Home > BREMER BANK > Performance and Condition Ratios
BREMER BANK, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,064 |
| Cost of funding earning assets | 0.3905% | 3,890 |
| Net interest margin | 3.7886% | 2,661 |
| Noninterest income to average assets | 0.5779% | 3,008 |
| Noninterest expense to average assets | 2.4820% | 4,587 |
| Loan and lease loss provision to assets | 0.0463% | 3,461 |
| Net operating income to assets | 1.1030% | 2,015 |
| Return on assets (ROA) | 1.1278% | 2,002 |
| Pretax return on assets | 1.6415% | 1,206 |
| Return on Equity (ROE) | 11.3977% | 1,661 |
| Retained earnings to average equity (ytd only) | 7.3974% | 1,622 |
| Net charge-offs to loans | -0.0164% | 5,556 |
| Credit loss provision to net charge-offs | -346.1538% | 5,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0414% | 5,174 |
| Assets per employee ($millions) | 8.9387% | 347 |
| Cash dividends to net income (ytd only)* | 35.0976% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,888 |
| Loan loss allowance to noncurrent loans | 609.9267% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,460 |
| Noncurrent loans to loans | 0.2064% | 5,285 |
| Net loans and leases to total assets | 82.8070% | 430 |
| Net loans and leases to deposits | 116.1625% | 128 |
| Net loans and leases to core deposits | 121.5847% | 360 |
| Total domestic deposits to total assets | 71.2855% | 6,215 |
| Equity capital to assets | 9.9824% | 4,184 |
| Core capital (leverage) ratio | 9.9705% | 3,724 |
| Tier 1 risk-based capital ratio | 11.1476% | 5,933 |
| Total risk-based capital ratio | 12.3979% | 5,888 |
| Memoranda: | ||
| Average total assets | $1,684,108,250 | 421 |
| Average earning assets | $1,580,639,750 | 406 |
| Average equity | $166,648,750 | 471 |
| Average total loans | $1,376,350,250 | 350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,146 |
| Cost of funding earning assets | 0.4133% | 3,736 |
| Net interest margin | 3.7368% | 2,812 |
| Noninterest income to average assets | 0.5561% | 3,076 |
| Noninterest expense to average assets | 2.4972% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0757% | 2,021 |
| Return on assets (ROA) | 1.1064% | 1,986 |
| Pretax return on assets | 1.6069% | 1,239 |
| Return on Equity (ROE) | 11.2148% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.1357% | 2,874 |
| Net charge-offs to loans | -0.0105% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5139% | 5,072 |
| Assets per employee ($millions) | 8.5796% | 387 |
| Cash dividends to net income (ytd only)* | 54.2064% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 4,122 |
| Loan loss allowance to noncurrent loans | 592.1061% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 5,544 |
| Noncurrent loans to loans | 0.2120% | 5,382 |
| Net loans and leases to total assets | 81.6338% | 499 |
| Net loans and leases to deposits | 114.1761% | 138 |
| Net loans and leases to core deposits | 120.1907% | 376 |
| Total domestic deposits to total assets | 71.4981% | 6,284 |
| Equity capital to assets | 9.9076% | 4,240 |
| Core capital (leverage) ratio | 9.9889% | 3,627 |
| Tier 1 risk-based capital ratio | 11.0129% | 6,047 |
| Total risk-based capital ratio | 12.2620% | 5,986 |
| Memoranda: | ||
| Average total assets | $1,667,443,000 | 424 |
| Average earning assets | $1,563,378,330 | 407 |
| Average equity | $164,496,670 | 471 |
| Average total loans | $1,350,377,000 | 351 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,307 |
| Cost of funding earning assets | 0.4591% | 3,320 |
| Net interest margin | 3.6348% | 3,121 |
| Noninterest income to average assets | 0.5100% | 3,330 |
| Noninterest expense to average assets | 2.4906% | 4,656 |
| Loan and lease loss provision to assets | 0.1417% | 1,721 |
| Net operating income to assets | 0.8995% | 2,656 |
| Return on assets (ROA) | 0.9626% | 2,411 |
| Pretax return on assets | 1.3769% | 1,826 |
| Return on Equity (ROE) | 9.7791% | 2,121 |
| Retained earnings to average equity (ytd only) | -2.5216% | 5,915 |
| Net charge-offs to loans | -0.0257% | 5,476 |
| Credit loss provision to net charge-offs | -688.2353% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5504% | 4,929 |
| Assets per employee ($millions) | 8.1260% | 452 |
| Cash dividends to net income (ytd only)* | 125.7862% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 3,679 |
| Loan loss allowance to noncurrent loans | 563.9233% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 5,600 |
| Noncurrent loans to loans | 0.2456% | 5,370 |
| Net loans and leases to total assets | 78.6714% | 691 |
| Net loans and leases to deposits | 99.1142% | 485 |
| Net loans and leases to core deposits | 108.3240% | 662 |
| Total domestic deposits to total assets | 79.3745% | 5,615 |
| Equity capital to assets | 9.8453% | 4,041 |
| Core capital (leverage) ratio | 9.7076% | 3,988 |
| Tier 1 risk-based capital ratio | 11.3598% | 5,990 |
| Total risk-based capital ratio | 12.6114% | 5,939 |
| Memoranda: | ||
| Average total assets | $1,651,785,000 | 430 |
| Average earning assets | $1,549,256,500 | 411 |
| Average equity | $162,592,000 | 475 |
| Average total loans | $1,323,371,500 | 354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,239 |
| Cost of funding earning assets | 0.5391% | 3,203 |
| Net interest margin | 3.6880% | 3,104 |
| Noninterest income to average assets | 0.5975% | 3,111 |
| Noninterest expense to average assets | 2.5360% | 4,657 |
| Loan and lease loss provision to assets | -0.1039% | 6,489 |
| Net operating income to assets | 1.1367% | 1,807 |
| Return on assets (ROA) | 1.1446% | 1,841 |
| Pretax return on assets | 1.6668% | 1,021 |
| Return on Equity (ROE) | 12.0671% | 1,398 |
| Retained earnings to average equity (ytd only) | 3.4850% | 3,747 |
| Net charge-offs to loans | 0.0010% | 5,461 |
| Credit loss provision to net charge-offs | -13,253.8462% | 6,421 |
| Earnings coverage of net charge-offs (x) | 1,979.2308% | 14 |
| Efficiency ratio | 62.0429% | 5,208 |
| Assets per employee ($millions) | 7.9519% | 484 |
| Cash dividends to net income (ytd only)* | 71.1200% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,045 |
| Loan loss allowance to noncurrent loans | 298.8255% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 5,176 |
| Noncurrent loans to loans | 0.4415% | 4,899 |
| Net loans and leases to total assets | 79.3966% | 659 |
| Net loans and leases to deposits | 98.2313% | 576 |
| Net loans and leases to core deposits | 108.0353% | 696 |
| Total domestic deposits to total assets | 80.8262% | 5,226 |
| Equity capital to assets | 9.8415% | 3,972 |
| Core capital (leverage) ratio | 9.6888% | 4,003 |
| Tier 1 risk-based capital ratio | 11.2809% | 6,036 |
| Total risk-based capital ratio | 12.5316% | 5,976 |
| Memoranda: | ||
| Average total assets | $1,658,420,600 | 416 |
| Average earning assets | $1,569,361,400 | 402 |
| Average equity | $157,303,600 | 476 |
| Average total loans | $1,304,075,600 | 342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,420 |
| Cost of funding earning assets | 0.5616% | 3,153 |
| Net interest margin | 3.6301% | 3,322 |
| Noninterest income to average assets | 0.5964% | 3,168 |
| Noninterest expense to average assets | 2.4950% | 4,739 |
| Loan and lease loss provision to assets | -0.1205% | 6,651 |
| Net operating income to assets | 1.1231% | 1,917 |
| Return on assets (ROA) | 1.1428% | 1,914 |
| Pretax return on assets | 1.6976% | 1,104 |
| Return on Equity (ROE) | 12.1620% | 1,429 |
| Retained earnings to average equity (ytd only) | 1.9016% | 5,177 |
| Net charge-offs to loans | -0.0082% | 5,852 |
| Credit loss provision to net charge-offs | 1,875.0000% | 175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7150% | 5,175 |
| Assets per employee ($millions) | 7.3764% | 620 |
| Cash dividends to net income (ytd only)* | 84.3645% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,179 |
| Loan loss allowance to noncurrent loans | 391.3291% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,529 |
| Noncurrent loans to loans | 0.3432% | 5,356 |
| Net loans and leases to total assets | 80.5340% | 493 |
| Net loans and leases to deposits | 98.8492% | 523 |
| Net loans and leases to core deposits | 108.9343% | 622 |
| Total domestic deposits to total assets | 81.4716% | 5,094 |
| Equity capital to assets | 9.6713% | 4,333 |
| Core capital (leverage) ratio | 9.7741% | 4,000 |
| Tier 1 risk-based capital ratio | 11.1007% | 6,235 |
| Total risk-based capital ratio | 12.3516% | 6,199 |
| Memoranda: | ||
| Average total assets | $1,659,527,500 | 417 |
| Average earning assets | $1,575,556,750 | 403 |
| Average equity | $155,935,000 | 482 |
| Average total loans | $1,297,401,750 | 345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,550 |
| Cost of funding earning assets | 0.5809% | 3,120 |
| Net interest margin | 3.5667% | 3,491 |
| Noninterest income to average assets | 0.5959% | 3,223 |
| Noninterest expense to average assets | 2.4840% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0217% | 2,235 |
| Return on assets (ROA) | 1.0223% | 2,354 |
| Pretax return on assets | 1.5072% | 1,597 |
| Return on Equity (ROE) | 10.9848% | 1,813 |
| Retained earnings to average equity (ytd only) | -3.1758% | 6,329 |
| Net charge-offs to loans | -0.0106% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2519% | 5,136 |
| Assets per employee ($millions) | 7.2462% | 645 |
| Cash dividends to net income (ytd only)* | 128.9113% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 3,636 |
| Loan loss allowance to noncurrent loans | 449.6052% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 5,608 |
| Noncurrent loans to loans | 0.3311% | 5,467 |
| Net loans and leases to total assets | 80.3750% | 503 |
| Net loans and leases to deposits | 98.4761% | 518 |
| Net loans and leases to core deposits | 108.4847% | 630 |
| Total domestic deposits to total assets | 81.6188% | 5,171 |
| Equity capital to assets | 9.6096% | 4,441 |
| Core capital (leverage) ratio | 9.2289% | 4,654 |
| Tier 1 risk-based capital ratio | 11.3068% | 6,201 |
| Total risk-based capital ratio | 12.5598% | 6,163 |
| Memoranda: | ||
| Average total assets | $1,669,310,000 | 415 |
| Average earning assets | $1,588,617,330 | 398 |
| Average equity | $155,360,000 | 484 |
| Average total loans | $1,286,295,330 | 342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,879 |
| Cost of funding earning assets | 0.5945% | 3,160 |
| Net interest margin | 3.4676% | 3,829 |
| Noninterest income to average assets | 0.5552% | 3,400 |
| Noninterest expense to average assets | 2.4466% | 4,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9564% | 2,414 |
| Return on assets (ROA) | 0.9564% | 2,551 |
| Pretax return on assets | 1.4030% | 1,842 |
| Return on Equity (ROE) | 10.4344% | 1,900 |
| Retained earnings to average equity (ytd only) | -4.9066% | 6,358 |
| Net charge-offs to loans | -0.0144% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5539% | 5,077 |
| Assets per employee ($millions) | 8.0000% | 488 |
| Cash dividends to net income (ytd only)* | 147.0228% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,680 |
| Loan loss allowance to noncurrent loans | 486.6130% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 5,831 |
| Noncurrent loans to loans | 0.3152% | 5,613 |
| Net loans and leases to total assets | 71.8526% | 1,373 |
| Net loans and leases to deposits | 89.2967% | 1,023 |
| Net loans and leases to core deposits | 98.5138% | 1,042 |
| Total domestic deposits to total assets | 80.4650% | 5,646 |
| Equity capital to assets | 8.9849% | 5,503 |
| Core capital (leverage) ratio | 8.9823% | 4,919 |
| Tier 1 risk-based capital ratio | 11.7027% | 6,083 |
| Total risk-based capital ratio | 12.9563% | 6,057 |
| Memoranda: | ||
| Average total assets | $1,706,886,000 | 411 |
| Average earning assets | $1,621,660,500 | 390 |
| Average equity | $156,443,500 | 485 |
| Average total loans | $1,279,110,500 | 346 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 2,688 |
| Cost of funding earning assets | 0.6847% | 3,615 |
| Net interest margin | 3.9894% | 2,436 |
| Noninterest income to average assets | 0.6532% | 2,974 |
| Noninterest expense to average assets | 2.4547% | 5,237 |
| Loan and lease loss provision to assets | 0.0627% | 4,984 |
| Net operating income to assets | 1.2840% | 1,356 |
| Return on assets (ROA) | 1.3321% | 1,359 |
| Pretax return on assets | 1.9935% | 610 |
| Return on Equity (ROE) | 13.6841% | 1,058 |
| Retained earnings to average equity (ytd only) | 4.1517% | 3,304 |
| Net charge-offs to loans | 0.0475% | 5,253 |
| Credit loss provision to net charge-offs | 167.4380% | 1,584 |
| Earnings coverage of net charge-offs (x) | 53.0165% | 658 |
| Efficiency ratio | 55.2980% | 6,139 |
| Assets per employee ($millions) | 7.8408% | 539 |
| Cash dividends to net income (ytd only)* | 69.6605% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,801 |
| Loan loss allowance to noncurrent loans | 415.4177% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,792 |
| Noncurrent loans to loans | 0.3580% | 5,591 |
| Net loans and leases to total assets | 75.8096% | 943 |
| Net loans and leases to deposits | 93.8690% | 758 |
| Net loans and leases to core deposits | 103.5317% | 810 |
| Total domestic deposits to total assets | 80.7611% | 5,466 |
| Equity capital to assets | 9.3505% | 5,077 |
| Core capital (leverage) ratio | 9.3444% | 4,342 |
| Tier 1 risk-based capital ratio | 11.5726% | 6,045 |
| Total risk-based capital ratio | 12.8256% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,616,440,200 | 422 |
| Average earning assets | $1,533,911,000 | 402 |
| Average equity | $157,357,400 | 471 |
| Average total loans | $1,274,673,400 | 342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 2,530 |
| Cost of funding earning assets | 0.6958% | 3,807 |
| Net interest margin | 4.0663% | 2,223 |
| Noninterest income to average assets | 0.6624% | 2,916 |
| Noninterest expense to average assets | 2.4723% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3690% | 1,289 |
| Return on assets (ROA) | 1.4329% | 1,277 |
| Pretax return on assets | 2.1537% | 520 |
| Return on Equity (ROE) | 14.5681% | 986 |
| Retained earnings to average equity (ytd only) | 6.0914% | 2,639 |
| Net charge-offs to loans | 0.0356% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 72.8198% | 573 |
| Efficiency ratio | 54.5695% | 6,193 |
| Assets per employee ($millions) | 7.7724% | 522 |
| Cash dividends to net income (ytd only)* | 58.1869% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,251 |
| Loan loss allowance to noncurrent loans | 301.3325% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 5,651 |
| Noncurrent loans to loans | 0.4738% | 5,503 |
| Net loans and leases to total assets | 78.8184% | 632 |
| Net loans and leases to deposits | 99.0636% | 492 |
| Net loans and leases to core deposits | 110.0996% | 568 |
| Total domestic deposits to total assets | 79.5634% | 5,759 |
| Equity capital to assets | 9.8728% | 4,678 |
| Core capital (leverage) ratio | 9.7414% | 3,883 |
| Tier 1 risk-based capital ratio | 11.7268% | 6,096 |
| Total risk-based capital ratio | 12.9794% | 6,079 |
| Memoranda: | ||
| Average total assets | $1,599,107,750 | 425 |
| Average earning assets | $1,521,180,000 | 403 |
| Average equity | $157,289,750 | 472 |
| Average total loans | $1,269,024,750 | 346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 2,473 |
| Cost of funding earning assets | 0.7085% | 3,949 |
| Net interest margin | 4.1001% | 2,096 |
| Noninterest income to average assets | 0.5876% | 3,336 |
| Noninterest expense to average assets | 2.4456% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3564% | 1,295 |
| Return on assets (ROA) | 1.4529% | 1,212 |
| Pretax return on assets | 2.1844% | 494 |
| Return on Equity (ROE) | 14.7894% | 971 |
| Retained earnings to average equity (ytd only) | 8.3898% | 1,485 |
| Net charge-offs to loans | 0.0251% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 102.7089% | 414 |
| Efficiency ratio | 54.5167% | 6,271 |
| Assets per employee ($millions) | 7.3895% | 616 |
| Cash dividends to net income (ytd only)* | 43.2713% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 4,285 |
| Loan loss allowance to noncurrent loans | 327.7214% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 5,778 |
| Noncurrent loans to loans | 0.4396% | 5,655 |
| Net loans and leases to total assets | 81.0167% | 401 |
| Net loans and leases to deposits | 104.1479% | 275 |
| Net loans and leases to core deposits | 112.8645% | 485 |
| Total domestic deposits to total assets | 77.7900% | 6,199 |
| Equity capital to assets | 10.0802% | 4,220 |
| Core capital (leverage) ratio | 9.6920% | 3,846 |
| Tier 1 risk-based capital ratio | 11.6579% | 6,135 |
| Total risk-based capital ratio | 12.9107% | 6,113 |
| Memoranda: | ||
| Average total assets | $1,590,663,670 | 428 |
| Average earning assets | $1,512,464,670 | 406 |
| Average equity | $156,260,330 | 473 |
| Average total loans | $1,259,066,000 | 352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 3,058 |
| Cost of funding earning assets | 0.7268% | 4,054 |
| Net interest margin | 3.9729% | 2,618 |
| Noninterest income to average assets | 0.5509% | 3,559 |
| Noninterest expense to average assets | 2.3764% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2931% | 1,474 |
| Return on assets (ROA) | 1.4826% | 1,177 |
| Pretax return on assets | 2.2318% | 511 |
| Return on Equity (ROE) | 15.2900% | 924 |
| Retained earnings to average equity (ytd only) | 8.8254% | 1,652 |
| Net charge-offs to loans | 0.0297% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 84.3043% | 405 |
| Efficiency ratio | 54.9959% | 6,230 |
| Assets per employee ($millions) | 7.9058% | 507 |
| Cash dividends to net income (ytd only)* | 42.2797% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 4,069 |
| Loan loss allowance to noncurrent loans | 144.6985% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 4,892 |
| Noncurrent loans to loans | 1.0496% | 4,596 |
| Net loans and leases to total assets | 74.8186% | 946 |
| Net loans and leases to deposits | 96.5733% | 507 |
| Net loans and leases to core deposits | 103.9430% | 768 |
| Total domestic deposits to total assets | 77.4734% | 6,341 |
| Equity capital to assets | 9.5701% | 4,692 |
| Core capital (leverage) ratio | 9.5963% | 3,925 |
| Tier 1 risk-based capital ratio | 11.9235% | 6,010 |
| Total risk-based capital ratio | 13.1773% | 6,006 |
| Memoranda: | ||
| Average total assets | $1,595,323,500 | 423 |
| Average earning assets | $1,513,947,500 | 406 |
| Average equity | $154,689,000 | 472 |
| Average total loans | $1,238,660,000 | 356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 3,078 |
| Cost of funding earning assets | 0.9307% | 3,870 |
| Net interest margin | 4.0270% | 2,747 |
| Noninterest income to average assets | 0.4968% | 3,868 |
| Noninterest expense to average assets | 2.2946% | 6,050 |
| Loan and lease loss provision to assets | 0.3042% | 3,233 |
| Net operating income to assets | 1.1680% | 1,614 |
| Return on assets (ROA) | 1.1794% | 1,686 |
| Pretax return on assets | 1.7500% | 895 |
| Return on Equity (ROE) | 12.3191% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.2201% | 1,401 |
| Net charge-offs to loans | 0.1618% | 4,851 |
| Credit loss provision to net charge-offs | 237.9837% | 1,024 |
| Earnings coverage of net charge-offs (x) | 15.9364% | 1,363 |
| Efficiency ratio | 52.9112% | 6,622 |
| Assets per employee ($millions) | 7.4031% | 595 |
| Cash dividends to net income (ytd only)* | 41.3907% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,919 |
| Loan loss allowance to noncurrent loans | 144.9160% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 4,908 |
| Noncurrent loans to loans | 1.0509% | 4,608 |
| Net loans and leases to total assets | 78.1761% | 691 |
| Net loans and leases to deposits | 99.8269% | 464 |
| Net loans and leases to core deposits | 107.5437% | 728 |
| Total domestic deposits to total assets | 78.3117% | 6,138 |
| Equity capital to assets | 9.8281% | 4,402 |
| Core capital (leverage) ratio | 9.6432% | 3,808 |
| Tier 1 risk-based capital ratio | 11.6071% | 6,088 |
| Total risk-based capital ratio | 12.8609% | 6,067 |
| Memoranda: | ||
| Average total assets | $1,536,364,200 | 430 |
| Average earning assets | $1,463,133,000 | 406 |
| Average equity | $147,089,200 | 478 |
| Average total loans | $1,213,584,200 | 356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 3,380 |
| Cost of funding earning assets | 0.9698% | 3,894 |
| Net interest margin | 3.9714% | 3,045 |
| Noninterest income to average assets | 0.4779% | 4,063 |
| Noninterest expense to average assets | 2.2605% | 6,144 |
| Loan and lease loss provision to assets | 0.3137% | 3,023 |
| Net operating income to assets | 1.1480% | 1,823 |
| Return on assets (ROA) | 1.1544% | 1,915 |
| Pretax return on assets | 1.7115% | 1,117 |
| Return on Equity (ROE) | 12.1405% | 1,512 |
| Retained earnings to average equity (ytd only) | 5.2670% | 3,021 |
| Net charge-offs to loans | 0.1708% | 4,431 |
| Credit loss provision to net charge-offs | 232.8590% | 1,220 |
| Earnings coverage of net charge-offs (x) | 14.9599% | 1,501 |
| Efficiency ratio | 52.8033% | 6,611 |
| Assets per employee ($millions) | 7.3489% | 621 |
| Cash dividends to net income (ytd only)* | 56.6166% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 4,255 |
| Loan loss allowance to noncurrent loans | 116.0143% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 4,686 |
| Noncurrent loans to loans | 1.2660% | 4,418 |
| Net loans and leases to total assets | 79.9956% | 516 |
| Net loans and leases to deposits | 102.9250% | 353 |
| Net loans and leases to core deposits | 110.8943% | 637 |
| Total domestic deposits to total assets | 77.7222% | 6,243 |
| Equity capital to assets | 9.8003% | 4,618 |
| Core capital (leverage) ratio | 9.5158% | 4,126 |
| Tier 1 risk-based capital ratio | 11.2858% | 6,374 |
| Total risk-based capital ratio | 12.5387% | 6,365 |
| Memoranda: | ||
| Average total assets | $1,529,940,750 | 434 |
| Average earning assets | $1,463,197,250 | 407 |
| Average equity | $145,481,500 | 488 |
| Average total loans | $1,206,970,250 | 356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 3,664 |
| Cost of funding earning assets | 0.9870% | 4,039 |
| Net interest margin | 3.9044% | 3,292 |
| Noninterest income to average assets | 0.4629% | 4,162 |
| Noninterest expense to average assets | 2.2453% | 6,258 |
| Loan and lease loss provision to assets | 0.3463% | 2,705 |
| Net operating income to assets | 1.0893% | 1,901 |
| Return on assets (ROA) | 1.0992% | 1,960 |
| Pretax return on assets | 1.6240% | 1,211 |
| Return on Equity (ROE) | 11.6786% | 1,585 |
| Retained earnings to average equity (ytd only) | 4.7362% | 3,169 |
| Net charge-offs to loans | 0.2093% | 3,894 |
| Credit loss provision to net charge-offs | 211.8305% | 1,423 |
| Earnings coverage of net charge-offs (x) | 11.9632% | 1,662 |
| Efficiency ratio | 53.3829% | 6,678 |
| Assets per employee ($millions) | 7.2848% | 634 |
| Cash dividends to net income (ytd only)* | 59.4460% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,312 |
| Loan loss allowance to noncurrent loans | 121.5956% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 4,910 |
| Noncurrent loans to loans | 1.1968% | 4,653 |
| Net loans and leases to total assets | 78.9154% | 659 |
| Net loans and leases to deposits | 100.5111% | 468 |
| Net loans and leases to core deposits | 113.5025% | 595 |
| Total domestic deposits to total assets | 78.5141% | 6,186 |
| Equity capital to assets | 9.7150% | 4,518 |
| Core capital (leverage) ratio | 9.2286% | 4,356 |
| Tier 1 risk-based capital ratio | 11.3265% | 6,300 |
| Total risk-based capital ratio | 12.5791% | 6,290 |
| Memoranda: | ||
| Average total assets | $1,530,400,000 | 443 |
| Average earning assets | $1,465,265,670 | 413 |
| Average equity | $144,041,000 | 495 |
| Average total loans | $1,195,623,670 | 362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 3,996 |
| Cost of funding earning assets | 1.0002% | 4,204 |
| Net interest margin | 3.8137% | 3,547 |
| Noninterest income to average assets | 0.4709% | 4,111 |
| Noninterest expense to average assets | 2.2068% | 6,406 |
| Loan and lease loss provision to assets | 0.2465% | 3,193 |
| Net operating income to assets | 1.1235% | 1,756 |
| Return on assets (ROA) | 1.1235% | 1,802 |
| Pretax return on assets | 1.6730% | 1,027 |
| Return on Equity (ROE) | 12.1277% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.1256% | 3,104 |
| Net charge-offs to loans | 0.0064% | 5,037 |
| Credit loss provision to net charge-offs | 5,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 389.3684% | 71 |
| Efficiency ratio | 53.4176% | 6,750 |
| Assets per employee ($millions) | 7.6325% | 550 |
| Cash dividends to net income (ytd only)* | 57.7367% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,407 |
| Loan loss allowance to noncurrent loans | 123.5018% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,034 |
| Noncurrent loans to loans | 1.1802% | 4,716 |
| Net loans and leases to total assets | 75.7579% | 1,062 |
| Net loans and leases to deposits | 96.2059% | 676 |
| Net loans and leases to core deposits | 108.9749% | 788 |
| Total domestic deposits to total assets | 78.7456% | 6,250 |
| Equity capital to assets | 9.4071% | 4,562 |
| Core capital (leverage) ratio | 9.1224% | 4,412 |
| Tier 1 risk-based capital ratio | 11.4387% | 6,151 |
| Total risk-based capital ratio | 12.6913% | 6,132 |
| Memoranda: | ||
| Average total assets | $1,541,626,000 | 441 |
| Average earning assets | $1,477,636,500 | 412 |
| Average equity | $142,813,000 | 494 |
| Average total loans | $1,189,647,500 | 370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 3,564 |
| Cost of funding earning assets | 1.1990% | 4,570 |
| Net interest margin | 4.0090% | 2,984 |
| Noninterest income to average assets | 0.5232% | 4,004 |
| Noninterest expense to average assets | 2.1778% | 6,677 |
| Loan and lease loss provision to assets | 0.4082% | 3,658 |
| Net operating income to assets | 1.1717% | 1,483 |
| Return on assets (ROA) | 1.2390% | 1,392 |
| Pretax return on assets | 1.8710% | 651 |
| Return on Equity (ROE) | 13.5511% | 974 |
| Retained earnings to average equity (ytd only) | 8.0910% | 955 |
| Net charge-offs to loans | 0.2746% | 4,648 |
| Credit loss provision to net charge-offs | 187.4389% | 1,739 |
| Earnings coverage of net charge-offs (x) | 9.9969% | 1,770 |
| Efficiency ratio | 49.9442% | 7,131 |
| Assets per employee ($millions) | 7.9023% | 495 |
| Cash dividends to net income (ytd only)* | 40.2923% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,799 |
| Loan loss allowance to noncurrent loans | 294.9845% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 6,285 |
| Noncurrent loans to loans | 0.4547% | 6,137 |
| Net loans and leases to total assets | 76.4137% | 1,203 |
| Net loans and leases to deposits | 99.4542% | 612 |
| Net loans and leases to core deposits | 112.8251% | 780 |
| Total domestic deposits to total assets | 76.8331% | 6,506 |
| Equity capital to assets | 9.1233% | 4,958 |
| Core capital (leverage) ratio | 8.9537% | 4,615 |
| Tier 1 risk-based capital ratio | 11.0244% | 6,303 |
| Total risk-based capital ratio | 12.2756% | 6,278 |
| Memoranda: | ||
| Average total assets | $1,502,315,800 | 453 |
| Average earning assets | $1,435,948,400 | 427 |
| Average equity | $137,362,000 | 503 |
| Average total loans | $1,191,602,000 | 380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 3,471 |
| Cost of funding earning assets | 1.2364% | 4,648 |
| Net interest margin | 4.0391% | 2,912 |
| Noninterest income to average assets | 0.5120% | 4,083 |
| Noninterest expense to average assets | 2.1887% | 6,635 |
| Loan and lease loss provision to assets | 0.2732% | 4,401 |
| Net operating income to assets | 1.2565% | 1,453 |
| Return on assets (ROA) | 1.3471% | 1,309 |
| Pretax return on assets | 2.0449% | 570 |
| Return on Equity (ROE) | 14.7245% | 908 |
| Retained earnings to average equity (ytd only) | 7.3823% | 1,654 |
| Net charge-offs to loans | 0.2109% | 4,674 |
| Credit loss provision to net charge-offs | 162.3204% | 2,322 |
| Earnings coverage of net charge-offs (x) | 12.9590% | 1,636 |
| Efficiency ratio | 50.0287% | 7,149 |
| Assets per employee ($millions) | 7.4873% | 627 |
| Cash dividends to net income (ytd only)* | 49.8637% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,463 |
| Loan loss allowance to noncurrent loans | 222.3177% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 6,215 |
| Noncurrent loans to loans | 0.5427% | 6,119 |
| Net loans and leases to total assets | 78.8013% | 918 |
| Net loans and leases to deposits | 104.0765% | 424 |
| Net loans and leases to core deposits | 120.9094% | 582 |
| Total domestic deposits to total assets | 75.7147% | 6,704 |
| Equity capital to assets | 9.2763% | 5,181 |
| Core capital (leverage) ratio | 8.9552% | 4,754 |
| Tier 1 risk-based capital ratio | 10.8417% | 6,514 |
| Total risk-based capital ratio | 12.0663% | 6,514 |
| Memoranda: | ||
| Average total assets | $1,488,707,750 | 454 |
| Average earning assets | $1,421,780,250 | 429 |
| Average equity | $136,195,750 | 499 |
| Average total loans | $1,188,066,750 | 382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 3,662 |
| Cost of funding earning assets | 1.2415% | 4,889 |
| Net interest margin | 4.0171% | 2,936 |
| Noninterest income to average assets | 0.5093% | 4,035 |
| Noninterest expense to average assets | 2.1747% | 6,713 |
| Loan and lease loss provision to assets | 0.2966% | 4,017 |
| Net operating income to assets | 1.2374% | 1,458 |
| Return on assets (ROA) | 1.3737% | 1,210 |
| Pretax return on assets | 2.0823% | 506 |
| Return on Equity (ROE) | 15.0866% | 846 |
| Retained earnings to average equity (ytd only) | 11.3845% | 582 |
| Net charge-offs to loans | 0.2350% | 4,197 |
| Credit loss provision to net charge-offs | 158.1596% | 2,492 |
| Earnings coverage of net charge-offs (x) | 11.5823% | 1,755 |
| Efficiency ratio | 49.9659% | 7,224 |
| Assets per employee ($millions) | 7.1620% | 714 |
| Cash dividends to net income (ytd only)* | 24.5387% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,654 |
| Loan loss allowance to noncurrent loans | 226.2778% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 6,269 |
| Noncurrent loans to loans | 0.5121% | 6,228 |
| Net loans and leases to total assets | 80.4702% | 730 |
| Net loans and leases to deposits | 110.0692% | 272 |
| Net loans and leases to core deposits | 130.0505% | 419 |
| Total domestic deposits to total assets | 73.1087% | 7,086 |
| Equity capital to assets | 9.3292% | 4,963 |
| Core capital (leverage) ratio | 9.1407% | 4,389 |
| Tier 1 risk-based capital ratio | 10.7228% | 6,508 |
| Total risk-based capital ratio | 11.9039% | 6,557 |
| Memoranda: | ||
| Average total assets | $1,483,297,670 | 456 |
| Average earning assets | $1,417,107,330 | 433 |
| Average equity | $135,060,330 | 497 |
| Average total loans | $1,183,957,670 | 384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 3,840 |
| Cost of funding earning assets | 1.2343% | 5,209 |
| Net interest margin | 4.0037% | 2,859 |
| Noninterest income to average assets | 0.4643% | 4,343 |
| Noninterest expense to average assets | 2.1521% | 6,801 |
| Loan and lease loss provision to assets | 0.2980% | 3,652 |
| Net operating income to assets | 1.1997% | 1,544 |
| Return on assets (ROA) | 1.3161% | 1,337 |
| Pretax return on assets | 2.0096% | 594 |
| Return on Equity (ROE) | 14.6361% | 935 |
| Retained earnings to average equity (ytd only) | 8.6105% | 1,504 |
| Net charge-offs to loans | 0.2455% | 3,474 |
| Credit loss provision to net charge-offs | 153.6313% | 2,335 |
| Earnings coverage of net charge-offs (x) | 10.9735% | 1,691 |
| Efficiency ratio | 50.2120% | 7,303 |
| Assets per employee ($millions) | 7.1041% | 778 |
| Cash dividends to net income (ytd only)* | 41.1692% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 5,592 |
| Loan loss allowance to noncurrent loans | 164.7738% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 6,100 |
| Noncurrent loans to loans | 0.7171% | 5,893 |
| Net loans and leases to total assets | 77.5142% | 1,243 |
| Net loans and leases to deposits | 106.9525% | 389 |
| Net loans and leases to core deposits | 124.5283% | 633 |
| Total domestic deposits to total assets | 72.4753% | 7,218 |
| Equity capital to assets | 9.0858% | 5,155 |
| Core capital (leverage) ratio | 9.0149% | 4,538 |
| Tier 1 risk-based capital ratio | 10.7248% | 6,413 |
| Total risk-based capital ratio | 11.9150% | 6,465 |
| Memoranda: | ||
| Average total assets | $1,476,517,000 | 473 |
| Average earning assets | $1,407,408,000 | 449 |
| Average equity | $132,768,000 | 511 |
| Average total loans | $1,166,613,000 | 410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5426% | 3,913 |
| Cost of funding earning assets | 1.6712% | 4,664 |
| Net interest margin | 3.8714% | 3,392 |
| Noninterest income to average assets | 0.5689% | 3,872 |
| Noninterest expense to average assets | 2.2039% | 6,987 |
| Loan and lease loss provision to assets | 0.3347% | 4,800 |
| Net operating income to assets | 1.1150% | 1,474 |
| Return on assets (ROA) | 1.1711% | 1,367 |
| Pretax return on assets | 1.7748% | 666 |
| Return on Equity (ROE) | 13.4295% | 883 |
| Retained earnings to average equity (ytd only) | 5.5507% | 1,553 |
| Net charge-offs to loans | 0.2863% | 4,839 |
| Credit loss provision to net charge-offs | 146.2763% | 3,241 |
| Earnings coverage of net charge-offs (x) | 8.8483% | 1,880 |
| Efficiency ratio | 52.0571% | 7,379 |
| Assets per employee ($millions) | 7.0593% | 777 |
| Cash dividends to net income (ytd only)* | 58.6682% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,730 |
| Loan loss allowance to noncurrent loans | 179.4689% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 6,198 |
| Noncurrent loans to loans | 0.6318% | 5,974 |
| Net loans and leases to total assets | 78.6797% | 1,252 |
| Net loans and leases to deposits | 110.5632% | 366 |
| Net loans and leases to core deposits | 128.3246% | 1,376 |
| Total domestic deposits to total assets | 71.1627% | 7,321 |
| Equity capital to assets | 8.8980% | 5,285 |
| Core capital (leverage) ratio | 8.8026% | 4,765 |
| Tier 1 risk-based capital ratio | 10.3939% | 6,502 |
| Total risk-based capital ratio | 11.5421% | 6,564 |
| Memoranda: | ||
| Average total assets | $1,455,481,200 | 466 |
| Average earning assets | $1,375,796,600 | 452 |
| Average equity | $126,922,000 | 524 |
| Average total loans | $1,163,088,000 | 414 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 4,176 |
| Cost of funding earning assets | 1.7646% | 4,559 |
| Net interest margin | 3.7826% | 3,725 |
| Noninterest income to average assets | 0.5641% | 3,979 |
| Noninterest expense to average assets | 2.1885% | 7,010 |
| Loan and lease loss provision to assets | 0.3516% | 4,213 |
| Net operating income to assets | 1.0572% | 1,876 |
| Return on assets (ROA) | 1.1323% | 1,704 |
| Pretax return on assets | 1.7114% | 948 |
| Return on Equity (ROE) | 13.0519% | 1,105 |
| Retained earnings to average equity (ytd only) | 6.6944% | 1,635 |
| Net charge-offs to loans | 0.2446% | 4,516 |
| Credit loss provision to net charge-offs | 179.6618% | 2,559 |
| Earnings coverage of net charge-offs (x) | 9.9601% | 2,031 |
| Efficiency ratio | 52.8258% | 7,347 |
| Assets per employee ($millions) | 6.9458% | 805 |
| Cash dividends to net income (ytd only)* | 48.7092% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,417 |
| Loan loss allowance to noncurrent loans | 194.2177% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 6,225 |
| Noncurrent loans to loans | 0.5913% | 6,128 |
| Net loans and leases to total assets | 81.0294% | 972 |
| Net loans and leases to deposits | 114.6753% | 300 |
| Net loans and leases to core deposits | 136.6932% | 1,066 |
| Total domestic deposits to total assets | 70.6599% | 7,359 |
| Equity capital to assets | 9.1302% | 5,289 |
| Core capital (leverage) ratio | 8.7566% | 5,039 |
| Tier 1 risk-based capital ratio | 10.3982% | 6,573 |
| Total risk-based capital ratio | 11.5557% | 6,623 |
| Memoranda: | ||
| Average total assets | $1,450,505,500 | 485 |
| Average earning assets | $1,370,359,250 | 468 |
| Average equity | $125,832,750 | 542 |
| Average total loans | $1,160,324,750 | 435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 4,682 |
| Cost of funding earning assets | 1.8555% | 4,486 |
| Net interest margin | 3.6359% | 4,225 |
| Noninterest income to average assets | 0.5614% | 3,950 |
| Noninterest expense to average assets | 2.2005% | 7,054 |
| Loan and lease loss provision to assets | 0.3226% | 4,008 |
| Net operating income to assets | 0.9717% | 2,200 |
| Return on assets (ROA) | 1.0838% | 1,903 |
| Pretax return on assets | 1.6348% | 1,142 |
| Return on Equity (ROE) | 12.7118% | 1,240 |
| Retained earnings to average equity (ytd only) | 3.0524% | 3,616 |
| Net charge-offs to loans | 0.1585% | 4,610 |
| Credit loss provision to net charge-offs | 256.5502% | 1,818 |
| Earnings coverage of net charge-offs (x) | 14.2162% | 1,673 |
| Efficiency ratio | 55.1096% | 7,217 |
| Assets per employee ($millions) | 6.8820% | 813 |
| Cash dividends to net income (ytd only)* | 75.9878% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,367 |
| Loan loss allowance to noncurrent loans | 158.2125% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 5,922 |
| Noncurrent loans to loans | 0.7169% | 5,803 |
| Net loans and leases to total assets | 79.2721% | 1,463 |
| Net loans and leases to deposits | 114.3434% | 383 |
| Net loans and leases to core deposits | 136.4751% | 1,186 |
| Total domestic deposits to total assets | 69.3281% | 7,526 |
| Equity capital to assets | 8.5942% | 5,905 |
| Core capital (leverage) ratio | 8.5096% | 5,431 |
| Tier 1 risk-based capital ratio | 10.0079% | 6,911 |
| Total risk-based capital ratio | 11.1409% | 6,977 |
| Memoranda: | ||
| Average total assets | $1,457,061,670 | 493 |
| Average earning assets | $1,373,128,330 | 478 |
| Average equity | $124,231,000 | 553 |
| Average total loans | $1,156,143,670 | 450 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 4,742 |
| Cost of funding earning assets | 1.9221% | 4,529 |
| Net interest margin | 3.6098% | 4,279 |
| Noninterest income to average assets | 0.5097% | 4,234 |
| Noninterest expense to average assets | 2.0738% | 7,185 |
| Loan and lease loss provision to assets | 0.3220% | 3,397 |
| Net operating income to assets | 0.9882% | 2,363 |
| Return on assets (ROA) | 1.2122% | 1,734 |
| Pretax return on assets | 1.8472% | 897 |
| Return on Equity (ROE) | 14.2737% | 1,110 |
| Retained earnings to average equity (ytd only) | 2.9787% | 4,219 |
| Net charge-offs to loans | 0.0847% | 4,320 |
| Credit loss provision to net charge-offs | 481.5574% | 1,117 |
| Earnings coverage of net charge-offs (x) | 27.3648% | 1,136 |
| Efficiency ratio | 53.0539% | 7,311 |
| Assets per employee ($millions) | 6.9573% | 796 |
| Cash dividends to net income (ytd only)* | 79.1318% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,323 |
| Loan loss allowance to noncurrent loans | 217.5544% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 6,201 |
| Noncurrent loans to loans | 0.5150% | 6,141 |
| Net loans and leases to total assets | 78.9864% | 1,585 |
| Net loans and leases to deposits | 119.1683% | 307 |
| Net loans and leases to core deposits | 140.2553% | 1,087 |
| Total domestic deposits to total assets | 66.2814% | 7,717 |
| Equity capital to assets | 8.7790% | 5,656 |
| Core capital (leverage) ratio | 8.3300% | 5,849 |
| Tier 1 risk-based capital ratio | 10.1329% | 6,769 |
| Total risk-based capital ratio | 11.2472% | 6,829 |
| Memoranda: | ||
| Average total assets | $1,459,543,500 | 496 |
| Average earning assets | $1,372,260,000 | 485 |
| Average equity | $123,948,500 | 552 |
| Average total loans | $1,152,058,000 | 459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2784% | 4,078 |
| Cost of funding earning assets | 2.5841% | 3,769 |
| Net interest margin | 3.6943% | 4,494 |
| Noninterest income to average assets | 0.5251% | 4,425 |
| Noninterest expense to average assets | 2.0162% | 7,409 |
| Loan and lease loss provision to assets | 0.1672% | 5,241 |
| Net operating income to assets | 1.2127% | 1,736 |
| Return on assets (ROA) | 1.2127% | 1,682 |
| Pretax return on assets | 1.8136% | 917 |
| Return on Equity (ROE) | 14.7585% | 959 |
| Retained earnings to average equity (ytd only) | 11.7225% | 248 |
| Net charge-offs to loans | 0.2104% | 4,104 |
| Credit loss provision to net charge-offs | 102.0888% | 5,214 |
| Earnings coverage of net charge-offs (x) | 12.0931% | 2,291 |
| Efficiency ratio | 50.3709% | 7,635 |
| Assets per employee ($millions) | 7.4247% | 593 |
| Cash dividends to net income (ytd only)* | 20.5713% | 4,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,980 |
| Loan loss allowance to noncurrent loans | 158.7593% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 5,648 |
| Noncurrent loans to loans | 0.6336% | 5,471 |
| Net loans and leases to total assets | 77.2501% | 2,315 |
| Net loans and leases to deposits | 129.7892% | 215 |
| Net loans and leases to core deposits | 149.7322% | 871 |
| Total domestic deposits to total assets | 59.5197% | 7,981 |
| Equity capital to assets | 8.2209% | 6,518 |
| Core capital (leverage) ratio | 8.2931% | 5,965 |
| Tier 1 risk-based capital ratio | 9.6962% | 7,086 |
| Total risk-based capital ratio | 10.6956% | 7,281 |
| Memoranda: | ||
| Average total assets | $1,402,935,200 | 496 |
| Average earning assets | $1,318,485,400 | 481 |
| Average equity | $115,282,600 | 587 |
| Average total loans | $1,092,080,200 | 463 |