Home > Crestmark Bank > Performance and Condition Ratios
Crestmark Bank, Performance and Condition Ratios
| 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 | 12.2927% | 12 |
| Cost of funding earning assets | 1.8438% | 10 |
| Net interest margin | 10.4489% | 15 |
| Noninterest income to average assets | 4.0385% | 117 |
| Noninterest expense to average assets | 8.9320% | 77 |
| Loan and lease loss provision to assets | 0.5620% | 188 |
| Net operating income to assets | 2.3224% | 196 |
| Return on assets (ROA) | 1.9765% | 393 |
| Pretax return on assets | 2.5807% | 197 |
| Return on Equity (ROE) | 18.8943% | 338 |
| Retained earnings to average equity (ytd only) | 18.8943% | 82 |
| Net charge-offs to loans | 0.7319% | 197 |
| Credit loss provision to net charge-offs | 97.2492% | 2,092 |
| Earnings coverage of net charge-offs (x) | 6.0358% | 2,661 |
| Efficiency ratio | 71.7060% | 2,052 |
| Assets per employee ($millions) | 3.9424% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,041 |
| Loan loss allowance to noncurrent loans | 64.7248% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 1,076 |
| Noncurrent loans to loans | 1.4906% | 1,125 |
| Net loans and leases to total assets | 79.8763% | 1,043 |
| Net loans and leases to deposits | 93.9994% | 1,361 |
| Net loans and leases to core deposits | 175.5072% | 52 |
| Total domestic deposits to total assets | 84.9753% | 2,688 |
| Equity capital to assets | 10.3312% | 3,307 |
| Core capital (leverage) ratio | 10.2058% | 3,354 |
| Tier 1 risk-based capital ratio | 10.5863% | 5,234 |
| Total risk-based capital ratio | 11.4829% | 5,285 |
| Memoranda: | ||
| Average total assets | $1,245,617,000 | 632 |
| Average earning assets | $999,146,330 | 705 |
| Average equity | $130,303,670 | 656 |
| Average total loans | $983,405,330 | 569 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3989% | 12 |
| Cost of funding earning assets | 1.7576% | 10 |
| Net interest margin | 10.6414% | 15 |
| Noninterest income to average assets | 4.0163% | 120 |
| Noninterest expense to average assets | 9.2660% | 77 |
| Loan and lease loss provision to assets | 0.4967% | 211 |
| Net operating income to assets | 2.2256% | 236 |
| Return on assets (ROA) | 1.9022% | 451 |
| Pretax return on assets | 2.3747% | 280 |
| Return on Equity (ROE) | 18.0613% | 405 |
| Retained earnings to average equity (ytd only) | 18.0613% | 153 |
| Net charge-offs to loans | 0.3684% | 427 |
| Credit loss provision to net charge-offs | 172.8111% | 1,146 |
| Earnings coverage of net charge-offs (x) | 11.1141% | 1,863 |
| Efficiency ratio | 74.1656% | 1,877 |
| Assets per employee ($millions) | 3.6408% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,058 |
| Loan loss allowance to noncurrent loans | 109.9810% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 1,600 |
| Noncurrent loans to loans | 1.0520% | 1,742 |
| Net loans and leases to total assets | 77.5675% | 1,303 |
| Net loans and leases to deposits | 92.5692% | 1,378 |
| Net loans and leases to core deposits | 143.7467% | 176 |
| Total domestic deposits to total assets | 83.7940% | 3,405 |
| Equity capital to assets | 10.7206% | 2,852 |
| Core capital (leverage) ratio | 10.3766% | 3,090 |
| Tier 1 risk-based capital ratio | 11.1517% | 5,056 |
| Total risk-based capital ratio | 12.2109% | 5,053 |
| Memoranda: | ||
| Average total assets | $1,208,077,500 | 646 |
| Average earning assets | $958,600,000 | 739 |
| Average equity | $127,233,500 | 672 |
| Average total loans | $942,508,000 | 591 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0761% | 12 |
| Cost of funding earning assets | 1.4857% | 28 |
| Net interest margin | 10.5905% | 14 |
| Noninterest income to average assets | 5.3834% | 101 |
| Noninterest expense to average assets | 10.0097% | 69 |
| Loan and lease loss provision to assets | 0.7072% | 174 |
| Net operating income to assets | 3.1948% | 63 |
| Return on assets (ROA) | 2.8704% | 76 |
| Pretax return on assets | 2.6976% | 133 |
| Return on Equity (ROE) | 28.5249% | 42 |
| Retained earnings to average equity (ytd only) | 25.6171% | 18 |
| Net charge-offs to loans | 0.8935% | 219 |
| Credit loss provision to net charge-offs | 102.2134% | 2,507 |
| Earnings coverage of net charge-offs (x) | 5.3901% | 3,339 |
| Efficiency ratio | 72.7225% | 2,114 |
| Assets per employee ($millions) | 3.6149% | 4,548 |
| Cash dividends to net income (ytd only)* | 10.1940% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,285 |
| Loan loss allowance to noncurrent loans | 150.2171% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 2,429 |
| Noncurrent loans to loans | 0.7399% | 2,359 |
| Net loans and leases to total assets | 76.6936% | 1,480 |
| Net loans and leases to deposits | 90.6148% | 1,695 |
| Net loans and leases to core deposits | 132.4620% | 297 |
| Total domestic deposits to total assets | 84.6369% | 2,980 |
| Equity capital to assets | 10.3419% | 3,337 |
| Core capital (leverage) ratio | 10.2561% | 3,122 |
| Tier 1 risk-based capital ratio | 10.7574% | 5,269 |
| Total risk-based capital ratio | 11.7665% | 5,269 |
| Memoranda: | ||
| Average total assets | $1,025,241,400 | 720 |
| Average earning assets | $808,867,400 | 850 |
| Average equity | $103,169,400 | 799 |
| Average total loans | $793,855,400 | 661 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2192% | 12 |
| Cost of funding earning assets | 1.4012% | 29 |
| Net interest margin | 10.8179% | 14 |
| Noninterest income to average assets | 5.6362% | 100 |
| Noninterest expense to average assets | 10.4252% | 67 |
| Loan and lease loss provision to assets | 0.5439% | 205 |
| Net operating income to assets | 2.4489% | 143 |
| Return on assets (ROA) | 2.1098% | 264 |
| Pretax return on assets | 2.8588% | 131 |
| Return on Equity (ROE) | 21.1458% | 170 |
| Retained earnings to average equity (ytd only) | 17.0576% | 73 |
| Net charge-offs to loans | 0.7182% | 262 |
| Credit loss provision to net charge-offs | 97.8474% | 2,343 |
| Earnings coverage of net charge-offs (x) | 6.7319% | 2,952 |
| Efficiency ratio | 73.4623% | 1,979 |
| Assets per employee ($millions) | 3.5121% | 4,718 |
| Cash dividends to net income (ytd only)* | 19.3336% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,039 |
| Loan loss allowance to noncurrent loans | 68.0548% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3877% | 1,128 |
| Noncurrent loans to loans | 1.7343% | 1,040 |
| Net loans and leases to total assets | 76.1987% | 1,555 |
| Net loans and leases to deposits | 90.3001% | 1,776 |
| Net loans and leases to core deposits | 126.8181% | 389 |
| Total domestic deposits to total assets | 84.3839% | 2,964 |
| Equity capital to assets | 9.6719% | 4,273 |
| Core capital (leverage) ratio | 9.5258% | 4,131 |
| Tier 1 risk-based capital ratio | 9.6065% | 5,659 |
| Total risk-based capital ratio | 10.6381% | 5,666 |
| Memoranda: | ||
| Average total assets | $980,610,750 | 757 |
| Average earning assets | $773,290,750 | 895 |
| Average equity | $97,838,750 | 848 |
| Average total loans | $758,922,500 | 693 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1057% | 14 |
| Cost of funding earning assets | 1.3048% | 36 |
| Net interest margin | 10.8009% | 14 |
| Noninterest income to average assets | 5.7065% | 103 |
| Noninterest expense to average assets | 10.9191% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6133% | 114 |
| Return on assets (ROA) | 2.1541% | 239 |
| Pretax return on assets | 2.8574% | 131 |
| Return on Equity (ROE) | 21.3307% | 165 |
| Retained earnings to average equity (ytd only) | 14.9854% | 141 |
| Net charge-offs to loans | 0.2213% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.3375% | 1,839 |
| Efficiency ratio | 76.5791% | 1,633 |
| Assets per employee ($millions) | 3.0766% | 5,206 |
| Cash dividends to net income (ytd only)* | 29.7471% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,997 |
| Loan loss allowance to noncurrent loans | 125.7780% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 2,309 |
| Noncurrent loans to loans | 0.9562% | 2,049 |
| Net loans and leases to total assets | 77.8429% | 1,266 |
| Net loans and leases to deposits | 92.2501% | 1,459 |
| Net loans and leases to core deposits | 133.1571% | 263 |
| Total domestic deposits to total assets | 84.3825% | 3,058 |
| Equity capital to assets | 9.8517% | 4,087 |
| Core capital (leverage) ratio | 9.5820% | 4,038 |
| Tier 1 risk-based capital ratio | 9.5166% | 5,708 |
| Total risk-based capital ratio | 10.5773% | 5,713 |
| Memoranda: | ||
| Average total assets | $936,373,670 | 805 |
| Average earning assets | $739,435,670 | 943 |
| Average equity | $94,558,670 | 868 |
| Average total loans | $725,740,330 | 728 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9830% | 14 |
| Cost of funding earning assets | 1.2785% | 38 |
| Net interest margin | 10.7045% | 15 |
| Noninterest income to average assets | 6.3131% | 94 |
| Noninterest expense to average assets | 11.1377% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.6128% | 117 |
| Return on assets (ROA) | 2.1117% | 262 |
| Pretax return on assets | 3.0424% | 130 |
| Return on Equity (ROE) | 20.6356% | 205 |
| Retained earnings to average equity (ytd only) | 20.6356% | 98 |
| Net charge-offs to loans | -0.3971% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7617% | 1,947 |
| Assets per employee ($millions) | 3.0539% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,438 |
| Loan loss allowance to noncurrent loans | 301.0207% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 3,217 |
| Noncurrent loans to loans | 0.5236% | 3,243 |
| Net loans and leases to total assets | 74.6203% | 1,644 |
| Net loans and leases to deposits | 90.1595% | 1,516 |
| Net loans and leases to core deposits | 116.9908% | 559 |
| Total domestic deposits to total assets | 82.7648% | 3,924 |
| Equity capital to assets | 10.4442% | 3,242 |
| Core capital (leverage) ratio | 9.7760% | 3,783 |
| Tier 1 risk-based capital ratio | 10.2661% | 5,628 |
| Total risk-based capital ratio | 11.5787% | 5,548 |
| Memoranda: | ||
| Average total assets | $907,694,000 | 834 |
| Average earning assets | $709,572,000 | 973 |
| Average equity | $92,888,000 | 881 |
| Average total loans | $697,126,500 | 751 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7563% | 14 |
| Cost of funding earning assets | 1.1807% | 59 |
| Net interest margin | 10.5756% | 15 |
| Noninterest income to average assets | 5.2887% | 116 |
| Noninterest expense to average assets | 10.3080% | 73 |
| Loan and lease loss provision to assets | 0.5200% | 265 |
| Net operating income to assets | 2.3675% | 176 |
| Return on assets (ROA) | 1.8610% | 414 |
| Pretax return on assets | 2.1839% | 338 |
| Return on Equity (ROE) | 17.9669% | 332 |
| Retained earnings to average equity (ytd only) | 11.0503% | 301 |
| Net charge-offs to loans | 0.5993% | 384 |
| Credit loss provision to net charge-offs | 115.0291% | 2,287 |
| Earnings coverage of net charge-offs (x) | 7.1020% | 3,073 |
| Efficiency ratio | 76.1500% | 1,960 |
| Assets per employee ($millions) | 3.0177% | 5,343 |
| Cash dividends to net income (ytd only)* | 38.4961% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,851 |
| Loan loss allowance to noncurrent loans | 214.5256% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 3,086 |
| Noncurrent loans to loans | 0.6787% | 2,833 |
| Net loans and leases to total assets | 76.6677% | 1,411 |
| Net loans and leases to deposits | 96.1840% | 981 |
| Net loans and leases to core deposits | 133.2796% | 247 |
| Total domestic deposits to total assets | 79.7094% | 4,632 |
| Equity capital to assets | 10.0201% | 3,699 |
| Core capital (leverage) ratio | 9.5998% | 3,965 |
| Tier 1 risk-based capital ratio | 9.7923% | 5,782 |
| Total risk-based capital ratio | 11.0555% | 5,754 |
| Memoranda: | ||
| Average total assets | $837,524,800 | 867 |
| Average earning assets | $651,745,000 | 1,008 |
| Average equity | $86,748,400 | 918 |
| Average total loans | $631,786,800 | 789 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6563% | 13 |
| Cost of funding earning assets | 1.1715% | 59 |
| Net interest margin | 10.4847% | 14 |
| Noninterest income to average assets | 5.0990% | 120 |
| Noninterest expense to average assets | 10.1887% | 69 |
| Loan and lease loss provision to assets | 0.2597% | 705 |
| Net operating income to assets | 2.2582% | 221 |
| Return on assets (ROA) | 1.7360% | 589 |
| Pretax return on assets | 2.2556% | 339 |
| Return on Equity (ROE) | 16.6116% | 481 |
| Retained earnings to average equity (ytd only) | 16.6116% | 96 |
| Net charge-offs to loans | 0.4682% | 452 |
| Credit loss provision to net charge-offs | 74.1771% | 2,738 |
| Earnings coverage of net charge-offs (x) | 8.6750% | 2,743 |
| Efficiency ratio | 76.9282% | 1,845 |
| Assets per employee ($millions) | 3.0315% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 2,346 |
| Loan loss allowance to noncurrent loans | 89.3047% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 1,645 |
| Noncurrent loans to loans | 1.5322% | 1,415 |
| Net loans and leases to total assets | 74.8148% | 1,734 |
| Net loans and leases to deposits | 91.7992% | 1,524 |
| Net loans and leases to core deposits | 120.1286% | 498 |
| Total domestic deposits to total assets | 81.4983% | 4,104 |
| Equity capital to assets | 10.4736% | 3,594 |
| Core capital (leverage) ratio | 10.1259% | 3,406 |
| Tier 1 risk-based capital ratio | 10.3673% | 5,671 |
| Total risk-based capital ratio | 11.5411% | 5,634 |
| Memoranda: | ||
| Average total assets | $821,336,000 | 885 |
| Average earning assets | $636,655,250 | 1,028 |
| Average equity | $85,833,250 | 932 |
| Average total loans | $614,239,250 | 807 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9473% | 13 |
| Cost of funding earning assets | 1.1724% | 59 |
| Net interest margin | 10.7749% | 13 |
| Noninterest income to average assets | 4.7233% | 134 |
| Noninterest expense to average assets | 10.0483% | 70 |
| Loan and lease loss provision to assets | 0.3985% | 384 |
| Net operating income to assets | 2.1818% | 230 |
| Return on assets (ROA) | 1.6541% | 680 |
| Pretax return on assets | 1.9609% | 619 |
| Return on Equity (ROE) | 15.8411% | 560 |
| Retained earnings to average equity (ytd only) | 15.8411% | 123 |
| Net charge-offs to loans | 0.8884% | 219 |
| Credit loss provision to net charge-offs | 60.2864% | 2,572 |
| Earnings coverage of net charge-offs (x) | 4.3681% | 2,995 |
| Efficiency ratio | 77.5726% | 1,854 |
| Assets per employee ($millions) | 2.8609% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,290 |
| Loan loss allowance to noncurrent loans | 111.2592% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 2,188 |
| Noncurrent loans to loans | 1.2593% | 1,821 |
| Net loans and leases to total assets | 73.4293% | 1,942 |
| Net loans and leases to deposits | 89.1011% | 1,854 |
| Net loans and leases to core deposits | 111.4130% | 853 |
| Total domestic deposits to total assets | 82.4113% | 3,873 |
| Equity capital to assets | 10.6436% | 3,480 |
| Core capital (leverage) ratio | 9.9747% | 3,593 |
| Tier 1 risk-based capital ratio | 10.4720% | 5,680 |
| Total risk-based capital ratio | 11.6515% | 5,634 |
| Memoranda: | ||
| Average total assets | $803,081,000 | 899 |
| Average earning assets | $612,069,330 | 1,067 |
| Average equity | $83,858,000 | 951 |
| Average total loans | $597,470,330 | 826 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8558% | 14 |
| Cost of funding earning assets | 1.1377% | 75 |
| Net interest margin | 10.7181% | 14 |
| Noninterest income to average assets | 4.6648% | 133 |
| Noninterest expense to average assets | 9.9640% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0069% | 328 |
| Return on assets (ROA) | 1.4695% | 948 |
| Pretax return on assets | 2.3359% | 304 |
| Return on Equity (ROE) | 14.2155% | 799 |
| Retained earnings to average equity (ytd only) | 14.2155% | 307 |
| Net charge-offs to loans | 1.6023% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.4117% | 2,684 |
| Efficiency ratio | 77.5109% | 1,967 |
| Assets per employee ($millions) | 2.9281% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 3,354 |
| Loan loss allowance to noncurrent loans | 77.3311% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 1,761 |
| Noncurrent loans to loans | 1.5799% | 1,471 |
| Net loans and leases to total assets | 72.9279% | 1,894 |
| Net loans and leases to deposits | 87.9516% | 1,830 |
| Net loans and leases to core deposits | 110.6578% | 819 |
| Total domestic deposits to total assets | 82.9183% | 3,929 |
| Equity capital to assets | 10.3520% | 3,682 |
| Core capital (leverage) ratio | 9.7578% | 3,833 |
| Tier 1 risk-based capital ratio | 10.1848% | 5,866 |
| Total risk-based capital ratio | 11.2162% | 5,880 |
| Memoranda: | ||
| Average total assets | $792,656,000 | 915 |
| Average earning assets | $604,395,500 | 1,074 |
| Average equity | $81,939,000 | 976 |
| Average total loans | $589,403,500 | 836 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7523% | 13 |
| Cost of funding earning assets | 1.0191% | 158 |
| Net interest margin | 11.7332% | 15 |
| Noninterest income to average assets | 3.3691% | 180 |
| Noninterest expense to average assets | 9.3096% | 81 |
| Loan and lease loss provision to assets | 0.0063% | 4,270 |
| Net operating income to assets | 2.2395% | 234 |
| Return on assets (ROA) | 1.6991% | 595 |
| Pretax return on assets | 2.4513% | 224 |
| Return on Equity (ROE) | 16.1949% | 537 |
| Retained earnings to average equity (ytd only) | 10.0488% | 455 |
| Net charge-offs to loans | 0.0591% | 3,038 |
| Credit loss provision to net charge-offs | 14.3293% | 3,790 |
| Earnings coverage of net charge-offs (x) | 68.0366% | 788 |
| Efficiency ratio | 75.6413% | 2,331 |
| Assets per employee ($millions) | 2.7364% | 5,750 |
| Cash dividends to net income (ytd only)* | 37.9507% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 1,453 |
| Loan loss allowance to noncurrent loans | 214.7052% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 3,296 |
| Noncurrent loans to loans | 0.7722% | 2,864 |
| Net loans and leases to total assets | 73.6653% | 1,780 |
| Net loans and leases to deposits | 88.3361% | 1,832 |
| Net loans and leases to core deposits | 116.9396% | 574 |
| Total domestic deposits to total assets | 83.3921% | 3,714 |
| Equity capital to assets | 10.3219% | 3,601 |
| Core capital (leverage) ratio | 9.6639% | 3,955 |
| Tier 1 risk-based capital ratio | 10.0856% | 5,932 |
| Total risk-based capital ratio | 11.3976% | 5,841 |
| Memoranda: | ||
| Average total assets | $744,373,400 | 926 |
| Average earning assets | $567,064,400 | 1,100 |
| Average equity | $78,098,800 | 975 |
| Average total loans | $554,735,000 | 847 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7996% | 13 |
| Cost of funding earning assets | 0.9984% | 178 |
| Net interest margin | 11.8013% | 14 |
| Noninterest income to average assets | 3.2125% | 194 |
| Noninterest expense to average assets | 9.1952% | 90 |
| Loan and lease loss provision to assets | 0.0085% | 4,092 |
| Net operating income to assets | 2.1958% | 265 |
| Return on assets (ROA) | 1.6510% | 710 |
| Pretax return on assets | 2.4385% | 262 |
| Return on Equity (ROE) | 15.6690% | 638 |
| Retained earnings to average equity (ytd only) | 15.6690% | 141 |
| Net charge-offs to loans | 0.0730% | 2,517 |
| Credit loss provision to net charge-offs | 15.6667% | 3,397 |
| Earnings coverage of net charge-offs (x) | 55.0633% | 980 |
| Efficiency ratio | 75.4510% | 2,327 |
| Assets per employee ($millions) | 2.6161% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,644 |
| Loan loss allowance to noncurrent loans | 242.7031% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 3,549 |
| Noncurrent loans to loans | 0.6745% | 3,303 |
| Net loans and leases to total assets | 76.1294% | 1,370 |
| Net loans and leases to deposits | 91.9048% | 1,419 |
| Net loans and leases to core deposits | 118.7502% | 508 |
| Total domestic deposits to total assets | 82.8350% | 3,870 |
| Equity capital to assets | 10.6901% | 3,372 |
| Core capital (leverage) ratio | 10.1406% | 3,451 |
| Tier 1 risk-based capital ratio | 10.2655% | 5,961 |
| Total risk-based capital ratio | 11.5761% | 5,881 |
| Memoranda: | ||
| Average total assets | $736,181,000 | 944 |
| Average earning assets | $559,835,250 | 1,122 |
| Average equity | $77,569,500 | 987 |
| Average total loans | $547,884,750 | 860 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0424% | 13 |
| Cost of funding earning assets | 1.0087% | 173 |
| Net interest margin | 12.0336% | 14 |
| Noninterest income to average assets | 3.1518% | 205 |
| Noninterest expense to average assets | 9.4170% | 88 |
| Loan and lease loss provision to assets | 0.0124% | 3,873 |
| Net operating income to assets | 2.0797% | 317 |
| Return on assets (ROA) | 1.5445% | 865 |
| Pretax return on assets | 2.2098% | 408 |
| Return on Equity (ROE) | 14.7338% | 776 |
| Retained earnings to average equity (ytd only) | 14.7338% | 203 |
| Net charge-offs to loans | -0.0056% | 4,770 |
| Credit loss provision to net charge-offs | -300.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3514% | 2,152 |
| Assets per employee ($millions) | 2.4957% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 1,369 |
| Loan loss allowance to noncurrent loans | 146.9966% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 2,698 |
| Noncurrent loans to loans | 1.2258% | 2,204 |
| Net loans and leases to total assets | 73.3404% | 1,762 |
| Net loans and leases to deposits | 86.8711% | 1,959 |
| Net loans and leases to core deposits | 106.7174% | 1,036 |
| Total domestic deposits to total assets | 84.4244% | 3,388 |
| Equity capital to assets | 10.5468% | 3,389 |
| Core capital (leverage) ratio | 9.8399% | 3,815 |
| Tier 1 risk-based capital ratio | 10.3597% | 5,970 |
| Total risk-based capital ratio | 11.6121% | 5,910 |
| Memoranda: | ||
| Average total assets | $726,943,670 | 959 |
| Average earning assets | $545,039,670 | 1,157 |
| Average equity | $76,205,670 | 1,009 |
| Average total loans | $533,437,670 | 887 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0565% | 12 |
| Cost of funding earning assets | 0.9477% | 229 |
| Net interest margin | 12.1089% | 13 |
| Noninterest income to average assets | 2.5279% | 268 |
| Noninterest expense to average assets | 8.9636% | 97 |
| Loan and lease loss provision to assets | 0.0256% | 3,369 |
| Net operating income to assets | 1.7776% | 503 |
| Return on assets (ROA) | 1.3778% | 1,130 |
| Pretax return on assets | 2.1722% | 405 |
| Return on Equity (ROE) | 13.1844% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.1844% | 423 |
| Net charge-offs to loans | 0.1929% | 1,160 |
| Credit loss provision to net charge-offs | 18.2540% | 2,378 |
| Earnings coverage of net charge-offs (x) | 18.2143% | 1,497 |
| Efficiency ratio | 77.8175% | 2,210 |
| Assets per employee ($millions) | 2.5386% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 1,373 |
| Loan loss allowance to noncurrent loans | 236.0795% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 3,820 |
| Noncurrent loans to loans | 0.7877% | 3,286 |
| Net loans and leases to total assets | 69.1281% | 2,261 |
| Net loans and leases to deposits | 81.0920% | 2,438 |
| Net loans and leases to core deposits | 97.3614% | 1,529 |
| Total domestic deposits to total assets | 85.2465% | 3,286 |
| Equity capital to assets | 10.1528% | 3,940 |
| Core capital (leverage) ratio | 9.8329% | 3,845 |
| Tier 1 risk-based capital ratio | 10.4044% | 6,048 |
| Total risk-based capital ratio | 11.6570% | 5,997 |
| Memoranda: | ||
| Average total assets | $718,549,500 | 968 |
| Average earning assets | $533,526,000 | 1,195 |
| Average equity | $75,088,500 | 1,026 |
| Average total loans | $522,424,000 | 901 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0890% | 8 |
| Cost of funding earning assets | 0.7271% | 967 |
| Net interest margin | 14.3620% | 8 |
| Noninterest income to average assets | 1.1759% | 870 |
| Noninterest expense to average assets | 8.4627% | 100 |
| Loan and lease loss provision to assets | 0.3926% | 459 |
| Net operating income to assets | 3.0749% | 87 |
| Return on assets (ROA) | 2.0642% | 298 |
| Pretax return on assets | 3.1220% | 101 |
| Return on Equity (ROE) | 17.0761% | 482 |
| Retained earnings to average equity (ytd only) | 10.3308% | 468 |
| Net charge-offs to loans | -0.0945% | 6,099 |
| Credit loss provision to net charge-offs | -512.5285% | 5,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1579% | 4,384 |
| Assets per employee ($millions) | 2.3824% | 6,230 |
| Cash dividends to net income (ytd only)* | 39.5013% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 1,253 |
| Loan loss allowance to noncurrent loans | 325.6976% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 4,337 |
| Noncurrent loans to loans | 0.5916% | 3,892 |
| Net loans and leases to total assets | 73.6901% | 1,639 |
| Net loans and leases to deposits | 85.5624% | 2,034 |
| Net loans and leases to core deposits | 104.7508% | 1,090 |
| Total domestic deposits to total assets | 86.1244% | 2,768 |
| Equity capital to assets | 10.7689% | 3,158 |
| Core capital (leverage) ratio | 10.5265% | 2,914 |
| Tier 1 risk-based capital ratio | 10.5277% | 6,089 |
| Total risk-based capital ratio | 11.7811% | 6,032 |
| Memoranda: | ||
| Average total assets | $573,092,000 | 1,153 |
| Average earning assets | $471,342,200 | 1,300 |
| Average equity | $69,278,200 | 1,062 |
| Average total loans | $464,323,200 | 956 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.7079% | 7 |
| Cost of funding earning assets | 0.6881% | 1,213 |
| Net interest margin | 15.0198% | 8 |
| Noninterest income to average assets | 0.6079% | 2,817 |
| Noninterest expense to average assets | 8.0222% | 105 |
| Loan and lease loss provision to assets | 0.5033% | 297 |
| Net operating income to assets | 3.4607% | 69 |
| Return on assets (ROA) | 2.2591% | 215 |
| Pretax return on assets | 3.5019% | 86 |
| Return on Equity (ROE) | 18.0585% | 440 |
| Retained earnings to average equity (ytd only) | 18.0585% | 110 |
| Net charge-offs to loans | -0.0299% | 5,740 |
| Credit loss provision to net charge-offs | -2,029.7030% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6410% | 5,101 |
| Assets per employee ($millions) | 2.1569% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 1,064 |
| Loan loss allowance to noncurrent loans | 149.3901% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 2,810 |
| Noncurrent loans to loans | 1.4170% | 2,295 |
| Net loans and leases to total assets | 74.2334% | 1,487 |
| Net loans and leases to deposits | 85.9398% | 1,909 |
| Net loans and leases to core deposits | 98.6557% | 1,475 |
| Total domestic deposits to total assets | 86.3784% | 2,656 |
| Equity capital to assets | 12.1672% | 1,930 |
| Core capital (leverage) ratio | 12.9390% | 1,208 |
| Tier 1 risk-based capital ratio | 12.3144% | 5,286 |
| Total risk-based capital ratio | 13.5709% | 5,211 |
| Memoranda: | ||
| Average total assets | $543,044,000 | 1,238 |
| Average earning assets | $456,320,250 | 1,355 |
| Average equity | $67,933,000 | 1,087 |
| Average total loans | $450,174,000 | 984 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.2708% | 8 |
| Cost of funding earning assets | 0.6696% | 1,381 |
| Net interest margin | 15.6012% | 8 |
| Noninterest income to average assets | 0.5381% | 3,217 |
| Noninterest expense to average assets | 8.2990% | 105 |
| Loan and lease loss provision to assets | 0.7177% | 181 |
| Net operating income to assets | 3.7397% | 66 |
| Return on assets (ROA) | 2.3749% | 175 |
| Pretax return on assets | 3.6877% | 80 |
| Return on Equity (ROE) | 18.7767% | 383 |
| Retained earnings to average equity (ytd only) | 18.7767% | 103 |
| Net charge-offs to loans | 1.2852% | 235 |
| Credit loss provision to net charge-offs | 65.1179% | 2,555 |
| Earnings coverage of net charge-offs (x) | 5.2355% | 2,962 |
| Efficiency ratio | 58.9875% | 5,430 |
| Assets per employee ($millions) | 2.3384% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6073% | 604 |
| Loan loss allowance to noncurrent loans | 241.2595% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9379% | 3,199 |
| Noncurrent loans to loans | 1.0807% | 3,070 |
| Net loans and leases to total assets | 84.5266% | 266 |
| Net loans and leases to deposits | 99.3376% | 588 |
| Net loans and leases to core deposits | 99.9386% | 1,292 |
| Total domestic deposits to total assets | 85.0901% | 3,461 |
| Equity capital to assets | 13.1065% | 1,316 |
| Core capital (leverage) ratio | 12.6312% | 1,321 |
| Tier 1 risk-based capital ratio | 14.1115% | 4,184 |
| Total risk-based capital ratio | 15.3769% | 4,110 |
| Memoranda: | ||
| Average total assets | $515,554,670 | 1,309 |
| Average earning assets | $447,145,000 | 1,376 |
| Average equity | $65,208,330 | 1,123 |
| Average total loans | $442,105,000 | 998 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.3295% | 6 |
| Cost of funding earning assets | 0.6330% | 1,709 |
| Net interest margin | 15.6964% | 6 |
| Noninterest income to average assets | 0.4198% | 4,033 |
| Noninterest expense to average assets | 8.6314% | 95 |
| Loan and lease loss provision to assets | 0.7803% | 154 |
| Net operating income to assets | 3.3758% | 80 |
| Return on assets (ROA) | 2.2357% | 234 |
| Pretax return on assets | 3.3734% | 110 |
| Return on Equity (ROE) | 18.0078% | 442 |
| Retained earnings to average equity (ytd only) | 18.0078% | 182 |
| Net charge-offs to loans | 1.9374% | 138 |
| Credit loss provision to net charge-offs | 47.2590% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.2060% | 2,723 |
| Efficiency ratio | 61.9837% | 5,124 |
| Assets per employee ($millions) | 2.4123% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6203% | 697 |
| Loan loss allowance to noncurrent loans | 120.4229% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.8435% | 1,887 |
| Noncurrent loans to loans | 2.1759% | 1,678 |
| Net loans and leases to total assets | 82.5061% | 327 |
| Net loans and leases to deposits | 95.6814% | 675 |
| Net loans and leases to core deposits | 96.0344% | 1,382 |
| Total domestic deposits to total assets | 86.2301% | 3,240 |
| Equity capital to assets | 12.4063% | 1,627 |
| Core capital (leverage) ratio | 13.0067% | 1,157 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,678 |
| Total risk-based capital ratio | 14.7627% | 4,611 |
| Memoranda: | ||
| Average total assets | $512,595,000 | 1,319 |
| Average earning assets | $441,043,500 | 1,398 |
| Average equity | $63,639,000 | 1,153 |
| Average total loans | $436,865,500 | 1,014 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.8581% | 7 |
| Cost of funding earning assets | 0.5774% | 2,859 |
| Net interest margin | 16.2807% | 7 |
| Noninterest income to average assets | 0.6223% | 2,961 |
| Noninterest expense to average assets | 9.0643% | 92 |
| Loan and lease loss provision to assets | 1.7542% | 60 |
| Net operating income to assets | 4.2325% | 59 |
| Return on assets (ROA) | 3.1696% | 96 |
| Pretax return on assets | 3.3077% | 93 |
| Return on Equity (ROE) | 25.4009% | 115 |
| Retained earnings to average equity (ytd only) | 17.5433% | 113 |
| Net charge-offs to loans | 0.9497% | 630 |
| Credit loss provision to net charge-offs | 208.8998% | 1,103 |
| Earnings coverage of net charge-offs (x) | 7.2937% | 2,876 |
| Efficiency ratio | 59.6764% | 5,514 |
| Assets per employee ($millions) | 2.3441% | 6,493 |
| Cash dividends to net income (ytd only)* | 30.9342% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9874% | 477 |
| Loan loss allowance to noncurrent loans | 161.7885% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.5834% | 2,353 |
| Noncurrent loans to loans | 1.8465% | 2,179 |
| Net loans and leases to total assets | 83.1912% | 313 |
| Net loans and leases to deposits | 96.1888% | 716 |
| Net loans and leases to core deposits | 96.4691% | 1,417 |
| Total domestic deposits to total assets | 86.4874% | 2,997 |
| Equity capital to assets | 12.4242% | 1,554 |
| Core capital (leverage) ratio | 12.8990% | 1,177 |
| Tier 1 risk-based capital ratio | 13.4990% | 4,655 |
| Total risk-based capital ratio | 14.7694% | 4,584 |
| Memoranda: | ||
| Average total assets | $458,953,400 | 1,441 |
| Average earning assets | $410,639,200 | 1,478 |
| Average equity | $57,269,600 | 1,258 |
| Average total loans | $405,795,200 | 1,049 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.9345% | 7 |
| Cost of funding earning assets | 0.5671% | 3,105 |
| Net interest margin | 16.3674% | 7 |
| Noninterest income to average assets | 0.6371% | 2,941 |
| Noninterest expense to average assets | 8.8455% | 97 |
| Loan and lease loss provision to assets | 1.0990% | 137 |
| Net operating income to assets | 3.9803% | 62 |
| Return on assets (ROA) | 2.8207% | 133 |
| Pretax return on assets | 4.3133% | 65 |
| Return on Equity (ROE) | 22.5773% | 184 |
| Retained earnings to average equity (ytd only) | 22.5773% | 60 |
| Net charge-offs to loans | 0.7113% | 840 |
| Credit loss provision to net charge-offs | 173.3021% | 1,377 |
| Earnings coverage of net charge-offs (x) | 10.3630% | 2,369 |
| Efficiency ratio | 57.3732% | 5,756 |
| Assets per employee ($millions) | 2.1993% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4529% | 985 |
| Loan loss allowance to noncurrent loans | 157.2114% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 2,914 |
| Noncurrent loans to loans | 1.5602% | 2,824 |
| Net loans and leases to total assets | 85.4431% | 174 |
| Net loans and leases to deposits | 100.9432% | 432 |
| Net loans and leases to core deposits | 101.2607% | 1,041 |
| Total domestic deposits to total assets | 84.6448% | 3,906 |
| Equity capital to assets | 12.9549% | 1,351 |
| Core capital (leverage) ratio | 13.4421% | 1,045 |
| Tier 1 risk-based capital ratio | 13.7466% | 4,604 |
| Total risk-based capital ratio | 15.0102% | 4,551 |
| Memoranda: | ||
| Average total assets | $448,867,250 | 1,487 |
| Average earning assets | $405,339,500 | 1,504 |
| Average equity | $56,078,500 | 1,283 |
| Average total loans | $400,203,250 | 1,071 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6191% | 8 |
| Cost of funding earning assets | 0.5708% | 3,213 |
| Net interest margin | 16.0483% | 7 |
| Noninterest income to average assets | 0.6510% | 2,908 |
| Noninterest expense to average assets | 8.9363% | 98 |
| Loan and lease loss provision to assets | 1.0661% | 164 |
| Net operating income to assets | 3.7893% | 72 |
| Return on assets (ROA) | 2.7155% | 146 |
| Pretax return on assets | 4.1667% | 78 |
| Return on Equity (ROE) | 22.0265% | 205 |
| Retained earnings to average equity (ytd only) | 22.0265% | 67 |
| Net charge-offs to loans | 0.8950% | 700 |
| Credit loss provision to net charge-offs | 132.7684% | 1,714 |
| Earnings coverage of net charge-offs (x) | 7.8542% | 2,493 |
| Efficiency ratio | 58.6262% | 5,651 |
| Assets per employee ($millions) | 2.2008% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 1,594 |
| Loan loss allowance to noncurrent loans | 162.3429% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 3,343 |
| Noncurrent loans to loans | 1.3044% | 3,374 |
| Net loans and leases to total assets | 90.0344% | 41 |
| Net loans and leases to deposits | 104.7353% | 255 |
| Net loans and leases to core deposits | 105.0610% | 791 |
| Total domestic deposits to total assets | 85.9638% | 3,388 |
| Equity capital to assets | 12.1907% | 1,777 |
| Core capital (leverage) ratio | 12.5201% | 1,351 |
| Tier 1 risk-based capital ratio | 12.2565% | 5,651 |
| Total risk-based capital ratio | 13.5155% | 5,594 |
| Memoranda: | ||
| Average total assets | $440,875,670 | 1,511 |
| Average earning assets | $400,863,670 | 1,518 |
| Average equity | $54,352,670 | 1,327 |
| Average total loans | $395,547,670 | 1,082 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6728% | 8 |
| Cost of funding earning assets | 0.5804% | 3,290 |
| Net interest margin | 16.0924% | 7 |
| Noninterest income to average assets | 0.6153% | 3,052 |
| Noninterest expense to average assets | 9.2414% | 94 |
| Loan and lease loss provision to assets | 0.9863% | 183 |
| Net operating income to assets | 3.4568% | 82 |
| Return on assets (ROA) | 2.4959% | 170 |
| Pretax return on assets | 3.8561% | 89 |
| Return on Equity (ROE) | 20.1208% | 288 |
| Retained earnings to average equity (ytd only) | 20.1208% | 138 |
| Net charge-offs to loans | 0.4502% | 1,328 |
| Credit loss provision to net charge-offs | 247.6415% | 934 |
| Earnings coverage of net charge-offs (x) | 14.5708% | 1,449 |
| Efficiency ratio | 61.4261% | 5,386 |
| Assets per employee ($millions) | 2.1571% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,435 |
| Loan loss allowance to noncurrent loans | 129.6400% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 2,868 |
| Noncurrent loans to loans | 1.7629% | 2,919 |
| Net loans and leases to total assets | 88.7115% | 59 |
| Net loans and leases to deposits | 102.7727% | 260 |
| Net loans and leases to core deposits | 102.8410% | 782 |
| Total domestic deposits to total assets | 86.3181% | 3,345 |
| Equity capital to assets | 12.1943% | 1,912 |
| Core capital (leverage) ratio | 12.9601% | 1,130 |
| Tier 1 risk-based capital ratio | 12.2046% | 5,787 |
| Total risk-based capital ratio | 13.4667% | 5,740 |
| Memoranda: | ||
| Average total assets | $425,823,000 | 1,580 |
| Average earning assets | $381,819,000 | 1,603 |
| Average equity | $52,821,000 | 1,373 |
| Average total loans | $376,712,000 | 1,134 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.9795% | 8 |
| Cost of funding earning assets | 0.6458% | 3,953 |
| Net interest margin | 16.3338% | 7 |
| Noninterest income to average assets | 0.7387% | 2,549 |
| Noninterest expense to average assets | 9.6456% | 87 |
| Loan and lease loss provision to assets | 0.7942% | 616 |
| Net operating income to assets | 3.5305% | 76 |
| Return on assets (ROA) | 2.9235% | 105 |
| Pretax return on assets | 4.5017% | 60 |
| Return on Equity (ROE) | 23.9422% | 156 |
| Retained earnings to average equity (ytd only) | 12.9500% | 256 |
| Net charge-offs to loans | 0.8423% | 1,371 |
| Credit loss provision to net charge-offs | 105.3056% | 2,829 |
| Earnings coverage of net charge-offs (x) | 7.8271% | 2,521 |
| Efficiency ratio | 62.0356% | 5,230 |
| Assets per employee ($millions) | 1.9965% | 6,903 |
| Cash dividends to net income (ytd only)* | 45.9113% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 1,178 |
| Loan loss allowance to noncurrent loans | 145.6363% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4489% | 3,207 |
| Noncurrent loans to loans | 1.6860% | 3,093 |
| Net loans and leases to total assets | 83.8260% | 223 |
| Net loans and leases to deposits | 97.3499% | 543 |
| Net loans and leases to core deposits | 97.4207% | 1,190 |
| Total domestic deposits to total assets | 86.1080% | 3,295 |
| Equity capital to assets | 12.6337% | 1,622 |
| Core capital (leverage) ratio | 11.6972% | 1,737 |
| Tier 1 risk-based capital ratio | 13.0661% | 5,059 |
| Total risk-based capital ratio | 14.3300% | 5,000 |
| Memoranda: | ||
| Average total assets | $394,873,400 | 1,657 |
| Average earning assets | $358,031,200 | 1,665 |
| Average equity | $48,216,200 | 1,451 |
| Average total loans | $353,545,800 | 1,182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6732% | 8 |
| Cost of funding earning assets | 0.6463% | 4,228 |
| Net interest margin | 16.0269% | 8 |
| Noninterest income to average assets | 0.7892% | 2,284 |
| Noninterest expense to average assets | 9.4744% | 87 |
| Loan and lease loss provision to assets | 0.8848% | 505 |
| Net operating income to assets | 3.5180% | 72 |
| Return on assets (ROA) | 2.9850% | 112 |
| Pretax return on assets | 4.5805% | 66 |
| Return on Equity (ROE) | 24.6683% | 151 |
| Retained earnings to average equity (ytd only) | 17.6371% | 132 |
| Net charge-offs to loans | 0.9815% | 1,084 |
| Credit loss provision to net charge-offs | 99.6550% | 3,014 |
| Earnings coverage of net charge-offs (x) | 6.7555% | 2,721 |
| Efficiency ratio | 61.2331% | 5,271 |
| Assets per employee ($millions) | 2.0254% | 6,994 |
| Cash dividends to net income (ytd only)* | 28.5030% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2903% | 1,541 |
| Loan loss allowance to noncurrent loans | 166.9374% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 3,815 |
| Noncurrent loans to loans | 1.3719% | 3,730 |
| Net loans and leases to total assets | 88.3131% | 87 |
| Net loans and leases to deposits | 103.2140% | 304 |
| Net loans and leases to core deposits | 103.2899% | 913 |
| Total domestic deposits to total assets | 85.5631% | 3,478 |
| Equity capital to assets | 12.6395% | 1,804 |
| Core capital (leverage) ratio | 11.7406% | 1,815 |
| Tier 1 risk-based capital ratio | 12.5342% | 5,611 |
| Total risk-based capital ratio | 13.7961% | 5,571 |
| Memoranda: | ||
| Average total assets | $391,770,750 | 1,695 |
| Average earning assets | $358,930,000 | 1,684 |
| Average equity | $47,406,500 | 1,487 |
| Average total loans | $354,431,250 | 1,182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.2534% | 9 |
| Cost of funding earning assets | 0.6514% | 4,428 |
| Net interest margin | 15.6020% | 8 |
| Noninterest income to average assets | 0.8478% | 1,975 |
| Noninterest expense to average assets | 9.3286% | 90 |
| Loan and lease loss provision to assets | 0.8793% | 541 |
| Net operating income to assets | 3.3647% | 80 |
| Return on assets (ROA) | 2.8909% | 117 |
| Pretax return on assets | 4.4380% | 71 |
| Return on Equity (ROE) | 24.2699% | 172 |
| Retained earnings to average equity (ytd only) | 13.4138% | 398 |
| Net charge-offs to loans | 0.2783% | 2,927 |
| Credit loss provision to net charge-offs | 349.0760% | 839 |
| Earnings coverage of net charge-offs (x) | 22.9897% | 1,267 |
| Efficiency ratio | 61.6982% | 5,298 |
| Assets per employee ($millions) | 2.1269% | 7,005 |
| Cash dividends to net income (ytd only)* | 44.7307% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5486% | 1,219 |
| Loan loss allowance to noncurrent loans | 167.6920% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 3,702 |
| Noncurrent loans to loans | 1.5198% | 3,626 |
| Net loans and leases to total assets | 87.6085% | 91 |
| Net loans and leases to deposits | 100.4804% | 404 |
| Net loans and leases to core deposits | 100.5502% | 1,059 |
| Total domestic deposits to total assets | 87.1896% | 2,658 |
| Equity capital to assets | 11.4251% | 2,664 |
| Core capital (leverage) ratio | 11.7273% | 1,766 |
| Tier 1 risk-based capital ratio | 11.4364% | 6,256 |
| Total risk-based capital ratio | 12.4762% | 6,361 |
| Memoranda: | ||
| Average total assets | $386,662,000 | 1,712 |
| Average earning assets | $353,698,330 | 1,705 |
| Average equity | $46,057,000 | 1,516 |
| Average total loans | $349,926,000 | 1,199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.2815% | 8 |
| Cost of funding earning assets | 0.6847% | 4,414 |
| Net interest margin | 15.5968% | 8 |
| Noninterest income to average assets | 0.7666% | 2,313 |
| Noninterest expense to average assets | 9.6268% | 86 |
| Loan and lease loss provision to assets | 0.8933% | 497 |
| Net operating income to assets | 3.1433% | 94 |
| Return on assets (ROA) | 2.7286% | 161 |
| Pretax return on assets | 4.1860% | 79 |
| Return on Equity (ROE) | 22.3861% | 263 |
| Retained earnings to average equity (ytd only) | 0.1777% | 5,920 |
| Net charge-offs to loans | 0.3731% | 2,186 |
| Credit loss provision to net charge-offs | 263.5783% | 1,098 |
| Earnings coverage of net charge-offs (x) | 16.2109% | 1,378 |
| Efficiency ratio | 63.6663% | 4,989 |
| Assets per employee ($millions) | 1.9276% | 7,141 |
| Cash dividends to net income (ytd only)* | 99.2063% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5903% | 1,239 |
| Loan loss allowance to noncurrent loans | 188.4583% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 4,028 |
| Noncurrent loans to loans | 1.3745% | 4,053 |
| Net loans and leases to total assets | 89.5201% | 46 |
| Net loans and leases to deposits | 103.3767% | 274 |
| Net loans and leases to core deposits | 103.5383% | 791 |
| Total domestic deposits to total assets | 86.5961% | 3,176 |
| Equity capital to assets | 12.0006% | 2,042 |
| Core capital (leverage) ratio | 11.5865% | 1,844 |
| Tier 1 risk-based capital ratio | 11.3152% | 6,377 |
| Total risk-based capital ratio | 12.5783% | 6,355 |
| Memoranda: | ||
| Average total assets | $369,425,500 | 1,792 |
| Average earning assets | $339,993,500 | 1,779 |
| Average equity | $45,028,000 | 1,540 |
| Average total loans | $335,589,500 | 1,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7222% | 8 |
| Cost of funding earning assets | 0.7998% | 4,876 |
| Net interest margin | 15.9224% | 8 |
| Noninterest income to average assets | 0.8055% | 2,031 |
| Noninterest expense to average assets | 9.4521% | 81 |
| Loan and lease loss provision to assets | 0.6076% | 1,702 |
| Net operating income to assets | 3.4931% | 64 |
| Return on assets (ROA) | 3.1966% | 75 |
| Pretax return on assets | 4.9252% | 62 |
| Return on Equity (ROE) | 26.9170% | 76 |
| Retained earnings to average equity (ytd only) | 22.7780% | 32 |
| Net charge-offs to loans | -0.1528% | 7,189 |
| Credit loss provision to net charge-offs | -442.4942% | 6,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8536% | 5,481 |
| Assets per employee ($millions) | 1.8614% | 7,197 |
| Cash dividends to net income (ytd only)* | 15.3770% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5898% | 1,209 |
| Loan loss allowance to noncurrent loans | 192.1202% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 4,217 |
| Noncurrent loans to loans | 1.3480% | 4,123 |
| Net loans and leases to total assets | 87.4193% | 90 |
| Net loans and leases to deposits | 101.3786% | 400 |
| Net loans and leases to core deposits | 101.7894% | 1,042 |
| Total domestic deposits to total assets | 86.2305% | 3,177 |
| Equity capital to assets | 12.3834% | 1,866 |
| Core capital (leverage) ratio | 11.2551% | 2,079 |
| Tier 1 risk-based capital ratio | 11.9090% | 5,893 |
| Total risk-based capital ratio | 13.1744% | 5,860 |
| Memoranda: | ||
| Average total assets | $315,336,200 | 2,037 |
| Average earning assets | $286,691,000 | 2,043 |
| Average equity | $37,448,400 | 1,790 |
| Average total loans | $283,297,600 | 1,503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7591% | 9 |
| Cost of funding earning assets | 0.8152% | 5,047 |
| Net interest margin | 15.9440% | 9 |
| Noninterest income to average assets | 0.8024% | 2,047 |
| Noninterest expense to average assets | 9.3643% | 81 |
| Loan and lease loss provision to assets | 0.8424% | 1,088 |
| Net operating income to assets | 3.4577% | 71 |
| Return on assets (ROA) | 3.1273% | 91 |
| Pretax return on assets | 4.7553% | 65 |
| Return on Equity (ROE) | 26.6746% | 101 |
| Retained earnings to average equity (ytd only) | 20.8652% | 65 |
| Net charge-offs to loans | -0.0670% | 7,104 |
| Credit loss provision to net charge-offs | -1,399.2701% | 6,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2350% | 5,530 |
| Assets per employee ($millions) | 1.8579% | 7,265 |
| Cash dividends to net income (ytd only)* | 21.7789% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5130% | 1,380 |
| Loan loss allowance to noncurrent loans | 243.5966% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 4,896 |
| Noncurrent loans to loans | 1.0316% | 4,834 |
| Net loans and leases to total assets | 87.6233% | 89 |
| Net loans and leases to deposits | 100.6935% | 439 |
| Net loans and leases to core deposits | 101.1006% | 1,152 |
| Total domestic deposits to total assets | 87.0199% | 2,648 |
| Equity capital to assets | 11.6842% | 2,515 |
| Core capital (leverage) ratio | 11.4248% | 2,083 |
| Tier 1 risk-based capital ratio | 11.0555% | 6,510 |
| Total risk-based capital ratio | 12.3200% | 6,482 |
| Memoranda: | ||
| Average total assets | $303,428,000 | 2,120 |
| Average earning assets | $275,759,000 | 2,135 |
| Average equity | $35,573,500 | 1,899 |
| Average total loans | $272,686,750 | 1,566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.0543% | 9 |
| Cost of funding earning assets | 0.8473% | 5,084 |
| Net interest margin | 16.2070% | 9 |
| Noninterest income to average assets | 0.8677% | 1,751 |
| Noninterest expense to average assets | 9.6292% | 79 |
| Loan and lease loss provision to assets | 0.9001% | 996 |
| Net operating income to assets | 3.4539% | 79 |
| Return on assets (ROA) | 3.1150% | 100 |
| Pretax return on assets | 4.7682% | 74 |
| Return on Equity (ROE) | 26.5320% | 107 |
| Retained earnings to average equity (ytd only) | 17.2488% | 157 |
| Net charge-offs to loans | -0.1127% | 7,193 |
| Credit loss provision to net charge-offs | -888.8889% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5820% | 5,645 |
| Assets per employee ($millions) | 1.9454% | 7,322 |
| Cash dividends to net income (ytd only)* | 34.9887% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6449% | 1,249 |
| Loan loss allowance to noncurrent loans | 235.6023% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0372% | 4,811 |
| Noncurrent loans to loans | 1.1226% | 4,790 |
| Net loans and leases to total assets | 89.9442% | 42 |
| Net loans and leases to deposits | 103.6766% | 330 |
| Net loans and leases to core deposits | 103.9733% | 1,045 |
| Total domestic deposits to total assets | 86.7546% | 2,886 |
| Equity capital to assets | 11.6867% | 2,336 |
| Core capital (leverage) ratio | 10.5679% | 2,647 |
| Tier 1 risk-based capital ratio | 10.4699% | 6,798 |
| Total risk-based capital ratio | 11.7362% | 6,792 |
| Memoranda: | ||
| Average total assets | $284,428,000 | 2,251 |
| Average earning assets | $259,184,000 | 2,259 |
| Average equity | $33,393,670 | 1,986 |
| Average total loans | $255,595,670 | 1,677 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.9254% | 9 |
| Cost of funding earning assets | 0.8757% | 5,087 |
| Net interest margin | 16.0497% | 9 |
| Noninterest income to average assets | 0.8280% | 1,932 |
| Noninterest expense to average assets | 9.6470% | 79 |
| Loan and lease loss provision to assets | 0.9350% | 846 |
| Net operating income to assets | 3.1917% | 103 |
| Return on assets (ROA) | 2.8312% | 130 |
| Pretax return on assets | 4.3348% | 92 |
| Return on Equity (ROE) | 24.0527% | 187 |
| Retained earnings to average equity (ytd only) | 4.7558% | 3,336 |
| Net charge-offs to loans | -0.1226% | 7,141 |
| Credit loss provision to net charge-offs | -862.1622% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1463% | 5,496 |
| Assets per employee ($millions) | 1.9186% | 7,392 |
| Cash dividends to net income (ytd only)* | 80.2277% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6245% | 1,282 |
| Loan loss allowance to noncurrent loans | 395.5207% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 5,785 |
| Noncurrent loans to loans | 0.6636% | 5,703 |
| Net loans and leases to total assets | 87.0711% | 98 |
| Net loans and leases to deposits | 100.1461% | 459 |
| Net loans and leases to core deposits | 100.3473% | 1,313 |
| Total domestic deposits to total assets | 86.9441% | 2,976 |
| Equity capital to assets | 11.5137% | 2,249 |
| Core capital (leverage) ratio | 10.6473% | 2,475 |
| Tier 1 risk-based capital ratio | 10.4876% | 6,814 |
| Total risk-based capital ratio | 11.7542% | 6,789 |
| Memoranda: | ||
| Average total assets | $272,954,500 | 2,361 |
| Average earning assets | $245,737,000 | 2,391 |
| Average equity | $32,129,500 | 2,039 |
| Average total loans | $241,405,000 | 1,785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.3489% | 7 |
| Cost of funding earning assets | 1.2066% | 4,526 |
| Net interest margin | 17.1423% | 6 |
| Noninterest income to average assets | 1.0625% | 1,328 |
| Noninterest expense to average assets | 10.4583% | 74 |
| Loan and lease loss provision to assets | 1.3016% | 1,181 |
| Net operating income to assets | 3.2124% | 64 |
| Return on assets (ROA) | 2.8626% | 81 |
| Pretax return on assets | 4.3502% | 62 |
| Return on Equity (ROE) | 22.9655% | 143 |
| Retained earnings to average equity (ytd only) | 17.8701% | 74 |
| Net charge-offs to loans | 0.0330% | 6,474 |
| Credit loss provision to net charge-offs | 4,553.9683% | 44 |
| Earnings coverage of net charge-offs (x) | 209.9841% | 118 |
| Efficiency ratio | 63.5384% | 5,428 |
| Assets per employee ($millions) | 1.7669% | 7,500 |
| Cash dividends to net income (ytd only)* | 22.1870% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7204% | 1,142 |
| Loan loss allowance to noncurrent loans | 339.4869% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 5,603 |
| Noncurrent loans to loans | 0.8013% | 5,441 |
| Net loans and leases to total assets | 84.9614% | 241 |
| Net loans and leases to deposits | 98.5244% | 672 |
| Net loans and leases to core deposits | 98.7501% | 1,725 |
| Total domestic deposits to total assets | 86.2339% | 3,238 |
| Equity capital to assets | 12.0620% | 1,882 |
| Core capital (leverage) ratio | 9.9001% | 3,207 |
| Tier 1 risk-based capital ratio | 10.8969% | 6,417 |
| Total risk-based capital ratio | 12.1640% | 6,368 |
| Memoranda: | ||
| Average total assets | $220,428,800 | 2,860 |
| Average earning assets | $197,989,600 | 2,902 |
| Average equity | $27,476,000 | 2,344 |
| Average total loans | $191,032,800 | 2,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.3014% | 8 |
| Cost of funding earning assets | 1.2750% | 4,402 |
| Net interest margin | 17.0264% | 7 |
| Noninterest income to average assets | 1.0648% | 1,265 |
| Noninterest expense to average assets | 10.4684% | 74 |
| Loan and lease loss provision to assets | 1.5181% | 870 |
| Net operating income to assets | 2.9687% | 83 |
| Return on assets (ROA) | 2.6270% | 126 |
| Pretax return on assets | 4.0588% | 71 |
| Return on Equity (ROE) | 20.8714% | 262 |
| Retained earnings to average equity (ytd only) | 14.3600% | 251 |
| Net charge-offs to loans | -0.1546% | 7,601 |
| Credit loss provision to net charge-offs | -1,135.8491% | 7,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8826% | 5,260 |
| Assets per employee ($millions) | 1.8162% | 7,576 |
| Cash dividends to net income (ytd only)* | 31.1975% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 961 |
| Loan loss allowance to noncurrent loans | 306.0685% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 5,437 |
| Noncurrent loans to loans | 0.9314% | 5,372 |
| Net loans and leases to total assets | 86.5001% | 168 |
| Net loans and leases to deposits | 101.1687% | 576 |
| Net loans and leases to core deposits | 101.2966% | 1,720 |
| Total domestic deposits to total assets | 85.5008% | 3,341 |
| Equity capital to assets | 12.4332% | 1,888 |
| Core capital (leverage) ratio | 10.4267% | 2,771 |
| Tier 1 risk-based capital ratio | 10.8293% | 6,521 |
| Total risk-based capital ratio | 12.0972% | 6,486 |
| Memoranda: | ||
| Average total assets | $211,487,500 | 3,019 |
| Average earning assets | $190,319,750 | 3,041 |
| Average equity | $26,619,500 | 2,449 |
| Average total loans | $182,852,750 | 2,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.2859% | 8 |
| Cost of funding earning assets | 1.3260% | 4,370 |
| Net interest margin | 16.9599% | 7 |
| Noninterest income to average assets | 1.0807% | 1,143 |
| Noninterest expense to average assets | 10.6586% | 71 |
| Loan and lease loss provision to assets | 1.7028% | 735 |
| Net operating income to assets | 2.6671% | 113 |
| Return on assets (ROA) | 2.3131% | 204 |
| Pretax return on assets | 3.6266% | 85 |
| Return on Equity (ROE) | 18.2922% | 439 |
| Retained earnings to average equity (ytd only) | 9.0108% | 1,105 |
| Net charge-offs to loans | 0.0183% | 6,087 |
| Credit loss provision to net charge-offs | 10,881.2500% | 34 |
| Earnings coverage of net charge-offs (x) | 363.1875% | 92 |
| Efficiency ratio | 65.2223% | 5,116 |
| Assets per employee ($millions) | 1.6817% | 7,686 |
| Cash dividends to net income (ytd only)* | 50.7400% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6923% | 1,100 |
| Loan loss allowance to noncurrent loans | 221.7988% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 5,047 |
| Noncurrent loans to loans | 1.2139% | 4,937 |
| Net loans and leases to total assets | 84.0514% | 350 |
| Net loans and leases to deposits | 97.9498% | 879 |
| Net loans and leases to core deposits | 98.2221% | 2,206 |
| Total domestic deposits to total assets | 85.8106% | 3,197 |
| Equity capital to assets | 12.5913% | 1,748 |
| Core capital (leverage) ratio | 9.9826% | 3,179 |
| Tier 1 risk-based capital ratio | 11.2358% | 6,012 |
| Total risk-based capital ratio | 12.5019% | 5,981 |
| Memoranda: | ||
| Average total assets | $204,491,670 | 3,104 |
| Average earning assets | $184,011,000 | 3,148 |
| Average equity | $25,858,000 | 2,501 |
| Average total loans | $174,806,330 | 2,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.3997% | 10 |
| Cost of funding earning assets | 1.2956% | 4,846 |
| Net interest margin | 16.1041% | 9 |
| Noninterest income to average assets | 1.0507% | 1,152 |
| Noninterest expense to average assets | 10.5270% | 71 |
| Loan and lease loss provision to assets | 1.7357% | 652 |
| Net operating income to assets | 2.1978% | 252 |
| Return on assets (ROA) | 1.8302% | 512 |
| Pretax return on assets | 2.9532% | 144 |
| Return on Equity (ROE) | 14.4403% | 966 |
| Retained earnings to average equity (ytd only) | 12.8552% | 637 |
| Net charge-offs to loans | 0.4491% | 2,705 |
| Credit loss provision to net charge-offs | 454.7368% | 923 |
| Earnings coverage of net charge-offs (x) | 13.2474% | 1,512 |
| Efficiency ratio | 67.5519% | 4,811 |
| Assets per employee ($millions) | 1.8550% | 7,736 |
| Cash dividends to net income (ytd only)* | 10.9769% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1842% | 1,787 |
| Loan loss allowance to noncurrent loans | 97.3898% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 3,672 |
| Noncurrent loans to loans | 2.2428% | 3,466 |
| Net loans and leases to total assets | 81.6082% | 635 |
| Net loans and leases to deposits | 94.4130% | 1,303 |
| Net loans and leases to core deposits | 94.6709% | 2,750 |
| Total domestic deposits to total assets | 86.4374% | 2,925 |
| Equity capital to assets | 12.2936% | 1,877 |
| Core capital (leverage) ratio | 11.0764% | 2,183 |
| Tier 1 risk-based capital ratio | 11.2518% | 5,902 |
| Total risk-based capital ratio | 12.5121% | 5,851 |
| Memoranda: | ||
| Average total assets | $199,107,500 | 3,228 |
| Average earning assets | $179,681,500 | 3,254 |
| Average equity | $25,235,000 | 2,585 |
| Average total loans | $169,242,000 | 2,624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7548% | 8 |
| Cost of funding earning assets | 2.0690% | 2,636 |
| Net interest margin | 14.6858% | 6 |
| Noninterest income to average assets | 0.9659% | 1,680 |
| Noninterest expense to average assets | 9.7242% | 106 |
| Loan and lease loss provision to assets | 1.8558% | 1,211 |
| Net operating income to assets | 1.8445% | 327 |
| Return on assets (ROA) | 1.5276% | 677 |
| Pretax return on assets | 2.5015% | 158 |
| Return on Equity (ROE) | 12.3957% | 1,074 |
| Retained earnings to average equity (ytd only) | 11.4758% | 250 |
| Net charge-offs to loans | 2.2340% | 1,059 |
| Credit loss provision to net charge-offs | 95.6192% | 5,794 |
| Earnings coverage of net charge-offs (x) | 2.4030% | 3,930 |
| Efficiency ratio | 67.5846% | 5,082 |
| Assets per employee ($millions) | 1.6471% | 7,864 |
| Cash dividends to net income (ytd only)* | 7.4212% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 1,848 |
| Loan loss allowance to noncurrent loans | 70.7264% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.5604% | 2,731 |
| Noncurrent loans to loans | 2.9470% | 2,612 |
| Net loans and leases to total assets | 85.0699% | 344 |
| Net loans and leases to deposits | 116.7444% | 217 |
| Net loans and leases to core deposits | 326.0901% | 29 |
| Total domestic deposits to total assets | 72.8685% | 7,168 |
| Equity capital to assets | 13.1297% | 1,457 |
| Core capital (leverage) ratio | 10.4053% | 2,685 |
| Tier 1 risk-based capital ratio | 11.1917% | 5,730 |
| Total risk-based capital ratio | 12.4507% | 5,673 |
| Memoranda: | ||
| Average total assets | $176,416,000 | 3,496 |
| Average earning assets | $161,237,800 | 3,494 |
| Average equity | $21,741,400 | 2,979 |
| Average total loans | $153,266,000 | 2,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.5277% | 10 |
| Cost of funding earning assets | 2.2661% | 2,127 |
| Net interest margin | 14.2616% | 8 |
| Noninterest income to average assets | 0.8986% | 1,985 |
| Noninterest expense to average assets | 9.9740% | 101 |
| Loan and lease loss provision to assets | 1.6763% | 1,114 |
| Net operating income to assets | 1.5104% | 792 |
| Return on assets (ROA) | 1.1946% | 1,538 |
| Pretax return on assets | 1.9715% | 572 |
| Return on Equity (ROE) | 9.8602% | 1,972 |
| Retained earnings to average equity (ytd only) | 9.2322% | 790 |
| Net charge-offs to loans | 1.7394% | 1,163 |
| Credit loss provision to net charge-offs | 110.9265% | 4,586 |
| Earnings coverage of net charge-offs (x) | 2.6138% | 3,916 |
| Efficiency ratio | 71.6323% | 4,308 |
| Assets per employee ($millions) | 1.6607% | 7,947 |
| Cash dividends to net income (ytd only)* | 6.3694% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 1,281 |
| Loan loss allowance to noncurrent loans | 57.3405% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.5146% | 1,888 |
| Noncurrent loans to loans | 4.0296% | 1,824 |
| Net loans and leases to total assets | 85.2045% | 420 |
| Net loans and leases to deposits | 111.5287% | 411 |
| Net loans and leases to core deposits | 288.8908% | 37 |
| Total domestic deposits to total assets | 76.3970% | 6,497 |
| Equity capital to assets | 12.5724% | 1,904 |
| Core capital (leverage) ratio | 10.1484% | 3,118 |
| Tier 1 risk-based capital ratio | 10.6133% | 6,329 |
| Total risk-based capital ratio | 11.8749% | 6,299 |
| Memoranda: | ||
| Average total assets | $175,224,000 | 3,527 |
| Average earning assets | $160,034,250 | 3,550 |
| Average equity | $21,229,500 | 3,068 |
| Average total loans | $152,229,000 | 2,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4450% | 11 |
| Cost of funding earning assets | 2.5260% | 1,521 |
| Net interest margin | 13.9189% | 9 |
| Noninterest income to average assets | 0.8829% | 2,054 |
| Noninterest expense to average assets | 9.8896% | 116 |
| Loan and lease loss provision to assets | 1.6169% | 1,042 |
| Net operating income to assets | 1.4144% | 991 |
| Return on assets (ROA) | 1.1045% | 1,836 |
| Pretax return on assets | 1.8373% | 792 |
| Return on Equity (ROE) | 9.2375% | 2,274 |
| Retained earnings to average equity (ytd only) | 8.2722% | 1,128 |
| Net charge-offs to loans | 2.0978% | 880 |
| Credit loss provision to net charge-offs | 88.8396% | 4,958 |
| Earnings coverage of net charge-offs (x) | 2.0571% | 4,055 |
| Efficiency ratio | 72.5387% | 4,298 |
| Assets per employee ($millions) | 1.6270% | 8,040 |
| Cash dividends to net income (ytd only)* | 10.4493% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,264 |
| Loan loss allowance to noncurrent loans | 81.7223% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 2,846 |
| Noncurrent loans to loans | 2.6778% | 2,689 |
| Net loans and leases to total assets | 83.5734% | 696 |
| Net loans and leases to deposits | 111.0595% | 517 |
| Net loans and leases to core deposits | 220.8412% | 80 |
| Total domestic deposits to total assets | 75.2510% | 6,707 |
| Equity capital to assets | 12.3641% | 2,000 |
| Core capital (leverage) ratio | 9.2434% | 4,244 |
| Tier 1 risk-based capital ratio | 10.4593% | 6,416 |
| Total risk-based capital ratio | 11.7197% | 6,350 |
| Memoranda: | ||
| Average total assets | $173,293,670 | 3,580 |
| Average earning assets | $158,747,670 | 3,585 |
| Average equity | $20,720,000 | 3,138 |
| Average total loans | $150,345,000 | 2,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.7083% | 11 |
| Cost of funding earning assets | 2.7766% | 1,039 |
| Net interest margin | 12.9316% | 12 |
| Noninterest income to average assets | 0.8329% | 2,163 |
| Noninterest expense to average assets | 9.9550% | 118 |
| Loan and lease loss provision to assets | 1.0758% | 1,216 |
| Net operating income to assets | 1.1660% | 1,754 |
| Return on assets (ROA) | 0.8005% | 3,287 |
| Pretax return on assets | 1.3210% | 2,210 |
| Return on Equity (ROE) | 6.8117% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.8430% | 3,212 |
| Net charge-offs to loans | -0.1985% | 8,009 |
| Credit loss provision to net charge-offs | -620.0000% | 6,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2791% | 3,122 |
| Assets per employee ($millions) | 1.6420% | 8,080 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5982% | 694 |
| Loan loss allowance to noncurrent loans | 101.8205% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.2408% | 2,555 |
| Noncurrent loans to loans | 2.5517% | 2,583 |
| Net loans and leases to total assets | 85.5326% | 494 |
| Net loans and leases to deposits | 113.7744% | 456 |
| Net loans and leases to core deposits | 211.6512% | 113 |
| Total domestic deposits to total assets | 75.1774% | 6,671 |
| Equity capital to assets | 11.7606% | 2,403 |
| Core capital (leverage) ratio | 9.3543% | 4,169 |
| Tier 1 risk-based capital ratio | 9.5242% | 7,408 |
| Total risk-based capital ratio | 10.7894% | 7,335 |
| Memoranda: | ||
| Average total assets | $172,898,500 | 3,606 |
| Average earning assets | $158,897,000 | 3,598 |
| Average equity | $20,318,000 | 3,217 |
| Average total loans | $151,146,000 | 2,989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.2750% | 11 |
| Cost of funding earning assets | 3.9533% | 115 |
| Net interest margin | 13.3217% | 13 |
| Noninterest income to average assets | 1.0474% | 1,433 |
| Noninterest expense to average assets | 10.8452% | 125 |
| Loan and lease loss provision to assets | 1.4157% | 975 |
| Net operating income to assets | 0.4585% | 4,914 |
| Return on assets (ROA) | 0.4585% | 4,735 |
| Pretax return on assets | 0.7630% | 4,204 |
| Return on Equity (ROE) | 3.7203% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.6734% | 4,214 |
| Net charge-offs to loans | 1.0553% | 1,166 |
| Credit loss provision to net charge-offs | 160.5866% | 3,213 |
| Earnings coverage of net charge-offs (x) | 2.4714% | 4,837 |
| Efficiency ratio | 83.2712% | 2,143 |
| Assets per employee ($millions) | 1.7175% | 8,088 |
| Cash dividends to net income (ytd only)* | 55.0206% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2957% | 857 |
| Loan loss allowance to noncurrent loans | 406.5166% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 5,731 |
| Noncurrent loans to loans | 0.5647% | 5,672 |
| Net loans and leases to total assets | 85.0207% | 733 |
| Net loans and leases to deposits | 112.1977% | 697 |
| Net loans and leases to core deposits | 188.7187% | 223 |
| Total domestic deposits to total assets | 75.7776% | 6,292 |
| Equity capital to assets | 11.7421% | 2,473 |
| Core capital (leverage) ratio | 8.9467% | 4,819 |
| Tier 1 risk-based capital ratio | 9.4766% | 7,336 |
| Total risk-based capital ratio | 10.7297% | 7,251 |
| Memoranda: | ||
| Average total assets | $158,577,400 | 3,744 |
| Average earning assets | $142,564,400 | 3,796 |
| Average equity | $19,541,600 | 3,300 |
| Average total loans | $132,479,400 | 3,230 |