Home > Green Bank > Performance and Condition Ratios
Green Bank, Performance and Condition Ratios
| 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 | 5.0921% | 860 |
| Cost of funding earning assets | 1.0182% | 708 |
| Net interest margin | 4.0739% | 1,761 |
| Noninterest income to average assets | 0.4035% | 3,420 |
| Noninterest expense to average assets | 1.9472% | 4,827 |
| Loan and lease loss provision to assets | 0.2944% | 548 |
| Net operating income to assets | 1.5875% | 902 |
| Return on assets (ROA) | 1.5842% | 903 |
| Pretax return on assets | 1.9866% | 578 |
| Return on Equity (ROE) | 13.4540% | 1,189 |
| Retained earnings to average equity (ytd only) | 9.8803% | 639 |
| Net charge-offs to loans | 0.2670% | 723 |
| Credit loss provision to net charge-offs | 145.9934% | 1,867 |
| Earnings coverage of net charge-offs (x) | 11.3306% | 2,632 |
| Efficiency ratio | 45.3551% | 5,136 |
| Assets per employee ($millions) | 12.3054% | 184 |
| Cash dividends to net income (ytd only)* | 26.5619% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 3,933 |
| Loan loss allowance to noncurrent loans | 55.6203% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 936 |
| Noncurrent loans to loans | 1.7178% | 840 |
| Net loans and leases to total assets | 76.7725% | 1,473 |
| Net loans and leases to deposits | 95.6018% | 1,109 |
| Net loans and leases to core deposits | 119.4319% | 564 |
| Total domestic deposits to total assets | 80.3044% | 4,039 |
| Equity capital to assets | 12.2653% | 1,718 |
| Core capital (leverage) ratio | 10.8323% | 2,694 |
| Tier 1 risk-based capital ratio | 12.2555% | 4,261 |
| Total risk-based capital ratio | 13.1243% | 4,396 |
| Memoranda: | ||
| Average total assets | $4,325,271,200 | 250 |
| Average earning assets | $4,065,087,600 | 243 |
| Average equity | $509,314,400 | 238 |
| Average total loans | $3,267,173,600 | 235 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 941 |
| Cost of funding earning assets | 0.9362% | 786 |
| Net interest margin | 4.0647% | 1,739 |
| Noninterest income to average assets | 0.4209% | 3,344 |
| Noninterest expense to average assets | 1.9541% | 4,819 |
| Loan and lease loss provision to assets | 0.3159% | 453 |
| Net operating income to assets | 1.5744% | 1,012 |
| Return on assets (ROA) | 1.5675% | 1,035 |
| Pretax return on assets | 1.9627% | 687 |
| Return on Equity (ROE) | 13.4542% | 1,283 |
| Retained earnings to average equity (ytd only) | 10.2762% | 830 |
| Net charge-offs to loans | 0.1461% | 1,130 |
| Credit loss provision to net charge-offs | 288.0892% | 1,054 |
| Earnings coverage of net charge-offs (x) | 20.8603% | 1,941 |
| Efficiency ratio | 45.4025% | 5,171 |
| Assets per employee ($millions) | 12.0641% | 194 |
| Cash dividends to net income (ytd only)* | 23.6209% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,504 |
| Loan loss allowance to noncurrent loans | 51.6242% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.6054% | 780 |
| Noncurrent loans to loans | 2.0219% | 719 |
| Net loans and leases to total assets | 75.7551% | 1,698 |
| Net loans and leases to deposits | 97.6071% | 985 |
| Net loans and leases to core deposits | 123.4520% | 479 |
| Total domestic deposits to total assets | 77.6122% | 4,547 |
| Equity capital to assets | 11.7759% | 2,051 |
| Core capital (leverage) ratio | 10.6941% | 2,888 |
| Tier 1 risk-based capital ratio | 11.9618% | 4,522 |
| Total risk-based capital ratio | 12.9007% | 4,595 |
| Memoranda: | ||
| Average total assets | $4,308,334,250 | 249 |
| Average earning assets | $4,049,478,500 | 242 |
| Average equity | $501,938,750 | 237 |
| Average total loans | $3,232,676,000 | 237 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 959 |
| Cost of funding earning assets | 0.8540% | 898 |
| Net interest margin | 4.0740% | 1,632 |
| Noninterest income to average assets | 0.4202% | 3,351 |
| Noninterest expense to average assets | 1.9872% | 4,821 |
| Loan and lease loss provision to assets | 0.4624% | 252 |
| Net operating income to assets | 1.4392% | 1,312 |
| Return on assets (ROA) | 1.4318% | 1,334 |
| Pretax return on assets | 1.7924% | 979 |
| Return on Equity (ROE) | 12.3355% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.4237% | 1,089 |
| Net charge-offs to loans | 0.2086% | 759 |
| Credit loss provision to net charge-offs | 297.5324% | 1,005 |
| Earnings coverage of net charge-offs (x) | 14.5682% | 2,089 |
| Efficiency ratio | 46.0601% | 5,207 |
| Assets per employee ($millions) | 11.7610% | 201 |
| Cash dividends to net income (ytd only)* | 23.6045% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,341 |
| Loan loss allowance to noncurrent loans | 61.5857% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 1,067 |
| Noncurrent loans to loans | 1.7654% | 892 |
| Net loans and leases to total assets | 72.9585% | 2,124 |
| Net loans and leases to deposits | 93.0302% | 1,470 |
| Net loans and leases to core deposits | 115.5028% | 724 |
| Total domestic deposits to total assets | 78.4245% | 4,520 |
| Equity capital to assets | 11.5340% | 2,176 |
| Core capital (leverage) ratio | 10.5618% | 2,969 |
| Tier 1 risk-based capital ratio | 11.9729% | 4,517 |
| Total risk-based capital ratio | 12.9544% | 4,560 |
| Memoranda: | ||
| Average total assets | $4,276,647,330 | 247 |
| Average earning assets | $4,021,527,670 | 239 |
| Average equity | $496,405,670 | 236 |
| Average total loans | $3,186,574,330 | 235 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 1,034 |
| Cost of funding earning assets | 0.7869% | 1,009 |
| Net interest margin | 4.0330% | 1,615 |
| Noninterest income to average assets | 0.4297% | 3,246 |
| Noninterest expense to average assets | 1.9876% | 4,875 |
| Loan and lease loss provision to assets | 0.7572% | 121 |
| Net operating income to assets | 1.1886% | 2,059 |
| Return on assets (ROA) | 1.1751% | 2,124 |
| Pretax return on assets | 1.4632% | 1,794 |
| Return on Equity (ROE) | 10.0907% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.2781% | 1,369 |
| Net charge-offs to loans | -0.0062% | 4,081 |
| Credit loss provision to net charge-offs | -16,332.6531% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3371% | 5,257 |
| Assets per employee ($millions) | 11.4764% | 216 |
| Cash dividends to net income (ytd only)* | 8.0522% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,009 |
| Loan loss allowance to noncurrent loans | 52.9890% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 794 |
| Noncurrent loans to loans | 2.1976% | 685 |
| Net loans and leases to total assets | 73.7013% | 1,910 |
| Net loans and leases to deposits | 89.8009% | 1,713 |
| Net loans and leases to core deposits | 108.9985% | 1,064 |
| Total domestic deposits to total assets | 82.0718% | 3,939 |
| Equity capital to assets | 11.7587% | 1,942 |
| Core capital (leverage) ratio | 10.3859% | 3,074 |
| Tier 1 risk-based capital ratio | 11.9674% | 4,565 |
| Total risk-based capital ratio | 13.0105% | 4,586 |
| Memoranda: | ||
| Average total assets | $4,227,416,000 | 247 |
| Average earning assets | $3,978,187,500 | 239 |
| Average equity | $492,296,500 | 243 |
| Average total loans | $3,166,311,500 | 236 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,602 |
| Cost of funding earning assets | 0.6974% | 1,038 |
| Net interest margin | 3.8372% | 2,294 |
| Noninterest income to average assets | 0.3711% | 3,815 |
| Noninterest expense to average assets | 1.9613% | 5,022 |
| Loan and lease loss provision to assets | 0.0931% | 2,342 |
| Net operating income to assets | 1.1066% | 1,836 |
| Return on assets (ROA) | 1.1060% | 1,858 |
| Pretax return on assets | 1.9307% | 570 |
| Return on Equity (ROE) | 9.8914% | 1,936 |
| Retained earnings to average equity (ytd only) | 9.8914% | 364 |
| Net charge-offs to loans | 0.0538% | 2,730 |
| Credit loss provision to net charge-offs | 229.5318% | 1,208 |
| Earnings coverage of net charge-offs (x) | 49.9166% | 1,085 |
| Efficiency ratio | 48.3053% | 5,299 |
| Assets per employee ($millions) | 11.5299% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 4,504 |
| Loan loss allowance to noncurrent loans | 52.5103% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 1,116 |
| Noncurrent loans to loans | 1.7017% | 960 |
| Net loans and leases to total assets | 74.5547% | 1,826 |
| Net loans and leases to deposits | 93.0211% | 1,387 |
| Net loans and leases to core deposits | 108.6368% | 1,089 |
| Total domestic deposits to total assets | 80.1481% | 4,312 |
| Equity capital to assets | 11.5328% | 2,177 |
| Core capital (leverage) ratio | 10.1111% | 3,300 |
| Tier 1 risk-based capital ratio | 11.5973% | 4,792 |
| Total risk-based capital ratio | 12.3971% | 4,946 |
| Memoranda: | ||
| Average total assets | $4,107,317,400 | 245 |
| Average earning assets | $3,869,409,000 | 238 |
| Average equity | $459,259,400 | 239 |
| Average total loans | $3,095,959,400 | 234 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 1,632 |
| Cost of funding earning assets | 0.6825% | 1,061 |
| Net interest margin | 3.8200% | 2,318 |
| Noninterest income to average assets | 0.3899% | 3,756 |
| Noninterest expense to average assets | 1.9011% | 5,131 |
| Loan and lease loss provision to assets | 0.0693% | 2,690 |
| Net operating income to assets | 1.3215% | 1,268 |
| Return on assets (ROA) | 1.3207% | 1,302 |
| Pretax return on assets | 2.0172% | 529 |
| Return on Equity (ROE) | 11.9092% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.9092% | 302 |
| Net charge-offs to loans | 0.0500% | 2,427 |
| Credit loss provision to net charge-offs | 183.6947% | 1,442 |
| Earnings coverage of net charge-offs (x) | 55.3202% | 1,047 |
| Efficiency ratio | 46.7251% | 5,396 |
| Assets per employee ($millions) | 11.4308% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 4,614 |
| Loan loss allowance to noncurrent loans | 42.3154% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 944 |
| Noncurrent loans to loans | 2.0987% | 789 |
| Net loans and leases to total assets | 73.7078% | 1,964 |
| Net loans and leases to deposits | 89.4127% | 1,883 |
| Net loans and leases to core deposits | 106.4704% | 1,241 |
| Total domestic deposits to total assets | 82.4355% | 3,650 |
| Equity capital to assets | 11.7549% | 2,151 |
| Core capital (leverage) ratio | 10.1280% | 3,409 |
| Tier 1 risk-based capital ratio | 11.7698% | 4,791 |
| Total risk-based capital ratio | 12.5622% | 4,957 |
| Memoranda: | ||
| Average total assets | $4,073,395,500 | 247 |
| Average earning assets | $3,837,740,500 | 241 |
| Average equity | $451,740,250 | 243 |
| Average total loans | $3,071,979,250 | 238 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 1,757 |
| Cost of funding earning assets | 0.6525% | 1,128 |
| Net interest margin | 3.7665% | 2,422 |
| Noninterest income to average assets | 0.4454% | 3,383 |
| Noninterest expense to average assets | 1.9152% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3554% | 1,162 |
| Return on assets (ROA) | 1.3648% | 1,171 |
| Pretax return on assets | 2.0897% | 456 |
| Return on Equity (ROE) | 12.5629% | 1,151 |
| Retained earnings to average equity (ytd only) | 12.5629% | 276 |
| Net charge-offs to loans | 0.0496% | 2,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 55.2470% | 1,003 |
| Efficiency ratio | 47.0542% | 5,431 |
| Assets per employee ($millions) | 11.3413% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,890 |
| Loan loss allowance to noncurrent loans | 50.8198% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 1,369 |
| Noncurrent loans to loans | 1.6161% | 1,140 |
| Net loans and leases to total assets | 74.4823% | 1,779 |
| Net loans and leases to deposits | 91.9345% | 1,501 |
| Net loans and leases to core deposits | 109.2674% | 1,038 |
| Total domestic deposits to total assets | 81.0168% | 4,179 |
| Equity capital to assets | 11.1576% | 2,648 |
| Core capital (leverage) ratio | 9.6329% | 3,982 |
| Tier 1 risk-based capital ratio | 10.9317% | 5,289 |
| Total risk-based capital ratio | 11.6736% | 5,418 |
| Memoranda: | ||
| Average total assets | $4,051,881,000 | 250 |
| Average earning assets | $3,813,570,330 | 242 |
| Average equity | $440,184,000 | 247 |
| Average total loans | $3,070,202,000 | 237 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,001 |
| Cost of funding earning assets | 0.6235% | 1,222 |
| Net interest margin | 3.6604% | 2,652 |
| Noninterest income to average assets | 0.4664% | 3,212 |
| Noninterest expense to average assets | 1.9989% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2474% | 1,383 |
| Return on assets (ROA) | 1.2474% | 1,418 |
| Pretax return on assets | 1.9099% | 613 |
| Return on Equity (ROE) | 11.6453% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.6453% | 509 |
| Net charge-offs to loans | -0.0738% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1675% | 5,367 |
| Assets per employee ($millions) | 11.0731% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,768 |
| Loan loss allowance to noncurrent loans | 47.1790% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 1,135 |
| Noncurrent loans to loans | 1.8999% | 952 |
| Net loans and leases to total assets | 73.8597% | 1,766 |
| Net loans and leases to deposits | 86.8744% | 1,927 |
| Net loans and leases to core deposits | 99.8877% | 1,509 |
| Total domestic deposits to total assets | 85.0189% | 3,083 |
| Equity capital to assets | 10.7827% | 2,874 |
| Core capital (leverage) ratio | 9.1369% | 4,560 |
| Tier 1 risk-based capital ratio | 10.4151% | 5,579 |
| Total risk-based capital ratio | 11.2362% | 5,671 |
| Memoranda: | ||
| Average total assets | $4,002,361,000 | 255 |
| Average earning assets | $3,763,909,500 | 246 |
| Average equity | $428,704,000 | 256 |
| Average total loans | $3,046,650,000 | 237 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 1,861 |
| Cost of funding earning assets | 0.5746% | 1,518 |
| Net interest margin | 3.8121% | 2,271 |
| Noninterest income to average assets | 0.2930% | 4,644 |
| Noninterest expense to average assets | 2.1304% | 4,937 |
| Loan and lease loss provision to assets | 1.6765% | 52 |
| Net operating income to assets | 0.0409% | 5,613 |
| Return on assets (ROA) | 0.0409% | 5,641 |
| Pretax return on assets | 0.0506% | 5,630 |
| Return on Equity (ROE) | 0.3723% | 5,633 |
| Retained earnings to average equity (ytd only) | 0.3723% | 5,169 |
| Net charge-offs to loans | 2.2744% | 59 |
| Credit loss provision to net charge-offs | 90.7650% | 2,784 |
| Earnings coverage of net charge-offs (x) | 0.9350% | 4,062 |
| Efficiency ratio | 54.1607% | 5,230 |
| Assets per employee ($millions) | 10.6831% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 4,951 |
| Loan loss allowance to noncurrent loans | 45.2609% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 1,004 |
| Noncurrent loans to loans | 1.8855% | 985 |
| Net loans and leases to total assets | 77.0742% | 1,351 |
| Net loans and leases to deposits | 90.6249% | 1,619 |
| Net loans and leases to core deposits | 108.9440% | 965 |
| Total domestic deposits to total assets | 85.0475% | 3,023 |
| Equity capital to assets | 10.6389% | 2,991 |
| Core capital (leverage) ratio | 8.8914% | 4,866 |
| Tier 1 risk-based capital ratio | 9.9781% | 5,744 |
| Total risk-based capital ratio | 10.7722% | 5,803 |
| Memoranda: | ||
| Average total assets | $3,859,169,400 | 244 |
| Average earning assets | $3,608,508,400 | 239 |
| Average equity | $423,566,000 | 245 |
| Average total loans | $3,134,173,200 | 226 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 1,710 |
| Cost of funding earning assets | 0.5610% | 1,604 |
| Net interest margin | 3.8854% | 2,028 |
| Noninterest income to average assets | 0.3451% | 4,314 |
| Noninterest expense to average assets | 2.1531% | 4,889 |
| Loan and lease loss provision to assets | 1.9214% | 42 |
| Net operating income to assets | -0.0583% | 5,747 |
| Return on assets (ROA) | -0.0583% | 5,761 |
| Pretax return on assets | -0.1018% | 5,772 |
| Return on Equity (ROE) | -0.5267% | 5,760 |
| Retained earnings to average equity (ytd only) | -0.5267% | 5,440 |
| Net charge-offs to loans | 2.2142% | 57 |
| Credit loss provision to net charge-offs | 105.6742% | 2,273 |
| Earnings coverage of net charge-offs (x) | 1.0007% | 3,740 |
| Efficiency ratio | 53.1420% | 5,298 |
| Assets per employee ($millions) | 10.5450% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,462 |
| Loan loss allowance to noncurrent loans | 31.8645% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.9523% | 397 |
| Noncurrent loans to loans | 3.6513% | 336 |
| Net loans and leases to total assets | 77.9777% | 1,200 |
| Net loans and leases to deposits | 91.9153% | 1,510 |
| Net loans and leases to core deposits | 111.4564% | 837 |
| Total domestic deposits to total assets | 84.8365% | 2,878 |
| Equity capital to assets | 10.7562% | 3,302 |
| Core capital (leverage) ratio | 8.9661% | 4,863 |
| Tier 1 risk-based capital ratio | 9.6597% | 5,860 |
| Total risk-based capital ratio | 10.7135% | 5,872 |
| Memoranda: | ||
| Average total assets | $3,830,430,500 | 245 |
| Average earning assets | $3,576,299,500 | 238 |
| Average equity | $423,757,000 | 247 |
| Average total loans | $3,145,369,250 | 221 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 1,653 |
| Cost of funding earning assets | 0.5373% | 1,800 |
| Net interest margin | 3.9182% | 1,920 |
| Noninterest income to average assets | 0.3688% | 4,111 |
| Noninterest expense to average assets | 2.0745% | 5,111 |
| Loan and lease loss provision to assets | 1.4199% | 66 |
| Net operating income to assets | 0.3525% | 5,173 |
| Return on assets (ROA) | 0.3525% | 5,259 |
| Pretax return on assets | 0.5321% | 5,067 |
| Return on Equity (ROE) | 3.1567% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.1567% | 3,893 |
| Net charge-offs to loans | 0.7916% | 256 |
| Credit loss provision to net charge-offs | 215.5344% | 1,239 |
| Earnings coverage of net charge-offs (x) | 2.9631% | 3,191 |
| Efficiency ratio | 50.4728% | 5,534 |
| Assets per employee ($millions) | 10.6104% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,924 |
| Loan loss allowance to noncurrent loans | 40.5892% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 3.2303% | 362 |
| Noncurrent loans to loans | 3.6558% | 356 |
| Net loans and leases to total assets | 82.6502% | 557 |
| Net loans and leases to deposits | 98.0890% | 883 |
| Net loans and leases to core deposits | 121.3123% | 482 |
| Total domestic deposits to total assets | 84.2605% | 3,170 |
| Equity capital to assets | 11.2603% | 2,791 |
| Core capital (leverage) ratio | 9.4007% | 4,337 |
| Tier 1 risk-based capital ratio | 9.6372% | 5,926 |
| Total risk-based capital ratio | 10.8882% | 5,901 |
| Memoranda: | ||
| Average total assets | $3,803,175,330 | 247 |
| Average earning assets | $3,550,297,000 | 239 |
| Average equity | $424,742,000 | 246 |
| Average total loans | $3,164,975,000 | 218 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,683 |
| Cost of funding earning assets | 0.4804% | 2,274 |
| Net interest margin | 3.9598% | 1,742 |
| Noninterest income to average assets | 0.3847% | 3,949 |
| Noninterest expense to average assets | 2.0090% | 5,314 |
| Loan and lease loss provision to assets | 1.6841% | 49 |
| Net operating income to assets | 0.2580% | 5,417 |
| Return on assets (ROA) | 0.2580% | 5,484 |
| Pretax return on assets | 0.3868% | 5,335 |
| Return on Equity (ROE) | 2.3196% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.3196% | 4,323 |
| Net charge-offs to loans | 1.1726% | 155 |
| Credit loss provision to net charge-offs | 173.2915% | 1,181 |
| Earnings coverage of net charge-offs (x) | 2.1309% | 2,726 |
| Efficiency ratio | 48.2031% | 5,715 |
| Assets per employee ($millions) | 10.8555% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,157 |
| Loan loss allowance to noncurrent loans | 39.3902% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.8719% | 457 |
| Noncurrent loans to loans | 3.1823% | 478 |
| Net loans and leases to total assets | 81.6410% | 612 |
| Net loans and leases to deposits | 102.2254% | 497 |
| Net loans and leases to core deposits | 127.1802% | 318 |
| Total domestic deposits to total assets | 79.8637% | 4,773 |
| Equity capital to assets | 11.0736% | 2,857 |
| Core capital (leverage) ratio | 9.3697% | 4,399 |
| Tier 1 risk-based capital ratio | 9.5213% | 6,004 |
| Total risk-based capital ratio | 10.6287% | 6,006 |
| Memoranda: | ||
| Average total assets | $3,800,189,500 | 245 |
| Average earning assets | $3,546,264,000 | 238 |
| Average equity | $422,652,500 | 245 |
| Average total loans | $3,149,618,000 | 217 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 1,571 |
| Cost of funding earning assets | 0.4361% | 2,771 |
| Net interest margin | 4.0707% | 1,485 |
| Noninterest income to average assets | 0.3665% | 4,286 |
| Noninterest expense to average assets | 2.4429% | 4,403 |
| Loan and lease loss provision to assets | 0.6864% | 148 |
| Net operating income to assets | 0.6725% | 3,939 |
| Return on assets (ROA) | 0.6914% | 3,965 |
| Pretax return on assets | 1.1117% | 2,991 |
| Return on Equity (ROE) | 5.7354% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7354% | 1,935 |
| Net charge-offs to loans | 0.0246% | 3,754 |
| Credit loss provision to net charge-offs | 3,422.2222% | 112 |
| Earnings coverage of net charge-offs (x) | 88.1705% | 642 |
| Efficiency ratio | 57.2344% | 5,231 |
| Assets per employee ($millions) | 10.6753% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 4,297 |
| Loan loss allowance to noncurrent loans | 40.7457% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.4674% | 630 |
| Noncurrent loans to loans | 2.5825% | 694 |
| Net loans and leases to total assets | 82.2129% | 577 |
| Net loans and leases to deposits | 99.7732% | 686 |
| Net loans and leases to core deposits | 116.8683% | 576 |
| Total domestic deposits to total assets | 82.3998% | 4,050 |
| Equity capital to assets | 11.1710% | 2,657 |
| Core capital (leverage) ratio | 9.3586% | 4,386 |
| Tier 1 risk-based capital ratio | 9.7111% | 6,018 |
| Total risk-based capital ratio | 10.6521% | 6,045 |
| Memoranda: | ||
| Average total assets | $2,602,528,600 | 310 |
| Average earning assets | $2,458,196,000 | 295 |
| Average equity | $313,752,600 | 292 |
| Average total loans | $2,124,212,600 | 271 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,144 |
| Cost of funding earning assets | 0.4229% | 2,980 |
| Net interest margin | 3.9052% | 2,015 |
| Noninterest income to average assets | 0.3684% | 4,292 |
| Noninterest expense to average assets | 2.4470% | 4,363 |
| Loan and lease loss provision to assets | 0.3095% | 459 |
| Net operating income to assets | 0.8431% | 3,202 |
| Return on assets (ROA) | 0.8431% | 3,289 |
| Pretax return on assets | 1.3177% | 2,325 |
| Return on Equity (ROE) | 6.7899% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.7899% | 1,795 |
| Net charge-offs to loans | 0.0174% | 3,600 |
| Credit loss provision to net charge-offs | 2,189.3878% | 173 |
| Earnings coverage of net charge-offs (x) | 115.1219% | 554 |
| Efficiency ratio | 59.4316% | 4,951 |
| Assets per employee ($millions) | 9.0573% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 4,498 |
| Loan loss allowance to noncurrent loans | 66.6838% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 1,709 |
| Noncurrent loans to loans | 1.5676% | 1,592 |
| Net loans and leases to total assets | 81.4258% | 652 |
| Net loans and leases to deposits | 100.8908% | 616 |
| Net loans and leases to core deposits | 113.2037% | 698 |
| Total domestic deposits to total assets | 80.7069% | 4,546 |
| Equity capital to assets | 12.2264% | 1,929 |
| Core capital (leverage) ratio | 11.0984% | 2,391 |
| Tier 1 risk-based capital ratio | 11.8163% | 5,190 |
| Total risk-based capital ratio | 12.7616% | 5,290 |
| Memoranda: | ||
| Average total assets | $2,311,062,250 | 345 |
| Average earning assets | $2,193,036,000 | 332 |
| Average equity | $286,949,250 | 317 |
| Average total loans | $1,872,502,500 | 302 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 2,033 |
| Cost of funding earning assets | 0.4181% | 3,058 |
| Net interest margin | 3.9248% | 1,894 |
| Noninterest income to average assets | 0.3704% | 4,293 |
| Noninterest expense to average assets | 2.5271% | 4,146 |
| Loan and lease loss provision to assets | 0.2028% | 963 |
| Net operating income to assets | 0.8794% | 2,991 |
| Return on assets (ROA) | 0.8794% | 3,101 |
| Pretax return on assets | 1.3640% | 2,132 |
| Return on Equity (ROE) | 7.0447% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.0447% | 1,686 |
| Net charge-offs to loans | -0.0411% | 5,460 |
| Credit loss provision to net charge-offs | -612.7321% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0944% | 4,814 |
| Assets per employee ($millions) | 9.0276% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 5,030 |
| Loan loss allowance to noncurrent loans | 204.3571% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 3,744 |
| Noncurrent loans to loans | 0.4721% | 4,061 |
| Net loans and leases to total assets | 78.1951% | 1,045 |
| Net loans and leases to deposits | 92.6326% | 1,299 |
| Net loans and leases to core deposits | 103.6157% | 1,215 |
| Total domestic deposits to total assets | 84.4143% | 3,393 |
| Equity capital to assets | 12.0574% | 1,978 |
| Core capital (leverage) ratio | 11.4876% | 1,999 |
| Tier 1 risk-based capital ratio | 12.0836% | 5,085 |
| Total risk-based capital ratio | 12.9543% | 5,250 |
| Memoranda: | ||
| Average total assets | $2,278,334,000 | 347 |
| Average earning assets | $2,161,480,000 | 336 |
| Average equity | $284,411,000 | 321 |
| Average total loans | $1,835,846,000 | 304 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,801 |
| Cost of funding earning assets | 0.4166% | 3,119 |
| Net interest margin | 3.9741% | 1,645 |
| Noninterest income to average assets | 0.3248% | 4,588 |
| Noninterest expense to average assets | 2.3888% | 4,630 |
| Loan and lease loss provision to assets | 0.2716% | 574 |
| Net operating income to assets | 0.9170% | 2,669 |
| Return on assets (ROA) | 0.9170% | 2,788 |
| Pretax return on assets | 1.4274% | 1,787 |
| Return on Equity (ROE) | 7.2124% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.2124% | 1,914 |
| Net charge-offs to loans | -0.0957% | 5,838 |
| Credit loss provision to net charge-offs | -348.3796% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7842% | 5,361 |
| Assets per employee ($millions) | 8.4066% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 5,176 |
| Loan loss allowance to noncurrent loans | 162.9540% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 3,402 |
| Noncurrent loans to loans | 0.5942% | 3,797 |
| Net loans and leases to total assets | 79.9367% | 692 |
| Net loans and leases to deposits | 92.8154% | 1,107 |
| Net loans and leases to core deposits | 104.1902% | 1,055 |
| Total domestic deposits to total assets | 86.1244% | 2,873 |
| Equity capital to assets | 12.6859% | 1,577 |
| Core capital (leverage) ratio | 11.5852% | 1,940 |
| Tier 1 risk-based capital ratio | 12.5422% | 4,880 |
| Total risk-based capital ratio | 13.4306% | 5,031 |
| Memoranda: | ||
| Average total assets | $2,216,827,000 | 355 |
| Average earning assets | $2,099,079,500 | 342 |
| Average equity | $281,847,000 | 324 |
| Average total loans | $1,805,754,500 | 305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 1,580 |
| Cost of funding earning assets | 0.5319% | 2,371 |
| Net interest margin | 4.0601% | 1,705 |
| Noninterest income to average assets | 0.3660% | 4,470 |
| Noninterest expense to average assets | 2.7631% | 3,621 |
| Loan and lease loss provision to assets | 0.1447% | 1,831 |
| Net operating income to assets | 0.8571% | 3,080 |
| Return on assets (ROA) | 0.8571% | 3,180 |
| Pretax return on assets | 1.3242% | 2,161 |
| Return on Equity (ROE) | 6.9332% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.9332% | 1,437 |
| Net charge-offs to loans | 0.2299% | 1,826 |
| Credit loss provision to net charge-offs | 78.0806% | 2,904 |
| Earnings coverage of net charge-offs (x) | 7.9284% | 2,956 |
| Efficiency ratio | 64.9049% | 4,420 |
| Assets per employee ($millions) | 8.0481% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 5,578 |
| Loan loss allowance to noncurrent loans | 178.5878% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 3,722 |
| Noncurrent loans to loans | 0.4855% | 4,208 |
| Net loans and leases to total assets | 81.5011% | 577 |
| Net loans and leases to deposits | 96.5196% | 867 |
| Net loans and leases to core deposits | 107.2884% | 941 |
| Total domestic deposits to total assets | 84.4399% | 3,541 |
| Equity capital to assets | 12.7428% | 1,507 |
| Core capital (leverage) ratio | 11.7399% | 1,803 |
| Tier 1 risk-based capital ratio | 12.7769% | 4,871 |
| Total risk-based capital ratio | 13.5976% | 5,041 |
| Memoranda: | ||
| Average total assets | $1,861,584,200 | 393 |
| Average earning assets | $1,772,594,800 | 376 |
| Average equity | $230,138,000 | 358 |
| Average total loans | $1,500,423,600 | 332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,604 |
| Cost of funding earning assets | 0.5616% | 2,180 |
| Net interest margin | 4.0225% | 1,815 |
| Noninterest income to average assets | 0.3707% | 4,459 |
| Noninterest expense to average assets | 2.5459% | 4,379 |
| Loan and lease loss provision to assets | 0.1081% | 2,234 |
| Net operating income to assets | 1.0073% | 2,421 |
| Return on assets (ROA) | 1.0073% | 2,486 |
| Pretax return on assets | 1.5550% | 1,466 |
| Return on Equity (ROE) | 8.2261% | 3,084 |
| Retained earnings to average equity (ytd only) | 8.2261% | 1,254 |
| Net charge-offs to loans | 0.2377% | 1,618 |
| Credit loss provision to net charge-offs | 56.7663% | 2,997 |
| Earnings coverage of net charge-offs (x) | 8.7333% | 2,753 |
| Efficiency ratio | 60.1588% | 5,158 |
| Assets per employee ($millions) | 8.5391% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 5,148 |
| Loan loss allowance to noncurrent loans | 314.6804% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 4,322 |
| Noncurrent loans to loans | 0.3223% | 4,943 |
| Net loans and leases to total assets | 79.6627% | 748 |
| Net loans and leases to deposits | 94.2730% | 1,015 |
| Net loans and leases to core deposits | 105.9459% | 963 |
| Total domestic deposits to total assets | 84.5021% | 3,549 |
| Equity capital to assets | 14.7661% | 781 |
| Core capital (leverage) ratio | 14.2505% | 784 |
| Tier 1 risk-based capital ratio | 15.3731% | 3,388 |
| Total risk-based capital ratio | 16.2925% | 3,494 |
| Memoranda: | ||
| Average total assets | $1,779,710,500 | 403 |
| Average earning assets | $1,698,247,250 | 382 |
| Average equity | $217,935,250 | 374 |
| Average total loans | $1,425,597,500 | 339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,589 |
| Cost of funding earning assets | 0.5816% | 2,061 |
| Net interest margin | 3.9971% | 1,812 |
| Noninterest income to average assets | 0.3334% | 4,756 |
| Noninterest expense to average assets | 2.4875% | 4,617 |
| Loan and lease loss provision to assets | 0.1398% | 1,773 |
| Net operating income to assets | 0.9815% | 2,399 |
| Return on assets (ROA) | 0.9815% | 2,477 |
| Pretax return on assets | 1.5157% | 1,490 |
| Return on Equity (ROE) | 8.6493% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.6493% | 1,097 |
| Net charge-offs to loans | 0.2686% | 1,474 |
| Credit loss provision to net charge-offs | 65.0878% | 2,557 |
| Earnings coverage of net charge-offs (x) | 7.7073% | 2,591 |
| Efficiency ratio | 59.7026% | 5,335 |
| Assets per employee ($millions) | 8.3481% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 4,936 |
| Loan loss allowance to noncurrent loans | 160.5500% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 3,532 |
| Noncurrent loans to loans | 0.6823% | 4,009 |
| Net loans and leases to total assets | 78.6387% | 836 |
| Net loans and leases to deposits | 92.3909% | 1,108 |
| Net loans and leases to core deposits | 104.5698% | 982 |
| Total domestic deposits to total assets | 85.1152% | 3,448 |
| Equity capital to assets | 11.2933% | 2,616 |
| Core capital (leverage) ratio | 10.1464% | 3,419 |
| Tier 1 risk-based capital ratio | 11.3020% | 5,904 |
| Total risk-based capital ratio | 12.3089% | 5,967 |
| Memoranda: | ||
| Average total assets | $1,749,595,670 | 407 |
| Average earning assets | $1,667,504,000 | 389 |
| Average equity | $198,535,330 | 401 |
| Average total loans | $1,399,130,670 | 338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,678 |
| Cost of funding earning assets | 0.5927% | 2,040 |
| Net interest margin | 3.9472% | 1,937 |
| Noninterest income to average assets | 0.2651% | 5,243 |
| Noninterest expense to average assets | 2.4346% | 4,829 |
| Loan and lease loss provision to assets | 0.2840% | 710 |
| Net operating income to assets | 0.8451% | 2,928 |
| Return on assets (ROA) | 0.8451% | 3,005 |
| Pretax return on assets | 1.3058% | 2,070 |
| Return on Equity (ROE) | 7.4292% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.4292% | 1,850 |
| Net charge-offs to loans | 0.7135% | 495 |
| Credit loss provision to net charge-offs | 49.6146% | 2,214 |
| Earnings coverage of net charge-offs (x) | 2.7777% | 2,800 |
| Efficiency ratio | 60.1454% | 5,386 |
| Assets per employee ($millions) | 8.0512% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,222 |
| Loan loss allowance to noncurrent loans | 171.6313% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 3,516 |
| Noncurrent loans to loans | 0.6273% | 4,299 |
| Net loans and leases to total assets | 79.5114% | 603 |
| Net loans and leases to deposits | 93.4205% | 840 |
| Net loans and leases to core deposits | 104.4371% | 829 |
| Total domestic deposits to total assets | 85.1113% | 3,816 |
| Equity capital to assets | 11.3452% | 2,381 |
| Core capital (leverage) ratio | 10.1664% | 3,329 |
| Tier 1 risk-based capital ratio | 11.2703% | 6,033 |
| Total risk-based capital ratio | 12.2674% | 6,100 |
| Memoranda: | ||
| Average total assets | $1,722,804,000 | 409 |
| Average earning assets | $1,640,756,000 | 392 |
| Average equity | $195,984,000 | 404 |
| Average total loans | $1,381,845,000 | 343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,837 |
| Cost of funding earning assets | 0.7105% | 1,738 |
| Net interest margin | 3.6219% | 3,369 |
| Noninterest income to average assets | 0.2835% | 5,327 |
| Noninterest expense to average assets | 2.3952% | 5,083 |
| Loan and lease loss provision to assets | 0.1408% | 2,547 |
| Net operating income to assets | 0.7869% | 3,358 |
| Return on assets (ROA) | 0.7866% | 3,466 |
| Pretax return on assets | 1.2011% | 2,579 |
| Return on Equity (ROE) | 7.0601% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.0601% | 1,412 |
| Net charge-offs to loans | 0.0129% | 5,198 |
| Credit loss provision to net charge-offs | 1,455.8282% | 171 |
| Earnings coverage of net charge-offs (x) | 138.7546% | 333 |
| Efficiency ratio | 63.6940% | 4,958 |
| Assets per employee ($millions) | 7.9369% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,641 |
| Loan loss allowance to noncurrent loans | 128.4122% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 3,107 |
| Noncurrent loans to loans | 0.9372% | 3,644 |
| Net loans and leases to total assets | 79.0733% | 704 |
| Net loans and leases to deposits | 92.7382% | 984 |
| Net loans and leases to core deposits | 104.1301% | 900 |
| Total domestic deposits to total assets | 85.2651% | 3,614 |
| Equity capital to assets | 11.4075% | 2,233 |
| Core capital (leverage) ratio | 10.0481% | 3,496 |
| Tier 1 risk-based capital ratio | 11.0746% | 6,133 |
| Total risk-based capital ratio | 12.1631% | 6,160 |
| Memoranda: | ||
| Average total assets | $1,684,873,400 | 412 |
| Average earning assets | $1,606,785,200 | 392 |
| Average equity | $187,718,000 | 409 |
| Average total loans | $1,262,667,400 | 355 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 3,160 |
| Cost of funding earning assets | 0.7239% | 1,781 |
| Net interest margin | 3.5344% | 3,736 |
| Noninterest income to average assets | 0.3022% | 5,278 |
| Noninterest expense to average assets | 2.3513% | 5,175 |
| Loan and lease loss provision to assets | 0.0893% | 3,273 |
| Net operating income to assets | 0.7938% | 3,383 |
| Return on assets (ROA) | 0.7938% | 3,513 |
| Pretax return on assets | 1.2325% | 2,572 |
| Return on Equity (ROE) | 7.1681% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.1681% | 1,801 |
| Net charge-offs to loans | 0.0434% | 4,290 |
| Credit loss provision to net charge-offs | 279.4045% | 916 |
| Earnings coverage of net charge-offs (x) | 41.3648% | 982 |
| Efficiency ratio | 63.6163% | 4,863 |
| Assets per employee ($millions) | 7.8371% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,014 |
| Loan loss allowance to noncurrent loans | 94.7811% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 2,976 |
| Noncurrent loans to loans | 1.2351% | 3,341 |
| Net loans and leases to total assets | 74.1772% | 1,266 |
| Net loans and leases to deposits | 84.5955% | 1,797 |
| Net loans and leases to core deposits | 94.8640% | 1,491 |
| Total domestic deposits to total assets | 87.6847% | 2,304 |
| Equity capital to assets | 11.2783% | 2,490 |
| Core capital (leverage) ratio | 9.9945% | 3,687 |
| Tier 1 risk-based capital ratio | 11.9749% | 5,794 |
| Total risk-based capital ratio | 13.0468% | 5,859 |
| Memoranda: | ||
| Average total assets | $1,681,468,750 | 414 |
| Average earning assets | $1,603,696,500 | 394 |
| Average equity | $186,208,750 | 412 |
| Average total loans | $1,238,480,500 | 358 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 3,262 |
| Cost of funding earning assets | 0.7317% | 1,825 |
| Net interest margin | 3.4930% | 3,809 |
| Noninterest income to average assets | 0.2753% | 5,480 |
| Noninterest expense to average assets | 2.3186% | 5,305 |
| Loan and lease loss provision to assets | 0.1344% | 2,645 |
| Net operating income to assets | 0.7485% | 3,578 |
| Return on assets (ROA) | 0.7485% | 3,726 |
| Pretax return on assets | 1.1544% | 2,867 |
| Return on Equity (ROE) | 6.8014% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.8014% | 1,983 |
| Net charge-offs to loans | 0.1201% | 3,161 |
| Credit loss provision to net charge-offs | 152.9172% | 1,511 |
| Earnings coverage of net charge-offs (x) | 14.6689% | 1,808 |
| Efficiency ratio | 63.8665% | 4,886 |
| Assets per employee ($millions) | 8.0631% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,225 |
| Loan loss allowance to noncurrent loans | 106.3561% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 3,270 |
| Noncurrent loans to loans | 1.0842% | 3,764 |
| Net loans and leases to total assets | 73.6145% | 1,311 |
| Net loans and leases to deposits | 83.9345% | 1,808 |
| Net loans and leases to core deposits | 93.8125% | 1,532 |
| Total domestic deposits to total assets | 87.7047% | 2,440 |
| Equity capital to assets | 11.0180% | 2,733 |
| Core capital (leverage) ratio | 9.7160% | 3,911 |
| Tier 1 risk-based capital ratio | 11.7909% | 5,921 |
| Total risk-based capital ratio | 12.8489% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,677,686,000 | 413 |
| Average earning assets | $1,600,412,000 | 391 |
| Average equity | $184,638,000 | 413 |
| Average total loans | $1,227,787,670 | 360 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,498 |
| Cost of funding earning assets | 0.7425% | 1,905 |
| Net interest margin | 3.4112% | 4,080 |
| Noninterest income to average assets | 0.2300% | 5,815 |
| Noninterest expense to average assets | 2.2545% | 5,558 |
| Loan and lease loss provision to assets | 0.1871% | 1,968 |
| Net operating income to assets | 0.6695% | 3,849 |
| Return on assets (ROA) | 0.6695% | 4,005 |
| Pretax return on assets | 1.0401% | 3,188 |
| Return on Equity (ROE) | 6.0868% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.0868% | 2,632 |
| Net charge-offs to loans | -0.1489% | 6,602 |
| Credit loss provision to net charge-offs | -173.1707% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3344% | 4,954 |
| Assets per employee ($millions) | 8.3098% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 4,877 |
| Loan loss allowance to noncurrent loans | 78.6372% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.4940% | 3,016 |
| Noncurrent loans to loans | 1.6065% | 3,133 |
| Net loans and leases to total assets | 71.9806% | 1,352 |
| Net loans and leases to deposits | 82.2068% | 1,798 |
| Net loans and leases to core deposits | 90.9534% | 1,612 |
| Total domestic deposits to total assets | 87.5604% | 2,597 |
| Equity capital to assets | 11.0795% | 2,869 |
| Core capital (leverage) ratio | 9.7905% | 3,673 |
| Tier 1 risk-based capital ratio | 12.0867% | 5,861 |
| Total risk-based capital ratio | 13.2523% | 5,873 |
| Memoranda: | ||
| Average total assets | $1,669,906,500 | 421 |
| Average earning assets | $1,591,836,500 | 397 |
| Average equity | $183,676,500 | 422 |
| Average total loans | $1,211,174,000 | 365 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 3,506 |
| Cost of funding earning assets | 0.7144% | 3,369 |
| Net interest margin | 3.7596% | 3,395 |
| Noninterest income to average assets | 0.2621% | 5,590 |
| Noninterest expense to average assets | 2.4300% | 5,320 |
| Loan and lease loss provision to assets | 0.5492% | 1,044 |
| Net operating income to assets | 0.5753% | 4,358 |
| Return on assets (ROA) | 0.6186% | 4,414 |
| Pretax return on assets | 0.9239% | 3,834 |
| Return on Equity (ROE) | 5.4417% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.4417% | 2,422 |
| Net charge-offs to loans | 0.4213% | 2,550 |
| Credit loss provision to net charge-offs | 179.7903% | 1,463 |
| Earnings coverage of net charge-offs (x) | 4.6108% | 3,307 |
| Efficiency ratio | 62.8968% | 5,099 |
| Assets per employee ($millions) | 8.6504% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,236 |
| Loan loss allowance to noncurrent loans | 67.3504% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 2,971 |
| Noncurrent loans to loans | 1.7441% | 2,997 |
| Net loans and leases to total assets | 71.3095% | 1,602 |
| Net loans and leases to deposits | 81.4266% | 2,085 |
| Net loans and leases to core deposits | 90.9468% | 1,725 |
| Total domestic deposits to total assets | 87.5752% | 2,495 |
| Equity capital to assets | 10.9189% | 3,047 |
| Core capital (leverage) ratio | 9.9331% | 3,496 |
| Tier 1 risk-based capital ratio | 11.8472% | 5,876 |
| Total risk-based capital ratio | 12.9203% | 5,941 |
| Memoranda: | ||
| Average total assets | $1,467,566,200 | 458 |
| Average earning assets | $1,396,043,400 | 437 |
| Average equity | $166,840,800 | 447 |
| Average total loans | $1,064,016,600 | 404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 3,727 |
| Cost of funding earning assets | 0.7059% | 3,712 |
| Net interest margin | 3.7721% | 3,456 |
| Noninterest income to average assets | 0.1949% | 6,133 |
| Noninterest expense to average assets | 2.4021% | 5,393 |
| Loan and lease loss provision to assets | 0.6414% | 826 |
| Net operating income to assets | 0.4834% | 4,906 |
| Return on assets (ROA) | 0.5423% | 4,916 |
| Pretax return on assets | 0.8279% | 4,387 |
| Return on Equity (ROE) | 4.7155% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.7155% | 3,586 |
| Net charge-offs to loans | 0.5370% | 1,993 |
| Credit loss provision to net charge-offs | 164.5029% | 1,694 |
| Earnings coverage of net charge-offs (x) | 3.5393% | 3,603 |
| Efficiency ratio | 63.1216% | 4,957 |
| Assets per employee ($millions) | 8.0485% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,575 |
| Loan loss allowance to noncurrent loans | 104.9018% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 3,485 |
| Noncurrent loans to loans | 1.0823% | 4,273 |
| Net loans and leases to total assets | 77.0518% | 845 |
| Net loans and leases to deposits | 89.0237% | 1,252 |
| Net loans and leases to core deposits | 101.4970% | 1,022 |
| Total domestic deposits to total assets | 86.5520% | 2,949 |
| Equity capital to assets | 11.9808% | 2,275 |
| Core capital (leverage) ratio | 10.6542% | 2,751 |
| Tier 1 risk-based capital ratio | 12.0009% | 5,931 |
| Total risk-based capital ratio | 13.0383% | 6,045 |
| Memoranda: | ||
| Average total assets | $1,417,073,750 | 475 |
| Average earning assets | $1,347,619,250 | 451 |
| Average equity | $162,977,250 | 455 |
| Average total loans | $1,028,848,500 | 415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 4,211 |
| Cost of funding earning assets | 0.6868% | 4,129 |
| Net interest margin | 3.7058% | 3,787 |
| Noninterest income to average assets | 0.1850% | 6,241 |
| Noninterest expense to average assets | 2.3367% | 5,645 |
| Loan and lease loss provision to assets | 0.7042% | 775 |
| Net operating income to assets | 0.4437% | 5,061 |
| Return on assets (ROA) | 0.5338% | 4,940 |
| Pretax return on assets | 0.8144% | 4,427 |
| Return on Equity (ROE) | 4.7118% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.7118% | 3,474 |
| Net charge-offs to loans | 0.3443% | 2,638 |
| Credit loss provision to net charge-offs | 289.3617% | 1,011 |
| Earnings coverage of net charge-offs (x) | 5.6791% | 2,781 |
| Efficiency ratio | 62.4313% | 5,177 |
| Assets per employee ($millions) | 7.9023% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,025 |
| Loan loss allowance to noncurrent loans | 100.7753% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 4,196 |
| Noncurrent loans to loans | 1.2626% | 4,026 |
| Net loans and leases to total assets | 71.9614% | 1,558 |
| Net loans and leases to deposits | 83.0392% | 1,974 |
| Net loans and leases to core deposits | 92.2267% | 1,760 |
| Total domestic deposits to total assets | 86.6596% | 2,977 |
| Equity capital to assets | 11.8685% | 2,250 |
| Core capital (leverage) ratio | 10.9628% | 2,341 |
| Tier 1 risk-based capital ratio | 12.7279% | 5,397 |
| Total risk-based capital ratio | 13.8930% | 5,442 |
| Memoranda: | ||
| Average total assets | $1,390,427,330 | 483 |
| Average earning assets | $1,325,922,670 | 455 |
| Average equity | $157,518,330 | 468 |
| Average total loans | $982,890,330 | 430 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 4,629 |
| Cost of funding earning assets | 0.6786% | 4,479 |
| Net interest margin | 3.6477% | 4,051 |
| Noninterest income to average assets | 0.1823% | 6,288 |
| Noninterest expense to average assets | 2.2794% | 5,823 |
| Loan and lease loss provision to assets | 0.5511% | 1,068 |
| Net operating income to assets | 0.5499% | 4,595 |
| Return on assets (ROA) | 0.5499% | 4,810 |
| Pretax return on assets | 0.8379% | 4,274 |
| Return on Equity (ROE) | 4.9853% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.9853% | 3,566 |
| Net charge-offs to loans | 0.0480% | 4,029 |
| Credit loss provision to net charge-offs | 1,651.7857% | 202 |
| Earnings coverage of net charge-offs (x) | 41.6339% | 721 |
| Efficiency ratio | 61.7134% | 5,324 |
| Assets per employee ($millions) | 8.6334% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 5,177 |
| Loan loss allowance to noncurrent loans | 178.4606% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 5,004 |
| Noncurrent loans to loans | 0.7094% | 5,247 |
| Net loans and leases to total assets | 70.8401% | 1,605 |
| Net loans and leases to deposits | 81.0522% | 2,052 |
| Net loans and leases to core deposits | 87.5801% | 2,105 |
| Total domestic deposits to total assets | 87.4007% | 2,725 |
| Equity capital to assets | 11.0322% | 2,864 |
| Core capital (leverage) ratio | 9.7144% | 3,749 |
| Tier 1 risk-based capital ratio | 11.6229% | 6,205 |
| Total risk-based capital ratio | 12.7513% | 6,260 |
| Memoranda: | ||
| Average total assets | $1,342,822,000 | 499 |
| Average earning assets | $1,283,318,000 | 471 |
| Average equity | $148,116,000 | 482 |
| Average total loans | $932,903,500 | 447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 5,524 |
| Cost of funding earning assets | 0.8137% | 4,758 |
| Net interest margin | 3.5594% | 4,897 |
| Noninterest income to average assets | 0.1659% | 6,300 |
| Noninterest expense to average assets | 2.5132% | 5,427 |
| Loan and lease loss provision to assets | 0.8114% | 1,205 |
| Net operating income to assets | 0.1452% | 5,751 |
| Return on assets (ROA) | 0.1510% | 5,868 |
| Pretax return on assets | 0.2500% | 5,671 |
| Return on Equity (ROE) | 1.1406% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.1406% | 5,323 |
| Net charge-offs to loans | 0.7069% | 2,392 |
| Credit loss provision to net charge-offs | 169.5494% | 1,587 |
| Earnings coverage of net charge-offs (x) | 2.1986% | 4,137 |
| Efficiency ratio | 70.2972% | 3,888 |
| Assets per employee ($millions) | 8.7513% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,473 |
| Loan loss allowance to noncurrent loans | 168.0814% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 5,165 |
| Noncurrent loans to loans | 0.7042% | 5,288 |
| Net loans and leases to total assets | 66.3601% | 2,716 |
| Net loans and leases to deposits | 76.1468% | 3,155 |
| Net loans and leases to core deposits | 81.8878% | 3,194 |
| Total domestic deposits to total assets | 87.1477% | 2,674 |
| Equity capital to assets | 11.0281% | 2,954 |
| Core capital (leverage) ratio | 10.0130% | 3,327 |
| Tier 1 risk-based capital ratio | 12.2952% | 5,616 |
| Total risk-based capital ratio | 13.3404% | 5,749 |
| Memoranda: | ||
| Average total assets | $1,034,189,000 | 639 |
| Average earning assets | $987,691,600 | 597 |
| Average equity | $136,946,400 | 507 |
| Average total loans | $700,055,000 | 588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 5,334 |
| Cost of funding earning assets | 0.8358% | 4,893 |
| Net interest margin | 3.6375% | 4,631 |
| Noninterest income to average assets | 0.1434% | 6,534 |
| Noninterest expense to average assets | 2.5550% | 5,260 |
| Loan and lease loss provision to assets | 0.9048% | 988 |
| Net operating income to assets | 0.0871% | 5,994 |
| Return on assets (ROA) | 0.0955% | 6,088 |
| Pretax return on assets | 0.1701% | 5,954 |
| Return on Equity (ROE) | 0.6820% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.6820% | 5,744 |
| Net charge-offs to loans | 0.9500% | 1,699 |
| Credit loss provision to net charge-offs | 140.3101% | 2,269 |
| Earnings coverage of net charge-offs (x) | 1.6464% | 4,411 |
| Efficiency ratio | 70.5214% | 3,852 |
| Assets per employee ($millions) | 9.2531% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,259 |
| Loan loss allowance to noncurrent loans | 65.2227% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 4,387 |
| Noncurrent loans to loans | 1.9124% | 3,483 |
| Net loans and leases to total assets | 62.1283% | 3,690 |
| Net loans and leases to deposits | 72.0852% | 3,976 |
| Net loans and leases to core deposits | 76.6434% | 4,102 |
| Total domestic deposits to total assets | 86.1873% | 3,099 |
| Equity capital to assets | 11.8411% | 2,382 |
| Core capital (leverage) ratio | 11.9326% | 1,741 |
| Tier 1 risk-based capital ratio | 15.4804% | 3,398 |
| Total risk-based capital ratio | 16.6030% | 3,426 |
| Memoranda: | ||
| Average total assets | $960,185,000 | 691 |
| Average earning assets | $916,823,500 | 653 |
| Average equity | $134,508,750 | 522 |
| Average total loans | $651,743,750 | 640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 4,835 |
| Cost of funding earning assets | 0.8449% | 5,104 |
| Net interest margin | 3.7873% | 3,852 |
| Noninterest income to average assets | 0.1207% | 6,724 |
| Noninterest expense to average assets | 2.6147% | 5,136 |
| Loan and lease loss provision to assets | 0.9225% | 968 |
| Net operating income to assets | 0.1003% | 6,017 |
| Return on assets (ROA) | 0.1138% | 6,067 |
| Pretax return on assets | 0.2078% | 5,916 |
| Return on Equity (ROE) | 0.7624% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.7624% | 5,554 |
| Net charge-offs to loans | 0.3931% | 2,984 |
| Credit loss provision to net charge-offs | 335.3036% | 910 |
| Earnings coverage of net charge-offs (x) | 4.0316% | 2,987 |
| Efficiency ratio | 70.0885% | 4,104 |
| Assets per employee ($millions) | 7.9161% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,387 |
| Loan loss allowance to noncurrent loans | 61.6168% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7008% | 3,641 |
| Noncurrent loans to loans | 2.3403% | 3,050 |
| Net loans and leases to total assets | 71.6245% | 1,855 |
| Net loans and leases to deposits | 85.6152% | 1,840 |
| Net loans and leases to core deposits | 89.8133% | 2,398 |
| Total domestic deposits to total assets | 83.6586% | 4,485 |
| Equity capital to assets | 14.1032% | 1,067 |
| Core capital (leverage) ratio | 13.9776% | 874 |
| Tier 1 risk-based capital ratio | 16.5014% | 2,744 |
| Total risk-based capital ratio | 17.7524% | 2,701 |
| Memoranda: | ||
| Average total assets | $897,786,330 | 742 |
| Average earning assets | $854,111,670 | 705 |
| Average equity | $134,057,670 | 522 |
| Average total loans | $628,374,330 | 680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 5,380 |
| Cost of funding earning assets | 0.8537% | 5,248 |
| Net interest margin | 3.6339% | 4,404 |
| Noninterest income to average assets | 0.1005% | 6,911 |
| Noninterest expense to average assets | 2.5500% | 5,387 |
| Loan and lease loss provision to assets | 0.7237% | 1,169 |
| Net operating income to assets | 0.1512% | 5,942 |
| Return on assets (ROA) | 0.1512% | 5,999 |
| Pretax return on assets | 0.2743% | 5,729 |
| Return on Equity (ROE) | 0.9825% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.9825% | 5,436 |
| Net charge-offs to loans | -0.0148% | 6,475 |
| Credit loss provision to net charge-offs | -7,136.3636% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7292% | 3,925 |
| Assets per employee ($millions) | 7.9131% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,776 |
| Loan loss allowance to noncurrent loans | 62.6050% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.6009% | 3,845 |
| Noncurrent loans to loans | 2.2009% | 3,319 |
| Net loans and leases to total assets | 71.7379% | 1,777 |
| Net loans and leases to deposits | 87.7666% | 1,490 |
| Net loans and leases to core deposits | 93.0429% | 2,005 |
| Total domestic deposits to total assets | 81.7371% | 5,411 |
| Equity capital to assets | 15.3752% | 689 |
| Core capital (leverage) ratio | 14.4274% | 754 |
| Tier 1 risk-based capital ratio | 17.5709% | 2,262 |
| Total risk-based capital ratio | 18.8103% | 2,233 |
| Memoranda: | ||
| Average total assets | $867,754,000 | 771 |
| Average earning assets | $823,238,500 | 739 |
| Average equity | $133,542,500 | 520 |
| Average total loans | $594,514,500 | 730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 5,973 |
| Cost of funding earning assets | 1.0866% | 5,208 |
| Net interest margin | 3.5583% | 5,006 |
| Noninterest income to average assets | 0.0945% | 6,920 |
| Noninterest expense to average assets | 2.6986% | 4,995 |
| Loan and lease loss provision to assets | 0.4505% | 3,427 |
| Net operating income to assets | 0.1992% | 5,264 |
| Return on assets (ROA) | 0.2663% | 5,216 |
| Pretax return on assets | 0.4072% | 4,922 |
| Return on Equity (ROE) | 1.7208% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.7208% | 4,653 |
| Net charge-offs to loans | 0.1453% | 5,489 |
| Credit loss provision to net charge-offs | 458.6583% | 500 |
| Earnings coverage of net charge-offs (x) | 7.6817% | 2,081 |
| Efficiency ratio | 78.1515% | 2,683 |
| Assets per employee ($millions) | 8.3180% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,089 |
| Loan loss allowance to noncurrent loans | 49.3120% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 3,791 |
| Noncurrent loans to loans | 2.6019% | 2,927 |
| Net loans and leases to total assets | 63.4329% | 3,983 |
| Net loans and leases to deposits | 77.2246% | 3,631 |
| Net loans and leases to core deposits | 84.7198% | 3,490 |
| Total domestic deposits to total assets | 82.1409% | 5,142 |
| Equity capital to assets | 15.4038% | 697 |
| Core capital (leverage) ratio | 15.3935% | 599 |
| Tier 1 risk-based capital ratio | 19.7309% | 1,544 |
| Total risk-based capital ratio | 20.8903% | 1,531 |
| Memoranda: | ||
| Average total assets | $652,676,800 | 1,023 |
| Average earning assets | $616,022,000 | 980 |
| Average equity | $100,998,200 | 666 |
| Average total loans | $441,128,400 | 1,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 5,728 |
| Cost of funding earning assets | 1.1847% | 4,949 |
| Net interest margin | 3.5989% | 4,883 |
| Noninterest income to average assets | 0.1314% | 6,903 |
| Noninterest expense to average assets | 2.7641% | 4,623 |
| Loan and lease loss provision to assets | 0.3814% | 3,600 |
| Net operating income to assets | 0.2356% | 5,407 |
| Return on assets (ROA) | 0.3316% | 5,211 |
| Pretax return on assets | 0.5230% | 4,848 |
| Return on Equity (ROE) | 2.1391% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.1391% | 4,894 |
| Net charge-offs to loans | 0.0776% | 5,744 |
| Credit loss provision to net charge-offs | 714.5833% | 415 |
| Earnings coverage of net charge-offs (x) | 14.1376% | 1,536 |
| Efficiency ratio | 78.5565% | 2,552 |
| Assets per employee ($millions) | 7.1457% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 4,543 |
| Loan loss allowance to noncurrent loans | 368.4579% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 6,153 |
| Noncurrent loans to loans | 0.3761% | 6,443 |
| Net loans and leases to total assets | 69.0308% | 2,979 |
| Net loans and leases to deposits | 90.8486% | 1,604 |
| Net loans and leases to core deposits | 96.2836% | 2,226 |
| Total domestic deposits to total assets | 75.9845% | 6,659 |
| Equity capital to assets | 20.5682% | 255 |
| Core capital (leverage) ratio | 19.3605% | 276 |
| Tier 1 risk-based capital ratio | 25.7539% | 793 |
| Total risk-based capital ratio | 27.0046% | 777 |
| Memoranda: | ||
| Average total assets | $599,578,250 | 1,124 |
| Average earning assets | $564,304,000 | 1,077 |
| Average equity | $92,934,250 | 717 |
| Average total loans | $412,442,500 | 1,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 5,963 |
| Cost of funding earning assets | 1.2867% | 4,616 |
| Net interest margin | 3.4658% | 5,384 |
| Noninterest income to average assets | 0.1157% | 7,028 |
| Noninterest expense to average assets | 2.6649% | 5,059 |
| Loan and lease loss provision to assets | 0.4857% | 2,869 |
| Net operating income to assets | 0.1434% | 5,741 |
| Return on assets (ROA) | 0.2914% | 5,365 |
| Pretax return on assets | 0.4582% | 5,034 |
| Return on Equity (ROE) | 2.1404% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.1404% | 4,783 |
| Net charge-offs to loans | 0.1261% | 4,937 |
| Credit loss provision to net charge-offs | 563.7450% | 656 |
| Earnings coverage of net charge-offs (x) | 8.2709% | 2,163 |
| Efficiency ratio | 78.9024% | 2,589 |
| Assets per employee ($millions) | 7.8492% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 4,273 |
| Loan loss allowance to noncurrent loans | 579.9807% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 6,452 |
| Noncurrent loans to loans | 0.2471% | 6,736 |
| Net loans and leases to total assets | 61.8237% | 4,719 |
| Net loans and leases to deposits | 80.3463% | 3,544 |
| Net loans and leases to core deposits | 85.0376% | 3,988 |
| Total domestic deposits to total assets | 76.9465% | 6,516 |
| Equity capital to assets | 19.9281% | 284 |
| Core capital (leverage) ratio | 22.3623% | 168 |
| Tier 1 risk-based capital ratio | 27.9495% | 632 |
| Total risk-based capital ratio | 29.2007% | 618 |
| Memoranda: | ||
| Average total assets | $582,684,330 | 1,168 |
| Average earning assets | $548,391,330 | 1,109 |
| Average equity | $79,330,000 | 824 |
| Average total loans | $398,194,000 | 1,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 4,865 |
| Cost of funding earning assets | 1.4640% | 3,784 |
| Net interest margin | 3.5692% | 4,856 |
| Noninterest income to average assets | 0.1155% | 7,114 |
| Noninterest expense to average assets | 2.7785% | 4,569 |
| Loan and lease loss provision to assets | 0.5366% | 2,357 |
| Net operating income to assets | 0.0974% | 6,028 |
| Return on assets (ROA) | 0.4167% | 4,910 |
| Pretax return on assets | 0.6484% | 4,424 |
| Return on Equity (ROE) | 4.2881% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.2881% | 3,571 |
| Net charge-offs to loans | -0.0289% | 7,178 |
| Credit loss provision to net charge-offs | -2,589.2857% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1965% | 2,542 |
| Assets per employee ($millions) | 6.5405% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,489 |
| Loan loss allowance to noncurrent loans | 1,163.7500% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 7,263 |
| Noncurrent loans to loans | 0.1191% | 7,111 |
| Net loans and leases to total assets | 74.1248% | 1,944 |
| Net loans and leases to deposits | 85.7261% | 2,641 |
| Net loans and leases to core deposits | 90.6196% | 3,279 |
| Total domestic deposits to total assets | 86.4669% | 2,914 |
| Equity capital to assets | 9.7987% | 4,109 |
| Core capital (leverage) ratio | 8.1738% | 5,954 |
| Tier 1 risk-based capital ratio | 10.4487% | 6,679 |
| Total risk-based capital ratio | 11.6999% | 6,676 |
| Memoranda: | ||
| Average total assets | $540,437,500 | 1,296 |
| Average earning assets | $507,120,500 | 1,256 |
| Average equity | $52,517,000 | 1,278 |
| Average total loans | $388,055,500 | 1,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 6,105 |
| Cost of funding earning assets | 1.7722% | 4,141 |
| Net interest margin | 3.3226% | 5,652 |
| Noninterest income to average assets | 0.1019% | 7,258 |
| Noninterest expense to average assets | 3.2656% | 3,139 |
| Loan and lease loss provision to assets | 0.9872% | 2,296 |
| Net operating income to assets | -0.7019% | 6,369 |
| Return on assets (ROA) | -0.7019% | 6,362 |
| Pretax return on assets | -1.0579% | 6,455 |
| Return on Equity (ROE) | -5.9566% | 6,298 |
| Retained earnings to average equity (ytd only) | -5.9566% | 6,142 |
| Net charge-offs to loans | 0.8492% | 2,703 |
| Credit loss provision to net charge-offs | 153.9283% | 2,967 |
| Earnings coverage of net charge-offs (x) | -0.1103% | 6,343 |
| Efficiency ratio | 102.2135% | 1,003 |
| Assets per employee ($millions) | 6.7229% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,791 |
| Loan loss allowance to noncurrent loans | 1,956.6802% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 7,391 |
| Noncurrent loans to loans | 0.0662% | 7,258 |
| Net loans and leases to total assets | 67.6049% | 3,797 |
| Net loans and leases to deposits | 78.8441% | 4,203 |
| Net loans and leases to core deposits | 104.1747% | 3,556 |
| Total domestic deposits to total assets | 85.7450% | 3,142 |
| Equity capital to assets | 9.6375% | 4,231 |
| Core capital (leverage) ratio | 8.0029% | 6,188 |
| Tier 1 risk-based capital ratio | 10.7106% | 6,194 |
| Total risk-based capital ratio | 11.9500% | 6,186 |
| Memoranda: | ||
| Average total assets | $452,508,200 | 1,532 |
| Average earning assets | $421,237,800 | 1,501 |
| Average equity | $53,318,600 | 1,240 |
| Average total loans | $341,747,200 | 1,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 5,790 |
| Cost of funding earning assets | 1.8288% | 4,240 |
| Net interest margin | 3.3927% | 5,300 |
| Noninterest income to average assets | 0.1028% | 7,390 |
| Noninterest expense to average assets | 3.4880% | 2,314 |
| Loan and lease loss provision to assets | 1.2548% | 1,536 |
| Net operating income to assets | -0.9866% | 6,820 |
| Return on assets (ROA) | -0.9866% | 6,831 |
| Pretax return on assets | -1.4916% | 6,960 |
| Return on Equity (ROE) | -7.9159% | 6,721 |
| Retained earnings to average equity (ytd only) | -7.9159% | 6,592 |
| Net charge-offs to loans | 0.9658% | 2,043 |
| Credit loss provision to net charge-offs | 167.0938% | 2,806 |
| Earnings coverage of net charge-offs (x) | -0.3154% | 6,368 |
| Efficiency ratio | 107.2854% | 826 |
| Assets per employee ($millions) | 5.7231% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,095 |
| Loan loss allowance to noncurrent loans | 650.3989% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 6,024 |
| Noncurrent loans to loans | 0.2112% | 6,971 |
| Net loans and leases to total assets | 73.0604% | 2,772 |
| Net loans and leases to deposits | 86.9632% | 3,150 |
| Net loans and leases to core deposits | 117.5263% | 2,467 |
| Total domestic deposits to total assets | 84.0130% | 3,714 |
| Equity capital to assets | 10.8963% | 3,117 |
| Core capital (leverage) ratio | 9.4467% | 3,982 |
| Tier 1 risk-based capital ratio | 11.2630% | 5,673 |
| Total risk-based capital ratio | 12.5137% | 5,620 |
| Memoranda: | ||
| Average total assets | $429,497,500 | 1,626 |
| Average earning assets | $398,574,000 | 1,610 |
| Average equity | $53,528,000 | 1,251 |
| Average total loans | $333,940,000 | 1,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 5,722 |
| Cost of funding earning assets | 1.9298% | 4,114 |
| Net interest margin | 3.3558% | 5,334 |
| Noninterest income to average assets | 0.1004% | 7,477 |
| Noninterest expense to average assets | 3.6580% | 1,928 |
| Loan and lease loss provision to assets | 1.2221% | 1,408 |
| Net operating income to assets | -1.1018% | 7,054 |
| Return on assets (ROA) | -1.1018% | 7,053 |
| Pretax return on assets | -1.6663% | 7,155 |
| Return on Equity (ROE) | -8.4289% | 6,925 |
| Retained earnings to average equity (ytd only) | -8.4289% | 6,714 |
| Net charge-offs to loans | 0.8856% | 1,925 |
| Credit loss provision to net charge-offs | 174.2739% | 2,636 |
| Earnings coverage of net charge-offs (x) | -0.6335% | 6,131 |
| Efficiency ratio | 113.8222% | 765 |
| Assets per employee ($millions) | 5.3002% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,455 |
| Loan loss allowance to noncurrent loans | 412.7376% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 6,880 |
| Noncurrent loans to loans | 0.3080% | 6,743 |
| Net loans and leases to total assets | 77.5936% | 1,842 |
| Net loans and leases to deposits | 92.9562% | 2,282 |
| Net loans and leases to core deposits | 128.4515% | 1,680 |
| Total domestic deposits to total assets | 83.4732% | 4,027 |
| Equity capital to assets | 12.2027% | 2,087 |
| Core capital (leverage) ratio | 10.1589% | 3,142 |
| Tier 1 risk-based capital ratio | 12.1413% | 4,808 |
| Total risk-based capital ratio | 13.3763% | 4,729 |
| Memoranda: | ||
| Average total assets | $412,416,000 | 1,706 |
| Average earning assets | $382,622,000 | 1,691 |
| Average equity | $53,909,670 | 1,248 |
| Average total loans | $326,545,670 | 1,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 6,364 |
| Cost of funding earning assets | 2.0375% | 3,941 |
| Net interest margin | 3.1449% | 6,042 |
| Noninterest income to average assets | 0.0957% | 7,571 |
| Noninterest expense to average assets | 3.7437% | 1,575 |
| Loan and lease loss provision to assets | 1.6496% | 756 |
| Net operating income to assets | -1.5718% | 7,529 |
| Return on assets (ROA) | -1.5718% | 7,531 |
| Pretax return on assets | -2.3792% | 7,638 |
| Return on Equity (ROE) | -11.6069% | 7,452 |
| Retained earnings to average equity (ytd only) | -11.6069% | 7,243 |
| Net charge-offs to loans | 1.8142% | 798 |
| Credit loss provision to net charge-offs | 114.3746% | 3,399 |
| Earnings coverage of net charge-offs (x) | -0.5059% | 5,252 |
| Efficiency ratio | 124.2063% | 580 |
| Assets per employee ($millions) | 4.9834% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 5,718 |
| Loan loss allowance to noncurrent loans | 328.8553% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 6,756 |
| Noncurrent loans to loans | 0.3238% | 6,630 |
| Net loans and leases to total assets | 77.1465% | 2,004 |
| Net loans and leases to deposits | 93.4798% | 2,362 |
| Net loans and leases to core deposits | 132.0902% | 1,535 |
| Total domestic deposits to total assets | 82.5274% | 4,365 |
| Equity capital to assets | 12.8089% | 1,831 |
| Core capital (leverage) ratio | 11.5461% | 2,119 |
| Tier 1 risk-based capital ratio | 13.2379% | 4,031 |
| Total risk-based capital ratio | 14.2755% | 4,088 |
| Memoranda: | ||
| Average total assets | $401,316,000 | 1,757 |
| Average earning assets | $372,409,000 | 1,742 |
| Average equity | $54,347,000 | 1,245 |
| Average total loans | $319,030,500 | 1,572 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 5,657 |
| Cost of funding earning assets | 2.1754% | 5,699 |
| Net interest margin | 3.8018% | 4,010 |
| Noninterest income to average assets | 0.1216% | 7,510 |
| Noninterest expense to average assets | 3.9659% | 1,468 |
| Loan and lease loss provision to assets | 0.5237% | 2,717 |
| Net operating income to assets | -0.5680% | 6,978 |
| Return on assets (ROA) | -0.5680% | 6,865 |
| Pretax return on assets | -0.9153% | 6,949 |
| Return on Equity (ROE) | -3.0701% | 6,631 |
| Retained earnings to average equity (ytd only) | -3.0701% | 6,126 |
| Net charge-offs to loans | 0.0162% | 6,650 |
| Credit loss provision to net charge-offs | 4,283.7838% | 119 |
| Earnings coverage of net charge-offs (x) | -32.0270% | 6,962 |
| Efficiency ratio | 110.9550% | 690 |
| Assets per employee ($millions) | 4.6268% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 5,637 |
| Loan loss allowance to noncurrent loans | 202.9814% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 5,959 |
| Noncurrent loans to loans | 0.5166% | 5,800 |
| Net loans and leases to total assets | 80.3012% | 1,590 |
| Net loans and leases to deposits | 101.8203% | 1,601 |
| Net loans and leases to core deposits | 141.8012% | 1,170 |
| Total domestic deposits to total assets | 78.8656% | 5,422 |
| Equity capital to assets | 14.3416% | 1,339 |
| Core capital (leverage) ratio | 12.6229% | 1,701 |
| Tier 1 risk-based capital ratio | 14.3471% | 3,363 |
| Total risk-based capital ratio | 15.3698% | 3,407 |
| Memoranda: | ||
| Average total assets | $302,633,400 | 2,190 |
| Average earning assets | $274,841,600 | 2,199 |
| Average equity | $55,991,200 | 1,199 |
| Average total loans | $228,867,800 | 2,057 |