Home > Gate City Bank > Performance and Condition Ratios
Gate City Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 4,097 |
| Cost of funding earning assets | 0.9946% | 3,309 |
| Net interest margin | 2.8882% | 3,511 |
| Noninterest income to average assets | 1.9200% | 281 |
| Noninterest expense to average assets | 4.0240% | 363 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4105% | 3,846 |
| Return on assets (ROA) | 0.4088% | 3,850 |
| Pretax return on assets | 0.5462% | 3,733 |
| Return on Equity (ROE) | 4.6700% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.6665% | 2,725 |
| Net charge-offs to loans | 0.1089% | 857 |
| Credit loss provision to net charge-offs | 87.2865% | 1,968 |
| Earnings coverage of net charge-offs (x) | 6.9517% | 2,437 |
| Efficiency ratio | 86.7414% | 527 |
| Assets per employee ($millions) | 5.2247% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 4,199 |
| Loan loss allowance to noncurrent loans | 121.9553% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 1,275 |
| Noncurrent loans to loans | 0.5245% | 1,478 |
| Net loans and leases to total assets | 81.4300% | 486 |
| Net loans and leases to deposits | 96.8005% | 731 |
| Net loans and leases to core deposits | 100.4036% | 1,411 |
| Total domestic deposits to total assets | 84.1200% | 2,592 |
| Equity capital to assets | 8.9189% | 2,731 |
| Core capital (leverage) ratio | 9.6755% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,440,398,000 | 356 |
| Average earning assets | $3,243,341,000 | 345 |
| Average equity | $301,360,000 | 396 |
| Average total loans | $2,795,228,000 | 316 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,116 |
| Cost of funding earning assets | 0.8982% | 3,277 |
| Net interest margin | 2.9008% | 3,543 |
| Noninterest income to average assets | 1.8900% | 301 |
| Noninterest expense to average assets | 3.9712% | 367 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4656% | 3,833 |
| Return on assets (ROA) | 0.4633% | 3,841 |
| Pretax return on assets | 0.6201% | 3,707 |
| Return on Equity (ROE) | 5.3100% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3138% | 2,841 |
| Net charge-offs to loans | 0.0942% | 821 |
| Credit loss provision to net charge-offs | 64.3731% | 1,838 |
| Earnings coverage of net charge-offs (x) | 8.6193% | 2,188 |
| Efficiency ratio | 85.7860% | 525 |
| Assets per employee ($millions) | 5.0789% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 4,228 |
| Loan loss allowance to noncurrent loans | 126.9255% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 1,402 |
| Noncurrent loans to loans | 0.4974% | 1,572 |
| Net loans and leases to total assets | 81.7200% | 462 |
| Net loans and leases to deposits | 96.3393% | 731 |
| Net loans and leases to core deposits | 99.5007% | 1,346 |
| Total domestic deposits to total assets | 84.8200% | 2,553 |
| Equity capital to assets | 8.6153% | 2,657 |
| Core capital (leverage) ratio | 9.6608% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,426,662,750 | 363 |
| Average earning assets | $3,231,303,250 | 351 |
| Average equity | $298,763,750 | 398 |
| Average total loans | $2,777,871,250 | 321 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 4,131 |
| Cost of funding earning assets | 0.8005% | 3,201 |
| Net interest margin | 2.9109% | 3,629 |
| Noninterest income to average assets | 1.8400% | 263 |
| Noninterest expense to average assets | 3.9360% | 356 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4605% | 3,890 |
| Return on assets (ROA) | 0.4571% | 3,903 |
| Pretax return on assets | 0.6114% | 3,780 |
| Return on Equity (ROE) | 5.2200% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.2214% | 2,884 |
| Net charge-offs to loans | 0.0812% | 779 |
| Credit loss provision to net charge-offs | 60.0179% | 1,629 |
| Earnings coverage of net charge-offs (x) | 9.9741% | 2,005 |
| Efficiency ratio | 85.7604% | 505 |
| Assets per employee ($millions) | 4.9838% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 4,239 |
| Loan loss allowance to noncurrent loans | 143.5251% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 1,438 |
| Noncurrent loans to loans | 0.4533% | 1,581 |
| Net loans and leases to total assets | 81.1000% | 505 |
| Net loans and leases to deposits | 97.2694% | 654 |
| Net loans and leases to core deposits | 98.4895% | 1,317 |
| Total domestic deposits to total assets | 83.3800% | 2,962 |
| Equity capital to assets | 8.7863% | 2,668 |
| Core capital (leverage) ratio | 9.5925% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,412,581,667 | 351 |
| Average earning assets | $3,219,387,000 | 339 |
| Average equity | $298,732,333 | 386 |
| Average total loans | $2,752,908,667 | 312 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 4,141 |
| Cost of funding earning assets | 0.7036% | 3,044 |
| Net interest margin | 2.9101% | 3,778 |
| Noninterest income to average assets | 1.6900% | 290 |
| Noninterest expense to average assets | 3.9250% | 374 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3456% | 4,174 |
| Return on assets (ROA) | 0.3456% | 4,130 |
| Pretax return on assets | 0.4628% | 4,037 |
| Return on Equity (ROE) | 3.9600% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.9552% | 3,281 |
| Net charge-offs to loans | 0.0844% | 657 |
| Credit loss provision to net charge-offs | 64.6957% | 1,264 |
| Earnings coverage of net charge-offs (x) | 7.4696% | 1,756 |
| Efficiency ratio | 88.5929% | 405 |
| Assets per employee ($millions) | 4.6859% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,279 |
| Loan loss allowance to noncurrent loans | 151.5392% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 1,436 |
| Noncurrent loans to loans | 0.4445% | 1,610 |
| Net loans and leases to total assets | 80.1200% | 530 |
| Net loans and leases to deposits | 93.9577% | 787 |
| Net loans and leases to core deposits | 94.7568% | 1,344 |
| Total domestic deposits to total assets | 85.2700% | 2,790 |
| Equity capital to assets | 8.8230% | 2,650 |
| Core capital (leverage) ratio | 9.5119% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,399,476,000 | 365 |
| Average earning assets | $3,206,575,500 | 349 |
| Average equity | $297,027,500 | 397 |
| Average total loans | $2,725,751,500 | 322 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1336% | 3,938 |
| Cost of funding earning assets | 0.2132% | 3,648 |
| Net interest margin | 2.9204% | 3,635 |
| Noninterest income to average assets | 1.8900% | 269 |
| Noninterest expense to average assets | 3.7228% | 409 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.6266% | 3,813 |
| Return on assets (ROA) | 0.6266% | 3,766 |
| Pretax return on assets | 0.8258% | 3,559 |
| Return on Equity (ROE) | 6.9900% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.9948% | 2,246 |
| Net charge-offs to loans | 0.0817% | 839 |
| Credit loss provision to net charge-offs | 168.4263% | 1,222 |
| Earnings coverage of net charge-offs (x) | 15.1524% | 2,009 |
| Efficiency ratio | 80.0276% | 717 |
| Assets per employee ($millions) | 4.8186% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 4,300 |
| Loan loss allowance to noncurrent loans | 147.8534% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 1,468 |
| Noncurrent loans to loans | 0.4299% | 1,634 |
| Net loans and leases to total assets | 79.1900% | 679 |
| Net loans and leases to deposits | 92.1784% | 905 |
| Net loans and leases to core deposits | 92.7801% | 1,352 |
| Total domestic deposits to total assets | 85.9100% | 2,757 |
| Equity capital to assets | 8.6515% | 2,593 |
| Core capital (leverage) ratio | 9.7080% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,274,807,400 | 364 |
| Average earning assets | $3,097,087,600 | 347 |
| Average equity | $293,375,600 | 393 |
| Average total loans | $2,457,263,000 | 322 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0059% | 3,877 |
| Cost of funding earning assets | 0.1494% | 3,848 |
| Net interest margin | 2.8565% | 3,603 |
| Noninterest income to average assets | 1.9300% | 277 |
| Noninterest expense to average assets | 3.7914% | 378 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.5592% | 3,945 |
| Return on assets (ROA) | 0.5592% | 3,892 |
| Pretax return on assets | 0.7312% | 3,736 |
| Return on Equity (ROE) | 6.1900% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.1863% | 2,684 |
| Net charge-offs to loans | 0.0742% | 780 |
| Credit loss provision to net charge-offs | 209.6774% | 955 |
| Earnings coverage of net charge-offs (x) | 15.4486% | 1,844 |
| Efficiency ratio | 81.7567% | 665 |
| Assets per employee ($millions) | 4.7246% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6609% | 4,314 |
| Loan loss allowance to noncurrent loans | 148.1771% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 1,517 |
| Noncurrent loans to loans | 0.4460% | 1,694 |
| Net loans and leases to total assets | 78.8500% | 629 |
| Net loans and leases to deposits | 89.3569% | 938 |
| Net loans and leases to core deposits | 89.9471% | 1,300 |
| Total domestic deposits to total assets | 88.2400% | 2,346 |
| Equity capital to assets | 8.5119% | 2,539 |
| Core capital (leverage) ratio | 9.7330% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,245,437,500 | 366 |
| Average earning assets | $3,073,245,500 | 351 |
| Average equity | $293,348,500 | 393 |
| Average total loans | $2,395,702,750 | 323 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8679% | 3,856 |
| Cost of funding earning assets | 0.1254% | 3,907 |
| Net interest margin | 2.7424% | 3,597 |
| Noninterest income to average assets | 1.7249% | 280 |
| Noninterest expense to average assets | 3.5294% | 431 |
| Loan and lease loss provision to assets | 0.1151% | 871 |
| Net operating income to assets | 0.5068% | 3,876 |
| Return on assets (ROA) | 0.5068% | 3,831 |
| Pretax return on assets | 0.6785% | 3,631 |
| Return on Equity (ROE) | 5.4975% | 3,705 |
| Retained earnings to average equity (ytd only) | 5.4975% | 2,513 |
| Net charge-offs to loans | 0.0807% | 668 |
| Credit loss provision to net charge-offs | 198.3991% | 975 |
| Earnings coverage of net charge-offs (x) | 13.6777% | 1,681 |
| Efficiency ratio | 81.6411% | 825 |
| Assets per employee ($millions) | 4.6140% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 4,367 |
| Loan loss allowance to noncurrent loans | 140.1306% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 1,501 |
| Noncurrent loans to loans | 0.4842% | 1,659 |
| Net loans and leases to total assets | 75.2965% | 792 |
| Net loans and leases to deposits | 83.3348% | 1,165 |
| Net loans and leases to core deposits | 83.8936% | 1,456 |
| Total domestic deposits to total assets | 90.3542% | 1,547 |
| Equity capital to assets | 8.8585% | 2,488 |
| Core capital (leverage) ratio | 9.7830% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,229,577,333 | 362 |
| Average earning assets | $3,059,622,333 | 351 |
| Average equity | $297,698,333 | 390 |
| Average total loans | $2,323,038,333 | 323 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7315% | 3,886 |
| Cost of funding earning assets | 0.1352% | 3,698 |
| Net interest margin | 2.5962% | 3,665 |
| Noninterest income to average assets | 1.7876% | 283 |
| Noninterest expense to average assets | 3.6406% | 371 |
| Loan and lease loss provision to assets | 0.0740% | 1,121 |
| Net operating income to assets | 0.3998% | 3,953 |
| Return on assets (ROA) | 0.3998% | 3,918 |
| Pretax return on assets | 0.5331% | 3,807 |
| Return on Equity (ROE) | 4.2530% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.2530% | 2,850 |
| Net charge-offs to loans | 0.0652% | 678 |
| Credit loss provision to net charge-offs | 162.1253% | 838 |
| Earnings coverage of net charge-offs (x) | 13.3079% | 1,395 |
| Efficiency ratio | 85.7076% | 751 |
| Assets per employee ($millions) | 4.7153% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 4,377 |
| Loan loss allowance to noncurrent loans | 155.0561% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 1,814 |
| Noncurrent loans to loans | 0.4543% | 1,887 |
| Net loans and leases to total assets | 69.1906% | 1,096 |
| Net loans and leases to deposits | 77.6471% | 1,313 |
| Net loans and leases to core deposits | 78.2443% | 1,595 |
| Total domestic deposits to total assets | 89.1090% | 2,028 |
| Equity capital to assets | 9.0707% | 2,653 |
| Core capital (leverage) ratio | 9.9004% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,217,945,000 | 366 |
| Average earning assets | $3,049,202,500 | 356 |
| Average equity | $302,471,000 | 395 |
| Average total loans | $2,251,553,000 | 333 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9578% | 3,942 |
| Cost of funding earning assets | 0.1845% | 3,601 |
| Net interest margin | 2.7733% | 3,725 |
| Noninterest income to average assets | 2.1188% | 285 |
| Noninterest expense to average assets | 3.8524% | 335 |
| Loan and lease loss provision to assets | 0.0627% | 1,817 |
| Net operating income to assets | 0.6058% | 3,865 |
| Return on assets (ROA) | 0.6185% | 3,878 |
| Pretax return on assets | 0.8480% | 3,631 |
| Return on Equity (ROE) | 6.1539% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.1539% | 2,291 |
| Net charge-offs to loans | 0.0943% | 890 |
| Credit loss provision to net charge-offs | 91.0896% | 1,870 |
| Earnings coverage of net charge-offs (x) | 12.9971% | 2,092 |
| Efficiency ratio | 81.1517% | 738 |
| Assets per employee ($millions) | 4.6936% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 4,401 |
| Loan loss allowance to noncurrent loans | 143.2026% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 1,808 |
| Noncurrent loans to loans | 0.4960% | 1,884 |
| Net loans and leases to total assets | 69.7659% | 1,073 |
| Net loans and leases to deposits | 79.3703% | 1,265 |
| Net loans and leases to core deposits | 80.1178% | 1,582 |
| Total domestic deposits to total assets | 87.8992% | 2,100 |
| Equity capital to assets | 9.7386% | 2,899 |
| Core capital (leverage) ratio | 9.9533% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,999,590,200 | 376 |
| Average earning assets | $2,842,755,600 | 366 |
| Average equity | $301,449,000 | 398 |
| Average total loans | $2,189,486,600 | 340 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9909% | 4,018 |
| Cost of funding earning assets | 0.1944% | 3,670 |
| Net interest margin | 2.7966% | 3,789 |
| Noninterest income to average assets | 2.1528% | 310 |
| Noninterest expense to average assets | 3.8410% | 323 |
| Loan and lease loss provision to assets | 0.0698% | 1,617 |
| Net operating income to assets | 0.6658% | 3,852 |
| Return on assets (ROA) | 0.6829% | 3,871 |
| Pretax return on assets | 0.9142% | 3,664 |
| Return on Equity (ROE) | 6.7391% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.7391% | 2,526 |
| Net charge-offs to loans | 0.1059% | 714 |
| Credit loss provision to net charge-offs | 89.3187% | 1,667 |
| Earnings coverage of net charge-offs (x) | 12.3251% | 1,959 |
| Efficiency ratio | 79.9645% | 750 |
| Assets per employee ($millions) | 4.6851% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 4,467 |
| Loan loss allowance to noncurrent loans | 139.8249% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 1,974 |
| Noncurrent loans to loans | 0.5158% | 2,013 |
| Net loans and leases to total assets | 70.0655% | 1,070 |
| Net loans and leases to deposits | 79.9717% | 1,293 |
| Net loans and leases to core deposits | 80.8112% | 1,670 |
| Total domestic deposits to total assets | 87.6129% | 2,054 |
| Equity capital to assets | 9.8620% | 3,038 |
| Core capital (leverage) ratio | 10.1894% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,957,445,250 | 382 |
| Average earning assets | $2,803,078,000 | 371 |
| Average equity | $299,677,250 | 402 |
| Average total loans | $2,180,330,000 | 344 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9728% | 4,094 |
| Cost of funding earning assets | 0.2054% | 3,695 |
| Net interest margin | 2.7674% | 3,853 |
| Noninterest income to average assets | 2.1481% | 302 |
| Noninterest expense to average assets | 3.7794% | 341 |
| Loan and lease loss provision to assets | 0.0607% | 1,824 |
| Net operating income to assets | 0.6972% | 3,771 |
| Return on assets (ROA) | 0.7003% | 3,828 |
| Pretax return on assets | 0.9359% | 3,582 |
| Return on Equity (ROE) | 6.8460% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.8460% | 2,487 |
| Net charge-offs to loans | 0.1183% | 656 |
| Credit loss provision to net charge-offs | 68.5315% | 1,529 |
| Earnings coverage of net charge-offs (x) | 11.2137% | 1,770 |
| Efficiency ratio | 79.1992% | 836 |
| Assets per employee ($millions) | 4.6138% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,508 |
| Loan loss allowance to noncurrent loans | 199.0679% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 2,608 |
| Noncurrent loans to loans | 0.3591% | 2,612 |
| Net loans and leases to total assets | 72.5442% | 902 |
| Net loans and leases to deposits | 83.2551% | 1,109 |
| Net loans and leases to core deposits | 84.2328% | 1,543 |
| Total domestic deposits to total assets | 87.1349% | 2,249 |
| Equity capital to assets | 10.1162% | 2,752 |
| Core capital (leverage) ratio | 10.1219% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,907,852,000 | 384 |
| Average earning assets | $2,757,087,333 | 375 |
| Average equity | $297,457,667 | 399 |
| Average total loans | $2,176,372,333 | 343 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9695% | 4,150 |
| Cost of funding earning assets | 0.2169% | 3,760 |
| Net interest margin | 2.7526% | 3,861 |
| Noninterest income to average assets | 2.3383% | 290 |
| Noninterest expense to average assets | 3.6827% | 374 |
| Loan and lease loss provision to assets | 0.0800% | 1,617 |
| Net operating income to assets | 0.8847% | 3,166 |
| Return on assets (ROA) | 0.8910% | 3,234 |
| Pretax return on assets | 1.1934% | 2,860 |
| Return on Equity (ROE) | 8.6600% | 3,143 |
| Retained earnings to average equity (ytd only) | 8.6600% | 2,048 |
| Net charge-offs to loans | 0.1461% | 528 |
| Credit loss provision to net charge-offs | 72.2922% | 1,236 |
| Earnings coverage of net charge-offs (x) | 11.4320% | 1,454 |
| Efficiency ratio | 74.4259% | 1,269 |
| Assets per employee ($millions) | 4.6237% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7268% | 4,528 |
| Loan loss allowance to noncurrent loans | 234.0157% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 3,008 |
| Noncurrent loans to loans | 0.3106% | 2,991 |
| Net loans and leases to total assets | 72.6986% | 933 |
| Net loans and leases to deposits | 83.3027% | 1,219 |
| Net loans and leases to core deposits | 84.4013% | 1,643 |
| Total domestic deposits to total assets | 87.2704% | 2,194 |
| Equity capital to assets | 10.0465% | 2,667 |
| Core capital (leverage) ratio | 10.5924% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,869,217,000 | 386 |
| Average earning assets | $2,720,314,000 | 376 |
| Average equity | $295,196,000 | 396 |
| Average total loans | $2,173,996,500 | 343 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 3,954 |
| Cost of funding earning assets | 0.3247% | 4,006 |
| Net interest margin | 3.2099% | 3,331 |
| Noninterest income to average assets | 2.7721% | 220 |
| Noninterest expense to average assets | 4.3863% | 277 |
| Loan and lease loss provision to assets | 0.1996% | 1,961 |
| Net operating income to assets | 0.9137% | 2,635 |
| Return on assets (ROA) | 0.9371% | 2,681 |
| Pretax return on assets | 1.2514% | 2,151 |
| Return on Equity (ROE) | 8.6097% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.6097% | 875 |
| Net charge-offs to loans | 0.1005% | 1,465 |
| Credit loss provision to net charge-offs | 234.8582% | 1,995 |
| Earnings coverage of net charge-offs (x) | 16.7232% | 2,113 |
| Efficiency ratio | 75.5252% | 1,289 |
| Assets per employee ($millions) | 4.3354% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 4,535 |
| Loan loss allowance to noncurrent loans | 227.1694% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 2,991 |
| Noncurrent loans to loans | 0.3233% | 3,045 |
| Net loans and leases to total assets | 77.9052% | 611 |
| Net loans and leases to deposits | 90.0766% | 925 |
| Net loans and leases to core deposits | 91.3964% | 1,428 |
| Total domestic deposits to total assets | 86.4877% | 2,158 |
| Equity capital to assets | 10.5468% | 2,630 |
| Core capital (leverage) ratio | 10.8223% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,571,845,600 | 385 |
| Average earning assets | $2,432,276,800 | 377 |
| Average equity | $279,916,000 | 395 |
| Average total loans | $2,175,292,800 | 329 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 4,042 |
| Cost of funding earning assets | 0.3496% | 4,058 |
| Net interest margin | 3.2385% | 3,372 |
| Noninterest income to average assets | 2.7955% | 205 |
| Noninterest expense to average assets | 4.1618% | 330 |
| Loan and lease loss provision to assets | 0.2793% | 1,438 |
| Net operating income to assets | 1.0593% | 2,114 |
| Return on assets (ROA) | 1.0911% | 2,140 |
| Pretax return on assets | 1.4552% | 1,561 |
| Return on Equity (ROE) | 9.9399% | 2,040 |
| Retained earnings to average equity (ytd only) | 9.9399% | 774 |
| Net charge-offs to loans | 0.1024% | 1,291 |
| Credit loss provision to net charge-offs | 316.2874% | 1,713 |
| Earnings coverage of net charge-offs (x) | 19.1844% | 1,944 |
| Efficiency ratio | 71.0673% | 1,743 |
| Assets per employee ($millions) | 4.1582% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,478 |
| Loan loss allowance to noncurrent loans | 174.5599% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 2,693 |
| Noncurrent loans to loans | 0.4310% | 2,762 |
| Net loans and leases to total assets | 83.4875% | 324 |
| Net loans and leases to deposits | 96.8979% | 697 |
| Net loans and leases to core deposits | 98.5875% | 1,271 |
| Total domestic deposits to total assets | 86.1603% | 2,000 |
| Equity capital to assets | 10.9718% | 2,416 |
| Core capital (leverage) ratio | 11.0555% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,521,150,750 | 384 |
| Average earning assets | $2,382,676,000 | 372 |
| Average equity | $276,736,750 | 392 |
| Average total loans | $2,174,723,250 | 324 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 4,220 |
| Cost of funding earning assets | 0.3813% | 4,121 |
| Net interest margin | 3.2451% | 3,540 |
| Noninterest income to average assets | 2.4888% | 225 |
| Noninterest expense to average assets | 4.2340% | 318 |
| Loan and lease loss provision to assets | 0.3299% | 1,294 |
| Net operating income to assets | 0.7349% | 3,263 |
| Return on assets (ROA) | 0.7832% | 3,213 |
| Pretax return on assets | 1.0512% | 2,869 |
| Return on Equity (ROE) | 7.1341% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.1341% | 1,604 |
| Net charge-offs to loans | 0.1075% | 1,220 |
| Credit loss provision to net charge-offs | 352.6678% | 1,506 |
| Earnings coverage of net charge-offs (x) | 14.1093% | 1,962 |
| Efficiency ratio | 76.2340% | 1,243 |
| Assets per employee ($millions) | 3.9803% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 4,536 |
| Loan loss allowance to noncurrent loans | 213.2337% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 3,132 |
| Noncurrent loans to loans | 0.3346% | 3,192 |
| Net loans and leases to total assets | 86.1002% | 134 |
| Net loans and leases to deposits | 99.6078% | 577 |
| Net loans and leases to core deposits | 101.3930% | 1,156 |
| Total domestic deposits to total assets | 86.4392% | 1,826 |
| Equity capital to assets | 10.7573% | 2,523 |
| Core capital (leverage) ratio | 10.7866% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,484,148,333 | 384 |
| Average earning assets | $2,346,448,000 | 372 |
| Average equity | $272,717,333 | 392 |
| Average total loans | $2,161,569,667 | 317 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6741% | 4,437 |
| Cost of funding earning assets | 0.4250% | 4,257 |
| Net interest margin | 3.2491% | 3,730 |
| Noninterest income to average assets | 2.5747% | 188 |
| Noninterest expense to average assets | 4.4927% | 305 |
| Loan and lease loss provision to assets | 0.3307% | 931 |
| Net operating income to assets | 0.6064% | 3,581 |
| Return on assets (ROA) | 0.6135% | 3,620 |
| Pretax return on assets | 0.8249% | 3,343 |
| Return on Equity (ROE) | 5.5291% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.5291% | 2,052 |
| Net charge-offs to loans | 0.1280% | 948 |
| Credit loss provision to net charge-offs | 296.4654% | 1,195 |
| Earnings coverage of net charge-offs (x) | 10.2784% | 1,771 |
| Efficiency ratio | 79.6673% | 1,175 |
| Assets per employee ($millions) | 3.8648% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 4,657 |
| Loan loss allowance to noncurrent loans | 190.8946% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,221 |
| Noncurrent loans to loans | 0.3502% | 3,232 |
| Net loans and leases to total assets | 85.8677% | 148 |
| Net loans and leases to deposits | 106.3652% | 281 |
| Net loans and leases to core deposits | 108.3770% | 931 |
| Total domestic deposits to total assets | 80.7291% | 3,720 |
| Equity capital to assets | 10.9489% | 2,905 |
| Core capital (leverage) ratio | 11.3596% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,434,600,000 | 382 |
| Average earning assets | $2,296,379,000 | 362 |
| Average equity | $270,132,500 | 393 |
| Average total loans | $2,122,272,500 | 316 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 4,653 |
| Cost of funding earning assets | 0.4523% | 4,262 |
| Net interest margin | 3.2734% | 4,041 |
| Noninterest income to average assets | 2.3059% | 216 |
| Noninterest expense to average assets | 4.1108% | 464 |
| Loan and lease loss provision to assets | 0.1538% | 1,370 |
| Net operating income to assets | 0.8590% | 3,358 |
| Return on assets (ROA) | 0.8687% | 3,413 |
| Pretax return on assets | 1.1692% | 2,951 |
| Return on Equity (ROE) | 7.7924% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.7924% | 1,044 |
| Net charge-offs to loans | 0.1063% | 1,665 |
| Credit loss provision to net charge-offs | 163.5441% | 1,583 |
| Earnings coverage of net charge-offs (x) | 13.9400% | 2,316 |
| Efficiency ratio | 75.8230% | 1,391 |
| Assets per employee ($millions) | 3.7663% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 4,703 |
| Loan loss allowance to noncurrent loans | 190.1486% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 3,267 |
| Noncurrent loans to loans | 0.3279% | 3,263 |
| Net loans and leases to total assets | 87.3820% | 106 |
| Net loans and leases to deposits | 103.7474% | 384 |
| Net loans and leases to core deposits | 105.5366% | 1,139 |
| Total domestic deposits to total assets | 84.2257% | 2,778 |
| Equity capital to assets | 11.2489% | 2,763 |
| Core capital (leverage) ratio | 11.3944% | 2,191 |
| Tier 1 risk-based capital ratio | 15.7127% | 2,497 |
| Total risk-based capital ratio | 16.4781% | 2,624 |
| Memoranda: | ||
| Average total assets | $2,304,563,600 | 372 |
| Average earning assets | $2,193,545,600 | 357 |
| Average equity | $256,918,400 | 385 |
| Average total loans | $2,038,122,000 | 319 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 4,765 |
| Cost of funding earning assets | 0.4518% | 4,319 |
| Net interest margin | 3.2656% | 4,157 |
| Noninterest income to average assets | 2.1510% | 235 |
| Noninterest expense to average assets | 3.9718% | 546 |
| Loan and lease loss provision to assets | 0.1525% | 1,232 |
| Net operating income to assets | 0.8485% | 3,523 |
| Return on assets (ROA) | 0.8615% | 3,554 |
| Pretax return on assets | 1.1541% | 3,120 |
| Return on Equity (ROE) | 7.7457% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.7457% | 1,516 |
| Net charge-offs to loans | 0.1006% | 1,468 |
| Credit loss provision to net charge-offs | 171.1853% | 1,485 |
| Earnings coverage of net charge-offs (x) | 14.4840% | 2,243 |
| Efficiency ratio | 75.4814% | 1,390 |
| Assets per employee ($millions) | 3.7941% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6142% | 4,786 |
| Loan loss allowance to noncurrent loans | 235.9098% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,612 |
| Noncurrent loans to loans | 0.2604% | 3,609 |
| Net loans and leases to total assets | 88.7566% | 73 |
| Net loans and leases to deposits | 105.3665% | 343 |
| Net loans and leases to core deposits | 107.1334% | 1,103 |
| Total domestic deposits to total assets | 84.2361% | 2,735 |
| Equity capital to assets | 11.2851% | 2,846 |
| Core capital (leverage) ratio | 11.4377% | 2,273 |
| Tier 1 risk-based capital ratio | 15.6341% | 2,589 |
| Total risk-based capital ratio | 16.3936% | 2,719 |
| Memoranda: | ||
| Average total assets | $2,285,630,500 | 377 |
| Average earning assets | $2,177,418,750 | 361 |
| Average equity | $254,208,750 | 390 |
| Average total loans | $2,024,403,000 | 325 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,863 |
| Cost of funding earning assets | 0.4421% | 4,354 |
| Net interest margin | 3.2264% | 4,298 |
| Noninterest income to average assets | 2.0022% | 266 |
| Noninterest expense to average assets | 3.9114% | 594 |
| Loan and lease loss provision to assets | 0.1418% | 1,310 |
| Net operating income to assets | 0.7638% | 3,776 |
| Return on assets (ROA) | 0.7834% | 3,774 |
| Pretax return on assets | 1.0484% | 3,393 |
| Return on Equity (ROE) | 7.0788% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.0788% | 1,770 |
| Net charge-offs to loans | 0.1015% | 1,369 |
| Credit loss provision to net charge-offs | 158.2515% | 1,433 |
| Earnings coverage of net charge-offs (x) | 13.0059% | 2,126 |
| Efficiency ratio | 77.0450% | 1,265 |
| Assets per employee ($millions) | 3.8774% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5981% | 4,881 |
| Loan loss allowance to noncurrent loans | 285.3420% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 3,826 |
| Noncurrent loans to loans | 0.2096% | 3,793 |
| Net loans and leases to total assets | 88.4938% | 94 |
| Net loans and leases to deposits | 105.3494% | 363 |
| Net loans and leases to core deposits | 106.9606% | 1,176 |
| Total domestic deposits to total assets | 84.0003% | 2,863 |
| Equity capital to assets | 11.1322% | 2,919 |
| Core capital (leverage) ratio | 11.2881% | 2,341 |
| Tier 1 risk-based capital ratio | 15.5713% | 2,599 |
| Total risk-based capital ratio | 16.3151% | 2,729 |
| Memoranda: | ||
| Average total assets | $2,272,247,670 | 380 |
| Average earning assets | $2,165,351,000 | 364 |
| Average equity | $251,456,330 | 396 |
| Average total loans | $2,006,857,330 | 327 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 4,936 |
| Cost of funding earning assets | 0.4389% | 4,335 |
| Net interest margin | 3.1893% | 4,405 |
| Noninterest income to average assets | 1.9277% | 260 |
| Noninterest expense to average assets | 3.8832% | 607 |
| Loan and lease loss provision to assets | 0.1219% | 1,436 |
| Net operating income to assets | 0.7138% | 3,889 |
| Return on assets (ROA) | 0.7535% | 3,807 |
| Pretax return on assets | 1.0110% | 3,405 |
| Return on Equity (ROE) | 6.8292% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.8292% | 2,109 |
| Net charge-offs to loans | 0.0979% | 1,159 |
| Credit loss provision to net charge-offs | 141.5638% | 1,287 |
| Earnings coverage of net charge-offs (x) | 12.5700% | 1,866 |
| Efficiency ratio | 78.1962% | 1,243 |
| Assets per employee ($millions) | 3.9694% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 4,941 |
| Loan loss allowance to noncurrent loans | 256.5471% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,676 |
| Noncurrent loans to loans | 0.2330% | 3,740 |
| Net loans and leases to total assets | 86.5062% | 159 |
| Net loans and leases to deposits | 102.4571% | 472 |
| Net loans and leases to core deposits | 103.9202% | 1,320 |
| Total domestic deposits to total assets | 84.4316% | 2,879 |
| Equity capital to assets | 11.0208% | 2,832 |
| Core capital (leverage) ratio | 11.2610% | 2,331 |
| Tier 1 risk-based capital ratio | 15.8633% | 2,504 |
| Total risk-based capital ratio | 16.6104% | 2,638 |
| Memoranda: | ||
| Average total assets | $2,256,793,000 | 384 |
| Average earning assets | $2,149,965,500 | 369 |
| Average equity | $248,988,500 | 399 |
| Average total loans | $1,985,078,500 | 334 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4791% | 4,941 |
| Cost of funding earning assets | 0.3468% | 4,299 |
| Net interest margin | 3.1322% | 4,606 |
| Noninterest income to average assets | 1.9664% | 276 |
| Noninterest expense to average assets | 4.0268% | 516 |
| Loan and lease loss provision to assets | 0.1220% | 1,805 |
| Net operating income to assets | 0.6248% | 4,346 |
| Return on assets (ROA) | 0.6248% | 4,355 |
| Pretax return on assets | 0.8035% | 4,160 |
| Return on Equity (ROE) | 5.6402% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.6402% | 2,393 |
| Net charge-offs to loans | 0.1011% | 1,748 |
| Credit loss provision to net charge-offs | 135.7401% | 1,968 |
| Earnings coverage of net charge-offs (x) | 10.2945% | 2,733 |
| Efficiency ratio | 81.3110% | 858 |
| Assets per employee ($millions) | 3.9350% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 4,990 |
| Loan loss allowance to noncurrent loans | 300.0257% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 3,738 |
| Noncurrent loans to loans | 0.1961% | 3,876 |
| Net loans and leases to total assets | 88.3923% | 100 |
| Net loans and leases to deposits | 105.1316% | 413 |
| Net loans and leases to core deposits | 106.6546% | 1,219 |
| Total domestic deposits to total assets | 84.0778% | 2,978 |
| Equity capital to assets | 11.0452% | 2,642 |
| Core capital (leverage) ratio | 11.0951% | 2,441 |
| Tier 1 risk-based capital ratio | 15.6419% | 2,560 |
| Total risk-based capital ratio | 16.3785% | 2,706 |
| Memoranda: | ||
| Average total assets | $2,156,660,800 | 394 |
| Average earning assets | $2,055,962,000 | 379 |
| Average equity | $238,892,600 | 399 |
| Average total loans | $1,917,811,600 | 338 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 5,010 |
| Cost of funding earning assets | 0.3180% | 4,387 |
| Net interest margin | 3.1061% | 4,693 |
| Noninterest income to average assets | 1.9071% | 297 |
| Noninterest expense to average assets | 3.9640% | 549 |
| Loan and lease loss provision to assets | 0.1195% | 1,697 |
| Net operating income to assets | 0.5849% | 4,541 |
| Return on assets (ROA) | 0.5849% | 4,552 |
| Pretax return on assets | 0.7861% | 4,331 |
| Return on Equity (ROE) | 5.2768% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.2768% | 3,077 |
| Net charge-offs to loans | 0.0890% | 1,616 |
| Credit loss provision to net charge-offs | 151.0638% | 1,694 |
| Earnings coverage of net charge-offs (x) | 11.4436% | 2,515 |
| Efficiency ratio | 81.4030% | 823 |
| Assets per employee ($millions) | 4.0213% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5865% | 5,064 |
| Loan loss allowance to noncurrent loans | 293.6853% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 3,882 |
| Noncurrent loans to loans | 0.1997% | 3,996 |
| Net loans and leases to total assets | 88.9474% | 111 |
| Net loans and leases to deposits | 106.3935% | 425 |
| Net loans and leases to core deposits | 107.8817% | 1,173 |
| Total domestic deposits to total assets | 83.6022% | 3,083 |
| Equity capital to assets | 10.9017% | 2,750 |
| Core capital (leverage) ratio | 11.1412% | 2,464 |
| Tier 1 risk-based capital ratio | 15.2767% | 2,749 |
| Total risk-based capital ratio | 16.0054% | 2,912 |
| Memoranda: | ||
| Average total assets | $2,138,036,750 | 398 |
| Average earning assets | $2,039,213,750 | 378 |
| Average equity | $237,007,000 | 399 |
| Average total loans | $1,901,304,000 | 338 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,066 |
| Cost of funding earning assets | 0.2846% | 4,536 |
| Net interest margin | 3.0889% | 4,747 |
| Noninterest income to average assets | 1.8220% | 310 |
| Noninterest expense to average assets | 3.9589% | 562 |
| Loan and lease loss provision to assets | 0.0863% | 2,186 |
| Net operating income to assets | 0.5382% | 4,658 |
| Return on assets (ROA) | 0.5382% | 4,665 |
| Pretax return on assets | 0.7232% | 4,451 |
| Return on Equity (ROE) | 4.8274% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.8274% | 3,163 |
| Net charge-offs to loans | 0.0777% | 1,549 |
| Credit loss provision to net charge-offs | 125.1374% | 1,758 |
| Earnings coverage of net charge-offs (x) | 11.7418% | 2,248 |
| Efficiency ratio | 83.0252% | 758 |
| Assets per employee ($millions) | 4.0408% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 5,145 |
| Loan loss allowance to noncurrent loans | 332.9654% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 4,057 |
| Noncurrent loans to loans | 0.1733% | 4,129 |
| Net loans and leases to total assets | 88.7821% | 113 |
| Net loans and leases to deposits | 107.3364% | 376 |
| Net loans and leases to core deposits | 108.8907% | 1,059 |
| Total domestic deposits to total assets | 82.7139% | 3,491 |
| Equity capital to assets | 10.9962% | 2,645 |
| Core capital (leverage) ratio | 11.2406% | 2,309 |
| Tier 1 risk-based capital ratio | 15.4708% | 2,651 |
| Total risk-based capital ratio | 16.1901% | 2,826 |
| Memoranda: | ||
| Average total assets | $2,112,131,000 | 401 |
| Average earning assets | $2,014,628,000 | 383 |
| Average equity | $235,491,330 | 396 |
| Average total loans | $1,874,244,670 | 340 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 5,110 |
| Cost of funding earning assets | 0.2494% | 4,711 |
| Net interest margin | 3.0729% | 4,756 |
| Noninterest income to average assets | 1.8378% | 298 |
| Noninterest expense to average assets | 4.0912% | 472 |
| Loan and lease loss provision to assets | 0.0562% | 2,646 |
| Net operating income to assets | 0.4621% | 4,786 |
| Return on assets (ROA) | 0.4621% | 4,790 |
| Pretax return on assets | 0.6209% | 4,637 |
| Return on Equity (ROE) | 4.1152% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.1152% | 3,554 |
| Net charge-offs to loans | 0.0627% | 1,483 |
| Credit loss provision to net charge-offs | 101.3841% | 1,524 |
| Earnings coverage of net charge-offs (x) | 12.2145% | 1,812 |
| Efficiency ratio | 85.7993% | 662 |
| Assets per employee ($millions) | 4.0270% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 5,203 |
| Loan loss allowance to noncurrent loans | 284.0662% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,060 |
| Noncurrent loans to loans | 0.2074% | 4,042 |
| Net loans and leases to total assets | 87.9956% | 135 |
| Net loans and leases to deposits | 103.0615% | 532 |
| Net loans and leases to core deposits | 104.6903% | 1,328 |
| Total domestic deposits to total assets | 85.3816% | 2,793 |
| Equity capital to assets | 11.1622% | 2,416 |
| Core capital (leverage) ratio | 11.4717% | 2,036 |
| Tier 1 risk-based capital ratio | 15.8638% | 2,535 |
| Total risk-based capital ratio | 16.5995% | 2,657 |
| Memoranda: | ||
| Average total assets | $2,085,271,000 | 409 |
| Average earning assets | $1,988,618,500 | 390 |
| Average equity | $234,156,500 | 405 |
| Average total loans | $1,844,342,500 | 347 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 5,027 |
| Cost of funding earning assets | 0.2343% | 4,693 |
| Net interest margin | 3.1082% | 4,675 |
| Noninterest income to average assets | 1.9299% | 309 |
| Noninterest expense to average assets | 3.7838% | 705 |
| Loan and lease loss provision to assets | 0.0961% | 2,289 |
| Net operating income to assets | 0.6727% | 3,721 |
| Return on assets (ROA) | 0.6725% | 3,773 |
| Pretax return on assets | 1.0181% | 3,504 |
| Return on Equity (ROE) | 6.0033% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.0033% | 1,539 |
| Net charge-offs to loans | 0.0755% | 2,372 |
| Credit loss provision to net charge-offs | 144.1964% | 1,844 |
| Earnings coverage of net charge-offs (x) | 16.7262% | 2,160 |
| Efficiency ratio | 77.2483% | 1,452 |
| Assets per employee ($millions) | 4.0961% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 5,242 |
| Loan loss allowance to noncurrent loans | 288.2121% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 4,114 |
| Noncurrent loans to loans | 0.2088% | 4,074 |
| Net loans and leases to total assets | 87.8422% | 145 |
| Net loans and leases to deposits | 103.3415% | 526 |
| Net loans and leases to core deposits | 105.1783% | 1,332 |
| Total domestic deposits to total assets | 85.0018% | 2,835 |
| Equity capital to assets | 11.2973% | 2,364 |
| Core capital (leverage) ratio | 11.1455% | 2,201 |
| Tier 1 risk-based capital ratio | 16.0827% | 2,402 |
| Total risk-based capital ratio | 16.8366% | 2,529 |
| Memoranda: | ||
| Average total assets | $2,017,157,200 | 407 |
| Average earning assets | $1,926,389,200 | 389 |
| Average equity | $225,958,200 | 400 |
| Average total loans | $1,780,058,000 | 342 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 5,122 |
| Cost of funding earning assets | 0.2145% | 4,851 |
| Net interest margin | 3.0764% | 4,765 |
| Noninterest income to average assets | 1.8886% | 335 |
| Noninterest expense to average assets | 3.7831% | 689 |
| Loan and lease loss provision to assets | 0.1006% | 2,100 |
| Net operating income to assets | 0.5790% | 4,460 |
| Return on assets (ROA) | 0.5790% | 4,500 |
| Pretax return on assets | 0.9443% | 3,886 |
| Return on Equity (ROE) | 5.1805% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.1805% | 2,758 |
| Net charge-offs to loans | 0.0696% | 2,126 |
| Credit loss provision to net charge-offs | 163.7446% | 1,574 |
| Earnings coverage of net charge-offs (x) | 17.0086% | 2,134 |
| Efficiency ratio | 78.3571% | 1,284 |
| Assets per employee ($millions) | 4.1025% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 5,336 |
| Loan loss allowance to noncurrent loans | 282.9551% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 4,232 |
| Noncurrent loans to loans | 0.2096% | 4,235 |
| Net loans and leases to total assets | 88.7542% | 124 |
| Net loans and leases to deposits | 105.8735% | 425 |
| Net loans and leases to core deposits | 107.8453% | 1,145 |
| Total domestic deposits to total assets | 83.8305% | 3,183 |
| Equity capital to assets | 11.0500% | 2,818 |
| Core capital (leverage) ratio | 11.2377% | 2,232 |
| Tier 1 risk-based capital ratio | 15.7941% | 2,592 |
| Total risk-based capital ratio | 16.5498% | 2,731 |
| Memoranda: | ||
| Average total assets | $2,005,343,500 | 413 |
| Average earning assets | $1,915,990,500 | 389 |
| Average equity | $224,142,250 | 406 |
| Average total loans | $1,768,972,000 | 346 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2497% | 5,179 |
| Cost of funding earning assets | 0.1980% | 5,003 |
| Net interest margin | 3.0517% | 4,787 |
| Noninterest income to average assets | 1.8139% | 372 |
| Noninterest expense to average assets | 3.7547% | 713 |
| Loan and lease loss provision to assets | 0.1050% | 1,928 |
| Net operating income to assets | 0.5301% | 4,611 |
| Return on assets (ROA) | 0.5301% | 4,642 |
| Pretax return on assets | 0.8700% | 4,036 |
| Return on Equity (ROE) | 4.7235% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.7235% | 2,900 |
| Net charge-offs to loans | 0.0662% | 1,984 |
| Credit loss provision to net charge-offs | 180.4159% | 1,356 |
| Earnings coverage of net charge-offs (x) | 16.7556% | 1,963 |
| Efficiency ratio | 79.3859% | 1,282 |
| Assets per employee ($millions) | 3.9673% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 5,377 |
| Loan loss allowance to noncurrent loans | 621.6619% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,768 |
| Noncurrent loans to loans | 0.0969% | 4,740 |
| Net loans and leases to total assets | 88.7854% | 115 |
| Net loans and leases to deposits | 102.4628% | 583 |
| Net loans and leases to core deposits | 104.3412% | 1,333 |
| Total domestic deposits to total assets | 86.6514% | 2,113 |
| Equity capital to assets | 11.1880% | 2,612 |
| Core capital (leverage) ratio | 11.4245% | 2,027 |
| Tier 1 risk-based capital ratio | 16.0339% | 2,491 |
| Total risk-based capital ratio | 16.8040% | 2,615 |
| Memoranda: | ||
| Average total assets | $1,983,199,000 | 414 |
| Average earning assets | $1,894,872,000 | 396 |
| Average equity | $222,545,670 | 407 |
| Average total loans | $1,742,041,670 | 352 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 5,206 |
| Cost of funding earning assets | 0.1990% | 4,989 |
| Net interest margin | 3.0257% | 4,838 |
| Noninterest income to average assets | 1.7207% | 388 |
| Noninterest expense to average assets | 3.7798% | 696 |
| Loan and lease loss provision to assets | 0.1100% | 1,741 |
| Net operating income to assets | 0.4390% | 4,816 |
| Return on assets (ROA) | 0.4390% | 4,840 |
| Pretax return on assets | 0.7211% | 4,380 |
| Return on Equity (ROE) | 3.9063% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.9063% | 3,493 |
| Net charge-offs to loans | 0.0474% | 1,904 |
| Credit loss provision to net charge-offs | 266.5025% | 848 |
| Earnings coverage of net charge-offs (x) | 20.1330% | 1,499 |
| Efficiency ratio | 81.9757% | 1,158 |
| Assets per employee ($millions) | 3.8783% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 5,443 |
| Loan loss allowance to noncurrent loans | 549.2828% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,825 |
| Noncurrent loans to loans | 0.1133% | 4,743 |
| Net loans and leases to total assets | 86.3795% | 195 |
| Net loans and leases to deposits | 98.0080% | 773 |
| Net loans and leases to core deposits | 99.9717% | 1,504 |
| Total domestic deposits to total assets | 88.1351% | 1,638 |
| Equity capital to assets | 11.2120% | 2,418 |
| Core capital (leverage) ratio | 11.5031% | 1,946 |
| Tier 1 risk-based capital ratio | 16.5227% | 2,351 |
| Total risk-based capital ratio | 17.3180% | 2,474 |
| Memoranda: | ||
| Average total assets | $1,967,102,500 | 421 |
| Average earning assets | $1,878,985,000 | 401 |
| Average equity | $221,077,500 | 412 |
| Average total loans | $1,712,951,500 | 349 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 5,185 |
| Cost of funding earning assets | 0.2266% | 4,767 |
| Net interest margin | 3.0554% | 4,836 |
| Noninterest income to average assets | 1.9862% | 345 |
| Noninterest expense to average assets | 3.7433% | 831 |
| Loan and lease loss provision to assets | 0.1055% | 2,289 |
| Net operating income to assets | 0.6597% | 3,953 |
| Return on assets (ROA) | 0.6597% | 4,069 |
| Pretax return on assets | 1.0548% | 3,281 |
| Return on Equity (ROE) | 5.8651% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.8651% | 1,785 |
| Net charge-offs to loans | 0.0596% | 2,857 |
| Credit loss provision to net charge-offs | 204.8880% | 1,378 |
| Earnings coverage of net charge-offs (x) | 22.5244% | 1,728 |
| Efficiency ratio | 76.3370% | 1,931 |
| Assets per employee ($millions) | 3.8433% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 5,510 |
| Loan loss allowance to noncurrent loans | 550.5832% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 4,686 |
| Noncurrent loans to loans | 0.1107% | 4,787 |
| Net loans and leases to total assets | 86.7099% | 195 |
| Net loans and leases to deposits | 98.5493% | 776 |
| Net loans and leases to core deposits | 100.6560% | 1,567 |
| Total domestic deposits to total assets | 87.9863% | 1,636 |
| Equity capital to assets | 11.2658% | 2,355 |
| Core capital (leverage) ratio | 11.4940% | 1,928 |
| Tier 1 risk-based capital ratio | 16.5485% | 2,332 |
| Total risk-based capital ratio | 17.3274% | 2,450 |
| Memoranda: | ||
| Average total assets | $1,906,226,400 | 409 |
| Average earning assets | $1,820,135,200 | 396 |
| Average equity | $214,403,000 | 409 |
| Average total loans | $1,646,868,000 | 351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 5,246 |
| Cost of funding earning assets | 0.2300% | 4,787 |
| Net interest margin | 3.0442% | 4,917 |
| Noninterest income to average assets | 1.9709% | 354 |
| Noninterest expense to average assets | 3.6845% | 873 |
| Loan and lease loss provision to assets | 0.0913% | 2,404 |
| Net operating income to assets | 0.6936% | 3,883 |
| Return on assets (ROA) | 0.6936% | 4,016 |
| Pretax return on assets | 1.1020% | 3,226 |
| Return on Equity (ROE) | 6.1697% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.1697% | 2,076 |
| Net charge-offs to loans | 0.0421% | 2,799 |
| Credit loss provision to net charge-offs | 251.3566% | 1,192 |
| Earnings coverage of net charge-offs (x) | 32.8625% | 1,410 |
| Efficiency ratio | 75.5367% | 2,032 |
| Assets per employee ($millions) | 3.7783% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 5,613 |
| Loan loss allowance to noncurrent loans | 628.7221% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,863 |
| Noncurrent loans to loans | 0.0951% | 4,962 |
| Net loans and leases to total assets | 87.6579% | 154 |
| Net loans and leases to deposits | 99.7232% | 719 |
| Net loans and leases to core deposits | 101.8719% | 1,496 |
| Total domestic deposits to total assets | 87.9012% | 1,446 |
| Equity capital to assets | 11.3467% | 2,660 |
| Core capital (leverage) ratio | 11.5342% | 1,999 |
| Tier 1 risk-based capital ratio | 16.4551% | 2,434 |
| Total risk-based capital ratio | 17.2205% | 2,574 |
| Memoranda: | ||
| Average total assets | $1,894,683,500 | 408 |
| Average earning assets | $1,809,255,750 | 397 |
| Average equity | $213,015,250 | 412 |
| Average total loans | $1,632,758,500 | 351 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2524% | 5,362 |
| Cost of funding earning assets | 0.2335% | 4,817 |
| Net interest margin | 3.0189% | 5,038 |
| Noninterest income to average assets | 1.9012% | 364 |
| Noninterest expense to average assets | 3.6061% | 1,002 |
| Loan and lease loss provision to assets | 0.0746% | 2,646 |
| Net operating income to assets | 0.6749% | 3,932 |
| Return on assets (ROA) | 0.6749% | 4,067 |
| Pretax return on assets | 1.1039% | 3,185 |
| Return on Equity (ROE) | 6.0223% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.0223% | 2,107 |
| Net charge-offs to loans | 0.0261% | 2,956 |
| Credit loss provision to net charge-offs | 334.7619% | 883 |
| Earnings coverage of net charge-offs (x) | 52.8952% | 962 |
| Efficiency ratio | 75.3697% | 2,170 |
| Assets per employee ($millions) | 3.7432% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 5,690 |
| Loan loss allowance to noncurrent loans | 588.5834% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 4,898 |
| Noncurrent loans to loans | 0.1010% | 5,047 |
| Net loans and leases to total assets | 87.7761% | 149 |
| Net loans and leases to deposits | 99.9084% | 701 |
| Net loans and leases to core deposits | 102.1809% | 1,455 |
| Total domestic deposits to total assets | 87.8566% | 1,501 |
| Equity capital to assets | 11.4585% | 2,588 |
| Core capital (leverage) ratio | 11.3874% | 2,071 |
| Tier 1 risk-based capital ratio | 16.6357% | 2,379 |
| Total risk-based capital ratio | 17.3997% | 2,517 |
| Memoranda: | ||
| Average total assets | $1,885,194,330 | 411 |
| Average earning assets | $1,800,544,000 | 399 |
| Average equity | $211,282,000 | 413 |
| Average total loans | $1,611,701,670 | 352 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 5,464 |
| Cost of funding earning assets | 0.2372% | 4,835 |
| Net interest margin | 2.9800% | 5,166 |
| Noninterest income to average assets | 1.8354% | 384 |
| Noninterest expense to average assets | 3.5723% | 1,063 |
| Loan and lease loss provision to assets | 0.0262% | 3,327 |
| Net operating income to assets | 0.6628% | 3,916 |
| Return on assets (ROA) | 0.6628% | 4,041 |
| Pretax return on assets | 1.0846% | 3,149 |
| Return on Equity (ROE) | 5.9805% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.9805% | 2,382 |
| Net charge-offs to loans | 0.0075% | 2,864 |
| Credit loss provision to net charge-offs | 413.3333% | 697 |
| Earnings coverage of net charge-offs (x) | 174.9667% | 346 |
| Efficiency ratio | 76.2800% | 2,140 |
| Assets per employee ($millions) | 3.9502% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 5,758 |
| Loan loss allowance to noncurrent loans | 934.5203% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 5,132 |
| Noncurrent loans to loans | 0.0631% | 5,231 |
| Net loans and leases to total assets | 84.1251% | 362 |
| Net loans and leases to deposits | 95.4501% | 990 |
| Net loans and leases to core deposits | 97.5798% | 1,665 |
| Total domestic deposits to total assets | 88.1352% | 1,570 |
| Equity capital to assets | 11.1701% | 2,751 |
| Core capital (leverage) ratio | 11.3813% | 2,066 |
| Tier 1 risk-based capital ratio | 16.9917% | 2,291 |
| Total risk-based capital ratio | 17.7519% | 2,431 |
| Memoranda: | ||
| Average total assets | $1,890,115,000 | 410 |
| Average earning assets | $1,806,192,500 | 394 |
| Average equity | $209,479,500 | 412 |
| Average total loans | $1,589,573,500 | 352 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2280% | 5,477 |
| Cost of funding earning assets | 0.2669% | 4,620 |
| Net interest margin | 2.9611% | 5,224 |
| Noninterest income to average assets | 1.9158% | 380 |
| Noninterest expense to average assets | 3.4685% | 1,350 |
| Loan and lease loss provision to assets | 0.0455% | 3,417 |
| Net operating income to assets | 0.7624% | 3,517 |
| Return on assets (ROA) | 0.7624% | 3,600 |
| Pretax return on assets | 1.2316% | 2,537 |
| Return on Equity (ROE) | 6.8860% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.8860% | 1,327 |
| Net charge-offs to loans | 0.0325% | 3,571 |
| Credit loss provision to net charge-offs | 167.3428% | 1,610 |
| Earnings coverage of net charge-offs (x) | 46.9838% | 1,045 |
| Efficiency ratio | 73.0891% | 2,726 |
| Assets per employee ($millions) | 4.0868% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5928% | 5,804 |
| Loan loss allowance to noncurrent loans | 1,043.9732% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 5,191 |
| Noncurrent loans to loans | 0.0568% | 5,289 |
| Net loans and leases to total assets | 83.0776% | 478 |
| Net loans and leases to deposits | 94.1468% | 1,190 |
| Net loans and leases to core deposits | 96.1788% | 1,829 |
| Total domestic deposits to total assets | 88.2426% | 1,514 |
| Equity capital to assets | 10.9956% | 2,826 |
| Core capital (leverage) ratio | 11.3801% | 2,059 |
| Tier 1 risk-based capital ratio | 17.0269% | 2,271 |
| Total risk-based capital ratio | 17.7925% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,813,753,200 | 401 |
| Average earning assets | $1,733,307,600 | 390 |
| Average equity | $200,814,000 | 413 |
| Average total loans | $1,514,891,800 | 349 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2219% | 5,556 |
| Cost of funding earning assets | 0.2730% | 4,633 |
| Net interest margin | 2.9489% | 5,307 |
| Noninterest income to average assets | 1.8829% | 394 |
| Noninterest expense to average assets | 3.4328% | 1,408 |
| Loan and lease loss provision to assets | 0.0323% | 3,591 |
| Net operating income to assets | 0.7677% | 3,596 |
| Return on assets (ROA) | 0.7677% | 3,689 |
| Pretax return on assets | 1.2356% | 2,673 |
| Return on Equity (ROE) | 6.9211% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.9211% | 1,726 |
| Net charge-offs to loans | 0.0181% | 3,586 |
| Credit loss provision to net charge-offs | 213.2353% | 1,273 |
| Earnings coverage of net charge-offs (x) | 83.6823% | 719 |
| Efficiency ratio | 73.0278% | 2,711 |
| Assets per employee ($millions) | 4.0641% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 5,901 |
| Loan loss allowance to noncurrent loans | 1,070.9491% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 5,285 |
| Noncurrent loans to loans | 0.0556% | 5,396 |
| Net loans and leases to total assets | 85.5694% | 255 |
| Net loans and leases to deposits | 97.2841% | 882 |
| Net loans and leases to core deposits | 99.4599% | 1,562 |
| Total domestic deposits to total assets | 87.9583% | 1,589 |
| Equity capital to assets | 11.3393% | 2,656 |
| Core capital (leverage) ratio | 11.3672% | 2,135 |
| Tier 1 risk-based capital ratio | 16.9913% | 2,382 |
| Total risk-based capital ratio | 17.7599% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,795,171,250 | 406 |
| Average earning assets | $1,715,393,750 | 393 |
| Average equity | $199,116,250 | 417 |
| Average total loans | $1,499,133,250 | 352 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1859% | 5,644 |
| Cost of funding earning assets | 0.2749% | 4,672 |
| Net interest margin | 2.9110% | 5,423 |
| Noninterest income to average assets | 1.8202% | 422 |
| Noninterest expense to average assets | 3.3483% | 1,580 |
| Loan and lease loss provision to assets | 0.0448% | 3,216 |
| Net operating income to assets | 0.7445% | 3,665 |
| Return on assets (ROA) | 0.7445% | 3,763 |
| Pretax return on assets | 1.2082% | 2,744 |
| Return on Equity (ROE) | 6.7629% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.7629% | 1,812 |
| Net charge-offs to loans | 0.0230% | 3,205 |
| Credit loss provision to net charge-offs | 235.8824% | 1,091 |
| Earnings coverage of net charge-offs (x) | 66.0412% | 794 |
| Efficiency ratio | 72.7692% | 2,886 |
| Assets per employee ($millions) | 4.1679% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6119% | 5,953 |
| Loan loss allowance to noncurrent loans | 1,177.2265% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,416 |
| Noncurrent loans to loans | 0.0520% | 5,537 |
| Net loans and leases to total assets | 83.4687% | 418 |
| Net loans and leases to deposits | 94.6136% | 1,090 |
| Net loans and leases to core deposits | 96.7639% | 1,734 |
| Total domestic deposits to total assets | 88.2206% | 1,532 |
| Equity capital to assets | 11.1472% | 2,723 |
| Core capital (leverage) ratio | 11.1684% | 2,270 |
| Tier 1 risk-based capital ratio | 17.1386% | 2,355 |
| Total risk-based capital ratio | 17.9281% | 2,479 |
| Memoranda: | ||
| Average total assets | $1,792,071,670 | 407 |
| Average earning assets | $1,712,051,330 | 397 |
| Average equity | $197,283,670 | 425 |
| Average total loans | $1,481,068,670 | 354 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 5,697 |
| Cost of funding earning assets | 0.2785% | 4,685 |
| Net interest margin | 2.8909% | 5,476 |
| Noninterest income to average assets | 1.7214% | 440 |
| Noninterest expense to average assets | 3.3388% | 1,625 |
| Loan and lease loss provision to assets | 0.0116% | 3,577 |
| Net operating income to assets | 0.6916% | 3,842 |
| Return on assets (ROA) | 0.6916% | 3,969 |
| Pretax return on assets | 1.1321% | 2,938 |
| Return on Equity (ROE) | 6.3220% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.3220% | 2,328 |
| Net charge-offs to loans | 0.0142% | 2,887 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 98.3077% | 505 |
| Efficiency ratio | 74.4847% | 2,734 |
| Assets per employee ($millions) | 4.2749% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6114% | 6,049 |
| Loan loss allowance to noncurrent loans | 753.0885% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 5,475 |
| Noncurrent loans to loans | 0.0812% | 5,453 |
| Net loans and leases to total assets | 81.2914% | 538 |
| Net loans and leases to deposits | 91.9343% | 1,197 |
| Net loans and leases to core deposits | 93.9535% | 1,775 |
| Total domestic deposits to total assets | 88.4233% | 1,588 |
| Equity capital to assets | 10.9349% | 3,047 |
| Core capital (leverage) ratio | 11.1349% | 2,283 |
| Tier 1 risk-based capital ratio | 17.2215% | 2,401 |
| Total risk-based capital ratio | 18.0090% | 2,527 |
| Memoranda: | ||
| Average total assets | $1,787,834,500 | 411 |
| Average earning assets | $1,707,566,000 | 399 |
| Average equity | $195,570,000 | 429 |
| Average total loans | $1,465,530,000 | 353 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2009% | 5,836 |
| Cost of funding earning assets | 0.3333% | 4,454 |
| Net interest margin | 2.8676% | 5,701 |
| Noninterest income to average assets | 1.7555% | 415 |
| Noninterest expense to average assets | 3.4089% | 1,681 |
| Loan and lease loss provision to assets | 0.0584% | 3,371 |
| Net operating income to assets | 0.6314% | 4,229 |
| Return on assets (ROA) | 0.6314% | 4,334 |
| Pretax return on assets | 1.0268% | 3,396 |
| Return on Equity (ROE) | 5.7549% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.7549% | 2,097 |
| Net charge-offs to loans | 0.0325% | 4,181 |
| Credit loss provision to net charge-offs | 224.6637% | 1,119 |
| Earnings coverage of net charge-offs (x) | 41.7175% | 1,045 |
| Efficiency ratio | 75.8524% | 2,529 |
| Assets per employee ($millions) | 4.2373% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6198% | 6,115 |
| Loan loss allowance to noncurrent loans | 901.2987% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 5,592 |
| Noncurrent loans to loans | 0.0688% | 5,604 |
| Net loans and leases to total assets | 81.6697% | 559 |
| Net loans and leases to deposits | 92.3860% | 1,246 |
| Net loans and leases to core deposits | 94.5111% | 1,863 |
| Total domestic deposits to total assets | 88.4005% | 1,567 |
| Equity capital to assets | 10.9461% | 2,949 |
| Core capital (leverage) ratio | 10.9611% | 2,442 |
| Tier 1 risk-based capital ratio | 17.1901% | 2,435 |
| Total risk-based capital ratio | 17.9887% | 2,576 |
| Memoranda: | ||
| Average total assets | $1,714,501,800 | 416 |
| Average earning assets | $1,637,346,800 | 396 |
| Average equity | $188,101,400 | 426 |
| Average total loans | $1,371,912,800 | 354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1858% | 5,915 |
| Cost of funding earning assets | 0.3436% | 4,414 |
| Net interest margin | 2.8422% | 5,798 |
| Noninterest income to average assets | 1.7112% | 450 |
| Noninterest expense to average assets | 3.3781% | 1,720 |
| Loan and lease loss provision to assets | 0.0684% | 2,972 |
| Net operating income to assets | 0.6035% | 4,430 |
| Return on assets (ROA) | 0.6035% | 4,518 |
| Pretax return on assets | 0.9798% | 3,677 |
| Return on Equity (ROE) | 5.4973% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.4973% | 2,753 |
| Net charge-offs to loans | 0.0304% | 3,877 |
| Credit loss provision to net charge-offs | 283.1169% | 949 |
| Earnings coverage of net charge-offs (x) | 43.3990% | 1,070 |
| Efficiency ratio | 76.3194% | 2,441 |
| Assets per employee ($millions) | 4.1347% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 6,180 |
| Loan loss allowance to noncurrent loans | 1,159.1784% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 5,710 |
| Noncurrent loans to loans | 0.0550% | 5,797 |
| Net loans and leases to total assets | 81.8776% | 524 |
| Net loans and leases to deposits | 92.7754% | 1,154 |
| Net loans and leases to core deposits | 95.0852% | 1,750 |
| Total domestic deposits to total assets | 88.2535% | 1,630 |
| Equity capital to assets | 11.0864% | 2,872 |
| Core capital (leverage) ratio | 11.1046% | 2,394 |
| Tier 1 risk-based capital ratio | 17.1820% | 2,536 |
| Total risk-based capital ratio | 17.9940% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,700,329,250 | 416 |
| Average earning assets | $1,624,238,250 | 400 |
| Average equity | $186,657,750 | 422 |
| Average total loans | $1,351,003,500 | 354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 5,996 |
| Cost of funding earning assets | 0.3530% | 4,407 |
| Net interest margin | 2.8031% | 5,900 |
| Noninterest income to average assets | 1.5887% | 499 |
| Noninterest expense to average assets | 3.3209% | 1,866 |
| Loan and lease loss provision to assets | 0.0449% | 3,424 |
| Net operating income to assets | 0.5514% | 4,597 |
| Return on assets (ROA) | 0.5514% | 4,697 |
| Pretax return on assets | 0.9010% | 3,882 |
| Return on Equity (ROE) | 5.0401% | 4,654 |
| Retained earnings to average equity (ytd only) | 5.0401% | 2,936 |
| Net charge-offs to loans | 0.0307% | 3,583 |
| Credit loss provision to net charge-offs | 186.2745% | 1,240 |
| Earnings coverage of net charge-offs (x) | 39.2647% | 1,074 |
| Efficiency ratio | 77.8325% | 2,315 |
| Assets per employee ($millions) | 4.1560% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 6,263 |
| Loan loss allowance to noncurrent loans | 2,112.9584% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 5,865 |
| Noncurrent loans to loans | 0.0300% | 5,970 |
| Net loans and leases to total assets | 79.2449% | 771 |
| Net loans and leases to deposits | 89.6889% | 1,401 |
| Net loans and leases to core deposits | 91.8986% | 1,948 |
| Total domestic deposits to total assets | 88.3553% | 1,707 |
| Equity capital to assets | 10.9968% | 2,879 |
| Core capital (leverage) ratio | 11.0067% | 2,425 |
| Tier 1 risk-based capital ratio | 17.4506% | 2,436 |
| Total risk-based capital ratio | 18.2525% | 2,573 |
| Memoranda: | ||
| Average total assets | $1,693,759,330 | 416 |
| Average earning assets | $1,618,225,670 | 397 |
| Average equity | $185,313,330 | 424 |
| Average total loans | $1,328,886,000 | 356 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1406% | 6,073 |
| Cost of funding earning assets | 0.3674% | 4,349 |
| Net interest margin | 2.7732% | 5,987 |
| Noninterest income to average assets | 1.5110% | 517 |
| Noninterest expense to average assets | 3.2774% | 1,998 |
| Loan and lease loss provision to assets | 0.0550% | 3,016 |
| Net operating income to assets | 0.5054% | 4,665 |
| Return on assets (ROA) | 0.5054% | 4,750 |
| Pretax return on assets | 0.8277% | 3,983 |
| Return on Equity (ROE) | 4.6314% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.6314% | 3,337 |
| Net charge-offs to loans | 0.0445% | 2,761 |
| Credit loss provision to net charge-offs | 158.9041% | 1,206 |
| Earnings coverage of net charge-offs (x) | 25.4932% | 1,150 |
| Efficiency ratio | 78.7811% | 2,361 |
| Assets per employee ($millions) | 4.1823% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 6,341 |
| Loan loss allowance to noncurrent loans | 2,305.1213% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 5,968 |
| Noncurrent loans to loans | 0.0282% | 6,070 |
| Net loans and leases to total assets | 76.7151% | 919 |
| Net loans and leases to deposits | 86.7075% | 1,505 |
| Net loans and leases to core deposits | 88.7979% | 2,015 |
| Total domestic deposits to total assets | 88.4757% | 1,950 |
| Equity capital to assets | 10.8718% | 2,851 |
| Core capital (leverage) ratio | 10.8934% | 2,497 |
| Tier 1 risk-based capital ratio | 17.7140% | 2,404 |
| Total risk-based capital ratio | 18.5306% | 2,525 |
| Memoranda: | ||
| Average total assets | $1,686,575,000 | 418 |
| Average earning assets | $1,611,147,500 | 397 |
| Average equity | $184,050,000 | 422 |
| Average total loans | $1,312,206,000 | 358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 6,085 |
| Cost of funding earning assets | 0.4425% | 4,190 |
| Net interest margin | 2.8024% | 5,978 |
| Noninterest income to average assets | 1.8676% | 432 |
| Noninterest expense to average assets | 3.4970% | 1,660 |
| Loan and lease loss provision to assets | 0.0693% | 3,744 |
| Net operating income to assets | 0.7343% | 3,639 |
| Return on assets (ROA) | 0.7343% | 3,716 |
| Pretax return on assets | 0.9837% | 3,421 |
| Return on Equity (ROE) | 6.6118% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.6118% | 1,614 |
| Net charge-offs to loans | 0.0445% | 4,597 |
| Credit loss provision to net charge-offs | 203.6697% | 1,127 |
| Earnings coverage of net charge-offs (x) | 30.9578% | 1,152 |
| Efficiency ratio | 76.8569% | 2,645 |
| Assets per employee ($millions) | 4.1774% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 6,422 |
| Loan loss allowance to noncurrent loans | 797.9265% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 5,915 |
| Noncurrent loans to loans | 0.0810% | 5,974 |
| Net loans and leases to total assets | 77.8928% | 838 |
| Net loans and leases to deposits | 88.4074% | 1,420 |
| Net loans and leases to core deposits | 90.4700% | 1,965 |
| Total domestic deposits to total assets | 88.1067% | 2,115 |
| Equity capital to assets | 10.9543% | 2,657 |
| Core capital (leverage) ratio | 10.9708% | 2,418 |
| Tier 1 risk-based capital ratio | 17.4826% | 2,425 |
| Total risk-based capital ratio | 18.2897% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,602,278,200 | 433 |
| Average earning assets | $1,533,635,400 | 407 |
| Average equity | $177,939,000 | 427 |
| Average total loans | $1,224,568,800 | 364 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 6,133 |
| Cost of funding earning assets | 0.4553% | 4,216 |
| Net interest margin | 2.7950% | 6,027 |
| Noninterest income to average assets | 1.9376% | 438 |
| Noninterest expense to average assets | 3.2693% | 2,153 |
| Loan and lease loss provision to assets | 0.0723% | 3,617 |
| Net operating income to assets | 0.8223% | 3,242 |
| Return on assets (ROA) | 0.8223% | 3,357 |
| Pretax return on assets | 1.2728% | 2,440 |
| Return on Equity (ROE) | 7.3781% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.3781% | 1,695 |
| Net charge-offs to loans | 0.0383% | 4,380 |
| Credit loss provision to net charge-offs | 248.2659% | 994 |
| Earnings coverage of net charge-offs (x) | 46.2169% | 909 |
| Efficiency ratio | 70.8507% | 3,625 |
| Assets per employee ($millions) | 4.1530% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 6,471 |
| Loan loss allowance to noncurrent loans | 921.5772% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 5,981 |
| Noncurrent loans to loans | 0.0730% | 6,120 |
| Net loans and leases to total assets | 76.9236% | 884 |
| Net loans and leases to deposits | 87.4795% | 1,430 |
| Net loans and leases to core deposits | 89.7461% | 1,996 |
| Total domestic deposits to total assets | 87.9333% | 2,173 |
| Equity capital to assets | 11.2034% | 2,563 |
| Core capital (leverage) ratio | 11.2233% | 2,281 |
| Tier 1 risk-based capital ratio | 17.9995% | 2,324 |
| Total risk-based capital ratio | 18.8344% | 2,450 |
| Memoranda: | ||
| Average total assets | $1,585,110,000 | 438 |
| Average earning assets | $1,518,111,500 | 411 |
| Average equity | $176,663,500 | 432 |
| Average total loans | $1,203,206,750 | 372 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 6,133 |
| Cost of funding earning assets | 0.4623% | 4,288 |
| Net interest margin | 2.8084% | 5,987 |
| Noninterest income to average assets | 1.9318% | 471 |
| Noninterest expense to average assets | 3.1888% | 2,385 |
| Loan and lease loss provision to assets | 0.0695% | 3,647 |
| Net operating income to assets | 0.8412% | 3,093 |
| Return on assets (ROA) | 0.8412% | 3,251 |
| Pretax return on assets | 1.3636% | 2,070 |
| Return on Equity (ROE) | 7.5608% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.5608% | 1,644 |
| Net charge-offs to loans | 0.0478% | 4,009 |
| Credit loss provision to net charge-offs | 192.6056% | 1,235 |
| Earnings coverage of net charge-offs (x) | 39.7359% | 931 |
| Efficiency ratio | 68.9938% | 4,011 |
| Assets per employee ($millions) | 4.1765% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 6,529 |
| Loan loss allowance to noncurrent loans | 500.8589% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 5,885 |
| Noncurrent loans to loans | 0.1345% | 5,990 |
| Net loans and leases to total assets | 75.4723% | 1,044 |
| Net loans and leases to deposits | 85.8080% | 1,594 |
| Net loans and leases to core deposits | 87.9467% | 2,116 |
| Total domestic deposits to total assets | 87.9549% | 2,278 |
| Equity capital to assets | 11.1560% | 2,606 |
| Core capital (leverage) ratio | 11.1688% | 2,198 |
| Tier 1 risk-based capital ratio | 18.2856% | 2,217 |
| Total risk-based capital ratio | 19.1232% | 2,330 |
| Memoranda: | ||
| Average total assets | $1,574,971,330 | 437 |
| Average earning assets | $1,508,563,670 | 413 |
| Average equity | $175,220,000 | 432 |
| Average total loans | $1,187,231,000 | 374 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 6,129 |
| Cost of funding earning assets | 0.4716% | 4,354 |
| Net interest margin | 2.8435% | 5,933 |
| Noninterest income to average assets | 1.8827% | 468 |
| Noninterest expense to average assets | 3.1371% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8963% | 2,677 |
| Return on assets (ROA) | 0.8963% | 2,824 |
| Pretax return on assets | 1.4673% | 1,661 |
| Return on Equity (ROE) | 8.0674% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.0674% | 1,729 |
| Net charge-offs to loans | 0.0409% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 47.8333% | 697 |
| Efficiency ratio | 68.1324% | 4,284 |
| Assets per employee ($millions) | 4.2331% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 6,638 |
| Loan loss allowance to noncurrent loans | 452.6469% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,915 |
| Noncurrent loans to loans | 0.1464% | 6,032 |
| Net loans and leases to total assets | 73.2995% | 1,170 |
| Net loans and leases to deposits | 83.2889% | 1,669 |
| Net loans and leases to core deposits | 85.2505% | 2,188 |
| Total domestic deposits to total assets | 88.0064% | 2,306 |
| Equity capital to assets | 11.0305% | 2,927 |
| Core capital (leverage) ratio | 11.0072% | 2,255 |
| Tier 1 risk-based capital ratio | 18.6476% | 2,139 |
| Total risk-based capital ratio | 19.4762% | 2,243 |
| Memoranda: | ||
| Average total assets | $1,564,741,500 | 443 |
| Average earning assets | $1,497,739,500 | 421 |
| Average equity | $173,836,500 | 439 |
| Average total loans | $1,174,710,000 | 377 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 6,116 |
| Cost of funding earning assets | 0.5692% | 4,654 |
| Net interest margin | 3.0925% | 5,832 |
| Noninterest income to average assets | 2.0331% | 426 |
| Noninterest expense to average assets | 3.4348% | 1,980 |
| Loan and lease loss provision to assets | -0.0030% | 6,812 |
| Net operating income to assets | 1.0174% | 2,267 |
| Return on assets (ROA) | 1.0174% | 2,479 |
| Pretax return on assets | 1.5582% | 1,494 |
| Return on Equity (ROE) | 9.1250% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.1250% | 788 |
| Net charge-offs to loans | 0.0667% | 5,014 |
| Credit loss provision to net charge-offs | -5.8824% | 6,209 |
| Earnings coverage of net charge-offs (x) | 30.5642% | 1,000 |
| Efficiency ratio | 68.8333% | 3,996 |
| Assets per employee ($millions) | 4.1789% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 6,667 |
| Loan loss allowance to noncurrent loans | 432.2210% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 5,998 |
| Noncurrent loans to loans | 0.1556% | 6,088 |
| Net loans and leases to total assets | 75.8903% | 926 |
| Net loans and leases to deposits | 86.5122% | 1,445 |
| Net loans and leases to core deposits | 88.5210% | 2,031 |
| Total domestic deposits to total assets | 87.7221% | 2,396 |
| Equity capital to assets | 11.1915% | 2,746 |
| Core capital (leverage) ratio | 11.1652% | 2,110 |
| Tier 1 risk-based capital ratio | 18.2824% | 2,176 |
| Total risk-based capital ratio | 19.1241% | 2,278 |
| Memoranda: | ||
| Average total assets | $1,469,994,200 | 456 |
| Average earning assets | $1,405,539,200 | 434 |
| Average equity | $163,889,800 | 456 |
| Average total loans | $1,120,670,600 | 389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 6,212 |
| Cost of funding earning assets | 0.5890% | 4,756 |
| Net interest margin | 3.1152% | 5,904 |
| Noninterest income to average assets | 1.9240% | 441 |
| Noninterest expense to average assets | 3.2607% | 2,389 |
| Loan and lease loss provision to assets | 0.0421% | 5,248 |
| Net operating income to assets | 0.9923% | 2,546 |
| Return on assets (ROA) | 0.9923% | 2,773 |
| Pretax return on assets | 1.5993% | 1,576 |
| Return on Equity (ROE) | 8.9092% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.9092% | 1,263 |
| Net charge-offs to loans | 0.1071% | 4,317 |
| Credit loss provision to net charge-offs | 51.6310% | 4,358 |
| Earnings coverage of net charge-offs (x) | 20.1215% | 1,459 |
| Efficiency ratio | 66.5163% | 4,352 |
| Assets per employee ($millions) | 4.1383% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 6,744 |
| Loan loss allowance to noncurrent loans | 399.1787% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 6,252 |
| Noncurrent loans to loans | 0.1766% | 6,170 |
| Net loans and leases to total assets | 78.3199% | 693 |
| Net loans and leases to deposits | 89.3383% | 1,221 |
| Net loans and leases to core deposits | 91.4847% | 1,826 |
| Total domestic deposits to total assets | 87.6666% | 2,250 |
| Equity capital to assets | 11.3102% | 2,924 |
| Core capital (leverage) ratio | 11.2794% | 2,153 |
| Tier 1 risk-based capital ratio | 17.9305% | 2,381 |
| Total risk-based capital ratio | 18.8152% | 2,482 |
| Memoranda: | ||
| Average total assets | $1,453,037,000 | 462 |
| Average earning assets | $1,389,080,750 | 437 |
| Average equity | $161,836,000 | 459 |
| Average total loans | $1,107,098,250 | 391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 6,342 |
| Cost of funding earning assets | 0.6068% | 4,845 |
| Net interest margin | 3.0905% | 6,036 |
| Noninterest income to average assets | 1.7912% | 486 |
| Noninterest expense to average assets | 3.2030% | 2,578 |
| Loan and lease loss provision to assets | 0.1165% | 4,070 |
| Net operating income to assets | 0.8709% | 3,039 |
| Return on assets (ROA) | 0.8709% | 3,299 |
| Pretax return on assets | 1.4254% | 2,106 |
| Return on Equity (ROE) | 7.8613% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.8613% | 1,694 |
| Net charge-offs to loans | 0.2027% | 3,365 |
| Credit loss provision to net charge-offs | 76.3636% | 3,422 |
| Earnings coverage of net charge-offs (x) | 10.1073% | 2,093 |
| Efficiency ratio | 67.5045% | 4,234 |
| Assets per employee ($millions) | 4.1255% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 6,776 |
| Loan loss allowance to noncurrent loans | 370.5185% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 6,359 |
| Noncurrent loans to loans | 0.2005% | 6,182 |
| Net loans and leases to total assets | 76.9515% | 848 |
| Net loans and leases to deposits | 87.5409% | 1,416 |
| Net loans and leases to core deposits | 89.6611% | 2,020 |
| Total domestic deposits to total assets | 87.9035% | 2,211 |
| Equity capital to assets | 11.1306% | 2,986 |
| Core capital (leverage) ratio | 11.1264% | 2,180 |
| Tier 1 risk-based capital ratio | 17.9396% | 2,311 |
| Total risk-based capital ratio | 18.8681% | 2,402 |
| Memoranda: | ||
| Average total assets | $1,442,162,670 | 465 |
| Average earning assets | $1,378,288,330 | 442 |
| Average equity | $159,771,000 | 460 |
| Average total loans | $1,085,521,000 | 398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 6,429 |
| Cost of funding earning assets | 0.6358% | 4,848 |
| Net interest margin | 3.0701% | 6,127 |
| Noninterest income to average assets | 1.7135% | 508 |
| Noninterest expense to average assets | 3.2205% | 2,531 |
| Loan and lease loss provision to assets | 0.0925% | 4,195 |
| Net operating income to assets | 0.8129% | 3,324 |
| Return on assets (ROA) | 0.8129% | 3,557 |
| Pretax return on assets | 1.3322% | 2,416 |
| Return on Equity (ROE) | 7.3550% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.3550% | 2,255 |
| Net charge-offs to loans | 0.3723% | 2,192 |
| Credit loss provision to net charge-offs | 33.5360% | 3,562 |
| Earnings coverage of net charge-offs (x) | 5.1641% | 2,424 |
| Efficiency ratio | 69.3284% | 3,924 |
| Assets per employee ($millions) | 4.1924% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 6,809 |
| Loan loss allowance to noncurrent loans | 226.9057% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 6,099 |
| Noncurrent loans to loans | 0.3319% | 6,007 |
| Net loans and leases to total assets | 72.5900% | 1,299 |
| Net loans and leases to deposits | 82.4450% | 1,871 |
| Net loans and leases to core deposits | 84.3134% | 2,511 |
| Total domestic deposits to total assets | 88.0466% | 2,291 |
| Equity capital to assets | 10.9345% | 2,987 |
| Core capital (leverage) ratio | 10.9348% | 2,310 |
| Tier 1 risk-based capital ratio | 18.3183% | 2,199 |
| Total risk-based capital ratio | 19.2411% | 2,270 |
| Memoranda: | ||
| Average total assets | $1,430,976,500 | 468 |
| Average earning assets | $1,366,486,000 | 443 |
| Average equity | $158,151,000 | 463 |
| Average total loans | $1,060,574,000 | 402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 6,221 |
| Cost of funding earning assets | 0.8077% | 4,812 |
| Net interest margin | 3.3228% | 5,746 |
| Noninterest income to average assets | 1.5200% | 568 |
| Noninterest expense to average assets | 3.1665% | 2,979 |
| Loan and lease loss provision to assets | 0.2261% | 3,944 |
| Net operating income to assets | 0.7983% | 3,040 |
| Return on assets (ROA) | 0.7983% | 3,208 |
| Pretax return on assets | 1.2920% | 2,161 |
| Return on Equity (ROE) | 6.8807% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.8807% | 1,563 |
| Net charge-offs to loans | 0.1182% | 5,202 |
| Credit loss provision to net charge-offs | 247.1920% | 980 |
| Earnings coverage of net charge-offs (x) | 16.6002% | 1,316 |
| Efficiency ratio | 67.5939% | 4,443 |
| Assets per employee ($millions) | 4.0667% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,689 |
| Loan loss allowance to noncurrent loans | 380.1049% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 6,355 |
| Noncurrent loans to loans | 0.2170% | 6,307 |
| Net loans and leases to total assets | 74.5091% | 1,173 |
| Net loans and leases to deposits | 84.8870% | 1,819 |
| Net loans and leases to core deposits | 86.7955% | 2,530 |
| Total domestic deposits to total assets | 87.7745% | 2,295 |
| Equity capital to assets | 11.1741% | 2,821 |
| Core capital (leverage) ratio | 11.1660% | 2,146 |
| Tier 1 risk-based capital ratio | 18.6521% | 2,003 |
| Total risk-based capital ratio | 19.6872% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,304,550,200 | 499 |
| Average earning assets | $1,242,411,000 | 479 |
| Average equity | $151,351,600 | 464 |
| Average total loans | $1,009,611,800 | 417 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 6,201 |
| Cost of funding earning assets | 0.8402% | 4,853 |
| Net interest margin | 3.3598% | 5,683 |
| Noninterest income to average assets | 1.5129% | 575 |
| Noninterest expense to average assets | 3.1382% | 3,033 |
| Loan and lease loss provision to assets | 0.2951% | 3,165 |
| Net operating income to assets | 0.7926% | 3,200 |
| Return on assets (ROA) | 0.7926% | 3,364 |
| Pretax return on assets | 1.2777% | 2,366 |
| Return on Equity (ROE) | 6.7636% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.7636% | 2,103 |
| Net charge-offs to loans | 0.0494% | 5,495 |
| Credit loss provision to net charge-offs | 765.6757% | 352 |
| Earnings coverage of net charge-offs (x) | 40.8082% | 760 |
| Efficiency ratio | 66.6136% | 4,601 |
| Assets per employee ($millions) | 3.9105% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,552 |
| Loan loss allowance to noncurrent loans | 299.4584% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 6,354 |
| Noncurrent loans to loans | 0.3055% | 6,237 |
| Net loans and leases to total assets | 75.6741% | 1,024 |
| Net loans and leases to deposits | 86.5532% | 1,616 |
| Net loans and leases to core deposits | 88.3888% | 2,438 |
| Total domestic deposits to total assets | 87.4307% | 2,390 |
| Equity capital to assets | 11.4488% | 2,731 |
| Core capital (leverage) ratio | 11.4392% | 2,069 |
| Tier 1 risk-based capital ratio | 19.1177% | 1,893 |
| Total risk-based capital ratio | 20.2858% | 1,898 |
| Memoranda: | ||
| Average total assets | $1,279,934,500 | 513 |
| Average earning assets | $1,218,382,500 | 491 |
| Average equity | $149,996,000 | 471 |
| Average total loans | $998,498,250 | 425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 6,091 |
| Cost of funding earning assets | 0.8686% | 4,915 |
| Net interest margin | 3.4072% | 5,530 |
| Noninterest income to average assets | 1.4238% | 629 |
| Noninterest expense to average assets | 3.1741% | 2,990 |
| Loan and lease loss provision to assets | 0.2636% | 3,292 |
| Net operating income to assets | 0.7485% | 3,301 |
| Return on assets (ROA) | 0.7485% | 3,423 |
| Pretax return on assets | 1.2273% | 2,382 |
| Return on Equity (ROE) | 6.3354% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.3354% | 2,222 |
| Net charge-offs to loans | 0.0570% | 5,080 |
| Credit loss provision to net charge-offs | 587.9433% | 531 |
| Earnings coverage of net charge-offs (x) | 33.2589% | 858 |
| Efficiency ratio | 68.0410% | 4,503 |
| Assets per employee ($millions) | 3.7892% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 6,819 |
| Loan loss allowance to noncurrent loans | 384.3273% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,541 |
| Noncurrent loans to loans | 0.2157% | 6,475 |
| Net loans and leases to total assets | 77.1996% | 887 |
| Net loans and leases to deposits | 88.4303% | 1,438 |
| Net loans and leases to core deposits | 90.2511% | 2,342 |
| Total domestic deposits to total assets | 87.3000% | 2,571 |
| Equity capital to assets | 11.7297% | 2,303 |
| Core capital (leverage) ratio | 11.7181% | 1,772 |
| Tier 1 risk-based capital ratio | 19.1073% | 1,810 |
| Total risk-based capital ratio | 20.1597% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,258,175,330 | 527 |
| Average earning assets | $1,196,877,000 | 504 |
| Average equity | $148,657,670 | 476 |
| Average total loans | $988,872,000 | 437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 5,966 |
| Cost of funding earning assets | 0.8956% | 4,956 |
| Net interest margin | 3.4214% | 5,344 |
| Noninterest income to average assets | 1.3563% | 700 |
| Noninterest expense to average assets | 3.2545% | 2,695 |
| Loan and lease loss provision to assets | -0.0225% | 7,455 |
| Net operating income to assets | 0.8402% | 2,824 |
| Return on assets (ROA) | 0.8402% | 2,884 |
| Pretax return on assets | 1.3782% | 1,786 |
| Return on Equity (ROE) | 7.0842% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.0842% | 2,110 |
| Net charge-offs to loans | 0.0416% | 4,532 |
| Credit loss provision to net charge-offs | -68.6275% | 5,674 |
| Earnings coverage of net charge-offs (x) | 41.3039% | 666 |
| Efficiency ratio | 70.5940% | 4,142 |
| Assets per employee ($millions) | 3.7347% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6888% | 7,087 |
| Loan loss allowance to noncurrent loans | 213.8792% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 6,477 |
| Noncurrent loans to loans | 0.3220% | 6,347 |
| Net loans and leases to total assets | 76.8152% | 897 |
| Net loans and leases to deposits | 88.0904% | 1,455 |
| Net loans and leases to core deposits | 89.8135% | 2,373 |
| Total domestic deposits to total assets | 87.2004% | 2,832 |
| Equity capital to assets | 11.7133% | 2,113 |
| Core capital (leverage) ratio | 11.7091% | 1,735 |
| Tier 1 risk-based capital ratio | 19.0982% | 1,777 |
| Total risk-based capital ratio | 19.9672% | 1,845 |
| Memoranda: | ||
| Average total assets | $1,243,094,500 | 540 |
| Average earning assets | $1,182,221,500 | 514 |
| Average equity | $147,427,500 | 479 |
| Average total loans | $981,856,000 | 447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 5,634 |
| Cost of funding earning assets | 1.1196% | 5,024 |
| Net interest margin | 3.6260% | 4,696 |
| Noninterest income to average assets | 1.5508% | 611 |
| Noninterest expense to average assets | 3.3888% | 2,464 |
| Loan and lease loss provision to assets | 0.1289% | 5,874 |
| Net operating income to assets | 0.8909% | 2,424 |
| Return on assets (ROA) | 0.8909% | 2,559 |
| Pretax return on assets | 1.4748% | 1,441 |
| Return on Equity (ROE) | 7.4477% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.4477% | 1,160 |
| Net charge-offs to loans | 0.1330% | 5,577 |
| Credit loss provision to net charge-offs | 119.2790% | 3,556 |
| Earnings coverage of net charge-offs (x) | 14.8378% | 1,313 |
| Efficiency ratio | 67.8775% | 4,589 |
| Assets per employee ($millions) | 3.5882% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,129 |
| Loan loss allowance to noncurrent loans | 276.9261% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 6,628 |
| Noncurrent loans to loans | 0.2552% | 6,553 |
| Net loans and leases to total assets | 80.1233% | 649 |
| Net loans and leases to deposits | 92.2855% | 1,240 |
| Net loans and leases to core deposits | 94.0707% | 2,246 |
| Total domestic deposits to total assets | 86.8211% | 2,920 |
| Equity capital to assets | 12.0126% | 1,907 |
| Core capital (leverage) ratio | 12.0065% | 1,546 |
| Tier 1 risk-based capital ratio | 18.6225% | 1,812 |
| Total risk-based capital ratio | 19.5070% | 1,882 |
| Memoranda: | ||
| Average total assets | $1,180,551,600 | 568 |
| Average earning assets | $1,120,577,800 | 541 |
| Average equity | $141,210,600 | 488 |
| Average total loans | $959,716,600 | 466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 5,717 |
| Cost of funding earning assets | 1.1621% | 5,078 |
| Net interest margin | 3.6249% | 4,751 |
| Noninterest income to average assets | 1.5203% | 593 |
| Noninterest expense to average assets | 3.2650% | 2,691 |
| Loan and lease loss provision to assets | 0.1187% | 5,844 |
| Net operating income to assets | 0.9513% | 2,409 |
| Return on assets (ROA) | 0.9513% | 2,539 |
| Pretax return on assets | 1.5767% | 1,401 |
| Return on Equity (ROE) | 7.9617% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.9617% | 1,433 |
| Net charge-offs to loans | 0.1175% | 5,373 |
| Credit loss provision to net charge-offs | 124.0190% | 3,304 |
| Earnings coverage of net charge-offs (x) | 17.7145% | 1,310 |
| Efficiency ratio | 65.8209% | 4,903 |
| Assets per employee ($millions) | 3.5278% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 7,189 |
| Loan loss allowance to noncurrent loans | 303.5227% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 6,810 |
| Noncurrent loans to loans | 0.2330% | 6,710 |
| Net loans and leases to total assets | 80.6820% | 646 |
| Net loans and leases to deposits | 92.9927% | 1,330 |
| Net loans and leases to core deposits | 95.1757% | 2,361 |
| Total domestic deposits to total assets | 86.7617% | 2,661 |
| Equity capital to assets | 12.0277% | 2,142 |
| Core capital (leverage) ratio | 12.0153% | 1,662 |
| Tier 1 risk-based capital ratio | 18.3102% | 1,931 |
| Total risk-based capital ratio | 19.1862% | 2,005 |
| Memoranda: | ||
| Average total assets | $1,171,591,250 | 571 |
| Average earning assets | $1,111,864,000 | 542 |
| Average equity | $139,983,250 | 485 |
| Average total loans | $954,258,000 | 468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 5,801 |
| Cost of funding earning assets | 1.1935% | 5,166 |
| Net interest margin | 3.6061% | 4,785 |
| Noninterest income to average assets | 1.4086% | 638 |
| Noninterest expense to average assets | 3.2295% | 2,798 |
| Loan and lease loss provision to assets | 0.1304% | 5,579 |
| Net operating income to assets | 0.9020% | 2,548 |
| Return on assets (ROA) | 0.9020% | 2,663 |
| Pretax return on assets | 1.4707% | 1,639 |
| Return on Equity (ROE) | 7.5667% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.5667% | 1,616 |
| Net charge-offs to loans | 0.1100% | 5,064 |
| Credit loss provision to net charge-offs | 145.4894% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.8599% | 1,314 |
| Efficiency ratio | 66.8543% | 4,804 |
| Assets per employee ($millions) | 3.4859% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 7,211 |
| Loan loss allowance to noncurrent loans | 296.1950% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 6,844 |
| Noncurrent loans to loans | 0.2422% | 6,749 |
| Net loans and leases to total assets | 81.3657% | 620 |
| Net loans and leases to deposits | 93.6487% | 1,321 |
| Net loans and leases to core deposits | 96.0323% | 2,433 |
| Total domestic deposits to total assets | 86.8839% | 2,596 |
| Equity capital to assets | 11.9818% | 2,107 |
| Core capital (leverage) ratio | 11.9677% | 1,658 |
| Tier 1 risk-based capital ratio | 18.1889% | 1,900 |
| Total risk-based capital ratio | 19.0828% | 1,963 |
| Memoranda: | ||
| Average total assets | $1,162,299,000 | 572 |
| Average earning assets | $1,102,953,670 | 546 |
| Average equity | $138,554,670 | 488 |
| Average total loans | $947,461,330 | 473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 5,856 |
| Cost of funding earning assets | 1.2273% | 5,247 |
| Net interest margin | 3.5835% | 4,798 |
| Noninterest income to average assets | 1.4259% | 594 |
| Noninterest expense to average assets | 3.2074% | 2,828 |
| Loan and lease loss provision to assets | 0.0807% | 5,833 |
| Net operating income to assets | 0.9425% | 2,382 |
| Return on assets (ROA) | 0.9425% | 2,450 |
| Pretax return on assets | 1.5375% | 1,427 |
| Return on Equity (ROE) | 7.9274% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.9274% | 1,735 |
| Net charge-offs to loans | 0.0916% | 4,500 |
| Credit loss provision to net charge-offs | 108.3721% | 3,179 |
| Earnings coverage of net charge-offs (x) | 21.7209% | 1,115 |
| Efficiency ratio | 66.4656% | 5,017 |
| Assets per employee ($millions) | 3.4287% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 7,306 |
| Loan loss allowance to noncurrent loans | 305.9280% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,905 |
| Noncurrent loans to loans | 0.2343% | 6,870 |
| Net loans and leases to total assets | 79.9446% | 849 |
| Net loans and leases to deposits | 92.0215% | 1,611 |
| Net loans and leases to core deposits | 94.3313% | 2,796 |
| Total domestic deposits to total assets | 86.8760% | 2,691 |
| Equity capital to assets | 11.9258% | 2,086 |
| Core capital (leverage) ratio | 11.9139% | 1,685 |
| Tier 1 risk-based capital ratio | 18.3269% | 1,862 |
| Total risk-based capital ratio | 19.2150% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,154,336,000 | 591 |
| Average earning assets | $1,095,131,000 | 565 |
| Average equity | $137,245,500 | 496 |
| Average total loans | $938,392,500 | 497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 5,164 |
| Cost of funding earning assets | 1.4846% | 5,574 |
| Net interest margin | 3.8179% | 3,628 |
| Noninterest income to average assets | 1.4199% | 725 |
| Noninterest expense to average assets | 3.3666% | 2,786 |
| Loan and lease loss provision to assets | 0.1517% | 6,150 |
| Net operating income to assets | 0.9534% | 1,996 |
| Return on assets (ROA) | 1.0345% | 1,768 |
| Pretax return on assets | 1.6617% | 848 |
| Return on Equity (ROE) | 8.6426% | 2,153 |
| Retained earnings to average equity (ytd only) | 8.6426% | 558 |
| Net charge-offs to loans | 0.1011% | 6,118 |
| Credit loss provision to net charge-offs | 174.4186% | 2,414 |
| Earnings coverage of net charge-offs (x) | 19.3922% | 1,084 |
| Efficiency ratio | 66.6200% | 5,266 |
| Assets per employee ($millions) | 3.4219% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 7,354 |
| Loan loss allowance to noncurrent loans | 294.2392% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,885 |
| Noncurrent loans to loans | 0.2417% | 6,823 |
| Net loans and leases to total assets | 81.4909% | 766 |
| Net loans and leases to deposits | 93.7880% | 1,621 |
| Net loans and leases to core deposits | 107.7794% | 3,125 |
| Total domestic deposits to total assets | 86.8884% | 2,566 |
| Equity capital to assets | 11.8528% | 2,108 |
| Core capital (leverage) ratio | 11.8423% | 1,740 |
| Tier 1 risk-based capital ratio | 17.7042% | 1,968 |
| Total risk-based capital ratio | 18.5770% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,087,529,000 | 617 |
| Average earning assets | $1,035,016,000 | 587 |
| Average equity | $130,169,600 | 513 |
| Average total loans | $935,577,200 | 509 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 5,115 |
| Cost of funding earning assets | 1.5328% | 5,700 |
| Net interest margin | 3.8318% | 3,517 |
| Noninterest income to average assets | 1.3451% | 843 |
| Noninterest expense to average assets | 3.3947% | 2,594 |
| Loan and lease loss provision to assets | 0.1208% | 6,152 |
| Net operating income to assets | 0.9271% | 2,316 |
| Return on assets (ROA) | 1.0366% | 2,009 |
| Pretax return on assets | 1.6509% | 1,065 |
| Return on Equity (ROE) | 8.6382% | 2,396 |
| Retained earnings to average equity (ytd only) | 8.6382% | 933 |
| Net charge-offs to loans | 0.0764% | 5,919 |
| Credit loss provision to net charge-offs | 181.6822% | 2,516 |
| Earnings coverage of net charge-offs (x) | 24.0727% | 1,096 |
| Efficiency ratio | 67.9579% | 4,984 |
| Assets per employee ($millions) | 3.3579% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 7,428 |
| Loan loss allowance to noncurrent loans | 284.4996% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 6,830 |
| Noncurrent loans to loans | 0.2374% | 6,910 |
| Net loans and leases to total assets | 85.2528% | 408 |
| Net loans and leases to deposits | 98.2999% | 1,289 |
| Net loans and leases to core deposits | 113.1970% | 2,916 |
| Total domestic deposits to total assets | 86.7272% | 2,311 |
| Equity capital to assets | 12.0041% | 2,236 |
| Core capital (leverage) ratio | 11.9895% | 1,805 |
| Tier 1 risk-based capital ratio | 17.5477% | 2,112 |
| Total risk-based capital ratio | 18.3965% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,072,824,750 | 635 |
| Average earning assets | $1,021,986,000 | 599 |
| Average equity | $128,743,500 | 528 |
| Average total loans | $934,256,750 | 526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4154% | 5,061 |
| Cost of funding earning assets | 1.5728% | 5,828 |
| Net interest margin | 3.8425% | 3,362 |
| Noninterest income to average assets | 1.1958% | 1,095 |
| Noninterest expense to average assets | 3.4299% | 2,537 |
| Loan and lease loss provision to assets | 0.1044% | 6,123 |
| Net operating income to assets | 0.8044% | 2,837 |
| Return on assets (ROA) | 0.9705% | 2,303 |
| Pretax return on assets | 1.5837% | 1,240 |
| Return on Equity (ROE) | 8.0883% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.0883% | 1,183 |
| Net charge-offs to loans | 0.0648% | 5,592 |
| Credit loss provision to net charge-offs | 184.0532% | 2,492 |
| Earnings coverage of net charge-offs (x) | 25.1794% | 1,127 |
| Efficiency ratio | 70.5967% | 4,659 |
| Assets per employee ($millions) | 3.3172% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 7,491 |
| Loan loss allowance to noncurrent loans | 294.0622% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,833 |
| Noncurrent loans to loans | 0.2271% | 6,941 |
| Net loans and leases to total assets | 85.5614% | 432 |
| Net loans and leases to deposits | 98.6763% | 1,435 |
| Net loans and leases to core deposits | 112.4816% | 3,075 |
| Total domestic deposits to total assets | 86.7091% | 2,400 |
| Equity capital to assets | 11.9662% | 2,224 |
| Core capital (leverage) ratio | 11.9532% | 1,854 |
| Tier 1 risk-based capital ratio | 17.5760% | 2,120 |
| Total risk-based capital ratio | 18.4221% | 2,183 |
| Memoranda: | ||
| Average total assets | $1,061,068,000 | 657 |
| Average earning assets | $1,011,420,670 | 617 |
| Average equity | $127,319,000 | 546 |
| Average total loans | $928,640,330 | 540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 4,781 |
| Cost of funding earning assets | 1.6328% | 5,893 |
| Net interest margin | 3.8924% | 3,067 |
| Noninterest income to average assets | 0.9401% | 1,689 |
| Noninterest expense to average assets | 3.3121% | 2,626 |
| Loan and lease loss provision to assets | 0.0961% | 5,732 |
| Net operating income to assets | 0.7460% | 3,367 |
| Return on assets (ROA) | 1.0819% | 2,154 |
| Pretax return on assets | 1.7685% | 1,044 |
| Return on Equity (ROE) | 9.0039% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.0039% | 1,481 |
| Net charge-offs to loans | 0.0713% | 4,479 |
| Credit loss provision to net charge-offs | 152.7273% | 2,732 |
| Earnings coverage of net charge-offs (x) | 21.2970% | 1,341 |
| Efficiency ratio | 71.2014% | 4,323 |
| Assets per employee ($millions) | 3.3337% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 7,534 |
| Loan loss allowance to noncurrent loans | 262.2625% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 6,786 |
| Noncurrent loans to loans | 0.2544% | 6,807 |
| Net loans and leases to total assets | 85.3037% | 518 |
| Net loans and leases to deposits | 98.4520% | 1,603 |
| Net loans and leases to core deposits | 111.9018% | 3,230 |
| Total domestic deposits to total assets | 86.6450% | 2,385 |
| Equity capital to assets | 12.0255% | 2,243 |
| Core capital (leverage) ratio | 12.0123% | 1,896 |
| Tier 1 risk-based capital ratio | 17.8996% | 2,085 |
| Total risk-based capital ratio | 18.7535% | 2,129 |
| Memoranda: | ||
| Average total assets | $1,049,245,000 | 665 |
| Average earning assets | $1,000,506,000 | 626 |
| Average equity | $126,079,000 | 544 |
| Average total loans | $925,792,500 | 546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7771% | 6,513 |
| Cost of funding earning assets | 2.1770% | 5,694 |
| Net interest margin | 3.6001% | 4,884 |
| Noninterest income to average assets | 1.3796% | 758 |
| Noninterest expense to average assets | 3.1181% | 3,631 |
| Loan and lease loss provision to assets | 0.1065% | 6,014 |
| Net operating income to assets | 0.9910% | 2,594 |
| Return on assets (ROA) | 1.0238% | 2,342 |
| Pretax return on assets | 1.6459% | 1,272 |
| Return on Equity (ROE) | 8.5527% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.5527% | 695 |
| Net charge-offs to loans | 0.0407% | 6,212 |
| Credit loss provision to net charge-offs | 290.9589% | 1,561 |
| Earnings coverage of net charge-offs (x) | 46.4603% | 802 |
| Efficiency ratio | 64.6995% | 5,396 |
| Assets per employee ($millions) | 3.3713% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 7,596 |
| Loan loss allowance to noncurrent loans | 308.2904% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,725 |
| Noncurrent loans to loans | 0.2063% | 6,770 |
| Net loans and leases to total assets | 90.0645% | 192 |
| Net loans and leases to deposits | 104.1527% | 1,325 |
| Net loans and leases to core deposits | 118.1066% | 2,872 |
| Total domestic deposits to total assets | 86.4736% | 2,181 |
| Equity capital to assets | 12.0066% | 2,288 |
| Core capital (leverage) ratio | 11.9913% | 1,966 |
| Tier 1 risk-based capital ratio | 17.4708% | 2,184 |
| Total risk-based capital ratio | 18.3112% | 2,245 |
| Memoranda: | ||
| Average total assets | $996,795,400 | 664 |
| Average earning assets | $952,381,400 | 628 |
| Average equity | $119,319,000 | 570 |
| Average total loans | $897,684,800 | 544 |