Home > Marlin Business Bank > Performance and Condition Ratios
Marlin Business Bank, Performance and Condition Ratios
| 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 | 8.6115% | 22 |
| Cost of funding earning assets | 1.6024% | 6 |
| Net interest margin | 7.0091% | 32 |
| Noninterest income to average assets | 0.0402% | 4,740 |
| Noninterest expense to average assets | 5.4910% | 150 |
| Loan and lease loss provision to assets | -1.8077% | 4,838 |
| Net operating income to assets | 2.4158% | 177 |
| Return on assets (ROA) | 2.4158% | 181 |
| Pretax return on assets | 3.2352% | 116 |
| Return on Equity (ROE) | 14.7433% | 1,010 |
| Retained earnings to average equity (ytd only) | 14.7433% | 246 |
| Net charge-offs to loans | 0.8653% | 76 |
| Credit loss provision to net charge-offs | -234.7066% | 3,554 |
| Earnings coverage of net charge-offs (x) | 1.8535% | 2,599 |
| Efficiency ratio | 79.3665% | 846 |
| Assets per employee ($millions) | 209.1890% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8751% | 168 |
| Loan loss allowance to noncurrent loans | 657.8256% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 1,533 |
| Noncurrent loans to loans | 0.4371% | 2,043 |
| Net loans and leases to total assets | 95.0217% | 3 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 4,848 |
| Equity capital to assets | 18.9508% | 216 |
| Core capital (leverage) ratio | 17.4321% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1579% | 634 |
| Memoranda: | ||
| Average total assets | $913,945,000 | 1,032 |
| Average earning assets | $896,904,600 | 982 |
| Average equity | $149,755,800 | 714 |
| Average total loans | $813,437,600 | 788 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4620% | 24 |
| Cost of funding earning assets | 1.1567% | 44 |
| Net interest margin | 7.3052% | 28 |
| Noninterest income to average assets | 0.4205% | 2,975 |
| Noninterest expense to average assets | 5.3375% | 151 |
| Loan and lease loss provision to assets | -1.8750% | 4,913 |
| Net operating income to assets | 3.0898% | 114 |
| Return on assets (ROA) | 3.0898% | 116 |
| Pretax return on assets | 4.1462% | 80 |
| Return on Equity (ROE) | 19.5425% | 460 |
| Retained earnings to average equity (ytd only) | 19.5425% | 146 |
| Net charge-offs to loans | 0.9596% | 68 |
| Credit loss provision to net charge-offs | -224.5338% | 3,421 |
| Earnings coverage of net charge-offs (x) | 2.7198% | 2,336 |
| Efficiency ratio | 70.1504% | 1,585 |
| Assets per employee ($millions) | 201.0644% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3444% | 117 |
| Loan loss allowance to noncurrent loans | 888.5393% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,272 |
| Noncurrent loans to loans | 0.3764% | 2,428 |
| Net loans and leases to total assets | 77.1147% | 468 |
| Net loans and leases to deposits | 96.6162% | 331 |
| Net loans and leases to core deposits | 476.6551% | 11 |
| Total domestic deposits to total assets | 79.8155% | 4,255 |
| Equity capital to assets | 15.7285% | 446 |
| Core capital (leverage) ratio | 17.8377% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9431% | 608 |
| Memoranda: | ||
| Average total assets | $933,242,250 | 1,022 |
| Average earning assets | $918,299,250 | 982 |
| Average equity | $147,551,750 | 735 |
| Average total loans | $812,137,750 | 804 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7513% | 22 |
| Cost of funding earning assets | 1.2409% | 35 |
| Net interest margin | 7.5104% | 23 |
| Noninterest income to average assets | 0.4430% | 2,886 |
| Noninterest expense to average assets | 5.5377% | 143 |
| Loan and lease loss provision to assets | -2.6478% | 4,950 |
| Net operating income to assets | 3.6808% | 81 |
| Return on assets (ROA) | 3.6678% | 84 |
| Pretax return on assets | 4.9258% | 65 |
| Return on Equity (ROE) | 23.1538% | 253 |
| Retained earnings to average equity (ytd only) | 23.1538% | 91 |
| Net charge-offs to loans | 1.1255% | 70 |
| Credit loss provision to net charge-offs | -262.3012% | 3,283 |
| Earnings coverage of net charge-offs (x) | 2.2730% | 2,131 |
| Efficiency ratio | 70.7044% | 1,559 |
| Assets per employee ($millions) | 183.6260% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4774% | 98 |
| Loan loss allowance to noncurrent loans | 522.7400% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 1,430 |
| Noncurrent loans to loans | 0.6652% | 1,759 |
| Net loans and leases to total assets | 84.7865% | 112 |
| Net loans and leases to deposits | 108.1794% | 131 |
| Net loans and leases to core deposits | 386.5155% | 15 |
| Total domestic deposits to total assets | 78.3758% | 4,401 |
| Equity capital to assets | 16.7007% | 346 |
| Core capital (leverage) ratio | 18.8588% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1628% | 682 |
| Memoranda: | ||
| Average total assets | $909,215,667 | 1,042 |
| Average earning assets | $894,540,333 | 999 |
| Average equity | $144,028,333 | 747 |
| Average total loans | $815,491,667 | 806 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9033% | 19 |
| Cost of funding earning assets | 1.3345% | 33 |
| Net interest margin | 7.5688% | 26 |
| Noninterest income to average assets | 0.4474% | 2,838 |
| Noninterest expense to average assets | 5.5409% | 141 |
| Loan and lease loss provision to assets | -1.1358% | 4,961 |
| Net operating income to assets | 2.5974% | 233 |
| Return on assets (ROA) | 2.5673% | 263 |
| Pretax return on assets | 3.4617% | 150 |
| Return on Equity (ROE) | 16.6658% | 897 |
| Retained earnings to average equity (ytd only) | 16.6658% | 450 |
| Net charge-offs to loans | 1.6542% | 44 |
| Credit loss provision to net charge-offs | -75.7594% | 2,800 |
| Earnings coverage of net charge-offs (x) | 1.5768% | 1,842 |
| Efficiency ratio | 70.0951% | 1,686 |
| Assets per employee ($millions) | 176.0638% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6688% | 48 |
| Loan loss allowance to noncurrent loans | 1,587.7628% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 2,802 |
| Noncurrent loans to loans | 0.2941% | 3,047 |
| Net loans and leases to total assets | 87.5756% | 53 |
| Net loans and leases to deposits | 110.7527% | 128 |
| Net loans and leases to core deposits | 310.0373% | 18 |
| Total domestic deposits to total assets | 79.0732% | 4,321 |
| Equity capital to assets | 16.1519% | 374 |
| Core capital (leverage) ratio | 16.8362% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2920% | 755 |
| Memoranda: | ||
| Average total assets | $904,758,500 | 1,031 |
| Average earning assets | $891,449,000 | 990 |
| Average equity | $139,375,500 | 767 |
| Average total loans | $819,990,000 | 798 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4440% | 18 |
| Cost of funding earning assets | 1.7213% | 31 |
| Net interest margin | 7.7227% | 23 |
| Noninterest income to average assets | 0.6914% | 1,894 |
| Noninterest expense to average assets | 5.5924% | 150 |
| Loan and lease loss provision to assets | 3.4567% | 13 |
| Net operating income to assets | -0.2260% | 4,823 |
| Return on assets (ROA) | -0.2200% | 4,838 |
| Pretax return on assets | -0.7171% | 4,902 |
| Return on Equity (ROE) | -1.7522% | 4,838 |
| Retained earnings to average equity (ytd only) | -1.7522% | 4,689 |
| Net charge-offs to loans | 3.2640% | 25 |
| Credit loss provision to net charge-offs | 121.8124% | 2,618 |
| Earnings coverage of net charge-offs (x) | 0.9628% | 3,295 |
| Efficiency ratio | 67.1800% | 2,340 |
| Assets per employee ($millions) | 232.2995% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1282% | 36 |
| Loan loss allowance to noncurrent loans | 905.8649% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 2,043 |
| Noncurrent loans to loans | 0.5661% | 2,286 |
| Net loans and leases to total assets | 84.8741% | 138 |
| Net loans and leases to deposits | 105.4234% | 236 |
| Net loans and leases to core deposits | 284.5492% | 25 |
| Total domestic deposits to total assets | 80.5078% | 3,956 |
| Equity capital to assets | 14.6969% | 632 |
| Core capital (leverage) ratio | 15.2607% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5343% | 834 |
| Memoranda: | ||
| Average total assets | $1,036,719,400 | 852 |
| Average earning assets | $1,024,679,200 | 802 |
| Average equity | $130,179,400 | 767 |
| Average total loans | $901,328,200 | 712 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6039% | 17 |
| Cost of funding earning assets | 1.7747% | 33 |
| Net interest margin | 7.8292% | 22 |
| Noninterest income to average assets | 0.7625% | 1,613 |
| Noninterest expense to average assets | 5.5446% | 152 |
| Loan and lease loss provision to assets | 6.0400% | 8 |
| Net operating income to assets | -1.9238% | 4,986 |
| Return on assets (ROA) | -1.9150% | 4,989 |
| Pretax return on assets | -3.0785% | 5,006 |
| Return on Equity (ROE) | -15.8399% | 4,993 |
| Retained earnings to average equity (ytd only) | -15.8399% | 4,974 |
| Net charge-offs to loans | 3.5161% | 23 |
| Credit loss provision to net charge-offs | 198.8445% | 2,119 |
| Earnings coverage of net charge-offs (x) | 0.9713% | 3,103 |
| Efficiency ratio | 65.2697% | 2,548 |
| Assets per employee ($millions) | 331.9127% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8547% | 24 |
| Loan loss allowance to noncurrent loans | 762.1433% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 1,487 |
| Noncurrent loans to loans | 0.8994% | 1,662 |
| Net loans and leases to total assets | 80.5532% | 560 |
| Net loans and leases to deposits | 96.5142% | 724 |
| Net loans and leases to core deposits | 250.2376% | 24 |
| Total domestic deposits to total assets | 83.4625% | 3,006 |
| Equity capital to assets | 12.4122% | 1,461 |
| Core capital (leverage) ratio | 13.2562% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2055% | 1,022 |
| Memoranda: | ||
| Average total assets | $1,063,599,750 | 815 |
| Average earning assets | $1,050,433,250 | 767 |
| Average equity | $128,583,500 | 763 |
| Average total loans | $918,840,750 | 692 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7002% | 19 |
| Cost of funding earning assets | 1.8280% | 36 |
| Net interest margin | 7.8722% | 24 |
| Noninterest income to average assets | 0.8683% | 1,240 |
| Noninterest expense to average assets | 5.6338% | 150 |
| Loan and lease loss provision to assets | 7.7023% | 5 |
| Net operating income to assets | -3.1191% | 5,035 |
| Return on assets (ROA) | -3.1062% | 5,033 |
| Pretax return on assets | -4.6893% | 5,044 |
| Return on Equity (ROE) | -25.9046% | 5,040 |
| Retained earnings to average equity (ytd only) | -33.2752% | 5,036 |
| Net charge-offs to loans | 3.1127% | 34 |
| Credit loss provision to net charge-offs | 286.5205% | 1,656 |
| Earnings coverage of net charge-offs (x) | 1.1147% | 2,879 |
| Efficiency ratio | 65.2785% | 2,618 |
| Assets per employee ($millions) | 358.9180% | 8 |
| Cash dividends to net income (ytd only)* | -28.4529% | 5,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6842% | 21 |
| Loan loss allowance to noncurrent loans | 518.2817% | 979 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 1,042 |
| Noncurrent loans to loans | 1.2897% | 1,209 |
| Net loans and leases to total assets | 79.5415% | 646 |
| Net loans and leases to deposits | 93.6463% | 994 |
| Net loans and leases to core deposits | 235.4364% | 28 |
| Total domestic deposits to total assets | 84.9382% | 2,425 |
| Equity capital to assets | 10.8837% | 2,438 |
| Core capital (leverage) ratio | 11.7871% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2330% | 1,433 |
| Memoranda: | ||
| Average total assets | $1,086,220,333 | 794 |
| Average earning assets | $1,071,028,667 | 750 |
| Average equity | $130,247,000 | 755 |
| Average total loans | $938,078,667 | 665 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0236% | 22 |
| Cost of funding earning assets | 1.8445% | 65 |
| Net interest margin | 8.1791% | 26 |
| Noninterest income to average assets | 1.2840% | 534 |
| Noninterest expense to average assets | 6.3409% | 140 |
| Loan and lease loss provision to assets | 8.7564% | 8 |
| Net operating income to assets | -3.0651% | 5,074 |
| Return on assets (ROA) | -3.0483% | 5,065 |
| Pretax return on assets | -5.7198% | 5,088 |
| Return on Equity (ROE) | -24.3144% | 5,071 |
| Retained earnings to average equity (ytd only) | -38.3520% | 5,065 |
| Net charge-offs to loans | 2.8867% | 43 |
| Credit loss provision to net charge-offs | 348.9990% | 1,082 |
| Earnings coverage of net charge-offs (x) | 1.2018% | 2,409 |
| Efficiency ratio | 67.7718% | 2,711 |
| Assets per employee ($millions) | 280.9370% | 10 |
| Cash dividends to net income (ytd only)* | -57.7339% | 5,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2537% | 37 |
| Loan loss allowance to noncurrent loans | 733.6176% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 2,188 |
| Noncurrent loans to loans | 0.7161% | 2,209 |
| Net loans and leases to total assets | 80.0583% | 690 |
| Net loans and leases to deposits | 94.6986% | 1,019 |
| Net loans and leases to core deposits | 235.0537% | 28 |
| Total domestic deposits to total assets | 84.5401% | 2,586 |
| Equity capital to assets | 11.1842% | 2,697 |
| Core capital (leverage) ratio | 13.2735% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1614% | 1,563 |
| Memoranda: | ||
| Average total assets | $1,090,953,500 | 765 |
| Average earning assets | $1,076,699,500 | 712 |
| Average equity | $136,775,000 | 712 |
| Average total loans | $948,210,500 | 629 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4712% | 23 |
| Cost of funding earning assets | 1.9818% | 70 |
| Net interest margin | 8.4894% | 25 |
| Noninterest income to average assets | 2.3058% | 217 |
| Noninterest expense to average assets | 6.5065% | 122 |
| Loan and lease loss provision to assets | 2.3054% | 33 |
| Net operating income to assets | 1.4054% | 1,325 |
| Return on assets (ROA) | 1.4132% | 1,376 |
| Pretax return on assets | 1.9058% | 737 |
| Return on Equity (ROE) | 10.1843% | 2,216 |
| Retained earnings to average equity (ytd only) | 6.0600% | 1,835 |
| Net charge-offs to loans | 2.0843% | 54 |
| Credit loss provision to net charge-offs | 125.3449% | 2,036 |
| Earnings coverage of net charge-offs (x) | 2.2843% | 3,434 |
| Efficiency ratio | 60.7645% | 3,574 |
| Assets per employee ($millions) | 264.5398% | 9 |
| Cash dividends to net income (ytd only)* | 40.4968% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 413 |
| Loan loss allowance to noncurrent loans | 367.3236% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 2,403 |
| Noncurrent loans to loans | 0.5627% | 2,491 |
| Net loans and leases to total assets | 87.6343% | 97 |
| Net loans and leases to deposits | 109.4021% | 201 |
| Net loans and leases to core deposits | 239.1120% | 31 |
| Total domestic deposits to total assets | 80.1029% | 3,957 |
| Equity capital to assets | 13.9741% | 1,109 |
| Core capital (leverage) ratio | 13.9117% | 951 |
| Tier 1 risk-based capital ratio | 15.4729% | 2,588 |
| Total risk-based capital ratio | 16.7328% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,048,387,200 | 750 |
| Average earning assets | $1,037,575,800 | 704 |
| Average equity | $145,479,200 | 645 |
| Average total loans | $925,084,600 | 625 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4149% | 24 |
| Cost of funding earning assets | 1.9754% | 69 |
| Net interest margin | 8.4396% | 26 |
| Noninterest income to average assets | 1.8779% | 293 |
| Noninterest expense to average assets | 6.3168% | 128 |
| Loan and lease loss provision to assets | 1.8670% | 45 |
| Net operating income to assets | 1.4877% | 1,221 |
| Return on assets (ROA) | 1.4999% | 1,246 |
| Pretax return on assets | 2.0586% | 605 |
| Return on Equity (ROE) | 10.8279% | 2,087 |
| Retained earnings to average equity (ytd only) | 10.8279% | 562 |
| Net charge-offs to loans | 1.7798% | 68 |
| Credit loss provision to net charge-offs | 119.3060% | 1,961 |
| Earnings coverage of net charge-offs (x) | 2.4987% | 3,190 |
| Efficiency ratio | 61.7665% | 3,356 |
| Assets per employee ($millions) | 179.8040% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 704 |
| Loan loss allowance to noncurrent loans | 238.3035% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 2,028 |
| Noncurrent loans to loans | 0.7497% | 2,088 |
| Net loans and leases to total assets | 86.8963% | 139 |
| Net loans and leases to deposits | 107.3435% | 282 |
| Net loans and leases to core deposits | 236.9131% | 34 |
| Total domestic deposits to total assets | 80.9516% | 3,773 |
| Equity capital to assets | 13.9827% | 1,164 |
| Core capital (leverage) ratio | 13.7794% | 1,044 |
| Tier 1 risk-based capital ratio | 15.6863% | 2,568 |
| Total risk-based capital ratio | 16.9428% | 2,500 |
| Memoranda: | ||
| Average total assets | $1,045,944,250 | 755 |
| Average earning assets | $1,034,720,000 | 702 |
| Average equity | $144,882,000 | 641 |
| Average total loans | $919,635,500 | 627 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2548% | 23 |
| Cost of funding earning assets | 1.9171% | 82 |
| Net interest margin | 8.3377% | 26 |
| Noninterest income to average assets | 1.5146% | 395 |
| Noninterest expense to average assets | 6.3601% | 129 |
| Loan and lease loss provision to assets | 1.5152% | 55 |
| Net operating income to assets | 1.3963% | 1,450 |
| Return on assets (ROA) | 1.4106% | 1,454 |
| Pretax return on assets | 1.8986% | 840 |
| Return on Equity (ROE) | 10.2174% | 2,284 |
| Retained earnings to average equity (ytd only) | 10.2174% | 699 |
| Net charge-offs to loans | 1.7443% | 64 |
| Credit loss provision to net charge-offs | 99.0150% | 2,018 |
| Earnings coverage of net charge-offs (x) | 2.2190% | 2,962 |
| Efficiency ratio | 65.1936% | 2,948 |
| Assets per employee ($millions) | 137.1323% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,211 |
| Loan loss allowance to noncurrent loans | 411.9887% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,241 |
| Noncurrent loans to loans | 0.3690% | 3,203 |
| Net loans and leases to total assets | 86.2342% | 195 |
| Net loans and leases to deposits | 105.9779% | 343 |
| Net loans and leases to core deposits | 242.8886% | 33 |
| Total domestic deposits to total assets | 81.3700% | 3,704 |
| Equity capital to assets | 13.3394% | 1,415 |
| Core capital (leverage) ratio | 13.7634% | 1,035 |
| Tier 1 risk-based capital ratio | 15.0479% | 2,820 |
| Total risk-based capital ratio | 16.3011% | 2,738 |
| Memoranda: | ||
| Average total assets | $1,034,984,330 | 754 |
| Average earning assets | $1,022,992,000 | 709 |
| Average equity | $142,893,000 | 647 |
| Average total loans | $908,010,330 | 635 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3208% | 22 |
| Cost of funding earning assets | 1.8518% | 85 |
| Net interest margin | 8.4690% | 28 |
| Noninterest income to average assets | 1.6463% | 328 |
| Noninterest expense to average assets | 6.0951% | 133 |
| Loan and lease loss provision to assets | 1.5746% | 50 |
| Net operating income to assets | 1.7391% | 677 |
| Return on assets (ROA) | 1.7527% | 674 |
| Pretax return on assets | 2.3595% | 322 |
| Return on Equity (ROE) | 12.4645% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.4645% | 545 |
| Net charge-offs to loans | 1.7952% | 65 |
| Credit loss provision to net charge-offs | 99.8736% | 1,636 |
| Earnings coverage of net charge-offs (x) | 2.4845% | 2,489 |
| Efficiency ratio | 60.8779% | 3,694 |
| Assets per employee ($millions) | 131.2300% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 1,017 |
| Loan loss allowance to noncurrent loans | 402.6886% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 3,220 |
| Noncurrent loans to loans | 0.4029% | 3,143 |
| Net loans and leases to total assets | 84.7744% | 303 |
| Net loans and leases to deposits | 105.1357% | 353 |
| Net loans and leases to core deposits | 259.4408% | 30 |
| Total domestic deposits to total assets | 80.6333% | 4,041 |
| Equity capital to assets | 13.6581% | 1,150 |
| Core capital (leverage) ratio | 14.2898% | 869 |
| Tier 1 risk-based capital ratio | 15.6533% | 2,582 |
| Total risk-based capital ratio | 16.9076% | 2,510 |
| Memoranda: | ||
| Average total assets | $1,003,947,500 | 785 |
| Average earning assets | $991,705,500 | 735 |
| Average equity | $141,169,000 | 650 |
| Average total loans | $881,693,500 | 659 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4849% | 20 |
| Cost of funding earning assets | 1.4982% | 88 |
| Net interest margin | 8.9867% | 22 |
| Noninterest income to average assets | 0.7003% | 1,856 |
| Noninterest expense to average assets | 5.8593% | 138 |
| Loan and lease loss provision to assets | 1.7756% | 35 |
| Net operating income to assets | 1.3848% | 1,482 |
| Return on assets (ROA) | 1.3788% | 1,496 |
| Pretax return on assets | 1.8662% | 781 |
| Return on Equity (ROE) | 9.4664% | 2,761 |
| Retained earnings to average equity (ytd only) | -4.3481% | 5,226 |
| Net charge-offs to loans | 1.9689% | 53 |
| Credit loss provision to net charge-offs | 99.1461% | 2,578 |
| Earnings coverage of net charge-offs (x) | 2.0378% | 3,561 |
| Efficiency ratio | 61.6205% | 3,601 |
| Assets per employee ($millions) | 119.7569% | 12 |
| Cash dividends to net income (ytd only)* | 145.9321% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 814 |
| Loan loss allowance to noncurrent loans | 421.8328% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 3,097 |
| Noncurrent loans to loans | 0.4054% | 3,075 |
| Net loans and leases to total assets | 88.0982% | 116 |
| Net loans and leases to deposits | 111.2960% | 220 |
| Net loans and leases to core deposits | 297.1337% | 25 |
| Total domestic deposits to total assets | 79.1566% | 4,278 |
| Equity capital to assets | 14.5033% | 836 |
| Core capital (leverage) ratio | 15.7542% | 558 |
| Tier 1 risk-based capital ratio | 15.9865% | 2,410 |
| Total risk-based capital ratio | 17.2419% | 2,351 |
| Memoranda: | ||
| Average total assets | $993,981,600 | 772 |
| Average earning assets | $974,253,000 | 725 |
| Average equity | $144,775,800 | 600 |
| Average total loans | $904,099,800 | 611 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6135% | 18 |
| Cost of funding earning assets | 1.4720% | 75 |
| Net interest margin | 9.1415% | 22 |
| Noninterest income to average assets | 0.4094% | 3,424 |
| Noninterest expense to average assets | 5.6772% | 148 |
| Loan and lease loss provision to assets | 1.7369% | 36 |
| Net operating income to assets | 1.4416% | 1,354 |
| Return on assets (ROA) | 1.4303% | 1,384 |
| Pretax return on assets | 1.9252% | 776 |
| Return on Equity (ROE) | 9.8097% | 2,704 |
| Retained earnings to average equity (ytd only) | -8.4257% | 5,370 |
| Net charge-offs to loans | 1.8485% | 54 |
| Credit loss provision to net charge-offs | 102.9467% | 2,214 |
| Earnings coverage of net charge-offs (x) | 2.1790% | 3,273 |
| Efficiency ratio | 60.6947% | 3,704 |
| Assets per employee ($millions) | 110.8288% | 12 |
| Cash dividends to net income (ytd only)* | 185.8909% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 623 |
| Loan loss allowance to noncurrent loans | 525.7172% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,379 |
| Noncurrent loans to loans | 0.3576% | 3,369 |
| Net loans and leases to total assets | 89.5192% | 88 |
| Net loans and leases to deposits | 113.0407% | 205 |
| Net loans and leases to core deposits | 294.7822% | 22 |
| Total domestic deposits to total assets | 79.1920% | 4,281 |
| Equity capital to assets | 15.3276% | 655 |
| Core capital (leverage) ratio | 14.0637% | 921 |
| Tier 1 risk-based capital ratio | 16.6602% | 2,218 |
| Total risk-based capital ratio | 17.9177% | 2,163 |
| Memoranda: | ||
| Average total assets | $1,002,963,250 | 755 |
| Average earning assets | $981,319,500 | 721 |
| Average equity | $146,232,250 | 583 |
| Average total loans | $915,446,500 | 597 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8073% | 21 |
| Cost of funding earning assets | 1.3989% | 73 |
| Net interest margin | 9.4085% | 21 |
| Noninterest income to average assets | 0.7672% | 1,583 |
| Noninterest expense to average assets | 5.4196% | 173 |
| Loan and lease loss provision to assets | 1.7043% | 41 |
| Net operating income to assets | 2.0999% | 313 |
| Return on assets (ROA) | 2.0877% | 312 |
| Pretax return on assets | 2.8074% | 143 |
| Return on Equity (ROE) | 14.5300% | 952 |
| Retained earnings to average equity (ytd only) | 11.8576% | 542 |
| Net charge-offs to loans | 1.7155% | 67 |
| Credit loss provision to net charge-offs | 108.8268% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.8909% | 2,937 |
| Efficiency ratio | 54.4856% | 4,635 |
| Assets per employee ($millions) | 134.5910% | 12 |
| Cash dividends to net income (ytd only)* | 18.3925% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,143 |
| Loan loss allowance to noncurrent loans | 555.5357% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,721 |
| Noncurrent loans to loans | 0.2861% | 3,678 |
| Net loans and leases to total assets | 89.4481% | 86 |
| Net loans and leases to deposits | 111.3158% | 247 |
| Net loans and leases to core deposits | 341.5101% | 18 |
| Total domestic deposits to total assets | 80.3553% | 4,165 |
| Equity capital to assets | 14.3109% | 860 |
| Core capital (leverage) ratio | 14.6410% | 744 |
| Tier 1 risk-based capital ratio | 15.0732% | 2,836 |
| Total risk-based capital ratio | 16.3270% | 2,760 |
| Memoranda: | ||
| Average total assets | $1,041,741,000 | 738 |
| Average earning assets | $1,016,405,330 | 691 |
| Average equity | $149,676,670 | 563 |
| Average total loans | $950,957,670 | 586 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9091% | 18 |
| Cost of funding earning assets | 1.3644% | 67 |
| Net interest margin | 9.5447% | 18 |
| Noninterest income to average assets | 0.9275% | 1,078 |
| Noninterest expense to average assets | 4.9742% | 224 |
| Loan and lease loss provision to assets | 1.8019% | 40 |
| Net operating income to assets | 2.5546% | 133 |
| Return on assets (ROA) | 2.5377% | 138 |
| Pretax return on assets | 3.4156% | 84 |
| Return on Equity (ROE) | 17.6252% | 449 |
| Retained earnings to average equity (ytd only) | 12.2004% | 648 |
| Net charge-offs to loans | 1.6412% | 78 |
| Credit loss provision to net charge-offs | 120.0000% | 1,374 |
| Earnings coverage of net charge-offs (x) | 3.4889% | 2,384 |
| Efficiency ratio | 48.7037% | 5,161 |
| Assets per employee ($millions) | 129.6236% | 13 |
| Cash dividends to net income (ytd only)* | 30.7787% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 1,051 |
| Loan loss allowance to noncurrent loans | 482.2621% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,586 |
| Noncurrent loans to loans | 0.3422% | 3,536 |
| Net loans and leases to total assets | 89.6976% | 70 |
| Net loans and leases to deposits | 111.3885% | 221 |
| Net loans and leases to core deposits | 315.1676% | 23 |
| Total domestic deposits to total assets | 80.5268% | 4,314 |
| Equity capital to assets | 14.4350% | 787 |
| Core capital (leverage) ratio | 14.9693% | 662 |
| Tier 1 risk-based capital ratio | 15.3560% | 2,715 |
| Total risk-based capital ratio | 16.6103% | 2,652 |
| Memoranda: | ||
| Average total assets | $1,024,247,500 | 751 |
| Average earning assets | $996,452,500 | 709 |
| Average equity | $147,470,500 | 573 |
| Average total loans | $937,102,500 | 596 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9153% | 15 |
| Cost of funding earning assets | 1.1987% | 73 |
| Net interest margin | 9.7167% | 17 |
| Noninterest income to average assets | 0.5545% | 2,686 |
| Noninterest expense to average assets | 6.6419% | 128 |
| Loan and lease loss provision to assets | 1.9515% | 36 |
| Net operating income to assets | 2.1743% | 200 |
| Return on assets (ROA) | 2.1743% | 201 |
| Pretax return on assets | 1.5403% | 1,486 |
| Return on Equity (ROE) | 15.3398% | 568 |
| Retained earnings to average equity (ytd only) | 10.8656% | 259 |
| Net charge-offs to loans | 1.6737% | 93 |
| Credit loss provision to net charge-offs | 126.9022% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.2707% | 3,768 |
| Efficiency ratio | 65.5423% | 3,335 |
| Assets per employee ($millions) | 126.4383% | 13 |
| Cash dividends to net income (ytd only)* | 29.1673% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,148 |
| Loan loss allowance to noncurrent loans | 547.0501% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,815 |
| Noncurrent loans to loans | 0.2921% | 3,734 |
| Net loans and leases to total assets | 90.3217% | 69 |
| Net loans and leases to deposits | 112.6648% | 198 |
| Net loans and leases to core deposits | 301.8738% | 24 |
| Total domestic deposits to total assets | 80.1685% | 4,307 |
| Equity capital to assets | 14.3600% | 817 |
| Core capital (leverage) ratio | 14.8058% | 659 |
| Tier 1 risk-based capital ratio | 15.2082% | 2,745 |
| Total risk-based capital ratio | 16.4619% | 2,674 |
| Memoranda: | ||
| Average total assets | $946,090,400 | 786 |
| Average earning assets | $932,705,200 | 729 |
| Average equity | $134,101,800 | 614 |
| Average total loans | $869,271,400 | 605 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8845% | 15 |
| Cost of funding earning assets | 1.1528% | 86 |
| Net interest margin | 9.7317% | 17 |
| Noninterest income to average assets | 0.4461% | 3,358 |
| Noninterest expense to average assets | 6.5866% | 131 |
| Loan and lease loss provision to assets | 1.9975% | 41 |
| Net operating income to assets | 0.9105% | 2,973 |
| Return on assets (ROA) | 0.9105% | 3,034 |
| Pretax return on assets | 1.4884% | 1,808 |
| Return on Equity (ROE) | 6.4465% | 3,931 |
| Retained earnings to average equity (ytd only) | 0.3544% | 5,139 |
| Net charge-offs to loans | 1.6169% | 94 |
| Credit loss provision to net charge-offs | 134.4239% | 1,831 |
| Earnings coverage of net charge-offs (x) | 2.3459% | 3,474 |
| Efficiency ratio | 65.3920% | 3,317 |
| Assets per employee ($millions) | 122.8571% | 13 |
| Cash dividends to net income (ytd only)* | 94.5031% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 1,212 |
| Loan loss allowance to noncurrent loans | 557.6982% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 4,012 |
| Noncurrent loans to loans | 0.2888% | 3,906 |
| Net loans and leases to total assets | 90.0668% | 79 |
| Net loans and leases to deposits | 109.5267% | 291 |
| Net loans and leases to core deposits | 291.5031% | 25 |
| Total domestic deposits to total assets | 82.2327% | 3,704 |
| Equity capital to assets | 13.3327% | 1,238 |
| Core capital (leverage) ratio | 13.6364% | 981 |
| Tier 1 risk-based capital ratio | 14.3812% | 3,249 |
| Total risk-based capital ratio | 15.6353% | 3,163 |
| Memoranda: | ||
| Average total assets | $929,736,500 | 804 |
| Average earning assets | $919,678,750 | 743 |
| Average equity | $131,314,250 | 627 |
| Average total loans | $854,478,000 | 615 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8652% | 17 |
| Cost of funding earning assets | 1.0973% | 103 |
| Net interest margin | 9.7680% | 17 |
| Noninterest income to average assets | 0.4596% | 3,291 |
| Noninterest expense to average assets | 6.7086% | 134 |
| Loan and lease loss provision to assets | 1.8054% | 50 |
| Net operating income to assets | 0.9846% | 2,505 |
| Return on assets (ROA) | 0.9846% | 2,553 |
| Pretax return on assets | 1.6144% | 1,301 |
| Return on Equity (ROE) | 6.8338% | 3,646 |
| Retained earnings to average equity (ytd only) | 0.7458% | 4,907 |
| Net charge-offs to loans | 1.5752% | 111 |
| Credit loss provision to net charge-offs | 124.5349% | 1,742 |
| Earnings coverage of net charge-offs (x) | 2.3589% | 3,168 |
| Efficiency ratio | 66.2351% | 3,312 |
| Assets per employee ($millions) | 118.5489% | 14 |
| Cash dividends to net income (ytd only)* | 89.0869% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,796 |
| Loan loss allowance to noncurrent loans | 557.9626% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 4,197 |
| Noncurrent loans to loans | 0.2571% | 4,119 |
| Net loans and leases to total assets | 90.8716% | 62 |
| Net loans and leases to deposits | 110.2441% | 257 |
| Net loans and leases to core deposits | 318.2019% | 26 |
| Total domestic deposits to total assets | 82.4276% | 3,759 |
| Equity capital to assets | 13.8296% | 1,020 |
| Core capital (leverage) ratio | 14.3552% | 772 |
| Tier 1 risk-based capital ratio | 14.7871% | 3,019 |
| Total risk-based capital ratio | 16.0390% | 2,952 |
| Memoranda: | ||
| Average total assets | $912,029,670 | 827 |
| Average earning assets | $902,768,000 | 759 |
| Average equity | $131,405,330 | 629 |
| Average total loans | $839,398,330 | 627 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7827% | 17 |
| Cost of funding earning assets | 1.0569% | 121 |
| Net interest margin | 9.7258% | 18 |
| Noninterest income to average assets | 0.3728% | 3,861 |
| Noninterest expense to average assets | 6.9573% | 130 |
| Loan and lease loss provision to assets | 1.7475% | 44 |
| Net operating income to assets | 0.7858% | 3,283 |
| Return on assets (ROA) | 0.7858% | 3,336 |
| Pretax return on assets | 1.3045% | 2,219 |
| Return on Equity (ROE) | 5.3403% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.3403% | 2,709 |
| Net charge-offs to loans | 1.5349% | 102 |
| Credit loss provision to net charge-offs | 123.8110% | 1,358 |
| Earnings coverage of net charge-offs (x) | 2.1623% | 2,632 |
| Efficiency ratio | 69.5087% | 2,970 |
| Assets per employee ($millions) | 114.5008% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 2,102 |
| Loan loss allowance to noncurrent loans | 578.9683% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 4,339 |
| Noncurrent loans to loans | 0.2408% | 4,245 |
| Net loans and leases to total assets | 90.1324% | 53 |
| Net loans and leases to deposits | 111.5032% | 188 |
| Net loans and leases to core deposits | 261.4834% | 29 |
| Total domestic deposits to total assets | 80.8339% | 4,452 |
| Equity capital to assets | 14.4563% | 770 |
| Core capital (leverage) ratio | 15.0386% | 599 |
| Tier 1 risk-based capital ratio | 15.6504% | 2,694 |
| Total risk-based capital ratio | 16.9018% | 2,628 |
| Memoranda: | ||
| Average total assets | $893,849,000 | 850 |
| Average earning assets | $885,643,500 | 775 |
| Average equity | $131,528,500 | 625 |
| Average total loans | $821,917,000 | 647 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0849% | 17 |
| Cost of funding earning assets | 0.9677% | 209 |
| Net interest margin | 10.1172% | 18 |
| Noninterest income to average assets | 0.8616% | 1,534 |
| Noninterest expense to average assets | 6.3173% | 145 |
| Loan and lease loss provision to assets | 1.5597% | 56 |
| Net operating income to assets | 1.8271% | 423 |
| Return on assets (ROA) | 1.8271% | 441 |
| Pretax return on assets | 2.9923% | 112 |
| Return on Equity (ROE) | 11.5871% | 1,367 |
| Retained earnings to average equity (ytd only) | 5.6554% | 1,914 |
| Net charge-offs to loans | 1.3507% | 114 |
| Credit loss provision to net charge-offs | 126.3888% | 2,114 |
| Earnings coverage of net charge-offs (x) | 3.6887% | 3,620 |
| Efficiency ratio | 58.1207% | 4,835 |
| Assets per employee ($millions) | 108.9615% | 14 |
| Cash dividends to net income (ytd only)* | 51.1922% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 2,284 |
| Loan loss allowance to noncurrent loans | 576.3061% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,443 |
| Noncurrent loans to loans | 0.2350% | 4,307 |
| Net loans and leases to total assets | 91.2734% | 44 |
| Net loans and leases to deposits | 113.9879% | 159 |
| Net loans and leases to core deposits | 347.1274% | 21 |
| Total domestic deposits to total assets | 80.0729% | 4,561 |
| Equity capital to assets | 14.9865% | 645 |
| Core capital (leverage) ratio | 15.3074% | 560 |
| Tier 1 risk-based capital ratio | 15.9459% | 2,572 |
| Total risk-based capital ratio | 17.1968% | 2,503 |
| Memoranda: | ||
| Average total assets | $812,547,200 | 893 |
| Average earning assets | $803,750,200 | 835 |
| Average equity | $128,125,400 | 626 |
| Average total loans | $742,346,200 | 672 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0419% | 14 |
| Cost of funding earning assets | 0.9469% | 227 |
| Net interest margin | 10.0950% | 17 |
| Noninterest income to average assets | 0.8251% | 1,668 |
| Noninterest expense to average assets | 6.1938% | 159 |
| Loan and lease loss provision to assets | 1.5236% | 59 |
| Net operating income to assets | 1.8827% | 415 |
| Return on assets (ROA) | 1.8827% | 438 |
| Pretax return on assets | 3.0931% | 114 |
| Return on Equity (ROE) | 11.7803% | 1,393 |
| Retained earnings to average equity (ytd only) | 7.8065% | 1,251 |
| Net charge-offs to loans | 1.3462% | 109 |
| Credit loss provision to net charge-offs | 124.3147% | 2,038 |
| Earnings coverage of net charge-offs (x) | 3.7669% | 3,363 |
| Efficiency ratio | 57.2948% | 4,919 |
| Assets per employee ($millions) | 120.5934% | 14 |
| Cash dividends to net income (ytd only)* | 33.7328% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 2,638 |
| Loan loss allowance to noncurrent loans | 622.0161% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 4,668 |
| Noncurrent loans to loans | 0.2104% | 4,514 |
| Net loans and leases to total assets | 89.8337% | 74 |
| Net loans and leases to deposits | 111.9418% | 225 |
| Net loans and leases to core deposits | 359.9600% | 20 |
| Total domestic deposits to total assets | 80.2504% | 4,455 |
| Equity capital to assets | 15.5171% | 627 |
| Core capital (leverage) ratio | 16.0468% | 466 |
| Tier 1 risk-based capital ratio | 16.7268% | 2,326 |
| Total risk-based capital ratio | 17.9771% | 2,275 |
| Memoranda: | ||
| Average total assets | $797,761,000 | 908 |
| Average earning assets | $789,093,250 | 847 |
| Average equity | $127,497,750 | 633 |
| Average total loans | $726,296,750 | 687 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0891% | 14 |
| Cost of funding earning assets | 0.9179% | 264 |
| Net interest margin | 10.1712% | 16 |
| Noninterest income to average assets | 0.8025% | 1,703 |
| Noninterest expense to average assets | 6.1348% | 164 |
| Loan and lease loss provision to assets | 1.5005% | 60 |
| Net operating income to assets | 1.9916% | 337 |
| Return on assets (ROA) | 1.9916% | 352 |
| Pretax return on assets | 3.2213% | 109 |
| Return on Equity (ROE) | 12.3324% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.3166% | 1,954 |
| Net charge-offs to loans | 1.3517% | 117 |
| Credit loss provision to net charge-offs | 121.9152% | 1,843 |
| Earnings coverage of net charge-offs (x) | 3.8365% | 3,052 |
| Efficiency ratio | 56.5077% | 5,083 |
| Assets per employee ($millions) | 135.7323% | 13 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,999 |
| Loan loss allowance to noncurrent loans | 613.8158% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 4,744 |
| Noncurrent loans to loans | 0.2056% | 4,619 |
| Net loans and leases to total assets | 89.6168% | 76 |
| Net loans and leases to deposits | 112.1179% | 206 |
| Net loans and leases to core deposits | 355.8309% | 25 |
| Total domestic deposits to total assets | 79.9308% | 4,565 |
| Equity capital to assets | 15.6550% | 594 |
| Core capital (leverage) ratio | 15.9198% | 472 |
| Tier 1 risk-based capital ratio | 16.8858% | 2,264 |
| Total risk-based capital ratio | 18.1212% | 2,224 |
| Memoranda: | ||
| Average total assets | $782,296,670 | 922 |
| Average earning assets | $773,283,000 | 868 |
| Average equity | $126,334,330 | 636 |
| Average total loans | $712,264,670 | 698 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1210% | 15 |
| Cost of funding earning assets | 0.8940% | 306 |
| Net interest margin | 10.2270% | 16 |
| Noninterest income to average assets | 0.7977% | 1,623 |
| Noninterest expense to average assets | 5.3111% | 233 |
| Loan and lease loss provision to assets | 1.6841% | 50 |
| Net operating income to assets | 2.4191% | 179 |
| Return on assets (ROA) | 2.4191% | 186 |
| Pretax return on assets | 3.9063% | 79 |
| Return on Equity (ROE) | 14.7398% | 711 |
| Retained earnings to average equity (ytd only) | 14.7398% | 267 |
| Net charge-offs to loans | 1.3406% | 140 |
| Credit loss provision to net charge-offs | 137.7455% | 1,325 |
| Earnings coverage of net charge-offs (x) | 4.5726% | 2,411 |
| Efficiency ratio | 48.7191% | 5,692 |
| Assets per employee ($millions) | 129.6437% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,964 |
| Loan loss allowance to noncurrent loans | 449.8527% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 4,512 |
| Noncurrent loans to loans | 0.2869% | 4,406 |
| Net loans and leases to total assets | 90.0475% | 61 |
| Net loans and leases to deposits | 114.2323% | 147 |
| Net loans and leases to core deposits | 352.0107% | 22 |
| Total domestic deposits to total assets | 78.8284% | 5,007 |
| Equity capital to assets | 16.4698% | 483 |
| Core capital (leverage) ratio | 17.0276% | 368 |
| Tier 1 risk-based capital ratio | 17.7335% | 2,057 |
| Total risk-based capital ratio | 18.9836% | 2,026 |
| Memoranda: | ||
| Average total assets | $766,248,000 | 940 |
| Average earning assets | $757,018,000 | 885 |
| Average equity | $125,755,000 | 641 |
| Average total loans | $698,815,000 | 717 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1301% | 16 |
| Cost of funding earning assets | 0.7971% | 494 |
| Net interest margin | 10.3330% | 16 |
| Noninterest income to average assets | 0.7922% | 1,817 |
| Noninterest expense to average assets | 5.0951% | 261 |
| Loan and lease loss provision to assets | 1.4014% | 54 |
| Net operating income to assets | 2.8365% | 97 |
| Return on assets (ROA) | 2.8365% | 96 |
| Pretax return on assets | 4.4997% | 59 |
| Return on Equity (ROE) | 16.9461% | 461 |
| Retained earnings to average equity (ytd only) | 6.2155% | 1,694 |
| Net charge-offs to loans | 1.5744% | 96 |
| Credit loss provision to net charge-offs | 99.1593% | 2,570 |
| Earnings coverage of net charge-offs (x) | 4.1755% | 3,601 |
| Efficiency ratio | 46.3349% | 5,914 |
| Assets per employee ($millions) | 125.7723% | 14 |
| Cash dividends to net income (ytd only)* | 63.3220% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 3,466 |
| Loan loss allowance to noncurrent loans | 553.5117% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 4,803 |
| Noncurrent loans to loans | 0.2173% | 4,643 |
| Net loans and leases to total assets | 90.0769% | 63 |
| Net loans and leases to deposits | 115.5198% | 150 |
| Net loans and leases to core deposits | 335.1532% | 24 |
| Total domestic deposits to total assets | 77.9753% | 5,172 |
| Equity capital to assets | 16.3520% | 484 |
| Core capital (leverage) ratio | 16.8960% | 377 |
| Tier 1 risk-based capital ratio | 17.5369% | 2,114 |
| Total risk-based capital ratio | 18.7119% | 2,087 |
| Memoranda: | ||
| Average total assets | $723,774,000 | 959 |
| Average earning assets | $714,740,600 | 893 |
| Average equity | $121,148,600 | 631 |
| Average total loans | $649,704,400 | 720 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1893% | 16 |
| Cost of funding earning assets | 0.7701% | 594 |
| Net interest margin | 10.4192% | 16 |
| Noninterest income to average assets | 0.7871% | 1,844 |
| Noninterest expense to average assets | 4.8892% | 300 |
| Loan and lease loss provision to assets | 1.4231% | 38 |
| Net operating income to assets | 2.9416% | 93 |
| Return on assets (ROA) | 2.9416% | 92 |
| Pretax return on assets | 4.7738% | 57 |
| Return on Equity (ROE) | 17.4676% | 438 |
| Retained earnings to average equity (ytd only) | 3.0937% | 4,253 |
| Net charge-offs to loans | 1.5761% | 87 |
| Credit loss provision to net charge-offs | 101.0044% | 2,241 |
| Earnings coverage of net charge-offs (x) | 4.3982% | 3,356 |
| Efficiency ratio | 44.1022% | 6,039 |
| Assets per employee ($millions) | 146.7230% | 11 |
| Cash dividends to net income (ytd only)* | 82.2889% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 3,254 |
| Loan loss allowance to noncurrent loans | 548.8614% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 4,920 |
| Noncurrent loans to loans | 0.2316% | 4,738 |
| Net loans and leases to total assets | 89.3210% | 80 |
| Net loans and leases to deposits | 112.9516% | 187 |
| Net loans and leases to core deposits | 318.5169% | 27 |
| Total domestic deposits to total assets | 79.0789% | 4,955 |
| Equity capital to assets | 16.1894% | 534 |
| Core capital (leverage) ratio | 16.8139% | 395 |
| Tier 1 risk-based capital ratio | 17.4733% | 2,194 |
| Total risk-based capital ratio | 18.7143% | 2,152 |
| Memoranda: | ||
| Average total assets | $716,059,000 | 977 |
| Average earning assets | $707,802,750 | 901 |
| Average equity | $120,586,250 | 639 |
| Average total loans | $640,124,000 | 736 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2066% | 17 |
| Cost of funding earning assets | 0.7559% | 626 |
| Net interest margin | 10.4507% | 17 |
| Noninterest income to average assets | 0.7648% | 1,928 |
| Noninterest expense to average assets | 4.7620% | 350 |
| Loan and lease loss provision to assets | 1.6080% | 36 |
| Net operating income to assets | 2.9208% | 97 |
| Return on assets (ROA) | 2.9208% | 99 |
| Pretax return on assets | 4.7276% | 63 |
| Return on Equity (ROE) | 17.1166% | 469 |
| Retained earnings to average equity (ytd only) | 17.1166% | 119 |
| Net charge-offs to loans | 1.7518% | 85 |
| Credit loss provision to net charge-offs | 103.1058% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.0625% | 3,094 |
| Efficiency ratio | 42.9101% | 6,150 |
| Assets per employee ($millions) | 142.7384% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 3,103 |
| Loan loss allowance to noncurrent loans | 666.0422% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 5,143 |
| Noncurrent loans to loans | 0.1992% | 4,978 |
| Net loans and leases to total assets | 88.9108% | 98 |
| Net loans and leases to deposits | 114.4063% | 170 |
| Net loans and leases to core deposits | 312.6689% | 29 |
| Total domestic deposits to total assets | 77.7149% | 5,332 |
| Equity capital to assets | 17.6956% | 366 |
| Core capital (leverage) ratio | 17.9943% | 291 |
| Tier 1 risk-based capital ratio | 19.2320% | 1,740 |
| Total risk-based capital ratio | 20.4826% | 1,706 |
| Memoranda: | ||
| Average total assets | $710,207,000 | 983 |
| Average earning assets | $702,191,330 | 915 |
| Average equity | $121,192,330 | 639 |
| Average total loans | $632,262,670 | 740 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3004% | 15 |
| Cost of funding earning assets | 0.7520% | 647 |
| Net interest margin | 10.5484% | 15 |
| Noninterest income to average assets | 0.7696% | 1,830 |
| Noninterest expense to average assets | 4.4479% | 445 |
| Loan and lease loss provision to assets | 1.8683% | 33 |
| Net operating income to assets | 3.0184% | 87 |
| Return on assets (ROA) | 3.0184% | 90 |
| Pretax return on assets | 4.8911% | 60 |
| Return on Equity (ROE) | 18.0239% | 384 |
| Retained earnings to average equity (ytd only) | 18.0239% | 143 |
| Net charge-offs to loans | 1.6693% | 106 |
| Credit loss provision to net charge-offs | 126.4908% | 1,397 |
| Earnings coverage of net charge-offs (x) | 4.5765% | 2,473 |
| Efficiency ratio | 39.6877% | 6,271 |
| Assets per employee ($millions) | 118.8117% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 2,733 |
| Loan loss allowance to noncurrent loans | 516.4290% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 4,958 |
| Noncurrent loans to loans | 0.2791% | 4,782 |
| Net loans and leases to total assets | 86.8517% | 151 |
| Net loans and leases to deposits | 110.9019% | 206 |
| Net loans and leases to core deposits | 310.1220% | 31 |
| Total domestic deposits to total assets | 78.3140% | 5,390 |
| Equity capital to assets | 17.0166% | 423 |
| Core capital (leverage) ratio | 17.3537% | 330 |
| Tier 1 risk-based capital ratio | 18.9089% | 1,895 |
| Total risk-based capital ratio | 20.1608% | 1,859 |
| Memoranda: | ||
| Average total assets | $708,464,500 | 982 |
| Average earning assets | $701,034,500 | 916 |
| Average equity | $118,642,500 | 648 |
| Average total loans | $626,853,500 | 744 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5258% | 18 |
| Cost of funding earning assets | 0.7317% | 947 |
| Net interest margin | 10.7941% | 18 |
| Noninterest income to average assets | 0.7455% | 2,096 |
| Noninterest expense to average assets | 5.1195% | 287 |
| Loan and lease loss provision to assets | 1.3434% | 70 |
| Net operating income to assets | 3.0511% | 88 |
| Return on assets (ROA) | 3.0511% | 87 |
| Pretax return on assets | 4.9509% | 54 |
| Return on Equity (ROE) | 19.3357% | 292 |
| Retained earnings to average equity (ytd only) | 19.3357% | 70 |
| Net charge-offs to loans | 1.4870% | 166 |
| Credit loss provision to net charge-offs | 101.3826% | 2,359 |
| Earnings coverage of net charge-offs (x) | 4.7501% | 3,575 |
| Efficiency ratio | 44.8536% | 6,302 |
| Assets per employee ($millions) | 117.3432% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 3,245 |
| Loan loss allowance to noncurrent loans | 563.7896% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 5,180 |
| Noncurrent loans to loans | 0.2371% | 4,980 |
| Net loans and leases to total assets | 87.6564% | 129 |
| Net loans and leases to deposits | 112.1057% | 194 |
| Net loans and leases to core deposits | 304.0118% | 29 |
| Total domestic deposits to total assets | 78.1909% | 5,399 |
| Equity capital to assets | 16.4729% | 480 |
| Core capital (leverage) ratio | 17.2902% | 343 |
| Tier 1 risk-based capital ratio | 18.1851% | 2,086 |
| Total risk-based capital ratio | 19.4359% | 2,043 |
| Memoranda: | ||
| Average total assets | $671,356,600 | 993 |
| Average earning assets | $663,529,000 | 928 |
| Average equity | $105,938,600 | 687 |
| Average total loans | $598,245,800 | 735 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5877% | 18 |
| Cost of funding earning assets | 0.7318% | 981 |
| Net interest margin | 10.8559% | 18 |
| Noninterest income to average assets | 0.7493% | 2,103 |
| Noninterest expense to average assets | 5.0766% | 292 |
| Loan and lease loss provision to assets | 1.2774% | 71 |
| Net operating income to assets | 3.1635% | 89 |
| Return on assets (ROA) | 3.1635% | 88 |
| Pretax return on assets | 5.1198% | 59 |
| Return on Equity (ROE) | 20.2840% | 267 |
| Retained earnings to average equity (ytd only) | 20.2840% | 67 |
| Net charge-offs to loans | 1.4791% | 163 |
| Credit loss provision to net charge-offs | 96.8450% | 2,306 |
| Earnings coverage of net charge-offs (x) | 4.8499% | 3,368 |
| Efficiency ratio | 44.2449% | 6,356 |
| Assets per employee ($millions) | 112.9603% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 3,562 |
| Loan loss allowance to noncurrent loans | 512.8352% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 5,292 |
| Noncurrent loans to loans | 0.2568% | 5,136 |
| Net loans and leases to total assets | 88.7821% | 84 |
| Net loans and leases to deposits | 112.4794% | 175 |
| Net loans and leases to core deposits | 308.2686% | 30 |
| Total domestic deposits to total assets | 78.9318% | 5,341 |
| Equity capital to assets | 16.4015% | 507 |
| Core capital (leverage) ratio | 16.7011% | 402 |
| Tier 1 risk-based capital ratio | 17.9710% | 2,219 |
| Total risk-based capital ratio | 19.2216% | 2,179 |
| Memoranda: | ||
| Average total assets | $663,181,000 | 1,019 |
| Average earning assets | $655,161,000 | 949 |
| Average equity | $103,428,500 | 704 |
| Average total loans | $591,428,750 | 746 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5738% | 16 |
| Cost of funding earning assets | 0.7271% | 1,036 |
| Net interest margin | 10.8466% | 16 |
| Noninterest income to average assets | 0.7404% | 2,089 |
| Noninterest expense to average assets | 5.0401% | 307 |
| Loan and lease loss provision to assets | 1.1016% | 89 |
| Net operating income to assets | 3.2872% | 78 |
| Return on assets (ROA) | 3.2872% | 79 |
| Pretax return on assets | 5.3074% | 58 |
| Return on Equity (ROE) | 21.4575% | 224 |
| Retained earnings to average equity (ytd only) | 21.4575% | 68 |
| Net charge-offs to loans | 1.5294% | 180 |
| Credit loss provision to net charge-offs | 81.0098% | 2,316 |
| Earnings coverage of net charge-offs (x) | 4.7131% | 3,056 |
| Efficiency ratio | 44.0217% | 6,419 |
| Assets per employee ($millions) | 96.0231% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,287 |
| Loan loss allowance to noncurrent loans | 460.3115% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 5,384 |
| Noncurrent loans to loans | 0.2668% | 5,219 |
| Net loans and leases to total assets | 88.4056% | 88 |
| Net loans and leases to deposits | 111.6363% | 173 |
| Net loans and leases to core deposits | 328.3106% | 28 |
| Total domestic deposits to total assets | 79.1907% | 5,416 |
| Equity capital to assets | 15.8036% | 582 |
| Core capital (leverage) ratio | 15.9898% | 480 |
| Tier 1 risk-based capital ratio | 17.3082% | 2,499 |
| Total risk-based capital ratio | 18.5113% | 2,471 |
| Memoranda: | ||
| Average total assets | $658,320,670 | 1,027 |
| Average earning assets | $649,952,330 | 956 |
| Average equity | $100,850,330 | 722 |
| Average total loans | $585,317,670 | 748 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6837% | 16 |
| Cost of funding earning assets | 0.7246% | 1,103 |
| Net interest margin | 10.9591% | 15 |
| Noninterest income to average assets | 0.7565% | 1,930 |
| Noninterest expense to average assets | 4.8609% | 343 |
| Loan and lease loss provision to assets | 0.9665% | 115 |
| Net operating income to assets | 3.5296% | 73 |
| Return on assets (ROA) | 3.5296% | 76 |
| Pretax return on assets | 5.7587% | 50 |
| Return on Equity (ROE) | 23.4224% | 165 |
| Retained earnings to average equity (ytd only) | 23.4224% | 71 |
| Net charge-offs to loans | 1.4332% | 224 |
| Credit loss provision to net charge-offs | 76.1122% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.2959% | 2,392 |
| Efficiency ratio | 41.9546% | 6,552 |
| Assets per employee ($millions) | 95.9593% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 3,938 |
| Loan loss allowance to noncurrent loans | 579.2072% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 5,626 |
| Noncurrent loans to loans | 0.2300% | 5,410 |
| Net loans and leases to total assets | 85.3722% | 170 |
| Net loans and leases to deposits | 106.4838% | 229 |
| Net loans and leases to core deposits | 338.6990% | 26 |
| Total domestic deposits to total assets | 80.1739% | 5,455 |
| Equity capital to assets | 15.0464% | 662 |
| Core capital (leverage) ratio | 15.6763% | 518 |
| Tier 1 risk-based capital ratio | 17.0806% | 2,655 |
| Total risk-based capital ratio | 18.3314% | 2,602 |
| Memoranda: | ||
| Average total assets | $651,400,000 | 1,046 |
| Average earning assets | $643,701,500 | 967 |
| Average equity | $98,162,500 | 742 |
| Average total loans | $577,168,000 | 760 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2587% | 17 |
| Cost of funding earning assets | 0.7482% | 1,507 |
| Net interest margin | 11.5104% | 17 |
| Noninterest income to average assets | 0.6606% | 2,755 |
| Noninterest expense to average assets | 5.4006% | 264 |
| Loan and lease loss provision to assets | 1.9172% | 51 |
| Net operating income to assets | 2.8939% | 116 |
| Return on assets (ROA) | 2.8939% | 115 |
| Pretax return on assets | 4.7112% | 60 |
| Return on Equity (ROE) | 19.7241% | 296 |
| Retained earnings to average equity (ytd only) | 19.7241% | 83 |
| Net charge-offs to loans | 1.4728% | 324 |
| Credit loss provision to net charge-offs | 143.2277% | 1,626 |
| Earnings coverage of net charge-offs (x) | 4.9519% | 3,416 |
| Efficiency ratio | 44.8966% | 6,593 |
| Assets per employee ($millions) | 90.1550% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 3,483 |
| Loan loss allowance to noncurrent loans | 603.5165% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 5,633 |
| Noncurrent loans to loans | 0.2382% | 5,467 |
| Net loans and leases to total assets | 89.5119% | 51 |
| Net loans and leases to deposits | 112.2331% | 135 |
| Net loans and leases to core deposits | 325.2005% | 29 |
| Total domestic deposits to total assets | 79.7553% | 5,504 |
| Equity capital to assets | 15.0940% | 659 |
| Core capital (leverage) ratio | 15.7014% | 507 |
| Tier 1 risk-based capital ratio | 16.3830% | 2,910 |
| Total risk-based capital ratio | 17.6350% | 2,866 |
| Memoranda: | ||
| Average total assets | $558,731,200 | 1,181 |
| Average earning assets | $551,838,800 | 1,097 |
| Average equity | $81,976,000 | 869 |
| Average total loans | $507,802,000 | 839 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2534% | 17 |
| Cost of funding earning assets | 0.7639% | 1,520 |
| Net interest margin | 11.4896% | 17 |
| Noninterest income to average assets | 0.6540% | 2,863 |
| Noninterest expense to average assets | 5.5057% | 252 |
| Loan and lease loss provision to assets | 1.8363% | 49 |
| Net operating income to assets | 2.8634% | 126 |
| Return on assets (ROA) | 2.8634% | 128 |
| Pretax return on assets | 4.6627% | 60 |
| Return on Equity (ROE) | 19.6818% | 321 |
| Retained earnings to average equity (ytd only) | 19.6818% | 85 |
| Net charge-offs to loans | 1.5143% | 307 |
| Credit loss provision to net charge-offs | 133.3930% | 1,767 |
| Earnings coverage of net charge-offs (x) | 4.7211% | 3,370 |
| Efficiency ratio | 45.8626% | 6,592 |
| Assets per employee ($millions) | 65.7267% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,566 |
| Loan loss allowance to noncurrent loans | 480.6158% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 5,716 |
| Noncurrent loans to loans | 0.2633% | 5,572 |
| Net loans and leases to total assets | 90.5749% | 35 |
| Net loans and leases to deposits | 112.1489% | 130 |
| Net loans and leases to core deposits | 334.0901% | 29 |
| Total domestic deposits to total assets | 80.7631% | 5,282 |
| Equity capital to assets | 14.4974% | 830 |
| Core capital (leverage) ratio | 14.8148% | 669 |
| Tier 1 risk-based capital ratio | 15.5887% | 3,415 |
| Total risk-based capital ratio | 16.8348% | 3,382 |
| Memoranda: | ||
| Average total assets | $540,642,750 | 1,245 |
| Average earning assets | $534,106,500 | 1,146 |
| Average equity | $78,656,000 | 920 |
| Average total loans | $491,469,000 | 864 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2321% | 16 |
| Cost of funding earning assets | 0.7903% | 1,467 |
| Net interest margin | 11.4418% | 16 |
| Noninterest income to average assets | 0.6489% | 2,919 |
| Noninterest expense to average assets | 5.5397% | 256 |
| Loan and lease loss provision to assets | 1.8691% | 62 |
| Net operating income to assets | 2.7937% | 130 |
| Return on assets (ROA) | 2.7937% | 136 |
| Pretax return on assets | 4.5310% | 65 |
| Return on Equity (ROE) | 19.1772% | 368 |
| Retained earnings to average equity (ytd only) | 19.1772% | 103 |
| Net charge-offs to loans | 1.4266% | 376 |
| Credit loss provision to net charge-offs | 144.6217% | 1,580 |
| Earnings coverage of net charge-offs (x) | 4.9521% | 2,993 |
| Efficiency ratio | 46.3967% | 6,621 |
| Assets per employee ($millions) | 81.7640% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,648 |
| Loan loss allowance to noncurrent loans | 501.1538% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,804 |
| Noncurrent loans to loans | 0.2534% | 5,676 |
| Net loans and leases to total assets | 88.4970% | 76 |
| Net loans and leases to deposits | 109.6553% | 148 |
| Net loans and leases to core deposits | 321.6065% | 30 |
| Total domestic deposits to total assets | 80.7047% | 5,422 |
| Equity capital to assets | 14.2408% | 896 |
| Core capital (leverage) ratio | 15.3475% | 554 |
| Tier 1 risk-based capital ratio | 15.4706% | 3,498 |
| Total risk-based capital ratio | 16.7053% | 3,464 |
| Memoranda: | ||
| Average total assets | $523,677,000 | 1,279 |
| Average earning assets | $516,773,000 | 1,195 |
| Average equity | $76,288,670 | 950 |
| Average total loans | $474,407,000 | 892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4031% | 17 |
| Cost of funding earning assets | 0.7702% | 1,706 |
| Net interest margin | 11.6329% | 16 |
| Noninterest income to average assets | 0.6745% | 2,726 |
| Noninterest expense to average assets | 5.5201% | 267 |
| Loan and lease loss provision to assets | 1.9634% | 61 |
| Net operating income to assets | 2.8582% | 119 |
| Return on assets (ROA) | 2.8582% | 125 |
| Pretax return on assets | 4.6734% | 67 |
| Return on Equity (ROE) | 19.3704% | 336 |
| Retained earnings to average equity (ytd only) | 19.3704% | 157 |
| Net charge-offs to loans | 1.1786% | 498 |
| Credit loss provision to net charge-offs | 182.7740% | 1,174 |
| Earnings coverage of net charge-offs (x) | 6.1782% | 2,261 |
| Efficiency ratio | 45.4072% | 6,713 |
| Assets per employee ($millions) | 65.3465% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,732 |
| Loan loss allowance to noncurrent loans | 527.6100% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 5,899 |
| Noncurrent loans to loans | 0.2453% | 5,802 |
| Net loans and leases to total assets | 89.2265% | 49 |
| Net loans and leases to deposits | 111.0897% | 117 |
| Net loans and leases to core deposits | 328.2046% | 29 |
| Total domestic deposits to total assets | 80.3193% | 5,686 |
| Equity capital to assets | 14.9126% | 777 |
| Core capital (leverage) ratio | 15.8259% | 475 |
| Tier 1 risk-based capital ratio | 16.1418% | 3,184 |
| Total risk-based capital ratio | 17.3990% | 3,137 |
| Memoranda: | ||
| Average total assets | $499,341,500 | 1,351 |
| Average earning assets | $492,877,500 | 1,257 |
| Average equity | $73,679,500 | 990 |
| Average total loans | $455,097,500 | 933 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.5901% | 15 |
| Cost of funding earning assets | 0.9451% | 1,668 |
| Net interest margin | 11.6450% | 15 |
| Noninterest income to average assets | 0.6321% | 3,096 |
| Noninterest expense to average assets | 6.2161% | 204 |
| Loan and lease loss provision to assets | 1.5815% | 191 |
| Net operating income to assets | 2.6252% | 132 |
| Return on assets (ROA) | 2.6252% | 145 |
| Pretax return on assets | 4.2938% | 71 |
| Return on Equity (ROE) | 15.7637% | 691 |
| Retained earnings to average equity (ytd only) | 15.7637% | 131 |
| Net charge-offs to loans | 0.9004% | 1,266 |
| Credit loss provision to net charge-offs | 192.0847% | 1,363 |
| Earnings coverage of net charge-offs (x) | 7.1362% | 2,670 |
| Efficiency ratio | 51.4095% | 6,497 |
| Assets per employee ($millions) | 67.9873% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,375 |
| Loan loss allowance to noncurrent loans | 571.2329% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 6,100 |
| Noncurrent loans to loans | 0.2002% | 5,968 |
| Net loans and leases to total assets | 90.9046% | 30 |
| Net loans and leases to deposits | 114.3168% | 108 |
| Net loans and leases to core deposits | 350.5648% | 31 |
| Total domestic deposits to total assets | 79.5199% | 5,780 |
| Equity capital to assets | 14.5826% | 845 |
| Core capital (leverage) ratio | 15.6597% | 490 |
| Tier 1 risk-based capital ratio | 15.5003% | 3,423 |
| Total risk-based capital ratio | 16.6280% | 3,458 |
| Memoranda: | ||
| Average total assets | $372,884,600 | 1,744 |
| Average earning assets | $366,938,600 | 1,631 |
| Average equity | $62,098,400 | 1,150 |
| Average total loans | $340,974,200 | 1,242 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6342% | 15 |
| Cost of funding earning assets | 0.9893% | 1,627 |
| Net interest margin | 11.6448% | 15 |
| Noninterest income to average assets | 0.6326% | 3,090 |
| Noninterest expense to average assets | 6.5062% | 174 |
| Loan and lease loss provision to assets | 1.3804% | 245 |
| Net operating income to assets | 2.5565% | 158 |
| Return on assets (ROA) | 2.5565% | 168 |
| Pretax return on assets | 4.2024% | 74 |
| Return on Equity (ROE) | 14.7237% | 949 |
| Retained earnings to average equity (ytd only) | 14.7237% | 252 |
| Net charge-offs to loans | 0.7567% | 1,459 |
| Credit loss provision to net charge-offs | 199.8888% | 1,392 |
| Earnings coverage of net charge-offs (x) | 8.0840% | 2,507 |
| Efficiency ratio | 53.8190% | 6,270 |
| Assets per employee ($millions) | 47.8687% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 6,005 |
| Loan loss allowance to noncurrent loans | 627.6461% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 6,347 |
| Noncurrent loans to loans | 0.1626% | 6,206 |
| Net loans and leases to total assets | 89.4164% | 61 |
| Net loans and leases to deposits | 112.5663% | 125 |
| Net loans and leases to core deposits | 357.6640% | 32 |
| Total domestic deposits to total assets | 79.4345% | 5,775 |
| Equity capital to assets | 15.3842% | 732 |
| Core capital (leverage) ratio | 16.8466% | 383 |
| Tier 1 risk-based capital ratio | 16.5540% | 2,966 |
| Total risk-based capital ratio | 17.5593% | 3,075 |
| Memoranda: | ||
| Average total assets | $347,128,000 | 1,888 |
| Average earning assets | $341,510,250 | 1,764 |
| Average equity | $60,273,000 | 1,191 |
| Average total loans | $316,810,500 | 1,342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6337% | 15 |
| Cost of funding earning assets | 1.0404% | 1,520 |
| Net interest margin | 11.5933% | 15 |
| Noninterest income to average assets | 0.6365% | 3,028 |
| Noninterest expense to average assets | 6.6359% | 165 |
| Loan and lease loss provision to assets | 1.0876% | 395 |
| Net operating income to assets | 2.6276% | 145 |
| Return on assets (ROA) | 2.6276% | 158 |
| Pretax return on assets | 4.3273% | 73 |
| Return on Equity (ROE) | 14.3947% | 1,031 |
| Retained earnings to average equity (ytd only) | 14.3947% | 317 |
| Net charge-offs to loans | 0.7660% | 1,437 |
| Credit loss provision to net charge-offs | 154.8617% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.7101% | 2,432 |
| Efficiency ratio | 55.0663% | 6,219 |
| Assets per employee ($millions) | 36.8966% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 6,637 |
| Loan loss allowance to noncurrent loans | 846.0606% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 6,580 |
| Noncurrent loans to loans | 0.0966% | 6,420 |
| Net loans and leases to total assets | 91.8562% | 24 |
| Net loans and leases to deposits | 119.3445% | 74 |
| Net loans and leases to core deposits | 405.3316% | 32 |
| Total domestic deposits to total assets | 76.9673% | 6,326 |
| Equity capital to assets | 17.2918% | 406 |
| Core capital (leverage) ratio | 18.4945% | 270 |
| Tier 1 risk-based capital ratio | 18.2384% | 2,215 |
| Total risk-based capital ratio | 19.0477% | 2,333 |
| Memoranda: | ||
| Average total assets | $319,231,330 | 2,027 |
| Average earning assets | $314,302,670 | 1,902 |
| Average equity | $58,271,330 | 1,217 |
| Average total loans | $292,682,330 | 1,449 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6623% | 15 |
| Cost of funding earning assets | 1.0982% | 1,415 |
| Net interest margin | 11.5642% | 15 |
| Noninterest income to average assets | 0.6427% | 2,974 |
| Noninterest expense to average assets | 6.6720% | 159 |
| Loan and lease loss provision to assets | 1.2189% | 311 |
| Net operating income to assets | 2.5017% | 180 |
| Return on assets (ROA) | 2.5017% | 217 |
| Pretax return on assets | 4.1418% | 82 |
| Return on Equity (ROE) | 13.2669% | 1,330 |
| Retained earnings to average equity (ytd only) | 13.2669% | 646 |
| Net charge-offs to loans | 0.6071% | 1,580 |
| Credit loss provision to net charge-offs | 220.3931% | 1,262 |
| Earnings coverage of net charge-offs (x) | 9.6929% | 1,820 |
| Efficiency ratio | 55.4489% | 6,188 |
| Assets per employee ($millions) | 32.0512% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,503 |
| Loan loss allowance to noncurrent loans | 759.8291% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 6,603 |
| Noncurrent loans to loans | 0.1203% | 6,451 |
| Net loans and leases to total assets | 90.2138% | 37 |
| Net loans and leases to deposits | 121.0170% | 66 |
| Net loans and leases to core deposits | 535.2969% | 29 |
| Total domestic deposits to total assets | 74.5464% | 6,694 |
| Equity capital to assets | 19.1643% | 267 |
| Core capital (leverage) ratio | 22.1008% | 129 |
| Tier 1 risk-based capital ratio | 20.5191% | 1,585 |
| Total risk-based capital ratio | 21.4168% | 1,644 |
| Memoranda: | ||
| Average total assets | $294,364,000 | 2,208 |
| Average earning assets | $289,930,500 | 2,061 |
| Average equity | $55,506,500 | 1,279 |
| Average total loans | $268,168,500 | 1,569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2934% | 18 |
| Cost of funding earning assets | 1.3772% | 1,132 |
| Net interest margin | 10.9161% | 20 |
| Noninterest income to average assets | 0.6129% | 3,099 |
| Noninterest expense to average assets | 6.3993% | 177 |
| Loan and lease loss provision to assets | 1.1464% | 782 |
| Net operating income to assets | 2.2741% | 198 |
| Return on assets (ROA) | 2.2741% | 210 |
| Pretax return on assets | 3.7786% | 84 |
| Return on Equity (ROE) | 10.3354% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.3354% | 504 |
| Net charge-offs to loans | 0.9526% | 1,817 |
| Credit loss provision to net charge-offs | 137.4611% | 2,162 |
| Earnings coverage of net charge-offs (x) | 5.9054% | 2,649 |
| Efficiency ratio | 56.5098% | 6,249 |
| Assets per employee ($millions) | 26.8216% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 6,554 |
| Loan loss allowance to noncurrent loans | 954.8246% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 6,741 |
| Noncurrent loans to loans | 0.0932% | 6,579 |
| Net loans and leases to total assets | 90.3552% | 37 |
| Net loans and leases to deposits | 121.9558% | 78 |
| Net loans and leases to core deposits | 571.9508% | 32 |
| Total domestic deposits to total assets | 74.0884% | 6,707 |
| Equity capital to assets | 18.4885% | 317 |
| Core capital (leverage) ratio | 20.7752% | 173 |
| Tier 1 risk-based capital ratio | 19.7668% | 1,692 |
| Total risk-based capital ratio | 20.6447% | 1,763 |
| Memoranda: | ||
| Average total assets | $192,692,600 | 3,151 |
| Average earning assets | $189,077,800 | 2,978 |
| Average equity | $42,398,000 | 1,582 |
| Average total loans | $168,704,600 | 2,384 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2665% | 19 |
| Cost of funding earning assets | 1.4732% | 944 |
| Net interest margin | 10.7933% | 22 |
| Noninterest income to average assets | 0.6244% | 3,029 |
| Noninterest expense to average assets | 6.1529% | 187 |
| Loan and lease loss provision to assets | 1.0402% | 810 |
| Net operating income to assets | 2.4578% | 168 |
| Return on assets (ROA) | 2.4578% | 175 |
| Pretax return on assets | 4.0142% | 84 |
| Return on Equity (ROE) | 10.5218% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.5218% | 723 |
| Net charge-offs to loans | 0.9847% | 1,639 |
| Credit loss provision to net charge-offs | 122.6040% | 2,636 |
| Earnings coverage of net charge-offs (x) | 5.9575% | 2,658 |
| Efficiency ratio | 54.9008% | 6,397 |
| Assets per employee ($millions) | 22.5758% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,549 |
| Loan loss allowance to noncurrent loans | 584.9359% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 6,696 |
| Noncurrent loans to loans | 0.1565% | 6,556 |
| Net loans and leases to total assets | 87.5021% | 91 |
| Net loans and leases to deposits | 125.4114% | 66 |
| Net loans and leases to core deposits | 626.6631% | 31 |
| Total domestic deposits to total assets | 69.7721% | 7,052 |
| Equity capital to assets | 21.4438% | 184 |
| Core capital (leverage) ratio | 24.4543% | 120 |
| Tier 1 risk-based capital ratio | 23.3449% | 1,097 |
| Total risk-based capital ratio | 24.2366% | 1,128 |
| Memoranda: | ||
| Average total assets | $173,811,750 | 3,452 |
| Average earning assets | $170,422,000 | 3,246 |
| Average equity | $40,600,250 | 1,658 |
| Average total loans | $149,749,750 | 2,665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3399% | 21 |
| Cost of funding earning assets | 1.5651% | 801 |
| Net interest margin | 10.7748% | 24 |
| Noninterest income to average assets | 0.6364% | 2,917 |
| Noninterest expense to average assets | 5.6551% | 245 |
| Loan and lease loss provision to assets | 1.0710% | 779 |
| Net operating income to assets | 2.7796% | 123 |
| Return on assets (ROA) | 2.7796% | 125 |
| Pretax return on assets | 4.5036% | 77 |
| Return on Equity (ROE) | 11.4484% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.4484% | 598 |
| Net charge-offs to loans | 1.0495% | 1,499 |
| Credit loss provision to net charge-offs | 119.8856% | 2,554 |
| Earnings coverage of net charge-offs (x) | 6.2403% | 2,438 |
| Efficiency ratio | 50.3585% | 6,912 |
| Assets per employee ($millions) | 17.0670% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 6,070 |
| Loan loss allowance to noncurrent loans | 979.4286% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 6,861 |
| Noncurrent loans to loans | 0.1090% | 6,702 |
| Net loans and leases to total assets | 84.5752% | 205 |
| Net loans and leases to deposits | 127.4218% | 63 |
| Net loans and leases to core deposits | 638.6413% | 33 |
| Total domestic deposits to total assets | 66.3742% | 7,252 |
| Equity capital to assets | 25.2252% | 122 |
| Core capital (leverage) ratio | 28.9643% | 87 |
| Tier 1 risk-based capital ratio | 28.3921% | 631 |
| Total risk-based capital ratio | 29.4228% | 635 |
| Memoranda: | ||
| Average total assets | $156,496,330 | 3,743 |
| Average earning assets | $153,859,000 | 3,566 |
| Average equity | $37,996,670 | 1,764 |
| Average total loans | $133,210,330 | 2,979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3235% | 23 |
| Cost of funding earning assets | 1.6734% | 624 |
| Net interest margin | 10.6501% | 23 |
| Noninterest income to average assets | 0.6871% | 2,640 |
| Noninterest expense to average assets | 4.1171% | 902 |
| Loan and lease loss provision to assets | 1.1471% | 623 |
| Net operating income to assets | 3.6656% | 87 |
| Return on assets (ROA) | 3.6656% | 89 |
| Pretax return on assets | 5.9400% | 59 |
| Return on Equity (ROE) | 15.4998% | 739 |
| Retained earnings to average equity (ytd only) | 15.4998% | 344 |
| Net charge-offs to loans | 1.4619% | 929 |
| Credit loss provision to net charge-offs | 92.4485% | 2,894 |
| Earnings coverage of net charge-offs (x) | 5.7117% | 2,223 |
| Efficiency ratio | 36.7461% | 7,434 |
| Assets per employee ($millions) | 19.7429% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,488 |
| Loan loss allowance to noncurrent loans | 890.7514% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 6,895 |
| Noncurrent loans to loans | 0.1380% | 6,698 |
| Net loans and leases to total assets | 78.4036% | 691 |
| Net loans and leases to deposits | 129.2283% | 59 |
| Net loans and leases to core deposits | 662.7756% | 32 |
| Total domestic deposits to total assets | 60.6706% | 7,428 |
| Equity capital to assets | 29.4163% | 81 |
| Core capital (leverage) ratio | 36.5942% | 57 |
| Tier 1 risk-based capital ratio | 35.1828% | 343 |
| Total risk-based capital ratio | 36.3496% | 338 |
| Memoranda: | ||
| Average total assets | $140,876,000 | 4,047 |
| Average earning assets | $139,116,000 | 3,839 |
| Average equity | $33,316,500 | 1,979 |
| Average total loans | $119,569,000 | 3,268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7731% | 21 |
| Cost of funding earning assets | 2.2346% | 272 |
| Net interest margin | 11.5385% | 24 |
| Noninterest income to average assets | 0.7041% | 2,821 |
| Noninterest expense to average assets | 4.7983% | 500 |
| Loan and lease loss provision to assets | 1.6457% | 869 |
| Net operating income to assets | 3.4940% | 49 |
| Return on assets (ROA) | 3.4940% | 51 |
| Pretax return on assets | 5.5756% | 42 |
| Return on Equity (ROE) | 22.7273% | 151 |
| Retained earnings to average equity (ytd only) | 22.7273% | 32 |
| Net charge-offs to loans | 1.3200% | 1,694 |
| Credit loss provision to net charge-offs | 137.0922% | 2,791 |
| Earnings coverage of net charge-offs (x) | 6.0156% | 2,463 |
| Efficiency ratio | 39.9207% | 7,509 |
| Assets per employee ($millions) | 17.6870% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 4,593 |
| Loan loss allowance to noncurrent loans | 486.1111% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 6,592 |
| Noncurrent loans to loans | 0.2848% | 6,487 |
| Net loans and leases to total assets | 90.6146% | 44 |
| Net loans and leases to deposits | 120.6489% | 112 |
| Net loans and leases to core deposits | 634.7686% | 30 |
| Total domestic deposits to total assets | 75.1060% | 6,756 |
| Equity capital to assets | 16.2928% | 542 |
| Core capital (leverage) ratio | 16.5757% | 441 |
| Tier 1 risk-based capital ratio | 17.3940% | 2,206 |
| Total risk-based capital ratio | 18.6450% | 2,175 |
| Memoranda: | ||
| Average total assets | $117,457,200 | 4,541 |
| Average earning assets | $115,188,200 | 4,339 |
| Average equity | $18,057,600 | 3,415 |
| Average total loans | $106,821,800 | 3,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7249% | 23 |
| Cost of funding earning assets | 2.2749% | 299 |
| Net interest margin | 11.4499% | 24 |
| Noninterest income to average assets | 0.6881% | 2,889 |
| Noninterest expense to average assets | 4.7892% | 450 |
| Loan and lease loss provision to assets | 1.5626% | 842 |
| Net operating income to assets | 3.4245% | 56 |
| Return on assets (ROA) | 3.4245% | 60 |
| Pretax return on assets | 5.5486% | 42 |
| Return on Equity (ROE) | 22.6362% | 173 |
| Retained earnings to average equity (ytd only) | 22.6362% | 51 |
| Net charge-offs to loans | 1.2307% | 1,663 |
| Credit loss provision to net charge-offs | 140.0000% | 2,841 |
| Earnings coverage of net charge-offs (x) | 6.3711% | 2,534 |
| Efficiency ratio | 40.2437% | 7,579 |
| Assets per employee ($millions) | 24.8078% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 5,045 |
| Loan loss allowance to noncurrent loans | 551.3410% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 6,840 |
| Noncurrent loans to loans | 0.2329% | 6,711 |
| Net loans and leases to total assets | 89.1776% | 78 |
| Net loans and leases to deposits | 115.9098% | 158 |
| Net loans and leases to core deposits | 660.8615% | 32 |
| Total domestic deposits to total assets | 76.9371% | 6,493 |
| Equity capital to assets | 15.3710% | 802 |
| Core capital (leverage) ratio | 15.5269% | 630 |
| Tier 1 risk-based capital ratio | 16.3792% | 2,604 |
| Total risk-based capital ratio | 17.6166% | 2,559 |
| Memoranda: | ||
| Average total assets | $115,869,250 | 4,639 |
| Average earning assets | $113,465,000 | 4,446 |
| Average equity | $17,529,000 | 3,549 |
| Average total loans | $105,086,250 | 3,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4288% | 24 |
| Cost of funding earning assets | 2.3162% | 323 |
| Net interest margin | 11.1126% | 25 |
| Noninterest income to average assets | 0.6593% | 2,961 |
| Noninterest expense to average assets | 5.2216% | 320 |
| Loan and lease loss provision to assets | 1.1525% | 1,242 |
| Net operating income to assets | 3.2153% | 68 |
| Return on assets (ROA) | 3.2153% | 72 |
| Pretax return on assets | 5.1915% | 47 |
| Return on Equity (ROE) | 21.3790% | 240 |
| Retained earnings to average equity (ytd only) | 21.3790% | 69 |
| Net charge-offs to loans | 1.2670% | 1,506 |
| Credit loss provision to net charge-offs | 100.1536% | 4,061 |
| Earnings coverage of net charge-offs (x) | 5.5131% | 2,651 |
| Efficiency ratio | 45.1475% | 7,476 |
| Assets per employee ($millions) | 20.6283% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 6,661 |
| Loan loss allowance to noncurrent loans | 395.4887% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,862 |
| Noncurrent loans to loans | 0.2353% | 6,764 |
| Net loans and leases to total assets | 90.4743% | 61 |
| Net loans and leases to deposits | 115.4683% | 186 |
| Net loans and leases to core deposits | 666.9446% | 33 |
| Total domestic deposits to total assets | 78.3542% | 6,188 |
| Equity capital to assets | 14.4639% | 1,024 |
| Core capital (leverage) ratio | 15.2214% | 684 |
| Tier 1 risk-based capital ratio | 15.4660% | 2,908 |
| Total risk-based capital ratio | 16.3755% | 3,048 |
| Memoranda: | ||
| Average total assets | $113,146,000 | 4,727 |
| Average earning assets | $111,044,670 | 4,534 |
| Average equity | $17,016,670 | 3,628 |
| Average total loans | $102,763,670 | 3,810 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3010% | 27 |
| Cost of funding earning assets | 2.3825% | 320 |
| Net interest margin | 10.9185% | 28 |
| Noninterest income to average assets | 0.6714% | 2,801 |
| Noninterest expense to average assets | 4.0062% | 1,025 |
| Loan and lease loss provision to assets | 1.4059% | 848 |
| Net operating income to assets | 3.7317% | 57 |
| Return on assets (ROA) | 3.7317% | 60 |
| Pretax return on assets | 5.9350% | 46 |
| Return on Equity (ROE) | 24.2790% | 180 |
| Retained earnings to average equity (ytd only) | 24.2790% | 108 |
| Net charge-offs to loans | 1.5528% | 1,121 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 5.2216% | 2,440 |
| Efficiency ratio | 35.3057% | 7,798 |
| Assets per employee ($millions) | 18.6143% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 6,166 |
| Loan loss allowance to noncurrent loans | 665.1899% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 7,130 |
| Noncurrent loans to loans | 0.1599% | 7,021 |
| Net loans and leases to total assets | 87.5320% | 144 |
| Net loans and leases to deposits | 114.7416% | 201 |
| Net loans and leases to core deposits | 700.1934% | 37 |
| Total domestic deposits to total assets | 76.2862% | 6,707 |
| Equity capital to assets | 15.2902% | 813 |
| Core capital (leverage) ratio | 16.4057% | 522 |
| Tier 1 risk-based capital ratio | 16.7749% | 2,356 |
| Total risk-based capital ratio | 17.8073% | 2,376 |
| Memoranda: | ||
| Average total assets | $107,834,000 | 4,932 |
| Average earning assets | $105,436,000 | 4,723 |
| Average equity | $16,574,000 | 3,739 |
| Average total loans | $97,629,500 | 4,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0589% | 22 |
| Cost of funding earning assets | 2.8516% | 376 |
| Net interest margin | 10.2073% | 28 |
| Noninterest income to average assets | 0.3904% | 5,292 |
| Noninterest expense to average assets | 4.3254% | 959 |
| Loan and lease loss provision to assets | 1.5955% | 1,433 |
| Net operating income to assets | 2.7873% | 65 |
| Return on assets (ROA) | 2.7873% | 68 |
| Pretax return on assets | 4.4648% | 48 |
| Return on Equity (ROE) | 18.6531% | 324 |
| Retained earnings to average equity (ytd only) | 18.6531% | 48 |
| Net charge-offs to loans | 1.5054% | 1,666 |
| Credit loss provision to net charge-offs | 118.0440% | 4,583 |
| Earnings coverage of net charge-offs (x) | 4.4837% | 2,934 |
| Efficiency ratio | 41.6478% | 7,834 |
| Assets per employee ($millions) | 17.3303% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 5,947 |
| Loan loss allowance to noncurrent loans | 520.2970% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 6,980 |
| Noncurrent loans to loans | 0.2094% | 6,903 |
| Net loans and leases to total assets | 91.7428% | 42 |
| Net loans and leases to deposits | 118.7167% | 191 |
| Net loans and leases to core deposits | 124.9506% | 1,578 |
| Total domestic deposits to total assets | 77.2788% | 6,387 |
| Equity capital to assets | 15.4556% | 803 |
| Core capital (leverage) ratio | 15.5456% | 686 |
| Tier 1 risk-based capital ratio | 16.0708% | 2,492 |
| Total risk-based capital ratio | 17.1218% | 2,508 |
| Memoranda: | ||
| Average total assets | $97,585,800 | 5,151 |
| Average earning assets | $95,559,000 | 4,959 |
| Average equity | $14,582,000 | 4,130 |
| Average total loans | $87,618,000 | 4,278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6171% | 23 |
| Cost of funding earning assets | 2.8808% | 492 |
| Net interest margin | 9.7362% | 27 |
| Noninterest income to average assets | 0.2931% | 6,132 |
| Noninterest expense to average assets | 4.4491% | 786 |
| Loan and lease loss provision to assets | 1.2668% | 1,521 |
| Net operating income to assets | 2.5822% | 92 |
| Return on assets (ROA) | 2.5822% | 101 |
| Pretax return on assets | 4.1352% | 48 |
| Return on Equity (ROE) | 17.4430% | 504 |
| Retained earnings to average equity (ytd only) | 17.4430% | 96 |
| Net charge-offs to loans | 1.2957% | 1,586 |
| Credit loss provision to net charge-offs | 109.8795% | 4,627 |
| Earnings coverage of net charge-offs (x) | 4.6855% | 3,039 |
| Efficiency ratio | 45.1636% | 7,797 |
| Assets per employee ($millions) | 17.3855% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,709 |
| Loan loss allowance to noncurrent loans | 297.3422% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 6,774 |
| Noncurrent loans to loans | 0.3067% | 6,753 |
| Net loans and leases to total assets | 93.2357% | 32 |
| Net loans and leases to deposits | 121.2953% | 182 |
| Net loans and leases to core deposits | 125.0202% | 1,812 |
| Total domestic deposits to total assets | 76.8667% | 6,371 |
| Equity capital to assets | 14.5802% | 1,120 |
| Core capital (leverage) ratio | 15.2276% | 815 |
| Tier 1 risk-based capital ratio | 15.1688% | 2,967 |
| Total risk-based capital ratio | 16.0614% | 3,072 |
| Memoranda: | ||
| Average total assets | $95,986,750 | 5,243 |
| Average earning assets | $94,229,750 | 5,032 |
| Average equity | $14,209,750 | 4,240 |
| Average total loans | $85,410,750 | 4,385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2081% | 26 |
| Cost of funding earning assets | 2.9422% | 555 |
| Net interest margin | 9.2659% | 28 |
| Noninterest income to average assets | 0.0215% | 7,863 |
| Noninterest expense to average assets | 4.2913% | 956 |
| Loan and lease loss provision to assets | 1.0964% | 1,563 |
| Net operating income to assets | 2.3280% | 151 |
| Return on assets (ROA) | 2.3280% | 168 |
| Pretax return on assets | 3.7292% | 58 |
| Return on Equity (ROE) | 15.6378% | 743 |
| Retained earnings to average equity (ytd only) | 15.6378% | 176 |
| Net charge-offs to loans | 1.0596% | 1,701 |
| Credit loss provision to net charge-offs | 118.8372% | 3,914 |
| Earnings coverage of net charge-offs (x) | 5.2302% | 2,881 |
| Efficiency ratio | 47.0699% | 7,800 |
| Assets per employee ($millions) | 19.9752% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,232 |
| Loan loss allowance to noncurrent loans | 351.9685% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 6,839 |
| Noncurrent loans to loans | 0.2845% | 6,808 |
| Net loans and leases to total assets | 88.4877% | 216 |
| Net loans and leases to deposits | 113.1195% | 441 |
| Net loans and leases to core deposits | 113.1195% | 3,006 |
| Total domestic deposits to total assets | 78.2250% | 6,015 |
| Equity capital to assets | 14.4539% | 1,175 |
| Core capital (leverage) ratio | 15.5415% | 819 |
| Tier 1 risk-based capital ratio | 15.6568% | 2,745 |
| Total risk-based capital ratio | 16.6264% | 2,794 |
| Memoranda: | ||
| Average total assets | $93,211,330 | 5,366 |
| Average earning assets | $91,497,000 | 5,144 |
| Average equity | $13,876,670 | 4,333 |
| Average total loans | $81,163,670 | 4,553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9303% | 29 |
| Cost of funding earning assets | 2.9439% | 693 |
| Net interest margin | 8.9863% | 32 |
| Noninterest income to average assets | 0.0223% | 7,964 |
| Noninterest expense to average assets | 3.8229% | 1,426 |
| Loan and lease loss provision to assets | 2.5278% | 456 |
| Net operating income to assets | 1.5443% | 863 |
| Return on assets (ROA) | 1.5443% | 938 |
| Pretax return on assets | 2.4744% | 272 |
| Return on Equity (ROE) | 10.2081% | 2,236 |
| Retained earnings to average equity (ytd only) | 10.2081% | 1,138 |
| Net charge-offs to loans | 2.4277% | 590 |
| Credit loss provision to net charge-offs | 121.3675% | 3,248 |
| Earnings coverage of net charge-offs (x) | 2.4017% | 3,532 |
| Efficiency ratio | 43.3182% | 7,956 |
| Assets per employee ($millions) | 15.9297% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,285 |
| Loan loss allowance to noncurrent loans | 285.3125% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 6,510 |
| Noncurrent loans to loans | 0.3948% | 6,434 |
| Net loans and leases to total assets | 83.8551% | 708 |
| Net loans and leases to deposits | 106.9782% | 790 |
| Net loans and leases to core deposits | 106.9782% | 3,799 |
| Total domestic deposits to total assets | 78.3852% | 5,894 |
| Equity capital to assets | 14.5159% | 1,228 |
| Core capital (leverage) ratio | 16.3439% | 736 |
| Tier 1 risk-based capital ratio | 16.3927% | 2,555 |
| Total risk-based capital ratio | 17.4715% | 2,550 |
| Memoranda: | ||
| Average total assets | $89,879,000 | 5,489 |
| Average earning assets | $88,045,000 | 5,287 |
| Average equity | $13,597,000 | 4,425 |
| Average total loans | $77,109,500 | 4,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9769% | 68 |
| Cost of funding earning assets | 2.2048% | 5,577 |
| Net interest margin | 6.7721% | 64 |
| Noninterest income to average assets | 0.0128% | 8,055 |
| Noninterest expense to average assets | 2.3121% | 6,661 |
| Loan and lease loss provision to assets | 0.4254% | 3,153 |
| Net operating income to assets | 2.4202% | 150 |
| Return on assets (ROA) | 2.4202% | 149 |
| Pretax return on assets | 3.8871% | 64 |
| Return on Equity (ROE) | 10.4725% | 2,093 |
| Retained earnings to average equity (ytd only) | 10.4725% | 390 |
| Net charge-offs to loans | 0.5143% | 2,300 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 10.1379% | 2,568 |
| Efficiency ratio | 34.9017% | 8,202 |
| Assets per employee ($millions) | 9.3533% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,192 |
| Loan loss allowance to noncurrent loans | 732.4324% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 7,054 |
| Noncurrent loans to loans | 0.1517% | 6,958 |
| Net loans and leases to total assets | 85.9420% | 612 |
| Net loans and leases to deposits | 114.0672% | 609 |
| Net loans and leases to core deposits | 114.0672% | 3,333 |
| Total domestic deposits to total assets | 75.3433% | 6,380 |
| Equity capital to assets | 15.8232% | 976 |
| Core capital (leverage) ratio | 19.3340% | 484 |
| Tier 1 risk-based capital ratio | 17.2566% | 2,242 |
| Total risk-based capital ratio | 18.3098% | 2,246 |
| Memoranda: | ||
| Average total assets | $54,540,000 | 6,602 |
| Average earning assets | $53,247,750 | 6,453 |
| Average equity | $12,604,500 | 4,674 |
| Average total loans | $45,112,000 | 5,921 |