Home > Guaranty Bank and Trust Company > Performance and Condition Ratios
Guaranty Bank and Trust Company, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,747 |
| Cost of funding earning assets | 0.4885% | 3,429 |
| Net interest margin | 3.9148% | 2,286 |
| Noninterest income to average assets | 0.7965% | 1,457 |
| Noninterest expense to average assets | 2.3023% | 4,119 |
| Loan and lease loss provision to assets | 0.0303% | 3,584 |
| Net operating income to assets | 1.6164% | 836 |
| Return on assets (ROA) | 1.6167% | 830 |
| Pretax return on assets | 2.0507% | 498 |
| Return on Equity (ROE) | 12.8343% | 1,403 |
| Retained earnings to average equity (ytd only) | 7.8007% | 1,328 |
| Net charge-offs to loans | 0.0222% | 2,979 |
| Credit loss provision to net charge-offs | 178.4929% | 1,585 |
| Earnings coverage of net charge-offs (x) | 122.6028% | 641 |
| Efficiency ratio | 50.3091% | 4,921 |
| Assets per employee ($millions) | 7.9666% | 663 |
| Cash dividends to net income (ytd only)* | 39.2202% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 4,474 |
| Loan loss allowance to noncurrent loans | 351.4873% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 3,854 |
| Noncurrent loans to loans | 0.2324% | 3,750 |
| Net loans and leases to total assets | 76.5189% | 1,518 |
| Net loans and leases to deposits | 92.7310% | 1,433 |
| Net loans and leases to core deposits | 99.8900% | 1,724 |
| Total domestic deposits to total assets | 82.5170% | 3,478 |
| Equity capital to assets | 13.1455% | 1,277 |
| Core capital (leverage) ratio | 11.3719% | 2,202 |
| Tier 1 risk-based capital ratio | 13.0953% | 3,792 |
| Total risk-based capital ratio | 13.8352% | 3,962 |
| Memoranda: | ||
| Average total assets | $3,753,608,200 | 276 |
| Average earning assets | $3,438,756,600 | 274 |
| Average equity | $472,818,400 | 254 |
| Average total loans | $2,874,069,800 | 262 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 2,772 |
| Cost of funding earning assets | 0.4540% | 3,502 |
| Net interest margin | 3.9016% | 2,295 |
| Noninterest income to average assets | 0.8061% | 1,453 |
| Noninterest expense to average assets | 2.3200% | 4,051 |
| Loan and lease loss provision to assets | 0.0329% | 3,359 |
| Net operating income to assets | 1.5920% | 979 |
| Return on assets (ROA) | 1.5925% | 984 |
| Pretax return on assets | 2.0269% | 583 |
| Return on Equity (ROE) | 12.7823% | 1,509 |
| Retained earnings to average equity (ytd only) | 5.9900% | 2,663 |
| Net charge-offs to loans | 0.0197% | 2,751 |
| Credit loss provision to net charge-offs | 217.9245% | 1,296 |
| Earnings coverage of net charge-offs (x) | 136.5918% | 592 |
| Efficiency ratio | 50.7141% | 4,905 |
| Assets per employee ($millions) | 7.8855% | 681 |
| Cash dividends to net income (ytd only)* | 53.1381% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 4,576 |
| Loan loss allowance to noncurrent loans | 472.1670% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,207 |
| Noncurrent loans to loans | 0.1716% | 4,121 |
| Net loans and leases to total assets | 76.3489% | 1,612 |
| Net loans and leases to deposits | 94.4987% | 1,322 |
| Net loans and leases to core deposits | 101.6393% | 1,640 |
| Total domestic deposits to total assets | 80.7936% | 3,920 |
| Equity capital to assets | 12.5064% | 1,581 |
| Core capital (leverage) ratio | 11.0970% | 2,489 |
| Tier 1 risk-based capital ratio | 12.4619% | 4,216 |
| Total risk-based capital ratio | 13.1958% | 4,411 |
| Memoranda: | ||
| Average total assets | $3,749,961,250 | 275 |
| Average earning assets | $3,434,092,250 | 273 |
| Average equity | $467,185,750 | 254 |
| Average total loans | $2,865,804,250 | 260 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,624 |
| Cost of funding earning assets | 0.4281% | 3,512 |
| Net interest margin | 3.9128% | 2,164 |
| Noninterest income to average assets | 0.7707% | 1,569 |
| Noninterest expense to average assets | 2.3602% | 3,993 |
| Loan and lease loss provision to assets | 0.0385% | 3,141 |
| Net operating income to assets | 1.5409% | 1,053 |
| Return on assets (ROA) | 1.5416% | 1,057 |
| Pretax return on assets | 1.9529% | 678 |
| Return on Equity (ROE) | 12.3899% | 1,587 |
| Retained earnings to average equity (ytd only) | 2.1343% | 4,418 |
| Net charge-offs to loans | 0.0153% | 2,632 |
| Credit loss provision to net charge-offs | 329.3578% | 944 |
| Earnings coverage of net charge-offs (x) | 170.3073% | 474 |
| Efficiency ratio | 51.9519% | 4,896 |
| Assets per employee ($millions) | 7.5784% | 743 |
| Cash dividends to net income (ytd only)* | 82.7740% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 4,620 |
| Loan loss allowance to noncurrent loans | 487.1795% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 4,261 |
| Noncurrent loans to loans | 0.1695% | 4,150 |
| Net loans and leases to total assets | 75.5942% | 1,701 |
| Net loans and leases to deposits | 96.0299% | 1,133 |
| Net loans and leases to core deposits | 103.3605% | 1,447 |
| Total domestic deposits to total assets | 78.7194% | 4,474 |
| Equity capital to assets | 12.2288% | 1,707 |
| Core capital (leverage) ratio | 10.6696% | 2,846 |
| Tier 1 risk-based capital ratio | 12.0779% | 4,455 |
| Total risk-based capital ratio | 12.8209% | 4,639 |
| Memoranda: | ||
| Average total assets | $3,730,384,670 | 272 |
| Average earning assets | $3,413,147,330 | 272 |
| Average equity | $464,137,000 | 251 |
| Average total loans | $2,843,858,000 | 259 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,586 |
| Cost of funding earning assets | 0.3956% | 3,619 |
| Net interest margin | 3.8879% | 2,092 |
| Noninterest income to average assets | 0.7536% | 1,608 |
| Noninterest expense to average assets | 2.3186% | 4,148 |
| Loan and lease loss provision to assets | 0.0203% | 3,267 |
| Net operating income to assets | 1.5667% | 922 |
| Return on assets (ROA) | 1.5667% | 936 |
| Pretax return on assets | 1.9711% | 609 |
| Return on Equity (ROE) | 12.4827% | 1,418 |
| Retained earnings to average equity (ytd only) | 12.4827% | 601 |
| Net charge-offs to loans | 0.0124% | 2,311 |
| Credit loss provision to net charge-offs | 213.6364% | 1,007 |
| Earnings coverage of net charge-offs (x) | 209.8068% | 322 |
| Efficiency ratio | 51.5140% | 4,997 |
| Assets per employee ($millions) | 7.3366% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 4,732 |
| Loan loss allowance to noncurrent loans | 449.9037% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 4,296 |
| Noncurrent loans to loans | 0.1823% | 4,152 |
| Net loans and leases to total assets | 75.9243% | 1,554 |
| Net loans and leases to deposits | 93.0366% | 1,327 |
| Net loans and leases to core deposits | 99.8864% | 1,695 |
| Total domestic deposits to total assets | 81.6069% | 4,063 |
| Equity capital to assets | 12.6744% | 1,394 |
| Core capital (leverage) ratio | 10.9452% | 2,496 |
| Tier 1 risk-based capital ratio | 12.4564% | 4,276 |
| Total risk-based capital ratio | 13.1946% | 4,477 |
| Memoranda: | ||
| Average total assets | $3,708,545,500 | 273 |
| Average earning assets | $3,392,350,000 | 271 |
| Average equity | $465,443,500 | 252 |
| Average total loans | $2,827,426,500 | 261 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 2,601 |
| Cost of funding earning assets | 0.3166% | 3,989 |
| Net interest margin | 3.9080% | 2,068 |
| Noninterest income to average assets | 0.7327% | 1,834 |
| Noninterest expense to average assets | 2.4599% | 3,915 |
| Loan and lease loss provision to assets | 0.0286% | 3,701 |
| Net operating income to assets | 1.2034% | 1,509 |
| Return on assets (ROA) | 1.2033% | 1,539 |
| Pretax return on assets | 1.8196% | 756 |
| Return on Equity (ROE) | 9.8353% | 1,957 |
| Retained earnings to average equity (ytd only) | 5.4353% | 1,852 |
| Net charge-offs to loans | 0.0378% | 3,039 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 64.7248% | 902 |
| Efficiency ratio | 55.2633% | 4,836 |
| Assets per employee ($millions) | 7.5612% | 745 |
| Cash dividends to net income (ytd only)* | 44.7368% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 4,745 |
| Loan loss allowance to noncurrent loans | 418.6926% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,274 |
| Noncurrent loans to loans | 0.1978% | 4,122 |
| Net loans and leases to total assets | 75.2990% | 1,710 |
| Net loans and leases to deposits | 94.2587% | 1,243 |
| Net loans and leases to core deposits | 101.2210% | 1,614 |
| Total domestic deposits to total assets | 79.8854% | 4,356 |
| Equity capital to assets | 12.4260% | 1,559 |
| Core capital (leverage) ratio | 11.0494% | 2,290 |
| Tier 1 risk-based capital ratio | 12.2921% | 4,336 |
| Total risk-based capital ratio | 13.0311% | 4,553 |
| Memoranda: | ||
| Average total assets | $3,473,706,600 | 277 |
| Average earning assets | $3,178,279,200 | 273 |
| Average equity | $425,000,000 | 255 |
| Average total loans | $2,627,521,200 | 267 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,554 |
| Cost of funding earning assets | 0.3149% | 3,989 |
| Net interest margin | 3.9015% | 2,039 |
| Noninterest income to average assets | 0.7378% | 1,842 |
| Noninterest expense to average assets | 2.4142% | 3,984 |
| Loan and lease loss provision to assets | 0.0276% | 3,580 |
| Net operating income to assets | 1.2606% | 1,468 |
| Return on assets (ROA) | 1.2583% | 1,503 |
| Pretax return on assets | 1.8640% | 760 |
| Return on Equity (ROE) | 10.3285% | 1,977 |
| Retained earnings to average equity (ytd only) | 4.3407% | 3,326 |
| Net charge-offs to loans | 0.0546% | 2,358 |
| Credit loss provision to net charge-offs | 66.9187% | 2,726 |
| Earnings coverage of net charge-offs (x) | 45.9121% | 1,183 |
| Efficiency ratio | 54.2427% | 4,916 |
| Assets per employee ($millions) | 7.3854% | 800 |
| Cash dividends to net income (ytd only)* | 57.9737% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,721 |
| Loan loss allowance to noncurrent loans | 482.7150% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,572 |
| Noncurrent loans to loans | 0.1782% | 4,354 |
| Net loans and leases to total assets | 75.2259% | 1,722 |
| Net loans and leases to deposits | 90.5536% | 1,740 |
| Net loans and leases to core deposits | 97.1206% | 1,965 |
| Total domestic deposits to total assets | 83.0734% | 3,434 |
| Equity capital to assets | 12.1141% | 1,893 |
| Core capital (leverage) ratio | 10.8939% | 2,558 |
| Tier 1 risk-based capital ratio | 12.2297% | 4,476 |
| Total risk-based capital ratio | 13.0016% | 4,677 |
| Memoranda: | ||
| Average total assets | $3,417,772,000 | 278 |
| Average earning assets | $3,128,574,000 | 275 |
| Average equity | $416,389,250 | 255 |
| Average total loans | $2,582,554,500 | 272 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 2,666 |
| Cost of funding earning assets | 0.3167% | 3,911 |
| Net interest margin | 3.8335% | 2,162 |
| Noninterest income to average assets | 0.7452% | 1,788 |
| Noninterest expense to average assets | 2.3759% | 4,128 |
| Loan and lease loss provision to assets | 0.0125% | 3,706 |
| Net operating income to assets | 1.2563% | 1,415 |
| Return on assets (ROA) | 1.2563% | 1,441 |
| Pretax return on assets | 1.8610% | 726 |
| Return on Equity (ROE) | 10.2919% | 1,914 |
| Retained earnings to average equity (ytd only) | 1.2478% | 4,747 |
| Net charge-offs to loans | 0.0262% | 2,689 |
| Credit loss provision to net charge-offs | 62.9851% | 2,440 |
| Earnings coverage of net charge-offs (x) | 94.7254% | 679 |
| Efficiency ratio | 54.1103% | 5,007 |
| Assets per employee ($millions) | 7.1465% | 870 |
| Cash dividends to net income (ytd only)* | 87.8759% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,651 |
| Loan loss allowance to noncurrent loans | 500.3245% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 4,628 |
| Noncurrent loans to loans | 0.1793% | 4,402 |
| Net loans and leases to total assets | 75.1185% | 1,681 |
| Net loans and leases to deposits | 91.8083% | 1,525 |
| Net loans and leases to core deposits | 98.8151% | 1,746 |
| Total domestic deposits to total assets | 81.8211% | 3,934 |
| Equity capital to assets | 12.1467% | 1,832 |
| Core capital (leverage) ratio | 10.6035% | 2,811 |
| Tier 1 risk-based capital ratio | 12.1858% | 4,499 |
| Total risk-based capital ratio | 12.9882% | 4,698 |
| Memoranda: | ||
| Average total assets | $3,387,678,000 | 280 |
| Average earning assets | $3,096,644,330 | 279 |
| Average equity | $413,529,000 | 258 |
| Average total loans | $2,556,117,330 | 273 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 2,838 |
| Cost of funding earning assets | 0.3007% | 4,039 |
| Net interest margin | 3.7530% | 2,291 |
| Noninterest income to average assets | 0.7297% | 1,831 |
| Noninterest expense to average assets | 2.3529% | 4,254 |
| Loan and lease loss provision to assets | 0.0006% | 3,534 |
| Net operating income to assets | 1.2435% | 1,396 |
| Return on assets (ROA) | 1.2435% | 1,433 |
| Pretax return on assets | 1.8085% | 778 |
| Return on Equity (ROE) | 10.1621% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.1621% | 777 |
| Net charge-offs to loans | 0.0126% | 2,558 |
| Credit loss provision to net charge-offs | 6.2500% | 2,247 |
| Earnings coverage of net charge-offs (x) | 191.1250% | 295 |
| Efficiency ratio | 54.6879% | 5,070 |
| Assets per employee ($millions) | 7.0344% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,752 |
| Loan loss allowance to noncurrent loans | 454.2336% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,624 |
| Noncurrent loans to loans | 0.1985% | 4,410 |
| Net loans and leases to total assets | 74.9814% | 1,579 |
| Net loans and leases to deposits | 92.0338% | 1,326 |
| Net loans and leases to core deposits | 98.9089% | 1,586 |
| Total domestic deposits to total assets | 81.4716% | 4,307 |
| Equity capital to assets | 12.3425% | 1,637 |
| Core capital (leverage) ratio | 10.9175% | 2,456 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,400 |
| Total risk-based capital ratio | 13.2900% | 4,583 |
| Memoranda: | ||
| Average total assets | $3,380,646,000 | 283 |
| Average earning assets | $3,091,826,000 | 280 |
| Average equity | $413,694,000 | 260 |
| Average total loans | $2,544,944,000 | 277 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 3,508 |
| Cost of funding earning assets | 0.2927% | 4,145 |
| Net interest margin | 3.6246% | 2,983 |
| Noninterest income to average assets | 0.6945% | 2,202 |
| Noninterest expense to average assets | 2.5752% | 3,761 |
| Loan and lease loss provision to assets | 0.0052% | 4,253 |
| Net operating income to assets | 0.9832% | 2,425 |
| Return on assets (ROA) | 0.9748% | 2,570 |
| Pretax return on assets | 1.4454% | 1,766 |
| Return on Equity (ROE) | 8.6952% | 2,567 |
| Retained earnings to average equity (ytd only) | 5.5335% | 1,994 |
| Net charge-offs to loans | -0.0051% | 4,809 |
| Credit loss provision to net charge-offs | -133.6449% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4247% | 4,186 |
| Assets per employee ($millions) | 6.7816% | 1,015 |
| Cash dividends to net income (ytd only)* | 36.3609% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 4,683 |
| Loan loss allowance to noncurrent loans | 443.1948% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,628 |
| Noncurrent loans to loans | 0.2082% | 4,410 |
| Net loans and leases to total assets | 74.2010% | 1,818 |
| Net loans and leases to deposits | 92.1405% | 1,436 |
| Net loans and leases to core deposits | 96.6310% | 1,869 |
| Total domestic deposits to total assets | 80.5303% | 4,445 |
| Equity capital to assets | 12.1307% | 1,723 |
| Core capital (leverage) ratio | 10.7552% | 2,586 |
| Tier 1 risk-based capital ratio | 12.4306% | 4,424 |
| Total risk-based capital ratio | 13.2576% | 4,605 |
| Memoranda: | ||
| Average total assets | $2,764,981,400 | 316 |
| Average earning assets | $2,548,256,600 | 311 |
| Average equity | $309,965,600 | 315 |
| Average total loans | $2,095,092,400 | 298 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 3,901 |
| Cost of funding earning assets | 0.2935% | 4,173 |
| Net interest margin | 3.5132% | 3,421 |
| Noninterest income to average assets | 0.6651% | 2,340 |
| Noninterest expense to average assets | 2.4522% | 4,126 |
| Loan and lease loss provision to assets | 0.0027% | 4,164 |
| Net operating income to assets | 0.9664% | 2,585 |
| Return on assets (ROA) | 0.9623% | 2,746 |
| Pretax return on assets | 1.4520% | 1,874 |
| Return on Equity (ROE) | 8.8168% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.2393% | 3,311 |
| Net charge-offs to loans | -0.0166% | 4,949 |
| Credit loss provision to net charge-offs | -21.4575% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5345% | 4,310 |
| Assets per employee ($millions) | 6.2604% | 1,259 |
| Cash dividends to net income (ytd only)* | 51.9178% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 4,590 |
| Loan loss allowance to noncurrent loans | 398.9726% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,662 |
| Noncurrent loans to loans | 0.2420% | 4,405 |
| Net loans and leases to total assets | 71.4827% | 2,265 |
| Net loans and leases to deposits | 86.4656% | 2,216 |
| Net loans and leases to core deposits | 91.1795% | 2,466 |
| Total domestic deposits to total assets | 82.6719% | 3,717 |
| Equity capital to assets | 12.0688% | 2,068 |
| Core capital (leverage) ratio | 13.4813% | 1,009 |
| Tier 1 risk-based capital ratio | 12.7373% | 4,318 |
| Total risk-based capital ratio | 13.6055% | 4,473 |
| Memoranda: | ||
| Average total assets | $2,615,305,750 | 330 |
| Average earning assets | $2,417,892,750 | 328 |
| Average equity | $285,447,250 | 332 |
| Average total loans | $1,989,081,000 | 305 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,371 |
| Cost of funding earning assets | 0.3125% | 3,992 |
| Net interest margin | 3.6515% | 2,892 |
| Noninterest income to average assets | 0.7016% | 2,137 |
| Noninterest expense to average assets | 2.5579% | 3,866 |
| Loan and lease loss provision to assets | 0.0022% | 3,992 |
| Net operating income to assets | 1.0155% | 2,322 |
| Return on assets (ROA) | 1.0123% | 2,473 |
| Pretax return on assets | 1.5298% | 1,589 |
| Return on Equity (ROE) | 9.7599% | 2,155 |
| Retained earnings to average equity (ytd only) | 1.7960% | 4,655 |
| Net charge-offs to loans | -0.0026% | 4,402 |
| Credit loss provision to net charge-offs | -108.3333% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4838% | 4,431 |
| Assets per employee ($millions) | 6.8358% | 933 |
| Cash dividends to net income (ytd only)* | 81.5987% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,276 |
| Loan loss allowance to noncurrent loans | 172.9572% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 3,268 |
| Noncurrent loans to loans | 0.7020% | 2,974 |
| Net loans and leases to total assets | 78.3900% | 1,147 |
| Net loans and leases to deposits | 101.1062% | 626 |
| Net loans and leases to core deposits | 107.7923% | 1,046 |
| Total domestic deposits to total assets | 77.5324% | 5,079 |
| Equity capital to assets | 10.3113% | 3,846 |
| Core capital (leverage) ratio | 10.5393% | 2,924 |
| Tier 1 risk-based capital ratio | 11.8874% | 4,907 |
| Total risk-based capital ratio | 12.9982% | 4,890 |
| Memoranda: | ||
| Average total assets | $2,372,726,670 | 349 |
| Average earning assets | $2,204,737,330 | 345 |
| Average equity | $246,108,000 | 365 |
| Average total loans | $1,847,775,000 | 318 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,274 |
| Cost of funding earning assets | 0.2990% | 4,174 |
| Net interest margin | 3.6846% | 2,735 |
| Noninterest income to average assets | 0.6959% | 2,059 |
| Noninterest expense to average assets | 2.6534% | 3,564 |
| Loan and lease loss provision to assets | 0.0027% | 3,635 |
| Net operating income to assets | 0.9655% | 2,431 |
| Return on assets (ROA) | 0.9705% | 2,522 |
| Pretax return on assets | 1.4693% | 1,687 |
| Return on Equity (ROE) | 9.3291% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.3291% | 1,017 |
| Net charge-offs to loans | -0.0020% | 4,119 |
| Credit loss provision to net charge-offs | -177.7778% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4517% | 4,225 |
| Assets per employee ($millions) | 6.7232% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 3,127 |
| Loan loss allowance to noncurrent loans | 171.8155% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 3,269 |
| Noncurrent loans to loans | 0.7322% | 3,004 |
| Net loans and leases to total assets | 76.5821% | 1,310 |
| Net loans and leases to deposits | 96.4889% | 894 |
| Net loans and leases to core deposits | 103.5338% | 1,217 |
| Total domestic deposits to total assets | 79.3688% | 4,882 |
| Equity capital to assets | 10.5644% | 3,413 |
| Core capital (leverage) ratio | 10.6553% | 2,789 |
| Tier 1 risk-based capital ratio | 12.1919% | 4,781 |
| Total risk-based capital ratio | 13.3169% | 4,790 |
| Memoranda: | ||
| Average total assets | $2,362,832,000 | 350 |
| Average earning assets | $2,194,293,500 | 344 |
| Average equity | $245,812,500 | 364 |
| Average total loans | $1,822,391,000 | 319 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,388 |
| Cost of funding earning assets | 0.2192% | 5,101 |
| Net interest margin | 3.7588% | 2,528 |
| Noninterest income to average assets | 0.7573% | 1,947 |
| Noninterest expense to average assets | 2.6464% | 3,767 |
| Loan and lease loss provision to assets | 0.0043% | 4,307 |
| Net operating income to assets | 1.0601% | 2,082 |
| Return on assets (ROA) | 1.0586% | 2,172 |
| Pretax return on assets | 1.5847% | 1,295 |
| Return on Equity (ROE) | 10.1258% | 1,966 |
| Retained earnings to average equity (ytd only) | 6.5328% | 1,520 |
| Net charge-offs to loans | -0.0249% | 5,339 |
| Credit loss provision to net charge-offs | -23.1884% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3981% | 4,857 |
| Assets per employee ($millions) | 6.6831% | 1,014 |
| Cash dividends to net income (ytd only)* | 35.4835% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 3,075 |
| Loan loss allowance to noncurrent loans | 158.9166% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 3,135 |
| Noncurrent loans to loans | 0.7976% | 2,796 |
| Net loans and leases to total assets | 75.7259% | 1,461 |
| Net loans and leases to deposits | 99.2153% | 736 |
| Net loans and leases to core deposits | 104.9497% | 1,171 |
| Total domestic deposits to total assets | 76.3249% | 5,410 |
| Equity capital to assets | 10.2426% | 3,691 |
| Core capital (leverage) ratio | 10.5495% | 2,882 |
| Tier 1 risk-based capital ratio | 11.9612% | 4,976 |
| Total risk-based capital ratio | 13.0897% | 4,967 |
| Memoranda: | ||
| Average total assets | $2,236,300,600 | 349 |
| Average earning assets | $2,068,996,000 | 346 |
| Average equity | $233,789,800 | 369 |
| Average total loans | $1,661,186,600 | 329 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,403 |
| Cost of funding earning assets | 0.2060% | 5,325 |
| Net interest margin | 3.7776% | 2,470 |
| Noninterest income to average assets | 0.7768% | 1,896 |
| Noninterest expense to average assets | 2.6864% | 3,610 |
| Loan and lease loss provision to assets | 0.0063% | 4,135 |
| Net operating income to assets | 1.0504% | 2,214 |
| Return on assets (ROA) | 1.0430% | 2,347 |
| Pretax return on assets | 1.5681% | 1,487 |
| Return on Equity (ROE) | 9.9230% | 2,136 |
| Retained earnings to average equity (ytd only) | 5.0884% | 2,851 |
| Net charge-offs to loans | -0.0243% | 5,268 |
| Credit loss provision to net charge-offs | -35.1351% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8340% | 4,768 |
| Assets per employee ($millions) | 6.4867% | 1,076 |
| Cash dividends to net income (ytd only)* | 48.7211% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,964 |
| Loan loss allowance to noncurrent loans | 157.7424% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 3,166 |
| Noncurrent loans to loans | 0.8407% | 2,867 |
| Net loans and leases to total assets | 74.5962% | 1,626 |
| Net loans and leases to deposits | 91.8781% | 1,423 |
| Net loans and leases to core deposits | 96.7235% | 1,819 |
| Total domestic deposits to total assets | 81.1904% | 4,425 |
| Equity capital to assets | 10.3708% | 3,731 |
| Core capital (leverage) ratio | 10.4973% | 3,050 |
| Tier 1 risk-based capital ratio | 11.9392% | 5,113 |
| Total risk-based capital ratio | 13.0956% | 5,096 |
| Memoranda: | ||
| Average total assets | $2,203,921,750 | 359 |
| Average earning assets | $2,036,855,500 | 356 |
| Average equity | $231,657,000 | 377 |
| Average total loans | $1,622,849,250 | 339 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,362 |
| Cost of funding earning assets | 0.1886% | 5,539 |
| Net interest margin | 3.7948% | 2,336 |
| Noninterest income to average assets | 0.7773% | 1,882 |
| Noninterest expense to average assets | 2.7331% | 3,477 |
| Loan and lease loss provision to assets | 0.0083% | 3,945 |
| Net operating income to assets | 1.0208% | 2,288 |
| Return on assets (ROA) | 1.0096% | 2,452 |
| Pretax return on assets | 1.5249% | 1,572 |
| Return on Equity (ROE) | 9.5606% | 2,274 |
| Retained earnings to average equity (ytd only) | 2.2545% | 4,588 |
| Net charge-offs to loans | -0.0340% | 5,377 |
| Credit loss provision to net charge-offs | -33.3333% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7672% | 4,709 |
| Assets per employee ($millions) | 6.5720% | 1,021 |
| Cash dividends to net income (ytd only)* | 76.4192% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,895 |
| Loan loss allowance to noncurrent loans | 172.0892% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 3,456 |
| Noncurrent loans to loans | 0.7957% | 3,122 |
| Net loans and leases to total assets | 72.5880% | 1,885 |
| Net loans and leases to deposits | 94.0270% | 1,148 |
| Net loans and leases to core deposits | 99.1730% | 1,558 |
| Total domestic deposits to total assets | 77.1991% | 5,426 |
| Equity capital to assets | 10.1326% | 3,895 |
| Core capital (leverage) ratio | 10.4985% | 2,952 |
| Tier 1 risk-based capital ratio | 11.7527% | 5,307 |
| Total risk-based capital ratio | 12.9249% | 5,267 |
| Memoranda: | ||
| Average total assets | $2,177,459,330 | 362 |
| Average earning assets | $2,008,397,000 | 359 |
| Average equity | $229,943,670 | 381 |
| Average total loans | $1,588,415,330 | 341 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,074 |
| Cost of funding earning assets | 0.1788% | 5,689 |
| Net interest margin | 3.8633% | 2,019 |
| Noninterest income to average assets | 0.7696% | 1,829 |
| Noninterest expense to average assets | 2.8696% | 3,005 |
| Loan and lease loss provision to assets | -0.0043% | 6,082 |
| Net operating income to assets | 0.9718% | 2,382 |
| Return on assets (ROA) | 0.9718% | 2,518 |
| Pretax return on assets | 1.4625% | 1,687 |
| Return on Equity (ROE) | 9.0086% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.0086% | 1,191 |
| Net charge-offs to loans | -0.0085% | 4,655 |
| Credit loss provision to net charge-offs | 69.6970% | 1,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1616% | 4,453 |
| Assets per employee ($millions) | 6.1577% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 2,693 |
| Loan loss allowance to noncurrent loans | 169.5937% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 3,335 |
| Noncurrent loans to loans | 0.8531% | 3,114 |
| Net loans and leases to total assets | 71.5227% | 1,889 |
| Net loans and leases to deposits | 88.9331% | 1,514 |
| Net loans and leases to core deposits | 91.9436% | 1,949 |
| Total domestic deposits to total assets | 80.4231% | 4,953 |
| Equity capital to assets | 10.8862% | 3,106 |
| Core capital (leverage) ratio | 11.0236% | 2,393 |
| Tier 1 risk-based capital ratio | 12.4549% | 4,936 |
| Total risk-based capital ratio | 13.6711% | 4,875 |
| Memoranda: | ||
| Average total assets | $2,132,525,000 | 368 |
| Average earning assets | $1,964,136,500 | 363 |
| Average equity | $230,046,000 | 379 |
| Average total loans | $1,548,294,000 | 343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 3,428 |
| Cost of funding earning assets | 0.3187% | 4,598 |
| Net interest margin | 3.7542% | 2,800 |
| Noninterest income to average assets | 0.8107% | 1,829 |
| Noninterest expense to average assets | 3.1626% | 2,322 |
| Loan and lease loss provision to assets | 0.0007% | 4,596 |
| Net operating income to assets | 0.7446% | 3,652 |
| Return on assets (ROA) | 0.7363% | 3,813 |
| Pretax return on assets | 1.0858% | 3,140 |
| Return on Equity (ROE) | 6.8542% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.8542% | 1,475 |
| Net charge-offs to loans | -0.1029% | 6,117 |
| Credit loss provision to net charge-offs | -0.9517% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3774% | 3,314 |
| Assets per employee ($millions) | 5.8623% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 2,650 |
| Loan loss allowance to noncurrent loans | 178.2516% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 3,484 |
| Noncurrent loans to loans | 0.8185% | 3,267 |
| Net loans and leases to total assets | 71.5754% | 1,979 |
| Net loans and leases to deposits | 89.8715% | 1,530 |
| Net loans and leases to core deposits | 92.9581% | 1,996 |
| Total domestic deposits to total assets | 79.6420% | 5,111 |
| Equity capital to assets | 10.6878% | 3,252 |
| Core capital (leverage) ratio | 10.8611% | 2,545 |
| Tier 1 risk-based capital ratio | 12.3293% | 5,136 |
| Total risk-based capital ratio | 13.5766% | 5,053 |
| Memoranda: | ||
| Average total assets | $2,019,276,800 | 370 |
| Average earning assets | $1,853,612,200 | 363 |
| Average equity | $216,918,200 | 379 |
| Average total loans | $1,428,905,400 | 344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 3,413 |
| Cost of funding earning assets | 0.3212% | 4,657 |
| Net interest margin | 3.7712% | 2,729 |
| Noninterest income to average assets | 0.7757% | 1,987 |
| Noninterest expense to average assets | 2.9160% | 3,066 |
| Loan and lease loss provision to assets | 0.0010% | 4,388 |
| Net operating income to assets | 0.8860% | 2,981 |
| Return on assets (ROA) | 0.8799% | 3,118 |
| Pretax return on assets | 1.3118% | 2,331 |
| Return on Equity (ROE) | 8.1797% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.1797% | 1,276 |
| Net charge-offs to loans | -0.1266% | 6,199 |
| Credit loss provision to net charge-offs | -1.1278% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9427% | 4,217 |
| Assets per employee ($millions) | 5.8150% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 2,671 |
| Loan loss allowance to noncurrent loans | 168.8321% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 3,404 |
| Noncurrent loans to loans | 0.8931% | 3,333 |
| Net loans and leases to total assets | 70.3251% | 2,140 |
| Net loans and leases to deposits | 87.5205% | 1,727 |
| Net loans and leases to core deposits | 90.5281% | 2,172 |
| Total domestic deposits to total assets | 80.3526% | 4,995 |
| Equity capital to assets | 10.7745% | 3,212 |
| Core capital (leverage) ratio | 10.8578% | 2,626 |
| Tier 1 risk-based capital ratio | 12.6221% | 5,088 |
| Total risk-based capital ratio | 13.8725% | 5,009 |
| Memoranda: | ||
| Average total assets | $1,993,556,250 | 369 |
| Average earning assets | $1,828,293,500 | 363 |
| Average equity | $214,444,500 | 381 |
| Average total loans | $1,400,773,250 | 344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,448 |
| Cost of funding earning assets | 0.3212% | 4,743 |
| Net interest margin | 3.7523% | 2,749 |
| Noninterest income to average assets | 0.7517% | 2,039 |
| Noninterest expense to average assets | 2.9286% | 3,071 |
| Loan and lease loss provision to assets | 0.0018% | 4,178 |
| Net operating income to assets | 0.8461% | 3,089 |
| Return on assets (ROA) | 0.8367% | 3,236 |
| Pretax return on assets | 1.2418% | 2,495 |
| Return on Equity (ROE) | 7.7826% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.7826% | 1,399 |
| Net charge-offs to loans | -0.1648% | 6,299 |
| Credit loss provision to net charge-offs | -1.5901% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1720% | 4,164 |
| Assets per employee ($millions) | 5.7054% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 2,719 |
| Loan loss allowance to noncurrent loans | 159.5722% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 3,317 |
| Noncurrent loans to loans | 0.9654% | 3,310 |
| Net loans and leases to total assets | 69.5166% | 2,151 |
| Net loans and leases to deposits | 90.7861% | 1,292 |
| Net loans and leases to core deposits | 93.7589% | 1,796 |
| Total domestic deposits to total assets | 76.5718% | 5,850 |
| Equity capital to assets | 10.7328% | 3,164 |
| Core capital (leverage) ratio | 11.0288% | 2,397 |
| Tier 1 risk-based capital ratio | 12.7022% | 5,084 |
| Total risk-based capital ratio | 13.9528% | 5,029 |
| Memoranda: | ||
| Average total assets | $1,966,089,330 | 371 |
| Average earning assets | $1,796,734,670 | 365 |
| Average equity | $211,368,000 | 380 |
| Average total loans | $1,373,608,330 | 345 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,436 |
| Cost of funding earning assets | 0.3235% | 4,815 |
| Net interest margin | 3.7377% | 2,720 |
| Noninterest income to average assets | 0.7535% | 1,947 |
| Noninterest expense to average assets | 2.9603% | 3,016 |
| Loan and lease loss provision to assets | -0.0012% | 6,364 |
| Net operating income to assets | 0.8010% | 3,152 |
| Return on assets (ROA) | 0.8045% | 3,211 |
| Pretax return on assets | 1.2080% | 2,459 |
| Return on Equity (ROE) | 7.4764% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.4764% | 1,831 |
| Net charge-offs to loans | -0.1643% | 6,320 |
| Credit loss provision to net charge-offs | 1.0889% | 2,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1866% | 4,149 |
| Assets per employee ($millions) | 5.5918% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 2,780 |
| Loan loss allowance to noncurrent loans | 147.5522% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 3,323 |
| Noncurrent loans to loans | 1.0721% | 3,276 |
| Net loans and leases to total assets | 68.5066% | 2,144 |
| Net loans and leases to deposits | 87.2697% | 1,441 |
| Net loans and leases to core deposits | 89.5317% | 1,955 |
| Total domestic deposits to total assets | 78.4999% | 5,754 |
| Equity capital to assets | 10.7952% | 2,945 |
| Core capital (leverage) ratio | 11.2248% | 2,202 |
| Tier 1 risk-based capital ratio | 12.9926% | 5,006 |
| Total risk-based capital ratio | 14.2435% | 4,935 |
| Memoranda: | ||
| Average total assets | $1,930,719,000 | 378 |
| Average earning assets | $1,760,655,500 | 372 |
| Average equity | $207,748,000 | 383 |
| Average total loans | $1,341,368,000 | 349 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,627 |
| Cost of funding earning assets | 0.3477% | 5,164 |
| Net interest margin | 3.7811% | 2,722 |
| Noninterest income to average assets | 0.8158% | 2,003 |
| Noninterest expense to average assets | 3.0105% | 3,023 |
| Loan and lease loss provision to assets | 0.0158% | 4,809 |
| Net operating income to assets | 0.8438% | 3,072 |
| Return on assets (ROA) | 0.8434% | 3,150 |
| Pretax return on assets | 1.2399% | 2,418 |
| Return on Equity (ROE) | 7.6714% | 3,213 |
| Retained earnings to average equity (ytd only) | -0.6233% | 5,994 |
| Net charge-offs to loans | 0.3579% | 1,888 |
| Credit loss provision to net charge-offs | 6.6772% | 4,628 |
| Earnings coverage of net charge-offs (x) | 5.3097% | 3,331 |
| Efficiency ratio | 67.0323% | 4,368 |
| Assets per employee ($millions) | 5.4254% | 1,730 |
| Cash dividends to net income (ytd only)* | 108.1256% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 2,791 |
| Loan loss allowance to noncurrent loans | 135.7263% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 3,335 |
| Noncurrent loans to loans | 1.1720% | 3,192 |
| Net loans and leases to total assets | 68.2357% | 2,312 |
| Net loans and leases to deposits | 84.7044% | 1,833 |
| Net loans and leases to core deposits | 86.9310% | 2,358 |
| Total domestic deposits to total assets | 80.5574% | 5,307 |
| Equity capital to assets | 10.7241% | 2,908 |
| Core capital (leverage) ratio | 10.9962% | 2,391 |
| Tier 1 risk-based capital ratio | 13.1239% | 4,901 |
| Total risk-based capital ratio | 14.3748% | 4,841 |
| Memoranda: | ||
| Average total assets | $1,873,655,000 | 372 |
| Average earning assets | $1,710,087,800 | 368 |
| Average equity | $205,985,800 | 375 |
| Average total loans | $1,238,717,200 | 360 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 3,739 |
| Cost of funding earning assets | 0.3493% | 5,300 |
| Net interest margin | 3.7565% | 2,815 |
| Noninterest income to average assets | 0.7742% | 2,265 |
| Noninterest expense to average assets | 3.0172% | 2,932 |
| Loan and lease loss provision to assets | 0.0101% | 4,788 |
| Net operating income to assets | 0.8071% | 3,309 |
| Return on assets (ROA) | 0.8107% | 3,425 |
| Pretax return on assets | 1.1870% | 2,755 |
| Return on Equity (ROE) | 7.3283% | 3,472 |
| Retained earnings to average equity (ytd only) | -2.3601% | 6,300 |
| Net charge-offs to loans | 0.5290% | 1,214 |
| Credit loss provision to net charge-offs | 2.9375% | 4,304 |
| Earnings coverage of net charge-offs (x) | 3.4506% | 3,697 |
| Efficiency ratio | 68.0921% | 4,084 |
| Assets per employee ($millions) | 5.4937% | 1,626 |
| Cash dividends to net income (ytd only)* | 132.2052% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 3,090 |
| Loan loss allowance to noncurrent loans | 113.0146% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 3,085 |
| Noncurrent loans to loans | 1.3992% | 3,071 |
| Net loans and leases to total assets | 67.3499% | 2,404 |
| Net loans and leases to deposits | 85.5990% | 1,662 |
| Net loans and leases to core deposits | 88.1480% | 2,170 |
| Total domestic deposits to total assets | 78.6807% | 5,806 |
| Equity capital to assets | 10.8008% | 2,951 |
| Core capital (leverage) ratio | 11.0479% | 2,434 |
| Tier 1 risk-based capital ratio | 13.1518% | 5,014 |
| Total risk-based capital ratio | 14.4025% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,865,991,000 | 376 |
| Average earning assets | $1,706,240,000 | 369 |
| Average equity | $206,427,000 | 376 |
| Average total loans | $1,218,290,500 | 367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 3,763 |
| Cost of funding earning assets | 0.3468% | 5,436 |
| Net interest margin | 3.7453% | 2,781 |
| Noninterest income to average assets | 0.7534% | 2,398 |
| Noninterest expense to average assets | 3.0432% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7778% | 3,417 |
| Return on assets (ROA) | 0.7818% | 3,557 |
| Pretax return on assets | 1.1402% | 2,926 |
| Return on Equity (ROE) | 7.0107% | 3,594 |
| Retained earnings to average equity (ytd only) | -7.4683% | 6,591 |
| Net charge-offs to loans | 0.8253% | 760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1403% | 3,811 |
| Efficiency ratio | 69.2046% | 3,976 |
| Assets per employee ($millions) | 5.5023% | 1,590 |
| Cash dividends to net income (ytd only)* | 206.5262% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 3,049 |
| Loan loss allowance to noncurrent loans | 103.6024% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3908% | 3,021 |
| Noncurrent loans to loans | 1.5731% | 2,951 |
| Net loans and leases to total assets | 65.6179% | 2,657 |
| Net loans and leases to deposits | 83.9205% | 1,812 |
| Net loans and leases to core deposits | 86.4713% | 2,293 |
| Total domestic deposits to total assets | 78.1906% | 5,947 |
| Equity capital to assets | 10.7835% | 2,963 |
| Core capital (leverage) ratio | 10.9688% | 2,386 |
| Tier 1 risk-based capital ratio | 13.1224% | 5,051 |
| Total risk-based capital ratio | 14.3733% | 4,993 |
| Memoranda: | ||
| Average total assets | $1,858,042,670 | 374 |
| Average earning assets | $1,698,752,000 | 368 |
| Average equity | $207,197,000 | 372 |
| Average total loans | $1,193,303,330 | 370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,848 |
| Cost of funding earning assets | 0.3457% | 5,583 |
| Net interest margin | 3.7237% | 2,760 |
| Noninterest income to average assets | 0.6214% | 3,021 |
| Noninterest expense to average assets | 3.0338% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6909% | 3,737 |
| Return on assets (ROA) | 0.6909% | 3,882 |
| Pretax return on assets | 1.0000% | 3,353 |
| Return on Equity (ROE) | 6.0953% | 3,987 |
| Retained earnings to average equity (ytd only) | -22.4053% | 6,858 |
| Net charge-offs to loans | 0.3697% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.2951% | 2,585 |
| Efficiency ratio | 71.4347% | 3,727 |
| Assets per employee ($millions) | 5.3211% | 1,840 |
| Cash dividends to net income (ytd only)* | 467.5810% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 1,947 |
| Loan loss allowance to noncurrent loans | 76.3276% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 2,129 |
| Noncurrent loans to loans | 2.6700% | 1,921 |
| Net loans and leases to total assets | 63.1832% | 2,856 |
| Net loans and leases to deposits | 79.8889% | 2,088 |
| Net loans and leases to core deposits | 82.2404% | 2,539 |
| Total domestic deposits to total assets | 79.0888% | 5,947 |
| Equity capital to assets | 11.1522% | 2,794 |
| Core capital (leverage) ratio | 10.8767% | 2,370 |
| Tier 1 risk-based capital ratio | 13.2985% | 5,016 |
| Total risk-based capital ratio | 14.5532% | 4,961 |
| Memoranda: | ||
| Average total assets | $1,857,183,500 | 379 |
| Average earning assets | $1,701,983,000 | 375 |
| Average equity | $210,521,500 | 374 |
| Average total loans | $1,169,678,000 | 378 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 4,058 |
| Cost of funding earning assets | 0.3918% | 5,973 |
| Net interest margin | 3.9482% | 2,613 |
| Noninterest income to average assets | 0.4345% | 4,361 |
| Noninterest expense to average assets | 3.2213% | 2,548 |
| Loan and lease loss provision to assets | -0.1129% | 6,931 |
| Net operating income to assets | 0.8169% | 3,207 |
| Return on assets (ROA) | 0.7915% | 3,573 |
| Pretax return on assets | 0.8804% | 3,988 |
| Return on Equity (ROE) | 6.7159% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.7159% | 1,709 |
| Net charge-offs to loans | 0.6718% | 1,753 |
| Credit loss provision to net charge-offs | -26.5993% | 6,247 |
| Earnings coverage of net charge-offs (x) | 1.8385% | 4,512 |
| Efficiency ratio | 76.0782% | 2,724 |
| Assets per employee ($millions) | 5.4135% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 1,602 |
| Loan loss allowance to noncurrent loans | 180.6568% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 2,682 |
| Noncurrent loans to loans | 1.2010% | 3,851 |
| Net loans and leases to total assets | 60.1734% | 3,573 |
| Net loans and leases to deposits | 77.4980% | 2,588 |
| Net loans and leases to core deposits | 79.7700% | 3,039 |
| Total domestic deposits to total assets | 77.6451% | 6,134 |
| Equity capital to assets | 11.5137% | 2,434 |
| Core capital (leverage) ratio | 11.3531% | 1,976 |
| Tier 1 risk-based capital ratio | 14.2612% | 4,195 |
| Total risk-based capital ratio | 15.5172% | 4,146 |
| Memoranda: | ||
| Average total assets | $1,772,044,600 | 389 |
| Average earning assets | $1,600,881,600 | 385 |
| Average equity | $208,832,800 | 363 |
| Average total loans | $1,119,183,000 | 390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 3,971 |
| Cost of funding earning assets | 0.4003% | 6,118 |
| Net interest margin | 4.0186% | 2,426 |
| Noninterest income to average assets | 0.5825% | 3,393 |
| Noninterest expense to average assets | 3.2229% | 2,493 |
| Loan and lease loss provision to assets | 0.1147% | 4,133 |
| Net operating income to assets | 0.8790% | 3,082 |
| Return on assets (ROA) | 0.7995% | 3,698 |
| Pretax return on assets | 0.7889% | 4,534 |
| Return on Equity (ROE) | 6.7421% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.7421% | 2,254 |
| Net charge-offs to loans | 0.9091% | 1,195 |
| Credit loss provision to net charge-offs | 19.8308% | 4,958 |
| Earnings coverage of net charge-offs (x) | 1.7002% | 4,421 |
| Efficiency ratio | 72.3986% | 3,249 |
| Assets per employee ($millions) | 5.1822% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5557% | 1,137 |
| Loan loss allowance to noncurrent loans | 131.6196% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 2.5296% | 2,089 |
| Noncurrent loans to loans | 1.9417% | 2,909 |
| Net loans and leases to total assets | 59.6058% | 3,853 |
| Net loans and leases to deposits | 77.6938% | 2,706 |
| Net loans and leases to core deposits | 80.3753% | 3,154 |
| Total domestic deposits to total assets | 76.7189% | 6,276 |
| Equity capital to assets | 11.6617% | 2,580 |
| Core capital (leverage) ratio | 11.5392% | 1,958 |
| Tier 1 risk-based capital ratio | 14.4186% | 4,244 |
| Total risk-based capital ratio | 15.6783% | 4,201 |
| Memoranda: | ||
| Average total assets | $1,744,080,750 | 395 |
| Average earning assets | $1,572,599,500 | 391 |
| Average equity | $206,814,500 | 362 |
| Average total loans | $1,109,291,500 | 390 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,457 |
| Cost of funding earning assets | 0.4097% | 6,219 |
| Net interest margin | 4.1653% | 1,850 |
| Noninterest income to average assets | 0.5408% | 3,650 |
| Noninterest expense to average assets | 3.2963% | 2,312 |
| Loan and lease loss provision to assets | 0.1749% | 3,354 |
| Net operating income to assets | 1.0292% | 2,341 |
| Return on assets (ROA) | 0.8210% | 3,553 |
| Pretax return on assets | 0.6134% | 5,090 |
| Return on Equity (ROE) | 6.8832% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.8832% | 2,168 |
| Net charge-offs to loans | 1.2393% | 869 |
| Credit loss provision to net charge-offs | 21.8850% | 4,575 |
| Earnings coverage of net charge-offs (x) | 1.2472% | 4,385 |
| Efficiency ratio | 72.6517% | 3,314 |
| Assets per employee ($millions) | 4.8462% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6399% | 1,105 |
| Loan loss allowance to noncurrent loans | 137.6497% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 2.6909% | 2,051 |
| Noncurrent loans to loans | 1.9178% | 3,044 |
| Net loans and leases to total assets | 61.9532% | 3,451 |
| Net loans and leases to deposits | 77.4281% | 2,767 |
| Net loans and leases to core deposits | 78.7125% | 3,414 |
| Total domestic deposits to total assets | 80.0139% | 5,738 |
| Equity capital to assets | 11.9143% | 2,208 |
| Core capital (leverage) ratio | 11.8429% | 1,690 |
| Tier 1 risk-based capital ratio | 14.4118% | 4,168 |
| Total risk-based capital ratio | 15.6724% | 4,124 |
| Memoranda: | ||
| Average total assets | $1,715,673,670 | 402 |
| Average earning assets | $1,545,452,670 | 397 |
| Average equity | $204,643,330 | 363 |
| Average total loans | $1,106,066,000 | 393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 3,434 |
| Cost of funding earning assets | 0.4222% | 6,303 |
| Net interest margin | 4.1939% | 1,772 |
| Noninterest income to average assets | 0.5570% | 3,521 |
| Noninterest expense to average assets | 3.3266% | 2,213 |
| Loan and lease loss provision to assets | 0.2351% | 2,589 |
| Net operating income to assets | 0.7698% | 3,525 |
| Return on assets (ROA) | 0.9161% | 3,062 |
| Pretax return on assets | 0.9161% | 3,978 |
| Return on Equity (ROE) | 7.6755% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.6755% | 2,100 |
| Net charge-offs to loans | 2.0239% | 460 |
| Credit loss provision to net charge-offs | 17.9019% | 3,806 |
| Earnings coverage of net charge-offs (x) | 0.7651% | 3,952 |
| Efficiency ratio | 72.6631% | 3,317 |
| Assets per employee ($millions) | 4.8028% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7097% | 1,105 |
| Loan loss allowance to noncurrent loans | 97.1760% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 3.4992% | 1,645 |
| Noncurrent loans to loans | 2.7885% | 2,325 |
| Net loans and leases to total assets | 62.9784% | 3,049 |
| Net loans and leases to deposits | 79.6431% | 2,255 |
| Net loans and leases to core deposits | 81.0372% | 2,946 |
| Total domestic deposits to total assets | 79.0758% | 6,058 |
| Equity capital to assets | 11.9643% | 2,068 |
| Core capital (leverage) ratio | 11.8941% | 1,648 |
| Tier 1 risk-based capital ratio | 14.2639% | 4,269 |
| Total risk-based capital ratio | 15.5254% | 4,231 |
| Memoranda: | ||
| Average total assets | $1,701,195,500 | 401 |
| Average earning assets | $1,531,073,000 | 399 |
| Average equity | $203,034,500 | 360 |
| Average total loans | $1,104,018,500 | 392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 4,170 |
| Cost of funding earning assets | 0.7353% | 5,312 |
| Net interest margin | 3.9847% | 2,962 |
| Noninterest income to average assets | 0.6247% | 3,040 |
| Noninterest expense to average assets | 3.5213% | 1,933 |
| Loan and lease loss provision to assets | 0.2834% | 3,397 |
| Net operating income to assets | 0.3713% | 4,989 |
| Return on assets (ROA) | 0.5811% | 4,275 |
| Pretax return on assets | 0.5811% | 4,741 |
| Return on Equity (ROE) | 5.3036% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.3036% | 2,448 |
| Net charge-offs to loans | 1.5364% | 1,032 |
| Credit loss provision to net charge-offs | 28.7224% | 5,804 |
| Earnings coverage of net charge-offs (x) | 0.6635% | 5,322 |
| Efficiency ratio | 78.7724% | 2,488 |
| Assets per employee ($millions) | 4.8223% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1563% | 708 |
| Loan loss allowance to noncurrent loans | 129.2983% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 3.3682% | 1,759 |
| Noncurrent loans to loans | 2.4411% | 2,691 |
| Net loans and leases to total assets | 63.0098% | 3,401 |
| Net loans and leases to deposits | 79.8510% | 2,546 |
| Net loans and leases to core deposits | 82.0401% | 3,172 |
| Total domestic deposits to total assets | 78.9092% | 6,015 |
| Equity capital to assets | 11.9049% | 2,195 |
| Core capital (leverage) ratio | 11.5333% | 1,866 |
| Tier 1 risk-based capital ratio | 14.3211% | 4,094 |
| Total risk-based capital ratio | 15.5876% | 4,052 |
| Memoranda: | ||
| Average total assets | $1,764,551,600 | 377 |
| Average earning assets | $1,572,589,200 | 380 |
| Average equity | $193,339,600 | 365 |
| Average total loans | $1,133,018,400 | 375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 4,258 |
| Cost of funding earning assets | 0.8267% | 4,968 |
| Net interest margin | 3.9178% | 3,294 |
| Noninterest income to average assets | 0.5486% | 3,521 |
| Noninterest expense to average assets | 3.4451% | 2,090 |
| Loan and lease loss provision to assets | 0.2990% | 3,136 |
| Net operating income to assets | 0.2885% | 5,432 |
| Return on assets (ROA) | 0.5442% | 4,530 |
| Pretax return on assets | 0.5442% | 4,998 |
| Return on Equity (ROE) | 5.0702% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.0702% | 3,127 |
| Net charge-offs to loans | 1.7771% | 758 |
| Credit loss provision to net charge-offs | 26.2847% | 5,472 |
| Earnings coverage of net charge-offs (x) | 0.5165% | 5,242 |
| Efficiency ratio | 79.7331% | 2,289 |
| Assets per employee ($millions) | 4.8577% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2517% | 685 |
| Loan loss allowance to noncurrent loans | 77.3122% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 4.1051% | 1,492 |
| Noncurrent loans to loans | 4.2059% | 1,561 |
| Net loans and leases to total assets | 63.1009% | 3,492 |
| Net loans and leases to deposits | 79.0681% | 2,802 |
| Net loans and leases to core deposits | 83.0772% | 3,181 |
| Total domestic deposits to total assets | 79.8058% | 5,791 |
| Equity capital to assets | 11.7530% | 2,446 |
| Core capital (leverage) ratio | 10.8236% | 2,549 |
| Tier 1 risk-based capital ratio | 14.6273% | 3,884 |
| Total risk-based capital ratio | 15.8962% | 3,850 |
| Memoranda: | ||
| Average total assets | $1,783,739,500 | 376 |
| Average earning assets | $1,586,240,500 | 375 |
| Average equity | $191,441,750 | 375 |
| Average total loans | $1,141,738,000 | 377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 4,795 |
| Cost of funding earning assets | 0.8755% | 4,863 |
| Net interest margin | 3.7639% | 3,970 |
| Noninterest income to average assets | 0.4899% | 3,951 |
| Noninterest expense to average assets | 3.1798% | 2,972 |
| Loan and lease loss provision to assets | 0.3306% | 2,798 |
| Net operating income to assets | 0.3737% | 5,064 |
| Return on assets (ROA) | 0.4180% | 5,019 |
| Pretax return on assets | 0.4180% | 5,339 |
| Return on Equity (ROE) | 4.0132% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.0132% | 3,645 |
| Net charge-offs to loans | 1.9422% | 700 |
| Credit loss provision to net charge-offs | 26.7523% | 5,036 |
| Earnings coverage of net charge-offs (x) | 0.5699% | 4,874 |
| Efficiency ratio | 76.0363% | 3,003 |
| Assets per employee ($millions) | 4.9431% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5152% | 590 |
| Loan loss allowance to noncurrent loans | 66.9717% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 5.0085% | 1,225 |
| Noncurrent loans to loans | 5.2488% | 1,226 |
| Net loans and leases to total assets | 61.1193% | 4,070 |
| Net loans and leases to deposits | 78.1525% | 3,098 |
| Net loans and leases to core deposits | 85.1668% | 3,051 |
| Total domestic deposits to total assets | 78.2051% | 6,247 |
| Equity capital to assets | 11.0977% | 2,859 |
| Core capital (leverage) ratio | 10.5338% | 2,678 |
| Tier 1 risk-based capital ratio | 14.1168% | 4,088 |
| Total risk-based capital ratio | 15.3881% | 4,038 |
| Memoranda: | ||
| Average total assets | $1,814,827,000 | 375 |
| Average earning assets | $1,636,607,330 | 374 |
| Average equity | $189,028,330 | 381 |
| Average total loans | $1,154,798,000 | 380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 4,852 |
| Cost of funding earning assets | 0.9467% | 4,595 |
| Net interest margin | 3.6759% | 4,221 |
| Noninterest income to average assets | 0.4327% | 4,432 |
| Noninterest expense to average assets | 3.1312% | 3,133 |
| Loan and lease loss provision to assets | 0.4325% | 2,030 |
| Net operating income to assets | 0.1916% | 5,809 |
| Return on assets (ROA) | 0.3460% | 5,276 |
| Pretax return on assets | 0.3460% | 5,522 |
| Return on Equity (ROE) | 3.4276% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.4276% | 4,132 |
| Net charge-offs to loans | 0.7430% | 1,731 |
| Credit loss provision to net charge-offs | 91.2825% | 2,918 |
| Earnings coverage of net charge-offs (x) | 1.3172% | 3,688 |
| Efficiency ratio | 77.4617% | 2,922 |
| Assets per employee ($millions) | 5.2949% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1112% | 390 |
| Loan loss allowance to noncurrent loans | 59.8275% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 6.1117% | 929 |
| Noncurrent loans to loans | 6.8717% | 825 |
| Net loans and leases to total assets | 59.6825% | 4,329 |
| Net loans and leases to deposits | 75.0804% | 3,570 |
| Net loans and leases to core deposits | 84.8776% | 3,049 |
| Total domestic deposits to total assets | 79.4914% | 6,062 |
| Equity capital to assets | 10.2098% | 3,526 |
| Core capital (leverage) ratio | 9.8016% | 3,385 |
| Tier 1 risk-based capital ratio | 13.6572% | 4,321 |
| Total risk-based capital ratio | 14.9331% | 4,274 |
| Memoranda: | ||
| Average total assets | $1,849,785,500 | 375 |
| Average earning assets | $1,671,982,500 | 370 |
| Average equity | $186,720,000 | 381 |
| Average total loans | $1,179,531,500 | 376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 4,923 |
| Cost of funding earning assets | 1.1803% | 4,673 |
| Net interest margin | 3.7386% | 4,186 |
| Noninterest income to average assets | -0.0993% | 7,390 |
| Noninterest expense to average assets | 3.1091% | 3,417 |
| Loan and lease loss provision to assets | 1.7326% | 813 |
| Net operating income to assets | -1.3042% | 6,832 |
| Return on assets (ROA) | -1.4374% | 6,910 |
| Pretax return on assets | -1.7382% | 6,936 |
| Return on Equity (ROE) | -13.7252% | 6,871 |
| Retained earnings to average equity (ytd only) | -13.7252% | 6,828 |
| Net charge-offs to loans | 2.8688% | 602 |
| Credit loss provision to net charge-offs | 87.4828% | 5,228 |
| Earnings coverage of net charge-offs (x) | 0.0782% | 6,043 |
| Efficiency ratio | 87.2774% | 1,541 |
| Assets per employee ($millions) | 5.3206% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8620% | 446 |
| Loan loss allowance to noncurrent loans | 51.2634% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 6.1426% | 954 |
| Noncurrent loans to loans | 7.5336% | 719 |
| Net loans and leases to total assets | 62.7410% | 4,124 |
| Net loans and leases to deposits | 79.1207% | 3,319 |
| Net loans and leases to core deposits | 92.9766% | 2,391 |
| Total domestic deposits to total assets | 79.2978% | 6,009 |
| Equity capital to assets | 9.9807% | 3,762 |
| Core capital (leverage) ratio | 9.3268% | 3,966 |
| Tier 1 risk-based capital ratio | 12.7978% | 4,775 |
| Total risk-based capital ratio | 14.0739% | 4,720 |
| Memoranda: | ||
| Average total assets | $1,985,477,800 | 351 |
| Average earning assets | $1,786,145,200 | 349 |
| Average equity | $207,939,000 | 341 |
| Average total loans | $1,370,694,800 | 343 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 5,012 |
| Cost of funding earning assets | 1.2155% | 4,768 |
| Net interest margin | 3.7410% | 4,227 |
| Noninterest income to average assets | -0.2939% | 7,628 |
| Noninterest expense to average assets | 3.0269% | 3,654 |
| Loan and lease loss provision to assets | 0.9859% | 1,514 |
| Net operating income to assets | -0.5513% | 6,632 |
| Return on assets (ROA) | -0.5472% | 6,681 |
| Pretax return on assets | -0.9423% | 6,830 |
| Return on Equity (ROE) | -5.1682% | 6,660 |
| Retained earnings to average equity (ytd only) | -5.1682% | 6,567 |
| Net charge-offs to loans | 2.3656% | 737 |
| Credit loss provision to net charge-offs | 59.6167% | 5,698 |
| Earnings coverage of net charge-offs (x) | 0.0225% | 6,009 |
| Efficiency ratio | 90.3926% | 1,251 |
| Assets per employee ($millions) | 5.5928% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2492% | 669 |
| Loan loss allowance to noncurrent loans | 59.5641% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 6.0140% | 986 |
| Noncurrent loans to loans | 5.4549% | 1,222 |
| Net loans and leases to total assets | 64.6579% | 3,983 |
| Net loans and leases to deposits | 81.5541% | 3,181 |
| Net loans and leases to core deposits | 97.7310% | 2,072 |
| Total domestic deposits to total assets | 79.2823% | 5,939 |
| Equity capital to assets | 10.9297% | 3,025 |
| Core capital (leverage) ratio | 10.2166% | 3,026 |
| Tier 1 risk-based capital ratio | 13.0641% | 4,526 |
| Total risk-based capital ratio | 14.3328% | 4,491 |
| Memoranda: | ||
| Average total assets | $2,014,963,500 | 344 |
| Average earning assets | $1,808,726,250 | 340 |
| Average equity | $213,325,500 | 327 |
| Average total loans | $1,408,673,500 | 335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 5,275 |
| Cost of funding earning assets | 1.2416% | 4,888 |
| Net interest margin | 3.6874% | 4,419 |
| Noninterest income to average assets | 0.0368% | 7,400 |
| Noninterest expense to average assets | 3.0102% | 3,676 |
| Loan and lease loss provision to assets | 1.2136% | 1,153 |
| Net operating income to assets | -0.5069% | 6,658 |
| Return on assets (ROA) | -0.5060% | 6,698 |
| Pretax return on assets | -0.8661% | 6,824 |
| Return on Equity (ROE) | -4.8287% | 6,682 |
| Retained earnings to average equity (ytd only) | -4.8287% | 6,534 |
| Net charge-offs to loans | 2.4199% | 723 |
| Credit loss provision to net charge-offs | 70.7561% | 4,951 |
| Earnings coverage of net charge-offs (x) | 0.2018% | 5,521 |
| Efficiency ratio | 82.1066% | 2,151 |
| Assets per employee ($millions) | 5.6096% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4075% | 591 |
| Loan loss allowance to noncurrent loans | 70.4180% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 4.8911% | 1,326 |
| Noncurrent loans to loans | 4.8390% | 1,453 |
| Net loans and leases to total assets | 67.0897% | 3,599 |
| Net loans and leases to deposits | 85.0716% | 2,690 |
| Net loans and leases to core deposits | 107.5282% | 1,340 |
| Total domestic deposits to total assets | 78.8626% | 6,074 |
| Equity capital to assets | 10.7799% | 3,093 |
| Core capital (leverage) ratio | 10.2041% | 2,936 |
| Tier 1 risk-based capital ratio | 12.5739% | 4,793 |
| Total risk-based capital ratio | 13.8448% | 4,744 |
| Memoranda: | ||
| Average total assets | $2,043,441,330 | 341 |
| Average earning assets | $1,839,542,670 | 337 |
| Average equity | $214,137,000 | 323 |
| Average total loans | $1,448,400,670 | 328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 5,063 |
| Cost of funding earning assets | 1.3010% | 4,807 |
| Net interest margin | 3.6884% | 4,312 |
| Noninterest income to average assets | -0.0638% | 7,733 |
| Noninterest expense to average assets | 2.8957% | 4,076 |
| Loan and lease loss provision to assets | 0.7711% | 1,641 |
| Net operating income to assets | -0.2211% | 6,571 |
| Return on assets (ROA) | -0.2194% | 6,636 |
| Pretax return on assets | -0.4075% | 6,723 |
| Return on Equity (ROE) | -2.1224% | 6,649 |
| Retained earnings to average equity (ytd only) | -2.1224% | 6,231 |
| Net charge-offs to loans | 1.0710% | 1,558 |
| Credit loss provision to net charge-offs | 100.6036% | 3,369 |
| Earnings coverage of net charge-offs (x) | 0.4708% | 4,605 |
| Efficiency ratio | 81.2241% | 2,382 |
| Assets per employee ($millions) | 5.6606% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6112% | 501 |
| Loan loss allowance to noncurrent loans | 68.1190% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 4.9233% | 1,319 |
| Noncurrent loans to loans | 5.3013% | 1,332 |
| Net loans and leases to total assets | 68.5099% | 3,274 |
| Net loans and leases to deposits | 85.6494% | 2,661 |
| Net loans and leases to core deposits | 108.9369% | 1,359 |
| Total domestic deposits to total assets | 79.9887% | 5,792 |
| Equity capital to assets | 10.5582% | 3,188 |
| Core capital (leverage) ratio | 9.9011% | 3,286 |
| Tier 1 risk-based capital ratio | 12.1232% | 5,064 |
| Total risk-based capital ratio | 13.3962% | 5,008 |
| Memoranda: | ||
| Average total assets | $2,075,075,000 | 343 |
| Average earning assets | $1,868,030,500 | 341 |
| Average equity | $214,475,500 | 325 |
| Average total loans | $1,484,921,500 | 327 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 5,463 |
| Cost of funding earning assets | 1.7199% | 4,410 |
| Net interest margin | 3.5200% | 4,870 |
| Noninterest income to average assets | 0.2135% | 6,577 |
| Noninterest expense to average assets | 3.0545% | 3,927 |
| Loan and lease loss provision to assets | 2.4930% | 796 |
| Net operating income to assets | -1.3077% | 6,765 |
| Return on assets (ROA) | -1.3078% | 6,769 |
| Pretax return on assets | -2.1535% | 6,994 |
| Return on Equity (ROE) | -13.0434% | 6,835 |
| Retained earnings to average equity (ytd only) | -13.0434% | 6,762 |
| Net charge-offs to loans | 2.6342% | 855 |
| Credit loss provision to net charge-offs | 115.8755% | 4,692 |
| Earnings coverage of net charge-offs (x) | 0.1578% | 6,004 |
| Efficiency ratio | 80.9757% | 2,752 |
| Assets per employee ($millions) | 5.9486% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3993% | 577 |
| Loan loss allowance to noncurrent loans | 74.7330% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 5.0273% | 1,219 |
| Noncurrent loans to loans | 4.5486% | 1,553 |
| Net loans and leases to total assets | 69.5729% | 3,343 |
| Net loans and leases to deposits | 86.2953% | 2,858 |
| Net loans and leases to core deposits | 105.0858% | 3,445 |
| Total domestic deposits to total assets | 80.6219% | 5,461 |
| Equity capital to assets | 10.1236% | 3,596 |
| Core capital (leverage) ratio | 9.6636% | 3,506 |
| Tier 1 risk-based capital ratio | 11.5470% | 5,349 |
| Total risk-based capital ratio | 12.8182% | 5,283 |
| Memoranda: | ||
| Average total assets | $2,050,336,600 | 347 |
| Average earning assets | $1,852,619,200 | 344 |
| Average equity | $205,574,600 | 344 |
| Average total loans | $1,674,595,000 | 307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 5,417 |
| Cost of funding earning assets | 1.7902% | 4,419 |
| Net interest margin | 3.5108% | 4,820 |
| Noninterest income to average assets | 0.3512% | 5,680 |
| Noninterest expense to average assets | 3.0737% | 3,752 |
| Loan and lease loss provision to assets | 2.6974% | 588 |
| Net operating income to assets | -1.6524% | 7,176 |
| Return on assets (ROA) | -1.6524% | 7,173 |
| Pretax return on assets | -2.2458% | 7,262 |
| Return on Equity (ROE) | -16.5228% | 7,258 |
| Retained earnings to average equity (ytd only) | -16.5228% | 7,212 |
| Net charge-offs to loans | 2.8881% | 601 |
| Credit loss provision to net charge-offs | 110.9282% | 4,585 |
| Earnings coverage of net charge-offs (x) | 0.1858% | 5,838 |
| Efficiency ratio | 78.3986% | 3,102 |
| Assets per employee ($millions) | 5.8384% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0788% | 625 |
| Loan loss allowance to noncurrent loans | 51.2553% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 6.2243% | 843 |
| Noncurrent loans to loans | 6.0068% | 982 |
| Net loans and leases to total assets | 75.1159% | 2,220 |
| Net loans and leases to deposits | 93.4239% | 1,980 |
| Net loans and leases to core deposits | 115.3319% | 2,686 |
| Total domestic deposits to total assets | 80.4034% | 5,292 |
| Equity capital to assets | 10.5986% | 3,404 |
| Core capital (leverage) ratio | 10.1444% | 3,122 |
| Tier 1 risk-based capital ratio | 11.1787% | 5,780 |
| Total risk-based capital ratio | 12.4466% | 5,709 |
| Memoranda: | ||
| Average total assets | $2,032,010,000 | 363 |
| Average earning assets | $1,837,176,500 | 354 |
| Average equity | $203,221,000 | 360 |
| Average total loans | $1,710,876,000 | 312 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4163% | 5,056 |
| Cost of funding earning assets | 1.8272% | 4,620 |
| Net interest margin | 3.5890% | 4,413 |
| Noninterest income to average assets | 0.4479% | 4,868 |
| Noninterest expense to average assets | 3.0959% | 3,721 |
| Loan and lease loss provision to assets | 2.0857% | 768 |
| Net operating income to assets | -0.8888% | 6,896 |
| Return on assets (ROA) | -0.8888% | 6,904 |
| Pretax return on assets | -1.4868% | 7,085 |
| Return on Equity (ROE) | -9.0705% | 6,970 |
| Retained earnings to average equity (ytd only) | -9.0705% | 6,777 |
| Net charge-offs to loans | 2.6347% | 640 |
| Credit loss provision to net charge-offs | 91.5557% | 4,874 |
| Earnings coverage of net charge-offs (x) | 0.2629% | 5,408 |
| Efficiency ratio | 75.3369% | 3,821 |
| Assets per employee ($millions) | 5.3632% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5978% | 825 |
| Loan loss allowance to noncurrent loans | 71.2552% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 4.8987% | 1,102 |
| Noncurrent loans to loans | 3.6458% | 1,907 |
| Net loans and leases to total assets | 83.1210% | 769 |
| Net loans and leases to deposits | 103.2899% | 964 |
| Net loans and leases to core deposits | 127.9150% | 1,715 |
| Total domestic deposits to total assets | 80.4735% | 5,289 |
| Equity capital to assets | 9.9418% | 4,030 |
| Core capital (leverage) ratio | 8.9468% | 4,720 |
| Tier 1 risk-based capital ratio | 9.4428% | 7,441 |
| Total risk-based capital ratio | 10.7056% | 7,382 |
| Memoranda: | ||
| Average total assets | $2,024,304,330 | 370 |
| Average earning assets | $1,831,294,330 | 364 |
| Average equity | $198,356,670 | 368 |
| Average total loans | $1,750,246,000 | 316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2949% | 5,912 |
| Cost of funding earning assets | 1.8075% | 5,081 |
| Net interest margin | 3.4874% | 4,781 |
| Noninterest income to average assets | 0.5666% | 3,782 |
| Noninterest expense to average assets | 2.9228% | 4,080 |
| Loan and lease loss provision to assets | 0.4851% | 2,538 |
| Net operating income to assets | 0.2391% | 5,534 |
| Return on assets (ROA) | 0.2391% | 5,695 |
| Pretax return on assets | 0.3265% | 5,603 |
| Return on Equity (ROE) | 2.4574% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.4574% | 4,507 |
| Net charge-offs to loans | 2.2028% | 657 |
| Credit loss provision to net charge-offs | 25.3133% | 5,005 |
| Earnings coverage of net charge-offs (x) | 0.4235% | 4,650 |
| Efficiency ratio | 70.0700% | 4,564 |
| Assets per employee ($millions) | 5.7431% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 1,177 |
| Loan loss allowance to noncurrent loans | 59.0618% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 3.8444% | 1,367 |
| Noncurrent loans to loans | 3.6122% | 1,745 |
| Net loans and leases to total assets | 84.8325% | 574 |
| Net loans and leases to deposits | 105.0642% | 935 |
| Net loans and leases to core deposits | 127.9523% | 1,790 |
| Total domestic deposits to total assets | 80.7435% | 5,072 |
| Equity capital to assets | 9.9573% | 4,043 |
| Core capital (leverage) ratio | 9.1563% | 4,473 |
| Tier 1 risk-based capital ratio | 9.5124% | 7,416 |
| Total risk-based capital ratio | 10.7707% | 7,358 |
| Memoranda: | ||
| Average total assets | $2,065,714,000 | 363 |
| Average earning assets | $1,876,358,500 | 360 |
| Average equity | $201,025,500 | 363 |
| Average total loans | $1,796,958,000 | 312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3960% | 3,441 |
| Cost of funding earning assets | 2.0150% | 6,364 |
| Net interest margin | 4.3811% | 1,748 |
| Noninterest income to average assets | 0.4004% | 5,468 |
| Noninterest expense to average assets | 13.9572% | 83 |
| Loan and lease loss provision to assets | 1.5046% | 895 |
| Net operating income to assets | -11.1374% | 8,266 |
| Return on assets (ROA) | -11.1314% | 8,265 |
| Pretax return on assets | -11.3598% | 8,258 |
| Return on Equity (ROE) | -70.4482% | 8,234 |
| Retained earnings to average equity (ytd only) | -75.8047% | 8,235 |
| Net charge-offs to loans | 0.8090% | 1,542 |
| Credit loss provision to net charge-offs | 232.9632% | 2,040 |
| Earnings coverage of net charge-offs (x) | -15.2693% | 6,927 |
| Efficiency ratio | 65.1414% | 5,292 |
| Assets per employee ($millions) | 5.7021% | 1,319 |
| Cash dividends to net income (ytd only)* | -7.6036% | 7,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4562% | 717 |
| Loan loss allowance to noncurrent loans | 74.4539% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.9023% | 1,601 |
| Noncurrent loans to loans | 3.2989% | 1,572 |
| Net loans and leases to total assets | 85.1440% | 717 |
| Net loans and leases to deposits | 104.9531% | 1,241 |
| Net loans and leases to core deposits | 127.2693% | 2,062 |
| Total domestic deposits to total assets | 81.1258% | 4,585 |
| Equity capital to assets | 9.5127% | 4,674 |
| Core capital (leverage) ratio | 8.9012% | 4,883 |
| Tier 1 risk-based capital ratio | 9.2623% | 7,557 |
| Total risk-based capital ratio | 10.5247% | 7,476 |
| Memoranda: | ||
| Average total assets | $2,244,855,000 | 321 |
| Average earning assets | $1,893,495,200 | 344 |
| Average equity | $354,704,800 | 241 |
| Average total loans | $1,792,119,000 | 306 |