Home > Guaranty Bank & Trust, N.A. > Performance and Condition Ratios
Guaranty Bank & Trust, N.A., 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 | 5.2017% | 1,657 |
| Cost of funding earning assets | 1.8950% | 1,076 |
| Net interest margin | 3.3067% | 2,619 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.4728% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0239% | 2,144 |
| Return on assets (ROA) | 1.0190% | 2,138 |
| Pretax return on assets | 1.2654% | 1,970 |
| Return on Equity (ROE) | 9.5600% | 2,626 |
| Retained earnings to average equity (ytd only) | 3.8105% | 3,028 |
| Net charge-offs to loans | 0.0449% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 39.3776% | 1,457 |
| Efficiency ratio | 65.6788% | 2,387 |
| Assets per employee ($millions) | 6.5212% | 2,401 |
| Cash dividends to net income (ytd only)* | 60.1305% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 1,647 |
| Loan loss allowance to noncurrent loans | 552.9328% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 2,364 |
| Noncurrent loans to loans | 0.2407% | 2,346 |
| Net loans and leases to total assets | 72.0200% | 1,578 |
| Net loans and leases to deposits | 86.9368% | 1,540 |
| Net loans and leases to core deposits | 98.2703% | 1,530 |
| Total domestic deposits to total assets | 82.8400% | 2,931 |
| Equity capital to assets | 11.0411% | 1,455 |
| Core capital (leverage) ratio | 10.7772% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4906% | 1,397 |
| Memoranda: | ||
| Average total assets | $3,263,926,600 | 367 |
| Average earning assets | $3,008,205,200 | 358 |
| Average equity | $348,016,000 | 349 |
| Average total loans | $2,346,570,000 | 359 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 1,640 |
| Cost of funding earning assets | 1.7907% | 1,021 |
| Net interest margin | 3.3052% | 2,674 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.4240% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0853% | 2,100 |
| Return on assets (ROA) | 1.0785% | 2,109 |
| Pretax return on assets | 1.3419% | 1,922 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 4.4418% | 3,129 |
| Net charge-offs to loans | 0.0473% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 39.8897% | 1,447 |
| Efficiency ratio | 63.8596% | 2,507 |
| Assets per employee ($millions) | 6.7251% | 2,164 |
| Cash dividends to net income (ytd only)* | 56.4631% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,687 |
| Loan loss allowance to noncurrent loans | 1,148.2301% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,029 |
| Noncurrent loans to loans | 0.1169% | 2,983 |
| Net loans and leases to total assets | 70.9000% | 1,716 |
| Net loans and leases to deposits | 86.0429% | 1,569 |
| Net loans and leases to core deposits | 97.7870% | 1,457 |
| Total domestic deposits to total assets | 82.4000% | 3,142 |
| Equity capital to assets | 10.7020% | 1,474 |
| Core capital (leverage) ratio | 10.6810% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2496% | 1,492 |
| Memoranda: | ||
| Average total assets | $3,284,317,500 | 369 |
| Average earning assets | $3,026,746,500 | 363 |
| Average equity | $347,178,250 | 353 |
| Average total loans | $2,352,518,250 | 361 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 1,603 |
| Cost of funding earning assets | 1.6312% | 996 |
| Net interest margin | 3.3444% | 2,658 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3969% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1878% | 1,860 |
| Return on assets (ROA) | 1.1773% | 1,883 |
| Pretax return on assets | 1.4652% | 1,662 |
| Return on Equity (ROE) | 11.1800% | 2,377 |
| Retained earnings to average equity (ytd only) | 11.1822% | 1,155 |
| Net charge-offs to loans | 0.0182% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 113.5721% | 873 |
| Efficiency ratio | 61.4962% | 2,777 |
| Assets per employee ($millions) | 6.5128% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 1,669 |
| Loan loss allowance to noncurrent loans | 894.6197% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 2,767 |
| Noncurrent loans to loans | 0.1521% | 2,711 |
| Net loans and leases to total assets | 71.8300% | 1,555 |
| Net loans and leases to deposits | 88.3803% | 1,310 |
| Net loans and leases to core deposits | 99.2410% | 1,275 |
| Total domestic deposits to total assets | 81.2800% | 3,382 |
| Equity capital to assets | 11.1215% | 1,336 |
| Core capital (leverage) ratio | 10.7384% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6473% | 1,395 |
| Memoranda: | ||
| Average total assets | $3,303,075,333 | 357 |
| Average earning assets | $3,049,703,333 | 353 |
| Average equity | $347,749,333 | 340 |
| Average total loans | $2,363,421,333 | 347 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 1,628 |
| Cost of funding earning assets | 1.4777% | 882 |
| Net interest margin | 3.3193% | 2,834 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.3438% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0638% | 2,340 |
| Return on assets (ROA) | 1.0734% | 2,279 |
| Pretax return on assets | 1.3082% | 2,149 |
| Return on Equity (ROE) | 10.4800% | 2,638 |
| Retained earnings to average equity (ytd only) | 10.4775% | 1,582 |
| Net charge-offs to loans | 0.0035% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 517.4762% | 221 |
| Efficiency ratio | 64.0130% | 2,457 |
| Assets per employee ($millions) | 6.7911% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,842 |
| Loan loss allowance to noncurrent loans | 238.3663% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 1,291 |
| Noncurrent loans to loans | 0.5638% | 1,316 |
| Net loans and leases to total assets | 69.9200% | 1,636 |
| Net loans and leases to deposits | 89.3017% | 1,107 |
| Net loans and leases to core deposits | 96.1440% | 1,277 |
| Total domestic deposits to total assets | 78.2900% | 3,972 |
| Equity capital to assets | 10.3647% | 1,633 |
| Core capital (leverage) ratio | 10.2351% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8350% | 1,671 |
| Memoranda: | ||
| Average total assets | $3,352,469,500 | 366 |
| Average earning assets | $3,096,928,500 | 360 |
| Average equity | $343,441,000 | 359 |
| Average total loans | $2,378,414,000 | 360 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 1,514 |
| Cost of funding earning assets | 0.4514% | 1,717 |
| Net interest margin | 3.6305% | 1,551 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.3914% | 2,448 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3219% | 1,355 |
| Return on assets (ROA) | 1.3270% | 1,306 |
| Pretax return on assets | 1.6264% | 1,094 |
| Return on Equity (ROE) | 13.2100% | 1,739 |
| Retained earnings to average equity (ytd only) | 13.2130% | 478 |
| Net charge-offs to loans | 0.0284% | 1,494 |
| Credit loss provision to net charge-offs | 353.0378% | 835 |
| Earnings coverage of net charge-offs (x) | 90.2397% | 1,020 |
| Efficiency ratio | 58.3035% | 3,296 |
| Assets per employee ($millions) | 6.7817% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 1,711 |
| Loan loss allowance to noncurrent loans | 294.7456% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 1,553 |
| Noncurrent loans to loans | 0.4559% | 1,571 |
| Net loans and leases to total assets | 70.0700% | 1,636 |
| Net loans and leases to deposits | 87.3288% | 1,220 |
| Net loans and leases to core deposits | 91.7665% | 1,403 |
| Total domestic deposits to total assets | 80.2400% | 3,839 |
| Equity capital to assets | 10.1240% | 1,649 |
| Core capital (leverage) ratio | 9.8949% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4761% | 1,791 |
| Memoranda: | ||
| Average total assets | $3,258,831,400 | 365 |
| Average earning assets | $3,018,207,000 | 359 |
| Average equity | $327,283,200 | 366 |
| Average total loans | $2,141,983,000 | 362 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 1,508 |
| Cost of funding earning assets | 0.3014% | 2,150 |
| Net interest margin | 3.5893% | 1,416 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.3693% | 2,419 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.4189% | 1,038 |
| Return on assets (ROA) | 1.4197% | 1,009 |
| Pretax return on assets | 1.7402% | 824 |
| Return on Equity (ROE) | 14.1700% | 1,381 |
| Retained earnings to average equity (ytd only) | 14.1663% | 444 |
| Net charge-offs to loans | 0.0351% | 1,158 |
| Credit loss provision to net charge-offs | -118.6131% | 4,646 |
| Earnings coverage of net charge-offs (x) | 75.8485% | 1,070 |
| Efficiency ratio | 57.7012% | 3,418 |
| Assets per employee ($millions) | 6.8058% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,079 |
| Loan loss allowance to noncurrent loans | 313.3441% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 1,847 |
| Noncurrent loans to loans | 0.4116% | 1,787 |
| Net loans and leases to total assets | 66.0200% | 1,887 |
| Net loans and leases to deposits | 79.8556% | 1,583 |
| Net loans and leases to core deposits | 83.5456% | 1,688 |
| Total domestic deposits to total assets | 82.6700% | 3,730 |
| Equity capital to assets | 9.7268% | 1,756 |
| Core capital (leverage) ratio | 9.6764% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6021% | 1,843 |
| Memoranda: | ||
| Average total assets | $3,236,001,250 | 368 |
| Average earning assets | $2,997,905,500 | 362 |
| Average equity | $324,312,000 | 371 |
| Average total loans | $2,082,635,000 | 365 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 1,471 |
| Cost of funding earning assets | 0.2107% | 2,769 |
| Net interest margin | 3.5202% | 1,264 |
| Noninterest income to average assets | 0.7887% | 1,074 |
| Noninterest expense to average assets | 2.3713% | 2,333 |
| Loan and lease loss provision to assets | -0.0785% | 4,568 |
| Net operating income to assets | 1.4330% | 829 |
| Return on assets (ROA) | 1.4341% | 809 |
| Pretax return on assets | 1.7563% | 665 |
| Return on Equity (ROE) | 14.1619% | 1,075 |
| Retained earnings to average equity (ytd only) | 14.1619% | 344 |
| Net charge-offs to loans | 0.0184% | 1,368 |
| Credit loss provision to net charge-offs | -672.0430% | 3,445 |
| Earnings coverage of net charge-offs (x) | 143.5538% | 670 |
| Efficiency ratio | 58.2272% | 3,531 |
| Assets per employee ($millions) | 6.4824% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,938 |
| Loan loss allowance to noncurrent loans | 294.4456% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,803 |
| Noncurrent loans to loans | 0.4603% | 1,734 |
| Net loans and leases to total assets | 64.3404% | 1,868 |
| Net loans and leases to deposits | 75.5081% | 1,726 |
| Net loans and leases to core deposits | 78.7078% | 1,804 |
| Total domestic deposits to total assets | 85.2099% | 3,436 |
| Equity capital to assets | 9.7705% | 1,840 |
| Core capital (leverage) ratio | 9.6839% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9174% | 1,726 |
| Memoranda: | ||
| Average total assets | $3,184,907,000 | 369 |
| Average earning assets | $2,948,867,333 | 363 |
| Average equity | $322,526,333 | 372 |
| Average total loans | $2,021,258,000 | 366 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 1,608 |
| Cost of funding earning assets | 0.1777% | 3,114 |
| Net interest margin | 3.3860% | 1,330 |
| Noninterest income to average assets | 0.8261% | 979 |
| Noninterest expense to average assets | 2.3711% | 2,267 |
| Loan and lease loss provision to assets | -0.1594% | 4,654 |
| Net operating income to assets | 1.4403% | 726 |
| Return on assets (ROA) | 1.4403% | 723 |
| Pretax return on assets | 1.7508% | 617 |
| Return on Equity (ROE) | 13.9664% | 836 |
| Retained earnings to average equity (ytd only) | 13.9664% | 381 |
| Net charge-offs to loans | 0.0177% | 1,177 |
| Credit loss provision to net charge-offs | -1,436.7816% | 3,319 |
| Earnings coverage of net charge-offs (x) | 143.4713% | 552 |
| Efficiency ratio | 59.4742% | 3,540 |
| Assets per employee ($millions) | 6.6029% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 1,734 |
| Loan loss allowance to noncurrent loans | 1,084.8620% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,233 |
| Noncurrent loans to loans | 0.1332% | 3,144 |
| Net loans and leases to total assets | 62.2297% | 1,834 |
| Net loans and leases to deposits | 70.2589% | 1,942 |
| Net loans and leases to core deposits | 73.1298% | 2,009 |
| Total domestic deposits to total assets | 88.5719% | 2,269 |
| Equity capital to assets | 10.0530% | 1,853 |
| Core capital (leverage) ratio | 9.6522% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1738% | 1,731 |
| Memoranda: | ||
| Average total assets | $3,137,310,500 | 375 |
| Average earning assets | $2,906,105,500 | 372 |
| Average equity | $323,549,000 | 382 |
| Average total loans | $1,962,174,500 | 375 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 1,906 |
| Cost of funding earning assets | 0.2245% | 3,202 |
| Net interest margin | 3.5638% | 1,566 |
| Noninterest income to average assets | 0.8406% | 1,341 |
| Noninterest expense to average assets | 2.4202% | 2,422 |
| Loan and lease loss provision to assets | -0.0581% | 4,393 |
| Net operating income to assets | 1.4542% | 1,124 |
| Return on assets (ROA) | 1.4542% | 1,199 |
| Pretax return on assets | 1.7780% | 960 |
| Return on Equity (ROE) | 13.4892% | 1,312 |
| Retained earnings to average equity (ytd only) | 7.7783% | 1,626 |
| Net charge-offs to loans | 0.0777% | 1,016 |
| Credit loss provision to net charge-offs | -114.4011% | 3,387 |
| Earnings coverage of net charge-offs (x) | 33.8385% | 1,529 |
| Efficiency ratio | 57.8902% | 3,465 |
| Assets per employee ($millions) | 6.5370% | 2,301 |
| Cash dividends to net income (ytd only)* | 42.3370% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,279 |
| Loan loss allowance to noncurrent loans | 1,074.9912% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,296 |
| Noncurrent loans to loans | 0.1482% | 3,197 |
| Net loans and leases to total assets | 60.9379% | 2,068 |
| Net loans and leases to deposits | 70.3265% | 2,101 |
| Net loans and leases to core deposits | 73.3806% | 2,122 |
| Total domestic deposits to total assets | 86.6500% | 2,642 |
| Equity capital to assets | 10.5816% | 2,104 |
| Core capital (leverage) ratio | 9.6552% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1930% | 1,778 |
| Memoranda: | ||
| Average total assets | $2,923,689,600 | 382 |
| Average earning assets | $2,706,862,000 | 378 |
| Average equity | $315,185,600 | 385 |
| Average total loans | $1,911,931,800 | 375 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 1,915 |
| Cost of funding earning assets | 0.2380% | 3,232 |
| Net interest margin | 3.6116% | 1,572 |
| Noninterest income to average assets | 0.8573% | 1,357 |
| Noninterest expense to average assets | 2.4185% | 2,381 |
| Loan and lease loss provision to assets | -0.0786% | 4,545 |
| Net operating income to assets | 1.5171% | 1,233 |
| Return on assets (ROA) | 1.5171% | 1,282 |
| Pretax return on assets | 1.8591% | 1,027 |
| Return on Equity (ROE) | 14.0036% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.3203% | 2,687 |
| Net charge-offs to loans | 0.0905% | 797 |
| Credit loss provision to net charge-offs | -130.9707% | 3,276 |
| Earnings coverage of net charge-offs (x) | 29.6633% | 1,531 |
| Efficiency ratio | 56.9657% | 3,419 |
| Assets per employee ($millions) | 6.2346% | 2,466 |
| Cash dividends to net income (ytd only)* | 54.8663% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,450 |
| Loan loss allowance to noncurrent loans | 976.7464% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 3,393 |
| Noncurrent loans to loans | 0.1591% | 3,327 |
| Net loans and leases to total assets | 65.3769% | 1,612 |
| Net loans and leases to deposits | 75.6256% | 1,704 |
| Net loans and leases to core deposits | 78.9913% | 1,824 |
| Total domestic deposits to total assets | 86.4481% | 2,582 |
| Equity capital to assets | 10.7773% | 2,186 |
| Core capital (leverage) ratio | 9.4775% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7073% | 2,087 |
| Memoranda: | ||
| Average total assets | $2,883,251,250 | 391 |
| Average earning assets | $2,667,752,500 | 385 |
| Average equity | $312,359,750 | 391 |
| Average total loans | $1,912,255,250 | 379 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 1,753 |
| Cost of funding earning assets | 0.2505% | 3,279 |
| Net interest margin | 3.6762% | 1,403 |
| Noninterest income to average assets | 0.8468% | 1,399 |
| Noninterest expense to average assets | 2.3800% | 2,532 |
| Loan and lease loss provision to assets | -0.0700% | 4,565 |
| Net operating income to assets | 1.5881% | 1,073 |
| Return on assets (ROA) | 1.5881% | 1,131 |
| Pretax return on assets | 1.9335% | 945 |
| Return on Equity (ROE) | 14.6327% | 1,255 |
| Retained earnings to average equity (ytd only) | 3.0148% | 3,834 |
| Net charge-offs to loans | 0.1132% | 680 |
| Credit loss provision to net charge-offs | -93.3707% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.8385% | 1,424 |
| Efficiency ratio | 55.3815% | 3,617 |
| Assets per employee ($millions) | 6.1102% | 2,514 |
| Cash dividends to net income (ytd only)* | 79.3966% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 1,133 |
| Loan loss allowance to noncurrent loans | 878.0406% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 3,376 |
| Noncurrent loans to loans | 0.1898% | 3,281 |
| Net loans and leases to total assets | 63.4646% | 2,019 |
| Net loans and leases to deposits | 73.4184% | 2,059 |
| Net loans and leases to core deposits | 76.8503% | 2,155 |
| Total domestic deposits to total assets | 86.4423% | 2,575 |
| Equity capital to assets | 10.5016% | 2,390 |
| Core capital (leverage) ratio | 9.1920% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0104% | 1,969 |
| Memoranda: | ||
| Average total assets | $2,855,111,667 | 393 |
| Average earning assets | $2,637,986,333 | 388 |
| Average equity | $309,867,667 | 385 |
| Average total loans | $1,892,743,000 | 381 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 1,434 |
| Cost of funding earning assets | 0.2628% | 3,350 |
| Net interest margin | 3.8187% | 1,101 |
| Noninterest income to average assets | 0.8691% | 1,412 |
| Noninterest expense to average assets | 2.3903% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6537% | 1,014 |
| Return on assets (ROA) | 1.6537% | 1,063 |
| Pretax return on assets | 2.0018% | 947 |
| Return on Equity (ROE) | 14.9845% | 1,214 |
| Retained earnings to average equity (ytd only) | 14.9845% | 626 |
| Net charge-offs to loans | 0.1794% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.6007% | 1,316 |
| Efficiency ratio | 53.7335% | 3,816 |
| Assets per employee ($millions) | 6.0871% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 1,019 |
| Loan loss allowance to noncurrent loans | 968.6669% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,537 |
| Noncurrent loans to loans | 0.1767% | 3,474 |
| Net loans and leases to total assets | 65.0782% | 1,914 |
| Net loans and leases to deposits | 75.9577% | 1,916 |
| Net loans and leases to core deposits | 80.0684% | 1,996 |
| Total domestic deposits to total assets | 85.6769% | 2,864 |
| Equity capital to assets | 10.9179% | 1,927 |
| Core capital (leverage) ratio | 9.9969% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5383% | 1,730 |
| Memoranda: | ||
| Average total assets | $2,816,208,000 | 395 |
| Average earning assets | $2,598,175,500 | 390 |
| Average equity | $310,800,500 | 381 |
| Average total loans | $1,892,658,000 | 377 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 1,616 |
| Cost of funding earning assets | 0.5165% | 2,836 |
| Net interest margin | 3.8739% | 1,293 |
| Noninterest income to average assets | 0.9012% | 1,266 |
| Noninterest expense to average assets | 2.5241% | 2,775 |
| Loan and lease loss provision to assets | 0.5164% | 460 |
| Net operating income to assets | 1.1641% | 1,669 |
| Return on assets (ROA) | 1.1641% | 1,783 |
| Pretax return on assets | 1.4172% | 1,603 |
| Return on Equity (ROE) | 10.3516% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.8730% | 1,440 |
| Net charge-offs to loans | 0.0179% | 2,726 |
| Credit loss provision to net charge-offs | 3,987.9154% | 268 |
| Earnings coverage of net charge-offs (x) | 149.3263% | 577 |
| Efficiency ratio | 55.8746% | 3,996 |
| Assets per employee ($millions) | 5.8695% | 2,473 |
| Cash dividends to net income (ytd only)* | 33.6044% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 863 |
| Loan loss allowance to noncurrent loans | 264.6124% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 2,126 |
| Noncurrent loans to loans | 0.6791% | 1,988 |
| Net loans and leases to total assets | 67.0282% | 1,952 |
| Net loans and leases to deposits | 80.3141% | 1,831 |
| Net loans and leases to core deposits | 85.2659% | 1,930 |
| Total domestic deposits to total assets | 83.4576% | 3,275 |
| Equity capital to assets | 11.1609% | 2,125 |
| Core capital (leverage) ratio | 9.9895% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3180% | 2,118 |
| Memoranda: | ||
| Average total assets | $2,556,241,800 | 387 |
| Average earning assets | $2,346,779,800 | 386 |
| Average equity | $287,473,400 | 386 |
| Average total loans | $1,845,549,600 | 371 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 1,718 |
| Cost of funding earning assets | 0.5852% | 2,708 |
| Net interest margin | 3.8600% | 1,445 |
| Noninterest income to average assets | 0.8824% | 1,275 |
| Noninterest expense to average assets | 2.4968% | 2,865 |
| Loan and lease loss provision to assets | 0.7012% | 302 |
| Net operating income to assets | 1.0138% | 2,284 |
| Return on assets (ROA) | 1.0138% | 2,416 |
| Pretax return on assets | 1.2260% | 2,299 |
| Return on Equity (ROE) | 8.9960% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.2823% | 2,906 |
| Net charge-offs to loans | 0.0140% | 2,617 |
| Credit loss provision to net charge-offs | 6,839.3782% | 168 |
| Earnings coverage of net charge-offs (x) | 187.9793% | 512 |
| Efficiency ratio | 55.6698% | 3,962 |
| Assets per employee ($millions) | 5.7515% | 2,496 |
| Cash dividends to net income (ytd only)* | 52.3972% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 865 |
| Loan loss allowance to noncurrent loans | 244.9710% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,115 |
| Noncurrent loans to loans | 0.7016% | 2,039 |
| Net loans and leases to total assets | 72.4906% | 1,591 |
| Net loans and leases to deposits | 86.7627% | 1,616 |
| Net loans and leases to core deposits | 92.3405% | 1,764 |
| Total domestic deposits to total assets | 83.5504% | 2,973 |
| Equity capital to assets | 11.0876% | 2,334 |
| Core capital (leverage) ratio | 9.6501% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8718% | 2,661 |
| Memoranda: | ||
| Average total assets | $2,510,039,000 | 385 |
| Average earning assets | $2,302,967,500 | 382 |
| Average equity | $282,860,250 | 381 |
| Average total loans | $1,839,212,500 | 370 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 1,645 |
| Cost of funding earning assets | 0.6829% | 2,485 |
| Net interest margin | 3.9206% | 1,524 |
| Noninterest income to average assets | 0.8091% | 1,408 |
| Noninterest expense to average assets | 2.4980% | 2,964 |
| Loan and lease loss provision to assets | 1.0980% | 175 |
| Net operating income to assets | 0.6812% | 3,460 |
| Return on assets (ROA) | 0.6812% | 3,564 |
| Pretax return on assets | 0.8030% | 3,576 |
| Return on Equity (ROE) | 6.0094% | 3,503 |
| Retained earnings to average equity (ytd only) | -1.1660% | 4,496 |
| Net charge-offs to loans | 0.0146% | 2,456 |
| Credit loss provision to net charge-offs | 10,305.3435% | 116 |
| Earnings coverage of net charge-offs (x) | 178.4198% | 489 |
| Efficiency ratio | 55.9968% | 3,945 |
| Assets per employee ($millions) | 5.7989% | 2,375 |
| Cash dividends to net income (ytd only)* | 119.4030% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 747 |
| Loan loss allowance to noncurrent loans | 235.6285% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 2,136 |
| Noncurrent loans to loans | 0.7386% | 2,031 |
| Net loans and leases to total assets | 72.2177% | 1,667 |
| Net loans and leases to deposits | 85.8030% | 1,789 |
| Net loans and leases to core deposits | 93.5511% | 1,782 |
| Total domestic deposits to total assets | 84.1669% | 2,695 |
| Equity capital to assets | 10.6505% | 2,621 |
| Core capital (leverage) ratio | 9.1461% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4353% | 2,846 |
| Memoranda: | ||
| Average total assets | $2,459,071,667 | 388 |
| Average earning assets | $2,251,648,000 | 384 |
| Average equity | $278,728,333 | 385 |
| Average total loans | $1,797,570,333 | 372 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,707 |
| Cost of funding earning assets | 0.8401% | 2,171 |
| Net interest margin | 3.8610% | 1,796 |
| Noninterest income to average assets | 0.8427% | 1,183 |
| Noninterest expense to average assets | 2.7145% | 2,671 |
| Loan and lease loss provision to assets | 0.2378% | 1,305 |
| Net operating income to assets | 1.1671% | 1,632 |
| Return on assets (ROA) | 1.1671% | 1,743 |
| Pretax return on assets | 1.4127% | 1,522 |
| Return on Equity (ROE) | 9.9564% | 1,758 |
| Retained earnings to average equity (ytd only) | 9.9564% | 752 |
| Net charge-offs to loans | 0.0471% | 1,546 |
| Credit loss provision to net charge-offs | 693.0693% | 734 |
| Earnings coverage of net charge-offs (x) | 48.1040% | 921 |
| Efficiency ratio | 61.3589% | 3,569 |
| Assets per employee ($millions) | 5.0986% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,264 |
| Loan loss allowance to noncurrent loans | 133.9763% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 1,890 |
| Noncurrent loans to loans | 0.9509% | 1,730 |
| Net loans and leases to total assets | 71.1300% | 2,067 |
| Net loans and leases to deposits | 84.8444% | 2,124 |
| Net loans and leases to core deposits | 95.0273% | 1,878 |
| Total domestic deposits to total assets | 83.8358% | 2,844 |
| Equity capital to assets | 11.8705% | 2,167 |
| Core capital (leverage) ratio | 10.8038% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6152% | 2,436 |
| Memoranda: | ||
| Average total assets | $2,354,866,000 | 389 |
| Average earning assets | $2,148,332,000 | 391 |
| Average equity | $276,043,000 | 386 |
| Average total loans | $1,716,098,500 | 377 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 1,859 |
| Cost of funding earning assets | 1.0932% | 1,353 |
| Net interest margin | 3.7727% | 2,594 |
| Noninterest income to average assets | 0.7351% | 1,683 |
| Noninterest expense to average assets | 2.6274% | 3,101 |
| Loan and lease loss provision to assets | 0.0541% | 2,952 |
| Net operating income to assets | 1.2168% | 1,992 |
| Return on assets (ROA) | 1.2161% | 2,089 |
| Pretax return on assets | 1.4938% | 1,825 |
| Return on Equity (ROE) | 10.7018% | 2,003 |
| Retained earnings to average equity (ytd only) | 1.9414% | 4,022 |
| Net charge-offs to loans | -0.0178% | 4,601 |
| Credit loss provision to net charge-offs | -415.2824% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0290% | 3,377 |
| Assets per employee ($millions) | 4.9647% | 2,648 |
| Cash dividends to net income (ytd only)* | 81.8593% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,751 |
| Loan loss allowance to noncurrent loans | 143.8643% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 2,366 |
| Noncurrent loans to loans | 0.6588% | 2,244 |
| Net loans and leases to total assets | 73.0284% | 1,917 |
| Net loans and leases to deposits | 86.2069% | 2,062 |
| Net loans and leases to core deposits | 96.7863% | 1,829 |
| Total domestic deposits to total assets | 84.7130% | 2,602 |
| Equity capital to assets | 11.5693% | 2,471 |
| Core capital (leverage) ratio | 10.1143% | 3,398 |
| Tier 1 risk-based capital ratio | 12.2241% | 4,230 |
| Total risk-based capital ratio | 13.0725% | 4,336 |
| Memoranda: | ||
| Average total assets | $2,310,462,000 | 371 |
| Average earning assets | $2,107,482,000 | 371 |
| Average equity | $262,544,400 | 381 |
| Average total loans | $1,693,595,000 | 370 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 1,952 |
| Cost of funding earning assets | 1.1290% | 1,249 |
| Net interest margin | 3.7262% | 2,833 |
| Noninterest income to average assets | 0.7110% | 1,736 |
| Noninterest expense to average assets | 2.5953% | 3,176 |
| Loan and lease loss provision to assets | 0.0722% | 2,432 |
| Net operating income to assets | 1.1750% | 2,279 |
| Return on assets (ROA) | 1.1740% | 2,369 |
| Pretax return on assets | 1.4421% | 2,145 |
| Return on Equity (ROE) | 10.3786% | 2,257 |
| Retained earnings to average equity (ytd only) | 1.1877% | 4,518 |
| Net charge-offs to loans | -0.0389% | 4,780 |
| Credit loss provision to net charge-offs | -253.5497% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2331% | 3,290 |
| Assets per employee ($millions) | 4.8856% | 2,678 |
| Cash dividends to net income (ytd only)* | 88.5565% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 3,860 |
| Loan loss allowance to noncurrent loans | 150.6663% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 2,563 |
| Noncurrent loans to loans | 0.6250% | 2,410 |
| Net loans and leases to total assets | 74.1522% | 1,783 |
| Net loans and leases to deposits | 87.6233% | 1,985 |
| Net loans and leases to core deposits | 98.3110% | 1,799 |
| Total domestic deposits to total assets | 84.6261% | 2,569 |
| Equity capital to assets | 11.4231% | 2,717 |
| Core capital (leverage) ratio | 10.0434% | 3,599 |
| Tier 1 risk-based capital ratio | 12.0320% | 4,403 |
| Total risk-based capital ratio | 12.8879% | 4,501 |
| Memoranda: | ||
| Average total assets | $2,308,453,250 | 374 |
| Average earning assets | $2,106,316,750 | 372 |
| Average equity | $261,121,750 | 385 |
| Average total loans | $1,689,652,750 | 377 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 1,939 |
| Cost of funding earning assets | 1.1635% | 1,094 |
| Net interest margin | 3.6750% | 3,012 |
| Noninterest income to average assets | 0.6682% | 1,840 |
| Noninterest expense to average assets | 2.6018% | 3,198 |
| Loan and lease loss provision to assets | 0.0999% | 1,873 |
| Net operating income to assets | 1.0756% | 2,624 |
| Return on assets (ROA) | 1.0740% | 2,697 |
| Pretax return on assets | 1.3192% | 2,481 |
| Return on Equity (ROE) | 9.5265% | 2,619 |
| Retained earnings to average equity (ytd only) | 1.0523% | 4,423 |
| Net charge-offs to loans | 0.0069% | 2,901 |
| Credit loss provision to net charge-offs | 1,982.7586% | 192 |
| Earnings coverage of net charge-offs (x) | 282.0862% | 279 |
| Efficiency ratio | 63.7549% | 3,171 |
| Assets per employee ($millions) | 5.0159% | 2,458 |
| Cash dividends to net income (ytd only)* | 88.9536% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 3,974 |
| Loan loss allowance to noncurrent loans | 163.2245% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 2,767 |
| Noncurrent loans to loans | 0.5679% | 2,558 |
| Net loans and leases to total assets | 72.1478% | 2,196 |
| Net loans and leases to deposits | 84.7703% | 2,399 |
| Net loans and leases to core deposits | 94.7662% | 2,180 |
| Total domestic deposits to total assets | 85.1097% | 2,430 |
| Equity capital to assets | 11.3066% | 2,779 |
| Core capital (leverage) ratio | 10.0551% | 3,529 |
| Tier 1 risk-based capital ratio | 12.2213% | 4,287 |
| Total risk-based capital ratio | 13.0604% | 4,414 |
| Memoranda: | ||
| Average total assets | $2,302,758,670 | 375 |
| Average earning assets | $2,101,988,000 | 374 |
| Average equity | $259,612,670 | 386 |
| Average total loans | $1,672,593,670 | 381 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 1,782 |
| Cost of funding earning assets | 1.1740% | 978 |
| Net interest margin | 3.6711% | 3,001 |
| Noninterest income to average assets | 0.6227% | 1,949 |
| Noninterest expense to average assets | 2.6324% | 3,113 |
| Loan and lease loss provision to assets | 0.1005% | 1,750 |
| Net operating income to assets | 1.0095% | 2,806 |
| Return on assets (ROA) | 1.0095% | 2,851 |
| Pretax return on assets | 1.2416% | 2,659 |
| Return on Equity (ROE) | 8.9671% | 2,825 |
| Retained earnings to average equity (ytd only) | -0.3510% | 4,577 |
| Net charge-offs to loans | 0.0087% | 2,381 |
| Credit loss provision to net charge-offs | 1,597.2222% | 247 |
| Earnings coverage of net charge-offs (x) | 213.2500% | 361 |
| Efficiency ratio | 65.2943% | 3,043 |
| Assets per employee ($millions) | 4.9870% | 2,540 |
| Cash dividends to net income (ytd only)* | 103.9141% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 4,096 |
| Loan loss allowance to noncurrent loans | 419.1501% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 3,893 |
| Noncurrent loans to loans | 0.2187% | 3,808 |
| Net loans and leases to total assets | 71.1220% | 2,308 |
| Net loans and leases to deposits | 83.4487% | 2,447 |
| Net loans and leases to core deposits | 92.4877% | 2,257 |
| Total domestic deposits to total assets | 85.2284% | 2,591 |
| Equity capital to assets | 11.2382% | 2,615 |
| Core capital (leverage) ratio | 10.0668% | 3,530 |
| Tier 1 risk-based capital ratio | 12.3476% | 4,268 |
| Total risk-based capital ratio | 13.1721% | 4,399 |
| Memoranda: | ||
| Average total assets | $2,287,950,000 | 379 |
| Average earning assets | $2,088,983,000 | 380 |
| Average equity | $257,563,000 | 388 |
| Average total loans | $1,659,640,500 | 384 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,465 |
| Cost of funding earning assets | 0.9587% | 892 |
| Net interest margin | 3.5384% | 3,581 |
| Noninterest income to average assets | 0.7152% | 1,787 |
| Noninterest expense to average assets | 2.5273% | 3,533 |
| Loan and lease loss provision to assets | 0.1050% | 2,093 |
| Net operating income to assets | 1.0929% | 2,633 |
| Return on assets (ROA) | 1.0910% | 2,634 |
| Pretax return on assets | 1.3280% | 2,406 |
| Return on Equity (ROE) | 9.9071% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.6693% | 2,373 |
| Net charge-offs to loans | 0.0298% | 2,805 |
| Credit loss provision to net charge-offs | 491.2664% | 702 |
| Earnings coverage of net charge-offs (x) | 67.1550% | 958 |
| Efficiency ratio | 62.9326% | 3,357 |
| Assets per employee ($millions) | 4.9932% | 2,512 |
| Cash dividends to net income (ytd only)* | 42.7753% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,245 |
| Loan loss allowance to noncurrent loans | 248.7014% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 3,406 |
| Noncurrent loans to loans | 0.3545% | 3,271 |
| Net loans and leases to total assets | 72.6645% | 2,149 |
| Net loans and leases to deposits | 87.8251% | 2,064 |
| Net loans and leases to core deposits | 94.7332% | 2,162 |
| Total domestic deposits to total assets | 82.7378% | 3,408 |
| Equity capital to assets | 11.2769% | 2,441 |
| Core capital (leverage) ratio | 10.1770% | 3,376 |
| Tier 1 risk-based capital ratio | 12.4640% | 4,162 |
| Total risk-based capital ratio | 13.2667% | 4,309 |
| Memoranda: | ||
| Average total assets | $2,142,863,200 | 397 |
| Average earning assets | $1,966,650,800 | 392 |
| Average equity | $235,971,600 | 400 |
| Average total loans | $1,535,533,200 | 396 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,696 |
| Cost of funding earning assets | 0.9043% | 903 |
| Net interest margin | 3.4740% | 3,788 |
| Noninterest income to average assets | 0.6608% | 2,022 |
| Noninterest expense to average assets | 2.4903% | 3,623 |
| Loan and lease loss provision to assets | 0.1105% | 1,830 |
| Net operating income to assets | 1.0254% | 2,985 |
| Return on assets (ROA) | 1.0228% | 3,007 |
| Pretax return on assets | 1.2493% | 2,815 |
| Return on Equity (ROE) | 9.3482% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.0400% | 2,104 |
| Net charge-offs to loans | 0.0149% | 2,887 |
| Credit loss provision to net charge-offs | 1,041.6667% | 409 |
| Earnings coverage of net charge-offs (x) | 128.5025% | 624 |
| Efficiency ratio | 63.8015% | 3,215 |
| Assets per employee ($millions) | 4.9391% | 2,549 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,365 |
| Loan loss allowance to noncurrent loans | 166.8130% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 2,827 |
| Noncurrent loans to loans | 0.5236% | 2,813 |
| Net loans and leases to total assets | 73.0913% | 2,151 |
| Net loans and leases to deposits | 89.0014% | 2,021 |
| Net loans and leases to core deposits | 95.0791% | 2,204 |
| Total domestic deposits to total assets | 82.1238% | 3,573 |
| Equity capital to assets | 11.2573% | 2,423 |
| Core capital (leverage) ratio | 10.2872% | 3,305 |
| Tier 1 risk-based capital ratio | 12.4249% | 4,236 |
| Total risk-based capital ratio | 13.2183% | 4,401 |
| Memoranda: | ||
| Average total assets | $2,111,851,750 | 402 |
| Average earning assets | $1,940,709,250 | 400 |
| Average equity | $231,055,500 | 404 |
| Average total loans | $1,503,944,000 | 400 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 3,089 |
| Cost of funding earning assets | 0.8289% | 1,009 |
| Net interest margin | 3.3795% | 4,019 |
| Noninterest income to average assets | 0.7030% | 1,858 |
| Noninterest expense to average assets | 2.4592% | 3,746 |
| Loan and lease loss provision to assets | 0.1209% | 1,632 |
| Net operating income to assets | 1.0126% | 2,963 |
| Return on assets (ROA) | 1.0085% | 2,982 |
| Pretax return on assets | 1.2285% | 2,832 |
| Return on Equity (ROE) | 9.3154% | 2,886 |
| Retained earnings to average equity (ytd only) | 9.3154% | 1,121 |
| Net charge-offs to loans | 0.0301% | 2,258 |
| Credit loss provision to net charge-offs | 570.7763% | 652 |
| Earnings coverage of net charge-offs (x) | 63.9543% | 957 |
| Efficiency ratio | 63.7456% | 3,353 |
| Assets per employee ($millions) | 4.9987% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,469 |
| Loan loss allowance to noncurrent loans | 162.3232% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 2,877 |
| Noncurrent loans to loans | 0.5361% | 2,811 |
| Net loans and leases to total assets | 70.4935% | 2,504 |
| Net loans and leases to deposits | 85.4432% | 2,385 |
| Net loans and leases to core deposits | 90.5526% | 2,525 |
| Total domestic deposits to total assets | 82.5033% | 3,560 |
| Equity capital to assets | 11.2240% | 2,430 |
| Core capital (leverage) ratio | 11.1165% | 2,425 |
| Tier 1 risk-based capital ratio | 12.6300% | 4,107 |
| Total risk-based capital ratio | 13.4121% | 4,275 |
| Memoranda: | ||
| Average total assets | $2,068,346,330 | 409 |
| Average earning assets | $1,903,692,000 | 404 |
| Average equity | $223,930,670 | 412 |
| Average total loans | $1,454,120,000 | 406 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,017 |
| Cost of funding earning assets | 0.7654% | 1,120 |
| Net interest margin | 3.3985% | 3,890 |
| Noninterest income to average assets | 0.7120% | 1,781 |
| Noninterest expense to average assets | 2.5202% | 3,582 |
| Loan and lease loss provision to assets | 0.1212% | 1,556 |
| Net operating income to assets | 0.9942% | 2,875 |
| Return on assets (ROA) | 0.9942% | 2,898 |
| Pretax return on assets | 1.2087% | 2,715 |
| Return on Equity (ROE) | 9.3780% | 2,728 |
| Retained earnings to average equity (ytd only) | 9.3780% | 1,334 |
| Net charge-offs to loans | 0.0240% | 2,024 |
| Credit loss provision to net charge-offs | 722.8916% | 463 |
| Earnings coverage of net charge-offs (x) | 79.3253% | 706 |
| Efficiency ratio | 64.6923% | 3,371 |
| Assets per employee ($millions) | 4.7681% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,204 |
| Loan loss allowance to noncurrent loans | 282.3517% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 3,481 |
| Noncurrent loans to loans | 0.3374% | 3,549 |
| Net loans and leases to total assets | 69.5941% | 2,547 |
| Net loans and leases to deposits | 81.6226% | 2,628 |
| Net loans and leases to core deposits | 86.3085% | 2,775 |
| Total domestic deposits to total assets | 85.2633% | 2,832 |
| Equity capital to assets | 10.5555% | 3,015 |
| Core capital (leverage) ratio | 10.2669% | 3,222 |
| Tier 1 risk-based capital ratio | 12.7416% | 4,095 |
| Total risk-based capital ratio | 13.5995% | 4,235 |
| Memoranda: | ||
| Average total assets | $1,980,307,500 | 424 |
| Average earning assets | $1,828,569,500 | 420 |
| Average equity | $209,939,000 | 437 |
| Average total loans | $1,383,149,000 | 422 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,086 |
| Cost of funding earning assets | 0.6343% | 1,394 |
| Net interest margin | 3.4570% | 3,663 |
| Noninterest income to average assets | 0.7130% | 1,906 |
| Noninterest expense to average assets | 2.4167% | 4,031 |
| Loan and lease loss provision to assets | 0.1496% | 1,514 |
| Net operating income to assets | 0.8795% | 2,819 |
| Return on assets (ROA) | 0.8808% | 2,833 |
| Pretax return on assets | 1.3318% | 2,240 |
| Return on Equity (ROE) | 8.5837% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.5837% | 591 |
| Net charge-offs to loans | 0.1139% | 1,914 |
| Credit loss provision to net charge-offs | 193.2203% | 1,407 |
| Earnings coverage of net charge-offs (x) | 19.1085% | 2,038 |
| Efficiency ratio | 61.2437% | 4,066 |
| Assets per employee ($millions) | 4.8225% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,249 |
| Loan loss allowance to noncurrent loans | 318.8445% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,598 |
| Noncurrent loans to loans | 0.2960% | 3,720 |
| Net loans and leases to total assets | 68.7641% | 2,709 |
| Net loans and leases to deposits | 79.8469% | 2,936 |
| Net loans and leases to core deposits | 84.1615% | 3,045 |
| Total domestic deposits to total assets | 86.1199% | 2,383 |
| Equity capital to assets | 10.6480% | 2,994 |
| Core capital (leverage) ratio | 10.0517% | 3,388 |
| Tier 1 risk-based capital ratio | 12.6844% | 4,101 |
| Total risk-based capital ratio | 13.5268% | 4,256 |
| Memoranda: | ||
| Average total assets | $1,905,187,600 | 428 |
| Average earning assets | $1,754,240,800 | 421 |
| Average equity | $195,498,000 | 449 |
| Average total loans | $1,294,974,800 | 432 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,107 |
| Cost of funding earning assets | 0.6197% | 1,406 |
| Net interest margin | 3.4460% | 3,691 |
| Noninterest income to average assets | 0.7104% | 1,956 |
| Noninterest expense to average assets | 2.4202% | 3,965 |
| Loan and lease loss provision to assets | 0.1587% | 1,298 |
| Net operating income to assets | 0.9532% | 2,763 |
| Return on assets (ROA) | 0.9492% | 2,849 |
| Pretax return on assets | 1.2988% | 2,502 |
| Return on Equity (ROE) | 9.3417% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.3417% | 746 |
| Net charge-offs to loans | 0.1258% | 1,526 |
| Credit loss provision to net charge-offs | 186.5672% | 1,422 |
| Earnings coverage of net charge-offs (x) | 17.2032% | 2,113 |
| Efficiency ratio | 61.5312% | 3,950 |
| Assets per employee ($millions) | 4.8469% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 4,295 |
| Loan loss allowance to noncurrent loans | 216.5226% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 3,426 |
| Noncurrent loans to loans | 0.4414% | 3,382 |
| Net loans and leases to total assets | 67.4686% | 2,925 |
| Net loans and leases to deposits | 79.4999% | 3,015 |
| Net loans and leases to core deposits | 83.9675% | 3,126 |
| Total domestic deposits to total assets | 84.8664% | 2,764 |
| Equity capital to assets | 10.7606% | 3,107 |
| Core capital (leverage) ratio | 10.0812% | 3,467 |
| Tier 1 risk-based capital ratio | 12.9960% | 4,011 |
| Total risk-based capital ratio | 13.8520% | 4,162 |
| Memoranda: | ||
| Average total assets | $1,890,794,250 | 431 |
| Average earning assets | $1,740,881,750 | 426 |
| Average equity | $192,123,750 | 454 |
| Average total loans | $1,278,085,000 | 437 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,042 |
| Cost of funding earning assets | 0.6007% | 1,444 |
| Net interest margin | 3.4392% | 3,632 |
| Noninterest income to average assets | 0.6918% | 2,023 |
| Noninterest expense to average assets | 2.4235% | 3,984 |
| Loan and lease loss provision to assets | 0.1543% | 1,300 |
| Net operating income to assets | 0.9354% | 2,742 |
| Return on assets (ROA) | 0.9318% | 2,814 |
| Pretax return on assets | 1.2724% | 2,490 |
| Return on Equity (ROE) | 9.3585% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.3585% | 742 |
| Net charge-offs to loans | 0.0646% | 2,012 |
| Credit loss provision to net charge-offs | 354.5232% | 862 |
| Earnings coverage of net charge-offs (x) | 32.8973% | 1,402 |
| Efficiency ratio | 62.0584% | 3,980 |
| Assets per employee ($millions) | 4.8422% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,351 |
| Loan loss allowance to noncurrent loans | 316.0484% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,942 |
| Noncurrent loans to loans | 0.3050% | 3,946 |
| Net loans and leases to total assets | 67.2747% | 2,909 |
| Net loans and leases to deposits | 77.3347% | 3,179 |
| Net loans and leases to core deposits | 81.8757% | 3,264 |
| Total domestic deposits to total assets | 86.9916% | 1,961 |
| Equity capital to assets | 10.5873% | 3,246 |
| Core capital (leverage) ratio | 9.9780% | 3,564 |
| Tier 1 risk-based capital ratio | 12.7732% | 4,139 |
| Total risk-based capital ratio | 13.6362% | 4,252 |
| Memoranda: | ||
| Average total assets | $1,879,651,330 | 434 |
| Average earning assets | $1,728,913,670 | 430 |
| Average equity | $187,146,000 | 461 |
| Average total loans | $1,267,188,330 | 441 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,033 |
| Cost of funding earning assets | 0.5826% | 1,499 |
| Net interest margin | 3.4200% | 3,573 |
| Noninterest income to average assets | 0.6784% | 2,046 |
| Noninterest expense to average assets | 2.4675% | 3,912 |
| Loan and lease loss provision to assets | 0.1395% | 1,358 |
| Net operating income to assets | 0.8989% | 2,767 |
| Return on assets (ROA) | 0.8935% | 2,842 |
| Pretax return on assets | 1.2072% | 2,566 |
| Return on Equity (ROE) | 9.2763% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.2763% | 989 |
| Net charge-offs to loans | 0.0659% | 1,671 |
| Credit loss provision to net charge-offs | 315.5340% | 760 |
| Earnings coverage of net charge-offs (x) | 30.6165% | 1,207 |
| Efficiency ratio | 63.7472% | 3,878 |
| Assets per employee ($millions) | 4.7618% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 4,548 |
| Loan loss allowance to noncurrent loans | 388.6608% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,219 |
| Noncurrent loans to loans | 0.2446% | 4,229 |
| Net loans and leases to total assets | 65.4047% | 3,062 |
| Net loans and leases to deposits | 74.2802% | 3,372 |
| Net loans and leases to core deposits | 79.1368% | 3,373 |
| Total domestic deposits to total assets | 88.0514% | 1,691 |
| Equity capital to assets | 9.5770% | 4,205 |
| Core capital (leverage) ratio | 9.0068% | 4,730 |
| Tier 1 risk-based capital ratio | 11.7513% | 4,884 |
| Total risk-based capital ratio | 12.5974% | 5,021 |
| Memoranda: | ||
| Average total assets | $1,863,134,000 | 440 |
| Average earning assets | $1,712,295,000 | 441 |
| Average equity | $179,468,500 | 474 |
| Average total loans | $1,251,143,500 | 446 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,295 |
| Cost of funding earning assets | 0.5807% | 1,481 |
| Net interest margin | 3.3930% | 3,843 |
| Noninterest income to average assets | 0.6993% | 2,173 |
| Noninterest expense to average assets | 2.4959% | 4,025 |
| Loan and lease loss provision to assets | 0.2052% | 1,108 |
| Net operating income to assets | 0.7940% | 3,336 |
| Return on assets (ROA) | 0.7906% | 3,452 |
| Pretax return on assets | 1.1071% | 3,072 |
| Return on Equity (ROE) | 7.9552% | 2,963 |
| Retained earnings to average equity (ytd only) | 1.1486% | 4,834 |
| Net charge-offs to loans | 0.1205% | 2,052 |
| Credit loss provision to net charge-offs | 256.5187% | 1,125 |
| Earnings coverage of net charge-offs (x) | 16.4658% | 2,106 |
| Efficiency ratio | 64.5994% | 3,832 |
| Assets per employee ($millions) | 4.6003% | 2,958 |
| Cash dividends to net income (ytd only)* | 85.5615% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,698 |
| Loan loss allowance to noncurrent loans | 260.4672% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,948 |
| Noncurrent loans to loans | 0.3534% | 3,869 |
| Net loans and leases to total assets | 67.6891% | 2,828 |
| Net loans and leases to deposits | 78.3189% | 3,064 |
| Net loans and leases to core deposits | 83.7325% | 3,050 |
| Total domestic deposits to total assets | 86.4276% | 2,405 |
| Equity capital to assets | 9.6905% | 4,084 |
| Core capital (leverage) ratio | 9.0648% | 4,664 |
| Tier 1 risk-based capital ratio | 11.7907% | 4,870 |
| Total risk-based capital ratio | 12.6263% | 5,029 |
| Memoranda: | ||
| Average total assets | $1,774,021,200 | 441 |
| Average earning assets | $1,628,016,800 | 438 |
| Average equity | $176,299,400 | 468 |
| Average total loans | $1,177,558,000 | 449 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,391 |
| Cost of funding earning assets | 0.5859% | 1,442 |
| Net interest margin | 3.3702% | 3,955 |
| Noninterest income to average assets | 0.6875% | 2,225 |
| Noninterest expense to average assets | 2.4872% | 4,023 |
| Loan and lease loss provision to assets | 0.2453% | 778 |
| Net operating income to assets | 0.7513% | 3,602 |
| Return on assets (ROA) | 0.7490% | 3,739 |
| Pretax return on assets | 1.0474% | 3,438 |
| Return on Equity (ROE) | 7.4890% | 3,306 |
| Retained earnings to average equity (ytd only) | -1.5950% | 5,565 |
| Net charge-offs to loans | 0.1537% | 1,463 |
| Credit loss provision to net charge-offs | 242.3336% | 1,226 |
| Earnings coverage of net charge-offs (x) | 12.8003% | 2,354 |
| Efficiency ratio | 64.8760% | 3,782 |
| Assets per employee ($millions) | 4.5361% | 3,027 |
| Cash dividends to net income (ytd only)* | 121.2979% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 4,844 |
| Loan loss allowance to noncurrent loans | 179.4023% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,726 |
| Noncurrent loans to loans | 0.5050% | 3,481 |
| Net loans and leases to total assets | 68.1592% | 2,778 |
| Net loans and leases to deposits | 79.4434% | 3,027 |
| Net loans and leases to core deposits | 85.1838% | 3,021 |
| Total domestic deposits to total assets | 85.7960% | 2,452 |
| Equity capital to assets | 9.8072% | 4,354 |
| Core capital (leverage) ratio | 8.9002% | 4,943 |
| Tier 1 risk-based capital ratio | 11.8628% | 4,882 |
| Total risk-based capital ratio | 12.7020% | 5,024 |
| Memoranda: | ||
| Average total assets | $1,760,948,750 | 444 |
| Average earning assets | $1,617,409,000 | 439 |
| Average equity | $176,129,500 | 472 |
| Average total loans | $1,160,023,000 | 454 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 3,520 |
| Cost of funding earning assets | 0.5791% | 1,474 |
| Net interest margin | 3.3468% | 4,073 |
| Noninterest income to average assets | 0.6762% | 2,248 |
| Noninterest expense to average assets | 2.4979% | 4,034 |
| Loan and lease loss provision to assets | 0.2742% | 679 |
| Net operating income to assets | 0.7055% | 3,761 |
| Return on assets (ROA) | 0.7008% | 3,943 |
| Pretax return on assets | 0.9715% | 3,699 |
| Return on Equity (ROE) | 6.9600% | 3,571 |
| Retained earnings to average equity (ytd only) | -4.3866% | 5,717 |
| Net charge-offs to loans | 0.0100% | 3,359 |
| Credit loss provision to net charge-offs | 4,210.5263% | 104 |
| Earnings coverage of net charge-offs (x) | 192.3158% | 338 |
| Efficiency ratio | 65.7233% | 3,721 |
| Assets per employee ($millions) | 4.4564% | 3,110 |
| Cash dividends to net income (ytd only)* | 163.0258% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 4,632 |
| Loan loss allowance to noncurrent loans | 110.5123% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 2,991 |
| Noncurrent loans to loans | 0.8839% | 2,525 |
| Net loans and leases to total assets | 66.1654% | 3,057 |
| Net loans and leases to deposits | 78.8253% | 3,073 |
| Net loans and leases to core deposits | 84.5685% | 3,029 |
| Total domestic deposits to total assets | 83.9393% | 3,287 |
| Equity capital to assets | 9.7935% | 4,457 |
| Core capital (leverage) ratio | 8.9391% | 4,895 |
| Tier 1 risk-based capital ratio | 12.0508% | 4,790 |
| Total risk-based capital ratio | 12.9465% | 4,932 |
| Memoranda: | ||
| Average total assets | $1,750,673,000 | 448 |
| Average earning assets | $1,607,994,330 | 441 |
| Average equity | $176,265,000 | 473 |
| Average total loans | $1,135,888,330 | 458 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 3,664 |
| Cost of funding earning assets | 0.5675% | 1,564 |
| Net interest margin | 3.3117% | 4,183 |
| Noninterest income to average assets | 0.6377% | 2,329 |
| Noninterest expense to average assets | 2.5474% | 3,920 |
| Loan and lease loss provision to assets | 0.1036% | 1,979 |
| Net operating income to assets | 0.7237% | 3,604 |
| Return on assets (ROA) | 0.7233% | 3,716 |
| Pretax return on assets | 1.0273% | 3,377 |
| Return on Equity (ROE) | 7.0851% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.0851% | 1,848 |
| Net charge-offs to loans | 0.0173% | 2,591 |
| Credit loss provision to net charge-offs | 937.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 102.3542% | 531 |
| Efficiency ratio | 68.3380% | 3,408 |
| Assets per employee ($millions) | 4.5736% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 5,248 |
| Loan loss allowance to noncurrent loans | 491.8575% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,756 |
| Noncurrent loans to loans | 0.1713% | 4,798 |
| Net loans and leases to total assets | 63.4394% | 3,327 |
| Net loans and leases to deposits | 74.2329% | 3,408 |
| Net loans and leases to core deposits | 79.7202% | 3,344 |
| Total domestic deposits to total assets | 85.4599% | 2,931 |
| Equity capital to assets | 10.0236% | 4,047 |
| Core capital (leverage) ratio | 9.5370% | 4,120 |
| Tier 1 risk-based capital ratio | 12.8897% | 4,328 |
| Total risk-based capital ratio | 13.6537% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,736,967,500 | 451 |
| Average earning assets | $1,595,061,000 | 441 |
| Average equity | $177,329,500 | 468 |
| Average total loans | $1,109,791,000 | 462 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 3,839 |
| Cost of funding earning assets | 0.5024% | 2,134 |
| Net interest margin | 3.3598% | 4,077 |
| Noninterest income to average assets | 0.6909% | 2,248 |
| Noninterest expense to average assets | 2.5221% | 4,154 |
| Loan and lease loss provision to assets | 0.1374% | 1,725 |
| Net operating income to assets | 0.7703% | 3,463 |
| Return on assets (ROA) | 0.7637% | 3,592 |
| Pretax return on assets | 1.0922% | 3,099 |
| Return on Equity (ROE) | 7.2117% | 3,402 |
| Retained earnings to average equity (ytd only) | -4.8561% | 5,912 |
| Net charge-offs to loans | 0.0631% | 2,967 |
| Credit loss provision to net charge-offs | 339.6524% | 882 |
| Earnings coverage of net charge-offs (x) | 30.6303% | 1,438 |
| Efficiency ratio | 66.1666% | 3,880 |
| Assets per employee ($millions) | 4.4355% | 3,144 |
| Cash dividends to net income (ytd only)* | 167.3360% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 5,220 |
| Loan loss allowance to noncurrent loans | 380.8799% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,612 |
| Noncurrent loans to loans | 0.2268% | 4,618 |
| Net loans and leases to total assets | 63.2497% | 3,381 |
| Net loans and leases to deposits | 72.4483% | 3,671 |
| Net loans and leases to core deposits | 77.6783% | 3,583 |
| Total domestic deposits to total assets | 87.3032% | 1,982 |
| Equity capital to assets | 10.4070% | 3,475 |
| Core capital (leverage) ratio | 9.9681% | 3,554 |
| Tier 1 risk-based capital ratio | 13.5364% | 3,987 |
| Total risk-based capital ratio | 14.3157% | 4,182 |
| Memoranda: | ||
| Average total assets | $1,564,954,600 | 455 |
| Average earning assets | $1,430,009,000 | 454 |
| Average equity | $165,730,400 | 478 |
| Average total loans | $1,003,621,600 | 480 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,008 |
| Cost of funding earning assets | 0.4820% | 2,389 |
| Net interest margin | 3.3447% | 4,161 |
| Noninterest income to average assets | 0.6972% | 2,234 |
| Noninterest expense to average assets | 2.5034% | 4,181 |
| Loan and lease loss provision to assets | 0.1346% | 1,670 |
| Net operating income to assets | 0.7820% | 3,515 |
| Return on assets (ROA) | 0.7766% | 3,631 |
| Pretax return on assets | 1.1074% | 3,190 |
| Return on Equity (ROE) | 7.2985% | 3,468 |
| Retained earnings to average equity (ytd only) | -9.0183% | 6,111 |
| Net charge-offs to loans | 0.0652% | 2,648 |
| Credit loss provision to net charge-offs | 321.5768% | 907 |
| Earnings coverage of net charge-offs (x) | 29.8693% | 1,502 |
| Efficiency ratio | 65.8225% | 3,920 |
| Assets per employee ($millions) | 4.3157% | 3,296 |
| Cash dividends to net income (ytd only)* | 223.5636% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 5,430 |
| Loan loss allowance to noncurrent loans | 217.9525% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,360 |
| Noncurrent loans to loans | 0.3827% | 4,239 |
| Net loans and leases to total assets | 65.2673% | 3,118 |
| Net loans and leases to deposits | 78.8407% | 3,008 |
| Net loans and leases to core deposits | 85.2639% | 2,925 |
| Total domestic deposits to total assets | 82.7838% | 3,887 |
| Equity capital to assets | 10.5506% | 3,553 |
| Core capital (leverage) ratio | 9.9905% | 3,646 |
| Tier 1 risk-based capital ratio | 13.0392% | 4,407 |
| Total risk-based capital ratio | 13.7870% | 4,634 |
| Memoranda: | ||
| Average total assets | $1,535,926,000 | 467 |
| Average earning assets | $1,403,361,000 | 467 |
| Average equity | $163,425,750 | 486 |
| Average total loans | $986,393,500 | 484 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,531 |
| Cost of funding earning assets | 0.4733% | 2,484 |
| Net interest margin | 3.4668% | 3,634 |
| Noninterest income to average assets | 0.7062% | 2,186 |
| Noninterest expense to average assets | 2.5311% | 4,137 |
| Loan and lease loss provision to assets | 0.1946% | 1,022 |
| Net operating income to assets | 0.8100% | 3,327 |
| Return on assets (ROA) | 0.8070% | 3,450 |
| Pretax return on assets | 1.1449% | 2,991 |
| Return on Equity (ROE) | 7.6971% | 3,210 |
| Retained earnings to average equity (ytd only) | -18.8218% | 6,260 |
| Net charge-offs to loans | 0.0648% | 2,454 |
| Credit loss provision to net charge-offs | 469.7987% | 657 |
| Earnings coverage of net charge-offs (x) | 32.4396% | 1,295 |
| Efficiency ratio | 64.4615% | 4,282 |
| Assets per employee ($millions) | 4.1087% | 3,667 |
| Cash dividends to net income (ytd only)* | 344.5306% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 5,400 |
| Loan loss allowance to noncurrent loans | 240.0163% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 4,509 |
| Noncurrent loans to loans | 0.3634% | 4,406 |
| Net loans and leases to total assets | 67.4242% | 2,726 |
| Net loans and leases to deposits | 82.8976% | 2,447 |
| Net loans and leases to core deposits | 89.5903% | 2,385 |
| Total domestic deposits to total assets | 81.3344% | 4,507 |
| Equity capital to assets | 10.1392% | 3,884 |
| Core capital (leverage) ratio | 9.5172% | 4,260 |
| Tier 1 risk-based capital ratio | 12.6369% | 4,718 |
| Total risk-based capital ratio | 13.4344% | 4,912 |
| Memoranda: | ||
| Average total assets | $1,438,665,670 | 500 |
| Average earning assets | $1,314,994,000 | 494 |
| Average equity | $150,836,000 | 507 |
| Average total loans | $920,097,000 | 516 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,495 |
| Cost of funding earning assets | 0.4579% | 2,698 |
| Net interest margin | 3.2035% | 4,598 |
| Noninterest income to average assets | 0.6660% | 2,330 |
| Noninterest expense to average assets | 2.3983% | 4,594 |
| Loan and lease loss provision to assets | 0.3395% | 393 |
| Net operating income to assets | 0.5673% | 4,412 |
| Return on assets (ROA) | 0.5664% | 4,520 |
| Pretax return on assets | 0.8578% | 4,034 |
| Return on Equity (ROE) | 5.3262% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.3262% | 2,873 |
| Net charge-offs to loans | 0.0801% | 1,912 |
| Credit loss provision to net charge-offs | 685.7143% | 433 |
| Earnings coverage of net charge-offs (x) | 24.2114% | 1,300 |
| Efficiency ratio | 65.8329% | 4,187 |
| Assets per employee ($millions) | 4.2810% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 5,398 |
| Loan loss allowance to noncurrent loans | 214.0480% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 4,503 |
| Noncurrent loans to loans | 0.4272% | 4,316 |
| Net loans and leases to total assets | 63.4336% | 3,173 |
| Net loans and leases to deposits | 78.9460% | 2,689 |
| Net loans and leases to core deposits | 84.4685% | 2,718 |
| Total domestic deposits to total assets | 80.3507% | 4,975 |
| Equity capital to assets | 11.2920% | 2,655 |
| Core capital (leverage) ratio | 11.5195% | 1,991 |
| Tier 1 risk-based capital ratio | 14.5744% | 3,685 |
| Total risk-based capital ratio | 15.3932% | 3,849 |
| Memoranda: | ||
| Average total assets | $1,413,815,000 | 506 |
| Average earning assets | $1,293,600,500 | 503 |
| Average equity | $150,350,500 | 508 |
| Average total loans | $874,311,000 | 536 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,190 |
| Cost of funding earning assets | 0.4574% | 3,099 |
| Net interest margin | 3.4263% | 4,080 |
| Noninterest income to average assets | 0.8255% | 1,774 |
| Noninterest expense to average assets | 2.6092% | 4,181 |
| Loan and lease loss provision to assets | 0.1035% | 2,427 |
| Net operating income to assets | 0.8730% | 3,004 |
| Return on assets (ROA) | 0.8613% | 3,156 |
| Pretax return on assets | 1.2213% | 2,560 |
| Return on Equity (ROE) | 8.6629% | 2,750 |
| Retained earnings to average equity (ytd only) | 3.9368% | 3,410 |
| Net charge-offs to loans | 0.0939% | 3,160 |
| Credit loss provision to net charge-offs | 190.4899% | 1,295 |
| Earnings coverage of net charge-offs (x) | 24.6830% | 1,521 |
| Efficiency ratio | 65.1602% | 4,382 |
| Assets per employee ($millions) | 4.3298% | 3,310 |
| Cash dividends to net income (ytd only)* | 54.5554% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,179 |
| Loan loss allowance to noncurrent loans | 189.3794% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 4,600 |
| Noncurrent loans to loans | 0.5147% | 4,125 |
| Net loans and leases to total assets | 58.8210% | 3,943 |
| Net loans and leases to deposits | 72.7897% | 3,584 |
| Net loans and leases to core deposits | 77.9144% | 3,531 |
| Total domestic deposits to total assets | 80.8094% | 4,791 |
| Equity capital to assets | 9.8977% | 4,236 |
| Core capital (leverage) ratio | 9.7828% | 3,856 |
| Tier 1 risk-based capital ratio | 15.3088% | 3,307 |
| Total risk-based capital ratio | 16.2316% | 3,432 |
| Memoranda: | ||
| Average total assets | $1,276,964,200 | 528 |
| Average earning assets | $1,164,721,800 | 536 |
| Average equity | $126,955,000 | 572 |
| Average total loans | $739,460,800 | 587 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 4,179 |
| Cost of funding earning assets | 0.4546% | 3,192 |
| Net interest margin | 3.4452% | 4,039 |
| Noninterest income to average assets | 0.8239% | 1,800 |
| Noninterest expense to average assets | 2.5850% | 4,241 |
| Loan and lease loss provision to assets | 0.1290% | 1,944 |
| Net operating income to assets | 0.8721% | 3,061 |
| Return on assets (ROA) | 0.8556% | 3,243 |
| Pretax return on assets | 1.2271% | 2,669 |
| Return on Equity (ROE) | 8.5962% | 2,906 |
| Retained earnings to average equity (ytd only) | 2.2318% | 4,943 |
| Net charge-offs to loans | 0.1092% | 2,710 |
| Credit loss provision to net charge-offs | 205.3782% | 1,238 |
| Earnings coverage of net charge-offs (x) | 21.9614% | 1,652 |
| Efficiency ratio | 64.3009% | 4,490 |
| Assets per employee ($millions) | 4.0236% | 3,825 |
| Cash dividends to net income (ytd only)* | 74.0375% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,213 |
| Loan loss allowance to noncurrent loans | 217.6487% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 4,943 |
| Noncurrent loans to loans | 0.4600% | 4,524 |
| Net loans and leases to total assets | 59.2935% | 3,889 |
| Net loans and leases to deposits | 73.6984% | 3,468 |
| Net loans and leases to core deposits | 79.5762% | 3,366 |
| Total domestic deposits to total assets | 80.4543% | 4,978 |
| Equity capital to assets | 9.9510% | 4,226 |
| Core capital (leverage) ratio | 9.9843% | 3,702 |
| Tier 1 risk-based capital ratio | 15.4159% | 3,362 |
| Total risk-based capital ratio | 16.3673% | 3,465 |
| Memoranda: | ||
| Average total assets | $1,262,811,000 | 531 |
| Average earning assets | $1,151,222,250 | 535 |
| Average equity | $125,695,500 | 573 |
| Average total loans | $726,290,000 | 595 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 4,044 |
| Cost of funding earning assets | 0.4554% | 3,262 |
| Net interest margin | 3.4677% | 3,906 |
| Noninterest income to average assets | 0.7824% | 1,907 |
| Noninterest expense to average assets | 2.5755% | 4,329 |
| Loan and lease loss provision to assets | 0.0912% | 2,502 |
| Net operating income to assets | 0.8869% | 2,878 |
| Return on assets (ROA) | 0.8605% | 3,111 |
| Pretax return on assets | 1.2380% | 2,509 |
| Return on Equity (ROE) | 8.6447% | 2,762 |
| Retained earnings to average equity (ytd only) | 2.2388% | 4,769 |
| Net charge-offs to loans | 0.1136% | 2,526 |
| Credit loss provision to net charge-offs | 141.5842% | 1,514 |
| Earnings coverage of net charge-offs (x) | 21.2228% | 1,555 |
| Efficiency ratio | 64.4076% | 4,630 |
| Assets per employee ($millions) | 3.7230% | 4,409 |
| Cash dividends to net income (ytd only)* | 74.1015% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,312 |
| Loan loss allowance to noncurrent loans | 167.4971% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 4,812 |
| Noncurrent loans to loans | 0.6011% | 4,223 |
| Net loans and leases to total assets | 56.5638% | 4,185 |
| Net loans and leases to deposits | 69.2959% | 3,910 |
| Net loans and leases to core deposits | 75.4279% | 3,685 |
| Total domestic deposits to total assets | 81.6265% | 4,773 |
| Equity capital to assets | 10.1271% | 3,937 |
| Core capital (leverage) ratio | 9.9411% | 3,695 |
| Tier 1 risk-based capital ratio | 15.9205% | 3,137 |
| Total risk-based capital ratio | 16.8530% | 3,246 |
| Memoranda: | ||
| Average total assets | $1,254,569,330 | 538 |
| Average earning assets | $1,143,239,330 | 539 |
| Average equity | $124,886,330 | 574 |
| Average total loans | $711,338,330 | 607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 4,029 |
| Cost of funding earning assets | 0.4537% | 3,387 |
| Net interest margin | 3.4588% | 3,866 |
| Noninterest income to average assets | 0.7403% | 1,990 |
| Noninterest expense to average assets | 2.5427% | 4,471 |
| Loan and lease loss provision to assets | 0.0640% | 2,842 |
| Net operating income to assets | 0.8916% | 2,693 |
| Return on assets (ROA) | 0.8347% | 3,052 |
| Pretax return on assets | 1.2082% | 2,457 |
| Return on Equity (ROE) | 8.4588% | 2,705 |
| Retained earnings to average equity (ytd only) | 1.9770% | 4,810 |
| Net charge-offs to loans | 0.1019% | 2,151 |
| Credit loss provision to net charge-offs | 111.1111% | 1,536 |
| Earnings coverage of net charge-offs (x) | 23.5333% | 1,214 |
| Efficiency ratio | 64.3144% | 4,809 |
| Assets per employee ($millions) | 3.7249% | 4,471 |
| Cash dividends to net income (ytd only)* | 76.6284% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 5,494 |
| Loan loss allowance to noncurrent loans | 117.3569% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 4,352 |
| Noncurrent loans to loans | 0.8578% | 3,749 |
| Net loans and leases to total assets | 55.7212% | 4,179 |
| Net loans and leases to deposits | 67.9559% | 3,860 |
| Net loans and leases to core deposits | 73.8925% | 3,657 |
| Total domestic deposits to total assets | 81.9962% | 4,945 |
| Equity capital to assets | 9.9309% | 3,924 |
| Core capital (leverage) ratio | 9.8981% | 3,716 |
| Tier 1 risk-based capital ratio | 16.1561% | 3,084 |
| Total risk-based capital ratio | 17.0899% | 3,213 |
| Memoranda: | ||
| Average total assets | $1,250,800,500 | 542 |
| Average earning assets | $1,141,679,500 | 543 |
| Average equity | $123,422,000 | 582 |
| Average total loans | $706,429,000 | 611 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,805 |
| Cost of funding earning assets | 0.4970% | 3,644 |
| Net interest margin | 3.3062% | 4,643 |
| Noninterest income to average assets | 0.9007% | 1,676 |
| Noninterest expense to average assets | 2.5470% | 4,623 |
| Loan and lease loss provision to assets | 0.1465% | 2,464 |
| Net operating income to assets | 1.5320% | 774 |
| Return on assets (ROA) | 1.5806% | 741 |
| Pretax return on assets | 1.2974% | 2,166 |
| Return on Equity (ROE) | 16.5849% | 554 |
| Retained earnings to average equity (ytd only) | 8.6554% | 860 |
| Net charge-offs to loans | 0.1524% | 3,279 |
| Credit loss provision to net charge-offs | 173.4592% | 1,318 |
| Earnings coverage of net charge-offs (x) | 16.5189% | 1,795 |
| Efficiency ratio | 64.6064% | 4,798 |
| Assets per employee ($millions) | 3.8114% | 4,239 |
| Cash dividends to net income (ytd only)* | 47.8113% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 5,540 |
| Loan loss allowance to noncurrent loans | 97.6997% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 4,180 |
| Noncurrent loans to loans | 1.0279% | 3,460 |
| Net loans and leases to total assets | 56.1007% | 4,303 |
| Net loans and leases to deposits | 69.7456% | 3,814 |
| Net loans and leases to core deposits | 75.1104% | 3,720 |
| Total domestic deposits to total assets | 80.4361% | 5,333 |
| Equity capital to assets | 9.8035% | 4,037 |
| Core capital (leverage) ratio | 10.1914% | 3,304 |
| Tier 1 risk-based capital ratio | 15.8403% | 3,183 |
| Total risk-based capital ratio | 16.7587% | 3,319 |
| Memoranda: | ||
| Average total assets | $1,190,962,000 | 550 |
| Average earning assets | $1,095,655,400 | 543 |
| Average equity | $113,500,800 | 624 |
| Average total loans | $659,953,800 | 640 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 5,040 |
| Cost of funding earning assets | 0.5163% | 3,610 |
| Net interest margin | 3.2319% | 4,892 |
| Noninterest income to average assets | 0.9292% | 1,661 |
| Noninterest expense to average assets | 2.5282% | 4,630 |
| Loan and lease loss provision to assets | 0.1467% | 2,445 |
| Net operating income to assets | 1.2345% | 1,521 |
| Return on assets (ROA) | 1.2858% | 1,454 |
| Pretax return on assets | 1.2858% | 2,386 |
| Return on Equity (ROE) | 13.5952% | 1,101 |
| Retained earnings to average equity (ytd only) | 2.8168% | 4,633 |
| Net charge-offs to loans | 0.1725% | 2,844 |
| Credit loss provision to net charge-offs | 154.3504% | 1,530 |
| Earnings coverage of net charge-offs (x) | 14.5340% | 1,938 |
| Efficiency ratio | 64.6704% | 4,700 |
| Assets per employee ($millions) | 3.8252% | 4,178 |
| Cash dividends to net income (ytd only)* | 79.2812% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 5,653 |
| Loan loss allowance to noncurrent loans | 134.4521% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 4,854 |
| Noncurrent loans to loans | 0.7547% | 4,337 |
| Net loans and leases to total assets | 54.4447% | 4,534 |
| Net loans and leases to deposits | 68.9157% | 3,945 |
| Net loans and leases to core deposits | 74.5760% | 3,778 |
| Total domestic deposits to total assets | 79.0019% | 5,742 |
| Equity capital to assets | 9.7037% | 4,296 |
| Core capital (leverage) ratio | 9.9104% | 3,799 |
| Tier 1 risk-based capital ratio | 15.5344% | 3,453 |
| Total risk-based capital ratio | 16.4565% | 3,582 |
| Memoranda: | ||
| Average total assets | $1,177,123,750 | 557 |
| Average earning assets | $1,085,458,000 | 551 |
| Average equity | $111,330,250 | 641 |
| Average total loans | $648,371,250 | 650 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 5,215 |
| Cost of funding earning assets | 0.5523% | 3,384 |
| Net interest margin | 3.1237% | 5,208 |
| Noninterest income to average assets | 0.9569% | 1,633 |
| Noninterest expense to average assets | 2.4986% | 4,738 |
| Loan and lease loss provision to assets | 0.1213% | 2,805 |
| Net operating income to assets | 1.2214% | 1,538 |
| Return on assets (ROA) | 1.2993% | 1,415 |
| Pretax return on assets | 1.2993% | 2,302 |
| Return on Equity (ROE) | 13.8642% | 1,042 |
| Retained earnings to average equity (ytd only) | 1.0168% | 5,495 |
| Net charge-offs to loans | 0.1842% | 2,653 |
| Credit loss provision to net charge-offs | 119.4915% | 1,865 |
| Earnings coverage of net charge-offs (x) | 13.2305% | 1,915 |
| Efficiency ratio | 65.0457% | 4,703 |
| Assets per employee ($millions) | 3.8739% | 4,058 |
| Cash dividends to net income (ytd only)* | 92.6661% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 5,835 |
| Loan loss allowance to noncurrent loans | 135.1933% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 4,975 |
| Noncurrent loans to loans | 0.7373% | 4,451 |
| Net loans and leases to total assets | 54.7365% | 4,488 |
| Net loans and leases to deposits | 68.8249% | 3,886 |
| Net loans and leases to core deposits | 74.6243% | 3,715 |
| Total domestic deposits to total assets | 79.5301% | 5,709 |
| Equity capital to assets | 8.8580% | 5,382 |
| Core capital (leverage) ratio | 9.5151% | 4,222 |
| Tier 1 risk-based capital ratio | 15.1364% | 3,687 |
| Total risk-based capital ratio | 16.0455% | 3,878 |
| Memoranda: | ||
| Average total assets | $1,162,751,670 | 562 |
| Average earning assets | $1,073,665,670 | 554 |
| Average equity | $108,971,000 | 658 |
| Average total loans | $640,773,000 | 655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 5,593 |
| Cost of funding earning assets | 0.5930% | 3,170 |
| Net interest margin | 2.9510% | 5,704 |
| Noninterest income to average assets | 0.9457% | 1,627 |
| Noninterest expense to average assets | 2.4794% | 4,828 |
| Loan and lease loss provision to assets | 0.1192% | 2,742 |
| Net operating income to assets | 1.0698% | 1,966 |
| Return on assets (ROA) | 1.1469% | 1,798 |
| Pretax return on assets | 1.1469% | 2,778 |
| Return on Equity (ROE) | 11.9064% | 1,451 |
| Retained earnings to average equity (ytd only) | -9.6242% | 6,599 |
| Net charge-offs to loans | 0.1288% | 2,638 |
| Credit loss provision to net charge-offs | 168.2927% | 1,250 |
| Earnings coverage of net charge-offs (x) | 16.7805% | 1,350 |
| Efficiency ratio | 67.5869% | 4,394 |
| Assets per employee ($millions) | 3.7583% | 4,435 |
| Cash dividends to net income (ytd only)* | 180.8318% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 5,920 |
| Loan loss allowance to noncurrent loans | 129.2853% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 4,971 |
| Noncurrent loans to loans | 0.7887% | 4,545 |
| Net loans and leases to total assets | 54.6367% | 4,309 |
| Net loans and leases to deposits | 66.0709% | 4,047 |
| Net loans and leases to core deposits | 72.4169% | 3,768 |
| Total domestic deposits to total assets | 82.6941% | 4,956 |
| Equity capital to assets | 9.5436% | 4,790 |
| Core capital (leverage) ratio | 8.8958% | 5,063 |
| Tier 1 risk-based capital ratio | 14.9673% | 3,857 |
| Total risk-based capital ratio | 15.8986% | 4,032 |
| Memoranda: | ||
| Average total assets | $1,157,234,000 | 571 |
| Average earning assets | $1,067,703,000 | 561 |
| Average equity | $111,469,500 | 653 |
| Average total loans | $636,680,000 | 659 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 5,665 |
| Cost of funding earning assets | 0.7347% | 3,209 |
| Net interest margin | 3.1363% | 5,729 |
| Noninterest income to average assets | 0.9853% | 1,577 |
| Noninterest expense to average assets | 2.5638% | 4,889 |
| Loan and lease loss provision to assets | 0.0946% | 4,484 |
| Net operating income to assets | 1.2250% | 1,519 |
| Return on assets (ROA) | 1.5161% | 981 |
| Pretax return on assets | 1.5161% | 1,633 |
| Return on Equity (ROE) | 15.8055% | 683 |
| Retained earnings to average equity (ytd only) | 8.3872% | 1,003 |
| Net charge-offs to loans | 0.1113% | 4,562 |
| Credit loss provision to net charge-offs | 154.6512% | 1,749 |
| Earnings coverage of net charge-offs (x) | 21.5640% | 1,298 |
| Efficiency ratio | 66.0192% | 4,501 |
| Assets per employee ($millions) | 3.6730% | 4,620 |
| Cash dividends to net income (ytd only)* | 46.9346% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 5,978 |
| Loan loss allowance to noncurrent loans | 119.6836% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 5,019 |
| Noncurrent loans to loans | 0.8341% | 4,527 |
| Net loans and leases to total assets | 54.2889% | 4,582 |
| Net loans and leases to deposits | 65.8167% | 4,314 |
| Net loans and leases to core deposits | 71.4771% | 4,107 |
| Total domestic deposits to total assets | 82.4850% | 4,937 |
| Equity capital to assets | 9.7207% | 4,567 |
| Core capital (leverage) ratio | 9.6846% | 3,833 |
| Tier 1 risk-based capital ratio | 15.2900% | 3,551 |
| Total risk-based capital ratio | 16.1986% | 3,700 |
| Memoranda: | ||
| Average total assets | $1,124,262,000 | 582 |
| Average earning assets | $1,038,884,400 | 567 |
| Average equity | $107,842,400 | 658 |
| Average total loans | $618,214,200 | 671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 5,685 |
| Cost of funding earning assets | 0.7824% | 3,090 |
| Net interest margin | 3.1571% | 5,803 |
| Noninterest income to average assets | 1.0023% | 1,492 |
| Noninterest expense to average assets | 2.4923% | 5,112 |
| Loan and lease loss provision to assets | 0.1123% | 4,164 |
| Net operating income to assets | 1.3168% | 1,400 |
| Return on assets (ROA) | 1.6482% | 844 |
| Pretax return on assets | 1.6482% | 1,419 |
| Return on Equity (ROE) | 17.2421% | 582 |
| Retained earnings to average equity (ytd only) | 7.2358% | 1,991 |
| Net charge-offs to loans | 0.1089% | 4,302 |
| Credit loss provision to net charge-offs | 187.4251% | 1,476 |
| Earnings coverage of net charge-offs (x) | 23.8584% | 1,300 |
| Efficiency ratio | 63.5557% | 4,879 |
| Assets per employee ($millions) | 3.5808% | 4,786 |
| Cash dividends to net income (ytd only)* | 58.0341% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,015 |
| Loan loss allowance to noncurrent loans | 108.5985% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 5,048 |
| Noncurrent loans to loans | 0.9369% | 4,560 |
| Net loans and leases to total assets | 55.5148% | 4,523 |
| Net loans and leases to deposits | 68.0884% | 4,168 |
| Net loans and leases to core deposits | 74.2167% | 3,952 |
| Total domestic deposits to total assets | 81.5334% | 5,181 |
| Equity capital to assets | 9.9486% | 4,569 |
| Core capital (leverage) ratio | 9.2100% | 4,745 |
| Tier 1 risk-based capital ratio | 15.2292% | 3,689 |
| Total risk-based capital ratio | 16.1727% | 3,863 |
| Memoranda: | ||
| Average total assets | $1,115,160,750 | 592 |
| Average earning assets | $1,031,101,500 | 576 |
| Average equity | $106,596,750 | 669 |
| Average total loans | $613,651,000 | 675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 5,686 |
| Cost of funding earning assets | 0.8345% | 2,914 |
| Net interest margin | 3.1518% | 5,861 |
| Noninterest income to average assets | 1.0237% | 1,393 |
| Noninterest expense to average assets | 2.4349% | 5,344 |
| Loan and lease loss provision to assets | 0.0415% | 5,153 |
| Net operating income to assets | 1.4644% | 1,057 |
| Return on assets (ROA) | 1.5605% | 1,001 |
| Pretax return on assets | 1.5605% | 1,668 |
| Return on Equity (ROE) | 16.5524% | 693 |
| Retained earnings to average equity (ytd only) | 1.2915% | 5,548 |
| Net charge-offs to loans | 0.1181% | 3,994 |
| Credit loss provision to net charge-offs | 64.3454% | 3,702 |
| Earnings coverage of net charge-offs (x) | 23.3259% | 1,256 |
| Efficiency ratio | 61.7852% | 5,281 |
| Assets per employee ($millions) | 3.6822% | 4,556 |
| Cash dividends to net income (ytd only)* | 92.1978% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 6,326 |
| Loan loss allowance to noncurrent loans | 98.2203% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 5,156 |
| Noncurrent loans to loans | 0.9673% | 4,577 |
| Net loans and leases to total assets | 54.4829% | 4,711 |
| Net loans and leases to deposits | 67.5528% | 4,281 |
| Net loans and leases to core deposits | 74.1480% | 4,014 |
| Total domestic deposits to total assets | 80.6524% | 5,573 |
| Equity capital to assets | 9.5340% | 5,016 |
| Core capital (leverage) ratio | 8.7335% | 5,325 |
| Tier 1 risk-based capital ratio | 14.6878% | 3,973 |
| Total risk-based capital ratio | 15.5614% | 4,193 |
| Memoranda: | ||
| Average total assets | $1,112,091,000 | 594 |
| Average earning assets | $1,029,304,330 | 577 |
| Average equity | $104,842,670 | 676 |
| Average total loans | $607,998,670 | 679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 5,576 |
| Cost of funding earning assets | 0.8999% | 2,692 |
| Net interest margin | 3.1612% | 5,876 |
| Noninterest income to average assets | 1.0837% | 1,227 |
| Noninterest expense to average assets | 2.5347% | 5,043 |
| Loan and lease loss provision to assets | 0.1451% | 3,552 |
| Net operating income to assets | 1.3309% | 1,374 |
| Return on assets (ROA) | 1.4341% | 1,300 |
| Pretax return on assets | 1.4341% | 2,075 |
| Return on Equity (ROE) | 15.2990% | 921 |
| Retained earnings to average equity (ytd only) | -0.1001% | 6,003 |
| Net charge-offs to loans | 0.1602% | 3,131 |
| Credit loss provision to net charge-offs | 166.1157% | 1,540 |
| Earnings coverage of net charge-offs (x) | 16.9008% | 1,333 |
| Efficiency ratio | 63.1996% | 5,071 |
| Assets per employee ($millions) | 3.6671% | 4,726 |
| Cash dividends to net income (ytd only)* | 100.6543% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,177 |
| Loan loss allowance to noncurrent loans | 122.3196% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,228 |
| Noncurrent loans to loans | 0.8336% | 5,005 |
| Net loans and leases to total assets | 52.9226% | 4,894 |
| Net loans and leases to deposits | 64.5524% | 4,555 |
| Net loans and leases to core deposits | 70.1640% | 4,391 |
| Total domestic deposits to total assets | 81.9839% | 5,302 |
| Equity capital to assets | 9.2256% | 5,196 |
| Core capital (leverage) ratio | 8.8995% | 4,995 |
| Tier 1 risk-based capital ratio | 14.7849% | 3,901 |
| Total risk-based capital ratio | 15.7153% | 4,099 |
| Memoranda: | ||
| Average total assets | $1,108,437,500 | 598 |
| Average earning assets | $1,026,312,500 | 579 |
| Average equity | $103,902,500 | 678 |
| Average total loans | $604,132,500 | 685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 4,272 |
| Cost of funding earning assets | 1.0260% | 3,189 |
| Net interest margin | 3.6683% | 4,442 |
| Noninterest income to average assets | 0.8761% | 1,754 |
| Noninterest expense to average assets | 2.8628% | 4,117 |
| Loan and lease loss provision to assets | 0.0389% | 6,085 |
| Net operating income to assets | 1.3465% | 1,149 |
| Return on assets (ROA) | 1.6111% | 706 |
| Pretax return on assets | 1.6111% | 1,178 |
| Return on Equity (ROE) | 17.5107% | 424 |
| Retained earnings to average equity (ytd only) | 12.2163% | 287 |
| Net charge-offs to loans | 0.1710% | 4,789 |
| Credit loss provision to net charge-offs | 41.6493% | 5,601 |
| Earnings coverage of net charge-offs (x) | 14.8434% | 1,431 |
| Efficiency ratio | 67.3891% | 4,490 |
| Assets per employee ($millions) | 3.3779% | 5,306 |
| Cash dividends to net income (ytd only)* | 30.2352% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 6,285 |
| Loan loss allowance to noncurrent loans | 118.0024% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 5,227 |
| Noncurrent loans to loans | 0.8355% | 5,019 |
| Net loans and leases to total assets | 55.0234% | 4,872 |
| Net loans and leases to deposits | 64.3562% | 4,956 |
| Net loans and leases to core deposits | 70.7366% | 4,680 |
| Total domestic deposits to total assets | 85.4982% | 3,594 |
| Equity capital to assets | 9.5267% | 4,842 |
| Core capital (leverage) ratio | 9.0013% | 4,791 |
| Tier 1 risk-based capital ratio | 15.0551% | 3,605 |
| Total risk-based capital ratio | 15.9786% | 3,791 |
| Memoranda: | ||
| Average total assets | $1,026,425,600 | 641 |
| Average earning assets | $943,547,800 | 628 |
| Average equity | $94,439,400 | 727 |
| Average total loans | $560,270,600 | 751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 4,135 |
| Cost of funding earning assets | 1.0672% | 3,195 |
| Net interest margin | 3.7045% | 4,312 |
| Noninterest income to average assets | 0.8567% | 1,812 |
| Noninterest expense to average assets | 2.7453% | 4,551 |
| Loan and lease loss provision to assets | 0.0414% | 5,918 |
| Net operating income to assets | 1.4690% | 1,011 |
| Return on assets (ROA) | 1.7265% | 646 |
| Pretax return on assets | 1.7265% | 1,087 |
| Return on Equity (ROE) | 18.9459% | 391 |
| Retained earnings to average equity (ytd only) | 18.9459% | 95 |
| Net charge-offs to loans | 0.1596% | 4,501 |
| Credit loss provision to net charge-offs | 47.7930% | 5,080 |
| Earnings coverage of net charge-offs (x) | 17.4201% | 1,351 |
| Efficiency ratio | 64.5083% | 4,982 |
| Assets per employee ($millions) | 3.2657% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 6,073 |
| Loan loss allowance to noncurrent loans | 125.7154% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 5,033 |
| Noncurrent loans to loans | 0.8306% | 5,211 |
| Net loans and leases to total assets | 54.8010% | 5,028 |
| Net loans and leases to deposits | 65.1707% | 5,031 |
| Net loans and leases to core deposits | 72.0375% | 4,711 |
| Total domestic deposits to total assets | 84.0885% | 4,188 |
| Equity capital to assets | 9.4565% | 5,155 |
| Core capital (leverage) ratio | 8.7415% | 5,350 |
| Tier 1 risk-based capital ratio | 14.3238% | 4,109 |
| Total risk-based capital ratio | 15.2893% | 4,299 |
| Memoranda: | ||
| Average total assets | $1,010,265,000 | 658 |
| Average earning assets | $926,988,000 | 648 |
| Average equity | $92,063,500 | 741 |
| Average total loans | $548,758,000 | 774 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 4,133 |
| Cost of funding earning assets | 1.1018% | 3,223 |
| Net interest margin | 3.6882% | 4,319 |
| Noninterest income to average assets | 0.8889% | 1,678 |
| Noninterest expense to average assets | 2.6801% | 4,899 |
| Loan and lease loss provision to assets | -0.0083% | 7,363 |
| Net operating income to assets | 1.5978% | 739 |
| Return on assets (ROA) | 1.6546% | 702 |
| Pretax return on assets | 1.6546% | 1,149 |
| Return on Equity (ROE) | 18.4073% | 429 |
| Retained earnings to average equity (ytd only) | 18.4073% | 126 |
| Net charge-offs to loans | 0.1184% | 4,523 |
| Credit loss provision to net charge-offs | -12.9747% | 6,183 |
| Earnings coverage of net charge-offs (x) | 24.8987% | 1,052 |
| Efficiency ratio | 62.7709% | 5,440 |
| Assets per employee ($millions) | 3.1901% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,772 |
| Loan loss allowance to noncurrent loans | 117.5095% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 5,091 |
| Noncurrent loans to loans | 0.9750% | 5,034 |
| Net loans and leases to total assets | 52.2431% | 5,537 |
| Net loans and leases to deposits | 63.3320% | 5,354 |
| Net loans and leases to core deposits | 70.0330% | 5,072 |
| Total domestic deposits to total assets | 82.4908% | 4,991 |
| Equity capital to assets | 9.4461% | 4,899 |
| Core capital (leverage) ratio | 9.1875% | 4,432 |
| Tier 1 risk-based capital ratio | 15.4550% | 3,275 |
| Total risk-based capital ratio | 16.5069% | 3,328 |
| Memoranda: | ||
| Average total assets | $989,968,330 | 677 |
| Average earning assets | $907,427,670 | 668 |
| Average equity | $88,986,670 | 759 |
| Average total loans | $533,944,670 | 801 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 4,314 |
| Cost of funding earning assets | 1.1529% | 3,142 |
| Net interest margin | 3.5913% | 4,608 |
| Noninterest income to average assets | 0.9133% | 1,613 |
| Noninterest expense to average assets | 2.6807% | 4,912 |
| Loan and lease loss provision to assets | 0.0345% | 5,546 |
| Net operating income to assets | 1.4854% | 896 |
| Return on assets (ROA) | 1.4965% | 926 |
| Pretax return on assets | 1.4965% | 1,459 |
| Return on Equity (ROE) | 17.1043% | 555 |
| Retained earnings to average equity (ytd only) | 17.1043% | 273 |
| Net charge-offs to loans | 0.1544% | 3,565 |
| Credit loss provision to net charge-offs | 40.9756% | 3,925 |
| Earnings coverage of net charge-offs (x) | 18.0634% | 1,199 |
| Efficiency ratio | 63.8167% | 5,392 |
| Assets per employee ($millions) | 3.1146% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 5,585 |
| Loan loss allowance to noncurrent loans | 129.2246% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 5,130 |
| Noncurrent loans to loans | 0.9361% | 5,162 |
| Net loans and leases to total assets | 53.5780% | 5,370 |
| Net loans and leases to deposits | 64.5541% | 5,178 |
| Net loans and leases to core deposits | 71.7887% | 4,818 |
| Total domestic deposits to total assets | 82.9971% | 4,933 |
| Equity capital to assets | 8.9343% | 5,303 |
| Core capital (leverage) ratio | 8.8790% | 4,808 |
| Tier 1 risk-based capital ratio | 14.7747% | 3,560 |
| Total risk-based capital ratio | 15.8737% | 3,619 |
| Memoranda: | ||
| Average total assets | $974,532,000 | 692 |
| Average earning assets | $892,041,500 | 680 |
| Average equity | $85,265,000 | 781 |
| Average total loans | $531,167,000 | 813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9698% | 4,695 |
| Cost of funding earning assets | 1.4206% | 3,134 |
| Net interest margin | 3.5492% | 5,040 |
| Noninterest income to average assets | 0.9901% | 1,538 |
| Noninterest expense to average assets | 2.6830% | 5,064 |
| Loan and lease loss provision to assets | 0.1357% | 5,814 |
| Net operating income to assets | 1.5319% | 712 |
| Return on assets (ROA) | 1.7613% | 497 |
| Pretax return on assets | 1.6528% | 1,031 |
| Return on Equity (ROE) | 21.0263% | 200 |
| Retained earnings to average equity (ytd only) | 21.0263% | 47 |
| Net charge-offs to loans | 0.1718% | 5,292 |
| Credit loss provision to net charge-offs | 138.7347% | 2,746 |
| Earnings coverage of net charge-offs (x) | 15.9445% | 1,249 |
| Efficiency ratio | 63.2480% | 5,471 |
| Assets per employee ($millions) | 3.1124% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 5,372 |
| Loan loss allowance to noncurrent loans | 117.6778% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 5,184 |
| Noncurrent loans to loans | 1.0443% | 4,978 |
| Net loans and leases to total assets | 54.1044% | 5,617 |
| Net loans and leases to deposits | 67.1109% | 5,230 |
| Net loans and leases to core deposits | 74.1861% | 4,957 |
| Total domestic deposits to total assets | 80.6194% | 5,655 |
| Equity capital to assets | 8.5630% | 5,770 |
| Core capital (leverage) ratio | 8.6504% | 5,103 |
| Tier 1 risk-based capital ratio | 14.3927% | 3,620 |
| Total risk-based capital ratio | 15.5317% | 3,645 |
| Memoranda: | ||
| Average total assets | $921,457,000 | 729 |
| Average earning assets | $844,303,000 | 723 |
| Average equity | $77,189,000 | 855 |
| Average total loans | $524,415,400 | 857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 4,741 |
| Cost of funding earning assets | 1.4759% | 3,115 |
| Net interest margin | 3.5388% | 5,146 |
| Noninterest income to average assets | 0.8915% | 1,826 |
| Noninterest expense to average assets | 2.5413% | 5,559 |
| Loan and lease loss provision to assets | 0.1540% | 5,500 |
| Net operating income to assets | 1.4363% | 1,046 |
| Return on assets (ROA) | 1.7229% | 647 |
| Pretax return on assets | 1.7229% | 1,069 |
| Return on Equity (ROE) | 20.6905% | 275 |
| Retained earnings to average equity (ytd only) | 20.6905% | 72 |
| Net charge-offs to loans | 0.1610% | 5,033 |
| Credit loss provision to net charge-offs | 166.4025% | 2,244 |
| Earnings coverage of net charge-offs (x) | 17.1839% | 1,340 |
| Efficiency ratio | 61.5087% | 5,700 |
| Assets per employee ($millions) | 3.2807% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 5,286 |
| Loan loss allowance to noncurrent loans | 117.5623% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 5,263 |
| Noncurrent loans to loans | 1.0551% | 5,132 |
| Net loans and leases to total assets | 55.6739% | 5,599 |
| Net loans and leases to deposits | 70.8867% | 5,018 |
| Net loans and leases to core deposits | 77.9488% | 4,810 |
| Total domestic deposits to total assets | 78.5393% | 6,135 |
| Equity capital to assets | 8.7660% | 5,910 |
| Core capital (leverage) ratio | 8.5517% | 5,418 |
| Tier 1 risk-based capital ratio | 13.5736% | 4,142 |
| Total risk-based capital ratio | 14.7138% | 4,180 |
| Memoranda: | ||
| Average total assets | $909,050,250 | 742 |
| Average earning assets | $832,350,250 | 725 |
| Average equity | $75,697,750 | 872 |
| Average total loans | $522,535,250 | 862 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 5,045 |
| Cost of funding earning assets | 1.5457% | 2,983 |
| Net interest margin | 3.4308% | 5,515 |
| Noninterest income to average assets | 0.8995% | 1,690 |
| Noninterest expense to average assets | 2.5401% | 5,567 |
| Loan and lease loss provision to assets | 0.0780% | 6,162 |
| Net operating income to assets | 1.4201% | 1,055 |
| Return on assets (ROA) | 1.5398% | 887 |
| Pretax return on assets | 1.5398% | 1,456 |
| Return on Equity (ROE) | 18.8402% | 402 |
| Retained earnings to average equity (ytd only) | 18.8402% | 109 |
| Net charge-offs to loans | 0.1483% | 4,747 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 17.4545% | 1,340 |
| Efficiency ratio | 62.9016% | 5,539 |
| Assets per employee ($millions) | 3.1884% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,670 |
| Loan loss allowance to noncurrent loans | 94.6615% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 5,157 |
| Noncurrent loans to loans | 1.2187% | 4,928 |
| Net loans and leases to total assets | 57.6137% | 5,472 |
| Net loans and leases to deposits | 73.3425% | 4,788 |
| Net loans and leases to core deposits | 80.3432% | 4,649 |
| Total domestic deposits to total assets | 78.5544% | 6,141 |
| Equity capital to assets | 8.5916% | 6,031 |
| Core capital (leverage) ratio | 8.2401% | 5,874 |
| Tier 1 risk-based capital ratio | 12.7643% | 4,636 |
| Total risk-based capital ratio | 13.8283% | 4,766 |
| Memoranda: | ||
| Average total assets | $897,119,670 | 748 |
| Average earning assets | $820,730,000 | 740 |
| Average equity | $73,322,000 | 902 |
| Average total loans | $519,168,000 | 878 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 4,274 |
| Cost of funding earning assets | 1.6116% | 2,888 |
| Net interest margin | 3.5432% | 4,979 |
| Noninterest income to average assets | 0.8116% | 1,965 |
| Noninterest expense to average assets | 2.5280% | 5,624 |
| Loan and lease loss provision to assets | 0.0450% | 6,221 |
| Net operating income to assets | 1.4745% | 934 |
| Return on assets (ROA) | 1.5133% | 940 |
| Pretax return on assets | 1.5133% | 1,482 |
| Return on Equity (ROE) | 19.0170% | 438 |
| Retained earnings to average equity (ytd only) | 19.0170% | 213 |
| Net charge-offs to loans | 0.1594% | 3,968 |
| Credit loss provision to net charge-offs | 49.0196% | 4,505 |
| Earnings coverage of net charge-offs (x) | 16.5392% | 1,326 |
| Efficiency ratio | 62.4569% | 5,743 |
| Assets per employee ($millions) | 3.1898% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,590 |
| Loan loss allowance to noncurrent loans | 110.5177% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 5,416 |
| Noncurrent loans to loans | 1.0694% | 5,207 |
| Net loans and leases to total assets | 57.1623% | 5,578 |
| Net loans and leases to deposits | 69.6235% | 5,399 |
| Net loans and leases to core deposits | 76.6920% | 5,170 |
| Total domestic deposits to total assets | 82.1020% | 5,033 |
| Equity capital to assets | 8.1684% | 6,475 |
| Core capital (leverage) ratio | 7.5571% | 6,788 |
| Tier 1 risk-based capital ratio | 12.0573% | 5,143 |
| Total risk-based capital ratio | 13.1479% | 5,251 |
| Memoranda: | ||
| Average total assets | $888,143,500 | 780 |
| Average earning assets | $811,131,000 | 771 |
| Average equity | $70,673,500 | 935 |
| Average total loans | $512,072,000 | 914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 2,932 |
| Cost of funding earning assets | 1.8848% | 3,538 |
| Net interest margin | 3.8508% | 3,480 |
| Noninterest income to average assets | 0.8436% | 2,210 |
| Noninterest expense to average assets | 2.8268% | 4,851 |
| Loan and lease loss provision to assets | 0.1662% | 6,025 |
| Net operating income to assets | 1.3625% | 917 |
| Return on assets (ROA) | 1.6678% | 505 |
| Pretax return on assets | 1.6678% | 840 |
| Return on Equity (ROE) | 21.2095% | 190 |
| Retained earnings to average equity (ytd only) | 17.1752% | 60 |
| Net charge-offs to loans | 0.0995% | 6,140 |
| Credit loss provision to net charge-offs | 276.3713% | 1,240 |
| Earnings coverage of net charge-offs (x) | 25.4156% | 877 |
| Efficiency ratio | 64.9021% | 5,600 |
| Assets per employee ($millions) | 3.2706% | 5,560 |
| Cash dividends to net income (ytd only)* | 19.0215% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 5,267 |
| Loan loss allowance to noncurrent loans | 132.9038% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 5,384 |
| Noncurrent loans to loans | 0.9141% | 5,483 |
| Net loans and leases to total assets | 56.7680% | 5,859 |
| Net loans and leases to deposits | 69.5567% | 5,664 |
| Net loans and leases to core deposits | 90.8881% | 5,036 |
| Total domestic deposits to total assets | 81.6140% | 5,102 |
| Equity capital to assets | 7.7456% | 6,818 |
| Core capital (leverage) ratio | 7.4220% | 6,862 |
| Tier 1 risk-based capital ratio | 11.3724% | 5,542 |
| Total risk-based capital ratio | 12.4736% | 5,645 |
| Memoranda: | ||
| Average total assets | $788,052,200 | 869 |
| Average earning assets | $718,711,600 | 870 |
| Average equity | $61,967,400 | 1,067 |
| Average total loans | $476,352,200 | 1,009 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8080% | 2,853 |
| Cost of funding earning assets | 1.9346% | 3,688 |
| Net interest margin | 3.8734% | 3,330 |
| Noninterest income to average assets | 0.9774% | 1,678 |
| Noninterest expense to average assets | 2.8020% | 4,891 |
| Loan and lease loss provision to assets | 0.1415% | 5,944 |
| Net operating income to assets | 1.5654% | 711 |
| Return on assets (ROA) | 1.7904% | 484 |
| Pretax return on assets | 1.7904% | 815 |
| Return on Equity (ROE) | 22.6698% | 181 |
| Retained earnings to average equity (ytd only) | 17.1417% | 103 |
| Net charge-offs to loans | 0.1168% | 5,523 |
| Credit loss provision to net charge-offs | 197.5610% | 2,271 |
| Earnings coverage of net charge-offs (x) | 23.8391% | 1,106 |
| Efficiency ratio | 62.1442% | 6,078 |
| Assets per employee ($millions) | 3.0409% | 6,055 |
| Cash dividends to net income (ytd only)* | 24.3855% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 5,371 |
| Loan loss allowance to noncurrent loans | 132.5040% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 5,236 |
| Noncurrent loans to loans | 0.8737% | 5,542 |
| Net loans and leases to total assets | 60.0353% | 5,575 |
| Net loans and leases to deposits | 74.1287% | 5,348 |
| Net loans and leases to core deposits | 98.2894% | 4,571 |
| Total domestic deposits to total assets | 80.9880% | 5,084 |
| Equity capital to assets | 8.0215% | 6,831 |
| Core capital (leverage) ratio | 7.7073% | 6,722 |
| Tier 1 risk-based capital ratio | 11.6764% | 5,264 |
| Total risk-based capital ratio | 12.7772% | 5,358 |
| Memoranda: | ||
| Average total assets | $763,479,250 | 911 |
| Average earning assets | $696,081,000 | 906 |
| Average equity | $60,296,000 | 1,113 |
| Average total loans | $468,103,250 | 1,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8488% | 2,813 |
| Cost of funding earning assets | 1.9721% | 3,904 |
| Net interest margin | 3.8767% | 3,223 |
| Noninterest income to average assets | 0.9889% | 1,637 |
| Noninterest expense to average assets | 2.8257% | 4,848 |
| Loan and lease loss provision to assets | 0.1100% | 6,051 |
| Net operating income to assets | 1.5827% | 703 |
| Return on assets (ROA) | 1.8615% | 436 |
| Pretax return on assets | 1.8615% | 754 |
| Return on Equity (ROE) | 23.7072% | 167 |
| Retained earnings to average equity (ytd only) | 15.1634% | 199 |
| Net charge-offs to loans | 0.1051% | 5,111 |
| Credit loss provision to net charge-offs | 170.1245% | 2,707 |
| Earnings coverage of net charge-offs (x) | 26.1743% | 1,092 |
| Efficiency ratio | 62.5371% | 6,162 |
| Assets per employee ($millions) | 2.8648% | 6,481 |
| Cash dividends to net income (ytd only)* | 36.0386% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,238 |
| Loan loss allowance to noncurrent loans | 167.7096% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 5,689 |
| Noncurrent loans to loans | 0.6887% | 5,871 |
| Net loans and leases to total assets | 61.3069% | 5,473 |
| Net loans and leases to deposits | 76.8988% | 5,038 |
| Net loans and leases to core deposits | 99.4592% | 4,560 |
| Total domestic deposits to total assets | 79.7241% | 5,555 |
| Equity capital to assets | 7.8523% | 6,909 |
| Core capital (leverage) ratio | 7.6016% | 6,899 |
| Tier 1 risk-based capital ratio | 11.6688% | 5,226 |
| Total risk-based capital ratio | 12.7853% | 5,276 |
| Memoranda: | ||
| Average total assets | $745,302,330 | 942 |
| Average earning assets | $678,566,670 | 939 |
| Average equity | $58,522,330 | 1,156 |
| Average total loans | $458,522,000 | 1,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 2,869 |
| Cost of funding earning assets | 1.9935% | 4,162 |
| Net interest margin | 3.8921% | 3,069 |
| Noninterest income to average assets | 0.9369% | 1,705 |
| Noninterest expense to average assets | 2.7763% | 4,671 |
| Loan and lease loss provision to assets | 0.0546% | 6,282 |
| Net operating income to assets | 1.6439% | 730 |
| Return on assets (ROA) | 2.0905% | 338 |
| Pretax return on assets | 2.0905% | 550 |
| Return on Equity (ROE) | 26.6240% | 154 |
| Retained earnings to average equity (ytd only) | 16.1941% | 324 |
| Net charge-offs to loans | 0.0383% | 4,970 |
| Credit loss provision to net charge-offs | 232.5581% | 1,977 |
| Earnings coverage of net charge-offs (x) | 72.3488% | 559 |
| Efficiency ratio | 62.0425% | 6,040 |
| Assets per employee ($millions) | 3.0346% | 6,060 |
| Cash dividends to net income (ytd only)* | 39.1747% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 4,933 |
| Loan loss allowance to noncurrent loans | 134.1851% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 5,266 |
| Noncurrent loans to loans | 0.8789% | 5,255 |
| Net loans and leases to total assets | 59.7417% | 5,700 |
| Net loans and leases to deposits | 75.8249% | 5,251 |
| Net loans and leases to core deposits | 97.7094% | 4,771 |
| Total domestic deposits to total assets | 78.7890% | 5,794 |
| Equity capital to assets | 7.7357% | 7,142 |
| Core capital (leverage) ratio | 7.6511% | 6,948 |
| Tier 1 risk-based capital ratio | 11.5972% | 5,311 |
| Total risk-based capital ratio | 12.7256% | 5,335 |
| Memoranda: | ||
| Average total assets | $732,635,500 | 953 |
| Average earning assets | $665,958,000 | 958 |
| Average equity | $57,527,000 | 1,181 |
| Average total loans | $448,796,000 | 1,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5626% | 2,656 |
| Cost of funding earning assets | 2.5149% | 4,123 |
| Net interest margin | 4.0477% | 2,918 |
| Noninterest income to average assets | 1.1415% | 1,188 |
| Noninterest expense to average assets | 2.9040% | 4,440 |
| Loan and lease loss provision to assets | 0.1856% | 5,036 |
| Net operating income to assets | 1.7242% | 644 |
| Return on assets (ROA) | 1.7242% | 617 |
| Pretax return on assets | 1.7242% | 1,093 |
| Return on Equity (ROE) | 22.7803% | 225 |
| Retained earnings to average equity (ytd only) | 19.7154% | 34 |
| Net charge-offs to loans | 0.1040% | 5,268 |
| Credit loss provision to net charge-offs | 270.8804% | 1,699 |
| Earnings coverage of net charge-offs (x) | 27.8758% | 1,228 |
| Efficiency ratio | 60.3270% | 6,284 |
| Assets per employee ($millions) | 2.8265% | 6,497 |
| Cash dividends to net income (ytd only)* | 13.4541% | 4,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 4,391 |
| Loan loss allowance to noncurrent loans | 132.0829% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 4,845 |
| Noncurrent loans to loans | 0.9231% | 4,777 |
| Net loans and leases to total assets | 61.3626% | 5,717 |
| Net loans and leases to deposits | 77.8010% | 5,368 |
| Net loans and leases to core deposits | 97.0327% | 5,147 |
| Total domestic deposits to total assets | 78.8712% | 5,418 |
| Equity capital to assets | 7.9770% | 6,880 |
| Core capital (leverage) ratio | 7.7893% | 6,817 |
| Tier 1 risk-based capital ratio | 11.8713% | 4,923 |
| Total risk-based capital ratio | 13.0642% | 4,878 |
| Memoranda: | ||
| Average total assets | $646,626,000 | 1,037 |
| Average earning assets | $586,659,200 | 1,053 |
| Average equity | $48,941,400 | 1,394 |
| Average total loans | $426,106,000 | 1,125 |