Home > First NBC Bank > Performance and Condition Ratios
First NBC Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,345 |
| Cost of funding earning assets | 2.0428% | 5 |
| Net interest margin | 2.4695% | 5,570 |
| Noninterest income to average assets | 4.0365% | 144 |
| Noninterest expense to average assets | 3.2155% | 1,563 |
| Loan and lease loss provision to assets | -0.0451% | 5,711 |
| Net operating income to assets | 3.1496% | 84 |
| Return on assets (ROA) | 3.1496% | 84 |
| Pretax return on assets | 3.1462% | 117 |
| Return on Equity (ROE) | -93.1038% | 5,854 |
| Retained earnings to average equity (ytd only) | -93.1038% | 5,844 |
| Net charge-offs to loans | -0.2465% | 5,655 |
| Credit loss provision to net charge-offs | 21.0945% | 2,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7286% | 5,337 |
| Assets per employee ($millions) | 6.5989% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.2893% | 3 |
| Loan loss allowance to noncurrent loans | 64.9897% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 17.3139% | 8 |
| Noncurrent loans to loans | 21.9870% | 2 |
| Net loans and leases to total assets | 66.3929% | 2,916 |
| Net loans and leases to deposits | 72.8228% | 3,531 |
| Net loans and leases to core deposits | 85.9794% | 2,712 |
| Total domestic deposits to total assets | 91.1704% | 255 |
| Equity capital to assets | -3.3863% | 5,856 |
| Core capital (leverage) ratio | -1.9854% | 5,856 |
| Tier 1 risk-based capital ratio | -3.1372% | 5,856 |
| Total risk-based capital ratio | -1.7268% | 5,856 |
| Memoranda: | ||
| Average total assets | $3,758,801,000 | 268 |
| Average earning assets | $3,470,484,000 | 262 |
| Average equity | $-127,157,000 | 5,856 |
| Average total loans | $3,261,092,000 | 229 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,182 |
| Cost of funding earning assets | 1.3643% | 26 |
| Net interest margin | 3.2792% | 4,209 |
| Noninterest income to average assets | 0.2758% | 4,769 |
| Noninterest expense to average assets | 3.7129% | 865 |
| Loan and lease loss provision to assets | 2.0463% | 37 |
| Net operating income to assets | -0.4187% | 5,770 |
| Return on assets (ROA) | -0.4059% | 5,775 |
| Pretax return on assets | -2.6236% | 5,885 |
| Return on Equity (ROE) | -4.3802% | 5,780 |
| Retained earnings to average equity (ytd only) | -4.3802% | 5,654 |
| Net charge-offs to loans | 0.2781% | 990 |
| Credit loss provision to net charge-offs | 943.2184% | 400 |
| Earnings coverage of net charge-offs (x) | -2.7530% | 4,201 |
| Efficiency ratio | 109.6802% | 127 |
| Assets per employee ($millions) | 7.9356% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2154% | 68 |
| Loan loss allowance to noncurrent loans | 54.6684% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 6.5584% | 80 |
| Noncurrent loans to loans | 7.7109% | 59 |
| Net loans and leases to total assets | 79.8625% | 914 |
| Net loans and leases to deposits | 106.7947% | 311 |
| Net loans and leases to core deposits | 125.2097% | 362 |
| Total domestic deposits to total assets | 74.7813% | 5,371 |
| Equity capital to assets | 8.6416% | 5,152 |
| Core capital (leverage) ratio | 4.4501% | 5,890 |
| Tier 1 risk-based capital ratio | 4.6513% | 5,899 |
| Total risk-based capital ratio | 5.9652% | 5,898 |
| Memoranda: | ||
| Average total assets | $4,812,241,800 | 204 |
| Average earning assets | $4,167,682,000 | 210 |
| Average equity | $445,961,000 | 236 |
| Average total loans | $3,753,734,000 | 190 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 1,297 |
| Cost of funding earning assets | 1.3302% | 29 |
| Net interest margin | 3.2663% | 4,287 |
| Noninterest income to average assets | 0.3071% | 4,575 |
| Noninterest expense to average assets | 3.3964% | 1,347 |
| Loan and lease loss provision to assets | 0.3501% | 456 |
| Net operating income to assets | 1.0497% | 2,200 |
| Return on assets (ROA) | 1.0512% | 2,321 |
| Pretax return on assets | -0.6077% | 5,867 |
| Return on Equity (ROE) | 11.1588% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.1588% | 409 |
| Net charge-offs to loans | 0.3687% | 604 |
| Credit loss provision to net charge-offs | 123.8286% | 2,046 |
| Earnings coverage of net charge-offs (x) | -0.9197% | 3,850 |
| Efficiency ratio | 108.0121% | 136 |
| Assets per employee ($millions) | 7.9905% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 640 |
| Loan loss allowance to noncurrent loans | 47.6869% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 3.5991% | 266 |
| Noncurrent loans to loans | 4.3348% | 232 |
| Net loans and leases to total assets | 77.8848% | 1,218 |
| Net loans and leases to deposits | 99.8449% | 713 |
| Net loans and leases to core deposits | 117.0015% | 613 |
| Total domestic deposits to total assets | 78.0058% | 4,912 |
| Equity capital to assets | 9.4927% | 4,667 |
| Core capital (leverage) ratio | 7.3329% | 5,849 |
| Tier 1 risk-based capital ratio | 7.6749% | 5,947 |
| Total risk-based capital ratio | 8.9488% | 5,946 |
| Memoranda: | ||
| Average total assets | $4,830,915,500 | 207 |
| Average earning assets | $4,184,618,750 | 209 |
| Average equity | $455,101,250 | 235 |
| Average total loans | $3,704,659,500 | 192 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,305 |
| Cost of funding earning assets | 1.2989% | 35 |
| Net interest margin | 3.2813% | 4,286 |
| Noninterest income to average assets | 0.3092% | 4,570 |
| Noninterest expense to average assets | 3.2636% | 1,661 |
| Loan and lease loss provision to assets | 0.2436% | 808 |
| Net operating income to assets | 1.1612% | 1,733 |
| Return on assets (ROA) | 1.1581% | 1,855 |
| Pretax return on assets | -0.3444% | 5,889 |
| Return on Equity (ROE) | 10.7351% | 1,748 |
| Retained earnings to average equity (ytd only) | 10.7351% | 472 |
| Net charge-offs to loans | 0.3638% | 640 |
| Credit loss provision to net charge-offs | 88.1688% | 2,273 |
| Earnings coverage of net charge-offs (x) | -0.3475% | 3,573 |
| Efficiency ratio | 102.7573% | 208 |
| Assets per employee ($millions) | 7.8796% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 733 |
| Loan loss allowance to noncurrent loans | 174.0894% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 2,016 |
| Noncurrent loans to loans | 1.1500% | 1,995 |
| Net loans and leases to total assets | 76.1038% | 1,478 |
| Net loans and leases to deposits | 93.8418% | 1,303 |
| Net loans and leases to core deposits | 109.9264% | 936 |
| Total domestic deposits to total assets | 81.0980% | 4,246 |
| Equity capital to assets | 9.6663% | 4,598 |
| Core capital (leverage) ratio | 7.6144% | 5,855 |
| Tier 1 risk-based capital ratio | 8.1532% | 6,018 |
| Total risk-based capital ratio | 9.4263% | 6,015 |
| Memoranda: | ||
| Average total assets | $4,870,614,670 | 207 |
| Average earning assets | $4,242,800,330 | 207 |
| Average equity | $525,456,330 | 208 |
| Average total loans | $3,699,239,000 | 194 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 1,739 |
| Cost of funding earning assets | 1.2725% | 38 |
| Net interest margin | 3.1485% | 4,731 |
| Noninterest income to average assets | 0.3649% | 4,108 |
| Noninterest expense to average assets | 3.1901% | 1,856 |
| Loan and lease loss provision to assets | 0.1955% | 1,010 |
| Net operating income to assets | 1.1999% | 1,564 |
| Return on assets (ROA) | 1.1999% | 1,663 |
| Pretax return on assets | -0.2635% | 5,904 |
| Return on Equity (ROE) | 10.4951% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.4951% | 743 |
| Net charge-offs to loans | 0.6148% | 360 |
| Credit loss provision to net charge-offs | 42.3179% | 2,129 |
| Earnings coverage of net charge-offs (x) | -0.1471% | 2,984 |
| Efficiency ratio | 101.9013% | 250 |
| Assets per employee ($millions) | 8.3116% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 2,394 |
| Loan loss allowance to noncurrent loans | 136.6032% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 2,511 |
| Noncurrent loans to loans | 1.0297% | 2,324 |
| Net loans and leases to total assets | 74.3805% | 1,668 |
| Net loans and leases to deposits | 93.1136% | 1,217 |
| Net loans and leases to core deposits | 108.7390% | 931 |
| Total domestic deposits to total assets | 79.8815% | 4,771 |
| Equity capital to assets | 11.3118% | 2,611 |
| Core capital (leverage) ratio | 9.8889% | 3,675 |
| Tier 1 risk-based capital ratio | 11.2940% | 5,346 |
| Total risk-based capital ratio | 12.5558% | 5,245 |
| Memoranda: | ||
| Average total assets | $4,885,221,500 | 206 |
| Average earning assets | $4,278,060,000 | 208 |
| Average equity | $558,547,500 | 199 |
| Average total loans | $3,671,142,500 | 195 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 1,581 |
| Cost of funding earning assets | 1.2879% | 38 |
| Net interest margin | 3.2163% | 4,570 |
| Noninterest income to average assets | 0.2625% | 5,010 |
| Noninterest expense to average assets | 2.3421% | 4,671 |
| Loan and lease loss provision to assets | 0.3463% | 432 |
| Net operating income to assets | 1.6991% | 578 |
| Return on assets (ROA) | 1.6769% | 619 |
| Pretax return on assets | 0.3724% | 5,376 |
| Return on Equity (ROE) | 14.3749% | 790 |
| Retained earnings to average equity (ytd only) | 9.8336% | 486 |
| Net charge-offs to loans | 0.0342% | 3,520 |
| Credit loss provision to net charge-offs | 1,311.7700% | 258 |
| Earnings coverage of net charge-offs (x) | 28.0629% | 1,522 |
| Efficiency ratio | 75.6768% | 2,326 |
| Assets per employee ($millions) | 8.2762% | 502 |
| Cash dividends to net income (ytd only)* | 31.5919% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 1,808 |
| Loan loss allowance to noncurrent loans | 153.1327% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 2,504 |
| Noncurrent loans to loans | 1.0112% | 2,319 |
| Net loans and leases to total assets | 73.6868% | 1,776 |
| Net loans and leases to deposits | 92.2279% | 1,379 |
| Net loans and leases to core deposits | 107.6906% | 988 |
| Total domestic deposits to total assets | 79.8964% | 4,768 |
| Equity capital to assets | 11.6464% | 2,236 |
| Core capital (leverage) ratio | 10.3509% | 3,106 |
| Tier 1 risk-based capital ratio | 11.5627% | 5,207 |
| Total risk-based capital ratio | 12.8320% | 5,110 |
| Memoranda: | ||
| Average total assets | $4,216,505,000 | 218 |
| Average earning assets | $3,697,426,200 | 219 |
| Average equity | $491,884,800 | 211 |
| Average total loans | $3,251,219,800 | 198 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 1,686 |
| Cost of funding earning assets | 1.2940% | 39 |
| Net interest margin | 3.1770% | 4,751 |
| Noninterest income to average assets | 0.2222% | 5,323 |
| Noninterest expense to average assets | 2.2225% | 4,984 |
| Loan and lease loss provision to assets | 0.3803% | 329 |
| Net operating income to assets | 1.7556% | 569 |
| Return on assets (ROA) | 1.7540% | 588 |
| Pretax return on assets | 0.4052% | 5,454 |
| Return on Equity (ROE) | 15.0278% | 724 |
| Retained earnings to average equity (ytd only) | 15.0278% | 166 |
| Net charge-offs to loans | 0.0362% | 3,182 |
| Credit loss provision to net charge-offs | 1,350.4075% | 275 |
| Earnings coverage of net charge-offs (x) | 27.9489% | 1,563 |
| Efficiency ratio | 73.5326% | 2,631 |
| Assets per employee ($millions) | 8.0486% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,773 |
| Loan loss allowance to noncurrent loans | 148.5544% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 2,537 |
| Noncurrent loans to loans | 1.0812% | 2,326 |
| Net loans and leases to total assets | 74.9472% | 1,558 |
| Net loans and leases to deposits | 89.1863% | 1,749 |
| Net loans and leases to core deposits | 104.2032% | 1,216 |
| Total domestic deposits to total assets | 84.0344% | 3,409 |
| Equity capital to assets | 11.8606% | 2,207 |
| Core capital (leverage) ratio | 10.2339% | 3,327 |
| Tier 1 risk-based capital ratio | 11.2361% | 5,533 |
| Total risk-based capital ratio | 12.5088% | 5,414 |
| Memoranda: | ||
| Average total assets | $4,066,444,750 | 226 |
| Average earning assets | $3,567,785,750 | 231 |
| Average equity | $474,611,250 | 223 |
| Average total loans | $3,162,743,000 | 206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 1,448 |
| Cost of funding earning assets | 1.2760% | 41 |
| Net interest margin | 3.2555% | 4,473 |
| Noninterest income to average assets | 0.2634% | 5,063 |
| Noninterest expense to average assets | 2.3049% | 4,830 |
| Loan and lease loss provision to assets | 0.4327% | 252 |
| Net operating income to assets | 1.7538% | 563 |
| Return on assets (ROA) | 1.7513% | 597 |
| Pretax return on assets | 0.4013% | 5,463 |
| Return on Equity (ROE) | 15.0884% | 716 |
| Retained earnings to average equity (ytd only) | 15.0884% | 183 |
| Net charge-offs to loans | 0.0373% | 2,937 |
| Credit loss provision to net charge-offs | 1,470.0855% | 253 |
| Earnings coverage of net charge-offs (x) | 28.4222% | 1,421 |
| Efficiency ratio | 73.0658% | 2,826 |
| Assets per employee ($millions) | 7.6403% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 2,084 |
| Loan loss allowance to noncurrent loans | 243.8187% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 3,588 |
| Noncurrent loans to loans | 0.6357% | 3,570 |
| Net loans and leases to total assets | 77.6676% | 1,113 |
| Net loans and leases to deposits | 93.2999% | 1,219 |
| Net loans and leases to core deposits | 109.2337% | 880 |
| Total domestic deposits to total assets | 83.2451% | 3,853 |
| Equity capital to assets | 12.0877% | 1,957 |
| Core capital (leverage) ratio | 10.5151% | 2,936 |
| Tier 1 risk-based capital ratio | 11.5770% | 5,414 |
| Total risk-based capital ratio | 12.8477% | 5,320 |
| Memoranda: | ||
| Average total assets | $3,975,376,000 | 230 |
| Average earning assets | $3,514,393,000 | 233 |
| Average equity | $461,412,670 | 231 |
| Average total loans | $3,135,492,330 | 208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,406 |
| Cost of funding earning assets | 1.2727% | 45 |
| Net interest margin | 3.2470% | 4,432 |
| Noninterest income to average assets | 0.2585% | 5,106 |
| Noninterest expense to average assets | 2.2824% | 4,926 |
| Loan and lease loss provision to assets | 0.3073% | 462 |
| Net operating income to assets | 1.6957% | 596 |
| Return on assets (ROA) | 1.6906% | 632 |
| Pretax return on assets | 0.5423% | 5,064 |
| Return on Equity (ROE) | 14.8908% | 726 |
| Retained earnings to average equity (ytd only) | 14.8908% | 295 |
| Net charge-offs to loans | 0.0182% | 2,800 |
| Credit loss provision to net charge-offs | 2,142.1429% | 188 |
| Earnings coverage of net charge-offs (x) | 59.5857% | 744 |
| Efficiency ratio | 72.4541% | 3,098 |
| Assets per employee ($millions) | 7.7385% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 2,758 |
| Loan loss allowance to noncurrent loans | 195.8528% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 3,417 |
| Noncurrent loans to loans | 0.7338% | 3,427 |
| Net loans and leases to total assets | 76.2903% | 1,171 |
| Net loans and leases to deposits | 91.2486% | 1,261 |
| Net loans and leases to core deposits | 105.9477% | 943 |
| Total domestic deposits to total assets | 83.6072% | 3,971 |
| Equity capital to assets | 11.7351% | 2,256 |
| Core capital (leverage) ratio | 10.7091% | 2,741 |
| Tier 1 risk-based capital ratio | 11.7935% | 5,375 |
| Total risk-based capital ratio | 13.0601% | 5,260 |
| Memoranda: | ||
| Average total assets | $3,904,010,000 | 233 |
| Average earning assets | $3,460,990,500 | 236 |
| Average equity | $443,226,000 | 235 |
| Average total loans | $3,078,845,500 | 207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,228 |
| Cost of funding earning assets | 1.3298% | 48 |
| Net interest margin | 3.4048% | 4,178 |
| Noninterest income to average assets | 0.3134% | 4,882 |
| Noninterest expense to average assets | 2.1772% | 5,396 |
| Loan and lease loss provision to assets | 0.3391% | 571 |
| Net operating income to assets | 1.5930% | 713 |
| Return on assets (ROA) | 1.5968% | 745 |
| Pretax return on assets | 0.8486% | 4,083 |
| Return on Equity (ROE) | 14.7750% | 817 |
| Retained earnings to average equity (ytd only) | 14.7750% | 153 |
| Net charge-offs to loans | 0.0639% | 3,578 |
| Credit loss provision to net charge-offs | 665.5574% | 400 |
| Earnings coverage of net charge-offs (x) | 23.2368% | 1,593 |
| Efficiency ratio | 64.2718% | 4,551 |
| Assets per employee ($millions) | 7.4607% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,926 |
| Loan loss allowance to noncurrent loans | 198.7046% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 3,421 |
| Noncurrent loans to loans | 0.7071% | 3,559 |
| Net loans and leases to total assets | 79.3180% | 836 |
| Net loans and leases to deposits | 94.5393% | 1,029 |
| Net loans and leases to core deposits | 110.5744% | 751 |
| Total domestic deposits to total assets | 83.8995% | 3,764 |
| Equity capital to assets | 10.9387% | 2,964 |
| Core capital (leverage) ratio | 9.9519% | 3,640 |
| Tier 1 risk-based capital ratio | 10.8166% | 5,984 |
| Total risk-based capital ratio | 12.0669% | 5,914 |
| Memoranda: | ||
| Average total assets | $3,539,047,200 | 235 |
| Average earning assets | $3,167,729,000 | 237 |
| Average equity | $382,477,800 | 244 |
| Average total loans | $2,823,297,600 | 206 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 1,229 |
| Cost of funding earning assets | 1.3387% | 47 |
| Net interest margin | 3.3933% | 4,267 |
| Noninterest income to average assets | 0.3443% | 4,684 |
| Noninterest expense to average assets | 2.1074% | 5,553 |
| Loan and lease loss provision to assets | 0.3441% | 518 |
| Net operating income to assets | 1.5471% | 850 |
| Return on assets (ROA) | 1.5522% | 872 |
| Pretax return on assets | 0.9417% | 3,820 |
| Return on Equity (ROE) | 14.4096% | 911 |
| Retained earnings to average equity (ytd only) | 14.4096% | 229 |
| Net charge-offs to loans | 0.0403% | 3,696 |
| Credit loss provision to net charge-offs | 1,073.9857% | 310 |
| Earnings coverage of net charge-offs (x) | 39.9712% | 1,131 |
| Efficiency ratio | 61.6926% | 4,932 |
| Assets per employee ($millions) | 7.2140% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 3,306 |
| Loan loss allowance to noncurrent loans | 175.8213% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 3,491 |
| Noncurrent loans to loans | 0.7787% | 3,635 |
| Net loans and leases to total assets | 80.0094% | 710 |
| Net loans and leases to deposits | 97.0018% | 794 |
| Net loans and leases to core deposits | 113.6561% | 594 |
| Total domestic deposits to total assets | 82.4823% | 4,306 |
| Equity capital to assets | 10.9313% | 3,025 |
| Core capital (leverage) ratio | 10.5794% | 2,949 |
| Tier 1 risk-based capital ratio | 11.5724% | 5,753 |
| Total risk-based capital ratio | 12.8203% | 5,678 |
| Memoranda: | ||
| Average total assets | $3,487,488,000 | 234 |
| Average earning assets | $3,128,208,250 | 236 |
| Average equity | $375,675,750 | 245 |
| Average total loans | $2,775,866,750 | 205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 1,303 |
| Cost of funding earning assets | 1.3385% | 47 |
| Net interest margin | 3.3506% | 4,400 |
| Noninterest income to average assets | 0.3517% | 4,613 |
| Noninterest expense to average assets | 2.0477% | 5,729 |
| Loan and lease loss provision to assets | 0.3488% | 516 |
| Net operating income to assets | 1.5108% | 852 |
| Return on assets (ROA) | 1.5141% | 887 |
| Pretax return on assets | 0.9639% | 3,625 |
| Return on Equity (ROE) | 14.1287% | 930 |
| Retained earnings to average equity (ytd only) | 14.1287% | 256 |
| Net charge-offs to loans | 0.0541% | 3,192 |
| Credit loss provision to net charge-offs | 815.2174% | 402 |
| Earnings coverage of net charge-offs (x) | 30.6060% | 1,243 |
| Efficiency ratio | 60.4734% | 5,227 |
| Assets per employee ($millions) | 6.8652% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 3,755 |
| Loan loss allowance to noncurrent loans | 183.1954% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 3,827 |
| Noncurrent loans to loans | 0.7202% | 3,898 |
| Net loans and leases to total assets | 78.5112% | 845 |
| Net loans and leases to deposits | 93.8983% | 965 |
| Net loans and leases to core deposits | 110.1809% | 691 |
| Total domestic deposits to total assets | 83.6131% | 4,070 |
| Equity capital to assets | 10.7304% | 3,167 |
| Core capital (leverage) ratio | 10.5898% | 2,837 |
| Tier 1 risk-based capital ratio | 11.6807% | 5,705 |
| Total risk-based capital ratio | 12.8704% | 5,684 |
| Memoranda: | ||
| Average total assets | $3,440,440,000 | 236 |
| Average earning assets | $3,086,034,000 | 237 |
| Average equity | $368,682,670 | 247 |
| Average total loans | $2,719,974,000 | 209 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,403 |
| Cost of funding earning assets | 1.3405% | 52 |
| Net interest margin | 3.2982% | 4,543 |
| Noninterest income to average assets | 0.3780% | 4,360 |
| Noninterest expense to average assets | 2.0074% | 5,870 |
| Loan and lease loss provision to assets | 0.3551% | 496 |
| Net operating income to assets | 1.5467% | 740 |
| Return on assets (ROA) | 1.5467% | 772 |
| Pretax return on assets | 0.9748% | 3,425 |
| Return on Equity (ROE) | 14.4432% | 870 |
| Retained earnings to average equity (ytd only) | 14.4432% | 364 |
| Net charge-offs to loans | 0.1013% | 2,156 |
| Credit loss provision to net charge-offs | 445.1039% | 603 |
| Earnings coverage of net charge-offs (x) | 16.6691% | 1,497 |
| Efficiency ratio | 59.6141% | 5,451 |
| Assets per employee ($millions) | 6.9818% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,280 |
| Loan loss allowance to noncurrent loans | 185.9656% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 4,178 |
| Noncurrent loans to loans | 0.6829% | 4,160 |
| Net loans and leases to total assets | 77.0642% | 878 |
| Net loans and leases to deposits | 92.0434% | 951 |
| Net loans and leases to core deposits | 107.9620% | 678 |
| Total domestic deposits to total assets | 83.7259% | 4,378 |
| Equity capital to assets | 10.6027% | 3,140 |
| Core capital (leverage) ratio | 10.6026% | 2,806 |
| Tier 1 risk-based capital ratio | 11.7995% | 5,764 |
| Total risk-based capital ratio | 12.9570% | 5,753 |
| Memoranda: | ||
| Average total assets | $3,379,128,500 | 239 |
| Average earning assets | $3,031,920,500 | 238 |
| Average equity | $361,858,000 | 247 |
| Average total loans | $2,662,557,000 | 212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,929 |
| Cost of funding earning assets | 1.4210% | 66 |
| Net interest margin | 3.1596% | 5,128 |
| Noninterest income to average assets | 0.4318% | 4,218 |
| Noninterest expense to average assets | 2.2301% | 5,554 |
| Loan and lease loss provision to assets | 0.3286% | 986 |
| Net operating income to assets | 1.3893% | 1,043 |
| Return on assets (ROA) | 1.3999% | 1,067 |
| Pretax return on assets | 0.7526% | 4,325 |
| Return on Equity (ROE) | 13.3710% | 1,097 |
| Retained earnings to average equity (ytd only) | 12.7303% | 257 |
| Net charge-offs to loans | 0.2123% | 2,763 |
| Credit loss provision to net charge-offs | 211.2980% | 1,090 |
| Earnings coverage of net charge-offs (x) | 6.8834% | 2,958 |
| Efficiency ratio | 67.3112% | 4,322 |
| Assets per employee ($millions) | 6.6423% | 932 |
| Cash dividends to net income (ytd only)* | 4.7911% | 4,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,493 |
| Loan loss allowance to noncurrent loans | 193.5035% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 4,380 |
| Noncurrent loans to loans | 0.6361% | 4,390 |
| Net loans and leases to total assets | 78.5976% | 757 |
| Net loans and leases to deposits | 93.6993% | 903 |
| Net loans and leases to core deposits | 109.5834% | 623 |
| Total domestic deposits to total assets | 83.8828% | 4,208 |
| Equity capital to assets | 10.8209% | 2,796 |
| Core capital (leverage) ratio | 10.9578% | 2,430 |
| Tier 1 risk-based capital ratio | 12.3425% | 5,401 |
| Total risk-based capital ratio | 13.4842% | 5,399 |
| Memoranda: | ||
| Average total assets | $2,981,967,000 | 254 |
| Average earning assets | $2,707,592,400 | 251 |
| Average equity | $312,199,200 | 266 |
| Average total loans | $2,184,584,200 | 236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 2,175 |
| Cost of funding earning assets | 1.4218% | 72 |
| Net interest margin | 3.0929% | 5,336 |
| Noninterest income to average assets | 0.3476% | 4,907 |
| Noninterest expense to average assets | 2.1715% | 5,674 |
| Loan and lease loss provision to assets | 0.3394% | 959 |
| Net operating income to assets | 1.2716% | 1,427 |
| Return on assets (ROA) | 1.2856% | 1,455 |
| Pretax return on assets | 0.6656% | 4,803 |
| Return on Equity (ROE) | 12.3971% | 1,370 |
| Retained earnings to average equity (ytd only) | 11.5126% | 499 |
| Net charge-offs to loans | 0.2815% | 2,134 |
| Credit loss provision to net charge-offs | 168.6802% | 1,412 |
| Earnings coverage of net charge-offs (x) | 4.9250% | 3,322 |
| Efficiency ratio | 68.3944% | 4,014 |
| Assets per employee ($millions) | 6.6304% | 879 |
| Cash dividends to net income (ytd only)* | 7.1347% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,137 |
| Loan loss allowance to noncurrent loans | 163.0512% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 4,134 |
| Noncurrent loans to loans | 0.8280% | 4,176 |
| Net loans and leases to total assets | 69.4383% | 2,058 |
| Net loans and leases to deposits | 82.5172% | 2,070 |
| Net loans and leases to core deposits | 97.0460% | 1,313 |
| Total domestic deposits to total assets | 84.1501% | 4,132 |
| Equity capital to assets | 10.8386% | 2,927 |
| Core capital (leverage) ratio | 10.9926% | 2,485 |
| Tier 1 risk-based capital ratio | 12.9180% | 5,178 |
| Total risk-based capital ratio | 14.0736% | 5,180 |
| Memoranda: | ||
| Average total assets | $2,907,132,000 | 258 |
| Average earning assets | $2,645,702,250 | 257 |
| Average equity | $301,482,500 | 274 |
| Average total loans | $2,077,938,500 | 246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,321 |
| Cost of funding earning assets | 1.4058% | 80 |
| Net interest margin | 3.0620% | 5,390 |
| Noninterest income to average assets | 0.3645% | 4,789 |
| Noninterest expense to average assets | 2.1567% | 5,733 |
| Loan and lease loss provision to assets | 0.3541% | 937 |
| Net operating income to assets | 1.2115% | 1,566 |
| Return on assets (ROA) | 1.2331% | 1,608 |
| Pretax return on assets | 0.6716% | 4,773 |
| Return on Equity (ROE) | 12.0943% | 1,460 |
| Retained earnings to average equity (ytd only) | 10.7052% | 701 |
| Net charge-offs to loans | 0.4166% | 1,553 |
| Credit loss provision to net charge-offs | 118.2313% | 1,879 |
| Earnings coverage of net charge-offs (x) | 3.3526% | 3,418 |
| Efficiency ratio | 67.9564% | 4,191 |
| Assets per employee ($millions) | 6.4162% | 945 |
| Cash dividends to net income (ytd only)* | 11.4857% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,419 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 4,378 |
| Noncurrent loans to loans | 0.7523% | 4,419 |
| Net loans and leases to total assets | 68.8287% | 2,086 |
| Net loans and leases to deposits | 82.0569% | 2,053 |
| Net loans and leases to core deposits | 96.5997% | 1,303 |
| Total domestic deposits to total assets | 83.8791% | 4,369 |
| Equity capital to assets | 11.1423% | 2,619 |
| Core capital (leverage) ratio | 11.6675% | 1,820 |
| Tier 1 risk-based capital ratio | 13.7788% | 4,585 |
| Total risk-based capital ratio | 14.9173% | 4,623 |
| Memoranda: | ||
| Average total assets | $2,824,158,000 | 267 |
| Average earning assets | $2,579,110,670 | 262 |
| Average equity | $287,953,000 | 281 |
| Average total loans | $2,030,084,670 | 249 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,832 |
| Cost of funding earning assets | 1.3894% | 102 |
| Net interest margin | 3.2068% | 4,912 |
| Noninterest income to average assets | 0.3687% | 4,721 |
| Noninterest expense to average assets | 2.3018% | 5,418 |
| Loan and lease loss provision to assets | 0.3816% | 836 |
| Net operating income to assets | 1.2006% | 1,525 |
| Return on assets (ROA) | 1.2456% | 1,511 |
| Pretax return on assets | 0.6721% | 4,699 |
| Return on Equity (ROE) | 12.8787% | 1,199 |
| Retained earnings to average equity (ytd only) | 9.8434% | 1,143 |
| Net charge-offs to loans | 0.8196% | 737 |
| Credit loss provision to net charge-offs | 63.7255% | 2,374 |
| Earnings coverage of net charge-offs (x) | 1.6846% | 3,269 |
| Efficiency ratio | 69.2529% | 4,101 |
| Assets per employee ($millions) | 6.2205% | 1,128 |
| Cash dividends to net income (ytd only)* | 23.5682% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,842 |
| Loan loss allowance to noncurrent loans | 128.4354% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 3,910 |
| Noncurrent loans to loans | 0.9902% | 4,151 |
| Net loans and leases to total assets | 71.0258% | 1,517 |
| Net loans and leases to deposits | 83.0116% | 1,709 |
| Net loans and leases to core deposits | 97.7566% | 1,098 |
| Total domestic deposits to total assets | 85.5613% | 3,765 |
| Equity capital to assets | 9.5636% | 4,766 |
| Core capital (leverage) ratio | 9.7335% | 3,747 |
| Tier 1 risk-based capital ratio | 11.8801% | 5,984 |
| Total risk-based capital ratio | 13.0354% | 6,016 |
| Memoranda: | ||
| Average total assets | $2,725,213,000 | 279 |
| Average earning assets | $2,500,045,500 | 273 |
| Average equity | $263,567,000 | 311 |
| Average total loans | $1,991,235,500 | 256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 2,109 |
| Cost of funding earning assets | 1.4228% | 237 |
| Net interest margin | 3.4000% | 4,881 |
| Noninterest income to average assets | 0.3505% | 4,961 |
| Noninterest expense to average assets | 2.2443% | 5,826 |
| Loan and lease loss provision to assets | 0.4542% | 1,386 |
| Net operating income to assets | 1.0459% | 2,136 |
| Return on assets (ROA) | 1.2029% | 1,762 |
| Pretax return on assets | 0.8979% | 3,928 |
| Return on Equity (ROE) | 12.3058% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.3058% | 299 |
| Net charge-offs to loans | 0.1219% | 4,464 |
| Credit loss provision to net charge-offs | 506.1927% | 477 |
| Earnings coverage of net charge-offs (x) | 13.3202% | 1,838 |
| Efficiency ratio | 64.9563% | 4,712 |
| Assets per employee ($millions) | 5.9723% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,333 |
| Loan loss allowance to noncurrent loans | 269.7700% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 4,737 |
| Noncurrent loans to loans | 0.5057% | 5,269 |
| Net loans and leases to total assets | 73.2329% | 1,296 |
| Net loans and leases to deposits | 85.9716% | 1,520 |
| Net loans and leases to core deposits | 98.4142% | 1,118 |
| Total domestic deposits to total assets | 85.1826% | 3,772 |
| Equity capital to assets | 9.7842% | 4,474 |
| Core capital (leverage) ratio | 9.9070% | 3,531 |
| Tier 1 risk-based capital ratio | 11.8833% | 5,852 |
| Total risk-based capital ratio | 13.1333% | 5,812 |
| Memoranda: | ||
| Average total assets | $2,429,664,600 | 298 |
| Average earning assets | $2,207,364,600 | 295 |
| Average equity | $237,498,200 | 323 |
| Average total loans | $1,788,403,600 | 269 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 2,210 |
| Cost of funding earning assets | 1.4234% | 276 |
| Net interest margin | 3.4232% | 4,956 |
| Noninterest income to average assets | 0.3525% | 4,997 |
| Noninterest expense to average assets | 2.3518% | 5,539 |
| Loan and lease loss provision to assets | 0.3506% | 1,859 |
| Net operating income to assets | 1.1210% | 2,021 |
| Return on assets (ROA) | 1.2180% | 1,851 |
| Pretax return on assets | 0.8474% | 4,310 |
| Return on Equity (ROE) | 12.4642% | 1,478 |
| Retained earnings to average equity (ytd only) | 12.4642% | 451 |
| Net charge-offs to loans | 0.0753% | 4,659 |
| Credit loss provision to net charge-offs | 634.2828% | 424 |
| Earnings coverage of net charge-offs (x) | 19.9197% | 1,470 |
| Efficiency ratio | 67.9803% | 4,070 |
| Assets per employee ($millions) | 5.6047% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 4,903 |
| Loan loss allowance to noncurrent loans | 260.4747% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 5,043 |
| Noncurrent loans to loans | 0.4911% | 5,465 |
| Net loans and leases to total assets | 71.8432% | 1,579 |
| Net loans and leases to deposits | 84.1982% | 1,845 |
| Net loans and leases to core deposits | 94.9770% | 1,491 |
| Total domestic deposits to total assets | 85.3263% | 3,602 |
| Equity capital to assets | 9.5191% | 5,181 |
| Core capital (leverage) ratio | 9.3997% | 4,434 |
| Tier 1 risk-based capital ratio | 11.5490% | 6,199 |
| Total risk-based capital ratio | 12.7146% | 6,215 |
| Memoranda: | ||
| Average total assets | $2,371,170,750 | 305 |
| Average earning assets | $2,147,555,500 | 299 |
| Average equity | $231,718,500 | 329 |
| Average total loans | $1,741,095,000 | 270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 2,129 |
| Cost of funding earning assets | 1.5515% | 189 |
| Net interest margin | 3.3439% | 5,292 |
| Noninterest income to average assets | 0.4160% | 4,534 |
| Noninterest expense to average assets | 2.3416% | 5,634 |
| Loan and lease loss provision to assets | 0.3816% | 1,714 |
| Net operating income to assets | 1.0498% | 2,251 |
| Return on assets (ROA) | 1.1909% | 1,942 |
| Pretax return on assets | 0.8637% | 4,218 |
| Return on Equity (ROE) | 12.0740% | 1,643 |
| Retained earnings to average equity (ytd only) | 12.0740% | 568 |
| Net charge-offs to loans | 0.0805% | 4,341 |
| Credit loss provision to net charge-offs | 643.6865% | 495 |
| Earnings coverage of net charge-offs (x) | 18.6270% | 1,474 |
| Efficiency ratio | 67.8202% | 4,160 |
| Assets per employee ($millions) | 5.6334% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 5,176 |
| Loan loss allowance to noncurrent loans | 175.4352% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 4,799 |
| Noncurrent loans to loans | 0.7050% | 5,097 |
| Net loans and leases to total assets | 71.9171% | 1,570 |
| Net loans and leases to deposits | 83.7727% | 1,881 |
| Net loans and leases to core deposits | 94.8592% | 1,517 |
| Total domestic deposits to total assets | 85.8479% | 3,432 |
| Equity capital to assets | 9.7494% | 4,693 |
| Core capital (leverage) ratio | 9.6086% | 3,985 |
| Tier 1 risk-based capital ratio | 11.6988% | 6,109 |
| Total risk-based capital ratio | 12.8260% | 6,157 |
| Memoranda: | ||
| Average total assets | $2,324,588,670 | 309 |
| Average earning assets | $2,106,239,670 | 300 |
| Average equity | $229,285,670 | 331 |
| Average total loans | $1,712,361,000 | 274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 2,074 |
| Cost of funding earning assets | 1.5456% | 236 |
| Net interest margin | 3.3993% | 5,126 |
| Noninterest income to average assets | 0.4706% | 4,142 |
| Noninterest expense to average assets | 2.3690% | 5,571 |
| Loan and lease loss provision to assets | 0.4637% | 1,329 |
| Net operating income to assets | 1.0922% | 2,127 |
| Return on assets (ROA) | 1.0714% | 2,387 |
| Pretax return on assets | 0.7117% | 4,753 |
| Return on Equity (ROE) | 10.7957% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.7957% | 1,088 |
| Net charge-offs to loans | 0.0831% | 3,670 |
| Credit loss provision to net charge-offs | 752.8571% | 448 |
| Earnings coverage of net charge-offs (x) | 19.4200% | 1,226 |
| Efficiency ratio | 66.3145% | 4,502 |
| Assets per employee ($millions) | 5.6759% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,489 |
| Loan loss allowance to noncurrent loans | 165.9645% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 4,635 |
| Noncurrent loans to loans | 0.7231% | 5,214 |
| Net loans and leases to total assets | 72.3747% | 1,333 |
| Net loans and leases to deposits | 84.1932% | 1,639 |
| Net loans and leases to core deposits | 94.3989% | 1,433 |
| Total domestic deposits to total assets | 85.9628% | 3,550 |
| Equity capital to assets | 9.8717% | 4,292 |
| Core capital (leverage) ratio | 9.8354% | 3,588 |
| Tier 1 risk-based capital ratio | 12.0194% | 5,950 |
| Total risk-based capital ratio | 13.1384% | 6,023 |
| Memoranda: | ||
| Average total assets | $2,272,889,500 | 312 |
| Average earning assets | $2,069,122,500 | 302 |
| Average equity | $225,571,000 | 327 |
| Average total loans | $1,684,538,500 | 273 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 2,790 |
| Cost of funding earning assets | 1.6685% | 366 |
| Net interest margin | 3.3530% | 5,639 |
| Noninterest income to average assets | 0.2462% | 5,772 |
| Noninterest expense to average assets | 2.0028% | 6,669 |
| Loan and lease loss provision to assets | 0.4628% | 2,294 |
| Net operating income to assets | 1.1206% | 1,753 |
| Return on assets (ROA) | 1.1308% | 1,842 |
| Pretax return on assets | 0.8398% | 3,822 |
| Return on Equity (ROE) | 11.0364% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.0364% | 397 |
| Net charge-offs to loans | 0.1831% | 4,683 |
| Credit loss provision to net charge-offs | 334.0284% | 699 |
| Earnings coverage of net charge-offs (x) | 9.3274% | 2,001 |
| Efficiency ratio | 60.7789% | 5,635 |
| Assets per employee ($millions) | 5.5194% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,868 |
| Loan loss allowance to noncurrent loans | 200.9759% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,106 |
| Noncurrent loans to loans | 0.5404% | 5,634 |
| Net loans and leases to total assets | 74.1978% | 1,238 |
| Net loans and leases to deposits | 86.6864% | 1,579 |
| Net loans and leases to core deposits | 96.0770% | 1,487 |
| Total domestic deposits to total assets | 85.5934% | 3,540 |
| Equity capital to assets | 9.9794% | 4,193 |
| Core capital (leverage) ratio | 10.4852% | 2,747 |
| Tier 1 risk-based capital ratio | 11.7547% | 5,990 |
| Total risk-based capital ratio | 12.7562% | 6,143 |
| Memoranda: | ||
| Average total assets | $1,730,648,600 | 388 |
| Average earning assets | $1,573,762,200 | 379 |
| Average equity | $177,322,200 | 397 |
| Average total loans | $1,309,740,000 | 333 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 2,633 |
| Cost of funding earning assets | 1.7237% | 360 |
| Net interest margin | 3.3701% | 5,661 |
| Noninterest income to average assets | 0.1935% | 6,206 |
| Noninterest expense to average assets | 2.1355% | 6,441 |
| Loan and lease loss provision to assets | 0.3857% | 2,544 |
| Net operating income to assets | 1.1524% | 1,804 |
| Return on assets (ROA) | 1.1835% | 1,820 |
| Pretax return on assets | 0.7737% | 4,222 |
| Return on Equity (ROE) | 11.4474% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.4474% | 562 |
| Net charge-offs to loans | 0.2174% | 4,078 |
| Credit loss provision to net charge-offs | 233.7858% | 1,215 |
| Earnings coverage of net charge-offs (x) | 6.8386% | 2,474 |
| Efficiency ratio | 65.4280% | 4,819 |
| Assets per employee ($millions) | 7.1633% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,690 |
| Loan loss allowance to noncurrent loans | 235.8364% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 5,683 |
| Noncurrent loans to loans | 0.4869% | 5,875 |
| Net loans and leases to total assets | 73.5078% | 1,410 |
| Net loans and leases to deposits | 89.6479% | 1,254 |
| Net loans and leases to core deposits | 102.9334% | 1,043 |
| Total domestic deposits to total assets | 81.9961% | 5,091 |
| Equity capital to assets | 12.1709% | 2,127 |
| Core capital (leverage) ratio | 12.3796% | 1,495 |
| Tier 1 risk-based capital ratio | 14.9653% | 3,678 |
| Total risk-based capital ratio | 16.0450% | 3,756 |
| Memoranda: | ||
| Average total assets | $1,607,227,250 | 411 |
| Average earning assets | $1,464,257,750 | 405 |
| Average equity | $166,159,000 | 436 |
| Average total loans | $1,220,042,500 | 353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 2,616 |
| Cost of funding earning assets | 1.7368% | 409 |
| Net interest margin | 3.3772% | 5,618 |
| Noninterest income to average assets | 0.2619% | 5,772 |
| Noninterest expense to average assets | 2.0949% | 6,605 |
| Loan and lease loss provision to assets | 0.3095% | 2,937 |
| Net operating income to assets | 1.2136% | 1,530 |
| Return on assets (ROA) | 1.1560% | 1,779 |
| Pretax return on assets | 0.8883% | 3,663 |
| Return on Equity (ROE) | 11.9941% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.9941% | 520 |
| Net charge-offs to loans | 0.2208% | 3,804 |
| Credit loss provision to net charge-offs | 183.2061% | 1,649 |
| Earnings coverage of net charge-offs (x) | 7.4305% | 2,222 |
| Efficiency ratio | 62.5298% | 5,495 |
| Assets per employee ($millions) | 6.9446% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 6,027 |
| Loan loss allowance to noncurrent loans | 230.0068% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 5,709 |
| Noncurrent loans to loans | 0.4704% | 5,962 |
| Net loans and leases to total assets | 75.2218% | 1,198 |
| Net loans and leases to deposits | 89.7184% | 1,308 |
| Net loans and leases to core deposits | 103.7151% | 1,057 |
| Total domestic deposits to total assets | 83.8422% | 4,418 |
| Equity capital to assets | 10.5711% | 3,417 |
| Core capital (leverage) ratio | 10.8804% | 2,353 |
| Tier 1 risk-based capital ratio | 13.0601% | 4,870 |
| Total risk-based capital ratio | 14.1002% | 5,018 |
| Memoranda: | ||
| Average total assets | $1,550,800,670 | 435 |
| Average earning assets | $1,418,165,670 | 428 |
| Average equity | $149,473,000 | 475 |
| Average total loans | $1,186,376,670 | 365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 2,446 |
| Cost of funding earning assets | 1.8065% | 369 |
| Net interest margin | 3.3414% | 5,638 |
| Noninterest income to average assets | 0.2422% | 5,963 |
| Noninterest expense to average assets | 1.9955% | 6,833 |
| Loan and lease loss provision to assets | 0.3200% | 2,631 |
| Net operating income to assets | 1.2516% | 1,383 |
| Return on assets (ROA) | 1.1327% | 1,775 |
| Pretax return on assets | 0.8593% | 3,666 |
| Return on Equity (ROE) | 12.4137% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.4137% | 678 |
| Net charge-offs to loans | 0.1984% | 3,313 |
| Credit loss provision to net charge-offs | 210.1576% | 1,423 |
| Earnings coverage of net charge-offs (x) | 8.5254% | 1,817 |
| Efficiency ratio | 60.5830% | 5,894 |
| Assets per employee ($millions) | 6.9002% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 6,018 |
| Loan loss allowance to noncurrent loans | 255.1671% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 5,721 |
| Noncurrent loans to loans | 0.4340% | 6,136 |
| Net loans and leases to total assets | 76.2409% | 1,002 |
| Net loans and leases to deposits | 86.7884% | 1,607 |
| Net loans and leases to core deposits | 99.9860% | 1,336 |
| Total domestic deposits to total assets | 87.8468% | 2,463 |
| Equity capital to assets | 9.2262% | 4,839 |
| Core capital (leverage) ratio | 9.3894% | 3,979 |
| Tier 1 risk-based capital ratio | 11.0652% | 6,463 |
| Total risk-based capital ratio | 12.1046% | 6,584 |
| Memoranda: | ||
| Average total assets | $1,499,790,000 | 454 |
| Average earning assets | $1,369,712,000 | 453 |
| Average equity | $136,849,000 | 510 |
| Average total loans | $1,151,124,500 | 383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 3,357 |
| Cost of funding earning assets | 2.1048% | 420 |
| Net interest margin | 3.1464% | 6,397 |
| Noninterest income to average assets | 0.2760% | 5,807 |
| Noninterest expense to average assets | 2.1026% | 6,838 |
| Loan and lease loss provision to assets | 0.4386% | 3,489 |
| Net operating income to assets | 0.7065% | 3,205 |
| Return on assets (ROA) | 0.8308% | 2,810 |
| Pretax return on assets | 0.7519% | 3,791 |
| Return on Equity (ROE) | 9.6761% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.6761% | 577 |
| Net charge-offs to loans | 0.0934% | 5,910 |
| Credit loss provision to net charge-offs | 609.2818% | 353 |
| Earnings coverage of net charge-offs (x) | 14.8110% | 1,315 |
| Efficiency ratio | 66.3512% | 4,902 |
| Assets per employee ($millions) | 6.8584% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,874 |
| Loan loss allowance to noncurrent loans | 325.1365% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 5,900 |
| Noncurrent loans to loans | 0.3447% | 6,369 |
| Net loans and leases to total assets | 75.5357% | 1,365 |
| Net loans and leases to deposits | 85.2080% | 2,238 |
| Net loans and leases to core deposits | 98.3006% | 1,764 |
| Total domestic deposits to total assets | 88.6486% | 1,858 |
| Equity capital to assets | 9.0175% | 5,117 |
| Core capital (leverage) ratio | 9.0959% | 4,366 |
| Tier 1 risk-based capital ratio | 10.2372% | 6,854 |
| Total risk-based capital ratio | 11.2263% | 6,976 |
| Memoranda: | ||
| Average total assets | $1,257,042,000 | 536 |
| Average earning assets | $1,155,755,200 | 526 |
| Average equity | $107,925,200 | 626 |
| Average total loans | $968,873,800 | 459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 4,363 |
| Cost of funding earning assets | 2.1971% | 386 |
| Net interest margin | 2.8958% | 7,011 |
| Noninterest income to average assets | 0.1834% | 6,569 |
| Noninterest expense to average assets | 1.7983% | 7,328 |
| Loan and lease loss provision to assets | 0.4608% | 3,169 |
| Net operating income to assets | 0.6328% | 3,739 |
| Return on assets (ROA) | 0.8657% | 2,891 |
| Pretax return on assets | 0.8312% | 3,796 |
| Return on Equity (ROE) | 10.2560% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.2560% | 739 |
| Net charge-offs to loans | 0.1139% | 5,399 |
| Credit loss provision to net charge-offs | 521.3423% | 558 |
| Earnings coverage of net charge-offs (x) | 11.9825% | 1,735 |
| Efficiency ratio | 62.9339% | 5,444 |
| Assets per employee ($millions) | 7.5329% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,514 |
| Loan loss allowance to noncurrent loans | 270.7338% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 6,412 |
| Noncurrent loans to loans | 0.3586% | 6,478 |
| Net loans and leases to total assets | 74.0599% | 1,789 |
| Net loans and leases to deposits | 83.0834% | 2,891 |
| Net loans and leases to core deposits | 95.9219% | 2,269 |
| Total domestic deposits to total assets | 89.1392% | 1,318 |
| Equity capital to assets | 9.4306% | 4,944 |
| Core capital (leverage) ratio | 9.6351% | 3,701 |
| Tier 1 risk-based capital ratio | 11.2789% | 6,118 |
| Total risk-based capital ratio | 12.1746% | 6,422 |
| Memoranda: | ||
| Average total assets | $1,123,800,000 | 584 |
| Average earning assets | $1,037,706,250 | 574 |
| Average equity | $94,862,250 | 707 |
| Average total loans | $872,132,250 | 512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 4,574 |
| Cost of funding earning assets | 2.2705% | 371 |
| Net interest margin | 2.8069% | 7,133 |
| Noninterest income to average assets | 0.1937% | 6,514 |
| Noninterest expense to average assets | 1.8019% | 7,385 |
| Loan and lease loss provision to assets | 0.3439% | 3,665 |
| Net operating income to assets | 0.6418% | 3,666 |
| Return on assets (ROA) | 0.7977% | 3,129 |
| Pretax return on assets | 0.8244% | 3,800 |
| Return on Equity (ROE) | 9.9214% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.9214% | 864 |
| Net charge-offs to loans | 0.0141% | 6,145 |
| Credit loss provision to net charge-offs | 3,108.4746% | 132 |
| Earnings coverage of net charge-offs (x) | 91.0678% | 361 |
| Efficiency ratio | 64.1370% | 5,311 |
| Assets per employee ($millions) | 6.7755% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 6,778 |
| Loan loss allowance to noncurrent loans | 154.1291% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 6,095 |
| Noncurrent loans to loans | 0.5800% | 6,090 |
| Net loans and leases to total assets | 77.8773% | 1,135 |
| Net loans and leases to deposits | 85.3722% | 2,617 |
| Net loans and leases to core deposits | 100.6415% | 1,952 |
| Total domestic deposits to total assets | 91.2209% | 405 |
| Equity capital to assets | 7.7605% | 6,956 |
| Core capital (leverage) ratio | 7.6153% | 6,715 |
| Tier 1 risk-based capital ratio | 9.2294% | 7,363 |
| Total risk-based capital ratio | 10.1056% | 7,453 |
| Memoranda: | ||
| Average total assets | $1,066,516,000 | 621 |
| Average earning assets | $993,896,330 | 600 |
| Average equity | $85,753,670 | 764 |
| Average total loans | $839,854,330 | 526 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 4,471 |
| Cost of funding earning assets | 2.3433% | 370 |
| Net interest margin | 2.7690% | 7,226 |
| Noninterest income to average assets | 0.1281% | 7,041 |
| Noninterest expense to average assets | 1.8617% | 7,394 |
| Loan and lease loss provision to assets | 0.2874% | 3,728 |
| Net operating income to assets | 0.6055% | 3,872 |
| Return on assets (ROA) | 0.7064% | 3,520 |
| Pretax return on assets | 0.6612% | 4,372 |
| Return on Equity (ROE) | 8.6177% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.6177% | 1,502 |
| Net charge-offs to loans | 0.0049% | 5,546 |
| Credit loss provision to net charge-offs | 7,380.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 217.7000% | 155 |
| Efficiency ratio | 68.7123% | 4,571 |
| Assets per employee ($millions) | 6.9292% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 7,010 |
| Loan loss allowance to noncurrent loans | 144.7456% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 6,239 |
| Noncurrent loans to loans | 0.5833% | 6,140 |
| Net loans and leases to total assets | 77.5151% | 1,242 |
| Net loans and leases to deposits | 85.2797% | 2,716 |
| Net loans and leases to core deposits | 103.6589% | 1,774 |
| Total domestic deposits to total assets | 90.8951% | 586 |
| Equity capital to assets | 8.0548% | 6,597 |
| Core capital (leverage) ratio | 7.9700% | 6,278 |
| Tier 1 risk-based capital ratio | 9.5536% | 7,275 |
| Total risk-based capital ratio | 10.3696% | 7,462 |
| Memoranda: | ||
| Average total assets | $1,027,243,500 | 660 |
| Average earning assets | $957,612,500 | 638 |
| Average equity | $84,199,000 | 786 |
| Average total loans | $809,888,000 | 563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 6,148 |
| Cost of funding earning assets | 2.6650% | 640 |
| Net interest margin | 2.4197% | 7,493 |
| Noninterest income to average assets | 0.1464% | 7,007 |
| Noninterest expense to average assets | 1.6891% | 7,709 |
| Loan and lease loss provision to assets | 0.2917% | 5,093 |
| Net operating income to assets | 0.5631% | 3,472 |
| Return on assets (ROA) | 0.6234% | 3,301 |
| Pretax return on assets | 0.4824% | 4,243 |
| Return on Equity (ROE) | 7.2633% | 2,685 |
| Retained earnings to average equity (ytd only) | 7.2633% | 887 |
| Net charge-offs to loans | 0.0051% | 7,175 |
| Credit loss provision to net charge-offs | 7,250.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 177.3824% | 157 |
| Efficiency ratio | 70.2965% | 4,563 |
| Assets per employee ($millions) | 7.1023% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 7,149 |
| Loan loss allowance to noncurrent loans | 125.2798% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 6,020 |
| Noncurrent loans to loans | 0.6326% | 5,970 |
| Net loans and leases to total assets | 78.9203% | 1,201 |
| Net loans and leases to deposits | 87.2964% | 2,682 |
| Net loans and leases to core deposits | 138.8379% | 848 |
| Total domestic deposits to total assets | 90.4050% | 776 |
| Equity capital to assets | 8.3478% | 6,127 |
| Core capital (leverage) ratio | 7.8878% | 6,336 |
| Tier 1 risk-based capital ratio | 9.6308% | 7,134 |
| Total risk-based capital ratio | 10.3911% | 7,419 |
| Memoranda: | ||
| Average total assets | $845,015,400 | 800 |
| Average earning assets | $788,004,600 | 776 |
| Average equity | $72,529,400 | 899 |
| Average total loans | $660,903,000 | 708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 6,650 |
| Cost of funding earning assets | 2.6629% | 879 |
| Net interest margin | 2.3203% | 7,626 |
| Noninterest income to average assets | 0.1540% | 7,086 |
| Noninterest expense to average assets | 1.6735% | 7,781 |
| Loan and lease loss provision to assets | 0.2772% | 4,759 |
| Net operating income to assets | 0.5119% | 3,930 |
| Return on assets (ROA) | 0.5963% | 3,673 |
| Pretax return on assets | 0.4520% | 4,659 |
| Return on Equity (ROE) | 6.8886% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.8886% | 1,551 |
| Net charge-offs to loans | 0.0072% | 6,862 |
| Credit loss provision to net charge-offs | 4,938.2353% | 81 |
| Earnings coverage of net charge-offs (x) | 114.8879% | 321 |
| Efficiency ratio | 72.1874% | 4,214 |
| Assets per employee ($millions) | 6.9320% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 7,225 |
| Loan loss allowance to noncurrent loans | 104.9981% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 6,134 |
| Noncurrent loans to loans | 0.7256% | 5,857 |
| Net loans and leases to total assets | 72.5583% | 2,901 |
| Net loans and leases to deposits | 80.6401% | 4,266 |
| Net loans and leases to core deposits | 129.7588% | 1,449 |
| Total domestic deposits to total assets | 89.9780% | 772 |
| Equity capital to assets | 8.2043% | 6,635 |
| Core capital (leverage) ratio | 8.0689% | 6,239 |
| Tier 1 risk-based capital ratio | 10.0379% | 6,941 |
| Total risk-based capital ratio | 10.7548% | 7,332 |
| Memoranda: | ||
| Average total assets | $807,688,500 | 858 |
| Average earning assets | $753,395,750 | 835 |
| Average equity | $69,910,750 | 947 |
| Average total loans | $628,380,750 | 760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 6,648 |
| Cost of funding earning assets | 2.5449% | 1,465 |
| Net interest margin | 2.4957% | 7,486 |
| Noninterest income to average assets | 0.1325% | 7,297 |
| Noninterest expense to average assets | 1.7890% | 7,756 |
| Loan and lease loss provision to assets | 0.2871% | 4,282 |
| Net operating income to assets | 0.5395% | 3,938 |
| Return on assets (ROA) | 0.5793% | 3,878 |
| Pretax return on assets | 0.4148% | 4,892 |
| Return on Equity (ROE) | 6.5435% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.5435% | 1,775 |
| Net charge-offs to loans | 0.0114% | 6,402 |
| Credit loss provision to net charge-offs | 3,161.7647% | 156 |
| Earnings coverage of net charge-offs (x) | 72.9118% | 519 |
| Efficiency ratio | 72.9868% | 4,201 |
| Assets per employee ($millions) | 6.8345% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 7,322 |
| Loan loss allowance to noncurrent loans | 97.1332% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 6,028 |
| Noncurrent loans to loans | 0.7648% | 5,709 |
| Net loans and leases to total assets | 72.2592% | 3,146 |
| Net loans and leases to deposits | 80.9574% | 4,399 |
| Net loans and leases to core deposits | 127.6958% | 1,732 |
| Total domestic deposits to total assets | 89.2558% | 1,141 |
| Equity capital to assets | 8.2630% | 6,394 |
| Core capital (leverage) ratio | 9.2496% | 4,238 |
| Tier 1 risk-based capital ratio | 10.0429% | 6,875 |
| Total risk-based capital ratio | 10.7316% | 7,360 |
| Memoranda: | ||
| Average total assets | $748,802,670 | 938 |
| Average earning assets | $695,670,000 | 922 |
| Average equity | $66,294,670 | 1,014 |
| Average total loans | $597,938,330 | 828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 5,791 |
| Cost of funding earning assets | 2.6077% | 1,543 |
| Net interest margin | 2.7165% | 7,168 |
| Noninterest income to average assets | 0.1410% | 7,292 |
| Noninterest expense to average assets | 1.6521% | 7,867 |
| Loan and lease loss provision to assets | 0.2976% | 3,567 |
| Net operating income to assets | 0.7927% | 3,158 |
| Return on assets (ROA) | 0.7927% | 3,322 |
| Pretax return on assets | 0.6880% | 4,473 |
| Return on Equity (ROE) | 8.5701% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.5701% | 1,613 |
| Net charge-offs to loans | 0.0246% | 5,200 |
| Credit loss provision to net charge-offs | 1,428.5714% | 444 |
| Earnings coverage of net charge-offs (x) | 47.3143% | 760 |
| Efficiency ratio | 62.6354% | 5,944 |
| Assets per employee ($millions) | 6.0105% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 7,372 |
| Loan loss allowance to noncurrent loans | 117.6921% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 5,914 |
| Noncurrent loans to loans | 0.6160% | 5,858 |
| Net loans and leases to total assets | 83.8090% | 716 |
| Net loans and leases to deposits | 96.7416% | 1,831 |
| Net loans and leases to core deposits | 163.5227% | 442 |
| Total domestic deposits to total assets | 86.6319% | 2,393 |
| Equity capital to assets | 9.0736% | 5,264 |
| Core capital (leverage) ratio | 9.0168% | 4,681 |
| Tier 1 risk-based capital ratio | 9.6406% | 7,297 |
| Total risk-based capital ratio | 10.3299% | 7,762 |
| Memoranda: | ||
| Average total assets | $672,126,000 | 1,048 |
| Average earning assets | $617,701,000 | 1,041 |
| Average equity | $62,169,500 | 1,099 |
| Average total loans | $568,522,500 | 875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0749% | 5,173 |
| Cost of funding earning assets | 3.3692% | 764 |
| Net interest margin | 2.7056% | 7,492 |
| Noninterest income to average assets | 0.1671% | 7,225 |
| Noninterest expense to average assets | 1.7805% | 7,774 |
| Loan and lease loss provision to assets | 0.2930% | 4,042 |
| Net operating income to assets | 0.5294% | 4,621 |
| Return on assets (ROA) | 0.5542% | 4,359 |
| Pretax return on assets | 0.6476% | 4,555 |
| Return on Equity (ROE) | 4.9888% | 4,396 |
| Retained earnings to average equity (ytd only) | -1.6629% | 5,782 |
| Net charge-offs to loans | 0.0102% | 6,788 |
| Credit loss provision to net charge-offs | 3,579.5455% | 140 |
| Earnings coverage of net charge-offs (x) | 111.3864% | 394 |
| Efficiency ratio | 66.1323% | 5,103 |
| Assets per employee ($millions) | 5.6728% | 1,338 |
| Cash dividends to net income (ytd only)* | 133.3333% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 7,405 |
| Loan loss allowance to noncurrent loans | 135.7623% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 5,891 |
| Noncurrent loans to loans | 0.5203% | 5,794 |
| Net loans and leases to total assets | 84.1676% | 862 |
| Net loans and leases to deposits | 99.6607% | 1,872 |
| Net loans and leases to core deposits | 140.2248% | 1,253 |
| Total domestic deposits to total assets | 84.4541% | 3,101 |
| Equity capital to assets | 9.4428% | 4,761 |
| Core capital (leverage) ratio | 9.1988% | 4,444 |
| Tier 1 risk-based capital ratio | 9.6789% | 7,112 |
| Total risk-based capital ratio | 10.3305% | 7,698 |
| Memoranda: | ||
| Average total assets | $537,490,400 | 1,264 |
| Average earning assets | $501,656,200 | 1,229 |
| Average equity | $59,713,600 | 1,130 |
| Average total loans | $431,210,000 | 1,113 |