Home > Gulf Coast Bank and Trust Company > Performance and Condition Ratios
Gulf Coast Bank and Trust Company, 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 | 9.2086% | 85 |
| Cost of funding earning assets | 1.8218% | 1,213 |
| Net interest margin | 7.3868% | 46 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 6.0853% | 175 |
| Loan and lease loss provision to assets | 0.8600% | 83 |
| Net operating income to assets | 0.8677% | 2,643 |
| Return on assets (ROA) | 0.8526% | 2,671 |
| Pretax return on assets | 1.1264% | 2,327 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.8069% | 1,304 |
| Net charge-offs to loans | 0.8126% | 123 |
| Credit loss provision to net charge-offs | 149.9601% | 1,477 |
| Earnings coverage of net charge-offs (x) | 3.5017% | 2,636 |
| Efficiency ratio | 72.6571% | 1,597 |
| Assets per employee ($millions) | 3.7228% | 4,238 |
| Cash dividends to net income (ytd only)* | 17.5063% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 601 |
| Loan loss allowance to noncurrent loans | 87.1688% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 274 |
| Noncurrent loans to loans | 2.0003% | 279 |
| Net loans and leases to total assets | 69.2200% | 1,897 |
| Net loans and leases to deposits | 81.7231% | 1,971 |
| Net loans and leases to core deposits | 90.0205% | 2,048 |
| Total domestic deposits to total assets | 84.7000% | 2,408 |
| Equity capital to assets | 8.3292% | 3,171 |
| Core capital (leverage) ratio | 9.3808% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9265% | 1,888 |
| Memoranda: | ||
| Average total assets | $3,068,436,600 | 389 |
| Average earning assets | $2,896,639,000 | 369 |
| Average equity | $245,059,000 | 458 |
| Average total loans | $2,160,445,400 | 382 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0914% | 83 |
| Cost of funding earning assets | 1.6925% | 1,203 |
| Net interest margin | 7.3989% | 43 |
| Noninterest income to average assets | 1.1400% | 533 |
| Noninterest expense to average assets | 6.1532% | 174 |
| Loan and lease loss provision to assets | 0.5900% | 128 |
| Net operating income to assets | 1.0655% | 2,165 |
| Return on assets (ROA) | 1.0650% | 2,158 |
| Pretax return on assets | 1.3773% | 1,829 |
| Return on Equity (ROE) | 13.4800% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.5841% | 1,055 |
| Net charge-offs to loans | 0.2066% | 429 |
| Credit loss provision to net charge-offs | 407.2351% | 715 |
| Earnings coverage of net charge-offs (x) | 13.5440% | 2,031 |
| Efficiency ratio | 73.0624% | 1,447 |
| Assets per employee ($millions) | 3.5910% | 4,297 |
| Cash dividends to net income (ytd only)* | 14.0865% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 560 |
| Loan loss allowance to noncurrent loans | 76.5415% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.7473% | 182 |
| Noncurrent loans to loans | 2.3635% | 213 |
| Net loans and leases to total assets | 71.4100% | 1,645 |
| Net loans and leases to deposits | 84.9738% | 1,652 |
| Net loans and leases to core deposits | 91.5879% | 1,827 |
| Total domestic deposits to total assets | 84.0300% | 2,764 |
| Equity capital to assets | 8.2199% | 2,906 |
| Core capital (leverage) ratio | 9.4114% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7921% | 1,975 |
| Memoranda: | ||
| Average total assets | $3,052,833,000 | 395 |
| Average earning assets | $2,881,407,500 | 374 |
| Average equity | $241,129,750 | 460 |
| Average total loans | $2,149,162,250 | 381 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7867% | 83 |
| Cost of funding earning assets | 1.5767% | 1,116 |
| Net interest margin | 7.2100% | 45 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 6.1117% | 171 |
| Loan and lease loss provision to assets | 0.5500% | 130 |
| Net operating income to assets | 0.9778% | 2,489 |
| Return on assets (ROA) | 0.9973% | 2,422 |
| Pretax return on assets | 1.2723% | 2,153 |
| Return on Equity (ROE) | 12.8000% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.8774% | 1,212 |
| Net charge-offs to loans | 0.3299% | 252 |
| Credit loss provision to net charge-offs | 239.6812% | 976 |
| Earnings coverage of net charge-offs (x) | 7.8281% | 2,070 |
| Efficiency ratio | 74.2339% | 1,322 |
| Assets per employee ($millions) | 3.6094% | 4,317 |
| Cash dividends to net income (ytd only)* | 15.0125% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 937 |
| Loan loss allowance to noncurrent loans | 99.2597% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 363 |
| Noncurrent loans to loans | 1.6090% | 407 |
| Net loans and leases to total assets | 69.9700% | 1,742 |
| Net loans and leases to deposits | 82.0348% | 1,823 |
| Net loans and leases to core deposits | 87.5366% | 1,962 |
| Total domestic deposits to total assets | 85.2900% | 2,463 |
| Equity capital to assets | 7.9349% | 3,255 |
| Core capital (leverage) ratio | 9.1584% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6374% | 2,044 |
| Memoranda: | ||
| Average total assets | $3,058,974,333 | 383 |
| Average earning assets | $2,891,681,667 | 363 |
| Average equity | $238,365,000 | 458 |
| Average total loans | $2,129,975,333 | 373 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4842% | 46 |
| Cost of funding earning assets | 1.4362% | 963 |
| Net interest margin | 7.0481% | 48 |
| Noninterest income to average assets | 1.0600% | 531 |
| Noninterest expense to average assets | 6.0149% | 179 |
| Loan and lease loss provision to assets | 0.6600% | 106 |
| Net operating income to assets | 0.8384% | 3,057 |
| Return on assets (ROA) | 0.8569% | 2,945 |
| Pretax return on assets | 1.0723% | 2,792 |
| Return on Equity (ROE) | 11.1000% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.1632% | 1,894 |
| Net charge-offs to loans | 0.3258% | 244 |
| Credit loss provision to net charge-offs | 292.6744% | 703 |
| Earnings coverage of net charge-offs (x) | 7.6006% | 1,749 |
| Efficiency ratio | 74.7106% | 1,275 |
| Assets per employee ($millions) | 3.6179% | 4,382 |
| Cash dividends to net income (ytd only)* | 17.4357% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 1,074 |
| Loan loss allowance to noncurrent loans | 99.2511% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 362 |
| Noncurrent loans to loans | 1.5812% | 409 |
| Net loans and leases to total assets | 67.6300% | 1,879 |
| Net loans and leases to deposits | 79.9968% | 1,816 |
| Net loans and leases to core deposits | 84.7796% | 1,940 |
| Total domestic deposits to total assets | 84.5300% | 2,967 |
| Equity capital to assets | 7.7602% | 3,405 |
| Core capital (leverage) ratio | 8.8052% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3441% | 2,246 |
| Memoranda: | ||
| Average total assets | $3,065,296,000 | 394 |
| Average earning assets | $2,897,983,500 | 376 |
| Average equity | $236,686,500 | 471 |
| Average total loans | $2,111,900,500 | 385 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7821% | 30 |
| Cost of funding earning assets | 0.7138% | 549 |
| Net interest margin | 7.0683% | 30 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 5.7542% | 177 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.7157% | 526 |
| Return on assets (ROA) | 1.7352% | 480 |
| Pretax return on assets | 2.2293% | 301 |
| Return on Equity (ROE) | 22.2700% | 324 |
| Retained earnings to average equity (ytd only) | 20.2707% | 87 |
| Net charge-offs to loans | 0.1301% | 608 |
| Credit loss provision to net charge-offs | 109.5442% | 1,509 |
| Earnings coverage of net charge-offs (x) | 26.4114% | 1,757 |
| Efficiency ratio | 69.6664% | 1,729 |
| Assets per employee ($millions) | 3.7211% | 4,375 |
| Cash dividends to net income (ytd only)* | 8.9587% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,759 |
| Loan loss allowance to noncurrent loans | 101.5152% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 616 |
| Noncurrent loans to loans | 1.1078% | 650 |
| Net loans and leases to total assets | 68.3100% | 1,801 |
| Net loans and leases to deposits | 80.6098% | 1,727 |
| Net loans and leases to core deposits | 83.7571% | 1,887 |
| Total domestic deposits to total assets | 84.7500% | 3,051 |
| Equity capital to assets | 7.6829% | 3,268 |
| Core capital (leverage) ratio | 8.6860% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9185% | 2,408 |
| Memoranda: | ||
| Average total assets | $2,947,603,400 | 399 |
| Average earning assets | $2,782,461,600 | 385 |
| Average equity | $229,711,400 | 474 |
| Average total loans | $1,973,104,600 | 380 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4894% | 29 |
| Cost of funding earning assets | 0.5689% | 521 |
| Net interest margin | 6.9205% | 31 |
| Noninterest income to average assets | 1.4600% | 370 |
| Noninterest expense to average assets | 5.6539% | 180 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.7178% | 509 |
| Return on assets (ROA) | 1.7230% | 493 |
| Pretax return on assets | 2.2186% | 310 |
| Return on Equity (ROE) | 22.0300% | 290 |
| Retained earnings to average equity (ytd only) | 20.0198% | 106 |
| Net charge-offs to loans | 0.1824% | 367 |
| Credit loss provision to net charge-offs | 100.8308% | 1,317 |
| Earnings coverage of net charge-offs (x) | 19.2847% | 1,728 |
| Efficiency ratio | 69.2831% | 1,850 |
| Assets per employee ($millions) | 3.8635% | 4,378 |
| Cash dividends to net income (ytd only)* | 9.1124% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 2,979 |
| Loan loss allowance to noncurrent loans | 132.7397% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 911 |
| Noncurrent loans to loans | 0.8340% | 942 |
| Net loans and leases to total assets | 68.7200% | 1,591 |
| Net loans and leases to deposits | 79.7477% | 1,590 |
| Net loans and leases to core deposits | 81.7117% | 1,783 |
| Total domestic deposits to total assets | 86.1800% | 3,025 |
| Equity capital to assets | 7.2667% | 3,363 |
| Core capital (leverage) ratio | 8.1619% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6868% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,917,036,000 | 401 |
| Average earning assets | $2,751,332,000 | 390 |
| Average equity | $228,175,250 | 473 |
| Average total loans | $1,936,135,250 | 383 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0120% | 36 |
| Cost of funding earning assets | 0.3080% | 1,651 |
| Net interest margin | 6.7040% | 33 |
| Noninterest income to average assets | 1.6352% | 298 |
| Noninterest expense to average assets | 5.5624% | 144 |
| Loan and lease loss provision to assets | 0.1885% | 463 |
| Net operating income to assets | 1.7350% | 391 |
| Return on assets (ROA) | 1.7589% | 364 |
| Pretax return on assets | 2.2578% | 224 |
| Return on Equity (ROE) | 21.9297% | 196 |
| Retained earnings to average equity (ytd only) | 19.9370% | 75 |
| Net charge-offs to loans | 0.1801% | 357 |
| Credit loss provision to net charge-offs | 160.3919% | 1,065 |
| Earnings coverage of net charge-offs (x) | 20.5564% | 1,544 |
| Efficiency ratio | 68.7997% | 2,129 |
| Assets per employee ($millions) | 4.1590% | 4,286 |
| Cash dividends to net income (ytd only)* | 9.0869% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,343 |
| Loan loss allowance to noncurrent loans | 144.1965% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 962 |
| Noncurrent loans to loans | 0.8791% | 962 |
| Net loans and leases to total assets | 65.4981% | 1,757 |
| Net loans and leases to deposits | 71.9153% | 2,035 |
| Net loans and leases to core deposits | 73.6440% | 2,200 |
| Total domestic deposits to total assets | 91.0768% | 1,193 |
| Equity capital to assets | 7.6772% | 3,360 |
| Core capital (leverage) ratio | 8.4972% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0367% | 2,810 |
| Memoranda: | ||
| Average total assets | $2,865,540,667 | 400 |
| Average earning assets | $2,711,385,333 | 392 |
| Average equity | $229,834,333 | 473 |
| Average total loans | $1,870,011,667 | 387 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7733% | 42 |
| Cost of funding earning assets | 0.2882% | 1,751 |
| Net interest margin | 6.4850% | 38 |
| Noninterest income to average assets | 1.6994% | 299 |
| Noninterest expense to average assets | 5.5028% | 148 |
| Loan and lease loss provision to assets | 0.0097% | 2,148 |
| Net operating income to assets | 1.8229% | 315 |
| Return on assets (ROA) | 1.7809% | 340 |
| Pretax return on assets | 2.2843% | 233 |
| Return on Equity (ROE) | 21.7231% | 170 |
| Retained earnings to average equity (ytd only) | 19.7520% | 100 |
| Net charge-offs to loans | 0.1012% | 512 |
| Credit loss provision to net charge-offs | 14.8707% | 1,306 |
| Earnings coverage of net charge-offs (x) | 35.8448% | 1,057 |
| Efficiency ratio | 69.0943% | 2,359 |
| Assets per employee ($millions) | 3.9087% | 4,437 |
| Cash dividends to net income (ytd only)* | 9.0736% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,560 |
| Loan loss allowance to noncurrent loans | 151.2971% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 1,110 |
| Noncurrent loans to loans | 0.8314% | 1,128 |
| Net loans and leases to total assets | 64.0342% | 1,613 |
| Net loans and leases to deposits | 70.6466% | 1,898 |
| Net loans and leases to core deposits | 72.3912% | 2,078 |
| Total domestic deposits to total assets | 90.6402% | 1,219 |
| Equity capital to assets | 8.0857% | 3,502 |
| Core capital (leverage) ratio | 8.4031% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9240% | 2,907 |
| Memoranda: | ||
| Average total assets | $2,834,358,500 | 410 |
| Average earning assets | $2,688,161,500 | 399 |
| Average equity | $232,361,000 | 481 |
| Average total loans | $1,833,844,500 | 392 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1704% | 38 |
| Cost of funding earning assets | 0.3956% | 1,574 |
| Net interest margin | 6.7749% | 35 |
| Noninterest income to average assets | 2.1420% | 279 |
| Noninterest expense to average assets | 5.8253% | 132 |
| Loan and lease loss provision to assets | 0.3210% | 239 |
| Net operating income to assets | 1.8905% | 419 |
| Return on assets (ROA) | 1.9003% | 434 |
| Pretax return on assets | 2.4181% | 289 |
| Return on Equity (ROE) | 22.8036% | 184 |
| Retained earnings to average equity (ytd only) | 20.6492% | 54 |
| Net charge-offs to loans | 0.7595% | 96 |
| Credit loss provision to net charge-offs | 58.3149% | 2,077 |
| Earnings coverage of net charge-offs (x) | 4.9532% | 2,472 |
| Efficiency ratio | 67.2735% | 2,086 |
| Assets per employee ($millions) | 3.9320% | 4,446 |
| Cash dividends to net income (ytd only)* | 9.4475% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,379 |
| Loan loss allowance to noncurrent loans | 147.7932% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 1,122 |
| Noncurrent loans to loans | 0.8765% | 1,158 |
| Net loans and leases to total assets | 63.7137% | 1,739 |
| Net loans and leases to deposits | 70.4668% | 2,079 |
| Net loans and leases to core deposits | 72.2261% | 2,241 |
| Total domestic deposits to total assets | 90.4167% | 758 |
| Equity capital to assets | 8.3112% | 4,172 |
| Core capital (leverage) ratio | 8.2953% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2321% | 2,830 |
| Memoranda: | ||
| Average total assets | $2,550,596,800 | 428 |
| Average earning assets | $2,413,257,400 | 417 |
| Average equity | $212,545,600 | 512 |
| Average total loans | $1,848,660,400 | 386 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1059% | 40 |
| Cost of funding earning assets | 0.4248% | 1,523 |
| Net interest margin | 6.6811% | 38 |
| Noninterest income to average assets | 2.2012% | 295 |
| Noninterest expense to average assets | 5.7909% | 130 |
| Loan and lease loss provision to assets | 0.2576% | 350 |
| Net operating income to assets | 1.9345% | 524 |
| Return on assets (ROA) | 1.9525% | 529 |
| Pretax return on assets | 2.4919% | 338 |
| Return on Equity (ROE) | 23.4133% | 236 |
| Retained earnings to average equity (ytd only) | 21.4883% | 91 |
| Net charge-offs to loans | 0.8206% | 84 |
| Credit loss provision to net charge-offs | 42.0039% | 1,906 |
| Earnings coverage of net charge-offs (x) | 4.4463% | 2,267 |
| Efficiency ratio | 67.1425% | 1,949 |
| Assets per employee ($millions) | 3.7598% | 4,559 |
| Cash dividends to net income (ytd only)* | 8.2219% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,866 |
| Loan loss allowance to noncurrent loans | 100.9058% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 781 |
| Noncurrent loans to loans | 1.2153% | 913 |
| Net loans and leases to total assets | 69.4930% | 1,131 |
| Net loans and leases to deposits | 77.3069% | 1,546 |
| Net loans and leases to core deposits | 79.5054% | 1,781 |
| Total domestic deposits to total assets | 89.8925% | 816 |
| Equity capital to assets | 8.4685% | 4,235 |
| Core capital (leverage) ratio | 8.1948% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9563% | 2,977 |
| Memoranda: | ||
| Average total assets | $2,482,457,500 | 442 |
| Average earning assets | $2,346,961,000 | 430 |
| Average equity | $207,022,250 | 524 |
| Average total loans | $1,855,239,750 | 389 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9139% | 45 |
| Cost of funding earning assets | 0.4363% | 1,607 |
| Net interest margin | 6.4776% | 47 |
| Noninterest income to average assets | 2.3406% | 269 |
| Noninterest expense to average assets | 5.8206% | 131 |
| Loan and lease loss provision to assets | 0.3889% | 168 |
| Net operating income to assets | 1.7751% | 759 |
| Return on assets (ROA) | 1.7960% | 760 |
| Pretax return on assets | 2.2905% | 486 |
| Return on Equity (ROE) | 21.6580% | 344 |
| Retained earnings to average equity (ytd only) | 19.6789% | 166 |
| Net charge-offs to loans | 1.3368% | 52 |
| Credit loss provision to net charge-offs | 38.1187% | 1,668 |
| Earnings coverage of net charge-offs (x) | 2.6001% | 2,116 |
| Efficiency ratio | 68.0389% | 1,878 |
| Assets per employee ($millions) | 3.7593% | 4,577 |
| Cash dividends to net income (ytd only)* | 9.1376% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 3,111 |
| Loan loss allowance to noncurrent loans | 100.4655% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 862 |
| Noncurrent loans to loans | 1.1605% | 1,045 |
| Net loans and leases to total assets | 71.7537% | 1,001 |
| Net loans and leases to deposits | 79.2033% | 1,498 |
| Net loans and leases to core deposits | 81.7545% | 1,745 |
| Total domestic deposits to total assets | 90.5944% | 521 |
| Equity capital to assets | 8.2487% | 4,398 |
| Core capital (leverage) ratio | 8.1809% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1603% | 2,932 |
| Memoranda: | ||
| Average total assets | $2,427,635,333 | 446 |
| Average earning assets | $2,298,435,667 | 435 |
| Average equity | $201,311,667 | 533 |
| Average total loans | $1,852,897,667 | 391 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8485% | 52 |
| Cost of funding earning assets | 0.4638% | 1,631 |
| Net interest margin | 6.3847% | 49 |
| Noninterest income to average assets | 2.4881% | 267 |
| Noninterest expense to average assets | 5.8876% | 125 |
| Loan and lease loss provision to assets | 0.8011% | 59 |
| Net operating income to assets | 1.4274% | 1,503 |
| Return on assets (ROA) | 1.4478% | 1,518 |
| Pretax return on assets | 1.8534% | 1,188 |
| Return on Equity (ROE) | 17.4089% | 792 |
| Retained earnings to average equity (ytd only) | 15.3738% | 588 |
| Net charge-offs to loans | 2.5233% | 25 |
| Credit loss provision to net charge-offs | 40.5122% | 1,351 |
| Earnings coverage of net charge-offs (x) | 1.3294% | 1,858 |
| Efficiency ratio | 68.2916% | 1,896 |
| Assets per employee ($millions) | 3.7268% | 4,611 |
| Cash dividends to net income (ytd only)* | 11.6901% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,864 |
| Loan loss allowance to noncurrent loans | 102.3245% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 833 |
| Noncurrent loans to loans | 1.1859% | 1,116 |
| Net loans and leases to total assets | 76.0918% | 623 |
| Net loans and leases to deposits | 83.9141% | 1,153 |
| Net loans and leases to core deposits | 87.8417% | 1,382 |
| Total domestic deposits to total assets | 90.6782% | 515 |
| Equity capital to assets | 8.2310% | 4,339 |
| Core capital (leverage) ratio | 8.2801% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0395% | 2,925 |
| Memoranda: | ||
| Average total assets | $2,353,907,000 | 451 |
| Average earning assets | $2,222,443,500 | 442 |
| Average equity | $195,761,500 | 541 |
| Average total loans | $1,844,586,500 | 388 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1673% | 40 |
| Cost of funding earning assets | 0.7777% | 1,309 |
| Net interest margin | 6.3897% | 33 |
| Noninterest income to average assets | 2.5196% | 237 |
| Noninterest expense to average assets | 6.3401% | 117 |
| Loan and lease loss provision to assets | 0.8289% | 144 |
| Net operating income to assets | 1.0731% | 2,011 |
| Return on assets (ROA) | 1.0818% | 2,119 |
| Pretax return on assets | 1.3541% | 1,806 |
| Return on Equity (ROE) | 12.6960% | 1,120 |
| Retained earnings to average equity (ytd only) | 10.8059% | 458 |
| Net charge-offs to loans | 0.4169% | 407 |
| Credit loss provision to net charge-offs | 254.4896% | 1,919 |
| Earnings coverage of net charge-offs (x) | 6.6689% | 2,758 |
| Efficiency ratio | 72.8606% | 1,590 |
| Assets per employee ($millions) | 3.4902% | 4,654 |
| Cash dividends to net income (ytd only)* | 14.8877% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,276 |
| Loan loss allowance to noncurrent loans | 82.7575% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 435 |
| Noncurrent loans to loans | 1.9432% | 608 |
| Net loans and leases to total assets | 78.4829% | 554 |
| Net loans and leases to deposits | 87.5265% | 1,133 |
| Net loans and leases to core deposits | 91.3502% | 1,435 |
| Total domestic deposits to total assets | 89.6676% | 689 |
| Equity capital to assets | 8.4061% | 4,512 |
| Core capital (leverage) ratio | 8.2142% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8357% | 2,959 |
| Memoranda: | ||
| Average total assets | $2,099,366,800 | 459 |
| Average earning assets | $1,968,917,600 | 450 |
| Average equity | $178,874,800 | 564 |
| Average total loans | $1,640,186,400 | 413 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2773% | 40 |
| Cost of funding earning assets | 0.8551% | 1,231 |
| Net interest margin | 6.4222% | 32 |
| Noninterest income to average assets | 2.5113% | 237 |
| Noninterest expense to average assets | 6.3814% | 119 |
| Loan and lease loss provision to assets | 0.6985% | 304 |
| Net operating income to assets | 1.1075% | 1,957 |
| Return on assets (ROA) | 1.1183% | 2,039 |
| Pretax return on assets | 1.4550% | 1,562 |
| Return on Equity (ROE) | 13.0759% | 1,090 |
| Retained earnings to average equity (ytd only) | 11.5611% | 489 |
| Net charge-offs to loans | 0.2554% | 602 |
| Credit loss provision to net charge-offs | 352.1311% | 1,602 |
| Earnings coverage of net charge-offs (x) | 10.7872% | 2,338 |
| Efficiency ratio | 73.0028% | 1,524 |
| Assets per employee ($millions) | 3.3822% | 4,714 |
| Cash dividends to net income (ytd only)* | 11.5848% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,366 |
| Loan loss allowance to noncurrent loans | 77.4515% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 527 |
| Noncurrent loans to loans | 1.9435% | 634 |
| Net loans and leases to total assets | 77.1113% | 948 |
| Net loans and leases to deposits | 86.1128% | 1,690 |
| Net loans and leases to core deposits | 90.9569% | 1,888 |
| Total domestic deposits to total assets | 89.5469% | 572 |
| Equity capital to assets | 8.3315% | 4,558 |
| Core capital (leverage) ratio | 8.1021% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1790% | 2,879 |
| Memoranda: | ||
| Average total assets | $2,050,064,000 | 459 |
| Average earning assets | $1,918,464,000 | 453 |
| Average equity | $175,330,250 | 568 |
| Average total loans | $1,592,262,500 | 417 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5217% | 43 |
| Cost of funding earning assets | 0.9760% | 1,054 |
| Net interest margin | 6.5456% | 44 |
| Noninterest income to average assets | 2.0720% | 278 |
| Noninterest expense to average assets | 6.5764% | 120 |
| Loan and lease loss provision to assets | 0.7311% | 366 |
| Net operating income to assets | 0.6511% | 3,577 |
| Return on assets (ROA) | 0.6511% | 3,669 |
| Pretax return on assets | 0.8716% | 3,395 |
| Return on Equity (ROE) | 7.5396% | 2,921 |
| Retained earnings to average equity (ytd only) | 6.3755% | 1,912 |
| Net charge-offs to loans | 0.1130% | 1,172 |
| Credit loss provision to net charge-offs | 835.4095% | 892 |
| Earnings coverage of net charge-offs (x) | 18.3137% | 1,770 |
| Efficiency ratio | 78.6590% | 991 |
| Assets per employee ($millions) | 3.4007% | 4,711 |
| Cash dividends to net income (ytd only)* | 15.4395% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,252 |
| Loan loss allowance to noncurrent loans | 59.6375% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 374 |
| Noncurrent loans to loans | 2.5219% | 457 |
| Net loans and leases to total assets | 73.9637% | 1,415 |
| Net loans and leases to deposits | 82.2905% | 2,172 |
| Net loans and leases to core deposits | 87.5037% | 2,304 |
| Total domestic deposits to total assets | 89.8811% | 433 |
| Equity capital to assets | 7.9378% | 4,749 |
| Core capital (leverage) ratio | 7.9342% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0216% | 2,960 |
| Memoranda: | ||
| Average total assets | $1,981,445,000 | 466 |
| Average earning assets | $1,848,688,333 | 460 |
| Average equity | $171,122,667 | 583 |
| Average total loans | $1,534,298,000 | 425 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2296% | 38 |
| Cost of funding earning assets | 1.1939% | 789 |
| Net interest margin | 7.0357% | 37 |
| Noninterest income to average assets | 1.7031% | 320 |
| Noninterest expense to average assets | 7.1784% | 112 |
| Loan and lease loss provision to assets | 1.1275% | 176 |
| Net operating income to assets | -0.0742% | 4,795 |
| Return on assets (ROA) | -0.0742% | 4,778 |
| Pretax return on assets | -0.0680% | 4,764 |
| Return on Equity (ROE) | -0.8197% | 4,792 |
| Retained earnings to average equity (ytd only) | -0.8197% | 4,117 |
| Net charge-offs to loans | -0.1016% | 4,817 |
| Credit loss provision to net charge-offs | -1,408.0863% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1424% | 760 |
| Assets per employee ($millions) | 2.8707% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 984 |
| Loan loss allowance to noncurrent loans | 70.5650% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.9189% | 451 |
| Noncurrent loans to loans | 2.3200% | 540 |
| Net loans and leases to total assets | 78.0219% | 982 |
| Net loans and leases to deposits | 87.5334% | 1,806 |
| Net loans and leases to core deposits | 95.4866% | 1,842 |
| Total domestic deposits to total assets | 89.1339% | 611 |
| Equity capital to assets | 8.8664% | 4,666 |
| Core capital (leverage) ratio | 8.7398% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2468% | 3,290 |
| Memoranda: | ||
| Average total assets | $1,853,325,500 | 477 |
| Average earning assets | $1,721,393,000 | 471 |
| Average equity | $167,872,500 | 590 |
| Average total loans | $1,461,274,500 | 431 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9206% | 36 |
| Cost of funding earning assets | 1.2827% | 807 |
| Net interest margin | 7.6380% | 31 |
| Noninterest income to average assets | 2.1338% | 236 |
| Noninterest expense to average assets | 7.0354% | 106 |
| Loan and lease loss provision to assets | 0.4363% | 318 |
| Net operating income to assets | 1.5264% | 992 |
| Return on assets (ROA) | 1.5257% | 1,052 |
| Pretax return on assets | 1.7323% | 1,105 |
| Return on Equity (ROE) | 16.7976% | 440 |
| Retained earnings to average equity (ytd only) | 11.2403% | 305 |
| Net charge-offs to loans | 0.2280% | 896 |
| Credit loss provision to net charge-offs | 241.1325% | 1,123 |
| Earnings coverage of net charge-offs (x) | 11.9900% | 2,447 |
| Efficiency ratio | 74.9006% | 1,501 |
| Assets per employee ($millions) | 2.8403% | 4,890 |
| Cash dividends to net income (ytd only)* | 33.0837% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,817 |
| Loan loss allowance to noncurrent loans | 71.2277% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 667 |
| Noncurrent loans to loans | 1.8597% | 718 |
| Net loans and leases to total assets | 77.3167% | 1,200 |
| Net loans and leases to deposits | 87.4549% | 1,919 |
| Net loans and leases to core deposits | 97.1446% | 1,804 |
| Total domestic deposits to total assets | 88.4076% | 936 |
| Equity capital to assets | 9.2563% | 4,526 |
| Core capital (leverage) ratio | 8.9805% | 4,543 |
| Tier 1 risk-based capital ratio | 11.0105% | 4,854 |
| Total risk-based capital ratio | 12.2606% | 4,760 |
| Memoranda: | ||
| Average total assets | $1,776,297,400 | 473 |
| Average earning assets | $1,644,458,000 | 470 |
| Average equity | $161,338,800 | 581 |
| Average total loans | $1,409,601,600 | 423 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9446% | 35 |
| Cost of funding earning assets | 1.2706% | 860 |
| Net interest margin | 7.6740% | 30 |
| Noninterest income to average assets | 2.1026% | 244 |
| Noninterest expense to average assets | 7.0417% | 110 |
| Loan and lease loss provision to assets | 0.3640% | 361 |
| Net operating income to assets | 1.6507% | 826 |
| Return on assets (ROA) | 1.6496% | 871 |
| Pretax return on assets | 1.7920% | 1,114 |
| Return on Equity (ROE) | 18.2516% | 372 |
| Retained earnings to average equity (ytd only) | 14.0890% | 203 |
| Net charge-offs to loans | 0.0542% | 2,060 |
| Credit loss provision to net charge-offs | 843.9580% | 417 |
| Earnings coverage of net charge-offs (x) | 50.0160% | 1,189 |
| Efficiency ratio | 74.8438% | 1,461 |
| Assets per employee ($millions) | 2.9281% | 4,924 |
| Cash dividends to net income (ytd only)* | 22.8068% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 1,944 |
| Loan loss allowance to noncurrent loans | 72.5600% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 818 |
| Noncurrent loans to loans | 1.7983% | 795 |
| Net loans and leases to total assets | 75.5793% | 1,548 |
| Net loans and leases to deposits | 85.1618% | 2,302 |
| Net loans and leases to core deposits | 96.0097% | 1,992 |
| Total domestic deposits to total assets | 88.7479% | 713 |
| Equity capital to assets | 8.9758% | 4,794 |
| Core capital (leverage) ratio | 9.0816% | 4,571 |
| Tier 1 risk-based capital ratio | 10.9346% | 4,944 |
| Total risk-based capital ratio | 12.1761% | 4,825 |
| Memoranda: | ||
| Average total assets | $1,765,221,250 | 479 |
| Average earning assets | $1,632,305,000 | 472 |
| Average equity | $159,543,250 | 585 |
| Average total loans | $1,405,370,500 | 429 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9780% | 31 |
| Cost of funding earning assets | 1.2417% | 892 |
| Net interest margin | 7.7362% | 33 |
| Noninterest income to average assets | 2.0717% | 254 |
| Noninterest expense to average assets | 7.2787% | 103 |
| Loan and lease loss provision to assets | 0.1362% | 1,361 |
| Net operating income to assets | 1.7760% | 627 |
| Return on assets (ROA) | 1.7754% | 647 |
| Pretax return on assets | 1.8009% | 1,027 |
| Return on Equity (ROE) | 19.5954% | 280 |
| Retained earnings to average equity (ytd only) | 15.7892% | 137 |
| Net charge-offs to loans | 0.0210% | 2,435 |
| Credit loss provision to net charge-offs | 802.7211% | 422 |
| Earnings coverage of net charge-offs (x) | 114.2109% | 628 |
| Efficiency ratio | 77.0519% | 1,264 |
| Assets per employee ($millions) | 2.7793% | 5,026 |
| Cash dividends to net income (ytd only)* | 19.4240% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,170 |
| Loan loss allowance to noncurrent loans | 90.8088% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 1,377 |
| Noncurrent loans to loans | 1.1902% | 1,349 |
| Net loans and leases to total assets | 79.4501% | 976 |
| Net loans and leases to deposits | 89.5972% | 1,785 |
| Net loans and leases to core deposits | 101.6351% | 1,586 |
| Total domestic deposits to total assets | 88.6748% | 795 |
| Equity capital to assets | 9.1814% | 4,670 |
| Core capital (leverage) ratio | 9.1528% | 4,506 |
| Tier 1 risk-based capital ratio | 10.7066% | 5,041 |
| Total risk-based capital ratio | 11.7442% | 5,025 |
| Memoranda: | ||
| Average total assets | $1,732,869,670 | 486 |
| Average earning assets | $1,600,363,000 | 477 |
| Average equity | $157,006,330 | 591 |
| Average total loans | $1,398,459,670 | 431 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3523% | 29 |
| Cost of funding earning assets | 1.2013% | 900 |
| Net interest margin | 8.1510% | 30 |
| Noninterest income to average assets | 2.1582% | 220 |
| Noninterest expense to average assets | 7.2227% | 104 |
| Loan and lease loss provision to assets | 0.0364% | 2,893 |
| Net operating income to assets | 2.6699% | 128 |
| Return on assets (ROA) | 2.6715% | 138 |
| Pretax return on assets | 2.4186% | 283 |
| Return on Equity (ROE) | 29.6909% | 52 |
| Retained earnings to average equity (ytd only) | 24.5205% | 52 |
| Net charge-offs to loans | -0.1088% | 5,048 |
| Credit loss provision to net charge-offs | -41.3793% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8850% | 1,897 |
| Assets per employee ($millions) | 2.7762% | 5,083 |
| Cash dividends to net income (ytd only)* | 17.4141% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,224 |
| Loan loss allowance to noncurrent loans | 68.5902% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 991 |
| Noncurrent loans to loans | 1.5777% | 1,006 |
| Net loans and leases to total assets | 78.9632% | 995 |
| Net loans and leases to deposits | 89.1980% | 1,732 |
| Net loans and leases to core deposits | 100.0270% | 1,619 |
| Total domestic deposits to total assets | 88.5258% | 1,077 |
| Equity capital to assets | 9.2467% | 4,484 |
| Core capital (leverage) ratio | 9.2275% | 4,436 |
| Tier 1 risk-based capital ratio | 10.8375% | 5,051 |
| Total risk-based capital ratio | 11.8755% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,712,717,500 | 493 |
| Average earning assets | $1,579,674,000 | 489 |
| Average equity | $154,108,000 | 597 |
| Average total loans | $1,385,598,500 | 434 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9341% | 29 |
| Cost of funding earning assets | 1.0730% | 545 |
| Net interest margin | 7.8611% | 28 |
| Noninterest income to average assets | 2.2057% | 236 |
| Noninterest expense to average assets | 7.1730% | 105 |
| Loan and lease loss provision to assets | 0.4589% | 277 |
| Net operating income to assets | 1.8400% | 511 |
| Return on assets (ROA) | 1.8354% | 509 |
| Pretax return on assets | 1.8644% | 784 |
| Return on Equity (ROE) | 21.1276% | 193 |
| Retained earnings to average equity (ytd only) | 10.6622% | 494 |
| Net charge-offs to loans | 0.5088% | 349 |
| Credit loss provision to net charge-offs | 109.7969% | 2,343 |
| Earnings coverage of net charge-offs (x) | 5.5698% | 3,182 |
| Efficiency ratio | 72.7047% | 1,809 |
| Assets per employee ($millions) | 2.8033% | 5,091 |
| Cash dividends to net income (ytd only)* | 49.5341% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,486 |
| Loan loss allowance to noncurrent loans | 51.7965% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 898 |
| Noncurrent loans to loans | 1.5722% | 940 |
| Net loans and leases to total assets | 81.1775% | 784 |
| Net loans and leases to deposits | 90.9927% | 1,669 |
| Net loans and leases to core deposits | 101.2834% | 1,626 |
| Total domestic deposits to total assets | 89.2133% | 770 |
| Equity capital to assets | 8.9064% | 4,648 |
| Core capital (leverage) ratio | 8.7198% | 4,864 |
| Tier 1 risk-based capital ratio | 10.5632% | 5,157 |
| Total risk-based capital ratio | 11.3726% | 5,220 |
| Memoranda: | ||
| Average total assets | $1,660,644,000 | 492 |
| Average earning assets | $1,541,127,000 | 482 |
| Average equity | $144,266,000 | 602 |
| Average total loans | $1,364,128,600 | 428 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7227% | 27 |
| Cost of funding earning assets | 1.0423% | 494 |
| Net interest margin | 7.6803% | 27 |
| Noninterest income to average assets | 2.2295% | 236 |
| Noninterest expense to average assets | 7.0801% | 106 |
| Loan and lease loss provision to assets | 0.3505% | 385 |
| Net operating income to assets | 1.8971% | 490 |
| Return on assets (ROA) | 1.8909% | 498 |
| Pretax return on assets | 1.9263% | 775 |
| Return on Equity (ROE) | 21.9086% | 171 |
| Retained earnings to average equity (ytd only) | 10.6359% | 737 |
| Net charge-offs to loans | 0.2731% | 612 |
| Credit loss provision to net charge-offs | 156.1195% | 1,654 |
| Earnings coverage of net charge-offs (x) | 10.1688% | 2,603 |
| Efficiency ratio | 72.6252% | 1,792 |
| Assets per employee ($millions) | 2.8012% | 5,153 |
| Cash dividends to net income (ytd only)* | 51.4532% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,394 |
| Loan loss allowance to noncurrent loans | 43.3086% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 671 |
| Noncurrent loans to loans | 1.9952% | 735 |
| Net loans and leases to total assets | 82.4460% | 635 |
| Net loans and leases to deposits | 92.4785% | 1,569 |
| Net loans and leases to core deposits | 102.5749% | 1,558 |
| Total domestic deposits to total assets | 89.1516% | 796 |
| Equity capital to assets | 8.6965% | 4,797 |
| Core capital (leverage) ratio | 8.5212% | 5,086 |
| Tier 1 risk-based capital ratio | 10.1278% | 5,356 |
| Total risk-based capital ratio | 10.9921% | 5,389 |
| Memoranda: | ||
| Average total assets | $1,649,696,500 | 492 |
| Average earning assets | $1,532,273,750 | 481 |
| Average equity | $142,381,750 | 606 |
| Average total loans | $1,356,416,500 | 429 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4783% | 30 |
| Cost of funding earning assets | 0.9875% | 490 |
| Net interest margin | 7.4908% | 31 |
| Noninterest income to average assets | 2.2423% | 238 |
| Noninterest expense to average assets | 7.0743% | 110 |
| Loan and lease loss provision to assets | 0.3334% | 404 |
| Net operating income to assets | 1.7406% | 670 |
| Return on assets (ROA) | 1.7288% | 686 |
| Pretax return on assets | 1.7663% | 1,045 |
| Return on Equity (ROE) | 20.0839% | 260 |
| Retained earnings to average equity (ytd only) | 8.2964% | 1,491 |
| Net charge-offs to loans | 0.2924% | 545 |
| Credit loss provision to net charge-offs | 139.2016% | 1,649 |
| Earnings coverage of net charge-offs (x) | 8.8178% | 2,440 |
| Efficiency ratio | 73.8966% | 1,721 |
| Assets per employee ($millions) | 2.7967% | 5,219 |
| Cash dividends to net income (ytd only)* | 58.6913% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,636 |
| Loan loss allowance to noncurrent loans | 50.3143% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 876 |
| Noncurrent loans to loans | 1.6311% | 987 |
| Net loans and leases to total assets | 82.2972% | 681 |
| Net loans and leases to deposits | 91.5452% | 1,638 |
| Net loans and leases to core deposits | 101.6380% | 1,591 |
| Total domestic deposits to total assets | 89.8979% | 606 |
| Equity capital to assets | 8.5062% | 4,934 |
| Core capital (leverage) ratio | 8.4090% | 5,165 |
| Tier 1 risk-based capital ratio | 10.1438% | 5,390 |
| Total risk-based capital ratio | 10.9919% | 5,435 |
| Memoranda: | ||
| Average total assets | $1,631,882,000 | 495 |
| Average earning assets | $1,512,686,330 | 488 |
| Average equity | $140,471,000 | 611 |
| Average total loans | $1,336,418,670 | 433 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2521% | 33 |
| Cost of funding earning assets | 0.9653% | 439 |
| Net interest margin | 7.2867% | 33 |
| Noninterest income to average assets | 2.3439% | 218 |
| Noninterest expense to average assets | 7.1038% | 111 |
| Loan and lease loss provision to assets | 0.2095% | 774 |
| Net operating income to assets | 1.7685% | 593 |
| Return on assets (ROA) | 1.7683% | 602 |
| Pretax return on assets | 1.7758% | 955 |
| Return on Equity (ROE) | 20.4165% | 224 |
| Retained earnings to average equity (ytd only) | 6.9128% | 2,322 |
| Net charge-offs to loans | 0.0939% | 1,235 |
| Credit loss provision to net charge-offs | 274.2671% | 871 |
| Earnings coverage of net charge-offs (x) | 25.9902% | 1,329 |
| Efficiency ratio | 74.4456% | 1,833 |
| Assets per employee ($millions) | 2.8212% | 5,278 |
| Cash dividends to net income (ytd only)* | 66.1413% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,564 |
| Loan loss allowance to noncurrent loans | 43.8035% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.7652% | 698 |
| Noncurrent loans to loans | 1.9888% | 807 |
| Net loans and leases to total assets | 79.6400% | 987 |
| Net loans and leases to deposits | 89.5976% | 1,731 |
| Net loans and leases to core deposits | 101.3836% | 1,579 |
| Total domestic deposits to total assets | 88.8863% | 1,154 |
| Equity capital to assets | 8.7380% | 4,796 |
| Core capital (leverage) ratio | 8.4950% | 5,141 |
| Tier 1 risk-based capital ratio | 10.8007% | 5,251 |
| Total risk-based capital ratio | 11.6928% | 5,289 |
| Memoranda: | ||
| Average total assets | $1,607,427,000 | 507 |
| Average earning assets | $1,488,016,500 | 502 |
| Average equity | $139,221,000 | 619 |
| Average total loans | $1,307,282,500 | 447 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9055% | 40 |
| Cost of funding earning assets | 0.9554% | 278 |
| Net interest margin | 6.9501% | 42 |
| Noninterest income to average assets | 2.0739% | 280 |
| Noninterest expense to average assets | 6.1973% | 143 |
| Loan and lease loss provision to assets | 0.6226% | 202 |
| Net operating income to assets | 1.7065% | 519 |
| Return on assets (ROA) | 1.7274% | 509 |
| Pretax return on assets | 1.7333% | 928 |
| Return on Equity (ROE) | 20.5016% | 177 |
| Retained earnings to average equity (ytd only) | 6.8272% | 1,148 |
| Net charge-offs to loans | 0.7654% | 269 |
| Credit loss provision to net charge-offs | 102.3115% | 2,504 |
| Earnings coverage of net charge-offs (x) | 3.8373% | 3,546 |
| Efficiency ratio | 69.4049% | 2,635 |
| Assets per employee ($millions) | 2.9478% | 5,233 |
| Cash dividends to net income (ytd only)* | 66.6992% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,810 |
| Loan loss allowance to noncurrent loans | 41.8692% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 729 |
| Noncurrent loans to loans | 1.9220% | 803 |
| Net loans and leases to total assets | 81.6469% | 733 |
| Net loans and leases to deposits | 93.0570% | 1,381 |
| Net loans and leases to core deposits | 104.4971% | 1,379 |
| Total domestic deposits to total assets | 87.7386% | 1,637 |
| Equity capital to assets | 8.5847% | 5,055 |
| Core capital (leverage) ratio | 8.2406% | 5,326 |
| Tier 1 risk-based capital ratio | 10.3037% | 5,445 |
| Total risk-based capital ratio | 11.1290% | 5,517 |
| Memoranda: | ||
| Average total assets | $1,599,676,600 | 493 |
| Average earning assets | $1,486,515,000 | 484 |
| Average equity | $134,784,400 | 611 |
| Average total loans | $1,271,819,600 | 438 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7958% | 42 |
| Cost of funding earning assets | 0.9529% | 253 |
| Net interest margin | 6.8429% | 41 |
| Noninterest income to average assets | 2.0989% | 291 |
| Noninterest expense to average assets | 6.0844% | 146 |
| Loan and lease loss provision to assets | 0.3291% | 458 |
| Net operating income to assets | 2.0439% | 291 |
| Return on assets (ROA) | 2.0464% | 296 |
| Pretax return on assets | 2.0534% | 491 |
| Return on Equity (ROE) | 24.4032% | 81 |
| Retained earnings to average equity (ytd only) | 8.4226% | 1,042 |
| Net charge-offs to loans | 0.2989% | 706 |
| Credit loss provision to net charge-offs | 139.7518% | 1,778 |
| Earnings coverage of net charge-offs (x) | 10.1060% | 2,628 |
| Efficiency ratio | 68.5291% | 2,782 |
| Assets per employee ($millions) | 3.0056% | 5,266 |
| Cash dividends to net income (ytd only)* | 65.4859% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 4,608 |
| Loan loss allowance to noncurrent loans | 44.9327% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.7272% | 827 |
| Noncurrent loans to loans | 1.9834% | 861 |
| Net loans and leases to total assets | 78.8793% | 1,138 |
| Net loans and leases to deposits | 88.8233% | 1,952 |
| Net loans and leases to core deposits | 99.6043% | 1,738 |
| Total domestic deposits to total assets | 88.8048% | 968 |
| Equity capital to assets | 8.5198% | 5,274 |
| Core capital (leverage) ratio | 8.1025% | 5,475 |
| Tier 1 risk-based capital ratio | 10.2541% | 5,526 |
| Total risk-based capital ratio | 11.1510% | 5,586 |
| Memoranda: | ||
| Average total assets | $1,596,489,750 | 498 |
| Average earning assets | $1,485,143,000 | 485 |
| Average equity | $133,875,000 | 619 |
| Average total loans | $1,257,981,000 | 445 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6711% | 42 |
| Cost of funding earning assets | 0.9322% | 251 |
| Net interest margin | 6.7389% | 45 |
| Noninterest income to average assets | 2.2882% | 259 |
| Noninterest expense to average assets | 6.2493% | 145 |
| Loan and lease loss provision to assets | 0.3061% | 488 |
| Net operating income to assets | 2.0029% | 307 |
| Return on assets (ROA) | 2.0046% | 311 |
| Pretax return on assets | 2.0121% | 517 |
| Return on Equity (ROE) | 24.0377% | 92 |
| Retained earnings to average equity (ytd only) | 8.1407% | 1,106 |
| Net charge-offs to loans | 0.3102% | 656 |
| Credit loss provision to net charge-offs | 125.6477% | 1,721 |
| Earnings coverage of net charge-offs (x) | 9.5093% | 2,428 |
| Efficiency ratio | 69.5507% | 2,757 |
| Assets per employee ($millions) | 3.0916% | 5,194 |
| Cash dividends to net income (ytd only)* | 66.1336% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,832 |
| Loan loss allowance to noncurrent loans | 42.3827% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.7376% | 815 |
| Noncurrent loans to loans | 1.9883% | 845 |
| Net loans and leases to total assets | 77.6092% | 1,299 |
| Net loans and leases to deposits | 86.8657% | 2,122 |
| Net loans and leases to core deposits | 99.6574% | 1,671 |
| Total domestic deposits to total assets | 89.3439% | 788 |
| Equity capital to assets | 8.1803% | 5,458 |
| Core capital (leverage) ratio | 8.0662% | 5,501 |
| Tier 1 risk-based capital ratio | 10.0437% | 5,616 |
| Total risk-based capital ratio | 10.8955% | 5,668 |
| Memoranda: | ||
| Average total assets | $1,584,637,670 | 501 |
| Average earning assets | $1,476,112,000 | 490 |
| Average equity | $132,151,000 | 625 |
| Average total loans | $1,244,333,670 | 450 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3462% | 49 |
| Cost of funding earning assets | 0.9135% | 259 |
| Net interest margin | 6.4326% | 54 |
| Noninterest income to average assets | 2.1450% | 288 |
| Noninterest expense to average assets | 6.3320% | 148 |
| Loan and lease loss provision to assets | 0.0140% | 3,382 |
| Net operating income to assets | 1.7959% | 453 |
| Return on assets (ROA) | 1.8029% | 457 |
| Pretax return on assets | 1.8093% | 774 |
| Return on Equity (ROE) | 21.3992% | 176 |
| Retained earnings to average equity (ytd only) | 6.7740% | 1,941 |
| Net charge-offs to loans | 0.0638% | 1,693 |
| Credit loss provision to net charge-offs | 27.8351% | 2,128 |
| Earnings coverage of net charge-offs (x) | 36.2062% | 1,099 |
| Efficiency ratio | 75.0563% | 2,064 |
| Assets per employee ($millions) | 3.0607% | 5,305 |
| Cash dividends to net income (ytd only)* | 68.3448% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,986 |
| Loan loss allowance to noncurrent loans | 39.2414% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 783 |
| Noncurrent loans to loans | 2.1181% | 822 |
| Net loans and leases to total assets | 78.6906% | 1,031 |
| Net loans and leases to deposits | 89.4256% | 1,611 |
| Net loans and leases to core deposits | 103.3692% | 1,260 |
| Total domestic deposits to total assets | 87.9957% | 1,716 |
| Equity capital to assets | 8.4400% | 5,280 |
| Core capital (leverage) ratio | 8.2374% | 5,413 |
| Tier 1 risk-based capital ratio | 9.9828% | 5,701 |
| Total risk-based capital ratio | 10.8064% | 5,755 |
| Memoranda: | ||
| Average total assets | $1,546,869,500 | 512 |
| Average earning assets | $1,443,636,500 | 499 |
| Average equity | $130,322,500 | 627 |
| Average total loans | $1,216,801,500 | 457 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9649% | 58 |
| Cost of funding earning assets | 0.9939% | 180 |
| Net interest margin | 5.9711% | 70 |
| Noninterest income to average assets | 2.2070% | 297 |
| Noninterest expense to average assets | 5.7988% | 179 |
| Loan and lease loss provision to assets | 0.2841% | 694 |
| Net operating income to assets | 1.6881% | 561 |
| Return on assets (ROA) | 1.6952% | 575 |
| Pretax return on assets | 1.7023% | 995 |
| Return on Equity (ROE) | 19.9140% | 213 |
| Retained earnings to average equity (ytd only) | 6.3085% | 1,562 |
| Net charge-offs to loans | 0.3878% | 691 |
| Credit loss provision to net charge-offs | 95.1816% | 2,696 |
| Earnings coverage of net charge-offs (x) | 6.6311% | 3,140 |
| Efficiency ratio | 69.9317% | 2,912 |
| Assets per employee ($millions) | 3.2757% | 5,074 |
| Cash dividends to net income (ytd only)* | 68.3212% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,869 |
| Loan loss allowance to noncurrent loans | 39.6729% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.8935% | 758 |
| Noncurrent loans to loans | 2.2098% | 769 |
| Net loans and leases to total assets | 77.2754% | 1,316 |
| Net loans and leases to deposits | 87.8611% | 1,944 |
| Net loans and leases to core deposits | 101.8050% | 1,457 |
| Total domestic deposits to total assets | 87.9518% | 1,653 |
| Equity capital to assets | 8.4095% | 5,339 |
| Core capital (leverage) ratio | 8.3043% | 5,433 |
| Tier 1 risk-based capital ratio | 10.4391% | 5,595 |
| Total risk-based capital ratio | 11.3109% | 5,676 |
| Memoranda: | ||
| Average total assets | $1,439,219,400 | 521 |
| Average earning assets | $1,342,844,600 | 512 |
| Average equity | $122,516,800 | 652 |
| Average total loans | $1,107,713,800 | 465 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8664% | 62 |
| Cost of funding earning assets | 0.9940% | 177 |
| Net interest margin | 5.8724% | 72 |
| Noninterest income to average assets | 2.2204% | 304 |
| Noninterest expense to average assets | 5.7204% | 188 |
| Loan and lease loss provision to assets | 0.3847% | 394 |
| Net operating income to assets | 1.5878% | 749 |
| Return on assets (ROA) | 1.6038% | 762 |
| Pretax return on assets | 1.6074% | 1,361 |
| Return on Equity (ROE) | 18.7787% | 313 |
| Retained earnings to average equity (ytd only) | 4.4137% | 3,193 |
| Net charge-offs to loans | 0.2193% | 1,065 |
| Credit loss provision to net charge-offs | 228.7073% | 1,290 |
| Earnings coverage of net charge-offs (x) | 11.7487% | 2,454 |
| Efficiency ratio | 69.7488% | 2,926 |
| Assets per employee ($millions) | 3.1966% | 5,183 |
| Cash dividends to net income (ytd only)* | 76.4965% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,805 |
| Loan loss allowance to noncurrent loans | 53.2911% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 904 |
| Noncurrent loans to loans | 2.0734% | 932 |
| Net loans and leases to total assets | 78.2183% | 1,155 |
| Net loans and leases to deposits | 90.0453% | 1,747 |
| Net loans and leases to core deposits | 104.1578% | 1,333 |
| Total domestic deposits to total assets | 86.8654% | 1,956 |
| Equity capital to assets | 8.5988% | 5,475 |
| Core capital (leverage) ratio | 8.3187% | 5,489 |
| Tier 1 risk-based capital ratio | 10.0941% | 5,764 |
| Total risk-based capital ratio | 11.1789% | 5,778 |
| Memoranda: | ||
| Average total assets | $1,416,590,250 | 530 |
| Average earning assets | $1,320,967,750 | 523 |
| Average equity | $120,985,250 | 662 |
| Average total loans | $1,086,501,250 | 472 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7358% | 63 |
| Cost of funding earning assets | 0.9774% | 191 |
| Net interest margin | 5.7584% | 86 |
| Noninterest income to average assets | 2.2694% | 292 |
| Noninterest expense to average assets | 5.7320% | 189 |
| Loan and lease loss provision to assets | 0.2645% | 705 |
| Net operating income to assets | 1.6318% | 668 |
| Return on assets (ROA) | 1.6577% | 674 |
| Pretax return on assets | 1.6631% | 1,188 |
| Return on Equity (ROE) | 19.4562% | 267 |
| Retained earnings to average equity (ytd only) | 5.0943% | 2,665 |
| Net charge-offs to loans | 0.1549% | 1,405 |
| Credit loss provision to net charge-offs | 225.1526% | 1,196 |
| Earnings coverage of net charge-offs (x) | 16.1893% | 1,941 |
| Efficiency ratio | 70.0162% | 2,985 |
| Assets per employee ($millions) | 3.2514% | 5,135 |
| Cash dividends to net income (ytd only)* | 73.8167% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 4,211 |
| Loan loss allowance to noncurrent loans | 52.4834% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6933% | 1,061 |
| Noncurrent loans to loans | 2.0065% | 991 |
| Net loans and leases to total assets | 76.4108% | 1,425 |
| Net loans and leases to deposits | 86.7183% | 2,168 |
| Net loans and leases to core deposits | 100.2628% | 1,613 |
| Total domestic deposits to total assets | 88.1137% | 1,374 |
| Equity capital to assets | 8.6529% | 5,511 |
| Core capital (leverage) ratio | 8.5939% | 5,270 |
| Tier 1 risk-based capital ratio | 10.4480% | 5,692 |
| Total risk-based capital ratio | 11.4740% | 5,710 |
| Memoranda: | ||
| Average total assets | $1,394,377,670 | 538 |
| Average earning assets | $1,298,965,000 | 530 |
| Average equity | $118,800,330 | 674 |
| Average total loans | $1,057,629,330 | 482 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5516% | 74 |
| Cost of funding earning assets | 0.9872% | 184 |
| Net interest margin | 5.5644% | 105 |
| Noninterest income to average assets | 1.9318% | 356 |
| Noninterest expense to average assets | 5.6201% | 201 |
| Loan and lease loss provision to assets | 0.1527% | 1,384 |
| Net operating income to assets | 1.3246% | 1,200 |
| Return on assets (ROA) | 1.3494% | 1,205 |
| Pretax return on assets | 1.3582% | 2,058 |
| Return on Equity (ROE) | 15.9690% | 540 |
| Retained earnings to average equity (ytd only) | 1.6031% | 4,630 |
| Net charge-offs to loans | 0.1311% | 1,320 |
| Credit loss provision to net charge-offs | 155.0296% | 1,250 |
| Earnings coverage of net charge-offs (x) | 15.0888% | 1,674 |
| Efficiency ratio | 73.6009% | 2,541 |
| Assets per employee ($millions) | 3.2013% | 5,282 |
| Cash dividends to net income (ytd only)* | 89.9611% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,372 |
| Loan loss allowance to noncurrent loans | 47.2063% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8782% | 961 |
| Noncurrent loans to loans | 2.2096% | 924 |
| Net loans and leases to total assets | 74.9359% | 1,564 |
| Net loans and leases to deposits | 84.8721% | 2,207 |
| Net loans and leases to core deposits | 98.0122% | 1,635 |
| Total domestic deposits to total assets | 88.2927% | 1,476 |
| Equity capital to assets | 8.5385% | 5,541 |
| Core capital (leverage) ratio | 8.6072% | 5,286 |
| Tier 1 risk-based capital ratio | 10.6067% | 5,710 |
| Total risk-based capital ratio | 11.6018% | 5,732 |
| Memoranda: | ||
| Average total assets | $1,373,009,500 | 544 |
| Average earning assets | $1,276,696,500 | 539 |
| Average equity | $116,024,500 | 691 |
| Average total loans | $1,031,545,500 | 491 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9767% | 59 |
| Cost of funding earning assets | 1.0235% | 152 |
| Net interest margin | 5.9533% | 74 |
| Noninterest income to average assets | 2.2722% | 299 |
| Noninterest expense to average assets | 5.5011% | 212 |
| Loan and lease loss provision to assets | 0.1762% | 1,287 |
| Net operating income to assets | 1.9764% | 360 |
| Return on assets (ROA) | 1.9878% | 357 |
| Pretax return on assets | 2.1805% | 358 |
| Return on Equity (ROE) | 22.5054% | 154 |
| Retained earnings to average equity (ytd only) | 7.3871% | 1,130 |
| Net charge-offs to loans | 0.1846% | 1,559 |
| Credit loss provision to net charge-offs | 129.9831% | 2,015 |
| Earnings coverage of net charge-offs (x) | 17.2885% | 2,086 |
| Efficiency ratio | 68.2577% | 3,517 |
| Assets per employee ($millions) | 3.2527% | 5,221 |
| Cash dividends to net income (ytd only)* | 67.1764% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 4,370 |
| Loan loss allowance to noncurrent loans | 53.5617% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6977% | 1,145 |
| Noncurrent loans to loans | 1.9456% | 1,091 |
| Net loans and leases to total assets | 73.7577% | 1,768 |
| Net loans and leases to deposits | 83.6849% | 2,397 |
| Net loans and leases to core deposits | 96.2482% | 1,822 |
| Total domestic deposits to total assets | 88.1374% | 1,562 |
| Equity capital to assets | 8.3622% | 5,657 |
| Core capital (leverage) ratio | 8.5047% | 5,429 |
| Tier 1 risk-based capital ratio | 10.5773% | 5,741 |
| Total risk-based capital ratio | 11.5451% | 5,791 |
| Memoranda: | ||
| Average total assets | $1,306,110,400 | 550 |
| Average earning assets | $1,222,726,800 | 535 |
| Average equity | $115,363,400 | 664 |
| Average total loans | $959,555,600 | 497 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8112% | 63 |
| Cost of funding earning assets | 1.0141% | 166 |
| Net interest margin | 5.7971% | 85 |
| Noninterest income to average assets | 2.1957% | 315 |
| Noninterest expense to average assets | 5.2308% | 243 |
| Loan and lease loss provision to assets | 0.1261% | 1,795 |
| Net operating income to assets | 2.0227% | 353 |
| Return on assets (ROA) | 2.0323% | 361 |
| Pretax return on assets | 2.2876% | 341 |
| Return on Equity (ROE) | 22.6876% | 173 |
| Retained earnings to average equity (ytd only) | 7.7222% | 1,366 |
| Net charge-offs to loans | 0.1263% | 1,867 |
| Credit loss provision to net charge-offs | 136.4653% | 1,805 |
| Earnings coverage of net charge-offs (x) | 25.9955% | 1,633 |
| Efficiency ratio | 68.0722% | 3,524 |
| Assets per employee ($millions) | 3.2632% | 5,188 |
| Cash dividends to net income (ytd only)* | 65.9628% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 4,591 |
| Loan loss allowance to noncurrent loans | 45.9770% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.8973% | 1,101 |
| Noncurrent loans to loans | 2.2376% | 972 |
| Net loans and leases to total assets | 73.9292% | 1,742 |
| Net loans and leases to deposits | 85.6612% | 2,182 |
| Net loans and leases to core deposits | 98.8599% | 1,622 |
| Total domestic deposits to total assets | 86.3042% | 2,385 |
| Equity capital to assets | 8.5750% | 5,658 |
| Core capital (leverage) ratio | 8.5008% | 5,552 |
| Tier 1 risk-based capital ratio | 10.1445% | 6,000 |
| Total risk-based capital ratio | 11.0745% | 6,055 |
| Memoranda: | ||
| Average total assets | $1,289,473,500 | 558 |
| Average earning assets | $1,209,626,750 | 539 |
| Average equity | $115,508,250 | 671 |
| Average total loans | $943,668,750 | 511 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8864% | 63 |
| Cost of funding earning assets | 0.9879% | 188 |
| Net interest margin | 5.8985% | 80 |
| Noninterest income to average assets | 2.1809% | 326 |
| Noninterest expense to average assets | 5.2824% | 240 |
| Loan and lease loss provision to assets | 0.0713% | 2,689 |
| Net operating income to assets | 1.9515% | 397 |
| Return on assets (ROA) | 1.9663% | 403 |
| Pretax return on assets | 2.3934% | 291 |
| Return on Equity (ROE) | 21.6198% | 208 |
| Retained earnings to average equity (ytd only) | 6.4439% | 1,979 |
| Net charge-offs to loans | 0.0940% | 2,084 |
| Credit loss provision to net charge-offs | 104.3981% | 1,991 |
| Earnings coverage of net charge-offs (x) | 35.8426% | 1,212 |
| Efficiency ratio | 68.3444% | 3,625 |
| Assets per employee ($millions) | 3.4428% | 4,908 |
| Cash dividends to net income (ytd only)* | 70.1945% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 4,379 |
| Loan loss allowance to noncurrent loans | 45.1352% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.0101% | 1,095 |
| Noncurrent loans to loans | 2.4139% | 938 |
| Net loans and leases to total assets | 69.8812% | 2,330 |
| Net loans and leases to deposits | 79.9217% | 2,797 |
| Net loans and leases to core deposits | 91.6669% | 2,185 |
| Total domestic deposits to total assets | 87.4371% | 1,939 |
| Equity capital to assets | 8.8261% | 5,407 |
| Core capital (leverage) ratio | 9.0179% | 4,946 |
| Tier 1 risk-based capital ratio | 10.9624% | 5,732 |
| Total risk-based capital ratio | 11.9211% | 5,792 |
| Memoranda: | ||
| Average total assets | $1,265,718,000 | 560 |
| Average earning assets | $1,190,548,000 | 546 |
| Average equity | $115,116,670 | 671 |
| Average total loans | $919,411,330 | 518 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2143% | 51 |
| Cost of funding earning assets | 0.9733% | 200 |
| Net interest margin | 6.2409% | 64 |
| Noninterest income to average assets | 2.1345% | 334 |
| Noninterest expense to average assets | 5.3845% | 241 |
| Loan and lease loss provision to assets | 0.0920% | 2,159 |
| Net operating income to assets | 1.6807% | 615 |
| Return on assets (ROA) | 1.6920% | 629 |
| Pretax return on assets | 2.5444% | 225 |
| Return on Equity (ROE) | 18.3152% | 365 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,671 |
| Net charge-offs to loans | -0.0604% | 5,616 |
| Credit loss provision to net charge-offs | -206.5217% | 4,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2743% | 3,941 |
| Assets per employee ($millions) | 3.3299% | 5,197 |
| Cash dividends to net income (ytd only)* | 89.0309% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 4,211 |
| Loan loss allowance to noncurrent loans | 43.1392% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.1314% | 1,083 |
| Noncurrent loans to loans | 2.6872% | 877 |
| Net loans and leases to total assets | 71.4928% | 1,896 |
| Net loans and leases to deposits | 82.7620% | 2,238 |
| Net loans and leases to core deposits | 95.4866% | 1,652 |
| Total domestic deposits to total assets | 86.3836% | 2,720 |
| Equity capital to assets | 9.2017% | 5,084 |
| Core capital (leverage) ratio | 9.1854% | 4,738 |
| Tier 1 risk-based capital ratio | 11.5614% | 5,520 |
| Total risk-based capital ratio | 12.6419% | 5,524 |
| Memoranda: | ||
| Average total assets | $1,239,272,000 | 565 |
| Average earning assets | $1,165,470,500 | 553 |
| Average equity | $114,484,000 | 670 |
| Average total loans | $913,312,000 | 516 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5590% | 50 |
| Cost of funding earning assets | 0.9368% | 313 |
| Net interest margin | 6.6222% | 58 |
| Noninterest income to average assets | 2.0908% | 317 |
| Noninterest expense to average assets | 5.5072% | 228 |
| Loan and lease loss provision to assets | 0.3613% | 519 |
| Net operating income to assets | 1.6810% | 598 |
| Return on assets (ROA) | 1.6800% | 626 |
| Pretax return on assets | 2.4313% | 216 |
| Return on Equity (ROE) | 17.8072% | 416 |
| Retained earnings to average equity (ytd only) | 14.0384% | 175 |
| Net charge-offs to loans | 0.4978% | 827 |
| Credit loss provision to net charge-offs | 96.2672% | 2,510 |
| Earnings coverage of net charge-offs (x) | 7.4451% | 3,032 |
| Efficiency ratio | 66.3421% | 4,193 |
| Assets per employee ($millions) | 3.3791% | 5,111 |
| Cash dividends to net income (ytd only)* | 21.1642% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 4,510 |
| Loan loss allowance to noncurrent loans | 41.5614% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.1158% | 1,172 |
| Noncurrent loans to loans | 2.6606% | 919 |
| Net loans and leases to total assets | 74.2767% | 1,539 |
| Net loans and leases to deposits | 91.1162% | 1,390 |
| Net loans and leases to core deposits | 103.1748% | 1,174 |
| Total domestic deposits to total assets | 81.5186% | 4,589 |
| Equity capital to assets | 9.2755% | 4,973 |
| Core capital (leverage) ratio | 9.3199% | 4,512 |
| Tier 1 risk-based capital ratio | 11.4767% | 5,676 |
| Total risk-based capital ratio | 12.5116% | 5,713 |
| Memoranda: | ||
| Average total assets | $1,120,742,400 | 603 |
| Average earning assets | $1,051,058,600 | 581 |
| Average equity | $105,738,400 | 689 |
| Average total loans | $844,938,400 | 528 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6315% | 51 |
| Cost of funding earning assets | 0.9194% | 371 |
| Net interest margin | 6.7122% | 56 |
| Noninterest income to average assets | 2.0659% | 326 |
| Noninterest expense to average assets | 5.5364% | 227 |
| Loan and lease loss provision to assets | 0.3719% | 471 |
| Net operating income to assets | 1.6045% | 744 |
| Return on assets (ROA) | 1.6040% | 780 |
| Pretax return on assets | 2.4454% | 234 |
| Return on Equity (ROE) | 16.9219% | 559 |
| Retained earnings to average equity (ytd only) | 13.0858% | 326 |
| Net charge-offs to loans | 0.1367% | 2,429 |
| Credit loss provision to net charge-offs | 360.4953% | 783 |
| Earnings coverage of net charge-offs (x) | 27.3160% | 1,454 |
| Efficiency ratio | 66.2691% | 4,177 |
| Assets per employee ($millions) | 3.2902% | 5,257 |
| Cash dividends to net income (ytd only)* | 22.6697% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 3,177 |
| Loan loss allowance to noncurrent loans | 55.1306% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.0184% | 1,412 |
| Noncurrent loans to loans | 2.5398% | 1,147 |
| Net loans and leases to total assets | 73.4802% | 1,601 |
| Net loans and leases to deposits | 87.3311% | 1,749 |
| Net loans and leases to core deposits | 99.3144% | 1,429 |
| Total domestic deposits to total assets | 84.1398% | 3,704 |
| Equity capital to assets | 9.1424% | 5,219 |
| Core capital (leverage) ratio | 9.2275% | 4,740 |
| Tier 1 risk-based capital ratio | 11.3884% | 5,843 |
| Total risk-based capital ratio | 12.6392% | 5,776 |
| Memoranda: | ||
| Average total assets | $1,095,967,500 | 613 |
| Average earning assets | $1,026,784,250 | 597 |
| Average equity | $103,886,500 | 702 |
| Average total loans | $827,125,750 | 534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5604% | 51 |
| Cost of funding earning assets | 0.8946% | 441 |
| Net interest margin | 6.6658% | 58 |
| Noninterest income to average assets | 1.9959% | 345 |
| Noninterest expense to average assets | 5.6301% | 217 |
| Loan and lease loss provision to assets | 0.1668% | 1,467 |
| Net operating income to assets | 1.6091% | 693 |
| Return on assets (ROA) | 1.6072% | 727 |
| Pretax return on assets | 2.4299% | 244 |
| Return on Equity (ROE) | 16.7323% | 580 |
| Retained earnings to average equity (ytd only) | 12.8252% | 352 |
| Net charge-offs to loans | 0.1286% | 2,380 |
| Credit loss provision to net charge-offs | 171.0425% | 1,330 |
| Earnings coverage of net charge-offs (x) | 26.6506% | 1,361 |
| Efficiency ratio | 68.4118% | 3,937 |
| Assets per employee ($millions) | 3.2572% | 5,328 |
| Cash dividends to net income (ytd only)* | 23.3509% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,243 |
| Loan loss allowance to noncurrent loans | 47.3663% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.0787% | 1,514 |
| Noncurrent loans to loans | 2.6085% | 1,171 |
| Net loans and leases to total assets | 73.6658% | 1,481 |
| Net loans and leases to deposits | 87.5521% | 1,648 |
| Net loans and leases to core deposits | 99.0100% | 1,369 |
| Total domestic deposits to total assets | 84.1394% | 3,878 |
| Equity capital to assets | 9.2164% | 5,086 |
| Core capital (leverage) ratio | 9.4736% | 4,366 |
| Tier 1 risk-based capital ratio | 11.2195% | 5,945 |
| Total risk-based capital ratio | 12.3685% | 5,933 |
| Memoranda: | ||
| Average total assets | $1,062,082,000 | 630 |
| Average earning assets | $993,249,000 | 605 |
| Average equity | $102,018,000 | 711 |
| Average total loans | $805,329,670 | 544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6018% | 51 |
| Cost of funding earning assets | 0.8859% | 488 |
| Net interest margin | 6.7159% | 55 |
| Noninterest income to average assets | 2.1683% | 297 |
| Noninterest expense to average assets | 6.0380% | 186 |
| Loan and lease loss provision to assets | 0.2376% | 930 |
| Net operating income to assets | 1.3841% | 1,023 |
| Return on assets (ROA) | 1.3841% | 1,064 |
| Pretax return on assets | 2.1490% | 391 |
| Return on Equity (ROE) | 14.0843% | 933 |
| Retained earnings to average equity (ytd only) | 10.0900% | 938 |
| Net charge-offs to loans | 0.1462% | 1,844 |
| Credit loss provision to net charge-offs | 212.3239% | 992 |
| Earnings coverage of net charge-offs (x) | 21.3239% | 1,295 |
| Efficiency ratio | 71.6705% | 3,546 |
| Assets per employee ($millions) | 2.9341% | 5,937 |
| Cash dividends to net income (ytd only)* | 28.3599% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,984 |
| Loan loss allowance to noncurrent loans | 49.4522% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.2379% | 1,475 |
| Noncurrent loans to loans | 2.6789% | 1,264 |
| Net loans and leases to total assets | 75.4260% | 1,067 |
| Net loans and leases to deposits | 86.6851% | 1,507 |
| Net loans and leases to core deposits | 97.4688% | 1,280 |
| Total domestic deposits to total assets | 87.0115% | 2,803 |
| Equity capital to assets | 9.6729% | 4,264 |
| Core capital (leverage) ratio | 9.7755% | 3,894 |
| Tier 1 risk-based capital ratio | 11.7483% | 5,788 |
| Total risk-based capital ratio | 12.9941% | 5,726 |
| Memoranda: | ||
| Average total assets | $1,014,974,000 | 662 |
| Average earning assets | $945,515,500 | 641 |
| Average equity | $99,742,500 | 729 |
| Average total loans | $776,768,500 | 561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2941% | 57 |
| Cost of funding earning assets | 0.9773% | 507 |
| Net interest margin | 6.3168% | 61 |
| Noninterest income to average assets | 2.7077% | 256 |
| Noninterest expense to average assets | 5.9598% | 204 |
| Loan and lease loss provision to assets | 0.3556% | 882 |
| Net operating income to assets | 1.4841% | 851 |
| Return on assets (ROA) | 1.4868% | 892 |
| Pretax return on assets | 2.2840% | 271 |
| Return on Equity (ROE) | 15.3268% | 710 |
| Retained earnings to average equity (ytd only) | 12.4146% | 280 |
| Net charge-offs to loans | 0.5824% | 1,135 |
| Credit loss provision to net charge-offs | 81.2233% | 3,013 |
| Earnings coverage of net charge-offs (x) | 6.0202% | 3,150 |
| Efficiency ratio | 69.3388% | 3,947 |
| Assets per employee ($millions) | 2.8560% | 6,032 |
| Cash dividends to net income (ytd only)* | 19.0004% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 3,814 |
| Loan loss allowance to noncurrent loans | 38.6012% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.8556% | 1,130 |
| Noncurrent loans to loans | 3.5401% | 875 |
| Net loans and leases to total assets | 75.5821% | 1,132 |
| Net loans and leases to deposits | 87.8570% | 1,479 |
| Net loans and leases to core deposits | 96.0838% | 1,454 |
| Total domestic deposits to total assets | 86.0285% | 3,246 |
| Equity capital to assets | 9.9915% | 3,785 |
| Core capital (leverage) ratio | 9.8528% | 3,768 |
| Tier 1 risk-based capital ratio | 12.4044% | 5,349 |
| Total risk-based capital ratio | 13.6552% | 5,292 |
| Memoranda: | ||
| Average total assets | $963,531,600 | 681 |
| Average earning assets | $898,048,800 | 662 |
| Average equity | $93,470,400 | 751 |
| Average total loans | $724,234,000 | 583 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1686% | 59 |
| Cost of funding earning assets | 1.0026% | 486 |
| Net interest margin | 6.1661% | 68 |
| Noninterest income to average assets | 2.9194% | 248 |
| Noninterest expense to average assets | 6.0463% | 200 |
| Loan and lease loss provision to assets | 0.1840% | 1,976 |
| Net operating income to assets | 1.5983% | 752 |
| Return on assets (ROA) | 1.5986% | 796 |
| Pretax return on assets | 2.4405% | 259 |
| Return on Equity (ROE) | 16.6068% | 577 |
| Retained earnings to average equity (ytd only) | 14.1135% | 245 |
| Net charge-offs to loans | 0.4001% | 1,602 |
| Credit loss provision to net charge-offs | 61.4777% | 3,268 |
| Earnings coverage of net charge-offs (x) | 8.7681% | 2,579 |
| Efficiency ratio | 69.7365% | 3,801 |
| Assets per employee ($millions) | 2.8044% | 6,143 |
| Cash dividends to net income (ytd only)* | 15.0139% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 3,925 |
| Loan loss allowance to noncurrent loans | 34.4989% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 3.3703% | 1,025 |
| Noncurrent loans to loans | 4.0382% | 857 |
| Net loans and leases to total assets | 73.9208% | 1,302 |
| Net loans and leases to deposits | 84.7081% | 1,775 |
| Net loans and leases to core deposits | 93.1146% | 1,654 |
| Total domestic deposits to total assets | 87.2654% | 2,521 |
| Equity capital to assets | 9.8217% | 4,148 |
| Core capital (leverage) ratio | 9.8092% | 3,943 |
| Tier 1 risk-based capital ratio | 12.4876% | 5,466 |
| Total risk-based capital ratio | 13.7386% | 5,407 |
| Memoranda: | ||
| Average total assets | $958,796,750 | 687 |
| Average earning assets | $894,227,500 | 669 |
| Average equity | $92,297,000 | 763 |
| Average total loans | $717,077,500 | 586 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0755% | 60 |
| Cost of funding earning assets | 1.0329% | 461 |
| Net interest margin | 6.0426% | 79 |
| Noninterest income to average assets | 2.9066% | 266 |
| Noninterest expense to average assets | 6.0464% | 205 |
| Loan and lease loss provision to assets | 0.0877% | 3,329 |
| Net operating income to assets | 1.5652% | 798 |
| Return on assets (ROA) | 1.5658% | 865 |
| Pretax return on assets | 2.4119% | 304 |
| Return on Equity (ROE) | 16.3800% | 623 |
| Retained earnings to average equity (ytd only) | 14.7743% | 251 |
| Net charge-offs to loans | 0.3061% | 1,960 |
| Credit loss provision to net charge-offs | 38.3272% | 3,451 |
| Earnings coverage of net charge-offs (x) | 10.9228% | 2,105 |
| Efficiency ratio | 70.7586% | 3,683 |
| Assets per employee ($millions) | 2.9271% | 5,977 |
| Cash dividends to net income (ytd only)* | 9.8026% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 3,931 |
| Loan loss allowance to noncurrent loans | 36.4959% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 3.2874% | 1,197 |
| Noncurrent loans to loans | 3.8995% | 1,017 |
| Net loans and leases to total assets | 73.9695% | 1,252 |
| Net loans and leases to deposits | 85.9034% | 1,585 |
| Net loans and leases to core deposits | 94.8549% | 1,449 |
| Total domestic deposits to total assets | 86.1078% | 3,305 |
| Equity capital to assets | 9.5718% | 4,489 |
| Core capital (leverage) ratio | 9.7273% | 3,899 |
| Tier 1 risk-based capital ratio | 12.3378% | 5,604 |
| Total risk-based capital ratio | 13.5896% | 5,549 |
| Memoranda: | ||
| Average total assets | $951,214,000 | 695 |
| Average earning assets | $887,594,000 | 676 |
| Average equity | $90,928,000 | 780 |
| Average total loans | $710,831,000 | 586 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0277% | 60 |
| Cost of funding earning assets | 1.0833% | 406 |
| Net interest margin | 5.9444% | 84 |
| Noninterest income to average assets | 2.8131% | 275 |
| Noninterest expense to average assets | 6.1631% | 197 |
| Loan and lease loss provision to assets | 0.1775% | 2,093 |
| Net operating income to assets | 1.2771% | 1,338 |
| Return on assets (ROA) | 1.2782% | 1,435 |
| Pretax return on assets | 2.0135% | 576 |
| Return on Equity (ROE) | 13.3804% | 1,083 |
| Retained earnings to average equity (ytd only) | 10.1266% | 1,076 |
| Net charge-offs to loans | 0.3392% | 1,624 |
| Credit loss provision to net charge-offs | 70.2020% | 2,291 |
| Earnings coverage of net charge-offs (x) | 8.6566% | 1,925 |
| Efficiency ratio | 73.7880% | 3,302 |
| Assets per employee ($millions) | 2.8844% | 6,168 |
| Cash dividends to net income (ytd only)* | 24.3171% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,549 |
| Loan loss allowance to noncurrent loans | 42.9506% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 3.1028% | 1,426 |
| Noncurrent loans to loans | 3.6433% | 1,303 |
| Net loans and leases to total assets | 72.9371% | 1,214 |
| Net loans and leases to deposits | 84.3373% | 1,557 |
| Net loans and leases to core deposits | 93.6210% | 1,369 |
| Total domestic deposits to total assets | 86.4827% | 3,246 |
| Equity capital to assets | 9.6608% | 4,623 |
| Core capital (leverage) ratio | 9.5180% | 4,052 |
| Tier 1 risk-based capital ratio | 12.4714% | 5,597 |
| Total risk-based capital ratio | 13.7251% | 5,542 |
| Memoranda: | ||
| Average total assets | $939,467,000 | 714 |
| Average earning assets | $875,446,000 | 692 |
| Average equity | $89,743,500 | 793 |
| Average total loans | $700,548,500 | 596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5543% | 57 |
| Cost of funding earning assets | 1.2979% | 378 |
| Net interest margin | 6.2564% | 71 |
| Noninterest income to average assets | 2.0781% | 409 |
| Noninterest expense to average assets | 5.7388% | 245 |
| Loan and lease loss provision to assets | 0.4495% | 1,403 |
| Net operating income to assets | 1.0546% | 2,103 |
| Return on assets (ROA) | 1.0446% | 2,346 |
| Pretax return on assets | 1.6629% | 1,233 |
| Return on Equity (ROE) | 11.6126% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.6126% | 361 |
| Net charge-offs to loans | 0.6509% | 1,809 |
| Credit loss provision to net charge-offs | 92.5366% | 3,371 |
| Earnings coverage of net charge-offs (x) | 4.3804% | 3,387 |
| Efficiency ratio | 72.9501% | 3,250 |
| Assets per employee ($millions) | 2.8792% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,429 |
| Loan loss allowance to noncurrent loans | 43.4118% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 3.1863% | 1,459 |
| Noncurrent loans to loans | 3.6236% | 1,352 |
| Net loans and leases to total assets | 73.8612% | 1,215 |
| Net loans and leases to deposits | 86.1933% | 1,493 |
| Net loans and leases to core deposits | 95.8773% | 1,316 |
| Total domestic deposits to total assets | 85.6926% | 3,517 |
| Equity capital to assets | 9.4442% | 4,944 |
| Core capital (leverage) ratio | 9.3044% | 4,410 |
| Tier 1 risk-based capital ratio | 12.3060% | 5,597 |
| Total risk-based capital ratio | 13.5602% | 5,547 |
| Memoranda: | ||
| Average total assets | $912,944,000 | 722 |
| Average earning assets | $844,684,600 | 707 |
| Average equity | $82,126,600 | 856 |
| Average total loans | $681,394,800 | 608 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5677% | 58 |
| Cost of funding earning assets | 1.3421% | 369 |
| Net interest margin | 6.2257% | 73 |
| Noninterest income to average assets | 1.8622% | 463 |
| Noninterest expense to average assets | 5.6026% | 253 |
| Loan and lease loss provision to assets | 0.4971% | 1,235 |
| Net operating income to assets | 0.9229% | 2,864 |
| Return on assets (ROA) | 0.9123% | 3,145 |
| Pretax return on assets | 1.5017% | 1,871 |
| Return on Equity (ROE) | 10.2742% | 2,222 |
| Retained earnings to average equity (ytd only) | 10.2742% | 841 |
| Net charge-offs to loans | 0.7114% | 1,553 |
| Credit loss provision to net charge-offs | 93.7587% | 3,182 |
| Earnings coverage of net charge-offs (x) | 3.8008% | 3,504 |
| Efficiency ratio | 73.5457% | 3,060 |
| Assets per employee ($millions) | 2.9405% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,513 |
| Loan loss allowance to noncurrent loans | 40.3594% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 3.5466% | 1,410 |
| Noncurrent loans to loans | 3.9671% | 1,304 |
| Net loans and leases to total assets | 74.2195% | 1,217 |
| Net loans and leases to deposits | 87.1398% | 1,461 |
| Net loans and leases to core deposits | 97.4583% | 1,304 |
| Total domestic deposits to total assets | 85.1729% | 3,674 |
| Equity capital to assets | 9.2314% | 5,554 |
| Core capital (leverage) ratio | 9.0540% | 4,981 |
| Tier 1 risk-based capital ratio | 11.9089% | 5,988 |
| Total risk-based capital ratio | 13.1634% | 5,976 |
| Memoranda: | ||
| Average total assets | $906,527,750 | 732 |
| Average earning assets | $838,097,750 | 718 |
| Average equity | $80,497,250 | 871 |
| Average total loans | $675,656,500 | 612 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4691% | 62 |
| Cost of funding earning assets | 1.3919% | 360 |
| Net interest margin | 6.0773% | 85 |
| Noninterest income to average assets | 1.7688% | 494 |
| Noninterest expense to average assets | 5.7136% | 245 |
| Loan and lease loss provision to assets | 0.6834% | 821 |
| Net operating income to assets | 0.5998% | 4,371 |
| Return on assets (ROA) | 0.6020% | 4,613 |
| Pretax return on assets | 0.9838% | 3,775 |
| Return on Equity (ROE) | 6.8732% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.8732% | 2,171 |
| Net charge-offs to loans | 0.9449% | 1,168 |
| Credit loss provision to net charge-offs | 97.4335% | 2,844 |
| Earnings coverage of net charge-offs (x) | 2.3720% | 3,816 |
| Efficiency ratio | 77.4491% | 2,528 |
| Assets per employee ($millions) | 2.8537% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,454 |
| Loan loss allowance to noncurrent loans | 33.6332% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 4.2198% | 1,187 |
| Noncurrent loans to loans | 4.8821% | 1,028 |
| Net loans and leases to total assets | 75.0229% | 1,098 |
| Net loans and leases to deposits | 87.7273% | 1,396 |
| Net loans and leases to core deposits | 98.5590% | 1,212 |
| Total domestic deposits to total assets | 85.5183% | 3,596 |
| Equity capital to assets | 8.9180% | 5,783 |
| Core capital (leverage) ratio | 8.7125% | 5,356 |
| Tier 1 risk-based capital ratio | 11.4194% | 6,269 |
| Total risk-based capital ratio | 12.6742% | 6,240 |
| Memoranda: | ||
| Average total assets | $899,955,670 | 739 |
| Average earning assets | $830,536,670 | 727 |
| Average equity | $78,828,000 | 883 |
| Average total loans | $667,995,330 | 623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5120% | 68 |
| Cost of funding earning assets | 1.4360% | 371 |
| Net interest margin | 6.0760% | 96 |
| Noninterest income to average assets | 1.5762% | 582 |
| Noninterest expense to average assets | 5.6073% | 248 |
| Loan and lease loss provision to assets | 0.4314% | 1,452 |
| Net operating income to assets | 0.7273% | 3,746 |
| Return on assets (ROA) | 0.7099% | 4,058 |
| Pretax return on assets | 1.1047% | 3,307 |
| Return on Equity (ROE) | 8.1792% | 3,203 |
| Retained earnings to average equity (ytd only) | 8.1792% | 1,915 |
| Net charge-offs to loans | 0.8414% | 1,224 |
| Credit loss provision to net charge-offs | 70.0434% | 2,911 |
| Earnings coverage of net charge-offs (x) | 2.5384% | 3,155 |
| Efficiency ratio | 78.1990% | 2,464 |
| Assets per employee ($millions) | 2.8126% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 3,456 |
| Loan loss allowance to noncurrent loans | 33.0876% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 4.2649% | 1,276 |
| Noncurrent loans to loans | 5.0524% | 1,107 |
| Net loans and leases to total assets | 70.7617% | 1,620 |
| Net loans and leases to deposits | 83.2739% | 1,757 |
| Net loans and leases to core deposits | 96.2615% | 1,281 |
| Total domestic deposits to total assets | 84.9747% | 4,057 |
| Equity capital to assets | 8.7071% | 5,865 |
| Core capital (leverage) ratio | 8.7653% | 5,175 |
| Tier 1 risk-based capital ratio | 11.6290% | 6,201 |
| Total risk-based capital ratio | 12.8838% | 6,176 |
| Memoranda: | ||
| Average total assets | $897,617,000 | 740 |
| Average earning assets | $826,468,000 | 731 |
| Average equity | $77,904,500 | 894 |
| Average total loans | $656,987,000 | 634 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5031% | 68 |
| Cost of funding earning assets | 1.6141% | 448 |
| Net interest margin | 5.8890% | 103 |
| Noninterest income to average assets | 2.4668% | 276 |
| Noninterest expense to average assets | 5.6532% | 247 |
| Loan and lease loss provision to assets | 1.0528% | 878 |
| Net operating income to assets | 0.7746% | 3,154 |
| Return on assets (ROA) | 0.5748% | 4,305 |
| Pretax return on assets | 0.9611% | 3,387 |
| Return on Equity (ROE) | 6.7785% | 3,500 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,249 |
| Net charge-offs to loans | 1.3665% | 1,205 |
| Credit loss provision to net charge-offs | 104.1550% | 3,308 |
| Earnings coverage of net charge-offs (x) | 2.1913% | 4,142 |
| Efficiency ratio | 71.8494% | 3,606 |
| Assets per employee ($millions) | 2.7622% | 6,512 |
| Cash dividends to net income (ytd only)* | 17.6390% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 3,060 |
| Loan loss allowance to noncurrent loans | 33.9906% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 4.5271% | 1,210 |
| Noncurrent loans to loans | 5.1164% | 1,093 |
| Net loans and leases to total assets | 73.1708% | 1,420 |
| Net loans and leases to deposits | 87.0994% | 1,505 |
| Net loans and leases to core deposits | 102.2345% | 1,006 |
| Total domestic deposits to total assets | 84.0084% | 4,310 |
| Equity capital to assets | 8.6499% | 5,957 |
| Core capital (leverage) ratio | 8.6639% | 5,306 |
| Tier 1 risk-based capital ratio | 11.4873% | 6,164 |
| Total risk-based capital ratio | 12.7430% | 6,152 |
| Memoranda: | ||
| Average total assets | $885,757,000 | 740 |
| Average earning assets | $812,413,800 | 725 |
| Average equity | $75,105,000 | 896 |
| Average total loans | $655,156,600 | 631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4700% | 72 |
| Cost of funding earning assets | 1.6388% | 500 |
| Net interest margin | 5.8312% | 108 |
| Noninterest income to average assets | 2.5776% | 259 |
| Noninterest expense to average assets | 5.4782% | 264 |
| Loan and lease loss provision to assets | 1.0950% | 750 |
| Net operating income to assets | 0.8487% | 2,948 |
| Return on assets (ROA) | 0.5857% | 4,335 |
| Pretax return on assets | 1.1004% | 3,011 |
| Return on Equity (ROE) | 6.9421% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.3420% | 2,957 |
| Net charge-offs to loans | 1.3209% | 1,160 |
| Credit loss provision to net charge-offs | 112.2688% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.5072% | 3,878 |
| Efficiency ratio | 69.1375% | 4,107 |
| Assets per employee ($millions) | 2.7859% | 6,513 |
| Cash dividends to net income (ytd only)* | 23.0492% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 2,793 |
| Loan loss allowance to noncurrent loans | 29.4572% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 5.5033% | 1,016 |
| Noncurrent loans to loans | 6.2600% | 867 |
| Net loans and leases to total assets | 71.5594% | 1,807 |
| Net loans and leases to deposits | 85.6419% | 1,732 |
| Net loans and leases to core deposits | 105.8702% | 875 |
| Total domestic deposits to total assets | 83.5566% | 4,455 |
| Equity capital to assets | 8.5721% | 6,228 |
| Core capital (leverage) ratio | 8.5323% | 5,660 |
| Tier 1 risk-based capital ratio | 11.8715% | 5,984 |
| Total risk-based capital ratio | 13.1291% | 5,957 |
| Memoranda: | ||
| Average total assets | $886,910,250 | 745 |
| Average earning assets | $813,115,750 | 733 |
| Average equity | $74,826,750 | 907 |
| Average total loans | $654,908,000 | 637 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4802% | 72 |
| Cost of funding earning assets | 1.6706% | 530 |
| Net interest margin | 5.8095% | 108 |
| Noninterest income to average assets | 2.4506% | 279 |
| Noninterest expense to average assets | 5.3861% | 282 |
| Loan and lease loss provision to assets | 1.2408% | 616 |
| Net operating income to assets | 0.8725% | 2,755 |
| Return on assets (ROA) | 0.5212% | 4,551 |
| Pretax return on assets | 0.8022% | 4,019 |
| Return on Equity (ROE) | 6.2106% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.2106% | 2,292 |
| Net charge-offs to loans | 0.7812% | 1,941 |
| Credit loss provision to net charge-offs | 214.2136% | 1,401 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 2,959 |
| Efficiency ratio | 69.3426% | 4,251 |
| Assets per employee ($millions) | 2.8559% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 2,068 |
| Loan loss allowance to noncurrent loans | 34.0660% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 5.6867% | 1,020 |
| Noncurrent loans to loans | 6.2339% | 926 |
| Net loans and leases to total assets | 73.0132% | 1,591 |
| Net loans and leases to deposits | 87.8814% | 1,518 |
| Net loans and leases to core deposits | 109.3707% | 739 |
| Total domestic deposits to total assets | 83.0815% | 4,719 |
| Equity capital to assets | 8.5989% | 6,057 |
| Core capital (leverage) ratio | 8.4477% | 5,633 |
| Tier 1 risk-based capital ratio | 11.9732% | 5,807 |
| Total risk-based capital ratio | 13.2356% | 5,767 |
| Memoranda: | ||
| Average total assets | $889,096,670 | 750 |
| Average earning assets | $813,696,670 | 746 |
| Average equity | $74,614,000 | 910 |
| Average total loans | $659,274,330 | 642 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5990% | 72 |
| Cost of funding earning assets | 1.6942% | 564 |
| Net interest margin | 5.9048% | 106 |
| Noninterest income to average assets | 1.5042% | 574 |
| Noninterest expense to average assets | 5.3182% | 288 |
| Loan and lease loss provision to assets | 0.2120% | 3,528 |
| Net operating income to assets | 0.9020% | 2,554 |
| Return on assets (ROA) | 0.9238% | 2,524 |
| Pretax return on assets | 1.3855% | 1,763 |
| Return on Equity (ROE) | 11.1437% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.1437% | 876 |
| Net charge-offs to loans | 0.8306% | 1,584 |
| Credit loss provision to net charge-offs | 34.5255% | 4,043 |
| Earnings coverage of net charge-offs (x) | 2.5657% | 3,057 |
| Efficiency ratio | 77.1456% | 2,962 |
| Assets per employee ($millions) | 2.9430% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,942 |
| Loan loss allowance to noncurrent loans | 27.7149% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 5.3901% | 1,142 |
| Noncurrent loans to loans | 5.6078% | 1,161 |
| Net loans and leases to total assets | 71.8040% | 1,762 |
| Net loans and leases to deposits | 86.5253% | 1,648 |
| Net loans and leases to core deposits | 109.0372% | 784 |
| Total domestic deposits to total assets | 82.9862% | 4,939 |
| Equity capital to assets | 8.3949% | 6,060 |
| Core capital (leverage) ratio | 8.4384% | 5,561 |
| Tier 1 risk-based capital ratio | 11.9022% | 5,777 |
| Total risk-based capital ratio | 13.1569% | 5,766 |
| Memoranda: | ||
| Average total assets | $892,405,000 | 752 |
| Average earning assets | $814,527,500 | 752 |
| Average equity | $73,979,000 | 906 |
| Average total loans | $659,758,000 | 650 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3197% | 56 |
| Cost of funding earning assets | 2.1070% | 417 |
| Net interest margin | 6.2127% | 86 |
| Noninterest income to average assets | 1.4181% | 723 |
| Noninterest expense to average assets | 5.3132% | 336 |
| Loan and lease loss provision to assets | 1.0217% | 1,586 |
| Net operating income to assets | 0.9798% | 2,109 |
| Return on assets (ROA) | 0.8616% | 2,690 |
| Pretax return on assets | 0.6705% | 4,093 |
| Return on Equity (ROE) | 11.9469% | 1,324 |
| Retained earnings to average equity (ytd only) | 11.1635% | 359 |
| Net charge-offs to loans | 1.2563% | 1,786 |
| Credit loss provision to net charge-offs | 110.0148% | 4,006 |
| Earnings coverage of net charge-offs (x) | 1.9494% | 4,268 |
| Efficiency ratio | 74.5863% | 3,278 |
| Assets per employee ($millions) | 2.9089% | 6,305 |
| Cash dividends to net income (ytd only)* | 6.5578% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 3,377 |
| Loan loss allowance to noncurrent loans | 30.6078% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 5.3923% | 1,151 |
| Noncurrent loans to loans | 5.4076% | 1,217 |
| Net loans and leases to total assets | 73.6880% | 1,725 |
| Net loans and leases to deposits | 88.9556% | 1,656 |
| Net loans and leases to core deposits | 113.5219% | 745 |
| Total domestic deposits to total assets | 82.8368% | 4,868 |
| Equity capital to assets | 8.1842% | 6,277 |
| Core capital (leverage) ratio | 8.0997% | 6,017 |
| Tier 1 risk-based capital ratio | 11.6021% | 5,820 |
| Total risk-based capital ratio | 12.8585% | 5,824 |
| Memoranda: | ||
| Average total assets | $945,124,200 | 710 |
| Average earning assets | $867,951,600 | 697 |
| Average equity | $68,159,800 | 987 |
| Average total loans | $698,665,200 | 627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0411% | 57 |
| Cost of funding earning assets | 2.1526% | 446 |
| Net interest margin | 5.8885% | 106 |
| Noninterest income to average assets | 1.4026% | 689 |
| Noninterest expense to average assets | 5.1665% | 329 |
| Loan and lease loss provision to assets | 0.8531% | 1,778 |
| Net operating income to assets | 1.0550% | 2,054 |
| Return on assets (ROA) | 1.0683% | 2,121 |
| Pretax return on assets | 0.8102% | 3,867 |
| Return on Equity (ROE) | 15.2921% | 816 |
| Retained earnings to average equity (ytd only) | 14.2292% | 261 |
| Net charge-offs to loans | 1.1316% | 1,802 |
| Credit loss provision to net charge-offs | 102.3012% | 4,208 |
| Earnings coverage of net charge-offs (x) | 1.9787% | 4,232 |
| Efficiency ratio | 75.7945% | 2,990 |
| Assets per employee ($millions) | 2.9490% | 6,267 |
| Cash dividends to net income (ytd only)* | 6.9504% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 4,121 |
| Loan loss allowance to noncurrent loans | 24.9994% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 5.9591% | 1,004 |
| Noncurrent loans to loans | 5.8673% | 1,092 |
| Net loans and leases to total assets | 76.6617% | 1,292 |
| Net loans and leases to deposits | 93.2228% | 1,296 |
| Net loans and leases to core deposits | 120.2250% | 603 |
| Total domestic deposits to total assets | 82.2349% | 4,899 |
| Equity capital to assets | 8.0255% | 6,784 |
| Core capital (leverage) ratio | 7.9568% | 6,411 |
| Tier 1 risk-based capital ratio | 10.9993% | 6,388 |
| Total risk-based capital ratio | 12.2534% | 6,359 |
| Memoranda: | ||
| Average total assets | $958,873,750 | 698 |
| Average earning assets | $881,577,750 | 683 |
| Average equity | $66,987,250 | 999 |
| Average total loans | $706,592,750 | 620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0555% | 62 |
| Cost of funding earning assets | 2.1665% | 513 |
| Net interest margin | 5.8890% | 109 |
| Noninterest income to average assets | 1.5260% | 551 |
| Noninterest expense to average assets | 5.1901% | 328 |
| Loan and lease loss provision to assets | 0.4288% | 3,182 |
| Net operating income to assets | 1.3307% | 1,237 |
| Return on assets (ROA) | 1.3837% | 1,188 |
| Pretax return on assets | 1.3837% | 1,876 |
| Return on Equity (ROE) | 20.7561% | 271 |
| Retained earnings to average equity (ytd only) | 19.1175% | 101 |
| Net charge-offs to loans | 1.1400% | 1,666 |
| Credit loss provision to net charge-offs | 51.9326% | 5,376 |
| Earnings coverage of net charge-offs (x) | 2.1311% | 3,952 |
| Efficiency ratio | 74.6828% | 3,335 |
| Assets per employee ($millions) | 2.9581% | 6,229 |
| Cash dividends to net income (ytd only)* | 7.8947% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 5,589 |
| Loan loss allowance to noncurrent loans | 22.5403% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 5.4085% | 1,148 |
| Noncurrent loans to loans | 5.2017% | 1,314 |
| Net loans and leases to total assets | 75.8008% | 1,526 |
| Net loans and leases to deposits | 91.6356% | 1,592 |
| Net loans and leases to core deposits | 118.0657% | 766 |
| Total domestic deposits to total assets | 82.7198% | 4,687 |
| Equity capital to assets | 7.4615% | 7,133 |
| Core capital (leverage) ratio | 6.9301% | 7,228 |
| Tier 1 risk-based capital ratio | 10.8580% | 6,393 |
| Total risk-based capital ratio | 12.1089% | 6,377 |
| Memoranda: | ||
| Average total assets | $977,703,670 | 674 |
| Average earning assets | $900,427,000 | 664 |
| Average equity | $65,176,000 | 1,024 |
| Average total loans | $708,096,670 | 623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7938% | 84 |
| Cost of funding earning assets | 2.1177% | 764 |
| Net interest margin | 5.6761% | 144 |
| Noninterest income to average assets | 1.2251% | 817 |
| Noninterest expense to average assets | 4.7535% | 458 |
| Loan and lease loss provision to assets | 0.5710% | 2,211 |
| Net operating income to assets | 1.1439% | 1,694 |
| Return on assets (ROA) | 0.8959% | 2,632 |
| Pretax return on assets | 0.8959% | 3,486 |
| Return on Equity (ROE) | 14.2061% | 1,016 |
| Retained earnings to average equity (ytd only) | 10.8509% | 951 |
| Net charge-offs to loans | 1.0287% | 1,600 |
| Credit loss provision to net charge-offs | 78.7432% | 3,909 |
| Earnings coverage of net charge-offs (x) | 2.3650% | 3,359 |
| Efficiency ratio | 73.4885% | 3,665 |
| Assets per employee ($millions) | 3.4383% | 5,183 |
| Cash dividends to net income (ytd only)* | 23.6179% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,448 |
| Loan loss allowance to noncurrent loans | 26.5437% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 4.6473% | 1,431 |
| Noncurrent loans to loans | 5.2533% | 1,355 |
| Net loans and leases to total assets | 66.7635% | 3,686 |
| Net loans and leases to deposits | 79.0104% | 3,834 |
| Net loans and leases to core deposits | 100.0026% | 2,128 |
| Total domestic deposits to total assets | 84.4996% | 3,894 |
| Equity capital to assets | 6.2669% | 7,580 |
| Core capital (leverage) ratio | 6.2413% | 7,542 |
| Tier 1 risk-based capital ratio | 10.1282% | 6,947 |
| Total risk-based capital ratio | 11.3821% | 6,933 |
| Memoranda: | ||
| Average total assets | $1,009,530,000 | 672 |
| Average earning assets | $932,537,500 | 660 |
| Average equity | $63,663,000 | 1,050 |
| Average total loans | $711,606,000 | 637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6902% | 106 |
| Cost of funding earning assets | 2.4781% | 1,077 |
| Net interest margin | 5.2121% | 283 |
| Noninterest income to average assets | 1.2440% | 974 |
| Noninterest expense to average assets | 4.5646% | 748 |
| Loan and lease loss provision to assets | 1.2013% | 1,917 |
| Net operating income to assets | 0.3185% | 4,458 |
| Return on assets (ROA) | 0.3724% | 4,340 |
| Pretax return on assets | 0.3724% | 4,575 |
| Return on Equity (ROE) | 5.9593% | 3,227 |
| Retained earnings to average equity (ytd only) | 1.9050% | 3,763 |
| Net charge-offs to loans | 1.4381% | 1,743 |
| Credit loss provision to net charge-offs | 111.8620% | 4,905 |
| Earnings coverage of net charge-offs (x) | 1.4152% | 4,710 |
| Efficiency ratio | 75.0214% | 3,709 |
| Assets per employee ($millions) | 3.3588% | 5,342 |
| Cash dividends to net income (ytd only)* | 68.0323% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 4,202 |
| Loan loss allowance to noncurrent loans | 27.3324% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 4.8392% | 1,295 |
| Noncurrent loans to loans | 5.1450% | 1,296 |
| Net loans and leases to total assets | 72.3813% | 2,667 |
| Net loans and leases to deposits | 86.4682% | 2,830 |
| Net loans and leases to core deposits | 102.6013% | 3,735 |
| Total domestic deposits to total assets | 83.7085% | 4,176 |
| Equity capital to assets | 6.3475% | 7,603 |
| Core capital (leverage) ratio | 6.0495% | 7,626 |
| Tier 1 risk-based capital ratio | 9.6768% | 7,114 |
| Total risk-based capital ratio | 10.9311% | 7,086 |
| Memoranda: | ||
| Average total assets | $996,189,400 | 672 |
| Average earning assets | $925,135,400 | 659 |
| Average equity | $62,255,800 | 1,060 |
| Average total loans | $743,907,600 | 618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8228% | 97 |
| Cost of funding earning assets | 2.5116% | 1,265 |
| Net interest margin | 5.3112% | 244 |
| Noninterest income to average assets | 1.1309% | 1,229 |
| Noninterest expense to average assets | 4.7646% | 579 |
| Loan and lease loss provision to assets | 0.7048% | 2,617 |
| Net operating income to assets | 0.6030% | 3,594 |
| Return on assets (ROA) | 0.6019% | 3,650 |
| Pretax return on assets | 0.6019% | 4,178 |
| Return on Equity (ROE) | 9.6692% | 2,044 |
| Retained earnings to average equity (ytd only) | 6.1110% | 1,895 |
| Net charge-offs to loans | 0.8063% | 2,352 |
| Credit loss provision to net charge-offs | 116.5747% | 4,360 |
| Earnings coverage of net charge-offs (x) | 2.1631% | 4,208 |
| Efficiency ratio | 78.4631% | 3,088 |
| Assets per employee ($millions) | 3.6634% | 4,508 |
| Cash dividends to net income (ytd only)* | 36.7989% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,360 |
| Loan loss allowance to noncurrent loans | 29.0037% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 4.2370% | 1,480 |
| Noncurrent loans to loans | 4.5659% | 1,518 |
| Net loans and leases to total assets | 67.6263% | 4,045 |
| Net loans and leases to deposits | 79.8634% | 4,410 |
| Net loans and leases to core deposits | 95.3614% | 4,888 |
| Total domestic deposits to total assets | 84.6775% | 3,390 |
| Equity capital to assets | 6.0664% | 7,845 |
| Core capital (leverage) ratio | 6.2306% | 7,757 |
| Tier 1 risk-based capital ratio | 9.8694% | 7,083 |
| Total risk-based capital ratio | 11.1225% | 7,044 |
| Memoranda: | ||
| Average total assets | $999,203,500 | 682 |
| Average earning assets | $929,653,750 | 669 |
| Average equity | $62,202,750 | 1,077 |
| Average total loans | $749,262,500 | 631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0242% | 89 |
| Cost of funding earning assets | 2.5609% | 1,399 |
| Net interest margin | 5.4633% | 188 |
| Noninterest income to average assets | 1.0796% | 1,368 |
| Noninterest expense to average assets | 5.0447% | 496 |
| Loan and lease loss provision to assets | 0.6929% | 2,352 |
| Net operating income to assets | 0.4167% | 4,438 |
| Return on assets (ROA) | 0.4151% | 4,556 |
| Pretax return on assets | 0.4151% | 4,891 |
| Return on Equity (ROE) | 6.6066% | 3,387 |
| Retained earnings to average equity (ytd only) | 3.5376% | 3,335 |
| Net charge-offs to loans | 0.8756% | 1,940 |
| Credit loss provision to net charge-offs | 102.3558% | 4,471 |
| Earnings coverage of net charge-offs (x) | 1.6391% | 4,314 |
| Efficiency ratio | 81.9695% | 2,728 |
| Assets per employee ($millions) | 3.5165% | 4,779 |
| Cash dividends to net income (ytd only)* | 46.4532% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,084 |
| Loan loss allowance to noncurrent loans | 44.0694% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 3.3569% | 1,859 |
| Noncurrent loans to loans | 2.6756% | 2,693 |
| Net loans and leases to total assets | 72.7080% | 3,035 |
| Net loans and leases to deposits | 86.5661% | 3,447 |
| Net loans and leases to core deposits | 105.6532% | 3,876 |
| Total domestic deposits to total assets | 83.9913% | 3,781 |
| Equity capital to assets | 6.0877% | 7,911 |
| Core capital (leverage) ratio | 6.3000% | 7,855 |
| Tier 1 risk-based capital ratio | 9.3084% | 7,529 |
| Total risk-based capital ratio | 10.5596% | 7,516 |
| Memoranda: | ||
| Average total assets | $978,141,330 | 711 |
| Average earning assets | $908,573,330 | 693 |
| Average equity | $61,454,000 | 1,111 |
| Average total loans | $756,317,670 | 640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9845% | 94 |
| Cost of funding earning assets | 2.6351% | 1,467 |
| Net interest margin | 5.3494% | 219 |
| Noninterest income to average assets | 1.0346% | 1,388 |
| Noninterest expense to average assets | 4.8937% | 520 |
| Loan and lease loss provision to assets | 0.7631% | 1,684 |
| Net operating income to assets | 0.3468% | 5,083 |
| Return on assets (ROA) | 0.3439% | 5,280 |
| Pretax return on assets | 0.3439% | 5,549 |
| Return on Equity (ROE) | 5.3827% | 4,296 |
| Retained earnings to average equity (ytd only) | -0.8301% | 5,843 |
| Net charge-offs to loans | 0.8120% | 1,595 |
| Credit loss provision to net charge-offs | 118.4193% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.7224% | 3,870 |
| Efficiency ratio | 81.5116% | 2,607 |
| Assets per employee ($millions) | 3.2273% | 5,529 |
| Cash dividends to net income (ytd only)* | 115.4223% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 4,794 |
| Loan loss allowance to noncurrent loans | 42.9488% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 3.1213% | 1,801 |
| Noncurrent loans to loans | 2.7985% | 2,346 |
| Net loans and leases to total assets | 78.1413% | 1,788 |
| Net loans and leases to deposits | 94.2237% | 2,234 |
| Net loans and leases to core deposits | 115.1132% | 2,899 |
| Total domestic deposits to total assets | 82.9317% | 4,176 |
| Equity capital to assets | 6.3512% | 7,917 |
| Core capital (leverage) ratio | 6.5354% | 7,865 |
| Tier 1 risk-based capital ratio | 9.0795% | 7,743 |
| Total risk-based capital ratio | 10.3310% | 7,761 |
| Memoranda: | ||
| Average total assets | $950,289,000 | 735 |
| Average earning assets | $882,714,500 | 714 |
| Average equity | $60,712,500 | 1,133 |
| Average total loans | $754,147,500 | 652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0489% | 64 |
| Cost of funding earning assets | 2.9631% | 2,015 |
| Net interest margin | 6.0858% | 99 |
| Noninterest income to average assets | 1.2580% | 931 |
| Noninterest expense to average assets | 5.1656% | 586 |
| Loan and lease loss provision to assets | 0.2678% | 4,256 |
| Net operating income to assets | 1.4278% | 1,173 |
| Return on assets (ROA) | 1.4249% | 1,135 |
| Pretax return on assets | 1.4249% | 1,892 |
| Return on Equity (ROE) | 20.9615% | 305 |
| Retained earnings to average equity (ytd only) | 14.3879% | 109 |
| Net charge-offs to loans | 0.2245% | 3,988 |
| Credit loss provision to net charge-offs | 146.4378% | 3,603 |
| Earnings coverage of net charge-offs (x) | 9.2707% | 2,718 |
| Efficiency ratio | 75.2862% | 3,359 |
| Assets per employee ($millions) | 3.1188% | 5,722 |
| Cash dividends to net income (ytd only)* | 31.3602% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,585 |
| Loan loss allowance to noncurrent loans | 40.5611% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.9056% | 1,598 |
| Noncurrent loans to loans | 2.9419% | 1,825 |
| Net loans and leases to total assets | 78.6858% | 1,958 |
| Net loans and leases to deposits | 96.2894% | 2,400 |
| Net loans and leases to core deposits | 117.9910% | 2,885 |
| Total domestic deposits to total assets | 81.7180% | 4,310 |
| Equity capital to assets | 6.4277% | 7,960 |
| Core capital (leverage) ratio | 6.8268% | 7,804 |
| Tier 1 risk-based capital ratio | 8.9011% | 7,843 |
| Total risk-based capital ratio | 10.1518% | 7,871 |
| Memoranda: | ||
| Average total assets | $844,141,800 | 803 |
| Average earning assets | $777,219,400 | 797 |
| Average equity | $57,381,400 | 1,164 |
| Average total loans | $687,717,000 | 693 |