Home > The Pitney Bowes Bank, Inc. > Performance and Condition Ratios
The Pitney Bowes Bank, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1150% | 125 |
| Cost of funding earning assets | 0.7213% | 4,187 |
| Net interest margin | 7.3937% | 30 |
| Noninterest income to average assets | 3.7500% | 161 |
| Noninterest expense to average assets | 2.3306% | 2,768 |
| Loan and lease loss provision to assets | 0.3700% | 275 |
| Net operating income to assets | 6.0296% | 57 |
| Return on assets (ROA) | 5.8404% | 57 |
| Pretax return on assets | 7.7060% | 59 |
| Return on Equity (ROE) | 74.6400% | 13 |
| Retained earnings to average equity (ytd only) | 0.7216% | 3,550 |
| Net charge-offs to loans | 1.1638% | 128 |
| Credit loss provision to net charge-offs | 68.0982% | 1,474 |
| Earnings coverage of net charge-offs (x) | 15.3576% | 1,538 |
| Efficiency ratio | 21.8944% | 4,427 |
| Assets per employee ($millions) | 27.8111% | 56 |
| Cash dividends to net income (ytd only)* | 99.0332% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 580 |
| Loan loss allowance to noncurrent loans | 469.7674% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 2,578 |
| Noncurrent loans to loans | 0.3737% | 2,189 |
| Net loans and leases to total assets | 48.7800% | 3,629 |
| Net loans and leases to deposits | 58.0525% | 3,564 |
| Net loans and leases to core deposits | 65.4215% | 3,493 |
| Total domestic deposits to total assets | 84.0300% | 2,893 |
| Equity capital to assets | 8.0937% | 3,541 |
| Core capital (leverage) ratio | 11.3433% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $843,031,500 | 1,190 |
| Average earning assets | $786,347,500 | 1,179 |
| Average equity | $65,968,500 | 1,428 |
| Average total loans | $392,171,000 | 1,580 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1939% | 143 |
| Cost of funding earning assets | 0.7212% | 4,220 |
| Net interest margin | 7.4727% | 31 |
| Noninterest income to average assets | 3.3500% | 175 |
| Noninterest expense to average assets | 1.6219% | 4,163 |
| Loan and lease loss provision to assets | 0.5800% | 171 |
| Net operating income to assets | 6.2339% | 59 |
| Return on assets (ROA) | 5.7945% | 63 |
| Pretax return on assets | 7.5758% | 63 |
| Return on Equity (ROE) | 83.6600% | 7 |
| Retained earnings to average equity (ytd only) | 7.7224% | 1,207 |
| Net charge-offs to loans | 1.4070% | 104 |
| Credit loss provision to net charge-offs | 104.2323% | 1,834 |
| Earnings coverage of net charge-offs (x) | 15.5426% | 2,015 |
| Efficiency ratio | 15.6881% | 4,464 |
| Assets per employee ($millions) | 44.8279% | 29 |
| Cash dividends to net income (ytd only)* | 90.7688% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 330 |
| Loan loss allowance to noncurrent loans | 523.7311% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,584 |
| Noncurrent loans to loans | 0.3940% | 2,097 |
| Net loans and leases to total assets | 42.5500% | 3,941 |
| Net loans and leases to deposits | 49.5254% | 3,928 |
| Net loans and leases to core deposits | 56.0315% | 3,883 |
| Total domestic deposits to total assets | 85.9200% | 2,242 |
| Equity capital to assets | 7.5621% | 3,737 |
| Core capital (leverage) ratio | 10.8871% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $872,124,400 | 1,133 |
| Average earning assets | $815,397,800 | 1,119 |
| Average equity | $60,408,600 | 1,485 |
| Average total loans | $347,619,000 | 1,692 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1366% | 150 |
| Cost of funding earning assets | 0.7090% | 4,254 |
| Net interest margin | 7.4276% | 33 |
| Noninterest income to average assets | 3.2200% | 176 |
| Noninterest expense to average assets | 1.5435% | 4,225 |
| Loan and lease loss provision to assets | 0.5400% | 157 |
| Net operating income to assets | 6.2004% | 61 |
| Return on assets (ROA) | 5.9875% | 66 |
| Pretax return on assets | 7.8164% | 65 |
| Return on Equity (ROE) | 88.4100% | 5 |
| Retained earnings to average equity (ytd only) | 8.2455% | 1,326 |
| Net charge-offs to loans | 1.2280% | 112 |
| Credit loss provision to net charge-offs | 113.6508% | 1,545 |
| Earnings coverage of net charge-offs (x) | 18.0254% | 1,821 |
| Efficiency ratio | 15.1714% | 4,501 |
| Assets per employee ($millions) | 46.7901% | 31 |
| Cash dividends to net income (ytd only)* | 90.6737% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2853% | 270 |
| Loan loss allowance to noncurrent loans | 463.3844% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,510 |
| Noncurrent loans to loans | 0.4932% | 1,847 |
| Net loans and leases to total assets | 37.8000% | 4,091 |
| Net loans and leases to deposits | 44.5224% | 4,090 |
| Net loans and leases to core deposits | 50.1706% | 4,038 |
| Total domestic deposits to total assets | 84.9000% | 2,330 |
| Equity capital to assets | 7.4099% | 4,001 |
| Core capital (leverage) ratio | 10.1209% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $877,222,750 | 1,126 |
| Average earning assets | $820,651,250 | 1,114 |
| Average equity | $59,408,500 | 1,498 |
| Average total loans | $342,009,000 | 1,700 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1325% | 149 |
| Cost of funding earning assets | 0.6772% | 4,267 |
| Net interest margin | 7.4552% | 36 |
| Noninterest income to average assets | 3.1700% | 180 |
| Noninterest expense to average assets | 1.1739% | 4,420 |
| Loan and lease loss provision to assets | 0.6400% | 125 |
| Net operating income to assets | 6.3478% | 58 |
| Return on assets (ROA) | 6.1425% | 61 |
| Pretax return on assets | 8.0695% | 60 |
| Return on Equity (ROE) | 93.6900% | 8 |
| Retained earnings to average equity (ytd only) | 13.5923% | 393 |
| Net charge-offs to loans | 1.2080% | 106 |
| Credit loss provision to net charge-offs | 135.6935% | 1,275 |
| Earnings coverage of net charge-offs (x) | 18.9952% | 1,659 |
| Efficiency ratio | 11.5727% | 4,521 |
| Assets per employee ($millions) | 42.8255% | 32 |
| Cash dividends to net income (ytd only)* | 85.4927% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 255 |
| Loan loss allowance to noncurrent loans | 575.8110% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,607 |
| Noncurrent loans to loans | 0.4143% | 1,953 |
| Net loans and leases to total assets | 37.1500% | 4,119 |
| Net loans and leases to deposits | 45.0488% | 4,072 |
| Net loans and leases to core deposits | 50.8787% | 4,024 |
| Total domestic deposits to total assets | 82.4600% | 2,981 |
| Equity capital to assets | 6.5350% | 4,095 |
| Core capital (leverage) ratio | 10.8089% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $873,293,333 | 1,136 |
| Average earning assets | $816,555,333 | 1,121 |
| Average equity | $57,253,000 | 1,527 |
| Average total loans | $341,378,667 | 1,710 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3269% | 132 |
| Cost of funding earning assets | 0.6771% | 4,263 |
| Net interest margin | 7.6499% | 31 |
| Noninterest income to average assets | 3.0100% | 174 |
| Noninterest expense to average assets | 1.2931% | 4,411 |
| Loan and lease loss provision to assets | 0.4200% | 198 |
| Net operating income to assets | 6.4221% | 59 |
| Return on assets (ROA) | 6.1841% | 61 |
| Pretax return on assets | 8.1300% | 59 |
| Return on Equity (ROE) | 94.1700% | 11 |
| Retained earnings to average equity (ytd only) | 15.6478% | 389 |
| Net charge-offs to loans | 1.0277% | 99 |
| Credit loss provision to net charge-offs | 102.1689% | 1,130 |
| Earnings coverage of net charge-offs (x) | 21.7215% | 1,323 |
| Efficiency ratio | 12.7516% | 4,522 |
| Assets per employee ($millions) | 38.6317% | 35 |
| Cash dividends to net income (ytd only)* | 83.3835% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 287 |
| Loan loss allowance to noncurrent loans | 502.9034% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,487 |
| Noncurrent loans to loans | 0.4338% | 1,837 |
| Net loans and leases to total assets | 39.3000% | 4,042 |
| Net loans and leases to deposits | 46.8873% | 4,016 |
| Net loans and leases to core deposits | 53.2383% | 3,994 |
| Total domestic deposits to total assets | 83.8100% | 2,772 |
| Equity capital to assets | 6.7202% | 4,013 |
| Core capital (leverage) ratio | 10.6604% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $860,272,000 | 1,145 |
| Average earning assets | $802,263,000 | 1,138 |
| Average equity | $56,493,500 | 1,532 |
| Average total loans | $340,953,500 | 1,699 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6423% | 139 |
| Cost of funding earning assets | 0.4530% | 4,244 |
| Net interest margin | 7.1893% | 54 |
| Noninterest income to average assets | 3.3500% | 170 |
| Noninterest expense to average assets | 1.1878% | 4,466 |
| Loan and lease loss provision to assets | 0.7600% | 100 |
| Net operating income to assets | 6.1063% | 59 |
| Return on assets (ROA) | 6.1053% | 60 |
| Pretax return on assets | 8.0466% | 57 |
| Return on Equity (ROE) | 109.2100% | 14 |
| Retained earnings to average equity (ytd only) | 19.1383% | 148 |
| Net charge-offs to loans | 1.2124% | 79 |
| Credit loss provision to net charge-offs | 167.9620% | 1,360 |
| Earnings coverage of net charge-offs (x) | 19.5125% | 1,901 |
| Efficiency ratio | 11.8858% | 4,545 |
| Assets per employee ($millions) | 41.4594% | 35 |
| Cash dividends to net income (ytd only)* | 82.4763% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1819% | 287 |
| Loan loss allowance to noncurrent loans | 535.2305% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,470 |
| Noncurrent loans to loans | 0.4076% | 1,762 |
| Net loans and leases to total assets | 38.2500% | 4,092 |
| Net loans and leases to deposits | 44.9219% | 4,072 |
| Net loans and leases to core deposits | 49.9005% | 4,087 |
| Total domestic deposits to total assets | 85.1600% | 2,262 |
| Equity capital to assets | 6.4173% | 4,145 |
| Core capital (leverage) ratio | 10.3284% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $815,428,800 | 1,162 |
| Average earning assets | $753,254,000 | 1,167 |
| Average equity | $45,584,000 | 1,718 |
| Average total loans | $303,538,600 | 1,777 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,616 |
| Cost of funding earning assets | 3,997.0000% | 3 |
| Net interest margin | 21.0000% | 9 |
| Noninterest income to average assets | 0.0010% | 4,556 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 6.1753% | 61 |
| Pretax return on assets | 8.1336% | 59 |
| Return on Equity (ROE) | 115.0900% | 16 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 3.6346% | 4,594 |
| Assets per employee ($millions) | 0.6076% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 4,223.0000% | 7 |
| Equity capital to assets | 3,435.0000% | 34 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $29,308,000 | 4,490 |
| Average earning assets | $3,880 | 4,609 |
| Average equity | $402 | 4,564 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2537% | 153 |
| Cost of funding earning assets | 0.2617% | 4,368 |
| Net interest margin | 6.9919% | 53 |
| Noninterest income to average assets | 3.6200% | 157 |
| Noninterest expense to average assets | 1.2051% | 4,515 |
| Loan and lease loss provision to assets | 0.7800% | 93 |
| Net operating income to assets | 6.1338% | 55 |
| Return on assets (ROA) | 6.1356% | 55 |
| Pretax return on assets | 8.0647% | 53 |
| Return on Equity (ROE) | 109.6900% | 19 |
| Retained earnings to average equity (ytd only) | 9.7174% | 1,483 |
| Net charge-offs to loans | 1.0913% | 83 |
| Credit loss provision to net charge-offs | 192.4290% | 1,071 |
| Earnings coverage of net charge-offs (x) | 21.7539% | 1,713 |
| Efficiency ratio | 11.9914% | 4,598 |
| Assets per employee ($millions) | 29.4067% | 48 |
| Cash dividends to net income (ytd only)* | 91.1409% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 339 |
| Loan loss allowance to noncurrent loans | 444.5758% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,330 |
| Noncurrent loans to loans | 0.4816% | 1,510 |
| Net loans and leases to total assets | 35.4900% | 4,193 |
| Net loans and leases to deposits | 41.6653% | 4,169 |
| Net loans and leases to core deposits | 44.2522% | 4,166 |
| Total domestic deposits to total assets | 85.1700% | 2,494 |
| Equity capital to assets | 5.4881% | 4,296 |
| Core capital (leverage) ratio | 10.6773% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $779,673,667 | 1,197 |
| Average earning assets | $716,739,333 | 1,206 |
| Average equity | $43,612,667 | 1,760 |
| Average total loans | $290,491,333 | 1,820 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4159% | 84 |
| Cost of funding earning assets | 0.2020% | 4,375 |
| Net interest margin | 7.2139% | 39 |
| Noninterest income to average assets | 3.8400% | 152 |
| Noninterest expense to average assets | 1.2372% | 4,565 |
| Loan and lease loss provision to assets | 0.6200% | 114 |
| Net operating income to assets | 6.5510% | 59 |
| Return on assets (ROA) | 6.5551% | 60 |
| Pretax return on assets | 8.6169% | 56 |
| Return on Equity (ROE) | 116.0000% | 18 |
| Retained earnings to average equity (ytd only) | 1.3917% | 3,806 |
| Net charge-offs to loans | 0.6521% | 123 |
| Credit loss provision to net charge-offs | 252.8908% | 746 |
| Earnings coverage of net charge-offs (x) | 37.4647% | 1,215 |
| Efficiency ratio | 11.8145% | 4,664 |
| Assets per employee ($millions) | 25.0246% | 67 |
| Cash dividends to net income (ytd only)* | 98.8002% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 494 |
| Loan loss allowance to noncurrent loans | 418.2357% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 2,218 |
| Noncurrent loans to loans | 0.4629% | 1,559 |
| Net loans and leases to total assets | 39.3800% | 4,064 |
| Net loans and leases to deposits | 46.1200% | 4,035 |
| Net loans and leases to core deposits | 46.1945% | 4,103 |
| Total domestic deposits to total assets | 85.3800% | 2,750 |
| Equity capital to assets | 6.1371% | 4,155 |
| Core capital (leverage) ratio | 10.4352% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $757,817,000 | 1,243 |
| Average earning assets | $697,046,500 | 1,242 |
| Average equity | $42,825,000 | 1,807 |
| Average total loans | $286,446,000 | 1,856 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4252% | 71 |
| Cost of funding earning assets | 0.2005% | 3,755 |
| Net interest margin | 6.2247% | 46 |
| Noninterest income to average assets | 3.7300% | 152 |
| Noninterest expense to average assets | 1.2977% | 4,557 |
| Loan and lease loss provision to assets | 0.4400% | 147 |
| Net operating income to assets | 5.8141% | 61 |
| Return on assets (ROA) | 6.0666% | 57 |
| Pretax return on assets | 8.0001% | 54 |
| Return on Equity (ROE) | 95.3300% | 6 |
| Retained earnings to average equity (ytd only) | 10.0834% | 1,121 |
| Net charge-offs to loans | 0.6827% | 102 |
| Credit loss provision to net charge-offs | 200.2331% | 1,116 |
| Earnings coverage of net charge-offs (x) | 36.6538% | 1,559 |
| Efficiency ratio | 13.7734% | 4,701 |
| Assets per employee ($millions) | 26.3307% | 55 |
| Cash dividends to net income (ytd only)* | 89.4226% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 728 |
| Loan loss allowance to noncurrent loans | 360.4974% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,339 |
| Noncurrent loans to loans | 0.4856% | 1,487 |
| Net loans and leases to total assets | 35.0100% | 4,259 |
| Net loans and leases to deposits | 42.0736% | 4,173 |
| Net loans and leases to core deposits | 42.1377% | 4,226 |
| Total domestic deposits to total assets | 83.2200% | 3,371 |
| Equity capital to assets | 5.2046% | 4,314 |
| Core capital (leverage) ratio | 10.0599% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $774,202,600 | 1,212 |
| Average earning assets | $707,780,800 | 1,224 |
| Average equity | $49,269,200 | 1,640 |
| Average total loans | $251,373,200 | 1,935 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1964% | 67 |
| Cost of funding earning assets | 0.1873% | 3,430 |
| Net interest margin | 6.0091% | 49 |
| Noninterest income to average assets | 3.7700% | 157 |
| Noninterest expense to average assets | 1.2951% | 4,581 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 5.7508% | 60 |
| Return on assets (ROA) | 6.0893% | 57 |
| Pretax return on assets | 8.0479% | 57 |
| Return on Equity (ROE) | 91.4200% | 5 |
| Retained earnings to average equity (ytd only) | 6.0002% | 2,760 |
| Net charge-offs to loans | 0.6190% | 105 |
| Credit loss provision to net charge-offs | 180.3004% | 1,033 |
| Earnings coverage of net charge-offs (x) | 40.6890% | 1,379 |
| Efficiency ratio | 13.9741% | 4,739 |
| Assets per employee ($millions) | 24.9335% | 64 |
| Cash dividends to net income (ytd only)* | 93.4364% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,074 |
| Loan loss allowance to noncurrent loans | 260.5696% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,284 |
| Noncurrent loans to loans | 0.6114% | 1,323 |
| Net loans and leases to total assets | 31.8800% | 4,378 |
| Net loans and leases to deposits | 36.6242% | 4,345 |
| Net loans and leases to core deposits | 36.7195% | 4,379 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 4.4480% | 4,408 |
| Core capital (leverage) ratio | 9.7208% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $770,273,250 | 1,223 |
| Average earning assets | $704,887,000 | 1,238 |
| Average equity | $51,308,500 | 1,611 |
| Average total loans | $243,841,750 | 1,977 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1127% | 62 |
| Cost of funding earning assets | 0.1862% | 3,100 |
| Net interest margin | 5.9266% | 50 |
| Noninterest income to average assets | 3.8469% | 123 |
| Noninterest expense to average assets | 1.4296% | 4,501 |
| Loan and lease loss provision to assets | 0.1910% | 456 |
| Net operating income to assets | 5.7331% | 29 |
| Return on assets (ROA) | 6.2475% | 27 |
| Pretax return on assets | 8.3146% | 26 |
| Return on Equity (ROE) | 84.0343% | 7 |
| Retained earnings to average equity (ytd only) | 7.1189% | 1,946 |
| Net charge-offs to loans | 0.4176% | 168 |
| Credit loss provision to net charge-offs | 145.6914% | 1,105 |
| Earnings coverage of net charge-offs (x) | 59.8978% | 1,080 |
| Efficiency ratio | 15.3981% | 4,761 |
| Assets per employee ($millions) | 26.8471% | 53 |
| Cash dividends to net income (ytd only)* | 91.5286% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,802 |
| Loan loss allowance to noncurrent loans | 213.8146% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 2,247 |
| Noncurrent loans to loans | 0.6492% | 1,317 |
| Net loans and leases to total assets | 32.4716% | 4,384 |
| Net loans and leases to deposits | 38.5722% | 4,312 |
| Net loans and leases to core deposits | 38.5722% | 4,367 |
| Total domestic deposits to total assets | 84.1840% | 3,651 |
| Equity capital to assets | 5.9521% | 4,215 |
| Core capital (leverage) ratio | 10.3495% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,074,000 | 1,237 |
| Average earning assets | $698,213,000 | 1,249 |
| Average equity | $56,581,667 | 1,512 |
| Average total loans | $238,976,000 | 2,001 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3297% | 49 |
| Cost of funding earning assets | 0.1897% | 2,952 |
| Net interest margin | 6.1400% | 46 |
| Noninterest income to average assets | 3.8712% | 127 |
| Noninterest expense to average assets | 1.1722% | 4,675 |
| Loan and lease loss provision to assets | 0.3244% | 184 |
| Net operating income to assets | 6.0856% | 32 |
| Return on assets (ROA) | 7.1099% | 27 |
| Pretax return on assets | 9.3169% | 26 |
| Return on Equity (ROE) | 87.1090% | 7 |
| Retained earnings to average equity (ytd only) | 14.4702% | 334 |
| Net charge-offs to loans | 0.9033% | 76 |
| Credit loss provision to net charge-offs | 117.1698% | 944 |
| Earnings coverage of net charge-offs (x) | 30.1415% | 1,129 |
| Efficiency ratio | 12.3168% | 4,791 |
| Assets per employee ($millions) | 29.3987% | 50 |
| Cash dividends to net income (ytd only)* | 83.3884% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,076 |
| Loan loss allowance to noncurrent loans | 190.1441% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 2,287 |
| Noncurrent loans to loans | 0.7146% | 1,327 |
| Net loans and leases to total assets | 31.3346% | 4,405 |
| Net loans and leases to deposits | 37.2984% | 4,344 |
| Net loans and leases to core deposits | 37.2984% | 4,393 |
| Total domestic deposits to total assets | 84.0108% | 3,766 |
| Equity capital to assets | 7.3277% | 4,034 |
| Core capital (leverage) ratio | 10.2395% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $765,751,500 | 1,237 |
| Average earning assets | $704,108,500 | 1,254 |
| Average equity | $62,501,000 | 1,438 |
| Average total loans | $234,698,500 | 2,020 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9470% | 85 |
| Cost of funding earning assets | 0.1984% | 3,481 |
| Net interest margin | 5.7486% | 67 |
| Noninterest income to average assets | 3.9189% | 138 |
| Noninterest expense to average assets | 0.7845% | 4,788 |
| Loan and lease loss provision to assets | -0.0654% | 4,422 |
| Net operating income to assets | 6.4495% | 30 |
| Return on assets (ROA) | 6.4489% | 31 |
| Pretax return on assets | 8.4565% | 32 |
| Return on Equity (ROE) | 72.0104% | 4 |
| Retained earnings to average equity (ytd only) | 0.9777% | 4,268 |
| Net charge-offs to loans | 1.0187% | 62 |
| Credit loss provision to net charge-offs | -22.4444% | 3,195 |
| Earnings coverage of net charge-offs (x) | 28.7533% | 1,635 |
| Efficiency ratio | 8.5493% | 4,835 |
| Assets per employee ($millions) | 33.3538% | 47 |
| Cash dividends to net income (ytd only)* | 98.6423% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 1,858 |
| Loan loss allowance to noncurrent loans | 161.9072% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 2,268 |
| Noncurrent loans to loans | 0.8747% | 1,163 |
| Net loans and leases to total assets | 29.1184% | 4,537 |
| Net loans and leases to deposits | 33.9508% | 4,530 |
| Net loans and leases to core deposits | 33.9508% | 4,559 |
| Total domestic deposits to total assets | 85.7663% | 2,985 |
| Equity capital to assets | 8.9934% | 3,624 |
| Core capital (leverage) ratio | 9.5580% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,921,800 | 1,195 |
| Average earning assets | $705,057,200 | 1,213 |
| Average equity | $69,040,000 | 1,366 |
| Average total loans | $220,870,400 | 2,096 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 111 |
| Cost of funding earning assets | 0.1928% | 3,695 |
| Net interest margin | 5.5659% | 85 |
| Noninterest income to average assets | 3.9655% | 141 |
| Noninterest expense to average assets | 0.6737% | 4,886 |
| Loan and lease loss provision to assets | -0.1996% | 4,751 |
| Net operating income to assets | 6.5581% | 36 |
| Return on assets (ROA) | 6.5578% | 35 |
| Pretax return on assets | 8.5783% | 33 |
| Return on Equity (ROE) | 73.3033% | 4 |
| Retained earnings to average equity (ytd only) | -0.5464% | 4,618 |
| Net charge-offs to loans | 1.0086% | 64 |
| Credit loss provision to net charge-offs | -69.6988% | 3,186 |
| Earnings coverage of net charge-offs (x) | 29.2211% | 1,540 |
| Efficiency ratio | 7.4418% | 4,911 |
| Assets per employee ($millions) | 39.8093% | 41 |
| Cash dividends to net income (ytd only)* | 100.7454% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,963 |
| Loan loss allowance to noncurrent loans | 160.8384% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 2,554 |
| Noncurrent loans to loans | 0.8800% | 1,304 |
| Net loans and leases to total assets | 27.5230% | 4,668 |
| Net loans and leases to deposits | 32.8354% | 4,658 |
| Net loans and leases to core deposits | 32.8354% | 4,677 |
| Total domestic deposits to total assets | 83.8212% | 3,504 |
| Equity capital to assets | 8.5637% | 4,169 |
| Core capital (leverage) ratio | 9.5227% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $771,867,750 | 1,205 |
| Average earning assets | $705,463,500 | 1,225 |
| Average equity | $69,052,000 | 1,381 |
| Average total loans | $219,441,250 | 2,137 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6282% | 31 |
| Cost of funding earning assets | 0.1907% | 3,844 |
| Net interest margin | 7.4375% | 26 |
| Noninterest income to average assets | 2.5306% | 237 |
| Noninterest expense to average assets | 0.5384% | 4,929 |
| Loan and lease loss provision to assets | 0.2679% | 351 |
| Net operating income to assets | 6.4756% | 37 |
| Return on assets (ROA) | 6.4756% | 37 |
| Pretax return on assets | 8.4856% | 36 |
| Return on Equity (ROE) | 71.3251% | 6 |
| Retained earnings to average equity (ytd only) | -1.0989% | 4,610 |
| Net charge-offs to loans | 1.1268% | 69 |
| Credit loss provision to net charge-offs | 83.0219% | 1,476 |
| Earnings coverage of net charge-offs (x) | 27.1552% | 1,369 |
| Efficiency ratio | 5.7942% | 4,949 |
| Assets per employee ($millions) | 32.4651% | 48 |
| Cash dividends to net income (ytd only)* | 101.5407% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6770% | 220 |
| Loan loss allowance to noncurrent loans | 288.1823% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 2,646 |
| Noncurrent loans to loans | 0.9289% | 1,330 |
| Net loans and leases to total assets | 26.8528% | 4,732 |
| Net loans and leases to deposits | 31.8130% | 4,730 |
| Net loans and leases to core deposits | 31.8130% | 4,749 |
| Total domestic deposits to total assets | 84.4083% | 3,308 |
| Equity capital to assets | 8.9212% | 3,868 |
| Core capital (leverage) ratio | 9.9693% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $763,762,000 | 1,210 |
| Average earning assets | $694,314,667 | 1,230 |
| Average equity | $69,341,667 | 1,367 |
| Average total loans | $218,495,000 | 2,153 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2858% | 25 |
| Cost of funding earning assets | 0.1852% | 4,043 |
| Net interest margin | 8.1006% | 21 |
| Noninterest income to average assets | 2.5733% | 258 |
| Noninterest expense to average assets | 0.8745% | 4,929 |
| Loan and lease loss provision to assets | 0.3635% | 227 |
| Net operating income to assets | 6.6888% | 41 |
| Return on assets (ROA) | 6.6883% | 41 |
| Pretax return on assets | 8.7649% | 37 |
| Return on Equity (ROE) | 73.0150% | 9 |
| Retained earnings to average equity (ytd only) | -2.7030% | 4,587 |
| Net charge-offs to loans | 1.2767% | 56 |
| Credit loss provision to net charge-offs | 97.7240% | 1,149 |
| Earnings coverage of net charge-offs (x) | 24.5448% | 1,175 |
| Efficiency ratio | 8.7423% | 4,971 |
| Assets per employee ($millions) | 41.2583% | 35 |
| Cash dividends to net income (ytd only)* | 103.7019% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6925% | 201 |
| Loan loss allowance to noncurrent loans | 260.0350% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 2,596 |
| Noncurrent loans to loans | 1.0354% | 1,294 |
| Net loans and leases to total assets | 28.9403% | 4,724 |
| Net loans and leases to deposits | 34.5125% | 4,717 |
| Net loans and leases to core deposits | 34.5125% | 4,748 |
| Total domestic deposits to total assets | 83.8547% | 3,480 |
| Equity capital to assets | 8.7616% | 3,900 |
| Core capital (leverage) ratio | 9.6530% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $756,061,500 | 1,204 |
| Average earning assets | $693,479,500 | 1,225 |
| Average equity | $69,257,000 | 1,362 |
| Average total loans | $220,251,500 | 2,151 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2331% | 20 |
| Cost of funding earning assets | 0.2254% | 4,484 |
| Net interest margin | 9.0077% | 16 |
| Noninterest income to average assets | 2.4858% | 246 |
| Noninterest expense to average assets | 0.6521% | 4,970 |
| Loan and lease loss provision to assets | 0.9653% | 103 |
| Net operating income to assets | 7.1547% | 31 |
| Return on assets (ROA) | 8.2070% | 26 |
| Pretax return on assets | 10.3722% | 23 |
| Return on Equity (ROE) | 81.8722% | 7 |
| Retained earnings to average equity (ytd only) | -8.6583% | 4,895 |
| Net charge-offs to loans | 2.5240% | 37 |
| Credit loss provision to net charge-offs | 131.0265% | 2,547 |
| Earnings coverage of net charge-offs (x) | 13.5793% | 2,272 |
| Efficiency ratio | 6.1190% | 4,996 |
| Assets per employee ($millions) | 36.6931% | 35 |
| Cash dividends to net income (ytd only)* | 110.5753% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7150% | 204 |
| Loan loss allowance to noncurrent loans | 218.8257% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,568 |
| Noncurrent loans to loans | 1.2407% | 1,112 |
| Net loans and leases to total assets | 27.7291% | 4,797 |
| Net loans and leases to deposits | 32.8353% | 4,805 |
| Net loans and leases to core deposits | 32.8353% | 4,822 |
| Total domestic deposits to total assets | 84.4490% | 2,967 |
| Equity capital to assets | 9.5316% | 3,577 |
| Core capital (leverage) ratio | 9.6444% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $762,865,000 | 1,095 |
| Average earning assets | $692,086,400 | 1,111 |
| Average equity | $76,470,400 | 1,202 |
| Average total loans | $222,702,600 | 2,091 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3669% | 20 |
| Cost of funding earning assets | 0.2080% | 4,641 |
| Net interest margin | 9.1589% | 16 |
| Noninterest income to average assets | 2.5200% | 233 |
| Noninterest expense to average assets | 0.6960% | 5,005 |
| Loan and lease loss provision to assets | 1.0637% | 117 |
| Net operating income to assets | 7.1900% | 28 |
| Return on assets (ROA) | 8.5877% | 25 |
| Pretax return on assets | 10.8386% | 25 |
| Return on Equity (ROE) | 84.6182% | 7 |
| Retained earnings to average equity (ytd only) | -3.8276% | 4,808 |
| Net charge-offs to loans | 2.5912% | 37 |
| Credit loss provision to net charge-offs | 139.8112% | 2,386 |
| Earnings coverage of net charge-offs (x) | 13.3159% | 2,205 |
| Efficiency ratio | 6.4269% | 5,029 |
| Assets per employee ($millions) | 38.8753% | 32 |
| Cash dividends to net income (ytd only)* | 104.5234% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7657% | 173 |
| Loan loss allowance to noncurrent loans | 182.7650% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 2,495 |
| Noncurrent loans to loans | 1.5132% | 942 |
| Net loans and leases to total assets | 26.9002% | 4,874 |
| Net loans and leases to deposits | 32.7071% | 4,871 |
| Net loans and leases to core deposits | 32.7071% | 4,885 |
| Total domestic deposits to total assets | 82.2458% | 3,358 |
| Equity capital to assets | 9.3558% | 3,813 |
| Core capital (leverage) ratio | 9.4400% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $760,942,250 | 1,082 |
| Average earning assets | $690,327,250 | 1,100 |
| Average equity | $77,226,500 | 1,182 |
| Average total loans | $223,470,500 | 2,081 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8430% | 17 |
| Cost of funding earning assets | 0.2036% | 4,757 |
| Net interest margin | 9.6393% | 15 |
| Noninterest income to average assets | 2.5228% | 224 |
| Noninterest expense to average assets | 0.7013% | 5,037 |
| Loan and lease loss provision to assets | 1.1186% | 167 |
| Net operating income to assets | 7.6409% | 22 |
| Return on assets (ROA) | 8.4064% | 21 |
| Pretax return on assets | 10.4080% | 22 |
| Return on Equity (ROE) | 80.6694% | 7 |
| Retained earnings to average equity (ytd only) | -1.9741% | 4,585 |
| Net charge-offs to loans | 2.2664% | 54 |
| Credit loss provision to net charge-offs | 164.8206% | 2,059 |
| Earnings coverage of net charge-offs (x) | 15.5878% | 1,901 |
| Efficiency ratio | 6.2160% | 5,061 |
| Assets per employee ($millions) | 38.9269% | 33 |
| Cash dividends to net income (ytd only)* | 102.4471% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8535% | 158 |
| Loan loss allowance to noncurrent loans | 146.4028% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,288 |
| Noncurrent loans to loans | 1.9491% | 704 |
| Net loans and leases to total assets | 25.7173% | 4,913 |
| Net loans and leases to deposits | 31.2760% | 4,919 |
| Net loans and leases to core deposits | 31.2760% | 4,925 |
| Total domestic deposits to total assets | 82.2270% | 3,308 |
| Equity capital to assets | 10.3317% | 2,902 |
| Core capital (leverage) ratio | 9.5353% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $755,421,000 | 1,080 |
| Average earning assets | $686,500,667 | 1,093 |
| Average equity | $78,721,333 | 1,156 |
| Average total loans | $226,260,667 | 2,040 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8429% | 18 |
| Cost of funding earning assets | 0.2006% | 4,889 |
| Net interest margin | 10.6423% | 16 |
| Noninterest income to average assets | 2.5290% | 194 |
| Noninterest expense to average assets | 0.6453% | 5,088 |
| Loan and lease loss provision to assets | 0.6367% | 426 |
| Net operating income to assets | 9.2359% | 16 |
| Return on assets (ROA) | 9.3899% | 17 |
| Pretax return on assets | 11.1015% | 18 |
| Return on Equity (ROE) | 89.7051% | 4 |
| Retained earnings to average equity (ytd only) | -3.5601% | 4,404 |
| Net charge-offs to loans | 1.7839% | 82 |
| Credit loss provision to net charge-offs | 112.3340% | 1,741 |
| Earnings coverage of net charge-offs (x) | 20.3909% | 1,415 |
| Efficiency ratio | 5.2882% | 5,107 |
| Assets per employee ($millions) | 30.8371% | 37 |
| Cash dividends to net income (ytd only)* | 103.9686% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 667 |
| Loan loss allowance to noncurrent loans | 149.0236% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 2,868 |
| Noncurrent loans to loans | 1.2381% | 1,315 |
| Net loans and leases to total assets | 31.2685% | 4,883 |
| Net loans and leases to deposits | 37.3565% | 4,885 |
| Net loans and leases to core deposits | 37.3565% | 4,908 |
| Total domestic deposits to total assets | 83.7028% | 2,883 |
| Equity capital to assets | 10.5617% | 3,266 |
| Core capital (leverage) ratio | 10.1413% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $743,863,000 | 1,053 |
| Average earning assets | $676,132,000 | 1,073 |
| Average equity | $77,864,000 | 1,164 |
| Average total loans | $236,341,000 | 1,954 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6314% | 21 |
| Cost of funding earning assets | 0.1773% | 5,003 |
| Net interest margin | 10.4541% | 18 |
| Noninterest income to average assets | 2.5625% | 196 |
| Noninterest expense to average assets | 0.4952% | 5,158 |
| Loan and lease loss provision to assets | 0.6390% | 181 |
| Net operating income to assets | 8.6245% | 22 |
| Return on assets (ROA) | 8.6231% | 24 |
| Pretax return on assets | 10.9889% | 24 |
| Return on Equity (ROE) | 85.8661% | 4 |
| Retained earnings to average equity (ytd only) | 4.2838% | 2,816 |
| Net charge-offs to loans | 1.8549% | 65 |
| Credit loss provision to net charge-offs | 108.8649% | 2,289 |
| Earnings coverage of net charge-offs (x) | 19.8121% | 1,974 |
| Efficiency ratio | 4.0840% | 5,174 |
| Assets per employee ($millions) | 35.6017% | 30 |
| Cash dividends to net income (ytd only)* | 95.0111% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 629 |
| Loan loss allowance to noncurrent loans | 149.3955% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 2,857 |
| Noncurrent loans to loans | 1.2219% | 1,226 |
| Net loans and leases to total assets | 31.1104% | 4,953 |
| Net loans and leases to deposits | 37.2491% | 4,953 |
| Net loans and leases to core deposits | 37.2491% | 4,981 |
| Total domestic deposits to total assets | 83.5198% | 3,012 |
| Equity capital to assets | 10.3743% | 3,566 |
| Core capital (leverage) ratio | 10.0999% | 3,411 |
| Tier 1 risk-based capital ratio | 18.1373% | 1,732 |
| Total risk-based capital ratio | 19.1853% | 1,727 |
| Memoranda: | ||
| Average total assets | $726,406,600 | 1,040 |
| Average earning assets | $664,448,600 | 1,041 |
| Average equity | $72,949,600 | 1,181 |
| Average total loans | $229,879,400 | 1,956 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0752% | 21 |
| Cost of funding earning assets | 0.1645% | 5,097 |
| Net interest margin | 10.9107% | 19 |
| Noninterest income to average assets | 2.5098% | 200 |
| Noninterest expense to average assets | 0.4397% | 5,242 |
| Loan and lease loss provision to assets | 0.6388% | 174 |
| Net operating income to assets | 8.7452% | 22 |
| Return on assets (ROA) | 8.7510% | 23 |
| Pretax return on assets | 11.4552% | 23 |
| Return on Equity (ROE) | 87.8925% | 4 |
| Retained earnings to average equity (ytd only) | -0.3714% | 4,798 |
| Net charge-offs to loans | 1.8890% | 62 |
| Credit loss provision to net charge-offs | 106.8998% | 2,136 |
| Earnings coverage of net charge-offs (x) | 20.2255% | 1,971 |
| Efficiency ratio | 3.5101% | 5,253 |
| Assets per employee ($millions) | 41.3108% | 25 |
| Cash dividends to net income (ytd only)* | 100.4226% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 592 |
| Loan loss allowance to noncurrent loans | 140.9736% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 2,919 |
| Noncurrent loans to loans | 1.3194% | 1,170 |
| Net loans and leases to total assets | 29.5886% | 5,057 |
| Net loans and leases to deposits | 35.6064% | 5,069 |
| Net loans and leases to core deposits | 35.6064% | 5,087 |
| Total domestic deposits to total assets | 83.0991% | 3,131 |
| Equity capital to assets | 10.0669% | 3,950 |
| Core capital (leverage) ratio | 9.5942% | 4,068 |
| Tier 1 risk-based capital ratio | 17.9880% | 1,824 |
| Total risk-based capital ratio | 19.0366% | 1,828 |
| Memoranda: | ||
| Average total assets | $721,099,500 | 1,049 |
| Average earning assets | $662,003,000 | 1,048 |
| Average equity | $71,796,500 | 1,194 |
| Average total loans | $228,120,000 | 1,982 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3198% | 20 |
| Cost of funding earning assets | 0.1424% | 5,175 |
| Net interest margin | 11.1773% | 16 |
| Noninterest income to average assets | 2.6511% | 185 |
| Noninterest expense to average assets | 0.4610% | 5,289 |
| Loan and lease loss provision to assets | 0.6303% | 171 |
| Net operating income to assets | 9.0371% | 20 |
| Return on assets (ROA) | 9.0429% | 21 |
| Pretax return on assets | 11.8371% | 21 |
| Return on Equity (ROE) | 91.1745% | 4 |
| Retained earnings to average equity (ytd only) | -1.8566% | 4,898 |
| Net charge-offs to loans | 1.8341% | 62 |
| Credit loss provision to net charge-offs | 106.8916% | 1,874 |
| Earnings coverage of net charge-offs (x) | 21.1302% | 1,739 |
| Efficiency ratio | 3.5681% | 5,299 |
| Assets per employee ($millions) | 38.1539% | 26 |
| Cash dividends to net income (ytd only)* | 102.0363% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 676 |
| Loan loss allowance to noncurrent loans | 130.6513% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,788 |
| Noncurrent loans to loans | 1.3797% | 1,127 |
| Net loans and leases to total assets | 30.7499% | 5,090 |
| Net loans and leases to deposits | 37.5195% | 5,085 |
| Net loans and leases to core deposits | 37.5195% | 5,112 |
| Total domestic deposits to total assets | 81.9572% | 3,526 |
| Equity capital to assets | 10.0724% | 3,917 |
| Core capital (leverage) ratio | 9.8157% | 3,807 |
| Tier 1 risk-based capital ratio | 18.4979% | 1,670 |
| Total risk-based capital ratio | 19.5630% | 1,682 |
| Memoranda: | ||
| Average total assets | $713,601,330 | 1,057 |
| Average earning assets | $655,685,670 | 1,056 |
| Average equity | $70,776,330 | 1,202 |
| Average total loans | $229,430,330 | 1,982 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7412% | 16 |
| Cost of funding earning assets | 0.0819% | 5,305 |
| Net interest margin | 11.6593% | 11 |
| Noninterest income to average assets | 2.8799% | 155 |
| Noninterest expense to average assets | 0.4351% | 5,349 |
| Loan and lease loss provision to assets | 0.5452% | 192 |
| Net operating income to assets | 9.6870% | 19 |
| Return on assets (ROA) | 9.6924% | 21 |
| Pretax return on assets | 12.6875% | 20 |
| Return on Equity (ROE) | 98.5069% | 4 |
| Retained earnings to average equity (ytd only) | 3.5202% | 3,505 |
| Net charge-offs to loans | 1.7863% | 67 |
| Credit loss provision to net charge-offs | 93.6893% | 1,685 |
| Earnings coverage of net charge-offs (x) | 22.7262% | 1,487 |
| Efficiency ratio | 3.1847% | 5,359 |
| Assets per employee ($millions) | 39.0979% | 25 |
| Cash dividends to net income (ytd only)* | 96.4265% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 802 |
| Loan loss allowance to noncurrent loans | 116.9277% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,730 |
| Noncurrent loans to loans | 1.4841% | 1,085 |
| Net loans and leases to total assets | 31.2354% | 5,130 |
| Net loans and leases to deposits | 38.0784% | 5,111 |
| Net loans and leases to core deposits | 38.0784% | 5,139 |
| Total domestic deposits to total assets | 82.0293% | 3,717 |
| Equity capital to assets | 10.1342% | 3,690 |
| Core capital (leverage) ratio | 10.1043% | 3,489 |
| Tier 1 risk-based capital ratio | 19.7605% | 1,384 |
| Total risk-based capital ratio | 20.8213% | 1,401 |
| Memoranda: | ||
| Average total assets | $707,939,500 | 1,069 |
| Average earning assets | $654,619,000 | 1,067 |
| Average equity | $69,656,000 | 1,209 |
| Average total loans | $230,642,500 | 1,988 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7377% | 13 |
| Cost of funding earning assets | 0.1162% | 5,254 |
| Net interest margin | 11.6214% | 13 |
| Noninterest income to average assets | 2.5270% | 194 |
| Noninterest expense to average assets | 0.4810% | 5,393 |
| Loan and lease loss provision to assets | 0.7519% | 134 |
| Net operating income to assets | 9.2477% | 22 |
| Return on assets (ROA) | 9.1817% | 22 |
| Pretax return on assets | 11.9740% | 22 |
| Return on Equity (ROE) | 95.8557% | 3 |
| Retained earnings to average equity (ytd only) | 0.6397% | 4,821 |
| Net charge-offs to loans | 1.9864% | 52 |
| Credit loss provision to net charge-offs | 108.2615% | 2,369 |
| Earnings coverage of net charge-offs (x) | 18.4434% | 2,133 |
| Efficiency ratio | 3.6194% | 5,401 |
| Assets per employee ($millions) | 41.8892% | 24 |
| Cash dividends to net income (ytd only)* | 99.3326% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 900 |
| Loan loss allowance to noncurrent loans | 120.9623% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,734 |
| Noncurrent loans to loans | 1.3734% | 1,138 |
| Net loans and leases to total assets | 32.8082% | 5,152 |
| Net loans and leases to deposits | 38.4684% | 5,146 |
| Net loans and leases to core deposits | 38.4684% | 5,182 |
| Total domestic deposits to total assets | 85.2861% | 2,518 |
| Equity capital to assets | 9.5477% | 4,090 |
| Core capital (leverage) ratio | 10.1230% | 3,432 |
| Tier 1 risk-based capital ratio | 19.4900% | 1,406 |
| Total risk-based capital ratio | 20.5585% | 1,413 |
| Memoranda: | ||
| Average total assets | $718,038,800 | 1,040 |
| Average earning assets | $665,029,400 | 1,031 |
| Average equity | $68,778,400 | 1,177 |
| Average total loans | $251,061,600 | 1,818 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6512% | 13 |
| Cost of funding earning assets | 0.1147% | 5,317 |
| Net interest margin | 11.5365% | 12 |
| Noninterest income to average assets | 2.5489% | 202 |
| Noninterest expense to average assets | 0.4846% | 5,460 |
| Loan and lease loss provision to assets | 0.7605% | 123 |
| Net operating income to assets | 9.1760% | 19 |
| Return on assets (ROA) | 9.1577% | 19 |
| Pretax return on assets | 11.9807% | 19 |
| Return on Equity (ROE) | 95.5295% | 3 |
| Retained earnings to average equity (ytd only) | 0.0522% | 5,027 |
| Net charge-offs to loans | 2.0165% | 46 |
| Credit loss provision to net charge-offs | 106.6528% | 2,167 |
| Earnings coverage of net charge-offs (x) | 17.9010% | 2,086 |
| Efficiency ratio | 3.6574% | 5,474 |
| Assets per employee ($millions) | 41.6335% | 27 |
| Cash dividends to net income (ytd only)* | 99.9454% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,107 |
| Loan loss allowance to noncurrent loans | 102.7650% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 2,656 |
| Noncurrent loans to loans | 1.5444% | 1,040 |
| Net loans and leases to total assets | 33.2135% | 5,217 |
| Net loans and leases to deposits | 39.7215% | 5,215 |
| Net loans and leases to core deposits | 39.7215% | 5,243 |
| Total domestic deposits to total assets | 83.6160% | 3,078 |
| Equity capital to assets | 9.3672% | 4,211 |
| Core capital (leverage) ratio | 9.8726% | 3,771 |
| Tier 1 risk-based capital ratio | 19.1320% | 1,505 |
| Total risk-based capital ratio | 20.1454% | 1,531 |
| Memoranda: | ||
| Average total assets | $719,519,250 | 1,033 |
| Average earning assets | $667,347,250 | 1,031 |
| Average equity | $68,975,250 | 1,169 |
| Average total loans | $254,432,000 | 1,813 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6408% | 14 |
| Cost of funding earning assets | 0.1118% | 5,374 |
| Net interest margin | 11.5290% | 13 |
| Noninterest income to average assets | 2.5677% | 202 |
| Noninterest expense to average assets | 0.4835% | 5,526 |
| Loan and lease loss provision to assets | 0.8205% | 107 |
| Net operating income to assets | 9.1486% | 19 |
| Return on assets (ROA) | 9.1206% | 19 |
| Pretax return on assets | 11.9472% | 19 |
| Return on Equity (ROE) | 94.4385% | 3 |
| Retained earnings to average equity (ytd only) | 0.0515% | 4,947 |
| Net charge-offs to loans | 2.0330% | 49 |
| Credit loss provision to net charge-offs | 112.4668% | 1,866 |
| Earnings coverage of net charge-offs (x) | 17.5487% | 1,947 |
| Efficiency ratio | 3.6392% | 5,538 |
| Assets per employee ($millions) | 41.7805% | 25 |
| Cash dividends to net income (ytd only)* | 99.9454% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,275 |
| Loan loss allowance to noncurrent loans | 102.2493% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,637 |
| Noncurrent loans to loans | 1.5046% | 1,113 |
| Net loans and leases to total assets | 34.8183% | 5,213 |
| Net loans and leases to deposits | 42.2121% | 5,187 |
| Net loans and leases to core deposits | 42.2121% | 5,237 |
| Total domestic deposits to total assets | 82.4841% | 3,564 |
| Equity capital to assets | 9.5136% | 4,084 |
| Core capital (leverage) ratio | 9.8077% | 3,779 |
| Tier 1 risk-based capital ratio | 18.6372% | 1,640 |
| Total risk-based capital ratio | 19.6434% | 1,664 |
| Memoranda: | ||
| Average total assets | $723,436,000 | 1,033 |
| Average earning assets | $672,598,670 | 1,032 |
| Average equity | $69,867,670 | 1,163 |
| Average total loans | $259,620,670 | 1,794 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9515% | 14 |
| Cost of funding earning assets | 0.1111% | 5,427 |
| Net interest margin | 11.8404% | 11 |
| Noninterest income to average assets | 2.6323% | 186 |
| Noninterest expense to average assets | 0.4772% | 5,592 |
| Loan and lease loss provision to assets | 0.8959% | 98 |
| Net operating income to assets | 9.3801% | 17 |
| Return on assets (ROA) | 9.3597% | 18 |
| Pretax return on assets | 12.2145% | 17 |
| Return on Equity (ROE) | 96.2156% | 2 |
| Retained earnings to average equity (ytd only) | 0.3492% | 4,752 |
| Net charge-offs to loans | 2.3271% | 48 |
| Credit loss provision to net charge-offs | 106.5147% | 1,485 |
| Earnings coverage of net charge-offs (x) | 15.6182% | 1,657 |
| Efficiency ratio | 3.5057% | 5,604 |
| Assets per employee ($millions) | 44.5915% | 25 |
| Cash dividends to net income (ytd only)* | 99.6370% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,730 |
| Loan loss allowance to noncurrent loans | 84.8902% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 2,516 |
| Noncurrent loans to loans | 1.6851% | 1,012 |
| Net loans and leases to total assets | 35.1063% | 5,240 |
| Net loans and leases to deposits | 42.7496% | 5,195 |
| Net loans and leases to core deposits | 42.7496% | 5,247 |
| Total domestic deposits to total assets | 82.1208% | 3,923 |
| Equity capital to assets | 9.6735% | 3,915 |
| Core capital (leverage) ratio | 9.9204% | 3,613 |
| Tier 1 risk-based capital ratio | 18.9287% | 1,564 |
| Total risk-based capital ratio | 19.8895% | 1,614 |
| Memoranda: | ||
| Average total assets | $730,020,000 | 1,031 |
| Average earning assets | $677,037,000 | 1,029 |
| Average equity | $71,015,500 | 1,152 |
| Average total loans | $263,847,500 | 1,776 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9697% | 11 |
| Cost of funding earning assets | 0.1097% | 5,462 |
| Net interest margin | 12.8600% | 10 |
| Noninterest income to average assets | 2.7225% | 198 |
| Noninterest expense to average assets | 0.4198% | 5,655 |
| Loan and lease loss provision to assets | 0.4490% | 306 |
| Net operating income to assets | 8.8303% | 16 |
| Return on assets (ROA) | 8.7894% | 16 |
| Pretax return on assets | 13.9560% | 16 |
| Return on Equity (ROE) | 86.5358% | 3 |
| Retained earnings to average equity (ytd only) | -2.0783% | 5,288 |
| Net charge-offs to loans | 1.4790% | 106 |
| Credit loss provision to net charge-offs | 76.5644% | 2,995 |
| Earnings coverage of net charge-offs (x) | 24.6738% | 1,747 |
| Efficiency ratio | 2.8197% | 5,663 |
| Assets per employee ($millions) | 43.9162% | 24 |
| Cash dividends to net income (ytd only)* | 102.4017% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,256 |
| Loan loss allowance to noncurrent loans | 83.8274% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,661 |
| Noncurrent loans to loans | 1.5414% | 1,097 |
| Net loans and leases to total assets | 36.1723% | 5,281 |
| Net loans and leases to deposits | 45.8126% | 5,199 |
| Net loans and leases to core deposits | 45.8126% | 5,240 |
| Total domestic deposits to total assets | 78.9573% | 4,556 |
| Equity capital to assets | 9.7798% | 3,939 |
| Core capital (leverage) ratio | 9.7517% | 3,743 |
| Tier 1 risk-based capital ratio | 18.0639% | 1,785 |
| Total risk-based capital ratio | 18.9559% | 1,833 |
| Memoranda: | ||
| Average total assets | $716,740,200 | 1,018 |
| Average earning assets | $678,072,000 | 997 |
| Average equity | $72,798,800 | 1,090 |
| Average total loans | $284,185,600 | 1,637 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1177% | 11 |
| Cost of funding earning assets | 0.1111% | 5,515 |
| Net interest margin | 13.0066% | 9 |
| Noninterest income to average assets | 2.7780% | 201 |
| Noninterest expense to average assets | 0.4342% | 5,726 |
| Loan and lease loss provision to assets | 0.2726% | 599 |
| Net operating income to assets | 9.0140% | 20 |
| Return on assets (ROA) | 8.9546% | 20 |
| Pretax return on assets | 14.2981% | 19 |
| Return on Equity (ROE) | 87.3092% | 6 |
| Retained earnings to average equity (ytd only) | -4.8185% | 5,537 |
| Net charge-offs to loans | 1.2485% | 134 |
| Credit loss provision to net charge-offs | 53.9836% | 2,867 |
| Earnings coverage of net charge-offs (x) | 29.0417% | 1,592 |
| Efficiency ratio | 2.8761% | 5,734 |
| Assets per employee ($millions) | 41.5496% | 26 |
| Cash dividends to net income (ytd only)* | 105.5189% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,892 |
| Loan loss allowance to noncurrent loans | 82.4711% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,839 |
| Noncurrent loans to loans | 1.4644% | 1,274 |
| Net loans and leases to total assets | 38.0319% | 5,264 |
| Net loans and leases to deposits | 46.6502% | 5,233 |
| Net loans and leases to core deposits | 46.6502% | 5,294 |
| Total domestic deposits to total assets | 81.5258% | 3,912 |
| Equity capital to assets | 10.2835% | 3,604 |
| Core capital (leverage) ratio | 9.5631% | 4,079 |
| Tier 1 risk-based capital ratio | 17.9373% | 1,869 |
| Total risk-based capital ratio | 18.7732% | 1,948 |
| Memoranda: | ||
| Average total assets | $709,281,250 | 1,036 |
| Average earning assets | $671,826,500 | 1,017 |
| Average equity | $72,745,000 | 1,103 |
| Average total loans | $286,834,750 | 1,635 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2922% | 12 |
| Cost of funding earning assets | 0.1091% | 5,560 |
| Net interest margin | 13.1831% | 10 |
| Noninterest income to average assets | 2.8415% | 195 |
| Noninterest expense to average assets | 0.4066% | 5,777 |
| Loan and lease loss provision to assets | 0.3337% | 441 |
| Net operating income to assets | 9.1060% | 20 |
| Return on assets (ROA) | 9.0519% | 20 |
| Pretax return on assets | 14.4645% | 19 |
| Return on Equity (ROE) | 88.3362% | 5 |
| Retained earnings to average equity (ytd only) | -5.5976% | 5,557 |
| Net charge-offs to loans | 1.2789% | 150 |
| Credit loss provision to net charge-offs | 63.5048% | 2,437 |
| Earnings coverage of net charge-offs (x) | 28.3242% | 1,506 |
| Efficiency ratio | 2.6594% | 5,784 |
| Assets per employee ($millions) | 44.6464% | 25 |
| Cash dividends to net income (ytd only)* | 106.3367% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,142 |
| Loan loss allowance to noncurrent loans | 104.1508% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 3,044 |
| Noncurrent loans to loans | 1.3019% | 1,477 |
| Net loans and leases to total assets | 39.0964% | 5,251 |
| Net loans and leases to deposits | 48.0968% | 5,214 |
| Net loans and leases to core deposits | 48.0968% | 5,281 |
| Total domestic deposits to total assets | 81.2868% | 4,105 |
| Equity capital to assets | 10.2067% | 3,662 |
| Core capital (leverage) ratio | 9.8861% | 3,670 |
| Tier 1 risk-based capital ratio | 17.2442% | 2,078 |
| Total risk-based capital ratio | 18.1757% | 2,132 |
| Memoranda: | ||
| Average total assets | $710,260,670 | 1,035 |
| Average earning assets | $670,647,670 | 1,015 |
| Average equity | $72,781,000 | 1,101 |
| Average total loans | $291,806,330 | 1,611 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6094% | 12 |
| Cost of funding earning assets | 0.1085% | 5,620 |
| Net interest margin | 13.5010% | 9 |
| Noninterest income to average assets | 2.9025% | 201 |
| Noninterest expense to average assets | 0.3406% | 5,845 |
| Loan and lease loss provision to assets | 0.1525% | 1,213 |
| Net operating income to assets | 9.5443% | 19 |
| Return on assets (ROA) | 9.4547% | 19 |
| Pretax return on assets | 14.9953% | 17 |
| Return on Equity (ROE) | 92.0843% | 8 |
| Retained earnings to average equity (ytd only) | -5.5559% | 5,422 |
| Net charge-offs to loans | 1.2467% | 138 |
| Credit loss provision to net charge-offs | 29.2524% | 2,116 |
| Earnings coverage of net charge-offs (x) | 29.3261% | 1,233 |
| Efficiency ratio | 2.1792% | 5,851 |
| Assets per employee ($millions) | 46.6827% | 23 |
| Cash dividends to net income (ytd only)* | 106.0335% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 2,153 |
| Loan loss allowance to noncurrent loans | 90.9668% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,820 |
| Noncurrent loans to loans | 1.5196% | 1,306 |
| Net loans and leases to total assets | 39.3987% | 5,269 |
| Net loans and leases to deposits | 49.1666% | 5,171 |
| Net loans and leases to core deposits | 49.1666% | 5,259 |
| Total domestic deposits to total assets | 80.1331% | 4,592 |
| Equity capital to assets | 10.3787% | 3,323 |
| Core capital (leverage) ratio | 9.8955% | 3,631 |
| Tier 1 risk-based capital ratio | 17.2522% | 2,110 |
| Total risk-based capital ratio | 18.1777% | 2,162 |
| Memoranda: | ||
| Average total assets | $708,220,000 | 1,041 |
| Average earning assets | $667,567,500 | 1,019 |
| Average equity | $72,716,000 | 1,095 |
| Average total loans | $296,149,000 | 1,601 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0802% | 12 |
| Cost of funding earning assets | 0.1081% | 5,665 |
| Net interest margin | 13.9721% | 10 |
| Noninterest income to average assets | 3.0514% | 196 |
| Noninterest expense to average assets | 0.4476% | 5,893 |
| Loan and lease loss provision to assets | 0.4475% | 322 |
| Net operating income to assets | 9.8496% | 16 |
| Return on assets (ROA) | 9.7832% | 17 |
| Pretax return on assets | 15.2715% | 16 |
| Return on Equity (ROE) | 93.9577% | 5 |
| Retained earnings to average equity (ytd only) | 0.8373% | 4,989 |
| Net charge-offs to loans | 1.3917% | 111 |
| Credit loss provision to net charge-offs | 72.4317% | 3,092 |
| Earnings coverage of net charge-offs (x) | 25.6105% | 1,580 |
| Efficiency ratio | 2.7512% | 5,909 |
| Assets per employee ($millions) | 44.7624% | 25 |
| Cash dividends to net income (ytd only)* | 99.1088% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,888 |
| Loan loss allowance to noncurrent loans | 113.4538% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 3,062 |
| Noncurrent loans to loans | 1.2747% | 1,606 |
| Net loans and leases to total assets | 43.0083% | 5,179 |
| Net loans and leases to deposits | 52.7084% | 5,082 |
| Net loans and leases to core deposits | 52.7084% | 5,191 |
| Total domestic deposits to total assets | 81.5966% | 4,180 |
| Equity capital to assets | 10.1586% | 3,537 |
| Core capital (leverage) ratio | 9.9687% | 3,522 |
| Tier 1 risk-based capital ratio | 16.5401% | 2,334 |
| Total risk-based capital ratio | 17.5683% | 2,357 |
| Memoranda: | ||
| Average total assets | $716,873,200 | 999 |
| Average earning assets | $678,229,400 | 981 |
| Average equity | $74,643,200 | 1,067 |
| Average total loans | $318,255,200 | 1,457 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8725% | 11 |
| Cost of funding earning assets | 0.1065% | 5,745 |
| Net interest margin | 13.7660% | 9 |
| Noninterest income to average assets | 3.1259% | 196 |
| Noninterest expense to average assets | 0.4463% | 5,965 |
| Loan and lease loss provision to assets | 0.3972% | 369 |
| Net operating income to assets | 9.6845% | 17 |
| Return on assets (ROA) | 9.6161% | 18 |
| Pretax return on assets | 15.2515% | 17 |
| Return on Equity (ROE) | 91.7947% | 5 |
| Retained earnings to average equity (ytd only) | -3.2536% | 5,663 |
| Net charge-offs to loans | 1.3930% | 103 |
| Credit loss provision to net charge-offs | 63.9521% | 2,868 |
| Earnings coverage of net charge-offs (x) | 25.3692% | 1,637 |
| Efficiency ratio | 2.7544% | 5,977 |
| Assets per employee ($millions) | 48.3035% | 24 |
| Cash dividends to net income (ytd only)* | 103.5444% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,834 |
| Loan loss allowance to noncurrent loans | 129.8512% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 3,507 |
| Noncurrent loans to loans | 1.1406% | 1,971 |
| Net loans and leases to total assets | 41.6508% | 5,312 |
| Net loans and leases to deposits | 52.3055% | 5,191 |
| Net loans and leases to core deposits | 52.3055% | 5,303 |
| Total domestic deposits to total assets | 79.6299% | 4,587 |
| Equity capital to assets | 10.5179% | 3,543 |
| Core capital (leverage) ratio | 9.7418% | 3,885 |
| Tier 1 risk-based capital ratio | 15.8285% | 2,692 |
| Total risk-based capital ratio | 16.8543% | 2,724 |
| Memoranda: | ||
| Average total assets | $717,041,750 | 1,002 |
| Average earning assets | $681,102,250 | 978 |
| Average equity | $75,115,000 | 1,059 |
| Average total loans | $319,682,750 | 1,455 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9551% | 11 |
| Cost of funding earning assets | 0.1062% | 5,828 |
| Net interest margin | 13.8489% | 9 |
| Noninterest income to average assets | 3.1836% | 189 |
| Noninterest expense to average assets | 0.4719% | 6,040 |
| Loan and lease loss provision to assets | 0.4288% | 339 |
| Net operating income to assets | 9.7023% | 15 |
| Return on assets (ROA) | 9.6238% | 16 |
| Pretax return on assets | 15.2638% | 16 |
| Return on Equity (ROE) | 91.9938% | 6 |
| Retained earnings to average equity (ytd only) | -2.9966% | 5,630 |
| Net charge-offs to loans | 1.3192% | 120 |
| Credit loss provision to net charge-offs | 71.6558% | 2,457 |
| Earnings coverage of net charge-offs (x) | 26.4280% | 1,488 |
| Efficiency ratio | 2.8975% | 6,055 |
| Assets per employee ($millions) | 44.7646% | 24 |
| Cash dividends to net income (ytd only)* | 103.2574% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,447 |
| Loan loss allowance to noncurrent loans | 138.0748% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 3,480 |
| Noncurrent loans to loans | 1.1803% | 1,949 |
| Net loans and leases to total assets | 43.2750% | 5,271 |
| Net loans and leases to deposits | 55.0508% | 5,075 |
| Net loans and leases to core deposits | 55.0508% | 5,220 |
| Total domestic deposits to total assets | 78.6091% | 4,872 |
| Equity capital to assets | 10.7935% | 3,292 |
| Core capital (leverage) ratio | 9.8842% | 3,707 |
| Tier 1 risk-based capital ratio | 16.0058% | 2,639 |
| Total risk-based capital ratio | 17.1690% | 2,624 |
| Memoranda: | ||
| Average total assets | $714,538,330 | 1,008 |
| Average earning assets | $676,082,000 | 992 |
| Average equity | $74,750,670 | 1,065 |
| Average total loans | $324,137,330 | 1,438 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7593% | 11 |
| Cost of funding earning assets | 0.1067% | 5,887 |
| Net interest margin | 13.6525% | 9 |
| Noninterest income to average assets | 3.2535% | 183 |
| Noninterest expense to average assets | 0.4781% | 6,104 |
| Loan and lease loss provision to assets | 0.4708% | 270 |
| Net operating income to assets | 9.5906% | 17 |
| Return on assets (ROA) | 9.4848% | 18 |
| Pretax return on assets | 15.0435% | 16 |
| Return on Equity (ROE) | 92.1324% | 7 |
| Retained earnings to average equity (ytd only) | -9.0156% | 5,781 |
| Net charge-offs to loans | 1.5262% | 119 |
| Credit loss provision to net charge-offs | 66.9856% | 1,923 |
| Earnings coverage of net charge-offs (x) | 22.3094% | 1,410 |
| Efficiency ratio | 2.9588% | 6,116 |
| Assets per employee ($millions) | 44.4472% | 25 |
| Cash dividends to net income (ytd only)* | 109.7855% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 1,439 |
| Loan loss allowance to noncurrent loans | 182.7444% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 3,951 |
| Noncurrent loans to loans | 0.9113% | 2,574 |
| Net loans and leases to total assets | 44.2296% | 5,230 |
| Net loans and leases to deposits | 56.6281% | 4,944 |
| Net loans and leases to core deposits | 56.6281% | 5,106 |
| Total domestic deposits to total assets | 78.1053% | 5,130 |
| Equity capital to assets | 10.4623% | 3,545 |
| Core capital (leverage) ratio | 9.8478% | 3,723 |
| Tier 1 risk-based capital ratio | 15.9752% | 2,693 |
| Total risk-based capital ratio | 17.1866% | 2,654 |
| Memoranda: | ||
| Average total assets | $713,690,500 | 1,006 |
| Average earning assets | $674,570,000 | 990 |
| Average equity | $73,472,500 | 1,082 |
| Average total loans | $328,663,500 | 1,409 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5344% | 11 |
| Cost of funding earning assets | 0.1045% | 5,944 |
| Net interest margin | 13.4299% | 9 |
| Noninterest income to average assets | 3.4690% | 178 |
| Noninterest expense to average assets | 0.4344% | 6,162 |
| Loan and lease loss provision to assets | 0.5838% | 188 |
| Net operating income to assets | 9.6119% | 19 |
| Return on assets (ROA) | 9.6602% | 19 |
| Pretax return on assets | 15.2057% | 17 |
| Return on Equity (ROE) | 84.6986% | 5 |
| Retained earnings to average equity (ytd only) | 36.3656% | 18 |
| Net charge-offs to loans | 1.6696% | 89 |
| Credit loss provision to net charge-offs | 76.9714% | 3,001 |
| Earnings coverage of net charge-offs (x) | 20.7196% | 1,860 |
| Efficiency ratio | 2.6903% | 6,177 |
| Assets per employee ($millions) | 44.7641% | 25 |
| Cash dividends to net income (ytd only)* | 57.0647% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 1,344 |
| Loan loss allowance to noncurrent loans | 138.1044% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 3,350 |
| Noncurrent loans to loans | 1.2319% | 1,916 |
| Net loans and leases to total assets | 46.3147% | 5,135 |
| Net loans and leases to deposits | 57.3321% | 4,959 |
| Net loans and leases to core deposits | 57.3321% | 5,139 |
| Total domestic deposits to total assets | 80.7832% | 4,549 |
| Equity capital to assets | 10.1284% | 3,832 |
| Core capital (leverage) ratio | 10.0010% | 3,506 |
| Tier 1 risk-based capital ratio | 15.6787% | 2,846 |
| Total risk-based capital ratio | 16.9273% | 2,777 |
| Memoranda: | ||
| Average total assets | $734,035,800 | 939 |
| Average earning assets | $693,014,200 | 924 |
| Average equity | $83,719,200 | 910 |
| Average total loans | $333,438,000 | 1,339 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2999% | 11 |
| Cost of funding earning assets | 0.1048% | 6,041 |
| Net interest margin | 13.1951% | 10 |
| Noninterest income to average assets | 3.5412% | 176 |
| Noninterest expense to average assets | 0.4458% | 6,253 |
| Loan and lease loss provision to assets | 0.5765% | 161 |
| Net operating income to assets | 9.4392% | 20 |
| Return on assets (ROA) | 9.4800% | 20 |
| Pretax return on assets | 15.0356% | 19 |
| Return on Equity (ROE) | 80.9225% | 5 |
| Retained earnings to average equity (ytd only) | 28.5405% | 30 |
| Net charge-offs to loans | 1.7463% | 74 |
| Credit loss provision to net charge-offs | 73.3349% | 2,711 |
| Earnings coverage of net charge-offs (x) | 19.7793% | 1,915 |
| Efficiency ratio | 2.7871% | 6,265 |
| Assets per employee ($millions) | 45.3551% | 24 |
| Cash dividends to net income (ytd only)* | 64.7311% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 1,282 |
| Loan loss allowance to noncurrent loans | 141.5600% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 3,585 |
| Noncurrent loans to loans | 1.2660% | 2,018 |
| Net loans and leases to total assets | 44.2666% | 5,345 |
| Net loans and leases to deposits | 56.0136% | 5,122 |
| Net loans and leases to core deposits | 56.0136% | 5,309 |
| Total domestic deposits to total assets | 79.0284% | 4,967 |
| Equity capital to assets | 10.2094% | 3,920 |
| Core capital (leverage) ratio | 9.7972% | 3,904 |
| Tier 1 risk-based capital ratio | 16.0124% | 2,788 |
| Total risk-based capital ratio | 17.2651% | 2,735 |
| Memoranda: | ||
| Average total assets | $738,488,250 | 942 |
| Average earning assets | $696,950,000 | 926 |
| Average equity | $86,513,500 | 886 |
| Average total loans | $332,432,750 | 1,350 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2592% | 12 |
| Cost of funding earning assets | 0.1042% | 6,118 |
| Net interest margin | 13.1550% | 12 |
| Noninterest income to average assets | 3.6505% | 173 |
| Noninterest expense to average assets | 0.4459% | 6,328 |
| Loan and lease loss provision to assets | 0.4922% | 201 |
| Net operating income to assets | 9.5328% | 24 |
| Return on assets (ROA) | 9.6532% | 24 |
| Pretax return on assets | 15.3105% | 20 |
| Return on Equity (ROE) | 79.0908% | 9 |
| Retained earnings to average equity (ytd only) | 4.1057% | 3,412 |
| Net charge-offs to loans | 1.6235% | 101 |
| Credit loss provision to net charge-offs | 67.3793% | 2,498 |
| Earnings coverage of net charge-offs (x) | 21.3745% | 1,676 |
| Efficiency ratio | 2.7764% | 6,342 |
| Assets per employee ($millions) | 46.5688% | 24 |
| Cash dividends to net income (ytd only)* | 94.8089% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 1,239 |
| Loan loss allowance to noncurrent loans | 132.8284% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 3,554 |
| Noncurrent loans to loans | 1.4036% | 1,920 |
| Net loans and leases to total assets | 43.3622% | 5,411 |
| Net loans and leases to deposits | 55.8800% | 5,125 |
| Net loans and leases to core deposits | 55.8800% | 5,319 |
| Total domestic deposits to total assets | 77.5988% | 5,358 |
| Equity capital to assets | 12.0730% | 1,972 |
| Core capital (leverage) ratio | 12.0497% | 1,624 |
| Tier 1 risk-based capital ratio | 19.7494% | 1,608 |
| Total risk-based capital ratio | 21.0006% | 1,567 |
| Memoranda: | ||
| Average total assets | $742,757,000 | 937 |
| Average earning assets | $700,691,670 | 916 |
| Average equity | $90,655,330 | 847 |
| Average total loans | $334,211,330 | 1,343 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8468% | 10 |
| Cost of funding earning assets | 0.1064% | 6,181 |
| Net interest margin | 13.7404% | 7 |
| Noninterest income to average assets | 3.6328% | 180 |
| Noninterest expense to average assets | 0.4596% | 6,399 |
| Loan and lease loss provision to assets | 0.5383% | 186 |
| Net operating income to assets | 9.8301% | 19 |
| Return on assets (ROA) | 10.0148% | 19 |
| Pretax return on assets | 15.8838% | 19 |
| Return on Equity (ROE) | 81.6087% | 9 |
| Retained earnings to average equity (ytd only) | 4.9140% | 3,104 |
| Net charge-offs to loans | 1.8545% | 96 |
| Credit loss provision to net charge-offs | 63.9334% | 1,961 |
| Earnings coverage of net charge-offs (x) | 19.1614% | 1,456 |
| Efficiency ratio | 2.7696% | 6,412 |
| Assets per employee ($millions) | 45.7756% | 25 |
| Cash dividends to net income (ytd only)* | 93.9786% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 1,147 |
| Loan loss allowance to noncurrent loans | 122.6738% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,339 |
| Noncurrent loans to loans | 1.6025% | 1,743 |
| Net loans and leases to total assets | 43.9844% | 5,349 |
| Net loans and leases to deposits | 55.3604% | 5,093 |
| Net loans and leases to core deposits | 55.3604% | 5,290 |
| Total domestic deposits to total assets | 79.4510% | 5,187 |
| Equity capital to assets | 12.6186% | 1,619 |
| Core capital (leverage) ratio | 11.8279% | 1,756 |
| Tier 1 risk-based capital ratio | 19.5407% | 1,727 |
| Total risk-based capital ratio | 20.7962% | 1,682 |
| Memoranda: | ||
| Average total assets | $741,585,500 | 935 |
| Average earning assets | $699,484,500 | 920 |
| Average equity | $91,005,000 | 846 |
| Average total loans | $336,702,000 | 1,339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9562% | 15 |
| Cost of funding earning assets | 0.1175% | 6,260 |
| Net interest margin | 12.8386% | 13 |
| Noninterest income to average assets | 3.6797% | 156 |
| Noninterest expense to average assets | 0.4448% | 6,486 |
| Loan and lease loss provision to assets | 0.6948% | 182 |
| Net operating income to assets | 9.2020% | 22 |
| Return on assets (ROA) | 9.1753% | 22 |
| Pretax return on assets | 14.4082% | 20 |
| Return on Equity (ROE) | 95.9416% | 4 |
| Retained earnings to average equity (ytd only) | 53.3875% | 5 |
| Net charge-offs to loans | 1.8452% | 114 |
| Credit loss provision to net charge-offs | 81.1315% | 2,842 |
| Earnings coverage of net charge-offs (x) | 17.6844% | 1,904 |
| Efficiency ratio | 2.8530% | 6,506 |
| Assets per employee ($millions) | 46.9226% | 24 |
| Cash dividends to net income (ytd only)* | 44.3541% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0368% | 1,046 |
| Loan loss allowance to noncurrent loans | 117.9543% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 3,222 |
| Noncurrent loans to loans | 1.7268% | 1,681 |
| Net loans and leases to total assets | 44.9910% | 5,407 |
| Net loans and leases to deposits | 56.0931% | 5,180 |
| Net loans and leases to core deposits | 56.0931% | 5,377 |
| Total domestic deposits to total assets | 80.2078% | 4,966 |
| Equity capital to assets | 11.9332% | 2,061 |
| Core capital (leverage) ratio | 11.6618% | 1,853 |
| Tier 1 risk-based capital ratio | 19.1950% | 1,795 |
| Total risk-based capital ratio | 20.4491% | 1,758 |
| Memoranda: | ||
| Average total assets | $757,487,000 | 896 |
| Average earning assets | $702,684,800 | 873 |
| Average equity | $72,442,000 | 1,012 |
| Average total loans | $351,566,800 | 1,257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7954% | 14 |
| Cost of funding earning assets | 0.1217% | 6,330 |
| Net interest margin | 12.6737% | 12 |
| Noninterest income to average assets | 3.7127% | 157 |
| Noninterest expense to average assets | 0.4452% | 6,571 |
| Loan and lease loss provision to assets | 0.6925% | 188 |
| Net operating income to assets | 8.8725% | 21 |
| Return on assets (ROA) | 8.8502% | 21 |
| Pretax return on assets | 14.2479% | 18 |
| Return on Equity (ROE) | 98.5807% | 3 |
| Retained earnings to average equity (ytd only) | 66.6308% | 1 |
| Net charge-offs to loans | 1.8683% | 113 |
| Credit loss provision to net charge-offs | 79.6566% | 2,599 |
| Earnings coverage of net charge-offs (x) | 17.2258% | 1,920 |
| Efficiency ratio | 2.8871% | 6,587 |
| Assets per employee ($millions) | 46.7879% | 26 |
| Cash dividends to net income (ytd only)* | 32.4099% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 1,146 |
| Loan loss allowance to noncurrent loans | 119.1770% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 3,395 |
| Noncurrent loans to loans | 1.7302% | 1,875 |
| Net loans and leases to total assets | 45.9366% | 5,382 |
| Net loans and leases to deposits | 57.1531% | 5,165 |
| Net loans and leases to core deposits | 57.1531% | 5,386 |
| Total domestic deposits to total assets | 80.3746% | 4,992 |
| Equity capital to assets | 11.0318% | 2,924 |
| Core capital (leverage) ratio | 10.7013% | 2,816 |
| Tier 1 risk-based capital ratio | 17.8220% | 2,267 |
| Total risk-based capital ratio | 19.0762% | 2,227 |
| Memoranda: | ||
| Average total assets | $759,168,500 | 899 |
| Average earning assets | $701,309,000 | 880 |
| Average equity | $68,155,000 | 1,083 |
| Average total loans | $353,259,000 | 1,255 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8461% | 14 |
| Cost of funding earning assets | 0.1244% | 6,391 |
| Net interest margin | 12.7217% | 12 |
| Noninterest income to average assets | 3.7488% | 153 |
| Noninterest expense to average assets | 0.4164% | 6,634 |
| Loan and lease loss provision to assets | 0.4720% | 324 |
| Net operating income to assets | 9.0285% | 22 |
| Return on assets (ROA) | 8.9625% | 22 |
| Pretax return on assets | 14.4481% | 20 |
| Return on Equity (ROE) | 107.9106% | 2 |
| Retained earnings to average equity (ytd only) | 101.9118% | 1 |
| Net charge-offs to loans | 1.5996% | 165 |
| Credit loss provision to net charge-offs | 63.5818% | 2,589 |
| Earnings coverage of net charge-offs (x) | 20.2367% | 1,593 |
| Efficiency ratio | 2.6971% | 6,654 |
| Assets per employee ($millions) | 50.9155% | 25 |
| Cash dividends to net income (ytd only)* | 5.5591% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 1,226 |
| Loan loss allowance to noncurrent loans | 109.0360% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 3,376 |
| Noncurrent loans to loans | 1.9057% | 1,796 |
| Net loans and leases to total assets | 44.5260% | 5,495 |
| Net loans and leases to deposits | 55.1775% | 5,270 |
| Net loans and leases to core deposits | 55.1775% | 5,471 |
| Total domestic deposits to total assets | 80.6958% | 5,069 |
| Equity capital to assets | 10.7013% | 3,195 |
| Core capital (leverage) ratio | 10.7201% | 2,700 |
| Tier 1 risk-based capital ratio | 17.5127% | 2,407 |
| Total risk-based capital ratio | 18.7670% | 2,383 |
| Memoranda: | ||
| Average total assets | $762,689,330 | 891 |
| Average earning assets | $700,881,670 | 878 |
| Average equity | $63,345,000 | 1,156 |
| Average total loans | $353,970,670 | 1,241 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9185% | 10 |
| Cost of funding earning assets | 0.1237% | 6,482 |
| Net interest margin | 13.7949% | 10 |
| Noninterest income to average assets | 3.7451% | 151 |
| Noninterest expense to average assets | 0.4020% | 6,715 |
| Loan and lease loss provision to assets | 0.6424% | 195 |
| Net operating income to assets | 9.6408% | 21 |
| Return on assets (ROA) | 9.3859% | 21 |
| Pretax return on assets | 14.8902% | 21 |
| Return on Equity (ROE) | 132.0998% | 3 |
| Retained earnings to average equity (ytd only) | 118.0655% | 4 |
| Net charge-offs to loans | 1.8908% | 143 |
| Credit loss provision to net charge-offs | 72.4689% | 1,974 |
| Earnings coverage of net charge-offs (x) | 17.9722% | 1,438 |
| Efficiency ratio | 2.4614% | 6,726 |
| Assets per employee ($millions) | 46.5743% | 28 |
| Cash dividends to net income (ytd only)* | 10.6240% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2076% | 1,150 |
| Loan loss allowance to noncurrent loans | 115.1013% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 3,466 |
| Noncurrent loans to loans | 1.9180% | 1,970 |
| Net loans and leases to total assets | 46.2603% | 5,311 |
| Net loans and leases to deposits | 56.8385% | 5,042 |
| Net loans and leases to core deposits | 56.8385% | 5,289 |
| Total domestic deposits to total assets | 81.3890% | 5,127 |
| Equity capital to assets | 8.4793% | 5,674 |
| Core capital (leverage) ratio | 8.1617% | 5,983 |
| Tier 1 risk-based capital ratio | 14.1577% | 4,222 |
| Total risk-based capital ratio | 15.4139% | 4,167 |
| Memoranda: | ||
| Average total assets | $762,168,000 | 894 |
| Average earning assets | $695,475,500 | 888 |
| Average equity | $54,153,000 | 1,339 |
| Average total loans | $357,318,500 | 1,238 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9037% | 15 |
| Cost of funding earning assets | 0.1372% | 6,583 |
| Net interest margin | 12.7666% | 12 |
| Noninterest income to average assets | 4.1557% | 160 |
| Noninterest expense to average assets | 0.3956% | 6,792 |
| Loan and lease loss provision to assets | 0.7196% | 317 |
| Net operating income to assets | 9.0760% | 24 |
| Return on assets (ROA) | 9.1045% | 24 |
| Pretax return on assets | 14.6524% | 22 |
| Return on Equity (ROE) | 136.5540% | 3 |
| Retained earnings to average equity (ytd only) | -19.5811% | 6,665 |
| Net charge-offs to loans | 2.1550% | 160 |
| Credit loss provision to net charge-offs | 72.5377% | 3,237 |
| Earnings coverage of net charge-offs (x) | 15.4500% | 1,865 |
| Efficiency ratio | 2.5159% | 6,808 |
| Assets per employee ($millions) | 48.6968% | 27 |
| Cash dividends to net income (ytd only)* | 114.3394% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 1,067 |
| Loan loss allowance to noncurrent loans | 118.2874% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 3,652 |
| Noncurrent loans to loans | 1.9253% | 2,084 |
| Net loans and leases to total assets | 45.4191% | 5,540 |
| Net loans and leases to deposits | 56.7462% | 5,231 |
| Net loans and leases to core deposits | 56.7462% | 5,480 |
| Total domestic deposits to total assets | 80.0390% | 5,438 |
| Equity capital to assets | 5.7908% | 6,636 |
| Core capital (leverage) ratio | 5.7969% | 6,668 |
| Tier 1 risk-based capital ratio | 9.2495% | 6,641 |
| Total risk-based capital ratio | 10.5056% | 6,619 |
| Memoranda: | ||
| Average total assets | $782,900,200 | 856 |
| Average earning assets | $709,368,200 | 854 |
| Average equity | $52,198,400 | 1,358 |
| Average total loans | $360,421,800 | 1,188 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9335% | 15 |
| Cost of funding earning assets | 0.1380% | 6,678 |
| Net interest margin | 12.7955% | 13 |
| Noninterest income to average assets | 4.2731% | 163 |
| Noninterest expense to average assets | 0.3883% | 6,871 |
| Loan and lease loss provision to assets | 0.6852% | 318 |
| Net operating income to assets | 9.2379% | 20 |
| Return on assets (ROA) | 9.2745% | 20 |
| Pretax return on assets | 14.8678% | 19 |
| Return on Equity (ROE) | 134.7030% | 3 |
| Retained earnings to average equity (ytd only) | -16.6168% | 6,725 |
| Net charge-offs to loans | 2.1874% | 159 |
| Credit loss provision to net charge-offs | 68.2018% | 3,102 |
| Earnings coverage of net charge-offs (x) | 15.4248% | 1,866 |
| Efficiency ratio | 2.4448% | 6,887 |
| Assets per employee ($millions) | 48.9043% | 32 |
| Cash dividends to net income (ytd only)* | 112.3359% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 1,066 |
| Loan loss allowance to noncurrent loans | 118.8260% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 3,850 |
| Noncurrent loans to loans | 2.0056% | 2,244 |
| Net loans and leases to total assets | 44.5069% | 5,684 |
| Net loans and leases to deposits | 55.8549% | 5,384 |
| Net loans and leases to core deposits | 55.8549% | 5,636 |
| Total domestic deposits to total assets | 79.6830% | 5,586 |
| Equity capital to assets | 6.4192% | 6,652 |
| Core capital (leverage) ratio | 6.3448% | 6,685 |
| Tier 1 risk-based capital ratio | 10.2382% | 6,526 |
| Total risk-based capital ratio | 11.4949% | 6,496 |
| Memoranda: | ||
| Average total assets | $783,838,250 | 857 |
| Average earning assets | $711,284,250 | 858 |
| Average equity | $53,968,250 | 1,327 |
| Average total loans | $359,995,000 | 1,191 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9096% | 14 |
| Cost of funding earning assets | 0.1358% | 6,748 |
| Net interest margin | 12.7738% | 12 |
| Noninterest income to average assets | 4.4519% | 167 |
| Noninterest expense to average assets | 0.3914% | 6,922 |
| Loan and lease loss provision to assets | 0.5743% | 448 |
| Net operating income to assets | 9.4132% | 19 |
| Return on assets (ROA) | 9.5449% | 19 |
| Pretax return on assets | 15.3756% | 17 |
| Return on Equity (ROE) | 135.5791% | 4 |
| Retained earnings to average equity (ytd only) | -38.1056% | 6,875 |
| Net charge-offs to loans | 2.2084% | 183 |
| Credit loss provision to net charge-offs | 56.4836% | 3,086 |
| Earnings coverage of net charge-offs (x) | 15.4853% | 1,738 |
| Efficiency ratio | 2.4259% | 6,934 |
| Assets per employee ($millions) | 48.7464% | 30 |
| Cash dividends to net income (ytd only)* | 128.1058% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4322% | 1,056 |
| Loan loss allowance to noncurrent loans | 120.1696% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 3,942 |
| Noncurrent loans to loans | 2.0240% | 2,376 |
| Net loans and leases to total assets | 44.4637% | 5,698 |
| Net loans and leases to deposits | 56.2400% | 5,312 |
| Net loans and leases to core deposits | 56.2400% | 5,577 |
| Total domestic deposits to total assets | 79.0606% | 5,794 |
| Equity capital to assets | 5.9820% | 6,745 |
| Core capital (leverage) ratio | 5.8297% | 6,766 |
| Tier 1 risk-based capital ratio | 9.5691% | 6,711 |
| Total risk-based capital ratio | 10.8266% | 6,693 |
| Memoranda: | ||
| Average total assets | $784,295,000 | 858 |
| Average earning assets | $717,360,000 | 849 |
| Average equity | $55,215,000 | 1,306 |
| Average total loans | $361,075,330 | 1,178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4504% | 13 |
| Cost of funding earning assets | 0.1327% | 6,834 |
| Net interest margin | 13.3177% | 10 |
| Noninterest income to average assets | 4.4991% | 169 |
| Noninterest expense to average assets | 0.3921% | 7,002 |
| Loan and lease loss provision to assets | 0.7502% | 301 |
| Net operating income to assets | 9.6540% | 20 |
| Return on assets (ROA) | 9.6517% | 20 |
| Pretax return on assets | 15.5545% | 17 |
| Return on Equity (ROE) | 127.5883% | 6 |
| Retained earnings to average equity (ytd only) | -41.5030% | 6,942 |
| Net charge-offs to loans | 2.5898% | 154 |
| Credit loss provision to net charge-offs | 62.6061% | 2,402 |
| Earnings coverage of net charge-offs (x) | 13.6099% | 1,519 |
| Efficiency ratio | 2.3480% | 7,013 |
| Assets per employee ($millions) | 50.9901% | 31 |
| Cash dividends to net income (ytd only)* | 132.5289% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6846% | 933 |
| Loan loss allowance to noncurrent loans | 105.5210% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 3,606 |
| Noncurrent loans to loans | 2.5441% | 2,029 |
| Net loans and leases to total assets | 45.0201% | 5,542 |
| Net loans and leases to deposits | 55.7973% | 5,266 |
| Net loans and leases to core deposits | 55.7973% | 5,538 |
| Total domestic deposits to total assets | 80.6851% | 5,574 |
| Equity capital to assets | 7.3861% | 6,628 |
| Core capital (leverage) ratio | 6.4750% | 6,751 |
| Tier 1 risk-based capital ratio | 11.2560% | 6,285 |
| Total risk-based capital ratio | 12.5165% | 6,261 |
| Memoranda: | ||
| Average total assets | $786,471,500 | 863 |
| Average earning assets | $720,544,500 | 851 |
| Average equity | $59,494,500 | 1,232 |
| Average total loans | $363,895,000 | 1,178 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5399% | 13 |
| Cost of funding earning assets | 0.2462% | 6,684 |
| Net interest margin | 13.2937% | 10 |
| Noninterest income to average assets | 4.6719% | 157 |
| Noninterest expense to average assets | 0.3897% | 7,050 |
| Loan and lease loss provision to assets | 0.3750% | 1,745 |
| Net operating income to assets | 10.3301% | 21 |
| Return on assets (ROA) | 10.5436% | 21 |
| Pretax return on assets | 16.3026% | 20 |
| Return on Equity (ROE) | 143.3000% | 3 |
| Retained earnings to average equity (ytd only) | 1.9106% | 4,875 |
| Net charge-offs to loans | 2.3221% | 281 |
| Credit loss provision to net charge-offs | 33.2456% | 5,058 |
| Earnings coverage of net charge-offs (x) | 14.4946% | 1,729 |
| Efficiency ratio | 2.3282% | 7,075 |
| Assets per employee ($millions) | 50.5058% | 32 |
| Cash dividends to net income (ytd only)* | 98.6667% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7757% | 843 |
| Loan loss allowance to noncurrent loans | 99.0931% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 3,486 |
| Noncurrent loans to loans | 2.8011% | 1,880 |
| Net loans and leases to total assets | 44.9917% | 5,729 |
| Net loans and leases to deposits | 56.2558% | 5,423 |
| Net loans and leases to core deposits | 56.2558% | 5,700 |
| Total domestic deposits to total assets | 79.9769% | 5,673 |
| Equity capital to assets | 7.7338% | 6,535 |
| Core capital (leverage) ratio | 7.2908% | 6,590 |
| Tier 1 risk-based capital ratio | 11.8470% | 5,877 |
| Total risk-based capital ratio | 13.1085% | 5,831 |
| Memoranda: | ||
| Average total assets | $774,679,400 | 852 |
| Average earning assets | $703,196,000 | 860 |
| Average equity | $56,998,600 | 1,248 |
| Average total loans | $376,291,200 | 1,110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7737% | 13 |
| Cost of funding earning assets | 0.2502% | 6,810 |
| Net interest margin | 13.5235% | 10 |
| Noninterest income to average assets | 4.6216% | 157 |
| Noninterest expense to average assets | 0.3861% | 7,164 |
| Loan and lease loss provision to assets | 0.6142% | 880 |
| Net operating income to assets | 9.8596% | 20 |
| Return on assets (ROA) | 10.0959% | 18 |
| Pretax return on assets | 16.1981% | 17 |
| Return on Equity (ROE) | 139.0893% | 2 |
| Retained earnings to average equity (ytd only) | -10.1224% | 6,819 |
| Net charge-offs to loans | 2.3438% | 275 |
| Credit loss provision to net charge-offs | 53.2830% | 4,315 |
| Earnings coverage of net charge-offs (x) | 14.2654% | 1,847 |
| Efficiency ratio | 2.2941% | 7,174 |
| Assets per employee ($millions) | 52.3013% | 34 |
| Cash dividends to net income (ytd only)* | 107.2777% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5517% | 444 |
| Loan loss allowance to noncurrent loans | 140.9174% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 3,917 |
| Noncurrent loans to loans | 2.5204% | 2,265 |
| Net loans and leases to total assets | 45.4073% | 5,830 |
| Net loans and leases to deposits | 57.0448% | 5,530 |
| Net loans and leases to core deposits | 57.0448% | 5,808 |
| Total domestic deposits to total assets | 79.5993% | 5,749 |
| Equity capital to assets | 7.2828% | 6,823 |
| Core capital (leverage) ratio | 6.4730% | 6,890 |
| Tier 1 risk-based capital ratio | 10.6855% | 6,603 |
| Total risk-based capital ratio | 11.9543% | 6,587 |
| Memoranda: | ||
| Average total assets | $766,326,250 | 872 |
| Average earning assets | $691,757,500 | 879 |
| Average equity | $55,624,250 | 1,290 |
| Average total loans | $376,875,500 | 1,120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0269% | 12 |
| Cost of funding earning assets | 0.2442% | 6,932 |
| Net interest margin | 13.7826% | 10 |
| Noninterest income to average assets | 4.6871% | 146 |
| Noninterest expense to average assets | 0.3891% | 7,225 |
| Loan and lease loss provision to assets | 0.5445% | 1,134 |
| Net operating income to assets | 10.0445% | 20 |
| Return on assets (ROA) | 10.2654% | 18 |
| Pretax return on assets | 16.5538% | 18 |
| Return on Equity (ROE) | 141.5875% | 3 |
| Retained earnings to average equity (ytd only) | -19.1507% | 7,002 |
| Net charge-offs to loans | 2.2152% | 345 |
| Credit loss provision to net charge-offs | 49.2623% | 4,055 |
| Earnings coverage of net charge-offs (x) | 15.1556% | 1,662 |
| Efficiency ratio | 2.2697% | 7,236 |
| Assets per employee ($millions) | 51.0277% | 32 |
| Cash dividends to net income (ytd only)* | 113.5257% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8332% | 387 |
| Loan loss allowance to noncurrent loans | 147.8631% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.2442% | 3,926 |
| Noncurrent loans to loans | 2.5924% | 2,316 |
| Net loans and leases to total assets | 46.1531% | 5,809 |
| Net loans and leases to deposits | 54.8194% | 5,788 |
| Net loans and leases to core deposits | 54.8194% | 6,036 |
| Total domestic deposits to total assets | 84.1911% | 4,235 |
| Equity capital to assets | 7.0180% | 6,908 |
| Core capital (leverage) ratio | 6.5268% | 6,921 |
| Tier 1 risk-based capital ratio | 10.6267% | 6,652 |
| Total risk-based capital ratio | 11.8996% | 6,629 |
| Memoranda: | ||
| Average total assets | $760,262,000 | 880 |
| Average earning assets | $687,038,330 | 887 |
| Average equity | $55,120,670 | 1,291 |
| Average total loans | $379,385,000 | 1,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8211% | 10 |
| Cost of funding earning assets | 0.2508% | 7,003 |
| Net interest margin | 14.5703% | 9 |
| Noninterest income to average assets | 4.8046% | 138 |
| Noninterest expense to average assets | 0.3104% | 7,296 |
| Loan and lease loss provision to assets | 0.8447% | 555 |
| Net operating income to assets | 10.5033% | 17 |
| Return on assets (ROA) | 10.7327% | 18 |
| Pretax return on assets | 17.0403% | 15 |
| Return on Equity (ROE) | 145.6760% | 3 |
| Retained earnings to average equity (ytd only) | -13.7579% | 6,947 |
| Net charge-offs to loans | 2.2584% | 388 |
| Credit loss provision to net charge-offs | 73.5294% | 2,851 |
| Earnings coverage of net charge-offs (x) | 15.2569% | 1,429 |
| Efficiency ratio | 1.7403% | 7,297 |
| Assets per employee ($millions) | 46.7688% | 34 |
| Cash dividends to net income (ytd only)* | 109.4442% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1786% | 321 |
| Loan loss allowance to noncurrent loans | 150.1681% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 3,783 |
| Noncurrent loans to loans | 2.7826% | 2,330 |
| Net loans and leases to total assets | 47.9189% | 5,569 |
| Net loans and leases to deposits | 57.7860% | 5,403 |
| Net loans and leases to core deposits | 57.7860% | 5,728 |
| Total domestic deposits to total assets | 82.9248% | 4,959 |
| Equity capital to assets | 7.3051% | 6,845 |
| Core capital (leverage) ratio | 6.8132% | 6,903 |
| Tier 1 risk-based capital ratio | 11.1491% | 6,471 |
| Total risk-based capital ratio | 12.4260% | 6,444 |
| Memoranda: | ||
| Average total assets | $757,685,000 | 884 |
| Average earning assets | $677,709,000 | 897 |
| Average equity | $55,822,500 | 1,274 |
| Average total loans | $385,405,500 | 1,101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6160% | 9 |
| Cost of funding earning assets | 0.4439% | 6,753 |
| Net interest margin | 15.1721% | 9 |
| Noninterest income to average assets | 5.3112% | 113 |
| Noninterest expense to average assets | 0.3330% | 7,342 |
| Loan and lease loss provision to assets | 1.1571% | 776 |
| Net operating income to assets | 11.1517% | 14 |
| Return on assets (ROA) | 11.1042% | 15 |
| Pretax return on assets | 17.7996% | 14 |
| Return on Equity (ROE) | 155.3089% | 2 |
| Retained earnings to average equity (ytd only) | 2.2980% | 4,580 |
| Net charge-offs to loans | 3.1300% | 290 |
| Credit loss provision to net charge-offs | 68.5422% | 4,905 |
| Earnings coverage of net charge-offs (x) | 11.2729% | 1,735 |
| Efficiency ratio | 1.7197% | 7,353 |
| Assets per employee ($millions) | 47.9419% | 36 |
| Cash dividends to net income (ytd only)* | 98.5203% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0880% | 360 |
| Loan loss allowance to noncurrent loans | 144.7202% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.4605% | 3,791 |
| Noncurrent loans to loans | 2.8248% | 2,321 |
| Net loans and leases to total assets | 49.5892% | 5,647 |
| Net loans and leases to deposits | 59.1484% | 5,581 |
| Net loans and leases to core deposits | 59.1484% | 5,919 |
| Total domestic deposits to total assets | 83.8386% | 4,391 |
| Equity capital to assets | 7.4284% | 6,843 |
| Core capital (leverage) ratio | 6.9684% | 6,875 |
| Tier 1 risk-based capital ratio | 10.3781% | 6,740 |
| Total risk-based capital ratio | 11.6520% | 6,708 |
| Memoranda: | ||
| Average total assets | $728,529,400 | 896 |
| Average earning assets | $674,776,400 | 882 |
| Average equity | $52,087,800 | 1,311 |
| Average total loans | $392,933,800 | 1,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3617% | 12 |
| Cost of funding earning assets | 0.4785% | 6,785 |
| Net interest margin | 14.8831% | 10 |
| Noninterest income to average assets | 5.4582% | 117 |
| Noninterest expense to average assets | 0.3531% | 7,418 |
| Loan and lease loss provision to assets | 1.5171% | 452 |
| Net operating income to assets | 11.0457% | 16 |
| Return on assets (ROA) | 10.9675% | 17 |
| Pretax return on assets | 17.4484% | 15 |
| Return on Equity (ROE) | 155.0093% | 3 |
| Retained earnings to average equity (ytd only) | -8.8206% | 6,811 |
| Net charge-offs to loans | 3.1858% | 281 |
| Credit loss provision to net charge-offs | 87.3279% | 3,879 |
| Earnings coverage of net charge-offs (x) | 10.9873% | 1,854 |
| Efficiency ratio | 1.8164% | 7,425 |
| Assets per employee ($millions) | 48.3797% | 37 |
| Cash dividends to net income (ytd only)* | 105.6904% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7853% | 216 |
| Loan loss allowance to noncurrent loans | 154.8009% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.6820% | 3,562 |
| Noncurrent loans to loans | 3.0913% | 2,243 |
| Net loans and leases to total assets | 51.8068% | 5,472 |
| Net loans and leases to deposits | 62.8628% | 5,308 |
| Net loans and leases to core deposits | 62.8628% | 5,727 |
| Total domestic deposits to total assets | 82.4124% | 4,919 |
| Equity capital to assets | 7.2448% | 7,005 |
| Core capital (leverage) ratio | 6.5923% | 7,055 |
| Tier 1 risk-based capital ratio | 10.3146% | 6,854 |
| Total risk-based capital ratio | 11.6004% | 6,826 |
| Memoranda: | ||
| Average total assets | $718,894,250 | 917 |
| Average earning assets | $675,396,250 | 885 |
| Average equity | $50,864,500 | 1,346 |
| Average total loans | $392,018,000 | 1,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4467% | 10 |
| Cost of funding earning assets | 0.4679% | 6,958 |
| Net interest margin | 14.9788% | 10 |
| Noninterest income to average assets | 5.5234% | 122 |
| Noninterest expense to average assets | 0.3530% | 7,496 |
| Loan and lease loss provision to assets | 1.4415% | 498 |
| Net operating income to assets | 11.3221% | 14 |
| Return on assets (ROA) | 11.2097% | 16 |
| Pretax return on assets | 17.5798% | 15 |
| Return on Equity (ROE) | 159.7238% | 3 |
| Retained earnings to average equity (ytd only) | -8.2872% | 6,790 |
| Net charge-offs to loans | 3.4786% | 257 |
| Credit loss provision to net charge-offs | 75.9335% | 3,887 |
| Earnings coverage of net charge-offs (x) | 10.1125% | 1,852 |
| Efficiency ratio | 1.8059% | 7,502 |
| Assets per employee ($millions) | 49.9812% | 35 |
| Cash dividends to net income (ytd only)* | 105.1885% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8798% | 203 |
| Loan loss allowance to noncurrent loans | 164.5993% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 1.4947% | 3,962 |
| Noncurrent loans to loans | 2.9646% | 2,449 |
| Net loans and leases to total assets | 47.9574% | 6,056 |
| Net loans and leases to deposits | 56.8515% | 6,063 |
| Net loans and leases to core deposits | 56.8515% | 6,358 |
| Total domestic deposits to total assets | 84.3555% | 4,189 |
| Equity capital to assets | 6.7637% | 7,147 |
| Core capital (leverage) ratio | 6.7851% | 7,058 |
| Tier 1 risk-based capital ratio | 10.5726% | 6,763 |
| Total risk-based capital ratio | 11.8569% | 6,741 |
| Memoranda: | ||
| Average total assets | $716,627,330 | 924 |
| Average earning assets | $671,067,000 | 902 |
| Average equity | $50,294,330 | 1,335 |
| Average total loans | $391,072,670 | 1,108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4612% | 10 |
| Cost of funding earning assets | 0.4763% | 7,042 |
| Net interest margin | 15.9850% | 10 |
| Noninterest income to average assets | 5.7170% | 121 |
| Noninterest expense to average assets | 0.3662% | 7,556 |
| Loan and lease loss provision to assets | 1.2998% | 525 |
| Net operating income to assets | 12.1343% | 16 |
| Return on assets (ROA) | 11.8432% | 16 |
| Pretax return on assets | 18.5733% | 14 |
| Return on Equity (ROE) | 165.5360% | 5 |
| Retained earnings to average equity (ytd only) | 14.9979% | 393 |
| Net charge-offs to loans | 3.5301% | 284 |
| Credit loss provision to net charge-offs | 64.8333% | 3,454 |
| Earnings coverage of net charge-offs (x) | 10.1391% | 1,656 |
| Efficiency ratio | 1.7698% | 7,562 |
| Assets per employee ($millions) | 44.5407% | 36 |
| Cash dividends to net income (ytd only)* | 90.9398% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9417% | 206 |
| Loan loss allowance to noncurrent loans | 152.1841% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7379% | 3,655 |
| Noncurrent loans to loans | 3.2472% | 2,315 |
| Net loans and leases to total assets | 50.8753% | 5,726 |
| Net loans and leases to deposits | 59.7588% | 5,746 |
| Net loans and leases to core deposits | 59.7588% | 6,113 |
| Total domestic deposits to total assets | 85.1344% | 3,976 |
| Equity capital to assets | 7.1513% | 7,038 |
| Core capital (leverage) ratio | 6.9876% | 7,015 |
| Tier 1 risk-based capital ratio | 11.2345% | 6,323 |
| Total risk-based capital ratio | 12.5217% | 6,265 |
| Memoranda: | ||
| Average total assets | $700,082,000 | 954 |
| Average earning assets | $655,941,500 | 927 |
| Average equity | $50,087,000 | 1,330 |
| Average total loans | $397,614,000 | 1,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4492% | 10 |
| Cost of funding earning assets | 0.6567% | 6,992 |
| Net interest margin | 15.7925% | 9 |
| Noninterest income to average assets | 6.2460% | 106 |
| Noninterest expense to average assets | 0.3564% | 7,622 |
| Loan and lease loss provision to assets | 2.2872% | 534 |
| Net operating income to assets | 11.4897% | 13 |
| Return on assets (ROA) | 11.7339% | 14 |
| Pretax return on assets | 18.6965% | 13 |
| Return on Equity (ROE) | 155.6456% | 3 |
| Retained earnings to average equity (ytd only) | -23.0978% | 7,070 |
| Net charge-offs to loans | 4.3436% | 263 |
| Credit loss provision to net charge-offs | 89.1064% | 5,166 |
| Earnings coverage of net charge-offs (x) | 8.0265% | 2,025 |
| Efficiency ratio | 1.7003% | 7,643 |
| Assets per employee ($millions) | 42.9696% | 35 |
| Cash dividends to net income (ytd only)* | 114.8400% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8529% | 211 |
| Loan loss allowance to noncurrent loans | 154.4294% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 3,496 |
| Noncurrent loans to loans | 3.1425% | 2,425 |
| Net loans and leases to total assets | 57.2695% | 5,145 |
| Net loans and leases to deposits | 65.1391% | 5,502 |
| Net loans and leases to core deposits | 65.1391% | 5,960 |
| Total domestic deposits to total assets | 87.9188% | 2,299 |
| Equity capital to assets | 7.1577% | 7,059 |
| Core capital (leverage) ratio | 6.8697% | 7,080 |
| Tier 1 risk-based capital ratio | 10.3974% | 6,762 |
| Total risk-based capital ratio | 11.6857% | 6,717 |
| Memoranda: | ||
| Average total assets | $702,399,000 | 951 |
| Average earning assets | $654,359,800 | 933 |
| Average equity | $52,953,000 | 1,266 |
| Average total loans | $415,067,000 | 1,076 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.2372% | 10 |
| Cost of funding earning assets | 0.7189% | 7,011 |
| Net interest margin | 15.5183% | 9 |
| Noninterest income to average assets | 5.7094% | 119 |
| Noninterest expense to average assets | 0.3546% | 7,740 |
| Loan and lease loss provision to assets | 2.1488% | 529 |
| Net operating income to assets | 11.2964% | 13 |
| Return on assets (ROA) | 11.5822% | 14 |
| Pretax return on assets | 18.0901% | 13 |
| Return on Equity (ROE) | 151.7657% | 3 |
| Retained earnings to average equity (ytd only) | -30.5808% | 7,387 |
| Net charge-offs to loans | 4.4861% | 228 |
| Credit loss provision to net charge-offs | 81.4253% | 5,092 |
| Earnings coverage of net charge-offs (x) | 7.5001% | 2,319 |
| Efficiency ratio | 1.7601% | 7,746 |
| Assets per employee ($millions) | 44.2069% | 35 |
| Cash dividends to net income (ytd only)* | 120.1500% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7641% | 205 |
| Loan loss allowance to noncurrent loans | 150.1467% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 3,704 |
| Noncurrent loans to loans | 3.1730% | 2,509 |
| Net loans and leases to total assets | 54.9704% | 5,708 |
| Net loans and leases to deposits | 65.0847% | 5,778 |
| Net loans and leases to core deposits | 65.0847% | 6,205 |
| Total domestic deposits to total assets | 84.4597% | 3,894 |
| Equity capital to assets | 7.1707% | 7,283 |
| Core capital (leverage) ratio | 6.5616% | 7,319 |
| Tier 1 risk-based capital ratio | 10.5216% | 6,761 |
| Total risk-based capital ratio | 11.8090% | 6,719 |
| Memoranda: | ||
| Average total assets | $706,120,500 | 951 |
| Average earning assets | $656,944,250 | 934 |
| Average equity | $53,888,750 | 1,239 |
| Average total loans | $415,379,500 | 1,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.3228% | 11 |
| Cost of funding earning assets | 0.6959% | 7,201 |
| Net interest margin | 15.6269% | 9 |
| Noninterest income to average assets | 5.8371% | 116 |
| Noninterest expense to average assets | 0.3627% | 7,810 |
| Loan and lease loss provision to assets | 2.1000% | 585 |
| Net operating income to assets | 11.4419% | 13 |
| Return on assets (ROA) | 11.5034% | 15 |
| Pretax return on assets | 17.9671% | 15 |
| Return on Equity (ROE) | 147.7505% | 3 |
| Retained earnings to average equity (ytd only) | -21.6907% | 7,296 |
| Net charge-offs to loans | 4.8708% | 219 |
| Credit loss provision to net charge-offs | 72.8327% | 4,898 |
| Earnings coverage of net charge-offs (x) | 6.9265% | 2,385 |
| Efficiency ratio | 1.7840% | 7,813 |
| Assets per employee ($millions) | 48.1583% | 32 |
| Cash dividends to net income (ytd only)* | 114.6806% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7160% | 215 |
| Loan loss allowance to noncurrent loans | 144.0245% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.8533% | 3,686 |
| Noncurrent loans to loans | 3.2744% | 2,451 |
| Net loans and leases to total assets | 53.9309% | 5,992 |
| Net loans and leases to deposits | 63.5916% | 6,075 |
| Net loans and leases to core deposits | 63.5916% | 6,440 |
| Total domestic deposits to total assets | 84.8083% | 3,724 |
| Equity capital to assets | 7.8697% | 6,872 |
| Core capital (leverage) ratio | 7.7021% | 6,606 |
| Tier 1 risk-based capital ratio | 11.9310% | 5,371 |
| Total risk-based capital ratio | 13.2180% | 5,306 |
| Memoranda: | ||
| Average total assets | $705,724,000 | 953 |
| Average earning assets | $654,678,330 | 942 |
| Average equity | $54,945,330 | 1,205 |
| Average total loans | $417,752,330 | 1,091 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.1549% | 11 |
| Cost of funding earning assets | 0.7048% | 7,327 |
| Net interest margin | 16.4501% | 8 |
| Noninterest income to average assets | 6.1032% | 117 |
| Noninterest expense to average assets | 0.3556% | 7,916 |
| Loan and lease loss provision to assets | 2.8965% | 349 |
| Net operating income to assets | 11.5536% | 15 |
| Return on assets (ROA) | 11.5481% | 16 |
| Pretax return on assets | 18.0367% | 17 |
| Return on Equity (ROE) | 149.1587% | 10 |
| Retained earnings to average equity (ytd only) | -30.4926% | 7,558 |
| Net charge-offs to loans | 4.9683% | 244 |
| Credit loss provision to net charge-offs | 96.3005% | 3,515 |
| Earnings coverage of net charge-offs (x) | 6.9626% | 2,146 |
| Efficiency ratio | 1.6697% | 7,919 |
| Assets per employee ($millions) | 46.2592% | 34 |
| Cash dividends to net income (ytd only)* | 120.4430% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3790% | 137 |
| Loan loss allowance to noncurrent loans | 140.7899% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 2.2368% | 3,228 |
| Noncurrent loans to loans | 3.8206% | 2,073 |
| Net loans and leases to total assets | 55.3970% | 5,830 |
| Net loans and leases to deposits | 65.8550% | 5,838 |
| Net loans and leases to core deposits | 65.8550% | 6,293 |
| Total domestic deposits to total assets | 84.1196% | 4,091 |
| Equity capital to assets | 7.6914% | 6,936 |
| Core capital (leverage) ratio | 7.3448% | 6,987 |
| Tier 1 risk-based capital ratio | 11.4079% | 5,755 |
| Total risk-based capital ratio | 12.7009% | 5,701 |
| Memoranda: | ||
| Average total assets | $697,399,000 | 983 |
| Average earning assets | $644,152,500 | 974 |
| Average equity | $53,993,500 | 1,238 |
| Average total loans | $422,196,000 | 1,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.4042% | 4 |
| Cost of funding earning assets | 0.6877% | 7,696 |
| Net interest margin | 18.7166% | 3 |
| Noninterest income to average assets | 6.3777% | 112 |
| Noninterest expense to average assets | 0.3814% | 7,992 |
| Loan and lease loss provision to assets | 3.9083% | 360 |
| Net operating income to assets | 12.3294% | 11 |
| Return on assets (ROA) | 12.3270% | 11 |
| Pretax return on assets | 19.3305% | 10 |
| Return on Equity (ROE) | 150.0463% | 4 |
| Retained earnings to average equity (ytd only) | -23.6665% | 7,228 |
| Net charge-offs to loans | 6.4015% | 152 |
| Credit loss provision to net charge-offs | 96.7542% | 5,744 |
| Earnings coverage of net charge-offs (x) | 5.7540% | 2,507 |
| Efficiency ratio | 1.6144% | 7,998 |
| Assets per employee ($millions) | 46.7273% | 38 |
| Cash dividends to net income (ytd only)* | 115.7728% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0316% | 172 |
| Loan loss allowance to noncurrent loans | 139.2848% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 2.2582% | 3,056 |
| Noncurrent loans to loans | 3.6125% | 2,086 |
| Net loans and leases to total assets | 59.3658% | 5,440 |
| Net loans and leases to deposits | 68.5402% | 5,770 |
| Net loans and leases to core deposits | 68.5402% | 6,846 |
| Total domestic deposits to total assets | 86.6145% | 2,699 |
| Equity capital to assets | 7.7923% | 6,776 |
| Core capital (leverage) ratio | 7.4779% | 6,811 |
| Tier 1 risk-based capital ratio | 10.1950% | 6,689 |
| Total risk-based capital ratio | 11.4810% | 6,626 |
| Memoranda: | ||
| Average total assets | $702,459,000 | 977 |
| Average earning assets | $647,271,200 | 963 |
| Average equity | $57,710,200 | 1,147 |
| Average total loans | $443,253,200 | 1,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.7394% | 5 |
| Cost of funding earning assets | 0.6859% | 7,826 |
| Net interest margin | 19.0535% | 3 |
| Noninterest income to average assets | 6.5348% | 114 |
| Noninterest expense to average assets | 0.3978% | 8,081 |
| Loan and lease loss provision to assets | 3.5521% | 365 |
| Net operating income to assets | 12.7040% | 12 |
| Return on assets (ROA) | 12.7046% | 12 |
| Pretax return on assets | 20.1499% | 11 |
| Return on Equity (ROE) | 152.6820% | 5 |
| Retained earnings to average equity (ytd only) | -32.6648% | 7,644 |
| Net charge-offs to loans | 6.2419% | 135 |
| Credit loss provision to net charge-offs | 89.9765% | 5,484 |
| Earnings coverage of net charge-offs (x) | 6.0036% | 2,687 |
| Efficiency ratio | 1.6507% | 8,078 |
| Assets per employee ($millions) | 46.7970% | 40 |
| Cash dividends to net income (ytd only)* | 121.3940% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8456% | 154 |
| Loan loss allowance to noncurrent loans | 120.8531% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 2.4614% | 2,795 |
| Noncurrent loans to loans | 4.0095% | 1,830 |
| Net loans and leases to total assets | 58.4150% | 5,826 |
| Net loans and leases to deposits | 66.8939% | 6,220 |
| Net loans and leases to core deposits | 66.8939% | 7,121 |
| Total domestic deposits to total assets | 87.3248% | 1,998 |
| Equity capital to assets | 7.7099% | 7,139 |
| Core capital (leverage) ratio | 7.3986% | 7,080 |
| Tier 1 risk-based capital ratio | 10.2929% | 6,689 |
| Total risk-based capital ratio | 11.5787% | 6,594 |
| Memoranda: | ||
| Average total assets | $702,846,250 | 983 |
| Average earning assets | $647,907,000 | 974 |
| Average equity | $58,483,500 | 1,144 |
| Average total loans | $444,529,750 | 1,098 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.3503% | 3 |
| Cost of funding earning assets | 0.6792% | 7,937 |
| Net interest margin | 19.6712% | 3 |
| Noninterest income to average assets | 6.7961% | 105 |
| Noninterest expense to average assets | 0.4244% | 8,174 |
| Loan and lease loss provision to assets | 3.5341% | 406 |
| Net operating income to assets | 13.1645% | 12 |
| Return on assets (ROA) | 13.1709% | 12 |
| Pretax return on assets | 20.8896% | 11 |
| Return on Equity (ROE) | 154.5097% | 7 |
| Retained earnings to average equity (ytd only) | -15.3325% | 7,257 |
| Net charge-offs to loans | 6.1889% | 167 |
| Credit loss provision to net charge-offs | 89.4142% | 4,943 |
| Earnings coverage of net charge-offs (x) | 6.1767% | 2,672 |
| Efficiency ratio | 1.7086% | 8,165 |
| Assets per employee ($millions) | 46.2837% | 37 |
| Cash dividends to net income (ytd only)* | 109.9233% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0841% | 121 |
| Loan loss allowance to noncurrent loans | 130.3973% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 2.3745% | 2,732 |
| Noncurrent loans to loans | 3.8989% | 1,744 |
| Net loans and leases to total assets | 57.8051% | 5,993 |
| Net loans and leases to deposits | 65.0537% | 6,473 |
| Net loans and leases to core deposits | 65.0537% | 7,253 |
| Total domestic deposits to total assets | 88.8576% | 1,344 |
| Equity capital to assets | 8.1313% | 6,595 |
| Core capital (leverage) ratio | 7.7226% | 6,721 |
| Tier 1 risk-based capital ratio | 10.8886% | 5,994 |
| Total risk-based capital ratio | 12.1749% | 5,900 |
| Memoranda: | ||
| Average total assets | $703,143,330 | 998 |
| Average earning assets | $644,913,330 | 990 |
| Average equity | $59,938,000 | 1,134 |
| Average total loans | $449,063,670 | 1,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.4505% | 4 |
| Cost of funding earning assets | 0.6776% | 8,004 |
| Net interest margin | 20.7729% | 3 |
| Noninterest income to average assets | 7.2952% | 92 |
| Noninterest expense to average assets | 0.3081% | 8,231 |
| Loan and lease loss provision to assets | 3.5897% | 288 |
| Net operating income to assets | 14.2053% | 12 |
| Return on assets (ROA) | 14.2100% | 13 |
| Pretax return on assets | 22.5374% | 12 |
| Return on Equity (ROE) | 163.0129% | 7 |
| Retained earnings to average equity (ytd only) | 5.7522% | 2,752 |
| Net charge-offs to loans | 5.9439% | 162 |
| Credit loss provision to net charge-offs | 92.4578% | 3,956 |
| Earnings coverage of net charge-offs (x) | 6.7276% | 2,448 |
| Efficiency ratio | 1.1658% | 8,222 |
| Assets per employee ($millions) | 43.7970% | 42 |
| Cash dividends to net income (ytd only)* | 96.4713% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0665% | 104 |
| Loan loss allowance to noncurrent loans | 137.5130% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 2.3296% | 2,466 |
| Noncurrent loans to loans | 3.6844% | 1,699 |
| Net loans and leases to total assets | 60.0262% | 5,646 |
| Net loans and leases to deposits | 69.7440% | 6,002 |
| Net loans and leases to core deposits | 69.7440% | 7,034 |
| Total domestic deposits to total assets | 86.0665% | 2,675 |
| Equity capital to assets | 8.8598% | 5,542 |
| Core capital (leverage) ratio | 8.2696% | 5,963 |
| Tier 1 risk-based capital ratio | 11.5827% | 5,334 |
| Total risk-based capital ratio | 12.8698% | 5,191 |
| Memoranda: | ||
| Average total assets | $707,587,500 | 993 |
| Average earning assets | $651,713,000 | 986 |
| Average equity | $61,681,000 | 1,109 |
| Average total loans | $462,190,000 | 1,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.6628% | 5 |
| Cost of funding earning assets | 0.6898% | 8,152 |
| Net interest margin | 21.9730% | 5 |
| Noninterest income to average assets | 6.6339% | 100 |
| Noninterest expense to average assets | 0.3080% | 8,277 |
| Loan and lease loss provision to assets | 3.5767% | 219 |
| Net operating income to assets | 14.2625% | 14 |
| Return on assets (ROA) | 14.2768% | 15 |
| Pretax return on assets | 22.4704% | 14 |
| Return on Equity (ROE) | 171.0373% | 3 |
| Retained earnings to average equity (ytd only) | -45.9571% | 8,104 |
| Net charge-offs to loans | 5.5529% | 76 |
| Credit loss provision to net charge-offs | 98.2893% | 5,441 |
| Earnings coverage of net charge-offs (x) | 7.1517% | 3,176 |
| Efficiency ratio | 1.1696% | 8,289 |
| Assets per employee ($millions) | 44.6514% | 38 |
| Cash dividends to net income (ytd only)* | 126.8696% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7719% | 111 |
| Loan loss allowance to noncurrent loans | 125.5988% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 2.5595% | 1,886 |
| Noncurrent loans to loans | 3.7993% | 1,310 |
| Net loans and leases to total assets | 64.1537% | 5,240 |
| Net loans and leases to deposits | 73.4171% | 5,903 |
| Net loans and leases to core deposits | 73.4171% | 7,000 |
| Total domestic deposits to total assets | 87.3825% | 1,764 |
| Equity capital to assets | 8.5771% | 5,971 |
| Core capital (leverage) ratio | 7.9823% | 6,525 |
| Tier 1 risk-based capital ratio | 10.6497% | 6,047 |
| Total risk-based capital ratio | 11.9343% | 5,925 |
| Memoranda: | ||
| Average total assets | $701,986,800 | 956 |
| Average earning assets | $629,331,400 | 964 |
| Average equity | $58,596,000 | 1,143 |
| Average total loans | $460,033,200 | 1,053 |