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Atlantic Capital Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9577%3,943
Cost of funding earning assets0.0881%4,474
Net interest margin2.8696%3,511
Noninterest income to average assets0.4558%2,784
Noninterest expense to average assets1.5993%4,423
Loan and lease loss provision to assets-0.2242%4,731
Net operating income to assets1.4176%1,222
Return on assets (ROA)1.4176%1,291
Pretax return on assets1.7811%952
Return on Equity (ROE)13.0196%1,464
Retained earnings to average equity (ytd only)13.0196%402
Net charge-offs to loans0.0617%1,161
Credit loss provision to net charge-offs-580.7067%3,786
Earnings coverage of net charge-offs (x)42.1491%1,406
Efficiency ratio50.6720%4,231
Assets per employee ($millions)18.9052%122
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.9364%3,975
Loan loss allowance to noncurrent loans534.3449%1,359
Noncurrent assets plus other real estate owned to assets0.1087%3,167
Noncurrent loans to loans0.1752%3,075
Net loans and leases to total assets61.4620%2,008
Net loans and leases to deposits70.3694%2,092
Net loans and leases to core deposits72.4744%2,214
Total domestic deposits to total assets87.3418%2,366
Equity capital to assets11.5401%1,488
Core capital (leverage) ratio10.6559%1,791
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0833%1,819
Memoranda:
Average total assets$3,830,910,800313
Average earning assets$3,604,900,200303
Average equity$417,126,200308
Average total loans$2,294,317,400325
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9467%4,088
Cost of funding earning assets0.0966%4,525
Net interest margin2.8501%3,656
Noninterest income to average assets0.4386%2,891
Noninterest expense to average assets1.5759%4,493
Loan and lease loss provision to assets-0.2732%4,815
Net operating income to assets1.4545%1,384
Return on assets (ROA)1.4546%1,444
Pretax return on assets1.8166%1,123
Return on Equity (ROE)13.5608%1,533
Retained earnings to average equity (ytd only)13.5608%565
Net charge-offs to loans0.0460%1,206
Credit loss provision to net charge-offs-905.6051%3,829
Earnings coverage of net charge-offs (x)56.5325%1,165
Efficiency ratio50.5218%4,175
Assets per employee ($millions)19.8586%104
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0467%3,681
Loan loss allowance to noncurrent loans586.8040%1,210
Noncurrent assets plus other real estate owned to assets0.0968%3,457
Noncurrent loans to loans0.1784%3,238
Net loans and leases to total assets53.7230%3,004
Net loans and leases to deposits60.5457%3,183
Net loans and leases to core deposits60.5840%3,435
Total domestic deposits to total assets88.7313%1,440
Equity capital to assets10.2069%2,702
Core capital (leverage) ratio10.2140%2,299
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6030%1,761
Memoranda:
Average total assets$3,833,928,000311
Average earning assets$3,605,869,000306
Average equity$411,233,000308
Average total loans$2,275,566,500330
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0485%3,960
Cost of funding earning assets0.1048%4,545
Net interest margin2.9437%3,463
Noninterest income to average assets0.4158%3,031
Noninterest expense to average assets1.6346%4,463
Loan and lease loss provision to assets-0.2940%4,832
Net operating income to assets1.4782%1,354
Return on assets (ROA)1.4783%1,414
Pretax return on assets1.8368%1,150
Return on Equity (ROE)13.5338%1,555
Retained earnings to average equity (ytd only)13.5338%632
Net charge-offs to loans0.0710%920
Credit loss provision to net charge-offs-605.7001%3,528
Earnings coverage of net charge-offs (x)35.4461%1,226
Efficiency ratio51.4478%4,104
Assets per employee ($millions)17.9106%133
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.1534%3,174
Loan loss allowance to noncurrent loans502.9457%1,270
Noncurrent assets plus other real estate owned to assets0.1379%3,325
Noncurrent loans to loans0.2293%3,140
Net loans and leases to total assets59.2403%2,516
Net loans and leases to deposits67.5154%2,670
Net loans and leases to core deposits67.5846%2,991
Total domestic deposits to total assets87.7435%1,962
Equity capital to assets11.0471%1,946
Core capital (leverage) ratio10.1153%2,289
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6411%1,745
Memoranda:
Average total assets$3,708,566,000316
Average earning assets$3,478,909,000313
Average equity$405,073,333308
Average total loans$2,272,198,667330
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9500%4,185
Cost of funding earning assets0.1127%4,567
Net interest margin2.8372%3,676
Noninterest income to average assets0.4175%2,997
Noninterest expense to average assets1.6483%4,466
Loan and lease loss provision to assets-0.4921%4,917
Net operating income to assets1.5769%1,169
Return on assets (ROA)1.5771%1,226
Pretax return on assets1.9226%1,075
Return on Equity (ROE)14.5241%1,322
Retained earnings to average equity (ytd only)14.5241%688
Net charge-offs to loans0.0418%1,046
Credit loss provision to net charge-offs-1,711.7647%3,513
Earnings coverage of net charge-offs (x)55.1891%860
Efficiency ratio53.5406%3,843
Assets per employee ($millions)17.8549%132
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1945%2,962
Loan loss allowance to noncurrent loans1,337.8405%531
Noncurrent assets plus other real estate owned to assets0.0555%3,980
Noncurrent loans to loans0.0893%3,856
Net loans and leases to total assets60.9687%2,409
Net loans and leases to deposits69.1749%2,586
Net loans and leases to core deposits69.2958%2,932
Total domestic deposits to total assets88.1370%1,772
Equity capital to assets10.7796%2,025
Core capital (leverage) ratio10.1752%2,356
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8791%1,609
Memoranda:
Average total assets$3,673,278,500319
Average earning assets$3,445,345,500313
Average equity$398,868,000309
Average total loans$2,275,848,500330
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5624%3,899
Cost of funding earning assets0.2848%4,223
Net interest margin3.2776%3,133
Noninterest income to average assets0.3785%3,220
Noninterest expense to average assets1.7453%4,550
Loan and lease loss provision to assets0.5793%361
Net operating income to assets0.8795%2,786
Return on assets (ROA)0.8789%2,928
Pretax return on assets1.0776%2,779
Return on Equity (ROE)6.9876%3,214
Retained earnings to average equity (ytd only)3.6875%2,987
Net charge-offs to loans0.1129%1,349
Credit loss provision to net charge-offs700.2972%992
Earnings coverage of net charge-offs (x)21.1979%1,908
Efficiency ratio51.2871%4,443
Assets per employee ($millions)17.9845%116
Cash dividends to net income (ytd only)*47.2286%1,992
Condition Ratios (%)
Loss allowance to loans1.4147%1,911
Loan loss allowance to noncurrent loans654.4220%936
Noncurrent assets plus other real estate owned to assets0.1349%3,611
Noncurrent loans to loans0.2162%3,429
Net loans and leases to total assets61.3358%2,685
Net loans and leases to deposits69.7413%2,907
Net loans and leases to core deposits69.8904%3,261
Total domestic deposits to total assets87.9476%1,497
Equity capital to assets10.9402%2,309
Core capital (leverage) ratio10.6367%2,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4034%1,715
Memoranda:
Average total assets$3,011,530,800335
Average earning assets$2,778,885,800334
Average equity$378,770,600308
Average total loans$2,086,116,000347
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7595%3,662
Cost of funding earning assets0.3415%4,100
Net interest margin3.4180%2,855
Noninterest income to average assets0.3770%3,199
Noninterest expense to average assets1.8376%4,429
Loan and lease loss provision to assets0.7907%230
Net operating income to assets0.7381%3,325
Return on assets (ROA)0.7381%3,425
Pretax return on assets0.8866%3,415
Return on Equity (ROE)5.6369%3,679
Retained earnings to average equity (ytd only)1.1877%4,185
Net charge-offs to loans0.1339%1,078
Credit loss provision to net charge-offs791.9669%990
Earnings coverage of net charge-offs (x)17.5204%2,012
Efficiency ratio52.2807%4,320
Assets per employee ($millions)14.4729%183
Cash dividends to net income (ytd only)*78.9291%610
Condition Ratios (%)
Loss allowance to loans1.4571%1,511
Loan loss allowance to noncurrent loans588.3416%925
Noncurrent assets plus other real estate owned to assets0.2047%3,413
Noncurrent loans to loans0.2477%3,412
Net loans and leases to total assets73.7810%1,403
Net loans and leases to deposits86.3583%1,655
Net loans and leases to core deposits90.0057%1,966
Total domestic deposits to total assets85.4359%2,273
Equity capital to assets13.1736%1,113
Core capital (leverage) ratio11.4590%1,607
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6247%1,618
Memoranda:
Average total assets$2,860,693,000346
Average earning assets$2,626,273,750342
Average equity$374,594,500306
Average total loans$2,045,386,000345
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8273%3,791
Cost of funding earning assets0.4269%3,914
Net interest margin3.4004%3,106
Noninterest income to average assets0.3740%3,236
Noninterest expense to average assets1.8123%4,544
Loan and lease loss provision to assets1.1929%141
Net operating income to assets0.4162%4,203
Return on assets (ROA)0.4162%4,262
Pretax return on assets0.4862%4,274
Return on Equity (ROE)3.1853%4,308
Retained earnings to average equity (ytd only)-3.5518%4,695
Net charge-offs to loans0.1709%870
Credit loss provision to net charge-offs915.7001%839
Earnings coverage of net charge-offs (x)13.9666%1,969
Efficiency ratio51.9073%4,360
Assets per employee ($millions)13.8966%203
Cash dividends to net income (ytd only)*211.5059%94
Condition Ratios (%)
Loss allowance to loans1.4459%1,425
Loan loss allowance to noncurrent loans504.4693%999
Noncurrent assets plus other real estate owned to assets0.2437%3,344
Noncurrent loans to loans0.2866%3,352
Net loans and leases to total assets74.5287%1,337
Net loans and leases to deposits89.0410%1,443
Net loans and leases to core deposits91.6418%1,938
Total domestic deposits to total assets83.7015%2,848
Equity capital to assets12.9680%1,179
Core capital (leverage) ratio11.2469%1,795
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3882%2,035
Memoranda:
Average total assets$2,839,751,333342
Average earning assets$2,603,382,000336
Average equity$371,081,667306
Average total loans$1,997,550,000347
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0306%3,707
Cost of funding earning assets0.6527%3,154
Net interest margin3.3779%3,367
Noninterest income to average assets0.3826%3,215
Noninterest expense to average assets1.8272%4,632
Loan and lease loss provision to assets1.1475%170
Net operating income to assets0.4358%4,059
Return on assets (ROA)0.4358%4,101
Pretax return on assets0.5075%4,108
Return on Equity (ROE)3.3217%4,137
Retained earnings to average equity (ytd only)-10.2209%4,774
Net charge-offs to loans0.0406%1,629
Credit loss provision to net charge-offs3,838.8601%211
Earnings coverage of net charge-offs (x)60.3368%801
Efficiency ratio52.4713%4,519
Assets per employee ($millions)13.0737%185
Cash dividends to net income (ytd only)*407.6973%72
Condition Ratios (%)
Loss allowance to loans1.2880%2,194
Loan loss allowance to noncurrent loans382.1335%1,231
Noncurrent assets plus other real estate owned to assets0.2682%3,384
Noncurrent loans to loans0.3371%3,287
Net loans and leases to total assets70.1650%2,224
Net loans and leases to deposits85.2912%2,081
Net loans and leases to core deposits89.3376%2,410
Total domestic deposits to total assets82.2652%3,340
Equity capital to assets13.6042%1,177
Core capital (leverage) ratio12.1668%1,634
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3862%2,120
Memoranda:
Average total assets$2,814,384,000336
Average earning assets$2,582,558,500333
Average equity$369,203,000307
Average total loans$1,903,401,500349
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2842%3,582
Cost of funding earning assets0.8779%2,297
Net interest margin3.4063%3,729
Noninterest income to average assets0.4151%3,205
Noninterest expense to average assets2.0358%4,473
Loan and lease loss provision to assets0.1003%2,052
Net operating income to assets1.0719%2,563
Return on assets (ROA)1.9661%400
Pretax return on assets2.2927%315
Return on Equity (ROE)14.6907%751
Retained earnings to average equity (ytd only)2.1175%3,939
Net charge-offs to loans0.1042%1,688
Credit loss provision to net charge-offs133.7278%1,910
Earnings coverage of net charge-offs (x)19.8881%1,966
Efficiency ratio55.8618%4,220
Assets per employee ($millions)14.2620%138
Cash dividends to net income (ytd only)*85.5858%638
Condition Ratios (%)
Loss allowance to loans0.9892%3,580
Loan loss allowance to noncurrent loans254.1615%1,751
Noncurrent assets plus other real estate owned to assets0.2602%3,390
Noncurrent loans to loans0.3892%3,039
Net loans and leases to total assets63.7701%3,230
Net loans and leases to deposits74.0131%3,351
Net loans and leases to core deposits76.7234%3,533
Total domestic deposits to total assets86.1607%2,000
Equity capital to assets12.6644%1,725
Core capital (leverage) ratio12.6633%1,398
Tier 1 risk-based capital ratio13.8074%3,359
Total risk-based capital ratio14.6266%3,478
Memoranda:
Average total assets$2,703,935,600335
Average earning assets$2,470,620,800332
Average equity$361,882,000305
Average total loans$1,945,616,400331
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3711%3,447
Cost of funding earning assets0.9119%2,173
Net interest margin3.4591%3,702
Noninterest income to average assets0.4316%3,132
Noninterest expense to average assets2.1109%4,341
Loan and lease loss provision to assets0.0968%1,977
Net operating income to assets1.0571%2,750
Return on assets (ROA)2.2726%249
Pretax return on assets2.6039%204
Return on Equity (ROE)16.7338%514
Retained earnings to average equity (ytd only)3.2245%3,795
Net charge-offs to loans0.1152%1,326
Credit loss provision to net charge-offs113.5024%2,047
Earnings coverage of net charge-offs (x)17.3101%2,096
Efficiency ratio56.3809%4,127
Assets per employee ($millions)12.2393%202
Cash dividends to net income (ytd only)*80.7308%637
Condition Ratios (%)
Loss allowance to loans0.9844%3,660
Loan loss allowance to noncurrent loans297.3195%1,527
Noncurrent assets plus other real estate owned to assets0.2637%3,504
Noncurrent loans to loans0.3311%3,349
Net loans and leases to total assets75.4209%1,581
Net loans and leases to deposits97.6189%860
Net loans and leases to core deposits101.3418%1,558
Total domestic deposits to total assets77.2605%4,481
Equity capital to assets15.3826%755
Core capital (leverage) ratio13.5659%1,109
Tier 1 risk-based capital ratio14.2919%3,179
Total risk-based capital ratio15.1179%3,304
Memoranda:
Average total assets$2,652,558,000342
Average earning assets$2,419,308,500340
Average equity$360,236,250311
Average total loans$1,963,547,000332
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2224%3,867
Cost of funding earning assets0.8665%2,319
Net interest margin3.3559%4,016
Noninterest income to average assets0.4030%3,261
Noninterest expense to average assets2.1275%4,362
Loan and lease loss provision to assets0.1106%1,689
Net operating income to assets0.9388%3,136
Return on assets (ROA)2.6485%133
Pretax return on assets2.9553%128
Return on Equity (ROE)20.2937%239
Retained earnings to average equity (ytd only)5.4345%2,550
Net charge-offs to loans0.1174%1,255
Credit loss provision to net charge-offs128.4622%1,673
Earnings coverage of net charge-offs (x)15.6287%1,974
Efficiency ratio57.5263%4,066
Assets per employee ($millions)12.0009%207
Cash dividends to net income (ytd only)*73.2206%995
Condition Ratios (%)
Loss allowance to loans1.0161%3,521
Loan loss allowance to noncurrent loans315.6022%1,502
Noncurrent assets plus other real estate owned to assets0.2819%3,430
Noncurrent loans to loans0.3219%3,378
Net loans and leases to total assets74.1802%1,860
Net loans and leases to deposits94.7348%1,180
Net loans and leases to core deposits102.4834%1,517
Total domestic deposits to total assets78.3030%4,344
Equity capital to assets15.4298%722
Core capital (leverage) ratio13.6159%1,073
Tier 1 risk-based capital ratio14.8085%2,912
Total risk-based capital ratio15.6669%3,021
Memoranda:
Average total assets$2,733,028,330338
Average earning assets$2,500,637,000334
Average equity$356,682,330314
Average total loans$2,005,866,330328
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9331%4,496
Cost of funding earning assets0.7428%2,818
Net interest margin3.1903%4,403
Noninterest income to average assets0.3741%3,356
Noninterest expense to average assets1.9098%4,785
Loan and lease loss provision to assets0.1121%1,584
Net operating income to assets1.0003%2,839
Return on assets (ROA)0.8540%3,477
Pretax return on assets1.1314%3,038
Return on Equity (ROE)7.0734%3,645
Retained earnings to average equity (ytd only)7.0734%2,006
Net charge-offs to loans0.1056%1,103
Credit loss provision to net charge-offs145.8781%1,266
Earnings coverage of net charge-offs (x)18.0914%1,637
Efficiency ratio57.8796%4,096
Assets per employee ($millions)8.6800%532
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8538%4,329
Loan loss allowance to noncurrent loans186.7664%2,291
Noncurrent assets plus other real estate owned to assets0.3735%3,096
Noncurrent loans to loans0.4571%2,946
Net loans and leases to total assets73.6331%1,876
Net loans and leases to deposits85.7423%2,163
Net loans and leases to core deposits89.3939%2,566
Total domestic deposits to total assets85.8772%2,331
Equity capital to assets12.5448%1,710
Core capital (leverage) ratio11.2513%2,338
Tier 1 risk-based capital ratio12.4797%4,185
Total risk-based capital ratio13.2240%4,368
Memoranda:
Average total assets$2,905,454,000331
Average earning assets$2,664,350,500328
Average equity$350,777,500319
Average total loans$2,113,929,500320
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6633%4,721
Cost of funding earning assets0.6027%2,693
Net interest margin3.0606%4,713
Noninterest income to average assets0.4615%3,043
Noninterest expense to average assets1.7686%5,033
Loan and lease loss provision to assets0.0688%2,761
Net operating income to assets1.1501%2,384
Return on assets (ROA)1.1140%2,538
Pretax return on assets1.3756%2,223
Return on Equity (ROE)9.0656%2,963
Retained earnings to average equity (ytd only)0.4311%4,868
Net charge-offs to loans0.0171%3,116
Credit loss provision to net charge-offs569.0058%618
Earnings coverage of net charge-offs (x)123.4327%639
Efficiency ratio54.1494%4,608
Assets per employee ($millions)8.8478%494
Cash dividends to net income (ytd only)*95.2441%343
Condition Ratios (%)
Loss allowance to loans0.8472%4,366
Loan loss allowance to noncurrent loans344.8136%1,464
Noncurrent assets plus other real estate owned to assets0.2048%3,801
Noncurrent loans to loans0.2457%3,707
Net loans and leases to total assets70.6942%2,461
Net loans and leases to deposits81.3366%2,809
Net loans and leases to core deposits85.7251%2,935
Total domestic deposits to total assets86.9156%1,813
Equity capital to assets11.6173%2,163
Core capital (leverage) ratio10.6449%2,895
Tier 1 risk-based capital ratio12.2483%4,269
Total risk-based capital ratio12.9917%4,476
Memoranda:
Average total assets$2,827,404,800333
Average earning assets$2,586,710,800330
Average equity$347,445,600316
Average total loans$1,995,763,600329
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2726%3,065
Cost of funding earning assets0.7052%1,818
Net interest margin3.5674%3,467
Noninterest income to average assets0.6290%2,167
Noninterest expense to average assets2.4954%3,612
Loan and lease loss provision to assets0.0689%2,598
Net operating income to assets1.0470%2,879
Return on assets (ROA)1.0470%2,889
Pretax return on assets1.3241%2,528
Return on Equity (ROE)8.3986%3,381
Retained earnings to average equity (ytd only)8.3986%1,471
Net charge-offs to loans0.0234%2,665
Credit loss provision to net charge-offs418.5507%796
Earnings coverage of net charge-offs (x)84.6548%852
Efficiency ratio63.0008%3,336
Assets per employee ($millions)8.6301%505
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.0020%3,746
Loan loss allowance to noncurrent loans716.7952%793
Noncurrent assets plus other real estate owned to assets0.1325%4,292
Noncurrent loans to loans0.1398%4,256
Net loans and leases to total assets70.0750%2,633
Net loans and leases to deposits84.3035%2,564
Net loans and leases to core deposits88.3713%2,811
Total domestic deposits to total assets83.1224%3,258
Equity capital to assets12.3178%1,689
Core capital (leverage) ratio11.6759%2,020
Tier 1 risk-based capital ratio13.2030%3,781
Total risk-based capital ratio14.0716%3,907
Memoranda:
Average total assets$2,795,460,750334
Average earning assets$2,554,107,500333
Average equity$348,479,250311
Average total loans$1,967,956,500330
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2272%3,026
Cost of funding earning assets0.6566%1,890
Net interest margin3.5706%3,408
Noninterest income to average assets0.6921%1,899
Noninterest expense to average assets2.5630%3,437
Loan and lease loss provision to assets0.0433%3,031
Net operating income to assets1.0630%2,740
Return on assets (ROA)1.0630%2,742
Pretax return on assets1.3424%2,354
Return on Equity (ROE)8.4924%3,270
Retained earnings to average equity (ytd only)8.4924%1,412
Net charge-offs to loans0.0370%2,109
Credit loss provision to net charge-offs166.3889%1,477
Earnings coverage of net charge-offs (x)53.2417%1,081
Efficiency ratio63.6958%3,360
Assets per employee ($millions)8.1281%603
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.0116%3,758
Loan loss allowance to noncurrent loans751.4582%780
Noncurrent assets plus other real estate owned to assets0.1447%4,267
Noncurrent loans to loans0.1346%4,304
Net loans and leases to total assets71.2289%2,404
Net loans and leases to deposits92.0153%1,576
Net loans and leases to core deposits96.5255%2,011
Total domestic deposits to total assets77.4099%4,675
Equity capital to assets13.0407%1,277
Core capital (leverage) ratio11.7033%1,906
Tier 1 risk-based capital ratio13.4605%3,638
Total risk-based capital ratio14.3349%3,771
Memoranda:
Average total assets$2,766,464,670338
Average earning assets$2,523,072,330336
Average equity$346,288,000310
Average total loans$1,943,835,330332
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0529%3,400
Cost of funding earning assets0.5764%2,194
Net interest margin3.4765%3,623
Noninterest income to average assets0.6062%2,227
Noninterest expense to average assets2.6219%3,270
Loan and lease loss provision to assets0.1101%1,700
Net operating income to assets0.8275%3,600
Return on assets (ROA)0.8275%3,611
Pretax return on assets1.0529%3,346
Return on Equity (ROE)6.7463%3,880
Retained earnings to average equity (ytd only)6.7463%2,387
Net charge-offs to loans0.0474%1,643
Credit loss provision to net charge-offs334.1991%759
Earnings coverage of net charge-offs (x)35.2987%1,139
Efficiency ratio67.9806%2,831
Assets per employee ($millions)8.0176%622
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0144%3,870
Loan loss allowance to noncurrent loans619.6634%913
Noncurrent assets plus other real estate owned to assets0.1521%4,319
Noncurrent loans to loans0.1637%4,245
Net loans and leases to total assets71.3902%2,273
Net loans and leases to deposits91.9614%1,452
Net loans and leases to core deposits98.3237%1,817
Total domestic deposits to total assets77.6306%4,783
Equity capital to assets12.6502%1,405
Core capital (leverage) ratio11.3190%2,147
Tier 1 risk-based capital ratio12.8437%4,038
Total risk-based capital ratio13.7226%4,161
Memoranda:
Average total assets$2,804,498,500338
Average earning assets$2,564,292,000336
Average equity$344,009,000315
Average total loans$1,947,791,000335
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8499%3,880
Cost of funding earning assets0.4812%2,492
Net interest margin3.3687%3,940
Noninterest income to average assets0.6270%2,321
Noninterest expense to average assets2.6674%3,236
Loan and lease loss provision to assets0.1169%1,943
Net operating income to assets-0.0435%5,392
Return on assets (ROA)-0.0435%5,395
Pretax return on assets0.9031%3,916
Return on Equity (ROE)-0.3434%5,393
Retained earnings to average equity (ytd only)-0.3434%5,096
Net charge-offs to loans0.2291%1,130
Credit loss provision to net charge-offs72.0072%3,065
Earnings coverage of net charge-offs (x)6.2824%3,201
Efficiency ratio70.7092%2,438
Assets per employee ($millions)8.3075%569
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9995%3,956
Loan loss allowance to noncurrent loans664.2857%882
Noncurrent assets plus other real estate owned to assets0.1428%4,431
Noncurrent loans to loans0.1505%4,321
Net loans and leases to total assets66.2736%3,062
Net loans and leases to deposits77.7333%3,146
Net loans and leases to core deposits82.6638%3,183
Total domestic deposits to total assets85.2577%2,735
Equity capital to assets11.9054%1,906
Core capital (leverage) ratio11.0506%2,289
Tier 1 risk-based capital ratio12.6870%4,100
Total risk-based capital ratio13.5557%4,236
Memoranda:
Average total assets$2,752,507,200324
Average earning assets$2,500,591,000321
Average equity$348,577,800293
Average total loans$1,951,076,200319
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8531%3,822
Cost of funding earning assets0.4753%2,477
Net interest margin3.3778%3,923
Noninterest income to average assets0.6584%2,170
Noninterest expense to average assets2.5917%3,434
Loan and lease loss provision to assets0.1440%1,464
Net operating income to assets0.6623%4,147
Return on assets (ROA)0.6623%4,203
Pretax return on assets0.9819%3,757
Return on Equity (ROE)5.1479%4,470
Retained earnings to average equity (ytd only)5.1479%2,776
Net charge-offs to loans0.3179%660
Credit loss provision to net charge-offs62.9908%2,772
Earnings coverage of net charge-offs (x)4.9241%3,167
Efficiency ratio68.0175%2,874
Assets per employee ($millions)7.6912%706
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9886%4,124
Loan loss allowance to noncurrent loans414.4520%1,230
Noncurrent assets plus other real estate owned to assets0.2292%4,142
Noncurrent loans to loans0.2385%4,100
Net loans and leases to total assets71.6369%2,309
Net loans and leases to deposits89.2377%1,899
Net loans and leases to core deposits99.1224%1,785
Total domestic deposits to total assets80.2764%4,261
Equity capital to assets13.6388%1,104
Core capital (leverage) ratio11.2231%2,245
Tier 1 risk-based capital ratio12.8143%4,133
Total risk-based capital ratio13.6665%4,277
Memoranda:
Average total assets$2,717,879,500328
Average earning assets$2,461,482,000329
Average equity$349,675,250293
Average total loans$1,955,013,750320
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7610%4,028
Cost of funding earning assets0.4408%2,685
Net interest margin3.3202%4,047
Noninterest income to average assets0.7053%1,959
Noninterest expense to average assets2.5755%3,505
Loan and lease loss provision to assets0.1905%979
Net operating income to assets0.6430%4,116
Return on assets (ROA)0.6430%4,164
Pretax return on assets0.9490%3,767
Return on Equity (ROE)5.0956%4,438
Retained earnings to average equity (ytd only)5.0956%2,641
Net charge-offs to loans0.1359%1,346
Credit loss provision to net charge-offs195.2203%1,297
Earnings coverage of net charge-offs (x)11.6774%2,255
Efficiency ratio67.5723%3,083
Assets per employee ($millions)8.2132%566
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.1136%3,506
Loan loss allowance to noncurrent loans177.8193%2,466
Noncurrent assets plus other real estate owned to assets0.5225%3,019
Noncurrent loans to loans0.6263%2,856
Net loans and leases to total assets71.8675%2,223
Net loans and leases to deposits91.2122%1,580
Net loans and leases to core deposits101.2941%1,564
Total domestic deposits to total assets78.7915%4,666
Equity capital to assets13.1055%1,325
Core capital (leverage) ratio10.7126%2,688
Tier 1 risk-based capital ratio12.3978%4,355
Total risk-based capital ratio13.3671%4,436
Memoranda:
Average total assets$2,744,480,000330
Average earning assets$2,487,780,000327
Average equity$346,299,330297
Average total loans$1,970,449,670321
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5813%4,469
Cost of funding earning assets0.3867%3,126
Net interest margin3.1947%4,361
Noninterest income to average assets0.5963%2,437
Noninterest expense to average assets2.5659%3,604
Loan and lease loss provision to assets0.0917%2,009
Net operating income to assets0.5579%4,338
Return on assets (ROA)0.5580%4,384
Pretax return on assets0.8365%3,985
Return on Equity (ROE)4.5072%4,596
Retained earnings to average equity (ytd only)4.5072%3,167
Net charge-offs to loans0.2614%696
Credit loss provision to net charge-offs49.1473%1,993
Earnings coverage of net charge-offs (x)4.9744%2,330
Efficiency ratio71.4918%2,663
Assets per employee ($millions)8.5189%503
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.0326%4,077
Loan loss allowance to noncurrent loans500.6026%1,056
Noncurrent assets plus other real estate owned to assets0.2088%4,399
Noncurrent loans to loans0.2063%4,376
Net loans and leases to total assets68.1851%2,652
Net loans and leases to deposits86.1446%2,018
Net loans and leases to core deposits92.6004%2,110
Total domestic deposits to total assets79.1519%4,793
Equity capital to assets12.3326%1,642
Core capital (leverage) ratio10.7642%2,630
Tier 1 risk-based capital ratio12.2308%4,560
Total risk-based capital ratio13.1256%4,700
Memoranda:
Average total assets$2,765,647,000330
Average earning assets$2,508,561,500331
Average equity$342,384,500300
Average total loans$1,973,757,000322
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5818%4,564
Cost of funding earning assets0.3361%3,682
Net interest margin3.2457%4,310
Noninterest income to average assets0.8038%1,737
Noninterest expense to average assets2.6519%3,520
Loan and lease loss provision to assets0.1397%1,785
Net operating income to assets0.6037%4,193
Return on assets (ROA)0.6047%4,299
Pretax return on assets0.9375%3,703
Return on Equity (ROE)4.9145%4,473
Retained earnings to average equity (ytd only)4.9145%2,395
Net charge-offs to loans0.1073%2,200
Credit loss provision to net charge-offs179.4920%1,558
Earnings coverage of net charge-offs (x)13.8222%2,342
Efficiency ratio68.7438%3,118
Assets per employee ($millions)7.9775%615
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.0213%4,185
Loan loss allowance to noncurrent loans527.9416%1,021
Noncurrent assets plus other real estate owned to assets0.2116%4,464
Noncurrent loans to loans0.1934%4,466
Net loans and leases to total assets73.1575%1,983
Net loans and leases to deposits88.5787%1,859
Net loans and leases to core deposits99.2436%1,689
Total domestic deposits to total assets82.5904%3,901
Equity capital to assets12.4471%1,555
Core capital (leverage) ratio10.4446%2,939
Tier 1 risk-based capital ratio11.8275%4,836
Total risk-based capital ratio12.7351%4,969
Memoranda:
Average total assets$2,732,125,200319
Average earning assets$2,460,975,600323
Average equity$336,187,000292
Average total loans$1,982,127,200306
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5700%4,634
Cost of funding earning assets0.3276%3,802
Net interest margin3.2424%4,368
Noninterest income to average assets0.8525%1,570
Noninterest expense to average assets2.6564%3,477
Loan and lease loss provision to assets0.0784%2,655
Net operating income to assets0.6544%4,063
Return on assets (ROA)0.6558%4,175
Pretax return on assets1.0371%3,486
Return on Equity (ROE)5.3450%4,367
Retained earnings to average equity (ytd only)5.3450%2,589
Net charge-offs to loans0.1337%1,634
Credit loss provision to net charge-offs81.2532%2,647
Earnings coverage of net charge-offs (x)11.5326%2,478
Efficiency ratio67.7334%3,274
Assets per employee ($millions)8.4662%487
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9020%4,862
Loan loss allowance to noncurrent loans437.4321%1,186
Noncurrent assets plus other real estate owned to assets0.2161%4,566
Noncurrent loans to loans0.2062%4,533
Net loans and leases to total assets73.7749%1,908
Net loans and leases to deposits92.3822%1,448
Net loans and leases to core deposits102.3471%1,457
Total domestic deposits to total assets79.8583%4,543
Equity capital to assets12.4736%1,797
Core capital (leverage) ratio10.2459%3,286
Tier 1 risk-based capital ratio11.1595%5,282
Total risk-based capital ratio11.9485%5,438
Memoranda:
Average total assets$2,733,082,000318
Average earning assets$2,458,965,750320
Average equity$335,335,250292
Average total loans$1,973,521,750306
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5518%4,737
Cost of funding earning assets0.3173%3,933
Net interest margin3.2345%4,425
Noninterest income to average assets0.9851%1,152
Noninterest expense to average assets2.7290%3,279
Loan and lease loss provision to assets0.0841%2,460
Net operating income to assets0.6723%3,951
Return on assets (ROA)0.6743%4,071
Pretax return on assets1.0868%3,254
Return on Equity (ROE)5.5272%4,279
Retained earnings to average equity (ytd only)5.5272%2,404
Net charge-offs to loans0.1719%1,314
Credit loss provision to net charge-offs68.4399%2,492
Earnings coverage of net charge-offs (x)9.5063%2,421
Efficiency ratio67.3399%3,476
Assets per employee ($millions)8.3289%504
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.9323%4,832
Loan loss allowance to noncurrent loans917.0160%629
Noncurrent assets plus other real estate owned to assets0.1053%5,089
Noncurrent loans to loans0.1017%5,042
Net loans and leases to total assets69.5735%2,537
Net loans and leases to deposits89.9554%1,764
Net loans and leases to core deposits101.5990%1,504
Total domestic deposits to total assets77.3422%5,111
Equity capital to assets12.1325%2,030
Core capital (leverage) ratio9.8995%3,684
Tier 1 risk-based capital ratio11.5832%5,100
Total risk-based capital ratio12.4125%5,251
Memoranda:
Average total assets$2,724,117,670318
Average earning assets$2,452,042,000320
Average equity$332,357,330295
Average total loans$1,946,461,670308
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6430%4,498
Cost of funding earning assets0.3830%3,267
Net interest margin3.2601%4,360
Noninterest income to average assets0.6648%2,196
Noninterest expense to average assets2.7139%3,366
Loan and lease loss provision to assets0.0549%2,846
Net operating income to assets0.5190%4,547
Return on assets (ROA)0.5221%4,645
Pretax return on assets0.8288%4,107
Return on Equity (ROE)4.2673%4,793
Retained earnings to average equity (ytd only)4.2673%3,346
Net charge-offs to loans0.3443%648
Credit loss provision to net charge-offs22.1021%2,281
Earnings coverage of net charge-offs (x)3.5399%2,529
Efficiency ratio72.3772%2,746
Assets per employee ($millions)7.7247%628
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8884%5,097
Loan loss allowance to noncurrent loans1,566.5480%396
Noncurrent assets plus other real estate owned to assets0.1057%5,157
Noncurrent loans to loans0.0567%5,256
Net loans and leases to total assets72.0417%2,029
Net loans and leases to deposits85.6303%2,105
Net loans and leases to core deposits96.5493%1,744
Total domestic deposits to total assets84.1311%3,469
Equity capital to assets12.1983%1,896
Core capital (leverage) ratio10.1077%3,415
Tier 1 risk-based capital ratio11.0480%5,478
Total risk-based capital ratio11.8319%5,624
Memoranda:
Average total assets$2,682,754,500317
Average earning assets$2,409,410,000322
Average equity$328,266,500297
Average total loans$1,934,094,000307
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8780%3,784
Cost of funding earning assets0.3532%3,670
Net interest margin3.5248%3,432
Noninterest income to average assets0.6507%2,457
Noninterest expense to average assets3.0407%2,412
Loan and lease loss provision to assets0.5911%182
Net operating income to assets0.0751%5,785
Return on assets (ROA)0.0756%5,825
Pretax return on assets0.2190%5,664
Return on Equity (ROE)0.7925%5,804
Retained earnings to average equity (ytd only)0.7925%5,204
Net charge-offs to loans0.0548%3,111
Credit loss provision to net charge-offs1,503.2668%229
Earnings coverage of net charge-offs (x)20.5844%1,870
Efficiency ratio78.2465%1,932
Assets per employee ($millions)7.7067%633
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.0152%4,513
Loan loss allowance to noncurrent loans348.1731%1,435
Noncurrent assets plus other real estate owned to assets0.2839%4,448
Noncurrent loans to loans0.2916%4,416
Net loans and leases to total assets70.8515%2,234
Net loans and leases to deposits82.0854%2,577
Net loans and leases to core deposits90.9983%2,318
Total domestic deposits to total assets86.3143%2,483
Equity capital to assets12.3647%1,692
Core capital (leverage) ratio11.0681%2,333
Tier 1 risk-based capital ratio11.7014%5,133
Total risk-based capital ratio12.6206%5,225
Memoranda:
Average total assets$1,401,273,400513
Average earning assets$1,271,903,800515
Average equity$133,633,000570
Average total loans$1,004,652,600479
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9604%3,492
Cost of funding earning assets0.5859%1,495
Net interest margin3.3745%4,061
Noninterest income to average assets1.5536%520
Noninterest expense to average assets4.2231%530
Loan and lease loss provision to assets0.3633%362
Net operating income to assets-0.0032%5,941
Return on assets (ROA)-0.0026%5,973
Pretax return on assets0.0505%5,933
Return on Equity (ROE)-0.0327%5,973
Retained earnings to average equity (ytd only)-0.0327%5,600
Net charge-offs to loans0.3446%764
Credit loss provision to net charge-offs146.8673%1,714
Earnings coverage of net charge-offs (x)1.6690%3,794
Efficiency ratio90.7428%649
Assets per employee ($millions)4.6433%2,777
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1276%4,070
Loan loss allowance to noncurrent loans142.1943%2,921
Noncurrent assets plus other real estate owned to assets0.8299%2,797
Noncurrent loans to loans0.7930%2,978
Net loans and leases to total assets72.9239%1,920
Net loans and leases to deposits88.7567%1,804
Net loans and leases to core deposits96.1243%1,864
Total domestic deposits to total assets82.1616%4,116
Equity capital to assets7.4898%6,075
Core capital (leverage) ratio8.1991%5,777
Tier 1 risk-based capital ratio9.9010%6,069
Total risk-based capital ratio10.9579%6,077
Memoranda:
Average total assets$1,092,667,250647
Average earning assets$998,057,500647
Average equity$85,567,250894
Average total loans$784,169,750598
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9247%3,598
Cost of funding earning assets0.5481%1,838
Net interest margin3.3767%3,978
Noninterest income to average assets1.1497%906
Noninterest expense to average assets3.8761%792
Loan and lease loss provision to assets0.2509%699
Net operating income to assets0.0528%5,929
Return on assets (ROA)0.0537%5,969
Pretax return on assets0.1076%5,926
Return on Equity (ROE)0.6755%5,943
Retained earnings to average equity (ytd only)0.6755%5,292
Net charge-offs to loans0.0785%2,266
Credit loss provision to net charge-offs450.0000%678
Earnings coverage of net charge-offs (x)6.4033%2,787
Efficiency ratio91.1226%678
Assets per employee ($millions)4.1940%3,481
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.1992%3,792
Loan loss allowance to noncurrent loans117.6326%3,319
Noncurrent assets plus other real estate owned to assets1.1469%2,212
Noncurrent loans to loans1.0195%2,606
Net loans and leases to total assets71.9782%1,981
Net loans and leases to deposits85.3596%2,125
Net loans and leases to core deposits92.1031%2,149
Total domestic deposits to total assets84.3235%3,435
Equity capital to assets7.8014%6,046
Core capital (leverage) ratio8.4916%5,539
Tier 1 risk-based capital ratio10.2517%6,016
Total risk-based capital ratio11.3539%6,001
Memoranda:
Average total assets$1,076,140,330656
Average earning assets$982,689,330655
Average equity$85,572,330899
Average total loans$764,735,670609
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9155%3,536
Cost of funding earning assets0.4883%2,395
Net interest margin3.4273%3,729
Noninterest income to average assets1.6251%472
Noninterest expense to average assets4.1307%594
Loan and lease loss provision to assets0.2656%600
Net operating income to assets0.3047%5,396
Return on assets (ROA)0.3073%5,493
Pretax return on assets0.3618%5,510
Return on Equity (ROE)3.8271%5,052
Retained earnings to average equity (ytd only)3.8271%3,711
Net charge-offs to loans0.3251%742
Credit loss provision to net charge-offs116.4745%1,472
Earnings coverage of net charge-offs (x)2.7381%2,707
Efficiency ratio86.4750%1,136
Assets per employee ($millions)4.0902%3,777
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1414%4,311
Loan loss allowance to noncurrent loans192.3505%2,294
Noncurrent assets plus other real estate owned to assets0.8209%3,047
Noncurrent loans to loans0.5934%3,798
Net loans and leases to total assets70.7198%2,037
Net loans and leases to deposits81.0929%2,437
Net loans and leases to core deposits88.7359%2,247
Total domestic deposits to total assets87.2084%2,265
Equity capital to assets8.1051%5,983
Core capital (leverage) ratio8.6605%5,364
Tier 1 risk-based capital ratio10.9103%5,844
Total risk-based capital ratio11.9653%5,857
Memoranda:
Average total assets$1,064,795,500667
Average earning assets$972,441,000655
Average equity$85,496,500902
Average total loans$746,844,500622
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9077%4,098
Cost of funding earning assets0.5652%2,093
Net interest margin3.3425%4,431
Noninterest income to average assets1.1217%966
Noninterest expense to average assets3.8547%906
Loan and lease loss provision to assets-0.1433%6,224
Net operating income to assets0.4173%5,165
Return on assets (ROA)0.4731%5,007
Pretax return on assets0.5250%5,183
Return on Equity (ROE)5.9144%4,189
Retained earnings to average equity (ytd only)5.9144%1,976
Net charge-offs to loans0.0741%3,430
Credit loss provision to net charge-offs-291.5663%5,697
Earnings coverage of net charge-offs (x)6.5080%3,184
Efficiency ratio91.8768%715
Assets per employee ($millions)4.0386%3,862
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.1619%4,211
Loan loss allowance to noncurrent loans192.2212%2,313
Noncurrent assets plus other real estate owned to assets0.8371%3,120
Noncurrent loans to loans0.6045%3,861
Net loans and leases to total assets67.9584%2,559
Net loans and leases to deposits80.2918%2,680
Net loans and leases to core deposits87.4473%2,559
Total domestic deposits to total assets84.6392%3,442
Equity capital to assets7.9544%6,088
Core capital (leverage) ratio8.8836%5,144
Tier 1 risk-based capital ratio11.3088%5,766
Total risk-based capital ratio12.4001%5,782
Memoranda:
Average total assets$1,013,572,600666
Average earning assets$925,709,600662
Average equity$81,073,800904
Average total loans$672,252,200647
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9364%4,027
Cost of funding earning assets0.5835%1,986
Net interest margin3.3529%4,421
Noninterest income to average assets0.9758%1,293
Noninterest expense to average assets3.7967%979
Loan and lease loss provision to assets-0.1642%6,358
Net operating income to assets0.3625%5,390
Return on assets (ROA)0.4370%5,195
Pretax return on assets0.4897%5,345
Return on Equity (ROE)5.4558%4,508
Retained earnings to average equity (ytd only)5.4558%2,792
Net charge-offs to loans0.1359%2,436
Credit loss provision to net charge-offs-184.0060%5,542
Earnings coverage of net charge-offs (x)2.7085%3,843
Efficiency ratio93.5318%621
Assets per employee ($millions)3.9375%4,017
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.2051%4,194
Loan loss allowance to noncurrent loans144.5135%2,821
Noncurrent assets plus other real estate owned to assets1.1582%2,630
Noncurrent loans to loans0.8339%3,490
Net loans and leases to total assets68.6043%2,449
Net loans and leases to deposits80.1684%2,663
Net loans and leases to core deposits89.0128%2,323
Total domestic deposits to total assets85.5753%3,082
Equity capital to assets8.0575%6,103
Core capital (leverage) ratio8.8676%5,238
Tier 1 risk-based capital ratio11.3299%5,868
Total risk-based capital ratio12.4478%5,860
Memoranda:
Average total assets$999,407,250674
Average earning assets$912,899,000668
Average equity$80,059,500919
Average total loans$656,349,250658
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8002%4,523
Cost of funding earning assets0.5980%1,914
Net interest margin3.2022%4,939
Noninterest income to average assets0.9473%1,339
Noninterest expense to average assets3.8112%960
Loan and lease loss provision to assets-0.2509%6,507
Net operating income to assets0.2722%5,659
Return on assets (ROA)0.3820%5,357
Pretax return on assets0.4352%5,464
Return on Equity (ROE)4.7786%4,779
Retained earnings to average equity (ytd only)4.7786%3,103
Net charge-offs to loans-0.0446%5,821
Credit loss provision to net charge-offs874.6479%375
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.9592%469
Assets per employee ($millions)3.8790%4,108
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.3661%3,508
Loan loss allowance to noncurrent loans157.3485%2,620
Noncurrent assets plus other real estate owned to assets1.3523%2,419
Noncurrent loans to loans0.8682%3,534
Net loans and leases to total assets67.0368%2,570
Net loans and leases to deposits78.1575%2,783
Net loans and leases to core deposits88.4977%2,260
Total domestic deposits to total assets85.7714%3,168
Equity capital to assets8.0087%6,153
Core capital (leverage) ratio8.8275%5,253
Tier 1 risk-based capital ratio11.6359%5,723
Total risk-based capital ratio12.8861%5,675
Memoranda:
Average total assets$989,983,330677
Average earning assets$903,743,330673
Average equity$79,144,330922
Average total loans$637,255,000672
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7373%4,717
Cost of funding earning assets0.6300%1,735
Net interest margin3.1073%5,225
Noninterest income to average assets0.8014%1,740
Noninterest expense to average assets3.8796%883
Loan and lease loss provision to assets-0.3972%6,644
Net operating income to assets0.1225%5,979
Return on assets (ROA)0.2468%5,718
Pretax return on assets0.3008%5,718
Return on Equity (ROE)3.0905%5,427
Retained earnings to average equity (ytd only)3.0905%4,264
Net charge-offs to loans0.2144%1,466
Credit loss provision to net charge-offs-296.3415%5,040
Earnings coverage of net charge-offs (x)-1.8506%3,533
Efficiency ratio106.2795%328
Assets per employee ($millions)3.6036%4,709
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4367%3,436
Loan loss allowance to noncurrent loans133.7015%2,904
Noncurrent assets plus other real estate owned to assets1.4230%2,493
Noncurrent loans to loans1.0745%3,273
Net loans and leases to total assets64.3926%2,827
Net loans and leases to deposits74.8896%2,957
Net loans and leases to core deposits84.6100%2,451
Total domestic deposits to total assets85.9834%3,374
Equity capital to assets8.0446%6,026
Core capital (leverage) ratio9.0407%4,949
Tier 1 risk-based capital ratio12.0666%5,602
Total risk-based capital ratio13.2600%5,571
Memoranda:
Average total assets$978,771,000689
Average earning assets$891,454,000689
Average equity$78,176,000936
Average total loans$611,839,500709
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3980%5,841
Cost of funding earning assets0.9098%697
Net interest margin2.4882%6,382
Noninterest income to average assets0.6223%2,960
Noninterest expense to average assets4.2570%658
Loan and lease loss provision to assets-0.2652%6,655
Net operating income to assets-1.1896%6,632
Return on assets (ROA)-1.1585%6,633
Pretax return on assets-1.0723%6,605
Return on Equity (ROE)-20.8464%6,691
Retained earnings to average equity (ytd only)-20.8464%6,677
Net charge-offs to loans0.1017%3,813
Credit loss provision to net charge-offs-484.0708%6,134
Earnings coverage of net charge-offs (x)-24.9805%5,450
Efficiency ratio146.4767%69
Assets per employee ($millions)3.4658%4,968
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.8001%2,067
Loan loss allowance to noncurrent loans129.1354%3,003
Noncurrent assets plus other real estate owned to assets1.6710%2,207
Noncurrent loans to loans1.3939%2,805
Net loans and leases to total assets58.6084%3,935
Net loans and leases to deposits66.7080%4,220
Net loans and leases to core deposits75.6758%3,645
Total domestic deposits to total assets87.8581%2,265
Equity capital to assets7.9296%6,069
Core capital (leverage) ratio8.7433%5,367
Tier 1 risk-based capital ratio12.8269%5,101
Total risk-based capital ratio14.0807%5,041
Memoranda:
Average total assets$1,031,274,000635
Average earning assets$939,191,600633
Average equity$57,309,6001,256
Average total loans$555,291,000755
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3288%6,006
Cost of funding earning assets0.9627%598
Net interest margin2.3661%6,541
Noninterest income to average assets0.6119%3,066
Noninterest expense to average assets4.4636%540
Loan and lease loss provision to assets-0.2272%6,737
Net operating income to assets-1.5668%6,768
Return on assets (ROA)-1.5471%6,767
Pretax return on assets-1.4490%6,751
Return on Equity (ROE)-30.9282%6,817
Retained earnings to average equity (ytd only)-30.9282%6,810
Net charge-offs to loans0.3210%1,935
Credit loss provision to net charge-offs-134.8485%5,825
Earnings coverage of net charge-offs (x)-10.0666%5,166
Efficiency ratio160.2868%58
Assets per employee ($millions)3.3155%5,255
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.9952%1,731
Loan loss allowance to noncurrent loans146.3348%2,584
Noncurrent assets plus other real estate owned to assets1.5797%2,567
Noncurrent loans to loans1.3634%3,132
Net loans and leases to total assets51.9753%4,876
Net loans and leases to deposits57.6654%5,220
Net loans and leases to core deposits66.0645%4,706
Total domestic deposits to total assets90.1326%923
Equity capital to assets7.6042%6,352
Core capital (leverage) ratio8.3259%5,944
Tier 1 risk-based capital ratio13.6815%4,642
Total risk-based capital ratio14.9376%4,593
Memoranda:
Average total assets$1,044,751,500631
Average earning assets$951,905,250629
Average equity$52,261,7501,369
Average total loans$548,284,500766
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2420%6,172
Cost of funding earning assets1.0119%513
Net interest margin2.2302%6,666
Noninterest income to average assets0.5176%3,718
Noninterest expense to average assets4.6628%463
Loan and lease loss provision to assets-0.0280%6,611
Net operating income to assets-2.1263%6,855
Return on assets (ROA)-2.0971%6,861
Pretax return on assets-2.0562%6,850
Return on Equity (ROE)-50.2698%6,906
Retained earnings to average equity (ytd only)-50.2698%6,901
Net charge-offs to loans0.4896%1,339
Credit loss provision to net charge-offs-10.9467%5,455
Earnings coverage of net charge-offs (x)-8.2530%4,852
Efficiency ratio181.8202%39
Assets per employee ($millions)3.2832%5,304
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.2536%1,331
Loan loss allowance to noncurrent loans137.2768%2,695
Noncurrent assets plus other real estate owned to assets1.8325%2,365
Noncurrent loans to loans1.6416%2,853
Net loans and leases to total assets50.1526%5,096
Net loans and leases to deposits55.4762%5,392
Net loans and leases to core deposits64.8217%4,811
Total domestic deposits to total assets90.4039%801
Equity capital to assets7.3185%6,505
Core capital (leverage) ratio7.5382%6,441
Tier 1 risk-based capital ratio12.7774%5,303
Total risk-based capital ratio14.0364%5,234
Memoranda:
Average total assets$1,055,926,330628
Average earning assets$961,984,330625
Average equity$44,050,3301,603
Average total loans$552,283,330749
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2647%6,219
Cost of funding earning assets1.0736%424
Net interest margin2.1911%6,760
Noninterest income to average assets0.3316%5,049
Noninterest expense to average assets4.7171%449
Loan and lease loss provision to assets0.2578%1,381
Net operating income to assets-2.7372%6,952
Return on assets (ROA)-2.7372%6,953
Pretax return on assets-2.6505%6,945
Return on Equity (ROE)-106.0626%7,005
Retained earnings to average equity (ytd only)-106.0626%7,004
Net charge-offs to loans0.7042%869
Credit loss provision to net charge-offs69.3252%2,306
Earnings coverage of net charge-offs (x)-6.4346%4,086
Efficiency ratio201.7177%37
Assets per employee ($millions)3.1631%5,708
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.4816%1,142
Loan loss allowance to noncurrent loans117.7702%2,926
Noncurrent assets plus other real estate owned to assets2.3225%2,000
Noncurrent loans to loans2.1072%2,497
Net loans and leases to total assets50.9765%4,847
Net loans and leases to deposits53.4921%5,471
Net loans and leases to core deposits64.4439%4,700
Total domestic deposits to total assets95.2972%41
Equity capital to assets2.2430%7,001
Core capital (leverage) ratio1.9047%7,006
Tier 1 risk-based capital ratio3.4122%6,990
Total risk-based capital ratio4.6758%6,991
Memoranda:
Average total assets$1,052,009,000638
Average earning assets$956,787,000632
Average equity$27,150,0002,513
Average total loans$555,523,000751
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6095%6,214
Cost of funding earning assets1.2655%424
Net interest margin2.3440%6,816
Noninterest income to average assets0.3069%5,251
Noninterest expense to average assets3.7253%1,370
Loan and lease loss provision to assets1.8854%125
Net operating income to assets-3.3051%7,022
Return on assets (ROA)-3.2912%7,026
Pretax return on assets-3.1593%7,023
Return on Equity (ROE)-69.7169%7,048
Retained earnings to average equity (ytd only)-69.7169%7,047
Net charge-offs to loans4.5597%46
Credit loss provision to net charge-offs78.2495%3,883
Earnings coverage of net charge-offs (x)-0.5345%5,681
Efficiency ratio151.4179%90
Assets per employee ($millions)3.2618%5,488
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.4336%1,192
Loan loss allowance to noncurrent loans51.6351%5,045
Noncurrent assets plus other real estate owned to assets3.7774%1,169
Noncurrent loans to loans4.7132%880
Net loans and leases to total assets52.0289%4,920
Net loans and leases to deposits54.8334%5,567
Net loans and leases to core deposits67.8553%4,553
Total domestic deposits to total assets94.8854%46
Equity capital to assets2.9114%7,040
Core capital (leverage) ratio2.4846%7,046
Tier 1 risk-based capital ratio4.5408%7,030
Total risk-based capital ratio5.8044%7,031
Memoranda:
Average total assets$1,106,743,000596
Average earning assets$1,005,957,400586
Average equity$52,247,0001,363
Average total loans$584,824,400706
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7076%6,207
Cost of funding earning assets1.2937%448
Net interest margin2.4139%6,882
Noninterest income to average assets0.1875%6,175
Noninterest expense to average assets3.6442%1,467
Loan and lease loss provision to assets1.2517%288
Net operating income to assets-2.5319%7,091
Return on assets (ROA)-2.5148%7,093
Pretax return on assets-2.4973%7,080
Return on Equity (ROE)-48.8188%7,117
Retained earnings to average equity (ytd only)-48.8188%7,112
Net charge-offs to loans2.8514%198
Credit loss provision to net charge-offs83.2566%3,522
Earnings coverage of net charge-offs (x)-0.8399%5,559
Efficiency ratio151.5004%85
Assets per employee ($millions)3.4377%5,124
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.0300%696
Loan loss allowance to noncurrent loans50.2211%5,114
Noncurrent assets plus other real estate owned to assets4.5316%1,018
Noncurrent loans to loans6.0334%675
Net loans and leases to total assets50.0996%5,303
Net loans and leases to deposits53.5512%5,841
Net loans and leases to core deposits65.6979%4,987
Total domestic deposits to total assets93.5546%83
Equity capital to assets4.1235%7,097
Core capital (leverage) ratio3.7731%7,102
Tier 1 risk-based capital ratio7.0206%7,045
Total risk-based capital ratio8.2915%7,046
Memoranda:
Average total assets$1,117,591,000591
Average earning assets$1,015,703,750583
Average equity$57,569,2501,239
Average total loans$589,268,000702
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7981%6,144
Cost of funding earning assets1.3265%466
Net interest margin2.4716%6,914
Noninterest income to average assets0.6517%2,947
Noninterest expense to average assets4.0680%868
Loan and lease loss provision to assets1.0647%410
Net operating income to assets-2.2204%7,095
Return on assets (ROA)-2.2203%7,105
Pretax return on assets-2.2369%7,093
Return on Equity (ROE)-40.4152%7,146
Retained earnings to average equity (ytd only)-40.4152%7,140
Net charge-offs to loans2.0058%415
Credit loss provision to net charge-offs100.0000%2,712
Earnings coverage of net charge-offs (x)-1.1012%5,317
Efficiency ratio139.1793%125
Assets per employee ($millions)3.4543%5,084
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.3140%584
Loan loss allowance to noncurrent loans43.8028%5,464
Noncurrent assets plus other real estate owned to assets5.8461%739
Noncurrent loans to loans7.5656%475
Net loans and leases to total assets51.4109%5,167
Net loans and leases to deposits55.3740%5,723
Net loans and leases to core deposits70.2744%4,504
Total domestic deposits to total assets92.8431%135
Equity capital to assets4.9233%7,099
Core capital (leverage) ratio4.5376%7,099
Tier 1 risk-based capital ratio8.0629%7,036
Total risk-based capital ratio9.3364%7,037
Memoranda:
Average total assets$1,117,708,670591
Average earning assets$1,014,729,670585
Average equity$61,402,6701,163
Average total loans$593,283,330695
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8137%6,219
Cost of funding earning assets1.3595%489
Net interest margin2.4542%6,979
Noninterest income to average assets0.5876%3,313
Noninterest expense to average assets4.0310%903
Loan and lease loss provision to assets0.6430%854
Net operating income to assets-1.9671%7,152
Return on assets (ROA)-1.9671%7,153
Pretax return on assets-1.8604%7,125
Return on Equity (ROE)-34.0525%7,183
Retained earnings to average equity (ytd only)-34.0525%7,160
Net charge-offs to loans1.6230%608
Credit loss provision to net charge-offs74.6993%2,834
Earnings coverage of net charge-offs (x)-1.4144%4,584
Efficiency ratio141.7587%128
Assets per employee ($millions)3.6688%4,724
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.1445%718
Loan loss allowance to noncurrent loans40.5449%5,584
Noncurrent assets plus other real estate owned to assets6.3322%720
Noncurrent loans to loans7.7556%516
Net loans and leases to total assets51.7641%5,053
Net loans and leases to deposits56.1604%5,582
Net loans and leases to core deposits72.8368%4,042
Total domestic deposits to total assets92.1719%228
Equity capital to assets5.4749%7,111
Core capital (leverage) ratio5.1870%7,102
Tier 1 risk-based capital ratio8.9925%7,028
Total risk-based capital ratio10.2641%7,030
Memoranda:
Average total assets$1,120,418,500588
Average earning assets$1,016,228,500587
Average equity$64,723,5001,087
Average total loans$594,206,000696
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2464%5,927
Cost of funding earning assets1.4792%776
Net interest margin2.7672%6,859
Noninterest income to average assets0.6198%3,063
Noninterest expense to average assets4.1185%889
Loan and lease loss provision to assets0.9714%986
Net operating income to assets-2.0239%7,031
Return on assets (ROA)-2.0239%7,041
Pretax return on assets-1.9729%7,017
Return on Equity (ROE)-27.9561%7,078
Retained earnings to average equity (ytd only)-27.9561%7,070
Net charge-offs to loans2.3613%520
Credit loss provision to net charge-offs71.2794%4,808
Earnings coverage of net charge-offs (x)-0.7349%6,148
Efficiency ratio130.7372%226
Assets per employee ($millions)3.7029%4,548
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.3533%594
Loan loss allowance to noncurrent loans39.4136%5,641
Noncurrent assets plus other real estate owned to assets6.7399%695
Noncurrent loans to loans8.5080%443
Net loans and leases to total assets50.8525%5,484
Net loans and leases to deposits55.3394%5,947
Net loans and leases to core deposits74.5667%4,164
Total domestic deposits to total assets91.8919%252
Equity capital to assets6.0838%7,089
Core capital (leverage) ratio5.6358%7,085
Tier 1 risk-based capital ratio9.6605%6,923
Total risk-based capital ratio10.9326%6,918
Memoranda:
Average total assets$1,124,154,200583
Average earning assets$1,014,403,200579
Average equity$81,384,600821
Average total loans$648,800,800635
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3407%5,811
Cost of funding earning assets1.4869%912
Net interest margin2.8537%6,822
Noninterest income to average assets0.6094%3,108
Noninterest expense to average assets3.9692%1,042
Loan and lease loss provision to assets0.8740%1,039
Net operating income to assets-1.6851%7,085
Return on assets (ROA)-1.6851%7,094
Pretax return on assets-1.6618%7,054
Return on Equity (ROE)-22.3958%7,128
Retained earnings to average equity (ytd only)-22.3958%7,117
Net charge-offs to loans2.5349%424
Credit loss provision to net charge-offs58.4685%4,841
Earnings coverage of net charge-offs (x)-0.5270%5,840
Efficiency ratio123.4509%271
Assets per employee ($millions)4.9422%2,272
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.1021%796
Loan loss allowance to noncurrent loans37.2578%5,797
Noncurrent assets plus other real estate owned to assets6.8593%732
Noncurrent loans to loans8.3261%515
Net loans and leases to total assets52.2046%5,420
Net loans and leases to deposits57.3843%5,902
Net loans and leases to core deposits80.0882%3,623
Total domestic deposits to total assets90.9736%440
Equity capital to assets6.8619%7,077
Core capital (leverage) ratio6.4177%7,084
Tier 1 risk-based capital ratio10.6431%6,723
Total risk-based capital ratio11.9126%6,704
Memoranda:
Average total assets$1,127,479,000589
Average earning assets$1,016,195,250587
Average equity$84,835,250795
Average total loans$664,876,750628
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4575%5,501
Cost of funding earning assets1.5075%982
Net interest margin2.9500%6,693
Noninterest income to average assets0.6232%2,984
Noninterest expense to average assets3.9945%1,062
Loan and lease loss provision to assets0.6214%1,541
Net operating income to assets-1.3778%7,061
Return on assets (ROA)-1.3778%7,068
Pretax return on assets-1.3344%7,011
Return on Equity (ROE)-17.7924%7,127
Retained earnings to average equity (ytd only)-17.7924%7,108
Net charge-offs to loans1.4668%1,017
Credit loss provision to net charge-offs69.8447%4,058
Earnings coverage of net charge-offs (x)-0.8014%5,603
Efficiency ratio120.4587%341
Assets per employee ($millions)4.7297%2,506
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.4842%600
Loan loss allowance to noncurrent loans40.3557%5,632
Noncurrent assets plus other real estate owned to assets7.5178%639
Noncurrent loans to loans8.6337%494
Net loans and leases to total assets56.2784%4,947
Net loans and leases to deposits62.3300%5,461
Net loans and leases to core deposits89.0763%2,486
Total domestic deposits to total assets90.2910%819
Equity capital to assets7.5284%6,934
Core capital (leverage) ratio7.0623%6,971
Tier 1 risk-based capital ratio11.0048%6,529
Total risk-based capital ratio12.2790%6,491
Memoranda:
Average total assets$1,129,344,670591
Average earning assets$1,017,711,670588
Average equity$87,453,000770
Average total loans$685,027,670616
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4996%5,340
Cost of funding earning assets1.5456%993
Net interest margin2.9540%6,669
Noninterest income to average assets0.7024%2,564
Noninterest expense to average assets3.8459%1,259
Loan and lease loss provision to assets0.3100%2,689
Net operating income to assets-0.8834%7,002
Return on assets (ROA)-0.8834%7,004
Pretax return on assets-0.7887%6,915
Return on Equity (ROE)-11.2556%7,054
Retained earnings to average equity (ytd only)-11.2556%6,913
Net charge-offs to loans1.3529%1,023
Credit loss provision to net charge-offs37.0805%4,000
Earnings coverage of net charge-offs (x)-0.5726%4,817
Efficiency ratio113.0077%442
Assets per employee ($millions)4.8446%2,356
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.2960%712
Loan loss allowance to noncurrent loans39.6001%5,651
Noncurrent assets plus other real estate owned to assets7.6179%652
Noncurrent loans to loans8.3232%575
Net loans and leases to total assets59.2460%4,419
Net loans and leases to deposits65.7950%5,003
Net loans and leases to core deposits93.7951%1,909
Total domestic deposits to total assets90.0463%1,127
Equity capital to assets7.9125%6,582
Core capital (leverage) ratio7.3134%6,848
Tier 1 risk-based capital ratio11.1096%6,427
Total risk-based capital ratio12.3818%6,382
Memoranda:
Average total assets$1,140,643,500589
Average earning assets$1,028,972,500590
Average equity$89,519,500750
Average total loans$704,869,500606
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7133%5,762
Cost of funding earning assets1.7394%1,428
Net interest margin2.9739%6,786
Noninterest income to average assets0.6158%3,373
Noninterest expense to average assets3.3432%2,599
Loan and lease loss provision to assets2.5985%419
Net operating income to assets-3.3995%7,358
Return on assets (ROA)-3.3951%7,371
Pretax return on assets-2.6267%7,204
Return on Equity (ROE)-37.0245%7,313
Retained earnings to average equity (ytd only)-37.0245%7,303
Net charge-offs to loans4.2817%269
Credit loss provision to net charge-offs93.0933%4,982
Earnings coverage of net charge-offs (x)-0.0117%6,141
Efficiency ratio99.9159%779
Assets per employee ($millions)5.0521%2,080
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.3008%683
Loan loss allowance to noncurrent loans40.7332%5,590
Noncurrent assets plus other real estate owned to assets7.1394%754
Noncurrent loans to loans8.1035%632
Net loans and leases to total assets60.2458%4,638
Net loans and leases to deposits66.8384%5,286
Net loans and leases to core deposits95.3924%2,080
Total domestic deposits to total assets90.1366%1,020
Equity capital to assets7.7867%6,682
Core capital (leverage) ratio7.0626%6,992
Tier 1 risk-based capital ratio10.9042%6,409
Total risk-based capital ratio12.1769%6,357
Memoranda:
Average total assets$1,292,622,000523
Average earning assets$1,171,318,800520
Average equity$118,532,400572
Average total loans$842,678,200529
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7533%5,836
Cost of funding earning assets1.7671%1,561
Net interest margin2.9862%6,861
Noninterest income to average assets0.6232%3,291
Noninterest expense to average assets3.2087%2,898
Loan and lease loss provision to assets2.6591%373
Net operating income to assets-3.2401%7,482
Return on assets (ROA)-3.2343%7,495
Pretax return on assets-2.5331%7,324
Return on Equity (ROE)-34.1363%7,445
Retained earnings to average equity (ytd only)-34.1363%7,441
Net charge-offs to loans4.2188%275
Credit loss provision to net charge-offs95.7502%4,525
Earnings coverage of net charge-offs (x)0.0433%5,987
Efficiency ratio95.3355%933
Assets per employee ($millions)5.1208%2,031
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.2569%664
Loan loss allowance to noncurrent loans41.4348%5,529
Noncurrent assets plus other real estate owned to assets6.7502%827
Noncurrent loans to loans7.8604%669
Net loans and leases to total assets60.4409%4,826
Net loans and leases to deposits67.5073%5,488
Net loans and leases to core deposits99.0939%1,934
Total domestic deposits to total assets89.5324%1,108
Equity capital to assets8.3853%6,412
Core capital (leverage) ratio7.4262%6,903
Tier 1 risk-based capital ratio11.6534%5,782
Total risk-based capital ratio12.9258%5,730
Memoranda:
Average total assets$1,324,018,250505
Average earning assets$1,199,679,250503
Average equity$125,447,000534
Average total loans$871,575,000513
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8232%5,708
Cost of funding earning assets1.7720%1,757
Net interest margin3.0512%6,719
Noninterest income to average assets0.5860%3,440
Noninterest expense to average assets3.0636%3,457
Loan and lease loss provision to assets1.1844%1,187
Net operating income to assets-0.4711%6,621
Return on assets (ROA)-0.4657%6,656
Pretax return on assets-0.8918%6,841
Return on Equity (ROE)-4.7478%6,677
Retained earnings to average equity (ytd only)-4.7478%6,525
Net charge-offs to loans1.6966%1,102
Credit loss provision to net charge-offs104.4125%3,906
Earnings coverage of net charge-offs (x)0.2505%5,477
Efficiency ratio90.4808%1,300
Assets per employee ($millions)5.2251%1,901
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.1515%733
Loan loss allowance to noncurrent loans45.7218%5,252
Noncurrent assets plus other real estate owned to assets5.7397%1,053
Noncurrent loans to loans6.8927%837
Net loans and leases to total assets61.8824%4,705
Net loans and leases to deposits70.5247%5,199
Net loans and leases to core deposits104.7190%1,565
Total domestic deposits to total assets87.7457%2,141
Equity capital to assets9.9884%4,039
Core capital (leverage) ratio8.7514%5,005
Tier 1 risk-based capital ratio12.9854%4,457
Total risk-based capital ratio14.2571%4,392
Memoranda:
Average total assets$1,350,573,330490
Average earning assets$1,222,466,670491
Average equity$132,481,670503
Average total loans$902,960,670496
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9212%5,347
Cost of funding earning assets1.7914%1,911
Net interest margin3.1298%6,516
Noninterest income to average assets0.5475%3,667
Noninterest expense to average assets2.8286%4,375
Loan and lease loss provision to assets1.2853%946
Net operating income to assets-0.3717%6,741
Return on assets (ROA)-0.3610%6,773
Pretax return on assets-0.7217%6,909
Return on Equity (ROE)-3.7131%6,799
Retained earnings to average equity (ytd only)-3.7131%6,461
Net charge-offs to loans2.0500%835
Credit loss provision to net charge-offs91.7857%3,625
Earnings coverage of net charge-offs (x)0.3905%4,685
Efficiency ratio82.7697%2,168
Assets per employee ($millions)5.0478%2,174
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.8825%911
Loan loss allowance to noncurrent loans48.0699%5,139
Noncurrent assets plus other real estate owned to assets5.3018%1,182
Noncurrent loans to loans5.9964%1,097
Net loans and leases to total assets64.2865%4,266
Net loans and leases to deposits73.0023%4,904
Net loans and leases to core deposits107.2824%1,473
Total domestic deposits to total assets88.0608%2,026
Equity capital to assets9.9013%3,991
Core capital (leverage) ratio8.9246%4,687
Tier 1 risk-based capital ratio12.4755%4,779
Total risk-based capital ratio13.7437%4,709
Memoranda:
Average total assets$1,359,659,500504
Average earning assets$1,228,563,500503
Average equity$132,179,500513
Average total loans$928,765,000504
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6808%3,204
Cost of funding earning assets2.0578%2,691
Net interest margin3.6230%4,459
Noninterest income to average assets0.7417%2,732
Noninterest expense to average assets5.3868%417
Loan and lease loss provision to assets2.0025%1,084
Net operating income to assets-2.7132%7,322
Return on assets (ROA)-2.7132%7,332
Pretax return on assets-3.4104%7,394
Return on Equity (ROE)-26.4811%7,326
Retained earnings to average equity (ytd only)-27.3875%7,324
Net charge-offs to loans1.6642%1,520
Credit loss provision to net charge-offs155.9639%2,907
Earnings coverage of net charge-offs (x)-1.0966%6,897
Efficiency ratio80.5747%2,803
Assets per employee ($millions)4.8610%2,392
Cash dividends to net income (ytd only)*-3.4227%7,477
Condition Ratios (%)
Loss allowance to loans2.7827%947
Loan loss allowance to noncurrent loans53.0073%4,815
Noncurrent assets plus other real estate owned to assets4.8314%1,298
Noncurrent loans to loans5.2497%1,254
Net loans and leases to total assets68.4884%3,593
Net loans and leases to deposits78.0755%4,356
Net loans and leases to core deposits95.9548%4,473
Total domestic deposits to total assets87.7208%2,112
Equity capital to assets9.5396%4,371
Core capital (leverage) ratio9.6140%3,578
Tier 1 risk-based capital ratio11.5351%5,361
Total risk-based capital ratio12.8012%5,307
Memoranda:
Average total assets$1,267,438,000533
Average earning assets$1,132,423,000533
Average equity$129,858,600516
Average total loans$977,807,400484
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8586%2,634
Cost of funding earning assets2.1749%2,532
Net interest margin3.6837%4,145
Noninterest income to average assets0.7768%2,565
Noninterest expense to average assets6.0661%301
Loan and lease loss provision to assets2.1876%794
Net operating income to assets-3.3500%7,663
Return on assets (ROA)-3.3500%7,665
Pretax return on assets-4.1958%7,719
Return on Equity (ROE)-32.0968%7,646
Retained earnings to average equity (ytd only)-33.3041%7,659
Net charge-offs to loans1.6459%1,234
Credit loss provision to net charge-offs168.3210%2,778
Earnings coverage of net charge-offs (x)-1.5452%6,702
Efficiency ratio76.8742%3,347
Assets per employee ($millions)4.2454%3,294
Cash dividends to net income (ytd only)*-3.7614%7,681
Condition Ratios (%)
Loss allowance to loans2.6637%914
Loan loss allowance to noncurrent loans73.7256%3,660
Noncurrent assets plus other real estate owned to assets4.0823%1,555
Noncurrent loans to loans3.6130%2,066
Net loans and leases to total assets78.1236%1,545
Net loans and leases to deposits91.7763%2,272
Net loans and leases to core deposits114.9252%2,735
Total domestic deposits to total assets85.1239%3,163
Equity capital to assets8.9545%5,546
Core capital (leverage) ratio8.0326%6,302
Tier 1 risk-based capital ratio9.4422%7,412
Total risk-based capital ratio10.7073%7,368
Memoranda:
Average total assets$1,246,457,000552
Average earning assets$1,110,232,000558
Average equity$130,094,750525
Average total loans$984,254,750497
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8670%2,731
Cost of funding earning assets2.2236%2,691
Net interest margin3.6434%4,201
Noninterest income to average assets0.7523%2,689
Noninterest expense to average assets3.0710%3,811
Loan and lease loss provision to assets1.7722%939
Net operating income to assets-0.4557%6,501
Return on assets (ROA)-0.4557%6,506
Pretax return on assets-0.8660%6,726
Return on Equity (ROE)-4.1774%6,498
Retained earnings to average equity (ytd only)-5.8896%6,432
Net charge-offs to loans1.8746%1,004
Credit loss provision to net charge-offs120.3488%3,856
Earnings coverage of net charge-offs (x)0.6154%5,094
Efficiency ratio76.1620%3,659
Assets per employee ($millions)4.3106%3,098
Cash dividends to net income (ytd only)*-40.9882%7,995
Condition Ratios (%)
Loss allowance to loans1.9902%1,584
Loan loss allowance to noncurrent loans63.9197%4,237
Noncurrent assets plus other real estate owned to assets3.4826%1,785
Noncurrent loans to loans3.1136%2,298
Net loans and leases to total assets76.7266%2,009
Net loans and leases to deposits91.6499%2,533
Net loans and leases to core deposits114.5900%2,843
Total domestic deposits to total assets83.7170%3,913
Equity capital to assets10.8982%3,021
Core capital (leverage) ratio8.1323%6,108
Tier 1 risk-based capital ratio9.4776%7,406
Total risk-based capital ratio10.6537%7,438
Memoranda:
Average total assets$1,261,462,330557
Average earning assets$1,116,583,330569
Average equity$137,598,670508
Average total loans$990,908,000511
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8894%2,853
Cost of funding earning assets2.2173%3,076
Net interest margin3.6721%4,008
Noninterest income to average assets0.7195%2,766
Noninterest expense to average assets2.9450%3,991
Loan and lease loss provision to assets1.5662%802
Net operating income to assets-0.2616%6,634
Return on assets (ROA)-0.2616%6,711
Pretax return on assets-0.5471%6,856
Return on Equity (ROE)-2.3974%6,711
Retained earnings to average equity (ytd only)-2.3974%6,176
Net charge-offs to loans0.9356%1,416
Credit loss provision to net charge-offs212.7560%2,119
Earnings coverage of net charge-offs (x)1.3844%4,041
Efficiency ratio73.2214%3,972
Assets per employee ($millions)4.3728%2,932
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.0176%1,373
Loan loss allowance to noncurrent loans62.3556%4,460
Noncurrent assets plus other real estate owned to assets3.4129%1,587
Noncurrent loans to loans3.2357%1,992
Net loans and leases to total assets76.4349%2,177
Net loans and leases to deposits88.3536%3,227
Net loans and leases to core deposits107.9774%3,682
Total domestic deposits to total assets86.5102%2,438
Equity capital to assets10.9057%3,064
Core capital (leverage) ratio8.1977%6,109
Tier 1 risk-based capital ratio9.5794%7,364
Total risk-based capital ratio10.7580%7,366
Memoranda:
Average total assets$1,273,621,500556
Average earning assets$1,125,342,000567
Average equity$138,984,500500
Average total loans$1,002,115,500511
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8576%1,521
Cost of funding earning assets2.7666%2,846
Net interest margin4.0910%2,753
Noninterest income to average assets0.8550%2,199
Noninterest expense to average assets3.1995%3,336
Loan and lease loss provision to assets1.2519%1,142
Net operating income to assets0.0887%6,138
Return on assets (ROA)0.1003%5,954
Pretax return on assets0.0468%6,057
Return on Equity (ROE)0.8854%5,953
Retained earnings to average equity (ytd only)-3.6819%6,262
Net charge-offs to loans0.9363%1,320
Credit loss provision to net charge-offs169.1290%3,038
Earnings coverage of net charge-offs (x)1.7388%5,203
Efficiency ratio69.8989%4,371
Assets per employee ($millions)4.3656%2,854
Cash dividends to net income (ytd only)*515.8730%89
Condition Ratios (%)
Loss allowance to loans1.7186%1,850
Loan loss allowance to noncurrent loans82.1636%4,044
Noncurrent assets plus other real estate owned to assets2.2203%2,200
Noncurrent loans to loans2.0917%2,642
Net loans and leases to total assets77.9909%2,137
Net loans and leases to deposits92.0856%3,120
Net loans and leases to core deposits113.8836%3,355
Total domestic deposits to total assets84.6939%2,982
Equity capital to assets10.9194%3,104
Core capital (leverage) ratio8.3425%5,867
Tier 1 risk-based capital ratio9.4066%7,406
Total risk-based capital ratio10.6608%7,320
Memoranda:
Average total assets$1,256,426,600540
Average earning assets$1,115,310,400550
Average equity$142,316,000491
Average total loans$993,251,400496