314% | 312 |
| Core capital (leverage) ratio | 16.8803% | 365 |
| Tier 1 risk-based capital ratio | 25.6357% | 825 |
| Total risk-based capital ratio | 27.0383% | 801 |
| Memoranda: | ||
| Average total assets | $645,282,500 | 1,054 |
| Average earning assets | $547,285,500 | 1,127 |
| Average equity | $116,603,500 | 625 |
| Average total loans | $310,197,000 | 1,373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.7103% | 5 |
| Cost of funding earning assets | 1.4047% | 251 |
| Net interest margin | 19.3057% | 5 |
| Noninterest income to average assets | 5.4945% | 130 |
| Noninterest expense to average assets | 17.0982% | 45 |
| Loan and lease loss provision to assets | 2.3918% | 67 |
| Net operating income to assets | 0.9052% | 2,786 |
| Return on assets (ROA) | 0.9052% | 3,029 |
| Pretax return on assets | 1.4422% | 1,883 |
| Return on Equity (ROE) | 4.4499% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.4499% | 3,104 |
| Net charge-offs to loans | 3.7154% | 89 |
| Credit loss provision to net charge-offs | 247.0157% | 994 |
| Earnings coverage of net charge-offs (x) | 3.9595% | 3,534 |
| Efficiency ratio | 81.6838% | 1,916 |
| Assets per employee ($millions) | 1.5068% | 6,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3664% | 215 |
| Loan loss allowance to noncurrent loans | 233.4393% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 4,283 |
| Noncurrent loans to loans | 1.8705% | 2,835 |
| Net loans and leases to total assets | 44.3863% | 5,784 |
| Net loans and leases to deposits | 57.5184% | 5,294 |
| Net loans and leases to core deposits | 139.4817% | 131 |
| Total domestic deposits to total assets | 77.1688% | 6,204 |
| Equity capital to assets | 17.8146% | 340 |
| Core capital (leverage) ratio | 17.0837% | 346 |
| Tier 1 risk-based capital ratio | 23.5090% | 1,036 |
| Total risk-based capital ratio | 24.9154% | 993 |
| Memoranda: | ||
| Average total assets | $564,088,200 | 1,175 |
| Average earning assets | $451,069,200 | 1,347 |
| Average equity | $114,744,600 | 627 |
| Average total loans | $147,009,000 | 2,620 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.4142% | 5 |
| Cost of funding earning assets | 1.3442% | 365 |
| Net interest margin | 19.0699% | 6 |
| Noninterest income to average assets | 5.9954% | 117 |
| Noninterest expense to average assets | 18.5975% | 41 |
| Loan and lease loss provision to assets | 1.2765% | 274 |
| Net operating income to assets | 0.7523% | 3,685 |
| Return on assets (ROA) | 0.7523% | 3,938 |
| Pretax return on assets | 1.2010% | 2,990 |
| Return on Equity (ROE) | 3.5648% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.5648% | 4,367 |
| Net charge-offs to loans | 3.0427% | 178 |
| Credit loss provision to net charge-offs | 210.4217% | 1,312 |
| Earnings coverage of net charge-offs (x) | 4.0839% | 3,409 |
| Efficiency ratio | 88.2447% | 1,165 |
| Assets per employee ($millions) | 1.5109% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3990% | 232 |
| Loan loss allowance to noncurrent loans | 250.7127% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 5,355 |
| Noncurrent loans to loans | 1.7546% | 3,146 |
| Net loans and leases to total assets | 27.9722% | 6,879 |
| Net loans and leases to deposits | 38.7125% | 6,728 |
| Net loans and leases to core deposits | 82.9435% | 2,833 |
| Total domestic deposits to total assets | 72.2561% | 6,731 |
| Equity capital to assets | 19.2919% | 276 |
| Core capital (leverage) ratio | 18.8024% | 257 |
| Tier 1 risk-based capital ratio | 28.7910% | 601 |
| Total risk-based capital ratio | 30.3035% | 573 |
| Memoranda: | ||
| Average total assets | $542,001,250 | 1,247 |
| Average earning assets | $428,587,000 | 1,423 |
| Average equity | $114,373,500 | 631 |
| Average total loans | $108,057,750 | 3,364 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.1307% | 5 |
| Cost of funding earning assets | 1.3682% | 394 |
| Net interest margin | 18.7624% | 6 |
| Noninterest income to average assets | 6.4240% | 107 |
| Noninterest expense to average assets | 19.3206% | 40 |
| Loan and lease loss provision to assets | 0.0927% | 4,402 |
| Net operating income to assets | 1.0230% | 2,370 |
| Return on assets (ROA) | 1.0230% | 2,597 |
| Pretax return on assets | 1.6272% | 1,468 |
| Return on Equity (ROE) | 4.6887% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.6887% | 3,493 |
| Net charge-offs to loans | 3.2675% | 169 |
| Credit loss provision to net charge-offs | 17.4672% | 4,648 |
| Earnings coverage of net charge-offs (x) | 3.2402% | 3,442 |
| Efficiency ratio | 91.8255% | 936 |
| Assets per employee ($millions) | 1.2421% | 7,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4666% | 236 |
| Loan loss allowance to noncurrent loans | 316.2899% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 6,110 |
| Noncurrent loans to loans | 1.4122% | 3,799 |
| Net loans and leases to total assets | 16.8373% | 7,124 |
| Net loans and leases to deposits | 24.8690% | 7,082 |
| Net loans and leases to core deposits | 41.9790% | 6,734 |
| Total domestic deposits to total assets | 67.7041% | 7,007 |
| Equity capital to assets | 22.6819% | 138 |
| Core capital (leverage) ratio | 20.1140% | 199 |
| Tier 1 risk-based capital ratio | 37.8509% | 281 |
| Total risk-based capital ratio | 39.3210% | 266 |
| Memoranda: | ||
| Average total assets | $517,686,000 | 1,308 |
| Average earning assets | $403,295,330 | 1,516 |
| Average equity | $112,953,000 | 635 |
| Average total loans | $84,100,670 | 3,971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.6013% | 5 |
| Cost of funding earning assets | 1.4514% | 349 |
| Net interest margin | 18.1500% | 5 |
| Noninterest income to average assets | 7.3371% | 96 |
| Noninterest expense to average assets | 18.9535% | 37 |
| Loan and lease loss provision to assets | -0.8111% | 7,282 |
| Net operating income to assets | 2.0533% | 380 |
| Return on assets (ROA) | 2.0533% | 442 |
| Pretax return on assets | 3.2530% | 145 |
| Return on Equity (ROE) | 9.5991% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.5991% | 1,381 |
| Net charge-offs to loans | 3.6222% | 177 |
| Credit loss provision to net charge-offs | -143.9124% | 5,546 |
| Earnings coverage of net charge-offs (x) | 4.3324% | 2,594 |
| Efficiency ratio | 88.5870% | 1,217 |
| Assets per employee ($millions) | 1.2458% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0445% | 173 |
| Loan loss allowance to noncurrent loans | 280.8072% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 6,263 |
| Noncurrent loans to loans | 1.7964% | 3,416 |
| Net loans and leases to total assets | 12.2934% | 7,227 |
| Net loans and leases to deposits | 17.8495% | 7,208 |
| Net loans and leases to core deposits | 28.6648% | 7,094 |
| Total domestic deposits to total assets | 68.8728% | 7,026 |
| Equity capital to assets | 21.6856% | 153 |
| Core capital (leverage) ratio | 19.5994% | 217 |
| Tier 1 risk-based capital ratio | 41.2803% | 210 |
| Total risk-based capital ratio | 42.6265% | 204 |
| Memoranda: | ||
| Average total assets | $518,786,000 | 1,311 |
| Average earning assets | $401,830,000 | 1,514 |
| Average equity | $110,968,500 | 639 |
| Average total loans | $80,725,000 | 4,105 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.7062% | 5 |
| Cost of funding earning assets | 1.7930% | 217 |
| Net interest margin | 19.9132% | 5 |
| Noninterest income to average assets | 7.1858% | 85 |
| Noninterest expense to average assets | 19.4537% | 33 |
| Loan and lease loss provision to assets | 0.7801% | 1,276 |
| Net operating income to assets | 1.2531% | 1,372 |
| Return on assets (ROA) | 1.2531% | 1,468 |
| Pretax return on assets | 2.0278% | 503 |
| Return on Equity (ROE) | 5.8088% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.8088% | 2,118 |
| Net charge-offs to loans | 6.5403% | 40 |
| Credit loss provision to net charge-offs | 86.7111% | 4,169 |
| Earnings coverage of net charge-offs (x) | 3.1211% | 3,648 |
| Efficiency ratio | 87.3871% | 1,408 |
| Assets per employee ($millions) | 1.1560% | 7,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5309% | 129 |
| Loan loss allowance to noncurrent loans | 247.4738% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,909 |
| Noncurrent loans to loans | 2.2350% | 2,919 |
| Net loans and leases to total assets | 17.1996% | 7,237 |
| Net loans and leases to deposits | 24.1730% | 7,206 |
| Net loans and leases to core deposits | 38.9137% | 6,970 |
| Total domestic deposits to total assets | 71.1519% | 6,919 |
| Equity capital to assets | 21.0908% | 186 |
| Core capital (leverage) ratio | 19.4559% | 219 |
| Tier 1 risk-based capital ratio | 36.4561% | 299 |
| Total risk-based capital ratio | 38.1506% | 287 |
| Memoranda: | ||
| Average total assets | $500,209,200 | 1,342 |
| Average earning assets | $378,694,400 | 1,567 |
| Average equity | $107,904,400 | 640 |
| Average total loans | $68,804,000 | 4,538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.1620% | 6 |
| Cost of funding earning assets | 1.8526% | 206 |
| Net interest margin | 20.3094% | 6 |
| Noninterest income to average assets | 6.8814% | 91 |
| Noninterest expense to average assets | 19.6695% | 33 |
| Loan and lease loss provision to assets | 0.1770% | 4,261 |
| Net operating income to assets | 1.4065% | 1,134 |
| Return on assets (ROA) | 1.4065% | 1,215 |
| Pretax return on assets | 2.2413% | 400 |
| Return on Equity (ROE) | 6.4824% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.4824% | 2,250 |
| Net charge-offs to loans | 7.3107% | 28 |
| Credit loss provision to net charge-offs | 19.2184% | 5,573 |
| Earnings coverage of net charge-offs (x) | 2.6255% | 3,803 |
| Efficiency ratio | 89.0513% | 1,243 |
| Assets per employee ($millions) | 1.1613% | 7,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8284% | 103 |
| Loan loss allowance to noncurrent loans | 310.3803% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 6,550 |
| Noncurrent loans to loans | 1.8778% | 3,534 |
| Net loans and leases to total assets | 9.4206% | 7,369 |
| Net loans and leases to deposits | 13.4766% | 7,362 |
| Net loans and leases to core deposits | 21.8789% | 7,315 |
| Total domestic deposits to total assets | 69.9035% | 7,045 |
| Equity capital to assets | 21.6144% | 179 |
| Core capital (leverage) ratio | 20.0242% | 220 |
| Tier 1 risk-based capital ratio | 35.7948% | 323 |
| Total risk-based capital ratio | 36.8655% | 324 |
| Memoranda: | ||
| Average total assets | $496,363,000 | 1,349 |
| Average earning assets | $371,647,750 | 1,605 |
| Average equity | $107,694,750 | 647 |
| Average total loans | $62,537,000 | 4,808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.6872% | 6 |
| Cost of funding earning assets | 1.8669% | 244 |
| Net interest margin | 17.8203% | 6 |
| Noninterest income to average assets | 6.5389% | 104 |
| Noninterest expense to average assets | 18.4453% | 37 |
| Loan and lease loss provision to assets | 0.5466% | 1,777 |
| Net operating income to assets | 0.6934% | 3,573 |
| Return on assets (ROA) | 0.6934% | 3,692 |
| Pretax return on assets | 1.1170% | 2,780 |
| Return on Equity (ROE) | 3.1917% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.1917% | 4,242 |
| Net charge-offs to loans | 8.4101% | 31 |
| Credit loss provision to net charge-offs | 48.0935% | 4,630 |
| Earnings coverage of net charge-offs (x) | 1.4637% | 4,186 |
| Efficiency ratio | 91.7268% | 1,108 |
| Assets per employee ($millions) | 1.0464% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3562% | 82 |
| Loan loss allowance to noncurrent loans | 339.6094% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,447 |
| Noncurrent loans to loans | 1.8716% | 3,652 |
| Net loans and leases to total assets | 12.6978% | 7,429 |
| Net loans and leases to deposits | 17.9810% | 7,419 |
| Net loans and leases to core deposits | 26.8094% | 7,357 |
| Total domestic deposits to total assets | 70.6181% | 7,079 |
| Equity capital to assets | 21.4691% | 197 |
| Core capital (leverage) ratio | 17.9696% | 331 |
| Tier 1 risk-based capital ratio | 36.9855% | 302 |
| Total risk-based capital ratio | 38.6358% | 286 |
| Memoranda: | ||
| Average total assets | $489,164,000 | 1,372 |
| Average earning assets | $372,495,670 | 1,619 |
| Average equity | $106,275,000 | 655 |
| Average total loans | $66,111,000 | 4,726 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.5385% | 7 |
| Cost of funding earning assets | 1.8638% | 295 |
| Net interest margin | 17.6747% | 8 |
| Noninterest income to average assets | 6.8917% | 103 |
| Noninterest expense to average assets | 19.4889% | 37 |
| Loan and lease loss provision to assets | 0.1935% | 3,695 |
| Net operating income to assets | 0.3314% | 5,264 |
| Return on assets (ROA) | 0.3314% | 5,341 |
| Pretax return on assets | 0.5449% | 4,882 |
| Return on Equity (ROE) | 1.5161% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.5161% | 5,205 |
| Net charge-offs to loans | 9.8689% | 39 |
| Credit loss provision to net charge-offs | 14.5352% | 4,335 |
| Earnings coverage of net charge-offs (x) | 0.5546% | 4,204 |
| Efficiency ratio | 96.3494% | 903 |
| Assets per employee ($millions) | 0.9765% | 7,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2675% | 52 |
| Loan loss allowance to noncurrent loans | 294.0785% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 6,369 |
| Noncurrent loans to loans | 2.4713% | 3,022 |
| Net loans and leases to total assets | 11.7154% | 7,493 |
| Net loans and leases to deposits | 16.8545% | 7,486 |
| Net loans and leases to core deposits | 22.9171% | 7,451 |
| Total domestic deposits to total assets | 69.5089% | 7,204 |
| Equity capital to assets | 21.6303% | 180 |
| Core capital (leverage) ratio | 17.9387% | 335 |
| Tier 1 risk-based capital ratio | 37.6857% | 280 |
| Total risk-based capital ratio | 39.3237% | 267 |
| Memoranda: | ||
| Average total assets | $481,565,500 | 1,402 |
| Average earning assets | $363,344,000 | 1,656 |
| Average equity | $105,271,500 | 657 |
| Average total loans | $64,971,500 | 4,807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.4729% | 5 |
| Cost of funding earning assets | 2.2347% | 271 |
| Net interest margin | 19.2382% | 5 |
| Noninterest income to average assets | 7.9092% | 84 |
| Noninterest expense to average assets | 18.2730% | 43 |
| Loan and lease loss provision to assets | 0.4328% | 3,524 |
| Net operating income to assets | 2.2224% | 185 |
| Return on assets (ROA) | 2.2224% | 195 |
| Pretax return on assets | 3.6041% | 83 |
| Return on Equity (ROE) | 11.3407% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.3407% | 348 |
| Net charge-offs to loans | 9.4492% | 18 |
| Credit loss provision to net charge-offs | 28.2468% | 6,505 |
| Earnings coverage of net charge-offs (x) | 2.6348% | 3,782 |
| Efficiency ratio | 81.9054% | 2,177 |
| Assets per employee ($millions) | 0.9615% | 7,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3763% | 36 |
| Loan loss allowance to noncurrent loans | 291.8347% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 6,197 |
| Noncurrent loans to loans | 2.8702% | 2,654 |
| Net loans and leases to total assets | 13.1474% | 7,572 |
| Net loans and leases to deposits | 19.1525% | 7,563 |
| Net loans and leases to core deposits | 25.7779% | 7,513 |
| Total domestic deposits to total assets | 68.6460% | 7,299 |
| Equity capital to assets | 22.0901% | 180 |
| Core capital (leverage) ratio | 20.0346% | 236 |
| Tier 1 risk-based capital ratio | 36.2905% | 312 |
| Total risk-based capital ratio | 38.2168% | 292 |
| Memoranda: | ||
| Average total assets | $502,566,000 | 1,333 |
| Average earning assets | $376,194,600 | 1,602 |
| Average equity | $98,486,200 | 684 |
| Average total loans | $81,488,600 | 4,296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.6865% | 5 |
| Cost of funding earning assets | 2.3124% | 262 |
| Net interest margin | 19.3741% | 5 |
| Noninterest income to average assets | 8.0146% | 83 |
| Noninterest expense to average assets | 18.2732% | 43 |
| Loan and lease loss provision to assets | 0.5055% | 2,930 |
| Net operating income to assets | 2.3130% | 187 |
| Return on assets (ROA) | 2.3130% | 199 |
| Pretax return on assets | 3.7467% | 81 |
| Return on Equity (ROE) | 12.1705% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.1705% | 441 |
| Net charge-offs to loans | 9.6175% | 25 |
| Credit loss provision to net charge-offs | 31.5522% | 6,137 |
| Earnings coverage of net charge-offs (x) | 2.6543% | 3,825 |
| Efficiency ratio | 81.1228% | 2,185 |
| Assets per employee ($millions) | 0.9108% | 7,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1232% | 27 |
| Loan loss allowance to noncurrent loans | 324.9431% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 6,218 |
| Noncurrent loans to loans | 2.8076% | 2,843 |
| Net loans and leases to total assets | 15.0152% | 7,665 |
| Net loans and leases to deposits | 21.5416% | 7,653 |
| Net loans and leases to core deposits | 28.9383% | 7,593 |
| Total domestic deposits to total assets | 69.7030% | 7,285 |
| Equity capital to assets | 21.1414% | 228 |
| Core capital (leverage) ratio | 19.3444% | 278 |
| Tier 1 risk-based capital ratio | 38.4876% | 278 |
| Total risk-based capital ratio | 40.3443% | 256 |
| Memoranda: | ||
| Average total assets | $507,777,000 | 1,326 |
| Average earning assets | $380,313,250 | 1,603 |
| Average equity | $96,504,500 | 695 |
| Average total loans | $84,579,750 | 4,265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.9211% | 5 |
| Cost of funding earning assets | 2.4190% | 227 |
| Net interest margin | 19.5021% | 5 |
| Noninterest income to average assets | 7.4866% | 94 |
| Noninterest expense to average assets | 18.9603% | 41 |
| Loan and lease loss provision to assets | -0.0247% | 7,748 |
| Net operating income to assets | 1.8799% | 419 |
| Return on assets (ROA) | 1.8799% | 461 |
| Pretax return on assets | 3.0079% | 126 |
| Return on Equity (ROE) | 10.2416% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.2416% | 793 |
| Net charge-offs to loans | 10.0866% | 33 |
| Credit loss provision to net charge-offs | -1.4639% | 6,589 |
| Earnings coverage of net charge-offs (x) | 1.7713% | 4,188 |
| Efficiency ratio | 86.4050% | 1,664 |
| Assets per employee ($millions) | 0.9006% | 7,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6338% | 24 |
| Loan loss allowance to noncurrent loans | 301.0503% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 6,257 |
| Noncurrent loans to loans | 3.2001% | 2,504 |
| Net loans and leases to total assets | 12.9568% | 7,742 |
| Net loans and leases to deposits | 17.7787% | 7,741 |
| Net loans and leases to core deposits | 25.0091% | 7,699 |
| Total domestic deposits to total assets | 72.8782% | 7,109 |
| Equity capital to assets | 19.1195% | 338 |
| Core capital (leverage) ratio | 16.6736% | 479 |
| Tier 1 risk-based capital ratio | 26.3949% | 744 |
| Total risk-based capital ratio | 28.4251% | 673 |
| Memoranda: | ||
| Average total assets | $519,169,000 | 1,305 |
| Average earning assets | $384,862,000 | 1,609 |
| Average equity | $95,297,330 | 695 |
| Average total loans | $86,689,330 | 4,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.6320% | 3 |
| Cost of funding earning assets | 2.4863% | 234 |
| Net interest margin | 23.1457% | 4 |
| Noninterest income to average assets | 6.3940% | 110 |
| Noninterest expense to average assets | 19.5527% | 42 |
| Loan and lease loss provision to assets | -1.3818% | 7,923 |
| Net operating income to assets | 3.4658% | 63 |
| Return on assets (ROA) | 3.4658% | 66 |
| Pretax return on assets | 5.5007% | 47 |
| Return on Equity (ROE) | 19.2579% | 421 |
| Retained earnings to average equity (ytd only) | 19.2579% | 203 |
| Net charge-offs to loans | 9.2398% | 65 |
| Credit loss provision to net charge-offs | -83.9835% | 6,041 |
| Earnings coverage of net charge-offs (x) | 2.5034% | 3,287 |
| Efficiency ratio | 82.5997% | 2,194 |
| Assets per employee ($millions) | 0.9452% | 7,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5999% | 22 |
| Loan loss allowance to noncurrent loans | 259.8151% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 6,131 |
| Noncurrent loans to loans | 4.0798% | 1,908 |
| Net loans and leases to total assets | 11.6836% | 7,851 |
| Net loans and leases to deposits | 16.0760% | 7,854 |
| Net loans and leases to core deposits | 22.9724% | 7,807 |
| Total domestic deposits to total assets | 72.6776% | 7,197 |
| Equity capital to assets | 18.3703% | 388 |
| Core capital (leverage) ratio | 16.5774% | 494 |
| Tier 1 risk-based capital ratio | 23.8346% | 979 |
| Total risk-based capital ratio | 25.6481% | 902 |
| Memoranda: | ||
| Average total assets | $529,749,000 | 1,316 |
| Average earning assets | $395,443,000 | 1,608 |
| Average equity | $95,337,500 | 694 |
| Average total loans | $94,331,500 | 4,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.1454% | 7 |
| Cost of funding earning assets | 3.3556% | 79 |
| Net interest margin | 13.7897% | 11 |
| Noninterest income to average assets | 6.9683% | 105 |
| Noninterest expense to average assets | 15.4921% | 60 |
| Loan and lease loss provision to assets | 2.0174% | 1,065 |
| Net operating income to assets | 0.3131% | 4,485 |
| Return on assets (ROA) | 0.3131% | 4,568 |
| Pretax return on assets | 0.5386% | 4,083 |
| Return on Equity (ROE) | 2.3554% | 4,763 |
| Retained earnings to average equity (ytd only) | 2.3554% | 3,471 |
| Net charge-offs to loans | 8.6280% | 64 |
| Credit loss provision to net charge-offs | 94.8276% | 5,822 |
| Earnings coverage of net charge-offs (x) | 1.2014% | 4,923 |
| Efficiency ratio | 85.8382% | 2,135 |
| Assets per employee ($millions) | 0.9587% | 7,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4498% | 25 |
| Loan loss allowance to noncurrent loans | 263.4459% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 5,452 |
| Noncurrent loans to loans | 3.5870% | 2,115 |
| Net loans and leases to total assets | 20.3764% | 7,863 |
| Net loans and leases to deposits | 27.3374% | 7,849 |
| Net loans and leases to core deposits | 28.2069% | 7,878 |
| Total domestic deposits to total assets | 74.5366% | 6,939 |
| Equity capital to assets | 17.6265% | 484 |
| Core capital (leverage) ratio | 15.2821% | 727 |
| Tier 1 risk-based capital ratio | 24.0589% | 943 |
| Total risk-based capital ratio | 25.5399% | 896 |
| Memoranda: | ||
| Average total assets | $618,876,800 | 1,118 |
| Average earning assets | $497,253,600 | 1,270 |
| Average equity | $82,280,600 | 786 |
| Average total loans | $152,596,800 | 2,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.1211% | 11 |
| Cost of funding earning assets | 3.5069% | 69 |
| Net interest margin | 12.6142% | 12 |
| Noninterest income to average assets | 7.9063% | 94 |
| Noninterest expense to average assets | 12.9277% | 77 |
| Loan and lease loss provision to assets | 2.2013% | 788 |
| Net operating income to assets | 1.8521% | 399 |
| Return on assets (ROA) | 1.8521% | 423 |
| Pretax return on assets | 3.0102% | 104 |
| Return on Equity (ROE) | 14.9411% | 779 |
| Retained earnings to average equity (ytd only) | 14.9411% | 163 |
| Net charge-offs to loans | 9.8838% | 50 |
| Credit loss provision to net charge-offs | 88.7174% | 5,517 |
| Earnings coverage of net charge-offs (x) | 2.1003% | 4,244 |
| Efficiency ratio | 71.2696% | 4,370 |
| Assets per employee ($millions) | 1.1140% | 8,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2864% | 20 |
| Loan loss allowance to noncurrent loans | 277.8039% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 5,926 |
| Noncurrent loans to loans | 3.3428% | 2,260 |
| Net loans and leases to total assets | 16.1589% | 7,981 |
| Net loans and leases to deposits | 20.9373% | 7,989 |
| Net loans and leases to core deposits | 21.4871% | 7,995 |
| Total domestic deposits to total assets | 77.1777% | 6,299 |
| Equity capital to assets | 13.9388% | 1,328 |
| Core capital (leverage) ratio | 13.7055% | 1,167 |
| Tier 1 risk-based capital ratio | 15.6873% | 2,743 |
| Total risk-based capital ratio | 17.4401% | 2,499 |
| Memoranda: | ||
| Average total assets | $640,570,500 | 1,095 |
| Average earning assets | $519,645,500 | 1,228 |
| Average equity | $79,403,000 | 827 |
| Average total loans | $160,811,500 | 2,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.5526% | 10 |
| Cost of funding earning assets | 3.6494% | 65 |
| Net interest margin | 12.9033% | 12 |
| Noninterest income to average assets | 5.7773% | 122 |
| Noninterest expense to average assets | 12.8657% | 84 |
| Loan and lease loss provision to assets | 4.8884% | 220 |
| Net operating income to assets | -0.8829% | 6,894 |
| Return on assets (ROA) | -0.8829% | 6,901 |
| Pretax return on assets | -1.3674% | 7,017 |
| Return on Equity (ROE) | -7.4334% | 6,843 |
| Retained earnings to average equity (ytd only) | -7.4334% | 6,609 |
| Net charge-offs to loans | 9.9385% | 56 |
| Credit loss provision to net charge-offs | 178.5266% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.2859% | 4,559 |
| Efficiency ratio | 78.5128% | 3,272 |
| Assets per employee ($millions) | 1.0515% | 8,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1763% | 22 |
| Loan loss allowance to noncurrent loans | 278.7445% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 4,801 |
| Noncurrent loans to loans | 3.2920% | 2,146 |
| Net loans and leases to total assets | 29.4100% | 7,902 |
| Net loans and leases to deposits | 38.2428% | 7,856 |
| Net loans and leases to core deposits | 39.3268% | 7,937 |
| Total domestic deposits to total assets | 76.9034% | 6,350 |
| Equity capital to assets | 12.2046% | 2,086 |
| Core capital (leverage) ratio | 12.6733% | 1,551 |
| Tier 1 risk-based capital ratio | 13.6877% | 3,697 |
| Total risk-based capital ratio | 15.3025% | 3,428 |
| Memoranda: | ||
| Average total assets | $639,469,330 | 1,121 |
| Average earning assets | $525,790,000 | 1,237 |
| Average equity | $75,954,670 | 872 |
| Average total loans | $176,184,000 | 2,622 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6773% | 12 |
| Cost of funding earning assets | 3.9151% | 39 |
| Net interest margin | 11.7622% | 18 |
| Noninterest income to average assets | 4.7190% | 134 |
| Noninterest expense to average assets | 12.6129% | 83 |
| Loan and lease loss provision to assets | 6.3741% | 112 |
| Net operating income to assets | -3.0091% | 7,847 |
| Return on assets (ROA) | -3.0091% | 7,847 |
| Pretax return on assets | -4.7315% | 7,966 |
| Return on Equity (ROE) | -25.6834% | 7,851 |
| Retained earnings to average equity (ytd only) | -25.6834% | 7,781 |
| Net charge-offs to loans | 11.1167% | 49 |
| Credit loss provision to net charge-offs | 227.8805% | 2,006 |
| Earnings coverage of net charge-offs (x) | 0.5873% | 4,524 |
| Efficiency ratio | 88.4773% | 1,851 |
| Assets per employee ($millions) | 0.9964% | 8,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1701% | 22 |
| Loan loss allowance to noncurrent loans | 230.0428% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 4,200 |
| Noncurrent loans to loans | 3.9862% | 1,514 |
| Net loans and leases to total assets | 27.9817% | 7,962 |
| Net loans and leases to deposits | 34.9403% | 7,962 |
| Net loans and leases to core deposits | 35.9253% | 8,028 |
| Total domestic deposits to total assets | 80.0844% | 5,338 |
| Equity capital to assets | 11.6133% | 2,514 |
| Core capital (leverage) ratio | 11.7226% | 2,034 |
| Tier 1 risk-based capital ratio | 14.0754% | 3,537 |
| Total risk-based capital ratio | 15.6756% | 3,271 |
| Memoranda: | ||
| Average total assets | $641,661,000 | 1,114 |
| Average earning assets | $520,242,000 | 1,249 |
| Average equity | $75,177,000 | 887 |
| Average total loans | $161,451,000 | 2,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.7554% | 1 |
| Cost of funding earning assets | 5.2676% | 2 |
| Net interest margin | 23.4878% | 2 |
| Noninterest income to average assets | 10.9704% | 72 |
| Noninterest expense to average assets | 19.2300% | 54 |
| Loan and lease loss provision to assets | 2.0382% | 583 |
| Net operating income to assets | 2.2068% | 235 |
| Return on assets (ROA) | 2.1875% | 239 |
| Pretax return on assets | 3.5483% | 72 |
| Return on Equity (ROE) | 14.0070% | 1,103 |
| Retained earnings to average equity (ytd only) | 14.0070% | 120 |
| Net charge-offs to loans | 8.1801% | 23 |
| Credit loss provision to net charge-offs | 106.0225% | 5,051 |
| Earnings coverage of net charge-offs (x) | 2.9217% | 4,621 |
| Efficiency ratio | 77.3946% | 3,018 |
| Assets per employee ($millions) | 0.9698% | 8,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2625% | 14 |
| Loan loss allowance to noncurrent loans | 204.0830% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 4,567 |
| Noncurrent loans to loans | 4.5386% | 1,050 |
| Net loans and leases to total assets | 17.9258% | 8,169 |
| Net loans and leases to deposits | 21.5949% | 8,187 |
| Net loans and leases to core deposits | 22.1040% | 8,188 |
| Total domestic deposits to total assets | 83.0093% | 3,776 |
| Equity capital to assets | 11.8143% | 2,417 |
| Core capital (leverage) ratio | 14.2457% | 1,208 |
| Tier 1 risk-based capital ratio | 14.5569% | 3,269 |
| Total risk-based capital ratio | 16.1778% | 2,994 |
| Memoranda: | ||
| Average total assets | $480,228,800 | 1,430 |
| Average earning assets | $283,713,800 | 2,149 |
| Average equity | $74,998,400 | 884 |
| Average total loans | $112,859,800 | 3,619 |